注意！一批新规，今起施行！每一条都能帮你省钱

Group 1 - The National Development and Reform Commission and the Ministry of Finance announced a policy for large-scale equipment updates and consumer goods replacement in 2026, focusing on various sectors including public welfare, safety, and consumer infrastructure [1] - The policy includes subsidies for the replacement of old vehicles and household appliances, specifically targeting six categories such as refrigerators, washing machines, televisions, air conditioners, computers, and water heaters [1] - The scope of the new digital product subsidy has been expanded to include smartphones, tablets, smartwatches, smart glasses, and smart home products, including those designed for elderly care [1] Group 2 - The Ministry of Finance and the State Taxation Administration issued a notice regarding the value-added tax policy for personal housing sales, effective January 1, 2026, imposing a 3% tax on properties sold within two years of purchase and exempting those sold after two years [3] - For housing provident fund loans issued before May 8, 2025, the interest rate will be reduced by 0.25 percentage points starting January 1, 2026, with new rates set for first and second home loans [5] - A joint notice from the National Development and Reform Commission, the Ministry of Education, and the Ministry of Finance outlines the kindergarten fee policy effective January 1, 2026, establishing government-guided pricing for non-profit kindergartens and market-regulated pricing for for-profit institutions [6] Group 3 - The Ministry of Finance, the State Taxation Administration, and the Ministry of Industry and Information Technology announced a continuation and optimization of the tax exemption policy for new energy vehicles, reducing the vehicle purchase tax by half for purchases made between January 1, 2026, and December 31, 2027, with a maximum tax reduction of 15,000 yuan per vehicle [8] - The policy specifies that new energy vehicles must meet certain technical requirements to qualify for tax exemptions, including a minimum electric driving range for plug-in hybrid vehicles [8]