消费贷“国补”，来了！（附指南）

Group 1 - The core point of the article is the introduction of a fiscal subsidy policy for consumer loans, effective from September 1 this year, which offers a 1% annual interest subsidy for various consumer expenditures [1][3] - The subsidy applies to both small daily expenses and larger purchases such as cars and home renovations, as long as the consumer has obtained a loan from a relevant institution and has used it for genuine consumption [1][3] - Consumers must be cautious as the subsidy will not apply if the loan is withdrawn as cash for spending, and the funds must be used directly for purchases to qualify for the subsidy [3] Group 2 - The policy aims to reduce the cost of consumer credit and stimulate consumption potential, but consumers are advised to manage their personal debt levels responsibly and avoid misusing loan funds for investments [3]