21世纪经济报道·2025-11-21 02:36Core Viewpoint - The concept of "bank direct supply housing" is misleading as banks do not sell houses directly; they are promoting the disposal of non-performing assets, specifically properties acquired through loan defaults [1][2]. Group 1: Understanding "Bank Direct Supply Housing" - Banks are not licensed to sell real estate; their primary business is financial services such as deposits and loans [1]. - The term refers to banks promoting properties they have repossessed due to loan defaults, not direct sales by the banks themselves [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 [2]. Group 2: Market Context and Trends - The popularity of "bank direct supply housing" has surged 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]. Group 3: Risks for Buyers - The property title typically remains under the original debtor's name, meaning buyers may inherit existing legal issues or disputes related to the property [2][3]. - Buyers should thoroughly investigate the property’s details, including any rights restrictions or potential eviction challenges post-purchase [3]. - The volume of "bank direct supply housing" is limited, with only a few hundred properties available, which is unlikely to impact the overall housing market significantly [3].