银行直供房真能捡漏？普通人购买应注意什么，看懂这些再下手！

Core Viewpoint - The rise of "bank direct supply housing" offers potential opportunities for homebuyers seeking lower prices, but it comes with unique risks and challenges due to the nature of the properties being sold [1][3][22] Group 1: Definition and Nature of Bank Direct Supply Housing - "Bank direct supply housing" primarily consists of properties acquired by banks through legal means, such as foreclosures and collateral from unpaid loans, rather than newly constructed properties from developers [3][5] - The main goal of banks in selling these properties is to liquidate non-performing assets rather than engage in charitable sales, leading to prices that are typically 10% to 25% lower than market rates [7][22] Group 2: Risks and Challenges - Potential issues with property titles, such as unclear ownership, existing mortgages, or ongoing leases, can pose significant risks for buyers [5][11] - Buyers may face challenges if previous owners or tenants refuse to vacate the property after purchase, complicating the transfer of ownership [13][22] - The physical condition of the properties is not guaranteed by the banks, meaning buyers must conduct thorough inspections and be prepared for potential repair costs [11][20] Group 3: Due Diligence and Contractual Considerations - Buyers are advised to perform extensive due diligence, including checking property records for any liens or encumbrances and assessing the physical state of the property with knowledgeable individuals [17][19] - It is crucial to have clear contractual agreements that outline responsibilities for taxes, fees, and the timeline for property handover to avoid future disputes [19][20] - Engaging a professional real estate lawyer to review contracts can be a wise investment to mitigate risks associated with these transactions [20][22]