You can consult the bank you want to borrow, and the standards of each bank are different. Some are 60% of the total salary for five years. The amount of the loan will depend on your purpose.

Second, how much can civil servants borrow to buy a house?

Lending institutions not exceeding 500,000 shall determine the specific loan amount according to the borrower's repayment ability, credit status and other factors, and the maximum loan amount shall not exceed 500,000. Ordinary employees can borrow about 200 thousand yuan, and the loan amount of old employees and senior managers will increase to varying degrees. The civil servant loan institution will determine the specific amount according to the borrower's repayment ability, credit situation and other factors, and the maximum amount will not exceed 500,000. Ordinary employees can borrow about 200 thousand yuan, and the loan amount of old employees and senior managers will increase to varying degrees. Civil servant loan term: in principle, the loan term shall not exceed 12 months; Repayment method of civil servants' loans: The loan interest rate rises according to the benchmark loan interest rate stipulated by the People's Bank of China. The principal and interest of the loan shall be repaid in equal monthly installments. If the loan term is more than one year, the interest rate will be adjusted at the beginning of the following year in case of legal interest rate adjustment. 1. Related issues that need to be paid attention to when handling loans: 1. When applying for a loan amount, we must be moderate, fully consider the financial situation and financial habits of individuals and families, and avoid the situation that we can't afford it. 2. Be sure to keep a good credit record. Once the credit record is bad, it will directly affect the operability of the loan, and the bank will refuse to lend. 3. Provide real personal information to the bank when making a loan, cultivate a good sense of honesty from the beginning, never provide false information, and notify the bank in time when personal information changes. 4. The loan applicant should have a stable source of income, willingness and ability to repay, and explain the purpose of the loan and provide relevant certification materials, such as purchasing real estate, production and operation turnover, decoration, etc. 5. Never choose the loan variety, loan term and repayment method that suits you according to your own situation. When signing contracts, agreements, etc. You should read the terms clearly, know your rights and obligations, and take good care of the contract and agreement. Two, civil servants, known as national civil servants, are public officials responsible for the overall management of economic and social order and national public resources, and maintaining the implementation of national laws and regulations. In our country, civil servants refer 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. According to the nature, characteristics and management needs of positions, civil servant positions are divided into comprehensive management, professional technology and administrative law enforcement. In the State Council, according to the Civil Service Law of People's Republic of China (PRC), if there are special positions that need to be managed separately, other positions can be added.