The latest policy of national civil servants:

I. Application conditions

It is understood that the conditions for civil servants to apply for the exam include:

1. The borrower must work in all levels of major towns and state administrative organs throughout the country;

2, under the age of 55, with full capacity for civil conduct;

3. The borrower's personal credit information is good and there is no bad credit record;

4. Other conditions stipulated by the lending institution.

Second, the required information

1. Copy of the original ID card;

2. Civil servant certificate issued by the unit;

3. proof of income.

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

6. Other conditions

All major banks can provide unsecured credit loans to civil servants.

Generally, the application materials that civil servants need to submit for personal credit loans include: ID card, work certificate, income certificate, salary list and water, electricity and coal bills. The maximum loan amount is uncertain, and some banks stipulate that the maximum loan amount is 6,543,800,654,380,500 and 300,000. Some banks also determine the loan amount according to the salary level and position, with a maximum of 1 10,000. Civil servants should inquire about local financial policies and bank loan policies in detail before lending.

Civil servant credit loan, also known as civil servant credit loan, mainly refers to a loan that an individual applies for from a bank with civil servant identity, income certificate, address certificate and other materials without any collateral. Banks issue loans according to the credit and status of lenders, and the interest rate is generally slightly higher than that of secured loans.

Is it easy to borrow 300,000 yuan from civil servants?

Simple.

Because the salary of civil servants is stable, it is easy to grant loans.

Civil servant loans are actually personal loans, and there are no other preferential policies.

In addition, all loans, including mortgage loans, credit records and repayment records, are filed in the information center of the central bank, and banks will check them during the audit. Therefore, personal loans are definitely in conflict with mortgages and car loans.

A 30-year loan is the longest term. According to your age, people under 30 generally have a higher pass rate.

How much is the annual interest on the civil servant credit loan of 300,000 yuan?

There are two algorithms:

1, repayment method of equal principal and interest: total interest: 9 177.67 yuan, total accumulated repayment: 309 177.67 yuan,

Monthly repayment interest: 25,764,438+0 yuan;

2. Average capital repayment method: total interest: 9 100.00 yuan, total accumulated repayment: 309 100.00 yuan, and monthly repayment interest: 26,400.00 yuan.

1. civil servants, known as national civil servants, are public officials who are responsible for overall management of economic and social order and national public resources, safeguarding national laws and regulations, and fulfilling relevant obligations. In our country, civil servants refer to the staff who perform public duties according to law and are included in the state administrative establishment, and their wages and benefits are borne by the state finance.

2. According to the nature, characteristics and management needs of the position, the positions of civil servants are divided into comprehensive management, professional technology and administrative law enforcement. According to the Civil Service Law of People's Republic of China (PRC), if the State Council needs to be managed separately due to special positions, other positions can be added. According to the Statistical Bulletin on the Development of Human Resources and Social Security in 20 16 released by Ministry of Human Resources and Social Security on May 2 18, by the end of 20 16, there were 7190,000 civil servants in China.

The word "civil servant" is translated from the foreign language "civil servant or civilservice". English originally meant "civil servant" and "civil servant". Some people translate it as "servant of the Queen", some as "civil servant" or "civil service system", and some as "civil servant". Maybe this translation is more in line with the original intention. The United States is called "government employee"; Japan was called "civil servant" before World War II, and changed its name to "civil servant" after the war. France is directly called "civil servant"; The Federal Republic of Germany is called a "federal civil servant" or a "federal official". In today's world, many developed countries and some developing countries have followed the example of Britain and the United States and established their own civil service systems, calling those who engage in official activities in the government "civil servants".