Find a guarantee company for a loan and give a gift to the bank? Does the guarantee company handle the whole process?

Why is this happening? Now it's a buyer's market, and banks need to take out their money to generate profits!

I don't know where you are. Are all your local lending institutions like this?

There is a link to submit a loan application online in my space. You can apply for a loan online, and the bank will contact you!

Try it, I hope it will help you!