个人消费贷款也可享受“国补”，谁能领？怎么领？

Core Viewpoint - The new policy introduced by the Ministry of Finance allows individuals to enjoy interest subsidies on personal consumption loans from September 1 this year to August 31 next year, marking the first time central financial support is provided for personal consumption loans [1][3]. Group 1: Eligibility and Application - Personal consumption loans under 50,000 yuan can enjoy the subsidy, while loans of 50,000 yuan and above are limited to key consumption areas such as home appliances, automotive purchases, and services like education and healthcare [3]. - For loans above 50,000 yuan, only the first 50,000 yuan qualifies for a 1% interest subsidy, with any amount exceeding that not eligible for the subsidy [3]. - Multiple loans can be combined to enjoy the subsidy, but the maximum subsidy from the same lending institution is capped at 3,000 yuan, while loans from different institutions can stack the benefits [3][6]. Group 2: Economic Impact - The 1% interest subsidy is expected to stimulate significant consumer spending, with every 1 yuan in subsidy potentially mobilizing 100 yuan in loan funds for consumer use [6]. - The policy aims to enhance both supply and demand in the economy, addressing the growing needs of consumers while facilitating a smoother economic cycle in the domestic market [8]. Group 3: Financial Landscape - As of June, the loan balance in key service consumption areas reached 2.8 trillion yuan, reflecting the People's Bank of China's efforts to encourage financial institutions to increase credit supply in the consumption sector [9]. - The introduction of the personal consumption loan subsidy policy is part of a broader strategy to align fiscal and financial policies, enhancing consumer willingness to spend while improving service supply capabilities for businesses [9].