Hello, the loan term refers to the period from the date of bank loan to the date of full repayment of loan principal and interest. Generally, the loan amount and repayment ability can be determined by calculating and applying the monthly repayment table of individual housing loans provided by banks. (1) Calculate the mating life. Probation period = loan amount ÷ (repayment capacity ×12); (2) Multiply the monthly repayment amount per 10,000 yuan loan in each year after the probation period by the loan amount to calculate the monthly repayment amount of the loan application; (3) Compare the monthly repayment amount of the applied loan with the repayment ability. If the former is greater than the latter, you need to repeat the second step, and compare the monthly repayment amount of the loan applied for in incremental years with the repayment ability again until the former is less than the latter. This is the loan term you want to determine.