The condition is that the borrower has a good credit record between the age of 22 and the legal retirement age and has the corresponding repayment ability and financial strength. Service targets include medical, health, disease control and other related staff, police, active servicemen, judicial, procuratorial and other state organs, as well as staff of transportation, communication security, water, electricity, gas and other energy supply units. Applicants can apply online with a valid work certificate or unit credit certificate, which will arrive on the same day after approval.