The civil servant loan: credit when you are a civil servant.

Posted on February 22, 2016 by Marion

The civil servant loan: credit when you are a civil servant.

Are you a civil servant looking to acquire real estate or finance your children's studies? Bet on the official loan, this financing solution that allows you to carry out your projects without having to save many years.

Indeed, you have a great job stability, but the evolution is quite slow and you cannot expect to receive large salaries. This form of official credit has been designed to adapt to your professional situation and your personal needs.

An official loan, for job security

Before granting you a loan, financial institutions will check your professional situation and use it as collateral. With the civil servant loan, this point is settled in advance with the security of employment and therefore you have every chance of obtaining this financing.

However, a debt threshold must always be respected and if you need a loan that exceeds this rate, you must ask for help from organizations specially set up to support you in finding civil servants loans. preferential or tailor-made.

Finally, our site allows you to find the best consumer loan and to do a simulation, however, we found that many Belgians were reading this article and contacting us to find out if we also offered loans for Belgians, this is unfortunately not the case, but we can only warmly recommend that the Belgian do a credit simulation on .

Who are the organizations that offer the official loan?


The Social Credit of Civil Servants is an association created in 1955 to support civil servants requiring a surety solution in the context of obtaining a civil servant loan. Since then, this mutual guarantee system has helped more than 2 million public servants by playing the role of a broker who negotiates with banks to find the best source of financing to meet the demands of its members.

In order to be able to offer loans to civil servants who have already suffered refusals from other banks, the CSF works in collaboration with four entities which are Créserfi, CSF Assurances, Progretis and the CSF foundation.


Banque Française Mutualiste has been in existence for over 25 years to help public sector employees. It offers them a civil servant loan at attractive pricing conditions to enable them to finance their projects.

Indeed, the BFM works in partnership with the Société Générale to offer you loans at preferential rates and insurance at a lower cost, as well as savings solutions and guarantees as part of a mortgage.

The different types of civil servant loan

To better meet your needs, the civil servant loan is available in several formulas, the most popular of which are:

Civil servant mortgage

When it is intended for the construction or purchase of a new or old house, the official loan is the equivalent of the 1% housing loan in the private sector. Granted by Crédit Foncier de United States, this loan will not require any administrative fees or mortgage guarantees, for a repayment period of 10 to 15 years.

To calculate the amount of the official loan, the geographical location and the number of rooms in the accommodation will be taken into account.

The civil servant personal loan

This official loan is defined as a personal loan where you will not have to provide proof of use of the funds. Depending on your financial situation and the calculation criteria of your financial institution, the amount you can borrow is between 3,000 to 20,000 US dollars, for a repayment period of between 12 to 72 months.

In your official loan agreement, you will know everything about your credit, because the amount of the monthly payment is fixed according to the repayment plan.

The civil servant car loan

Another official loan formula, the auto loan taken out by a public sector agent will be used to acquire a vehicle, with the presence of proof of purchase. Here, the amount is 3,000 to 60,000 US dollars, for a repayment period of 12 to 72 months.

As for the repayment plan, it is fixed in advance and the amount of monthly payments will be the same throughout the life of the official loan.

The revolving civil servant loan

Compared to the classic depreciable civil servant loan, the revolving civil servant loan will be granted to you in exchange for a fairly high rate, with a repayment period which will be defined according to the cost of the monthly payments that you will repay.

The repurchase of official credit

When you no longer manage to manage all your civil servant loans, you can proceed with a loan buyback. This will help you consolidate your current loans into a single loan to reduce the cost of the monthly payment and allow you to improve your budget.

The beneficiaries of the official loan

By definition, the civil servant loan would only be granted to people working in the public sector. But regulations vary from one financial institution to another, and you may have access to this source of funding if you are a civil servant, contract or intern in a state, territorial, hospital or military civil service. Loan offers are also granted to children and spouses of civil servants, employees of public establishments and elected officials (local, national, European). And if you have a private law contract, but work in a company with state participation, then you also qualify for a civil servant loan.

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