在工商產業快速成長與土地集約利用下，集合住宅已成為都會地區主要之住宅型態。集合住宅是一種區分所有建築物，辦理重建或修繕必須要經過多數共有人且其持有產權亦為多數同意才可行。程序非常繁瑣且費時。若未事先作好準備，一旦發生災難導致集合住宅毀損需要重建，受災者勢必面對嚴峻之挑戰。本文以921災後之集合住宅重建為課題，依序說明之更新重建政策之形成背景，非政府組織如何建構自力更新重建協力平臺，並探討其中之關鍵－融資撥貸機制。災後集合住宅之重建資料，除可驗證協力平台確有其功效外，921災後自力更新重建所累積之經驗也值得加以檢討改進，並運用於平時之自力更新及未來可能之都會型災難重建。

Due to the intensive land usage as the rapid growth of industry and commerce, congregate housing has become a major residential pattern in urban areas. Congregate housing is a condominium building that is partitioned by several persons. The repairment and reconstruction of the housing must be approved by the majority of the owners. Therefore when nature disasters arrive and cause severe damage on the housings, the residences face serious challenges and have to go through a series of complex, time-consuming procedures in order to get their housings repaired and reconstructed. With the emphasis on the lessons learned from the post-disaster reconstruction of the 921 earthquake, this article first introduces the background information about the urban renewal recstruction policy. It then describes how the non-governmental organization (NGO) developed a platform for self-reliant reconstruction. The loan financing system － the major mechanism that catalyzed the success of the self-reliant reconstruction － is explained. Finally, this problem-solving experiences and housing reconstruction information accumulated from the post-disaster reconstruction are not only worth of history references for the renewal operations of self-reliant communities in normal time, but also able to be used to cope with other housing operations in future post-disaster reconstructions.