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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：民間貸款機構對保簽約都需要經過正規的流程，包括諮詢、瞭解客戶需求、評估審核、對保簽�
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