First of all, compared with other ordinary wage earners, the work and income of civil servants are relatively stable, and stable work and income ensure stable repayment ability, which can repay on time and avoid the occurrence of non-performing loans. Therefore, the conditions for banks to accept loans from civil servants are relatively loose. As long as there is no bad credit record, most of them can apply.

Secondly, civil servants have a wide range of options to apply for loans. We know that many banks often publish two versions when promoting individuals, one is for high-quality job seekers such as civil servants, and the other is for all working-class people. Therefore, civil servants have two choices, while ordinary wage earners have only one. Many commercial banks' personal unsecured consumer loans are even only aimed at high-quality professional groups such as civil servants.

In addition, the interest rate of the same loan product has a certain floating space, which is mainly determined by the qualifications of the applicant. Civil servants can enjoy lower loan interest rates when applying for loans. Moreover, in terms of the application amount, civil servants can also obtain a higher loan amount.

2. Can civil servants get interest-free loans?

Now all banks have no interest-free loans. As for the interest-free loans guaranteed by civil servants, they 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.

1. Civil servants, also known as national civil servants, are public officials who are responsible for the overall management of economic and social order and national public resources and ensuring the implementation of national laws and regulations. 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. Ministry of Human Resources and Social Security released the statistical bulletin on the development of human resources and social security in 20 15 on May 30th, showing that by the end of 20 15, there were 7167,000 civil servants nationwide.

3. In view of the different opinions on the scope of civil servants, the National People's Law Committee has repeatedly studied that the cadre management system is in the process of reform, and the scope of civil servants needs to adapt to the development of democratic politics and the current cadre management system in China. The provisions of the draft civil servants are in line with the actual situation, and it is recommended to maintain the scope stipulated in the draft; At the same time, it is suggested that the expression of the definition of civil servants should be revised and improved to meet the scope of civil servants that needs to be standardized. Finally, the legislature accepted the proposal.