軍公教負債比高，申請房屋增貸也過不了
陳先生已經從事警察工作十年了，因為是公務人員，每年都會調薪，也因為生活穩定，早在五年前就買了房子，這幾年陸續面臨到孩子出生、添購家具、買新車等等狀況，除了房貸外又背了信貸、車貸，信用卡也有小額循環，就算月入十萬也沒有過得多好。
這樣撐了一兩年，每個月負擔實在太大，讓陳先生興起了整合負債的念頭，只不過詢問了銀行都說他負債比太高，畢竟整合負債的貸款也是信貸的一種，想要房屋增貸也過不了，因為寬限期剛過才剛還本金而已。
不放棄四處找，終於找到123貸
後來陳先生看到123貸的網站，才知道有二胎房貸可以選擇，來電詢問後，我們根據陳先生提供的資料評估，雖然房子貸款成數近8成，信貸和車貸餘額也高，但房子還有價值空間，可以多貸出150萬的金額，把信貸、車貸和信用卡循環都整合掉，這樣負債比就可以降下來了。
利率和額度都符合陳先生的預期，而且這筆資金大大降低他的負擔，原來二胎房貸一點也不可怕，反而是幫助理財的好東西。
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