There is no such thing. The general real estate agent will help you with this. Usually, it will negotiate the loan integer with you. Because the mortgage is 70%, the bank will not give you a mortgage of 7%. X% is only for rounding, because the maximum 70% is the maximum 70%, and only by reducing the mortgage ratio can it be rounded.

Generally, no one cares about getting an extra 20 thousand down payment, and hundreds of thousands of houses have been bought Do you still care about this? Generally rounded. This is also easier to calculate.

But the problem is that I can't afford it now, and I can't afford it in the future! We are poor.

—————————— Then discuss with the bank real estate agent and get a loan of 70%.