Integer does not stipulate that mortgage loans must be integers, but if there is zero, in order to facilitate the calculation of mortgage loans, major banks and lending institutions will choose to borrow integers, so they also

Second, mortgage repayment is generally zero, integer or integer.

Integer does not require the mortgage to be an integer, but if there are zero and integers, it is difficult to calculate the repayment. In order to facilitate the calculation of mortgage loans, major banks and lending institutions will choose to borrow integers, so the repayment of mortgage loans is generally integers.

3. Can housing loans only be in whole numbers?

The housing loan of China Construction Bank does not need to be an integer. In fact, as long as the mortgage is repaid, the loan balance will not be an integer.

China Construction Bank (hereinafter referred to as China Construction Bank or CCB, formerly known as People's Construction Bank of China, renamed as China Construction Bank on March 26th, 1996) was established on June 5th, 954 (Wu Jianian). It is a joint-stock commercial bank and one of the top five state-owned commercial banks.

Fourth, must the term of housing loan be an integer?

There is no requirement that mortgage loans must be integers, but in order to facilitate the calculation of mortgage loans, major banks and lending institutions will choose to borrow integers, but it is clearly stipulated that the loan amount cannot exceed the value of the house. According to Article 7 of the Measures for the Administration of Individual Housing Loans, the borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans. Article 8 The loan amount issued by the lender shall not exceed the value of the house purchased by the real estate appraisal agency. Article 9 If an applicant applies for using the housing provident fund loan to purchase a house, after the loan application is approved, the lender will transfer the funds to the bank account opened by the selling unit according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members. Extended data:

Article 5 A borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender.