Shanhaiguan's loan policy of buying an old building has no deposit through an intermediary. According to relevant information, Shanhaiguan does not need to pay a deposit to buy an old building, and the money paid is called "loan fee" or "guarantee service fee", which is non-refundable. When banks handle housing loans, usually only the short-listed institutions can recommend business. Some intermediary companies are not shortlisted, so they have to entrust a third party to handle it, and naturally they need to pay a handling fee. Moreover, some intermediaries have been shortlisted, and others have paid fees, made deposits in the bank, or agreed to other requirements of the bank, such as pulling deposits and buying funds, so the shortlisted intermediaries will also charge loan fees.