Differentiated credit refers to the policy of different treatment of credit lines and loan repayment methods in different regions, different industries, different groups, and different uses. This is an important means for the country to conduct macroeconomic regulation and control, and to prevent polarization Trends, promote social equity, promote economic structural adjustment and comprehensive sustainable development. According to the above definition, which of the following is the differentiated credit among the following options? ['At the beginning of 2008, the central bank relaxed the credit scale of commercial banks. National commercial banks increased by 5% based on the original credit scale, and local commercial banks increased by 10% based on the original credit scale. A total of about 200 billion yuan of new loans were added.', 'A commercial bank stipulates that: if the loan is repaid less than one year in advance, the interest is not less than three months of the actual repayment amount; if the loan is repaid in advance one year, the repayment is not less than one month of the actual repayment amount. interest.', 'New home purchase policy stipulates that families who purchase the first home with a built-up area of less than 90 square meters can enjoy a 20% down payment policy; if the size of the first set of housing is greater than 90 square meters, the proportion of the down payment for the loan must not be low At 30%.', 'In 2009, the total loans of an international bank to small and medium-sized enterprises increased by 14% compared with last year. At the same time, it launched an unsecured personal loan of "Happy Time Loan". Local residents aged 18-55 can get up to 500,000 yuan in loans.']