Civil servant credit: how to obtain it?

The civil servant credit is, as its name suggests, intended for civil servants. It corresponds to several types of loans at preferential rates. 

What is official credit?

What is official credit?

Addressed to civil servants, the civil servant credit is an offer established for civil servants.

There are three types of civil servants: the state civil servant, the territorial civil servant and the hospitalist.

The civil servant credit compensates for the fact that these workers are not entitled to the “employer loan”. The latter is in fact accessible only to employees in the private sector.

The official credit is also intended for holders, trainees or contract workers. To these are added:

  • Their spouse, whether active or not
  • Their descendants and ascendants, whether active or not
  • Employees of public or private law, establishments or companies in the public sector 
  • Local, national or European elected representatives

For example, if a couple (made up of a civil servant and a private employee) wishes to take out a loan, it is recommended to make two separate loan requests. You will thus be able to benefit from the 1% employer loan  and the advantages of the civil servant loan.

In addition, public administration employees have an additional advantage, added to this civil servant loan: they benefit from a distinctive surety (called civil servant mutual surety), through which a certified organization guarantees their bank loan. And this, at no cost.

Where to go to take out a civil servant loan?

Where to go to take out a civil servant loan?

It is first important to compare the various offers before applying for a loan. We must not forget the traditional offers, which can sometimes have unexpected advantages.

In addition, it is advisable to go to the offers of mutuals of the function held. They often offer credits reserved for civil servants and can therefore guide you according to your needs.

On the other hand, for the “loan to civil servants”, it is to his employer that civil servants are likely to obtain information.

What types of official credit exist?

What types of official credit exist?

Although it suggests the existence of a single official credit, it actually covers several types of loan:

Personal loans

Intended for the purchase of a vehicle (car, boat, etc.) or for carrying out work, they make it possible to benefit from an amount of 3,000 to 20,000 $.

You must apply to organizations such as the CSF (Credit Social of Civil Servants), Banque Populaire or BFM (Banque Française Mutualiste) in order to subscribe to this type of loan. You will have the choice between:

  • The unrestricted personal loan that does not require justification as to why you want to borrow.
  • The assigned personal loan, where conversely, it is necessary to justify your project.

The amounts issued generally range from $ 3,000 to $ 20,000 for a period which extends from 12 to 72 months, with reimbursement conditions established upon signature of the contract.

Home loan

The mortgage is probably the offer that has the most advantages for civil servants. It is the equivalent for the public service of the employer credit (Action Logement) because it allows you to benefit from personalized housing assistance (APL).

What are the conditions?

It is used to finance the purchase of new or old accommodation, intended to be inhabited as a main residence and located within a radius of 50 km from the workplace. It can also apply to carrying out work. Finally, the requesting official must not have official accommodation.

However, the mortgage cannot finance the entire cost of housing. It must be associated with a regulated loan, such as:

  • The loan under agreement
  • Social accession loan (PAS)

Its duration extends over 10 to 15 years maximum.

What is its amount?

The amount of the official real estate loan is calculated according to the number of rooms of the desired housing and its geographical area.

Thus, in 2017, these amounts were estimated between $ 1,219.59 (1-room accommodation, located in zone 3) to $ 3,887.45 (7 rooms, in zone 1).

Revolving credit

Revolving credit allows the borrower to benefit from a credit that he can use freely. This credit can also be replenished. He opens his voice to a loan of up to $ 3,000.

The repurchase of credits

This type of credit combines several credits into one to guarantee the borrower the lower monthly payments. For example, the civil servant loan can be granted in association with a real estate loan (agreement or social accession) but under means test.

What Are The Benefits For Official Loans?

What Are The Benefits For Official Loans?

If you benefit from several aids, you increase your chances of having your loan application accepted.

In addition, the public service mutual insurance company can stand surety free of charge. It can also offer you insurance at negotiated rates, often lower than those on the market (between 0.20% and 0.25%).

Your civil servant status reassures banking establishments, due to your stable professional situation.

The caution

Also called collateral, it is mandatory for all loans. It is useful for the bank to prevent defaults and ensure the repayment of the contracted credit.

It can be expressed in the form of:

  • personal guarantee contracted through a surety company (Crédit Logement, for example)
  • real guarantee (as a mortgage  on your property). It is the bank which chooses the type of surety to favor according to your profile but also to your project.

Note that the deposit is an additional cost in your loan.

  • The  personal guarantee  costs between 1% and 1.5% of the amount borrowed depending on the company which guarantees
  • A real guarantee costs between 0.8% and 1.5% of the amount borrowed

In addition, certain public service mutuals have developed a guarantee company specifically addressed to public service agents. It takes into account the particularities of the public sector (these are CASDEN  and  BMF) . The cost of the guarantee is then estimated at 0.4% to 0.5% of the amount borrowed.


It corresponds to the most important costs of your credit, with interest. It allows you to continue to repay your loan, even in the event of a life accident. You thus avoid payment defaults.

In the law, you are not forced to insure yourself. However in practice, banks require insurance, if only for death and PTIA (Total and Irreversible Loss of Autonomy).

Depending on your project, other guarantees may be requested: to prevent work stoppages, incapacity or even against job loss.

Banking establishments offer insurance contracts corresponding to the loan allocated. However, you have the power to opt for delegation of insurance, if you wish.

It is then possible to take out a loan insurance contract with another organization. The bank cannot refuse you, if you respect the equivalence of guarantees.

In addition, you can ask your mutual insurance company for the type of loan insurance contracts it has. Depending on your sector of activity, you will benefit from advantageous conditions. This is the case if you carry out a so-called “risky” trade (eg military , firefighter). indeed, traditional insurance contracts can refuse you certain guarantees: they refuse to cover you for certain situations. The ideal is then to choose a suitable insurance, delivered (or not) by your mutual. The latter can offer you a contract specific to your needs and the risk you represent.

Other official credit charges

Management fees are usually low, due to the introduction of discounted rates. They regulate current account, bank card and other fees.

In addition, you can access subsidized savings accounts, reserved exclusively for holders and retirees of the public service.

You can also call your broker. It will help you see clearly when negotiating the contract.

Since your income is guaranteed and predictable, certain establishments may grant you a progressive loan: the monthly payments will adapt to the increase in your wages. Two consequences: your loan will be reimbursed more quickly or you will be able to take out a larger loan.

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