Hello, average capital is one of the main repayment methods of mortgage. Of course you can apply! However, applying for a mortgage has something to do with the public developer of the property you bought. Some properties will cooperate with specific banks, so whether you can apply for a loan in ICBC, you must first ask the developer of the property you bought. As for the procedures for applying for mortgage, the details are as follows:

1. The applicant applies for a loan, fills in the loan application form and submits the application materials required by the bank.

2. Acceptance, investigation and approval by banks. The approval process includes: the bank investigates and verifies relevant information, and decides whether to grant loans, loan amount, interest rate, term, etc.

3. After approval, the bank signs a loan contract with the borrower, and goes through the filing and mortgage procedures.

4. When the bank issues a loan, the applicant will repay it on time according to the prescribed repayment method.