1. Which banks offer credit loans with low interest rates for civil servants, public institution personnel, and teachers?

The Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and Postal Bank will all reduce the interest rates for some civil servants, public servants, teachers and other occupations.

2. What is the interest rate for public employee loans from Rural Commercial Bank?

The Rural Commercial Bank’s public employee loan interest rate is 3 profit margins during the activity, and 4 profit margins in normal times.

3. Three-year interest-free policy for teacher loans

Teachers can apply for interest-free loans. The prerequisites for bank lending and teacher qualification certificates. If a financial institution is willing to lend, it usually refers to the borrower's qualifications. If the borrower has good qualifications and good credit, the bank will consider the loan risk, and the risk of failure will be small. A lot, and lending will naturally follow.

Preferential policies for teacher loans:

It is said that teachers are engineers of the human soul. What’s more, our people’s teachers also need to buy houses, cars, and support their families.

Generally, teachers are members of the public establishment and are appointed by the national financial representative. No matter which bank they are in, civil servants are a well-recognized high-quality customer group, that is, whitelist customers.

The loan categories are gradually increased, so if teachers want to apply for a loan, it is recommended to go to a bank to apply for it. It has more advantages in terms of review. You can directly contact major banks, which have loans for teachers and public institutions

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Interpretation of Teacher Bank Loan Policy:

1. Many banks have relatively low income requirements for teachers. For example: a bank applicant’s monthly income must not be less than 5,000 yuan after tax, but if you are a teacher If so, then you can apply if your salary is no less than 3,500.

Teachers are high-quality customers of banks, so the qualification certificate of in-service teachers is helpful for loan approval

2. Compared with ordinary employees, the loan limit is higher. The loan limit for teachers is generally 8 to about 10 times, and up to 20 times for those with high professional titles.

Of course, the specific loan amount depends on the individual's qualifications. In addition to salary income, the loan amount is determined by a combination of bank status, assets, liabilities, etc.

3. Compared with other professions, teaching fees are relatively low, and of course it depends on the product and bank policies.

How much can a teacher loan cost?

Teacher salary card loans have a higher limit than ordinary employees, and are generally based on monthly salary income. For example, teachers can get a loan of 16,800 yuan for every low salary, and the maximum loan can be 42,000 yuan.

In addition, teachers who own real estate in the loan location will be approved for a higher quota than teachers who do not have real estate in the loan location

Legal basis: "2020 National Interest-free Entrepreneurship Loan Policy" 》

1. National interest-free entrepreneurs must be retired personnel, landless farmers, disabled people, family members of the military, and returnees who are no less than 16 years old, have a household registration in this city, are honest and trustworthy, have the desire to start a business, and have the conditions to start a business. Rural migrant workers, graduates of ordinary colleges and universities within the year and household registration requirements) and other self-employed persons, and those founded by small and micro enterprises (including farmers' professional cooperatives) can apply. For those with out-of-town registered permanent residence, urban residents in our city who have lived in their place of permanent residence for more than 6 consecutive months and participated in social insurance locally for more than 6 months, must register for employment and unemployment at their place of permanent residence in accordance with regulations, and obtain the same benefits as in this city. Holding policy.

2. Materials required for national interest-free entrepreneurial loans

1. Recommendation letter for small guaranteed loans (provided by the Bureau of Human Resources and Social Security

2. Identity cards of both spouses, household register (home page, index page, single page for head of household, single page for husband and wife, single page for husband and wife), marriage certificate (if married, provide marriage certificate, if divorced, provide divorce certificate and divorce agreement)

Originals and copies of the above information are required

3. Business license (or lease agreement), original and copy of laid-off unemployment certificate

4. Proof of residence (your own). House certificate or rental agreement) original and copy

5. Spouse’s income certificate

6. Bank of both spouses and the company’s operating company