1. Staff of state administrative organs at all levels in major towns of China except ground staff;

2. Not retired due to credit and the actual age is no more than 55 years old (male is no more than 60 years old);

3. Have the ability to repay the loan principal and interest on schedule;

4. Having a fixed residence, permanent residence or valid residence certificate at the place where the lender is located;

5. Personal credit status is good;

6. Other conditions stipulated by the Cooperation Organization.