chore: repo maintenance (node v20 floor, CI action bumps, env cleanup)

[ExcelDsigN-tech]

Summary

Picks up three unrelated maintenance commits that were sitting on local \main\ but never pushed to the protected remote branch.

Changes

1. *chore(backend): remove duplicated loan config block from .env.example* — removes a duplicated \LOAN_CONFIG\ block.
2. ci(deploy): bump docker build actions to current major versions — updates \docker/build-push-action\ and \docker/login-action\ in \deploy-staging.yml\ to current major versions.
3. chore: align Node.js version floor to v20 across repo — aligns the Node.js version floor in \README.md\ and \�ackend/package.json\ to v20.

Testing

No runtime code changed. CI (11 required checks) will validate the workflow + lockfile consistency.

[coderabbitai]

Important

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Configuration used: defaults

Review profile: CHILL

Plan: Pro Plus

Run ID: 3775f996-215b-40da-9462-61edc1edeaf4

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