1. Civil servant credit loan is an unsecured credit business provided by banks and microfinance institutions to eligible civil servants of the government and its affiliated institutions. No guarantee, no mortgage.

Business characteristics:

1) The loan procedure is "simple", and you can apply for a loan with your personal credit and unit certificate;

2) The loan interest rate is "preferential", and civil servants can enjoy the benchmark interest rate discount if they have good personal qualifications and good health;

3) The loan amount is "high", with a maximum loan of 500,000 yuan;

4) The loan term is "long", and the longest loan can be 48 months;

5) Housing mortgage loan generally takes about 25 working days.

6) Credit loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee.

7) It is characterized in that the debtor can obtain a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.

2. Loan preparation conditions:

1) to have a fixed income, it depends on the salary details;

2) 18-50 years old, and pay off the loan before 65 years old;

3) If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4) No bad credit record.

3. Materials to be prepared for the loan:

1) Lender ID card;

2) The lender's credit information in the last six months is good;

3) The bank card under the lender's name has been flowing continuously for nearly half a year;

4) Lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5) Income certificate issued by the lender's work unit;

6) Social security, insurance policies and provident funds can also be loaned.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.

For example: personal salary loan

Two. Materials to be prepared for wage loan:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security card (available);

7. Provident fund card (available).

If the loan application is successful, you should repay the loan in time, not overdue, cherish your personal credit and avoid the formation of black households in the future.

Consequences of overdue:

1, bear high penalty interest;

2. Causing legal disputes;

3. Leave a "credit stain" in the national credit information system.

Thirdly, the suggestions are as follows:

1, it must be made up immediately, and a part of the penalty interest must be paid. It is recommended to hand in more, so that the bad records can be cleared temporarily. The arrears have been more than a month, and the next repayment should pay off two months' monthly payment and the penalty interest of last month in one lump sum.

If there is no delay in the future, the computer will eliminate this bad record after one year.

3. The repayment is postponed, but the repayment period will not be postponed, and only a bad record will be left forever.

4. Remember to pay off the previous monthly payment and penalty interest before the repayment period next month.

Bank blacklists are not allowed to handle bank loans. Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If it is to be eliminated, it will take another five years. After the seven-year retrospective period of credit card blacklist, the bank will automatically cancel the blacklist.

5, the blacklist will have a permanent impact on many things such as buying a house loan and running a business in the future.

From the current point of view, no matter what kind of loan credit a "black household" applies for, it is more likely that the loan will be rejected by the lending institution. However, if the real estate or car under its name is available, it can go to a pawnshop for mortgage loan. According to many sources, pawnshops have no requirements for borrowers' credit. As long as the collateral meets the requirements of the pawnshop, the borrower can provide complete loan procedures and get the loan smoothly, but the loan period is short, which is not suitable for long-term capital turnover.