消费贷“国补”这几点要注意（链接）

Core Points - The new personal consumption loan interest subsidy policy is effective from September 1 this year to August 31 next year, providing a subsidy of 1% on interest rates for loans used for actual consumption, with a maximum subsidy not exceeding 50% of the loan contract interest rate [1] - The total subsidy limit for each borrower at one lending institution is capped at 3,000 yuan, corresponding to a cumulative consumption amount of 300,000 yuan, with a single loan limit of 1,000 yuan for loans below 50,000 yuan [1] - The average personal consumption loan interest rate from commercial banks is around 3%, and the effective interest rate for consumers is expected to drop to about 2% during the policy period [1] Consumption Scope - The subsidy covers two categories of consumption: daily consumption for loans below 50,000 yuan and key areas for loans of 50,000 yuan and above, including household vehicles, education, cultural tourism, home decoration, electronic products, and healthcare [1] Lending Institutions - A total of 23 designated lending institutions are involved, including 6 large commercial banks, 12 joint-stock banks, and 5 other personal consumption loan providers, all of which have a wide regional coverage and are frequently accessed by consumers [1] Application Process - Several banks have indicated that their systems can automatically identify consumer account transaction information and conduct subsidy operations automatically [2] - Consumers can apply for personal consumption loans through various channels, including mobile banking apps, and the subsidy will be automatically deducted from the loan interest on the settlement date [2] - Strict measures are in place to prevent fraudulent activities related to loan applications, and any violations will be recorded in the borrower's credit history [2]