1. The three-year interest-free loan for civil servants is not applicable to all escort agencies. Some lending institutions do have such loan regulations, but most lending institutions (especially banks) do not provide such services. Generally speaking, interest-free loans are aimed at special people.
2. Interest-free loans for civil servants in some areas are actually government subsidized loans. Only policy loans can get government subsidies. To meet the requirements of local policies and conditions, commercial banks need collateral or guarantor for loans.
3. If you want an interest-free loan, you must first meet the following conditions:
(1) Applicants for interest-free loans must be at least 18 years old and not more than 45 years old, and citizens with full civil capacity.
(2) If the applicant wants to apply for an interest-free loan, he needs to apply at the place where the account is located.
(3) Applicants for interest-free loans have good credit and repayment ability, stable work and income, and no bad credit record.
(4) The use of loans for project construction or self-employment is conducive to the sound development of social economy and has good social and economic benefits.
(5) Require the applicant to provide proof that it has the ability to repay the loan.
Second, how can civil servants buy a house with low wages?
1. Although the salaries of some newly recruited civil servants in our country are not too high, all kinds of benefits are better, especially the provident fund is very high. It is not difficult to buy a house with the provident fund.
2. When the salary of civil servants is low, they can choose to borrow money to buy a house, and in general, the loan amount applied by civil servants can be as high as 15 to 20 times the monthly income, with a maximum loan of 500,000. If there are other fixed assets, the loan amount can be higher and the threshold for buying a house is relatively low.
3. The threshold for civil servants' loans is not high, mainly because this job is stable, as long as you can produce the unit certificate and income certificate, but the premise is that there is no bad credit record.
4. Now in some cities, many civil servants have affordable housing to buy, or the unit gives them cheaper houses, so there is no great pressure to buy, and the interest on provident fund loans is very low. Buying a house in this way is a very good choice for civil servants.
3. What are the subsidies and concessions for civil servants to buy a house?
1. At present, there are two forms of housing subsidies for civil servants in China: direct rent subsidies and the provision of low-rent housing dormitories and housing. .
(1) Rent subsidy, that is, it is paid to wages in cash and embodied in the form of housing subsidy.
(2) The other is that the unit rents the house to employees at a nominal rent far below the market price. Generally, there are dormitories or affordable houses built by units.
2. The amount of housing subsidies for civil servants in China varies according to different ranks and regions. The differences between different ranks and regions are still relatively large, so there is no unified standard. According to the CCTV news report "The Housing Subsidy Standard for Civil Servants Ups and Downs", the housing area standard in Chongqing is less than half of that in some areas. From the subsidy standard per square meter, Hunan is only half of that of individual regions.
3. Because it is a market economy now, civil servants at corresponding ranks may not be able to enjoy direct housing allocation after reaching the corresponding ranks. Civil servants who do not enjoy the corresponding welfare housing area standard, or civil servants whose actual housing area does not reach the standard area, will enjoy the corresponding local housing subsidies. The subsidy per square meter of employee housing will be adjusted by the relevant departments according to factors such as housing prices, and each region is different.