消费贷“国补”详解来了！信用卡业务不享受→

Core Points - The new personal consumption loan subsidy policy, effective from September 1, aims to support consumer spending through interest subsidies on eligible loans [1][2] - The subsidy covers two categories of consumption loans: daily expenses under 50,000 yuan and key consumption areas for loans above 50,000 yuan [1][3] Summary by Category Subsidy Scope - The subsidy applies to personal consumption loans for daily expenses (under 50,000 yuan) and key areas such as home appliances, automotive purchases, education, and healthcare for loans above 50,000 yuan [1][3][4] Subsidy Rate and Limits - The interest subsidy rate is set at 1% per annum, with a maximum subsidy not exceeding 50% of the loan contract interest rate [2] - The maximum cumulative subsidy per borrower is capped at 3,000 yuan, corresponding to a total eligible consumption amount of 300,000 yuan [4] Application Process - Consumers can apply for the subsidy through major banks, including six state-owned banks and twelve national joint-stock commercial banks, provided they meet specific conditions [5] - A supplementary agreement must be signed to authorize banks to verify consumption transaction information [6] Usage Restrictions - Funds from the loans must be used for eligible consumption; cash withdrawals or payments to personal accounts do not qualify for the subsidy [6]