1 This is mainly due to the different implementation standards of banks.

(1) It is understood that it is very easy for borrowers to apply for guarantees from postal services or rural credit cooperatives. But the amount is often not high, generally within 10w.

(2) If the borrower applies to Minsheng Bank for a guaranteed loan for civil servants, the amount will generally be in, and he will go to Industrial and Commercial Bank to handle the funds below 500,000 yuan.

Although the current civil servant secured loan does not need to mortgage the property, it can also be successfully loaned. However, if the borrower can provide collateral at the same time, the loan amount can be 70% of the value of collateral.

Second, is the civil servant loan guaranteed by others?

Depends on what the loan is. Credit loans don't need guarantees.

Three, a civil servant can guarantee several loans to others in the bank.

As a guarantor, that is, the guarantor of the employer, you can guarantee as much as you want.

If it cannot be repaid, the guarantor shall bear the responsibility for repayment.

You can make a loan, go to the issuing bank of the salary card, and use my salary card as collateral to make a loan. But the most important thing is to look at the purpose of the loan. If I buy a house, I can directly use the housing provident fund loan and take the salary card as collateral, and hundreds of thousands will do. Remember, I buy a house, a car or something. If relatives help relatives and friends to guarantee loans, the salary card mortgage depends on your city. The economic development level of a city is different from that of a city, so the money you can borrow is different. Like ordinary small cities, civil servants' salary card mortgage loans (helping others) can bring about 50 thousand.