1. You can apply for a provident fund loan from the Provident Fund Management Center. This is a loan with the lowest interest rate.

2. You can provide salary certificates and relevant mortgages to commercial banks for loans.

3. It is easier for civil servants to get loans from local credit unions. The Rongyidai you are talking about is an online loan bar. It invites bids online, and then lenders bid, and the online loan website charges handling fees and interest.

This requires providing relevant information according to their requirements. The specific loan amount is different for each person's qualifications.

Application conditions: ?

1. Staff in state administrative agencies at all levels in major cities and towns across the country, except for work staff and other unestablished staff; ?

2. Not retired when the credit is due and the actual age is no more than 55 years old (no more than 60 years old for men);?

3. Have the ability to repay the principal and interest of the loan on schedule;?

4 .Have a fixed residence, permanent residence or valid residence certificate in the location of the lender;?

5. Good personal credit status;?

6. Other conditions stipulated by the cooperative institution.

Application materials:?

Copy of original ID card;?

Civil servant identity certificate issued by the unit;?

Person and family Proof of income for members with income;?

Recent receipts for water, electricity, coal, telephone and property management fees and other materials.

Processing process:?

1. Submit personal loan requirements and general information to the bank or loan product agency?

2. Bank’s requirements for loan applicants Conduct a preliminary review of the loan application and arrange for a dedicated person to contact the loan applicant?

3. Guide the loan applicant to provide the required materials?

4. Re-review?

5. Achieve loan disbursement.