First, most second-hand housing loans do not need to go through guarantee companies. Intermediaries try their best to persuade customers to pay the guarantee fee, mainly because it is linked to the interests of the guarantee company and can collect kickbacks from it. At the same time, the relationship between some small intermediaries and banks is "not in place", and the approval and lending links need the assistance of guarantee companies.

Second, the second-hand housing loan repayment methods are:

1. Equal principal and interest: within the loan term, the loan principal and interest shall be repaid in equal amount every month.

2. Average capital: the monthly repayment principal remains unchanged during the loan term, and the interest is calculated according to the remaining principal of the previous month.

3. Equal principal and interest by installment: repay the loan interest monthly within the grace period (up to 3 years), and repay the loan principal and interest by equal principal and interest repayment after the grace period.

4. Staged average capital: repay the loan interest on a monthly basis within the grace period of the loan (up to 3 years), and repay the loan principal and interest according to the repayment method of average capital after the grace period.

5. One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity (limited to loans within one year).