Second gear. The interest rates of "mixed loan" provident fund loans and commercial loans in Changchun are implemented according to the interest rates stipulated by the People's Bank of China, with an annual interest rate of 2.75% for one to five years and 3.25% for more than five years. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises and institutions and private non-enterprise units.