Legal analysis: 1. Must be in major towns and state administrative organs at all levels, except workers, under the age of 55, with good personal credit information and the ability to repay the principal and interest.

2. When applying for a loan, the applicant needs to prepare a copy of the original personal ID card, the civil servant certificate issued by the unit, the income certificate of himself and his family, and the receipt of the recent payment of water, electricity and property fees, and apply to the applicant bank.

3. As the work and salary of civil servants are relatively stable, civil servants are relatively high-quality customers for lending institutions. Therefore, it is easier for civil servants to obtain loans than other groups in terms of interest rates and quotas.

Legal basis: Article 2 of the Civil Servant Law of People's Republic of China (PRC) The term "civil servant" as mentioned in this Law refers to the staff who perform public duties according to law and are included in the state administrative establishment, and their wages and benefits are borne by the state finance. Civil servants are an important part of cadres, the backbone of the socialist cause and the public servants of the people.