The term of intention is the term of the loan you intend to apply for, and the interest and principal of your loan will be determined accordingly. The loan term is determined by the borrower's business cycle, repayment ability, the agreement between the borrower and the lender, the lender's capital supply ability and the time agreed in the loan contract.

The conditions for applying for a loan are as follows:

1. At least 18 years old, with full capacity for civil conduct;

2. Have worked in this unit for six months;

3. The monthly income exceeds 4,000 yuan;

4. Have a good credit record.

Information provided:

1. When applying for a loan, you should fill in the Application Form for Personal Housing Loan of Industrial and Commercial Bank of China and submit the following documents to the bank:

2. Resident identity card (resident identity card, residence booklet or other valid proof of residence);

3. Certificate of loan income or solvency issued by the authorized department.

4. Letter of intent, agreement or other approval documents that meet the requirements of the house sales contract;

5. The first payment certificate issued by the developer;

6. Mortgage or mortgage.