The electromagnetic properties of neutrinos, which are either trivial or
negligible in the context of the Standard Model, can probe new physics and have
significant implications in astrophysics and cosmology. The current best direct
limits on the neutrino millicharges and magnetic moments are both derived from
data taken with germanium detectors with low thresholds at keV levels. In this
paper, we discuss in detail a robust, ab initio method: the multiconfiguration
relativistic random phase approximation, that enables us to reliably understand
the germanium detector response at the sub-keV level, where atomic many-body
physics matters. Using existing data with sub-keV thresholds, limits on reactor
antineutrino's millicharge, magnetic moment, and charge radius squared are
derived. The projected sensitivities for next generation experiments are also
given and discussed