消费贷“国补”今起上线

Core Viewpoint - Starting from September 1, the Chinese government will provide interest subsidies for eligible personal consumption loans, focusing on actual consumption behavior [1] Group 1: Policy Details - The subsidy applies to the portion of personal consumption loans that is actually used for consumption, including daily expenses under 50,000 yuan and significant expenditures such as home purchases, education, and healthcare [1] - For loans exceeding 50,000 yuan, the subsidy will be calculated with a cap of 50,000 yuan per transaction [1] - An individual can receive a maximum subsidy of 3,000 yuan from the same lending institution [1] Group 2: Eligible Institutions - The policy is applicable only to personal consumption loans issued by 18 designated banks, including major state-owned banks, and 5 consumer finance companies [1] - Borrowers must sign a supplementary agreement allowing banks to access their consumption transaction information after applying for the loan [1]