个人消费贷贴息来了：怎么补，补多少？

Core Viewpoint - The Chinese government has introduced a personal consumption loan interest subsidy policy, effective from September 1, 2023, for one year, aimed at stimulating consumer spending by reducing interest costs on loans [1][3]. Summary by Relevant Sections Subsidy Standards - The subsidy applies to consumer loans for purchases under 50,000 yuan and for key areas over 50,000 yuan, including home appliances, automobiles, education, and healthcare [2]. - The interest subsidy rate is set at 1 percentage point, with a maximum limit of 50% of the loan contract interest rate. The total subsidy per individual from a single bank cannot exceed 3,000 yuan, while for loans under 50,000 yuan, it is capped at 1,000 yuan [2]. Participating Financial Institutions - The policy is available through six major state-owned banks and twelve national joint-stock commercial banks, as well as several consumer finance institutions like WeBank and Ant Consumer Finance [3]. Market Context - The initiative is part of broader efforts to boost consumer demand in the recovering Chinese economy, encouraging individuals to engage in real consumption [3].