Usual, why can't I mortgage this?

This is a general announcement and the products and services mentioned here may not be available in your area.
Dear User:
Binance will adjust the collateral ratio of some assets in the unified account at 14:00 (ET) on January 7, 2025. The specific adjustments are as follows. This update will be completed in about an hour.
assets
Mortgage rate (before adjustment)
Mortgage rate (adjusted)
THIS
45%
50%USUAL10%30%PLEDGES10%30%BIO10%20%Notice:The collateral ratio affects the maintenance margin ratio (uniMMR). Users should closely monitor the maintenance margin ratio of the unified account to avoid any potential liquidation or losses that may result from asset collateral ratio adjustments;