First of all, let us be clear: there is indeed a part of financial intermediation that is real. They have extensive industry experience and are familiar with the internal policies of major banks and financial institutions, and even some intermediaries have connections within the institutions. This means that, through them, the pass rate is usually higher. In particular, for applicants whose conditions are less favourable themselves, intermediaries can improve your credit rating through professional repair and packaging, thereby increasing the chances of a successful down payment。