银行直供房批量入市、有房源低于市场成交价21%，一个比法拍房更靠谱的捡漏机会？

Core Viewpoint - Banks are increasingly engaging in direct sales of real estate, particularly focusing on disposing of non-performing assets through judicial auction platforms like JD and Alibaba, with participation from various banks including state-owned and local banks [3][5]. Group 1: Market Dynamics - The scale of bank direct sales has surged, especially among smaller banks and rural commercial banks, as they shift focus from B2B to B2C sales strategies [5][6]. - The judicial auction market has seen a low clearance rate of 28.5% for auctioned properties, prompting banks to explore direct sales to consumers [5][6]. Group 2: Asset Pricing - Bank direct sale properties are generally priced 15%-25% lower than the market value, providing potential "bargain" opportunities for buyers [7][8]. - For example, a property sold by Postal Savings Bank in Hefei was purchased for 1.158 million yuan, significantly below the average market price of similar properties in the area [7][8]. Group 3: Risk and Considerations - While bank direct sales reduce risks associated with traditional auction properties, buyers are advised to conduct thorough due diligence on property status and ownership before purchase [6][8]. - The entry of bank direct sales into the market may necessitate regulatory oversight to prevent unnecessary price declines and ensure market stability [8].