代償高利降息：可配合代償當舖、地下錢莊的高利貸款，平轉降息或整合負債，減輕負擔。 申請房屋二胎通常可透過銀行或是民間申請，其中桃園房屋二胎和銀行二胎房貸差別在於貸款利率、貸款額度和申辦條件，可以根據以下的表格做為參考：雖然銀行的貸

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