Loans for civil servants are relatively simple and convenient, of which cadres above the deputy department level can borrow 200,000 yuan, and cadres below the deputy department level can borrow 6,543,800 yuan.

Unsecured loans can be obtained only by personal credit without collateral. The maximum amount for applying for an unsecured loan is 500,000. Generally speaking, the loan amount obtained by the borrower is 5- 10 times of his salary. If the borrower has a large asset certificate, the amount will increase.

Because the work of civil servants is much more stable than that of other wage earners, banks and small loan companies will classify civil servants as high-quality customers, and the approval rate of unsecured loans is very high (as long as your credit information is not bad). As far as the loan amount is concerned, it will generally be 10 times the salary. If you have a high level, or have proof of large assets such as real estate, cars and deposits, the loan amount is 15 times or even more than 20 times your salary.