消费贷“国补”来了！（附指南）

Core Viewpoint - The new personal consumption loan interest subsidy policy, effective from September 1, 2025, allows consumers to enjoy a 1% annual interest subsidy on loans used for genuine consumption, reducing their interest burden and stimulating consumption potential [1][4][9]. Summary by Relevant Sections Policy Overview - The subsidy applies to various types of consumption, including daily small expenses, large purchases like cars and home renovations, and services such as travel and healthcare, as long as the loans are obtained from designated financial institutions and used for actual consumption [1][4][9]. Eligibility Criteria - Consumers must meet two conditions to qualify for the subsidy: obtaining a consumption loan from one of the 18 specified banks and signing a supplementary agreement allowing the bank to verify the loan usage [2][4][9]. Loan Usage Restrictions - Cash withdrawals or using the loan for personal payments (like using a personal QR code) will disqualify consumers from receiving the subsidy. However, loans used for purchases like furniture can still qualify for the subsidy if the loan was taken out in August and used in September [3][4][6]. Subsidy Calculation - For loans under 50,000 yuan, the subsidy is calculated based on the actual amount borrowed, with a maximum subsidy of 1,000 yuan for multiple loans from the same institution. For loans over 50,000 yuan, the subsidy is capped at 3,000 yuan, calculated based on 50,000 yuan [6][8]. Application Process - Borrowers will not need to take additional steps to receive the subsidy; it will be automatically deducted from their interest payments based on their actual consumption. Notifications regarding the subsidy will be sent via SMS or mobile apps [7][8]. Institutional Announcements - Major banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and others, have announced their commitment to implementing the subsidy policy without charging any service fees and have warned customers to be cautious of potential scams [9][10][11][12][13][14][19][23].