消费贷“国补”落地！手把手教你申请，老客户也有机会

Core Viewpoint - The implementation of the personal consumption loan interest subsidy policy began on September 1, providing a 1% annual subsidy for eligible loans used for consumption purposes [1][4]. Group 1: Policy Implementation - The policy allows consumers to apply for subsidies through designated financial institutions, including major state-owned banks and several joint-stock banks [2][4]. - Consumers must sign a supplementary agreement authorizing banks to verify that the loan is used for actual consumption [3][4]. - The subsidy applies to various consumption categories, including daily expenses under 50,000 yuan and larger purchases like cars and home renovations [4]. Group 2: Application Process - Different banks have varying timelines and methods for implementing the subsidy, with some offering a "one-click subsidy" feature while others are still preparing [5][6]. - Existing customers who took out loans before the policy's implementation may still qualify for the subsidy if they meet the consumption criteria within the subsidy period [6][7]. Group 3: Compliance and Risks - Banks emphasize the importance of compliance, warning against fraudulent practices in loan applications, which could lead to penalties or loss of subsidy [8][9]. - Customers are advised to avoid intermediaries when applying for loans and subsidies, as banks will not engage third parties in this process [9].