消费贷“国补”来了！如何领？（附指南）

Group 1 - The government has introduced a subsidy for consumer loans, effective from September 1, allowing borrowers to enjoy a 1% annual interest subsidy on their loans if they meet certain conditions [1][4]. - Borrowers can apply for consumer loans from 18 designated banks, including six major state-owned banks and twelve national joint-stock commercial banks, as well as five personal consumer loan institutions [5]. - To qualify for the subsidy, borrowers must sign a supplementary agreement authorizing banks to access their consumption transaction information [5]. Group 2 - An example illustrates that if a consumer borrows 50,000 yuan at a 3% annual interest rate and uses the entire amount for eligible expenses, they will only need to pay 1,000 yuan in interest instead of 1,500 yuan due to the subsidy [4]. - Consumers must use the loan directly for consumption; using cash or transferring the loan to personal accounts will disqualify them from receiving the subsidy [7]. - It is advised that consumers manage their debt responsibly and avoid using consumer loans for investment or other non-consumption purposes [10].