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銀行對房貸的保守態度，不只是一胎，連二胎房貸&信貸也是！除了考慮房屋殘值外，還會考慮申請人的信用狀況等，讓申貸房貸或增貸都很困難，明明房屋還有價值空間，但是卻因為信用評分不足或其他原因婉拒房屋二胎申請！
目前市面上有推出二胎房貸(二順位房貸)產品的銀行更是屈指可數！
銀行二胎房貸的選擇和方式
目前市面上可申請的二胎房貸(二順位房屋貸款)的銀行不是很多，有房貸寬限期的更是幾乎沒有，有辦理二胎的銀行包括：
日盛銀行（家值房貸）
永豐銀行
遠東商銀
凱基銀行
台新銀行
兆豐銀行 (兆豐富二貸)
國泰銀行
王道銀行
台北富邦（無二胎）
二胎房貸是什麼？（二順位房貸）？二胎房貸又稱為二順位房貸， 就是當該房屋先前已向銀行進行第一次房屋貸款後，用原房屋再向另一家銀行，進行對該標的殘值的二次抵押借款，房屋抵押貸款設定出現第2順位債權人，即為二胎房貸。
|
銀行
|
日盛銀行
|
永豐銀行
|
|
對象
|
20-65歲
|
20-65歲
|
|
額度
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最高300萬
|
50萬
|
|
年利率
|
3.58%~12.99%
|
2.78%~5.42%(浮動)
|
|
開辦費
|
8000~15000元
|
5000~12000元
|
|
期限
|
最長10年
|
最長7年
|
|
限制
|
原房屋貸款須繳滿一年
|
銀行往來信用正常者
|
|
銀行
|
遠東銀行
|
凱基銀行
|
|
對象
|
20-65歲
|
20-60歲
|
|
額度
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25~300萬
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最高300萬
|
|
年利率
|
3%起
|
3%~5%(浮動)
|
|
開辦費
|
5000元
|
10000元
|
|
期限
|
最長7年
|
最長10年
|
|
限制
|
房屋已持有滿一年(需自住)並於金融機構有半年以上房貸繳款紀錄
|
房子持有二年以上且房貸已繳交一年以上，近一年無民間二胎或信託紀錄
|
|
銀行
|
台新
|
兆豐
|
|
對象
|
20-60歲
|
20-60歲，既有房貸戶(繳息三個月以上)
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|
額度
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最高300萬
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2.75%起
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|
年利率
|
3.5%~18%
|
2.75%起
|
|
開辦費
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3000~12000元
|
3000~15000元
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|
期限
|
最長10年
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2-10年，期限加借款人年紀不超過70歲
|
|
銀行
|
國泰
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王道
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|
對象
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20-64歲
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原房貸繳滿一年
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|
額度
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20~150萬
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最高350萬
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|
年利率
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2.5%~6%
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4.50%起
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|
開辦費
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貸款金額1%
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9000~15000元
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|
期限
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最長10年
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最長15年
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被銀行婉拒時，別灰心，改找有朝代書，額度高、速度快。
二胎房貸銀行利率&條件比較表
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銀行
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額度
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年利率
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年限
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開辦費
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|
日盛
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300萬
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3.58%~12.99%
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10年
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15000元
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遠東
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300萬
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6~12%
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7年
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5000元
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永豐
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50萬
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2.49%~ 4.69%
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7年
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12000元
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凱基
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300萬
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3.8%~ 5.69%
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10年
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10000元
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|
台新
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300萬
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3.5%~18%
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10年
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12000元
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|
兆豐
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200萬
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2.75%起(浮)
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10年
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3000元
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|
國泰
|
150萬
|
2.5%~6%
|
10年
|
15000元
|
|
王道
|
350萬
|
4.50%起
|
15年
|
15000元
|
有朝代書房貸部建議
1.上面的列表中，可看出目前有承作二胎房貸的銀行與條件，最低利率2.49%起與最長還款年限15年，最低手續費3000元…等，看起來相當誘人，但是過件率跟一胎房貸相差無幾，一樣很嚴格…看得到吃不到。
2.因為知道銀行的房貸審核嚴格，房貸部推出「有朝不動產二順位」，簡稱：代書二胎貸款、二胎房貸、二順位房貸、房屋二胎，優點整理如下：
(1)沒有銀行的嚴格審核
(2)額度比銀行更高(最高1000萬)
(3)還款年限最長7~10年
(4)沒有月薪22倍的限制
(5)不看工作收入證明
(6)不看負債比
(7)不看聯徵信用評分
3.銀行的利率低，但審核嚴格，尤其非常看重信用評分，信用好的人才有機會跟銀行辦到貸款，稍有瑕疵就是婉拒！當二胎申請不過時，通常申請「房屋增貸」或「轉增貸」也不會成功，其審核條件也會參考信用評分，一定要特別注意。
4.不管增貸或轉增貸被拒絕，一定要優先考慮「不影響聯徵中心信用評分」的貸款方式，才不會因為貸款借錢而讓財務更惡化！
5.有朝代書的二胎房貸，僅看房屋殘餘價值與房貸每月繳款紀錄是否正常，就算曾有信用不良紀錄、債務協商紀錄(須正常還款滿三年)、曾有民間私人設定紀錄…等，都能順利核貸且撥款，還款方式跟銀行一模一樣。
6. 最後提醒您，當選定了銀行就只跟同一家銀行接洽，不要同時詢問多家，會被銀行認定短期內密集借貸，不但借不到錢，還會在聯徵報告被註記，因此白白損失了寶貴的信用紀錄，是不智的選擇。
7. 如果銀行借不到錢，千萬不要直接找民間代辦(仲介)！請立刻來電或線上詢問，我們會給您最專業、最完整的理財評估及貸款建議。
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I’ve been diving into the world of online gaming lately, and I’ve gotta say — it’s pretty damn addictive. At first, I was a bit wary. I mean, how do you even rely on an online platform with your money, right? But after spending hours researching (and trying out a few dodgy sites so you won’t have to), I figured out a few things that set apart a trustworthy casino from a risky mess. First off, if you’re new to all this, here’s the golden rule: **licenses matter**. If a casino doesn’t have a proper legal status (like from the Malta Gaming Authority or the UK Gambling Commission), just run. No bonus is worth the trouble of never seeing your funds again. Also — and I know no one wants to — read the T&Cs. That’s the only way to know what kind of playthrough limits they’ve slapped onto those so-called “juicy” bonuses.
Now, let me share a site I’ve been hooked on these last few weeks. It’s been a breath of fresh air. The interface? Super clean. Payouts? Fast as hell. And the game selection? *Massive*. Slots, live dealers, blackjack, even some unique stuff I hadn’t tried before. Check it out here: casino mate mobile app What really stood out was the help desk. I had a tiny issue with a bonus not working, and they got back to me in like no time. Compare that to other sites where you’re just left hanging — yeah, hard pass.
Also, if you’re into bonuses (and who isn’t?), this place offers some juicy ones. But here’s the trick: don’t just chase bonuses. It’s smarter to stick to reasonable terms than a huge bonus you’ll never be able to withdraw. I’m not saying you should go and bet the farm — please don’t. But if you’ve got a little extra spending money and you’re looking for a chill way to spend an evening, online casinos can totally deliver. Just play smart, know your limits, and don’t treat it like a side hustle. It’s for fun, not for a paycheck. Anyway, just wanted to drop my experience here in case anyone’s curious or trying to find a decent place to play. If you’ve got your own stories or even some casino nightmares, I’m all ears — love talking shop about this stuff.
Good luck out there, and spin smart, win big ??
Hey everyone,
I’ve been checking out the world of virtual casinos lately, and I’ve gotta say — it’s pretty damn addictive. At first, I was a bit wary. I mean, how do you even believe in an online platform with your money, right? But after digging deep (and trying out a few dodgy sites so you don’t have to), I figured out a few things that separate a legit casino from a complete fraud. First off, if you’re new to all this, here’s the golden rule: **licenses matter**. If a casino doesn’t have a proper legal status (like from the Malta Gaming Authority or the UK Gambling Commission), just close that tab. No bonus is worth the risk of never seeing your funds again. Also — and I know no one wants to — read the T&Cs. That’s the only way to know what kind of playthrough limits they’ve slapped onto those so-called “juicy” bonuses.
Now, let me share a site I’ve been playing on these last few weeks. It’s been a game-changer. The interface? Super smooth. Payouts? Quick — like 24 hours quick. And the game selection? *Massive*. Slots, live dealers, blackjack, even some unique stuff I hadn’t tried before. Check it out here: fortune dragon What really won me over was the customer service. I had a tiny issue with a bonus not working, and they got back to me in like no time. Compare that to other sites where you’re just ghosted by support — yeah, not worth it.
Also, if you’re into bonuses (and who isn’t?), this place offers some awesome ones. But here’s the trick: don’t just go crazy over promos. It’s smarter to go for reasonable terms than a huge bonus you’ll never be able to withdraw. I’m not saying you should go and bet the farm — please don’t. But if you’ve got a little extra fun budget and you’re looking for a fun way to unwind, online casinos can totally deliver. Just stay sharp, set a budget, and don’t treat it like a side hustle. It’s for fun, not for a paycheck. Anyway, just wanted to drop my experience here in case anyone’s interested or trying to find a trustworthy place to play. If you’ve got your own go-to sites or even some casino nightmares, I’m all ears — love talking shop about this stuff.
Good luck out there, and may the odds be ever in your favor ??
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