消费贷“国补”，要来了！

Core Viewpoint - The new personal consumption loan subsidy policy will be implemented from September 1, 2025, to August 31, 2026, allowing consumers to enjoy a 1% annual subsidy on eligible loans used for consumption purposes [1][9]. Summary by Sections Policy Implementation - The subsidy applies to personal consumption loans issued by designated financial institutions, excluding credit card transactions, and is aimed at promoting consumer spending [1][9]. - Consumers can benefit from the subsidy if they use the loan for various expenditures, including daily expenses, large purchases like cars and home renovations, and services such as travel and retirement [1]. Eligibility Criteria - To qualify for the subsidy, consumers must obtain loans from specified banks and financial institutions, including 18 major banks and 5 other lending institutions [4][6]. - Consumers must also sign a supplementary agreement allowing banks to access their transaction information to verify the use of the loan for eligible consumption [5][6]. Application Process - Banks will automatically identify eligible transactions and apply for the subsidy on behalf of the consumers [6]. - If a consumer's transaction cannot be automatically recognized, they can submit receipts or invoices to the bank for manual verification and subsidy application [9]. Financial Impact - The subsidy is expected to lower the cost of consumer loans, thereby stimulating consumer spending and economic activity [9]. - Consumers are advised to manage their debt responsibly and avoid using loan funds for non-consumption purposes, such as investments [9].