Capital Post is a very popular employer. Many always only see the mail and parcel deliverers and do not even know what huge device is behind these few people. In addition to its parcel and letter service, Capital Post also has Postbank and a large number of employees who work behind the scenes and earn good money.
Those who are permanently employed by the big yellow employer have a big advantage. He is either a civil servant or a civil servant. Both variables open up entirely new fields in borrowing. Because if you are looking for a loan for postal employees, you can make use of lucrative offers that are not available to other employees.
The official loan as a loan for postal workers
Loans offered to civil servants or civil servants are simply called government loans. So if you are looking for a loan as a postal worker with a fixed employment contract and a good income, you should not simply look for a loan for postal workers, but always for a civil servant loan. The offers in this regard are quite diverse and are provided either by the civil servants’ bank or by many other independent banks.
The offer of the civil servant bank
The civil servant bank, as the name suggests, only looks after civil servants and public employees. This clientele also receives a loan for postal employees, which stands out clearly from all other loan offers.
Here, the money that is returned to the bank in installments after the borrowing is not simply put into the loan. Rather, it is invested and saved in pension insurance or life insurance. Only the interest payments, which are very low, flow into the loan.
Only at the end of the term are the insurance policies terminated and the money saved there is added to the loan. Since the fixed return is always used in the calculation, no one has to worry that in the end he still has an outstanding amount to pay. But on the contrary. It is often the case that the return is above the commitment and therefore even a small plus jumps out of what is paid out to the borrower.
By the way: Taxes do not have to be paid on the insurance that is saved for the loan. should this be the case, the bank will calculate this accordingly and adjust the loan accordingly.
Credit for permanent postal workers from an independent bank
If you don’t like insurance, you can of course also take out the loan for postal employees from many other banks. Then in the form of the loans offered there. It is important that the borrower always emphasizes that he works at the post office and is a civil servant or civil servant. The loan offers are then adjusted accordingly and interest rates tumble significantly.
We recommend comparing both loan types in advance. The award should be given to the loan that best suits the project, is the easiest to adjust and that poses the least problems when it comes to admission.