“银行直供房”打折卖，能捡漏吗？

Core Insights - The concept of "bank direct supply housing" is misleading as banks do not sell houses directly but promote the disposal of non-performing assets [1][2] - The increase in popularity of "bank direct supply housing" this year is due to low auction success rates for foreclosed properties, prompting banks to seek faster inventory turnover [2][3] Summary by Sections - Nature of "Bank Direct Supply Housing" - Banks are not licensed to sell real estate; they primarily deal with financial services [1] - The properties promoted are actually non-performing assets that banks need to dispose of, not direct sales by banks [1][2] - Market Context - The overall transaction rate for foreclosed properties in the first three quarters of this year was only 13.1%, with a first auction success rate of 39% [2] - Banks are increasing the promotion of "bank direct supply housing" to accelerate inventory turnover due to these low success rates [2] - Buyer Considerations - The property title remains with the original debtor, and banks only have the authority to dispose of the property [4] - Potential buyers should be cautious of existing legal issues or encumbrances associated with the properties [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]