建商倒閉怎麼辦?購屋族必讀自救與預防指南:6大應對步驟與法律求償懶人包

<html><body><p style="line-height:1.38;margin-bottom:4pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">2025 年 6 月,花蓮、嘉義、桃園建商接連爆危機,許多新聞預測中小建商在 2025 下半年可能會爆發倒閉潮。建商倒閉會讓購屋族陷入「房子沒蓋好、錢卻已經付出去」的困境、面臨房地產糾紛與權益受損的購屋風險。面對這樣的突發狀況,我們該怎麼辦?</span></span></p><p> </p><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">這篇文章將帶你釐清建商倒閉的原因與可能衝擊,並一步步教你如何自救、蒐證、應對與預防,幫助每一位購屋人,在不確定的市場中更有底氣地保護自己。</span></span></p><p> </p><h2 style="line-height:1.38;margin-bottom:6pt;margin-top:18pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>建商倒閉的原因</strong></span></span></h2><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">一、融資困難與資金斷鏈</span></span></h3><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">房地產開發是高度資金密集的行業,當銀行對建商放款條件趨嚴、購地貸款成數降低,建商必須自備更多資金應付土地與工程成本。而在市場資金緊縮的背景下,中小型建商常面臨資金無法如期到位的問題,進而影響整體建案推進,陷入資金斷鏈。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">二、銷售去化困難</span></span></h3><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">近年部分地區預售案大量推出,市場供過於求,加上房市買氣轉弱、投資客退場,導致建案銷售速度放慢,資金回流不足,讓建商營運壓力雪上加霜。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">三、政策與法規限制</span></span></h3><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">限貸令、選擇性信用管制、豪宅稅等政策,雖然抑制投機,但也同時壓縮了建商的操作空間與融資彈性。加上利率上升、資金成本提高,對原本資金流緊張的建商來說無疑是一記重拳。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">四、營建成本高漲與缺工</span></span></h3><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">原物料價格不斷上漲,加上建築業缺工嚴重,不僅抬高工程成本,也導致施工進度延宕,進一步影響交屋時程與客戶信任。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">五、產權或法律糾紛</span></span></h3><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若建案本身涉及產權爭議、地主未解決協議,或因規劃不當違法使用土地用途等問題,容易被主管機關勒令停工,也可能造成資金卡關與信用危機。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">六、管理或經營失誤</span></span></h3><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">有些建商為了快速擴張,過度舉債、操作槓桿,甚至挪用資金至其他案場,導致資金調度混亂。一旦銷售未如預期,倒閉風險大增。</span></span></p><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"> </p><figure class="image"><img style="aspect-ratio:5376/3584;" src="https://r-tube.s3.ap-northeast-1.amazonaws.com/editor/8e7753d2-be03-4425-95a7-87039cd92b75.jpg" alt="建商倒閉對市場與消費者的衝擊" width="5376" height="3584"></figure><h2 style="line-height:1.38;margin-bottom:6pt;margin-top:18pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>建商倒閉對市場與消費者的衝擊</strong></span></span></h2><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">一、消費者權益受損</span></span></h3><p><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">預售屋買家最直接的風險是「屋錢兩失」。若建商倒閉,購屋款尚未轉換成產權,可能求償無門。而對於尚未完成過戶的成屋買家,也存在無法取得產權的風險。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">二、爛尾樓問題擴大</span></span></h3><p><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">一旦建案停工未完工,會造成社區未來管理困難、居住品質下降,甚至可能因長期閒置影響區域市容與治安。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">三、房地產市場信心動搖</span></span></h3><p><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">建商倒閉事件多了,民眾對預售制度產生不信任,進而轉向成屋市場,影響預售市場的健康發展,也可能導致整體市場買氣下降。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">四、金融體系風險升高</span></span></h3><p><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">建商倒閉意味著銀行放款可能成為呆帳,若涉及大型建商或連鎖案場,恐引發金融機構資產品質惡化,甚至引起法拍潮。</span></span></p><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#434343;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">五、社會與經濟連鎖反應</span></span></h3><p><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">建案停擺不僅牽動購屋者,也波及營造業、建材業與就業市場,間接拉低地方經濟動能,形成長尾效應。</span></span></p><p> </p><h2 style="line-height:1.38;margin-bottom:4pt;margin-top:18pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>遇到建商倒閉,購屋族的六大自救步驟</strong></span></span></h2><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">即便面臨最壞的情況,也不是毫無退路。以下六個步驟,是在風暴中保障自身權益的重要行動指南:</span></span></p><ol style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="-webkit-text-decoration-skip:none;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;"><strong>蒐集完整購屋文件:</strong></span></span><br><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">包括購屋合約、付款證明(匯款單、發票)、與建商對話記錄(如LINE、Email、通話紀錄)等,這些都是後續申請調解、法律程序的重要證據。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="-webkit-text-decoration-skip:none;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;"><strong>申請調解或消費者申訴:</strong></span></span><br><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若建商尚有聯絡管道,可向所在地公所或法院調解委員會申請調解,透過第三方協助達成和解協議;或向消費者保護官提出申訴,啟動行政協調程序,降低訴訟成本。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="-webkit-text-decoration-skip:none;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;"><strong>組成或加入自救會:</strong></span></span><br><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">單打獨鬥不如團體協力。集結其他受害購屋族,透過團體力量向建商或相關單位施壓,並共同聘請律師進行團體訴訟,提高求償成功率。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="-webkit-text-decoration-skip:none;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;"><strong>確認是否有履約保證或續建機制:</strong></span></span><br><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若購屋合約有設定履約保證(如銀行信託、保險保證),可立即聯繫該機構申請啟動退費或續建,這是目前最有效保障消費者的制度設計。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="-webkit-text-decoration-skip:none;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;"><strong>尋求法律協助:</strong></span></span><br><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">諮詢專業律師,評估是否提起訴訟或申報債權,並依法律程序主張消費者權益,必要時申請法院假扣押防止產權移轉。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><p><span style="background-color:transparent;color:#000000;"><span style="-webkit-text-decoration-skip:none;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;"><strong>聯繫政府相關單位:</strong></span></span><br><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">包括消費者保護官、地政事務所、內政部不動產資訊平台等,尋求行政協助與資訊支持。</span></span></p><p> </p></li></ol><p style="line-height:1.38;margin-bottom:0pt;margin-left:3pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">這些自救步驟能幫助購屋族在建商倒閉後,盡可能挽回損失,降低購屋風險,保障消費者權益。最重要的是,購屋前務必審慎挑選有信譽的建商,並確認合約中有完善的履約保證機制,才能從源頭避免重大損失。</span></span></p><p> </p><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:17pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>消費者保護法如何保障購屋權益?</strong></span></span></h2><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">面對建商倒閉,消費者不是孤軍作戰。《消費者保護法》規定,預售屋屬於重大消費行為,買方具備特定保障資格。若因建商違約、停工或無法履約導致消費者權益受損,買方可透過以下管道主張權益:</span></span></p><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>向「消費者服務中心」或「地方消保官」申訴</strong></span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>提出調解申請,要求建商或其代表負起責任</strong></span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>必要時可循民事訴訟程序求償,請求損害賠償</strong></span></span><br> </li></ul><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">雖然法律途徑耗時,但至少給予購屋族一條正式的救濟路線。特別是在有</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>群體訴訟</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">或自救會組織下,常能提高談判籌碼與補償機會。</span></span></p><p> </p><figure class="image"><img style="aspect-ratio:5740/3229;" src="https://r-tube.s3.ap-northeast-1.amazonaws.com/editor/26dc55ef-0a46-46f4-9f22-142c12ae6409.jpg" alt="如何挑建商" width="5740" height="3229"></figure><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:17pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>如何挑對建商?</strong></span></span></h2><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:11pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">買房不只是一筆交易,更是人生的重要決定。選對建商,等於替自己的生活多添加一層保障。以下幾個面向,是你在評估建商時不能忽略的細節:</span></span></p><p> </p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>一、財務狀況與資本額</strong></span></span></h3><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">先從公開資訊觀測站或經濟部商業司查詢建商財報與資本額。若出現連年虧損、負債比過高或資本額異常縮減,都是潛在風險訊號。</span></span></p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>二、完工履歷</strong></span></span></h3><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">觀察建商近年交屋的紀錄是否準時、品質是否穩定,能從過去看出未來。網路論壇與鄰近社區評價,也能提供第一手的實住經驗參考。</span></span></p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>三、法律糾紛紀錄</strong></span></span></h3><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">透過司法院系統,查詢建商是否涉入多起債務糾紛或交屋爭議。</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>若案件頻繁,應特別提高警覺。</strong></span></span></p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>四、履約保證機制</strong></span></span></h3><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">是否由銀行、保險公司或信託機構提供履約保證,是衡量建商風險的重要依據。這也是萬一建商倒閉時,買方能否申請續建或退費的關鍵。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">延伸閱讀:</span></span><br><a href="https://www.rtube.com.tw/articles/282" rel="ugc"><span style="background-color:transparent;color:#379489;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">成屋履約保證是什麼? 6 步驟帶你安全完成產權交付</span></span></a><br><a href="https://www.rtube.com.tw/articles/288" rel="ugc"><span style="color:#379489;">預售屋履約保證是什麼?5 種保障機制一次看懂</span></a><br><br><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>貼心提醒</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">:一間誠信經營的建商,通常也願意提供清楚透明的資訊,若資訊難以取得,建議三思再決定。</span></span></p><p> </p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:17pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">如何查詢建商財務狀況?</span></span></h3><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">買房就像選隊友,選對建商,更能降低購屋風險及提升物件品質。事前調查建商財務體質,是降低倒閉風險的基本功。以下三大查詢管道,是每位購屋族都該學會使用的資訊寶庫:</span></span></p><h3><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>一、公開資訊觀測站(適用於上市櫃建商</strong></span><span style="font-family:Arial,sans-serif;font-size:11pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>)</strong></span></span></h3><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">可查詢公司財報、負債比率、營收、資本額異動等資料。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">留意是否出現</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>連續虧損、資本額大幅縮減、重大訊息未公開</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">等異常狀況。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">透過報表與法人說明會紀錄,了解公司營運是否穩定。</span></span></li></ul><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>二、經濟部商業司公司登記查詢(適用於所有建商)</strong></span></span></h3><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">適合查詢中小型建商的登記狀態、資本額、公司是否仍有效。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若看到「公司狀態為解散/清算」、「短期內頻繁更換負責人」、「資本額忽高忽低」,應提高警覺。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">建議比對過往建案紀錄,看是否有多案同時推案但進度緩慢的情形。</span></span></li></ul><h3 style="line-height:1.38;margin-bottom:3pt;margin-top:16pt;" dir="ltr"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>三、法院公告系統</strong></span></span></h3><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">可查閱是否有建商遭查封、強制執行、債務糾紛等法律案件紀錄。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#1B1D20;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若發現短期內有多筆拍賣、查封資訊,表示建商財務可能出現連鎖風險。</span></span></li></ul><p> </p><p style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">查詢建商財務的實用建議</span></span></p><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>交叉比對三大管道資訊</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">,提高資料正確性與解讀準確度。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>持續追蹤建商新聞與房市社群</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">,即時掌握市場傳聞與潛在危機。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>諮詢專業代書、律師或不動產顧問</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">,特別是面對資金結構複雜的建案時,更需專業協助判斷風險。</span></span></li></ul><p> </p><p> </p><figure class="image"><img style="aspect-ratio:3620/2896;" src="https://r-tube.s3.ap-northeast-1.amazonaws.com/editor/a0aac724-d18a-4299-87ca-b65ec5e2a398.jpg" alt="買房合約怎麼看" width="3620" height="2896"></figure><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:17pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>買房時,合約怎麼看?哪些條款不能少?</strong></span></span></h2><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">即使挑對了建商,一份完整、保護買方權益的購屋合約,仍是不可或缺的基本保障。建議在簽約前,逐條確認以下幾項關鍵條款是否完善寫入契約:</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>履約保證方式</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">:要明確載明由哪一單位保證、保證期間與保障範圍。這是風險發生時,買方能否有退場機會的重要依據。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>交屋期限</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">:是否有明確的交屋時間表,以及延遲交屋時的違約金條款。這會影響到你是否能如期入住。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>續建條款</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">:萬一建商停工或倒閉,是否已有事先安排能由其他單位接手續建,是避免變成「爛尾樓」的防火牆。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>違約與退費機制</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">:契約中應清楚列出如遇糾紛時,買方的解約權、退費時程與建商的違約責任。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-right:30pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>專業建議</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">:若對契約內容有任何疑問,別怕多問,也可攜契約書至</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>消保官、法扶基金會</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">或律師事務所諮詢,確保你的權益在紙本上就站穩腳步。</span></span></p><p> </p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">選房子,是選生活;選建商,是選信任。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">當你願意多花一點時間確認資訊、讀懂契約,等於為未來的自己鋪一條更穩妥的路。而我們希望,這條路能通往一個讓你安心住下來的家。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"> </p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">-</span></span></p><div style="-webkit-text-stroke-width:0px;background-color:rgb(255, 255, 255);color:rgb(33, 42, 52);font-family:Roboto, Arial, 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