Generally speaking, intermediary companies and banks have a long-term cooperative relationship, so it is relatively easy to handle loans and have a greater grasp of the process. Personal loans are also acceptable, as long as it is not troublesome, do it directly. Intermediaries used to have to apply for rebates, but now they can't. Therefore, if an intermediary company borrows money, it will help buy a house and promote the success of the transaction.

However, generally speaking, it is the intermediary who handles the loan.

Congratulations: the joy of housewarming!