消费贷的国补要来了，手把手教你领消费贷国补

Core Viewpoint - The introduction of a government subsidy for consumer loans starting from September 1, which provides a 1% annual interest subsidy for consumers who take out loans for various expenditures [1] Group 1: Policy Details - The subsidy applies to a wide range of consumer expenditures, including daily small purchases, larger items like cars and home renovations, as well as services such as travel and retirement [1] - Consumers can benefit from the subsidy by taking out loans from specified banks and financial institutions, including 18 major banks and 5 personal loan providers [1] Group 2: Financial Implications - For example, if a consumer borrows 50,000 yuan at a 3% annual interest rate, the interest payment would typically be 1,500 yuan, but with the subsidy, it would only be 1,000 yuan, saving the consumer 500 yuan [1] - To qualify for the subsidy, consumers must sign a supplementary agreement allowing banks to verify their spending, ensuring that the loan is used for the intended purpose [1] Group 3: Consumer Guidance - Consumers are advised that if they withdraw the loan in cash and spend it without proper tracking, they will not be eligible for the interest subsidy [1]