近日，武汉推出一项创新惠民政策：市民乘坐公交车或地铁可累计积分，用于抵扣部分住房贷款利息。该政策由武汉市住房公积金管理中心联合本地金融机构及公共交通运营单位共同推出，旨在鼓励绿色出行、减轻居民购房压力，并提升公共交通使用率。市民通过绑定个人公积金账户与交通卡或手机支付平台，每次乘坐公交或地铁即可获得相应积分，积分按一定规则折算为金额，直接用于冲抵公积金贷款的月供利息部分。例如，每月乘坐满30次可抵扣10元利息，上不封顶。这一举措不仅将日常通勤与住房金融支持相结合，也体现了城市治理中‘以人为本’和可持续发展的理念。目前该政策处于试点阶段，未来或将根据实施效果在更大范围内推广。
Recently, Wuhan has launched an innovative public welfare policy: residents can earn points by taking buses or the metro, which can be used to offset part of their mortgage interest payments. Initiated jointly by the Wuhan Housing Provident Fund Management Center, local financial institutions, and public transit operators, the program aims to encourage eco-friendly commuting, ease housing affordability pressures, and boost public transportation usage. By linking their housing provident fund accounts with transit cards or mobile payment platforms, citizens earn redeemable points for each ride. These points are converted into monetary value according to a set formula and directly applied to reduce the interest portion of monthly mortgage payments—for instance, 30 rides per month could offset ¥10 in interest, with no upper limit. This initiative uniquely integrates daily commuting with housing financial support, reflecting a people-centered and sustainable approach to urban governance. Currently in a pilot phase, the policy may be expanded citywide depending on its initial outcomes.
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