The salary is 20,000, the debt ratio is 60%, and the ICBC mortgage can pass. According to public information, ICBC's mortgage is relatively easy to pass. As long as users meet the requirements of ICBC's mortgage, they can apply for a certain loan amount as required, including ICBC's housing loan, with a debt ratio of 20,000 yuan. If you want to apply for an ICBC mortgage, you need to prepare a permanent residence in the town or a valid residence permit, and you must have a stable occupation and income.