<html><body><p style="line-height:1.656;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;">買房是人生中一筆重大的投資，特別是選擇預售屋時，從簽約到交屋往往需要等待好幾年，期間的不確定性，讓許多購屋者感到不安。</span></span></p><p style="line-height:1.656;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;">為了守護購屋族的權益，政府規定從 2011 年 5 月 1 日起，所有預售屋買賣契約中，都必須納入「履約保證」機制——這是一種讓第三方機構（如銀行、保險公司、公會等）介入保障的制度，確保建商依法履行承諾，也讓買方的每一筆付款都有制度把關。</span></span></p><h3><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>什麼是預售屋履約保證？</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;">簡單來說，履約保證就是請專業第三方機構（像是銀行或信託公司）幫你「暫時保管」買房的款項，確認房子有照進度蓋、產權沒問題後，才會把錢撥給建商。</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;">就像在網購時，平台不會立刻把錢交給賣家，而是等消費者確認收到商品後才放款。這樣的設計，不僅讓買方付款後能更安心，也讓賣方履約有明確約束。</span></span></p><h3><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>預售屋履約保證的5大保障功能解析</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:#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>保障預付款安全</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;">：買方支付的工程款或訂金會交由第三方監管，僅在達到約定工程進度才撥付給建商。</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>降低建商倒閉風險</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;">：若建商發生財務危機，保證機構會協助履約或理賠。</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>杜絕工程延誤爛尾</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;">：第三方監控工程進度，避免工程款遭到不當挪用。</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>確保合約條款落實</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;">：履約保證涵蓋交屋、移轉等重要節點，保障買方最終權益。</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"><p><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>提升交易信心</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;">：有保障機制讓買家更有信心進場購屋。</span></span></p><p> </p></li></ul><figure class="image"><img style="aspect-ratio:5940/4243;" src="https://r-tube.s3.ap-northeast-1.amazonaws.com/editor/48e7e388-5074-4724-bc66-b6877966d846.jpg" alt="預售屋五大履約保證方式差異" width="5940" height="4243"></figure><h2 style="line-height:1.38;margin-bottom:6pt;margin-top:14pt;" 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>預售屋五大履約保證方式差異</strong></span></span></h2><h4 style="line-height:1.38;margin-bottom:2pt;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> </strong></span><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong> 1. 價金返還保證</strong></span></span></h4><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>運作方式</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;">：建商必須等房子交屋、完成過戶後，才能領到你的款項。</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>優點</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;">：幾乎零風險，有狀況也能全額退費。</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>缺點</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;">：建商資金壓力大，較少建案採用。</span></span><br> </li></ul><h3 style="line-height:1.38;margin-bottom:2pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong> 2. 價金信託</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:#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>運作方式</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;">：銀行設立專戶，依照工程進度分批撥款。</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>優點</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;">：資金用途有控管，買方可查詢進度與撥款情形。</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>缺點</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;">：需確認信託契約內容是否有落實控管細節。</span></span><br> </li></ul><h3 style="line-height:1.38;margin-bottom:2pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>3. 不動產開發信託</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:#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>運作方式</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;">：買方房款 + 建商土地、工程款等，一起放進信託帳戶管理。</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>優點</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;">：整體財務透明，建商提領資金有明確規範。</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>缺點</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;">：部分費用用途寬鬆，保障程度略低於價金返還。</span></span><br> </li></ul><h3 style="line-height:1.38;margin-bottom:2pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong> 4. 同業連帶擔保</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:#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>運作方式</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;">：建商請另一家建商當保證人，一旦出事由其續建。</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>風險提醒</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;">：常見關係企業互保、擔保力道不足，實際保障效果不一。</span></span><br> </li></ul><h3 style="line-height:1.38;margin-bottom:2pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong> 5. 建築公會協定擔保</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:#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>運作方式</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;">：公會內的建商若倒閉，其他會員須協助完工。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:11pt;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>風險提醒</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;">：沒有資金信託，建商仍可自由動用款項，實務爭議多。</span></span><br> </li></ul><h3 style="line-height:1.38;margin-bottom:4pt;margin-top:14pt;" 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>五種履約保證比較懶人包</strong></span></span></h3><div style="margin-left:0pt;" dir="ltr" align="left"><table class="table content-table ck-table-resized" style="border-collapse:collapse;width:78.3%;"><colgroup><col style="width:25.57%;" width="143"><col style="width:21.2%;" width="111"><col style="width:33.08%;" width="116"><col style="width:20.15%;" width="77"></colgroup><tbody><tr style="height:28pt;"><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;text-align:center;" 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;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>保證類型</strong></span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;text-align:center;" 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;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>是否專戶控管</strong></span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;text-align:center;" 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;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>出事可否退費</strong></span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;text-align:center;" 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;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>採用比例</strong></span></span></p></td></tr><tr style="height:28pt;"><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">價金返還</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">是</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">幾乎全退</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">少數使用</span></span></p></td></tr><tr style="height:28pt;"><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">價金信託</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">是</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">依契約條件</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">最常見</span></span></p></td></tr><tr style="height:28pt;"><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">不動產開發信託</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">是</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">依契約條件</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">普遍採用</span></span></p></td></tr><tr style="height:28pt;"><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">同業連帶擔保</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">否</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">須保人處理</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">偶見</span></span></p></td></tr><tr style="height:28pt;"><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">公會辦理連帶協定</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">否</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">須會員接手</span></span></p></td><td style="overflow-wrap:break-word;overflow:hidden;padding:5pt;text-align:center;"><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;">鮮少使用</span></span></p></td></tr></tbody></table></div><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;">選擇預售屋時，建議優先考慮「<strong>價金返還</strong>」、「<strong>價金信託</strong>」等資金專戶、保障層級高的保證機制，可大幅降低金流與建案風險。而成屋與預售屋履約擔保內容不盡相同，詳細說明可參考這篇文章：《</span></span><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><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;">》</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"> </p><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;">在買下人生中第一間房之前，不妨多花一些時間了解履約保證的內容與機制，確保這筆交易不只是憑感覺，而是用制度與專業，把風險降到最低。因為真正穩固的家，不只是結構安全，更是從合約開始就被好好守護。</span></span></p><p> </p><p> </p><p style="line-height:1.2;margin-bottom:12pt;margin-top:12pt;" dir="ltr">-</p><p style="-qt-block-indent:0;margin-bottom:0px;margin-left:0px;margin-right:0px;margin-top:0px;text-indent:0px;"><span style="background-color:#F5E6D1;">R.TUBE <strong>生活圈</strong></span> 上線，提供全新 <span style="background-color:#F5E6D1;"><strong>生活圈資訊</strong></span></p><p style="-qt-block-indent:0;margin-bottom:0px;margin-left:0px;margin-right:0px;margin-top:0px;text-indent:0px;">包含生活機能、優質物件、學區評價、環境圖集、生活情報</p><p 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