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。 Failure to take action “expeditiously�?�?an exact timeframe will not be specified �?could lead to providers needing to shell out a significant fine of up to ten% in their once-a-year profit, and staff impriso