It can be distinguished by interest rate and service fee. Generally speaking, the high interest rates and service fees are all intermediaries, and the low ones are generally self-owned funds. Specific needs to be identified according to the actual product. In the case of mortgage, the profit of the intermediary is about 20 thousand or even more. However, there is no need to consider whether you have your own funds. First, you may not find your own funds. Second, as long as you can do things well, you don't have to worry so much.