Hire Purchase
租购

The Act applies to all hire purchase agreements relating to goods specified in the First Schedule – s. 1(2)
该法适用于与第一附表 - s. 中指定的货物有关的所有租购协议。 1（2）

All consumer goods
所有消费品

Motor vehicles
机动车辆

S. 2(1) define ‘consumer goods’ as goods purchased for personal, family or household purposes
S.2(1) 将“消费品”定义为为个人、家庭或家居目的购买的商品.

The Act would apply only to the hire purchase of the abovementioned goods.
该法仅适用于上述货物的分期付款。

s. 2 – A ‘hire purchase agreement’ includes a letting of goods with an option to purchase, and an agreement for the purchase of goods by instalments.
s。 2 – “分期付款协议”包括带有购买选择权的货物出租，以及分期购买货物的协议。

In every hire purchase agreement, the hirer cannot sell the goods under hire.
在每份租购协议中，租用人不得出售租用的货物。

The property in the goods does not pass at the time of the agreement or at any time before delivery.
货物的所有权不会在协议签订时或交付前的任何时间转移。

### **Formation of a Hire Purchase Agreement**
### **签订租购协议**

1. **Key Requirements (Section 4A-4B)**:
1. **关键要求（第 4A-4 B 节）* *：

- A hire-purchase (HP) agreement **must be in writing** and **printed in black ink** (s. 4A(1)).
- 租购 (HP) 协议**必须采用书面形式**并**用黑色墨水打印**（第 4 A( 1) 条）。

- It must be in either **national language or English** (s. 4A(1A)).
- 必须采用**国家语言或英语**（第 4A(1A) 条）。

- The agreement must be **signed by all parties** involved (s. 4B(1)) and **completed before the hirer signs** (s. 4B(2)).
- 该协议必须**由相关各方**签署（第 4 B( 1) 条），并**在租用人签署之前完成**（第 4B(2) 条）。

2. **Specific Goods and Motor Vehicles (Section 4D-4G)**:
2. **特定货物和机动车辆（第 4D-4 G 节）* *：

- Each item purchased must have a **separate HP agreement** (s. 4D).
- 购买的每件商品都必须有 **单独的 HP 协议**（第 4D 条）。

- For motor vehicles, the hirer can request to **keep the registration certificate** (s. 4E).
- 对于机动车辆，租车人可以要求**保留登记证书**（第 4E 条）。

- If the vehicle is **second-hand**, any defects must be disclosed by the owner, based on an **inspection report** (s. 4G).
- 如果车辆是**二手**，车主必须根据**检查报告**（第 4G 条）披露任何缺陷。

3. **Alterations and Copies (Sections 5, 39)**:
3. **更改和副本（第 5、39 条）* *：

- **Alterations** to the agreement are only valid if signed by the hirer (s. 39).
- **协议的变更**仅在由租用人签署后才有效（第 39 条）。

- The owner must serve a **copy of the HP agreement** to the hirer and guarantors within 21 days of execution (s. 5(1)).
- 业主必须在签署后 21 天内向租用者和担保人提供 **HP 协议副本**（第 5(1) 条）。

### **Case Laws:**
### **判例法：* *

- **Kesang Leasing Sdn Bhd v Mohd Yusof bin Ismail & Anor (1990)**:
- **Kesang Leasing Sdn Bhd v Mohd Yusof bin Ismail & Anor ( 1990)* *:

- The HPA does not exclude agreements for goods not listed in the First Schedule if both parties agree for it to apply.
- 如果双方同意适用，则 HPA 不排除未在附表一中列出的商品的协议。

- **MBf Finance Bhd v. Ting Kah Kuong (1993)**:
- ** MBf Finance Bhd诉 Ting Kah Kuong ( 1993)* *:

- A forklift is not a motor vehicle under the HPA, and thus, not subject to the Act.
- 叉车不是 HPA 规定的机动车辆，因此不受该法案的约束。