今天开始！消费贷款“国补”来了，怎么申请、能补多少→

Core Points - The new personal consumption loan subsidy policy officially implemented on September 1, 2023, aims to support consumer spending through interest subsidies on loans used for consumption [1][3][12] - The policy is effective from September 1, 2025, to August 31, 2026, and applies to loans issued by designated financial institutions [1][9] Summary by Category Eligible Loans and Consumption Types - The subsidy applies to personal consumption loans used for various types of consumption, including daily expenses under 50,000 yuan and significant expenditures such as home purchases, education, and healthcare [3][5] - Specific categories include daily consumption, automotive purchases, elderly care, education, cultural tourism, home decoration, electronics, and healthcare [3][5] Subsidy Standards - The subsidy rate is set at 1% per annum, with a maximum subsidy of 3,000 yuan per borrower per institution, corresponding to a cumulative consumption amount of 300,000 yuan [6][7] - For loans under 50,000 yuan, the subsidy is calculated based on the actual amount, while for loans above 50,000 yuan, the subsidy is capped at 500 yuan per transaction [8][6] Application Process - Borrowers can apply for the subsidy through mobile banking apps or bank branches, requiring them to sign a service agreement allowing banks to verify consumption transactions [9][10] - Existing loans issued before the policy's implementation may also qualify for the subsidy if they meet the necessary conditions [10] Restrictions and Compliance - Funds withdrawn or transferred to personal accounts do not qualify for the subsidy, and loans in default are also ineligible [11][13] - The policy emphasizes legitimate borrowing and consumption, with strict penalties for fraudulent claims or misuse of funds [13] Economic Impact - The policy is expected to lower financing costs for consumers and enhance their purchasing power, potentially boosting overall consumption [12] - It aims to improve consumer satisfaction by facilitating access to quality goods and services through reduced credit costs [12]