房贷贴息政策实施满一周 多地成功落地首笔业务

9月29日，财政部、中国人民银行、金融监管总局联合印发通知，决定自10月1日起在全国范围内实施居民购房贷款贴息政策1。该政策面向首套房购买者，支持建筑面积不超过120平方米、购房价格不超过150万元的住房1。按照规定，购房者可获得年化1%的财政贴息，贴息期限最长为5年1。

政策实施一周内已在多地开花结果。10月1日，建行天津分行落地首笔贴息贷款业务1；10月3日，工商银行黑龙江分行也实现了首笔业务的成功办理1；10月5日，工商银行海南分行紧随其后1。据工商银行黑龙江分行的典型案例，借款人李女士贷款15万元、期限10年的情况下，在5年贴息期间可累计节省利息约5800元1。这一系列落地进展表明该项惠及刚需购房者的政策正在有序推进。

China's new mortgage interest subsidy program began operations on October 1st following an announcement by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Commission on September 29th 1. The policy targets first-time homebuyers and provides annual financial subsidies to reduce borrowing costs 1.

Within the first week of implementation, major commercial banks including Industrial and Commercial Bank of China and China Construction Bank successfully processed their initial subsidy-eligible loans across multiple regions 1. Construction Bank's Tianjin branch closed its first transaction on October 1st, while ICBC's Heilongjiang branch completed its first application on October 3rd, followed by ICBC's Hainan branch on October 5th 1.

Under the program's framework, borrowers must be acquiring their first residential property with a construction area not exceeding 120 square meters and a purchase price capped at 1.5 million yuan 1. The policy provides one percent annual financial subsidies with a maximum subsidy period of five years 1. In one documented case, a borrower from Heilongjiang who obtained a 150,000-yuan loan with a ten-year term could accumulate approximately 5,800 yuan in interest savings over the five-year subsidy period 1.