This is stipulated by the guarantee company itself, and some housing loan guarantee companies also make such home visits. Let me introduce you to the guarantee company first. When the bank gives you a loan, he wants to guarantee his rights and interests, so he asks a third party to guarantee it. I also learned some reasons for home visits. First, the guarantee company's home visit is to ensure that its guarantee is risk-free and understand the customer's credit status. Second, home visits generally charge some fees, so that the guarantee company has more income than the guarantee fee.