消费贷“国补”来了！如何申请、能补多少？

Group 1 - The core viewpoint of the article is the implementation of a personal consumption loan interest subsidy policy starting from September 1, which aims to stimulate consumer spending [1][2]. - The subsidy covers two categories of consumption: daily expenses under 50,000 yuan and significant expenditures such as home appliances, vehicles, and education over 50,000 yuan [3][4]. - Credit card transactions are excluded from this subsidy program [3]. Group 2 - The interest subsidy rate is set at 1% per annum, with a maximum subsidy cap of 3,000 yuan for eligible consumers, corresponding to a total consumption amount of 300,000 yuan [4][6]. - For daily expenses under 50,000 yuan, the subsidy is calculated based on the actual amount borrowed, with a maximum of 1,000 yuan for multiple loans from the same institution [6]. - For significant expenditures over 50,000 yuan, the subsidy is capped at 500 yuan per loan, with a total limit of 3,000 yuan for combined loans [4][6]. Group 3 - Consumers can apply for the subsidy through 18 major banks and 5 other lending institutions, provided they meet specific conditions [8][9]. - A supplementary agreement must be signed to authorize banks to verify the usage of the loan funds [9]. - If the loan is withdrawn as cash for consumption, the consumer will not be eligible for the subsidy, as banks cannot track the fund's usage [11][12].