If your loan is handled through an intermediary, the intermediary can't help you lower the interest rate. When the time comes, you will find an intermediary to handle the loan, and the intermediary will tell you that he can help you lower the loan interest rate. In fact, this is just a cover. Handling a loan through an intermediary can't help you save the loan interest.
Although banks will set different interest rates according to the different qualifications of customers when approving loans, they rarely use this method in the actual operation process, and generally use fixed interest rates to face loan customers. However, the bank will not inform the loan customer of this actual situation, but will inform the customer that the interest rate will be adjusted according to the different qualifications of the customer. Most customers will think that banks will really take different interest rates for different customer qualifications.
Under what circumstances will the bank give preferential interest rates? When you give the bank extra returns, the bank will lower your loan interest rate. For example, if you buy funds, wealth management and insurance in a loan bank and you bring other benefits to the bank, then the bank will consider lowering your loan interest rate.
If you go to the bank to apply for a loan through an intermediary, the intermediary will tell you that there are ways to let the bank reduce the loan interest rate, but the intermediary will tell you to go to the bank to buy insurance, funds, wealth management and other products, thus reducing the loan interest rate. In fact, if you can do other business with the bank, you can get a lower interest rate even without an intermediary, so it is impossible to get a lower loan interest rate through an intermediary company without spending other extra costs. Intermediary companies only use the asymmetry of information to earn high fees from you.
If you can meet the loan conditions of the bank yourself, you can borrow directly from the bank. If you can't meet the loan conditions of the bank, even if you borrow through an intermediary company, you can't pass the approval of the bank.