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申請二胎房貸的屋主最常問的一個問題就是：「我到底可以借多少？」這個問題沒有固定答案，因為貸款額度受到多項因素影響，包括房屋價值、現有房貸餘額、個人信用與收入狀況等。透過 ibank.tw，你可以快速預估可貸金額，並獲得最貼近實際條件的建議方案。本文將帶你深入了解影響二胎房貸額度的主要條件，以及如何讓自己「借得更多」。 🧮 二胎房貸額度怎麼算？ 在台灣，多數銀行或金融機構會根據下列公式來估算你的可貸額度： 可貸金額 ≈ 房屋市值 × 最高手貸成數 − 第一胎房貸餘額 例如： 那麼你的 可貸額度約為：1,050 萬 − 800 萬 = 250 萬 實際額度會根據銀行風險控管、個人財務狀況等略作調整。 ✅ 影響貸款額度的五大關鍵 1. 房屋市值（而非買入價格） 銀行評估的是房屋當前的市場價值，而不是你當初的購買價格。如果你的房屋增值，二胎可貸額度自然提高。 […]