网络平台现2.4万套“银行直供房”？这类房源能买吗？记者调查→

Core Viewpoint - The recent buzz around "bank direct supply housing" in Sichuan, particularly the claim of 24,000 available units, has been scrutinized and found to be exaggerated, with actual listings being significantly lower [1][2]. Group 1: Actual Listings and Data Verification - A search on the Alibaba asset platform revealed only 11 residential properties currently up for auction in Sichuan, contradicting the 24,000 units claim [3]. - Further investigation on the Alibaba asset website showed 26 properties set to be auctioned, with no current listings, while the JD asset trading platform listed only 48 properties in Sichuan, indicating a significant discrepancy from the reported figures [7]. - The discrepancy in data is attributed to previous media reports that included outdated or canceled auction listings, leading to inflated numbers. The actual number of properties available for auction is around 500, with only about 5,900 properties entering the auction process in 2024 [7]. Group 2: Auction Performance and Market Dynamics - The Sichuan agricultural credit system has auctioned 11,200 properties in total for 2024, with only about 1,000 sales completed, resulting in a transaction rate of less than 10% [8]. - The average premium rate for sold properties is approximately 1.7%, indicating that there is no significant "fire sale" phenomenon, and the starting prices do not align with market expectations [8]. - The majority of the properties being auctioned are commercial, with 92% being commercial properties and less than 10% being residential [8]. Group 3: Reasons for Bank Property Sales - The properties being sold by banks are primarily acquired through the resolution of non-performing loans, including homes repossessed from individuals who defaulted on mortgages and properties from bankrupt developers [9]. - The process of acquiring these properties is systematic, involving judicial auctions before they are transferred to the bank's ownership as "debt assets" [9]. - Selling properties through online platforms is a standard practice for banks to recover funds and manage non-performing assets, rather than a new initiative to enter the real estate market [9]. Group 4: Buyer Considerations - Properties sold by banks are generally priced lower than surrounding market rates, providing potential opportunities for buyers, but caution is advised [10]. - Buyers should conduct thorough due diligence, including verifying property titles, inspecting the physical condition of the property, and understanding any associated transaction costs [10]. - The increase in auctioned properties does not necessarily indicate a broader risk in the mortgage market, as most auctioned properties are linked to corporate debts rather than individual mortgage defaults [10].