个人消费贷款可享受“国补” 怎么领？一文了解

Core Viewpoint - The new policy allows individuals to enjoy interest subsidies on personal consumption loans from September 1 this year to August 31 next year, marking the first time the central government has provided such subsidies for personal consumption loans [1][12]. Group 1: Policy Details - The interest subsidy means that if a consumer has a loan with an interest rate of 3%, it will be reduced to 2%, with the remaining 1% covered by the government [3]. - Personal consumption loans under 50,000 yuan can enjoy the subsidy, while loans of 50,000 yuan and above are limited to specific categories such as household vehicles, home decoration, and certain services like education and healthcare [5]. - The maximum subsidy amount for multiple loans from the same institution is capped at 3,000 yuan, but consumers can aggregate subsidies from different institutions [5][7]. Group 2: Economic Impact - The policy is expected to significantly stimulate consumer spending, with a 1% subsidy potentially mobilizing 100 yuan in loan funds for consumer use [7]. - The People's Bank of China has been encouraging financial institutions to increase credit supply in the consumption sector, with a reported loan balance of 2.8 trillion yuan in key service consumption areas as of June [10][11]. - The collaboration between fiscal and financial policies aims to enhance consumer willingness to spend while improving the service supply capacity of enterprises, creating a synergistic effect [11].