Yes, as a civil servants, you can also borrow money. Most of these civil servants you see borrow money to build their houses, establish their businesses or even extend it, most of them too also borrow money to further their children education. There’s one civil servant that borrowed money to complete his house project, he’s now a house owner, then paying back the money he borrowed on monthly basis. So it’s true that civil servants can borrow money and do anything, then repay back with their money salary.