Taking individual housing loans as an example, this "direct customer" marketing model allows customers to get rid of the restriction of bank loans designated by real estate developers, and buyers can choose their own loan banks. Direct contact with the bank, rather than indirectly handling business through developers or intermediary companies, saves a lot of charging links in the middle, so that customers can buy with confidence and borrow clearly. It is characterized by preferential one-time payment when buying a house, various fee reductions and exemptions, more flexible guarantee methods, and the choice of outlets nearby without geographical restrictions.