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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： 職業類別：軍公教人員、四師（醫師、律師、會計師、建築師）、上市櫃公司職員等較受

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