Di Yi Cai Jing·2025-11-09 12:37Core Insights - Banks are accelerating direct property sales to enhance debt recovery rates, particularly during the real estate market adjustment period [1][8] - The properties being sold directly by banks primarily originate from the disposal of non-performing loans [3][8] - The trend of "bank direct supply housing" is gaining traction, with multiple banks listing thousands of properties for sale [2][3] Group 1: Market Dynamics - Recent transactions show properties valued at approximately 2 million yuan being sold for as low as 1.5 million yuan, indicating significant discounts [1] - Major banks, including Agricultural Bank, Construction Bank, and Transportation Bank, are actively engaging in direct property sales through online platforms [2] - The scale of property listings is particularly notable among local city commercial banks and rural credit cooperatives, with some banks listing over 2,000 properties [3] Group 2: Sales Strategy - Banks are adopting a pricing strategy that often results in properties being sold below market value to expedite asset liquidation [5] - Properties are typically sold at prices lower than those of second-hand homes, with some properties experiencing multiple price reductions after failed auctions [5] - In addition to direct sales, some banks are exploring leasing options to activate assets, with clear property rights reducing transaction risks [6] Group 3: Underlying Factors - The acceleration in direct property sales is driven by the need to improve debt recovery rates, as traditional methods can take over two years [8] - The cooling of the judicial auction market has prompted banks to shift towards direct property disposal, as evidenced by declining auction success rates [9] - The overall increase in non-performing loans, particularly in personal business loans, is influencing banks to adopt a dual strategy of traditional and direct sales [8][9]