注意！“骨折价”拍下的银行直供房，可能是“债权”而非“房产”

Core Viewpoint - The article highlights the distinction between "debt transfer" and "foreclosed assets" in property auctions, emphasizing that many auctioned properties are actually debt claims rather than the properties themselves, which poses various risks for potential buyers [2][4][9]. Group 1: Auction Details - On November 19, a residential property in Shanghai's Hongkou District was auctioned for 1.125 million yuan, which appeared to be a bargain compared to similar properties in the area [2][3]. - The auctioned item was a debt claim secured by the property, not the property itself, leading to potential issues such as the inability to change ownership [2][4][9]. Group 2: Market Conditions - In major cities, many auctioned properties receive no bids, and those that do often have very few participants, indicating a lack of interest due to various factors such as location and condition [4][9]. - The average transaction price in the neighborhood remains at 55,000 yuan per square meter, despite a noticeable decline in property prices over the past two years [7]. Group 3: Risks and Considerations - The auction process involves significant risks, including potential legal disputes and the inability to execute ownership changes, which are often not clearly communicated to bidders [4][9]. - Buyers are advised to conduct thorough due diligence, as many listings may misrepresent the nature of the auctioned items, leading to confusion between debt claims and actual property sales [9][10]. Group 4: Bank Involvement - Banks, such as Zhejiang Chouzhou Commercial Bank, clarify that they are selling debt claims rather than properties, and buyers must negotiate with debtors regarding repayment [9][12]. - Some banks have successfully transferred property ownership before auctioning, ensuring clearer titles and reducing risks associated with ownership disputes [13][17].