As long as you have the repayment ability, the bank will not refuse the visa. But your guarantee company pays a lot of money. You didn't bargain with him. . And the intermediary said that if it can be done, it is basically no problem. After all, he also wants to make your money. Besides, if you can't do it, you can't let him.

If it is really not approved, the agency fee will definitely be refunded to you, and the deposit will be refunded to you, because it is not your fault. If the landlord wants to pay liquidated damages, you should find an intermediary, because you paid the deposit only because he promised to help you get it done. Don't worry about losing your money. . .