The maximum loan amount for civil servants shall not exceed 10 times of the average monthly household income, generally not exceeding 50,000 yuan, but the lending institution will determine the specific amount according to the borrower's repayment ability, credit status and other factors. Due to the stable work and income of civil servants, as long as the loan requirements are met, the loan amount can generally reach ten times the personal monthly income.
Some banks have more preferential treatment for civil servants. Let me give two simple examples:
1. Wage loan of Industrial Bank. As long as your income reaches 5000 yuan and you have a small amount of capital demand, then this product may become your best choice, because its minimum loan amount is only 1 000 yuan. In terms of loan term, there are three options for wage loans: 12, 24 and 36. If the borrower wants to apply for early repayment three months after the loan, he only needs to pay a penalty of 3% of the remaining unpaid amount.
Second, Bank of Ningbo White Collar Connect. Bank of Ningbo's white-collar image is closer to large credit cards. Because the product has the characteristics of one-time application, loan-and-return and recycling; The credit line is relatively high, ranging from 654.38+00-300,000 yuan. The longest credit period of this product is 3 years, and the interest will be calculated according to the actual number of days in the credit period. If the loan funds are not used, no interest will be generated.
Bian Xiao reminded: Many people mistakenly believe that there is basically no problem in applying for a loan as long as the conditions meet the standards, but what I don't know is that if the loan is used improperly, the bank will refuse it. If you intend to use it for gambling, usury, or stock trading, futures trading and wealth management products, these banks are not allowed. Even if you get the loan, the bank will take it back and give you a penalty for breach of contract if it finds that the loan has not been used according to the regulations.