Legal analysis: Postal Savings Bank's loan policy for civil servants is: 1, aged between 25 and 55 years old (inclusive), and is a formal employee of the unit; 2. The individual has no bad credit record and no other liabilities except mortgage and credit card overdraft; 3. More than 5 people in this unit voluntarily form a group, and do not bear joint and several liability for guarantee, each with each paragraph. Product features: 1, simple procedures, only need to provide the original personal ID card and proof of the organization; 2. The credit line is high, with a maximum credit of 500,000 yuan (deputy department level and above employment documents are required); 3. Low interest rate, pure credit loan, far below the standard loan cancellation rate.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.