桃園代書二胎的是在已經有房屋貸款（即第一胎貸款）的情況下，使用該房屋作為擔保，再向民間申請的第二筆貸款。也被稱成苗栗房屋二胎或是苗栗二胎貸款，屬於民間二胎貸款。 房屋借款有哪幾種方式?三種房屋貸款方式：房屋轉貸和房屋增貸與房屋二胎�

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