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。He also blamed the disaster on failures of ethical theology in that era, in addition to church regulations tha