產權完整：若貸款人名下不動產僅持分，須取得其他所有權人同意，否則難以申請。 桃園二胎貸款包含「桃園房屋二胎」與「桃園土地二胎」，指拿名下已經貸款過的房屋或土地再次向另一家銀行或民間機構抵押借款，這時不動產須經過第二順位抵押權設定，

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