Not the same. The "new citizen" interest rate is 3.90%-3.70% for one year, 4.00%-3.80% for two years, and 4.10%-3.90% for three years. "New citizens" refer to various groups who have come to live in cities permanently for reasons such as starting a business, finding a job, going to school for their children, or living with their children, and have not obtained local household registration or have obtained local household registration for less than three years, including but not limited to migrant workers, newly employed people, etc. College graduates, etc.