1. Submit personal loan demand and general information to banks or loan product agencies.

2. The bank conducts a preliminary review of the loan application of the loan applicant and arranges a special person to contact the loan applicant.

3, guide the loan applicant to provide the required materials.

4. Re-audit

5. Reach a loan.

Civil servant credit submission materials:

1. Copy of the original ID card;

2. The identity certificate of the civil servant issued by the unit;

3, I and family income certificate;

4, water, electricity, coal, telephone and property management fee receipts and other materials.

Generally speaking, as long as the credit expires without retirement and the actual age is not over 55 years old (male is not over 60 years old) and has the ability to repay the loan principal and interest on schedule; Personal credit is good, so new loans for civil servants can be approved and issued quickly.