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 5 A borrower shall meet the following conditions:

1. Has a permanent residence in the town or a valid residence status.

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 housing subsidy, 30% of the personal share will be used as the down payment for house 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.