Why do civil servants pay less for a loan?

The question "Why do civil servants pay less for a loan?" was answered and was about public servants' loan.

When civil servants borrow money, the risk profile is looked at, just like any other applicant for a loan. The bank may see a lower risk profile in a civil servant.

You may also be referring specifically to the civil servant loan, this civil servant loan is provided by Bridge Finance Ltd and has selected the civil servants as a special target group. They argue that they have found several banks willing to lend money to civil servants at a lower rate.

In addition to the civil servant loan, Bridge Finance Ltd has also recently launched a special product for civil servants who are looking for a mortgage.

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