In fact, whether it is civil servants or migrant workers, it is still difficult to buy a house in full. More than 90% of people should still apply for loans from banks, so we need various certificates when applying for loans from banks, one of which is income certificate and work certificate. It's harder to do. For migrant workers, although the monthly salary may be relatively high, it is not particularly stable after all, and it is even more difficult to apply for a loan from a bank because they really can't get these certificates.
However, civil servants are different. Although their income is particularly low, their monthly income is particularly stable and they have a fixed unit. So these civil servants prove that their work and income are very simple. In addition, migrant workers have long working hours, while civil servants have more leisure time every day, so civil servants can use this time to earn some extra money, such as going out to drive a drip cart, or delivering food, and making some investments if conditions permit, so their extra income is still quite large.
The most crucial point is that when handling loans, 99% of civil servants can apply to use their own provident fund to handle loans, so that their loans will be more cost-effective and they don't have to pay so much interest every month. However, migrant workers basically have no provident fund, so the interest will be more when buying a house, and most migrant workers will find it unbearable.