成交价低至六折 银行“直供房”密集挂牌 不良处置提速

Core Viewpoint - The increase in "direct supply housing" from banks is a strategy for disposing of non-performing assets and quickly recovering funds, with expectations for further growth in this area [1][4][6]. Group 1: Overview of "Direct Supply Housing" - "Direct supply housing" refers to properties obtained by banks through debt recovery processes after borrowers default on loans, allowing banks to sell these properties directly to the market [1][3]. - The trend of banks listing "direct supply housing" in bulk is evident, with over a hundred properties currently available for auction across various regions, including commercial shops, residential units, and factories [2][4]. - Properties listed as "direct supply housing" often have starting prices significantly below market value, with many properties marked as "below market average" [2][4]. Group 2: Market Impact and Trends - The auctioning of "direct supply housing" is primarily a response to the need for banks to shorten the asset disposal cycle and recover funds more quickly, especially after previous judicial auctions resulted in unsold properties [4][6]. - Despite the increasing attention on "direct supply housing," its impact on the broader second-hand housing market is limited, as these properties represent a small segment and are primarily non-residential [4][5]. - The current trend shows a rise in non-performing loan transfers among banks, indicating a growing concern over retail loan default rates, particularly in personal loans and credit card debts [6]. Group 3: Characteristics and Advantages - Compared to regular judicial auction properties, "direct supply housing" has clearer ownership and fewer hidden disputes, leading to faster auction and transfer processes [5]. - The emergence of "direct supply housing" highlights the challenges faced by commercial banks, especially smaller institutions, in managing non-performing assets effectively [6].