Even though the banks offer different types of loans specifically for civil servants, the basic requirements are almost identical. To be eligible for such a loan, you must be a civil servant or a probationer. The loan comparison can help to find the right loan.
In addition, full-time graduates mostly belong to this group. Also Dienstordnungs employees (DO) and employees in the public sector benefit from preferential conditions. Likewise, it includes professional soldiers.
All those status groups must have been in the public service for at least five years. But here, too, there are criteria that can lead to a rejection. This is often due to negative Private credit entries or ongoing garnishments, when it came to previous financing problems in payment.