Hire Purchase Agreement的中文意思为“租购合约、分期付款购买协议（合同）、分期付款租购协议（合同）”,租购是一种信贷购物的形式，买方可以用分期付款的方式先取得货品，待付清货款后便可正式拥有货品。有些货品比较昂贵，例如家具、汽车等，卖方通常容许买方以租购方式购买。一般租购的运作形式，是由卖方替买方安排财务机构先购买该货品，然后财务机构与买方签订租购合约，在租购合约，会列明买方须在指定期内，定时分期付清货款。在供款期内，买方只是租用货品，待租约期满后，买方有权根据租购合约上订明的售价选择是否购买该货品。当买方选择购买并付清货款后，便得到货品的拥有权。

租购合约内一般列明买方已付的首期丶每期供款额和应供期数。有些货品可以免息分期，有些则须支付利息。如果租购的货品是作商业用途,其利息支出可获税务扣减。如果买方要提早终止租购合约，买方必须退回货品，并根据租购合约列明的手续办理。

为了更好的理解该词，以下是该词的英文释义：Hire purchase is an agreement whereby a person hires goods for a period of time by paying instalments, and can own the goods at the end of the agreement if all instalments are paid. Hire purchase agreements usually last between 2 and 5 years, the most common last 3 years. Under a hire purchase agreement, the consumer does not actually own the goods until the last instalment is paid, although they have full use of the goods throughout the repayment period.

双语例句:

(1) The interest of a vendor or lessor under any conditional sale agreement, lease, hire purchase agreement or other title retention arrangement other than an interest in a lease or hire purchase agreement which arose in the ordinary course of business;

卖方或出租人在任何附条件的销售协议、租赁、租赁购买协议或其他所有权保留安排下的权益，不包括正常营业过程中产生的租赁或租赁购买协议中的权益；

(2) Ship exports in general to take orders for the construction, hire purchase, a large number of long-term orders and fewer deposit to recover the balance due to the enterprise potential problems. 船舶出口一般采取订单建造、分期付款，大量的长期订单和较少的定金给企业收回尾款埋下了隐患。