关于消费贷款贴息 老百姓能懂的攻略来了

Group 1 - The core viewpoint of the article is the implementation of a personal consumption loan interest subsidy policy by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration, aimed at reducing the interest burden on consumers from September 1, 2025, to August 31, 2026 [1] - The policy allows consumers to receive interest subsidies on personal consumption loans for various expenditures, with a maximum subsidy of 500 yuan per loan, and multiple loans can be combined for subsidies [1] - The interest subsidy rate is set at an annualized 1%, with specific limitations such as a maximum subsidy of 3000 yuan per person at one bank and a maximum of 1000 yuan for small loans under 50,000 yuan [2] Group 2 - The application process for the subsidy is streamlined, requiring consumers to apply for loans through banks without needing to go through government departments, and banks will directly apply the subsidy to the interest owed [3] - There are no additional credit requirements for the subsidy itself, but banks will still assess credit history when approving loans, with specific criteria regarding repayment history [4] - Key considerations for consumers include ensuring the necessity of borrowing, proper use of loan funds strictly for consumption, and maintaining a good credit history to qualify for the subsidy [5]