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銀行與民間二胎貸款管道與方案有許多差異，部分銀行可承作二胎房貸，但絕大多數都不受理土地二胎申請，而民間二胎貸款則是房屋、土地均可申請，以下為兩者比較：申辦新竹民間房屋貸款的借款人，通常是被銀行拒絕的，例如沒有收入證明、負債比過高、個�
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