今年，这些惠民大礼包沉甸甸！

Group 1 - The People's Bank of China has reduced the personal housing provident fund loan interest rate by 0.25 percentage points, effective from January 1, 2026, for loans issued before May 8, 2025, leading to significant interest savings for homeowners [2] - For a loan of 1.2 million yuan over 30 years, first-time homebuyers can save approximately 57,100 yuan in interest, while second-home buyers can save around 59,070 yuan [2] - The new interest rate system will automatically adjust without requiring additional applications from borrowers [2] Group 2 - The Ministry of Finance has confirmed the continuation of the "national subsidy" program in 2026 to support consumption, including the "old for new" policy, with adjustments to subsidy ranges and standards [3] - The policy will expand from product subsidies to include service consumption, indicating a shift towards supporting new service industries such as VR tourism, online fitness, and home services [3] - The ongoing personal consumption loan interest subsidy policy, initiated in September last year, will continue until August this year, further promoting consumer spending [3] Group 3 - The government aims to enhance urban living conditions through meticulous renovation of old residential areas, introducing more pocket parks and green spaces alongside housing improvements [5] - The central economic work conference emphasizes the importance of domestic demand, with policies focused on improving the quality of goods, services, and housing to enhance the quality of life [5] - The anticipated changes are expected to create new job opportunities across various sectors, driven by the emergence of new services and consumption patterns [4]