Nowadays, there are a lot of people who own houses. Houses can not only provide a place to live, but also be used for mortgage loans at critical times. There are many intermediaries in the market that can provide loan services to help users complete the loan process. Can you go to the bank to handle the property mortgage yourself? It is also possible. Now there are two mortgage methods. 1. Apply to the bank by yourself. If the user knows something about the mortgage loan process, and his application materials, house conditions, income, bank flow, credit information and liabilities are all good, he can bring relevant certificates to the bank to handle it, as long as it is in accordance with the requirements of the bank. Because individuals don't know much about bank loan policies, it's best to visit more banks and compare the details of mortgage loan amount, interest and term, and choose the most suitable one. Compared with the help of an intermediary, the advantage of handling a mortgage loan by yourself lies in safety, and you won't worry about meeting a black intermediary. In addition, you will save a lot of intermediary fees. However, if you are unfamiliar with the mortgage loan process, you may delay some time, and if the loan scheme is not good, you may be rejected.

2. Apply for a mortgage loan through a loan intermediary. The common way to apply for a mortgage loan now is to find an intermediary company, a formal and excellent intermediary, which can save you a lot of things and save a lot of time. Because the intermediary has a financial background and understands the loan policy, it can make a reasonable loan plan for you, and the loan pass rate will be higher. In short, whether you apply for mortgage loans through individuals or intermediaries, you must be cautious, choose a formal and reliable bank to handle business, and don't trust others' agency and packaging materials casually.