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身份證、收入證明、在職證明、戶籍謄本、土地建物謄本、房貸最近一年繳款明細。 由於銀行申請二胎房貸會參酌信用紀錄、負債比、繳款紀錄等，本來已有債務在身的民眾通常難以順利審核通過，因此民間二胎申請是比較優良的選擇。 二胎房貸是什麼？�