3天后截止！错过可能少领钱！厦门人抓紧确认~还有这些政策事关你的钱包和出行…

Group 1: Tax Deductions - The deadline for confirming the 2026 individual income tax special additional deductions is December 31, 2025 [2][3] - Deductions include: - Childcare for children under 3 years: CNY 2,000 per month per child [3] - Education for children: CNY 2,000 per month per child [3] - Elderly care: CNY 3,000 per month for only children, CNY 1,500 per month for non-only children [5] - Housing loan interest: CNY 1,000 per month [5] - Housing rent: CNY 1,500/1,100/800 per month based on city [5] - Continuing education: CNY 400 per month for degree education, CNY 3,600 for vocational qualification [7] - Major medical expenses: Up to CNY 80,000 for out-of-pocket expenses exceeding CNY 15,000 [7] - Personal pension contributions: Up to CNY 12,000 per year [7] Group 2: Housing Fund Loan Rate Adjustment - The personal housing provident fund loan rates will be reduced by 0.25 percentage points starting January 1, 2026 [20][21] - New rates for first-time homebuyers will be 2.1% for loans up to 5 years and 2.6% for loans over 5 years [21] - For second homes, the rates will be 2.525% for loans up to 5 years and 3.075% for loans over 5 years [21] - Example savings on interest for a CNY 1.2 million loan over 30 years will be CNY 57,100.85 for first homes and CNY 59,070.01 for second homes [23] Group 3: Early Childhood Education Registration - The Ministry of Education has issued a new regulation requiring all preschool children in legally operated kindergartens to establish a student record [24][25] - The regulation aims to standardize the management of student records and protect children's educational rights [25] - The management system will ensure that each child has a unique identifier that remains unchanged throughout their educational journey [27]