从放贷到“坐庄”！银行也下场卖房了

Core Viewpoint - Banks have transitioned from merely providing loans for home purchases to directly selling properties, becoming significant players in the real estate market [1][2]. Group 1: Bank's Role in Real Estate - Banks are now handling a large number of properties, acting as "dealers" rather than just financial intermediaries [1]. - The emergence of "bank direct supply houses" allows banks to sell properties they have repossessed due to defaults, offering lower prices without intermediary fees [2]. - Currently, small and medium-sized banks are the primary sellers of these properties, while larger banks remain cautious [2]. Group 2: Market Dynamics - The properties sold by banks are often priced lower than market rates, making them attractive to buyers [6]. - In Guangzhou, the majority of properties sold by banks are commercial rather than residential [8]. - The auction process for residential properties often involves the sale of debt rather than the property itself, complicating the transaction for buyers [19]. Group 3: Consumer Considerations - Buyers are advised to exercise caution when purchasing bank direct supply houses, ensuring they verify property rights and assess any hidden costs [20]. - The market for these properties is characterized by a need for careful evaluation, as not all listings represent genuine opportunities for savings [20].