消费贷“国补”，来了！

Core Viewpoint - The implementation plan for the personal consumption loan interest subsidy policy aims to support real consumer spending by providing a 1% annual interest subsidy on personal consumption loans issued by designated financial institutions from September 1, 2025, to August 31, 2026 [1]. Group 1: Policy Details - The subsidy applies to personal consumption loans used for various expenditures, including small purchases like dining and large expenses such as home renovations and vehicle purchases, as long as the loans are issued by recognized institutions [1]. - Consumers can benefit from a 1% annual interest subsidy, reducing their interest payments significantly; for example, a loan of 50,000 yuan at a 3% interest rate would result in a 1,500 yuan interest payment, which would be reduced to 1,000 yuan due to the subsidy [4]. Group 2: Implementation and Eligibility - Only loans from 18 designated banks and 5 consumer finance companies qualify for the subsidy, and borrowers must sign a supplementary agreement allowing banks to access their consumption transaction information [7]. - If borrowers believe they qualify for the subsidy but do not see it reflected in their accounts, they can provide supporting documents to the bank for a reassessment [9]. - Accepted proof of consumption includes invoices, and banks allow online submissions for claims through mobile banking [11]. Group 3: Future Considerations - The Ministry of Finance plans to evaluate the policy's effectiveness by the end of August next year and may consider extending the policy or expanding its scope based on the assessment [6].