“银行直供房”打折卖 能捡漏吗？｜财经早察

Core Viewpoint - The concept of "bank direct supply housing" is misleading as banks do not sell houses directly; instead, they promote the disposal of non-performing assets, specifically properties acquired through loan defaults [1][2]. Group 1: Nature of "Bank Direct Supply Housing" - Banks are licensed financial institutions primarily engaged in lending and deposit services, not in real estate sales [1]. - The properties promoted by banks are actually collateral from borrowers who defaulted on loans, and banks do not have the legal authority to sell real estate [1][2]. - The traditional method for banks to dispose of these properties involves bulk sales to asset management companies or public auctions on platforms like Alibaba and JD.com [2]. Group 2: Market Dynamics - The term "bank direct supply housing" has gained popularity this year due to a low overall transaction rate of 13.1% for judicial auction properties in the first three quarters [2]. - The success rate for first-time auctions is only 39%, prompting banks to seek alternative methods to accelerate inventory turnover [2][3]. Group 3: Buyer Considerations - The ownership of the properties remains with the original debtors, and banks only have the authority to dispose of them, meaning potential legal issues may still exist [4]. - Buyers should thoroughly investigate the property details, including any existing legal disputes or encumbrances, before proceeding with a purchase [4]. - The volume of "bank direct supply housing" is limited, with only a few dozen to a few hundred properties available, which is unlikely to impact the overall housing market significantly [4].