Civil servant loan is a credit loan issued by a bank to eligible on-the-job civil servants of the local municipal government and its subordinate departments. The loan conditions for civil servants are very strict, and there is no need for mortgage and guarantee, which is a preferential policy for civil servants. Generally, the following conditions are required:

1. On-the-job civil servants who have worked for more than six months.

2. Have a local hukou or a long-term residence permit.

3, no major violations of law and discipline and approved by the local government.

4. Have stable income and repayment ability.

5. The purpose of the loan is legal.