On 1 september, the policy of financial discounts for personal consumption loans was officially introduced, and the policy of discounts is available to residents for the consumption of loans in specified areas and areas。
A commercial bank in the eastern ring of beijing can see that consumers are coming to consult on the consumer loan discount policy, which several consumers say has put on the agenda unplanned consumption by themselves and their families。
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The rate of discount on this consumer loan is 1 percentage point, approximately one third of the current level of the commercial bank's personal consumer loan rate. The interest rate is for personal consumption loans. The actual consumption component of this section includes daily consumption of less than $50,000 and consumption in priority areas such as single cars, old-age births, education and training, cultural tourism, household clothing, electronics and health care, with a ceiling of $50,000 and more calculated as interest rates. A borrower is entitled to a maximum interest rate of $3,000 in the same lending institution. That is to say, during the policy implementation period, consumers applied for a $50,000 consumer loan at an annual rate of 3 per cent, which they spent on consumption through renovations, purchase of household electricity, etc., and received an annualized rate of 1 percentage point, with an interest rate of 1,500 a year, for which the consumer would have to pay 1,000 dollars, while the other 500 would have been covered by the fiscal discount。
How, then, can consumers get this "remote package"
First, consumers must obtain consumer loans from banks in six major countries, including workers, farmers, china, construction, delivery, postal reserves, 12 national joint-stock commercial banks and five individual consumer lending institutions。
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Second, after applying for a consumer loan, there is a supplementary interest-rate agreement authorizing banks to search for information on consumer transactions, which is supplemented by consumers who had previously received a consumer loan。
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