It seems like you were misusing this characteristic by heading much too fast. You’ve been temporarily blocked from making use of it. 房貸利率申請條件，除了申請人的信用評等以外還包含不動產鑑價。信用評等是關於個人信用、工作收入、負債比延遲繳款等；不動產鑑價則涉及房地的區位條件、市價坪定、屋況等，若屬小宅、位處都市計畫區、周圍有嫌惡設施等，就未必能拿到較好的貸款條件。 Bran hinted at this... https://marco4xbde.wikiadvocate.com/6538747/台北房屋二胎貸款_fundamentals_explained