1. Yes, the loan must be repaid before 22:00 on the repayment date. For example, if the repayment date is the 24th of each month, then you can repay the loan before 22:00 on the 24th. ICBC personal credit management system PCM2003 will process deductions only after it is closed at 22:00 every night. Therefore, depositing before 22:00 on the 24th of every month will not cause a loan default.

2. For credit card non-cash transactions, the period from the bank accounting date to the due repayment date is the interest-free repayment period. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the bill date to the last repayment date, and the longest is from the day after the bill date to the last repayment day of the next month. If the bill date is the 1st and the final repayment date is the 20th, the minimum is 20 days and the maximum is 50 days. During this period, as long as you repay the current balance due on the current statement in full, you will not have to pay any interest on the funds advanced to the store by the bank for non-cash transactions (cash advances do not enjoy the interest-free discount).

3. Home loan, also known as home mortgage loan. A home loan is when a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract, letter of guarantee, etc. that must be submitted. The bank will make a commitment to the home buyer after passing the review. Grant loans, and handle real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract signed between the bank and the home buyer. The bank will directly transfer the loaned funds to the house selling unit within the period specified in the contract. on the bank's account.