不足的頭期款：如果頭期款比例過低，銀行可能認為借款人的資金投入不足，而拒絕貸款申請。撥款速度較快：當天審核通過就能立即撥款到貸款人指定帳戶，不必再耗時等待資金。Have a property (the house must be owned by both you, or your blood relatives in just the next diploma, or you