个人消费贷贴息来了，手把手教你如何享受

Core Viewpoint - The article discusses the implementation of a new subsidy policy for personal consumption loans by the central government, aimed at reducing credit costs for consumers and stimulating spending [3]. Group 1: Eligibility Criteria for Subsidy - To qualify for the consumption loan interest subsidy, individuals must meet four conditions: 1. The loan must be taken out between September 1, 2025, and August 31, 2026 [5]. 2. The loan must be processed through one of the 23 approved financial institutions [6]. 3. The loan funds must be used for consumption, specifically in eight designated areas for loans over 50,000 yuan [7]. 4. Borrowers must authorize the lending institution to access their transaction information to verify the use of loan funds [8]. Group 2: Subsidy Details - The average interest rate for personal consumption loans is approximately 3%, with a subsidy rate of 1%, effectively reducing the interest burden by one-third [9]. - The subsidy is calculated based on the portion of the loan actually used for consumption, with specific limits: - For loans over 50,000 yuan, the maximum subsidy is capped at 500 yuan [9]. - For cumulative consumption under 50,000 yuan, the total subsidy limit is 1,000 yuan for 100,000 yuan in eligible spending [10]. - The overall cap for any individual borrower at a single institution is 3,000 yuan, corresponding to 300,000 yuan in eligible consumption [10]. Group 3: Policy Duration and Future Considerations - The subsidy policy is set to last for one year, with potential for extension or expansion based on its effectiveness [10].