1. Yes, the repayment must be made before 22: 00 on the repayment date. For example, if the repayment date is the 24th of each month, the repayment can be made before 22: 00 on the 24th. ICBC's personal credit management system PCM2003 will be closed at 22:00 every night for deduction. Therefore, deposits made before 22: 00 on the 24th of each month will not cause loan default.

2. For credit card non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the billing date to the final repayment date, and the longest is from the day after the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 20 days, the shortest is 20 days and the longest is 50 days. During this period, as long as you pay off the current payable amount on the current statement, you don't have to pay any interest on non-cash transactions (you don't enjoy interest-free discount if you borrow cash in advance).

3. Mortgage loan, also called mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.