瞭解「二胎房貸」之前，請先瞭解「一胎房貸」。

瞭解「 二胎房貸 」之前，請先瞭解「 一胎房貸 」。

一胎房貸，是指你買了一棟房子，向銀行辦理購屋優惠貸款。銀行實地勘查，評估出你購買的房子可貸款價值，設定第一順位抵押權，然後借款給貸款人的一種擔保放款。

二胎房貸，是龐德隆不動產融資公司根據房子的評估價值，減去第一順位抵押權設定金額後，評估所剩餘的餘額，設定二順位抵押權，而貸款給房子所有權人的一種貸款。

因分別設定第一順位抵押權、第二順位抵押權，所以，民間就以「一胎房貸」、「二胎房貸」稱之。並且，這個順位是以後萬一房子被法拍，法拍出來的錢，就是以這個順位去做清還的動作。

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