Zhongyuan Bank is a rubbish bank. I bought a house in October (Sanmenxia Shaanzhou Jianye) and was told that I will now cooperate with Zhongyuan Bank to apply for a loan (I was told that the Agricultural Bank of China has no quota). After I paid the down payment, I Before submitting the documents, my credit report and income proved that everything met the requirements. Before I left, they told me to buy financial insurance and save 10,000 yuan a year for 5 years. They said that this way, I would be sure to get the loan approved, and the loan interest rate was 6.12% (I Second house), I said yes without thinking about it. No matter how much I went back, it was not worth it. Finally, the staff who handled the loan told me that there was another way, which was to buy a precious metal product in their mall. The cheapest one I saw that day was a rotten silver water cup. The value was 1999, but I didn’t think it was worth even 150. Then my wife called the customer service number of Zhongyuan Bank and informed her that it was illegal to impose additional conditions on the mortgage loan. Finally, the bank staff called back and said that she didn’t need to buy it and that the approval would be processed normally. Almost a month later, the bank and the real estate consultant said that my loan was rejected. They told me that we had complained to customer service and it would have a bad influence on the leadership. Also, since we were running a business out of town, the risks were high, so they disagreed. The career consultant has been telling me not to complain again, otherwise other banks will reject the application, and if I do this again, Zhongyuan Bank will sue me and put me on the financial blacklist, etc. Anyway, they are just trying to scare me. I fired the job with the career consultant that day. After a fight, Jianye’s professional consultant is really awesome (roughly meaning either full payment or check-out). Why are you threatening me like this when buying a house in a fifth-tier city? It's not a lottery. Who is afraid of who? I have lived for more than 30 years and this is the first time I have encountered such a disgusting bank. Then I advise everyone to choose the four major banks for home purchase loans. Absolutely no problem.