银行，五折清仓卖房

Core Viewpoint - The article discusses the emergence of "bank direct supply housing" as a means for banks to dispose of non-performing assets, highlighting the liquidity pressure faced by banks and the uncertainty in local real estate markets [2][4][25]. Group 1: Market Overview - "Bank direct supply housing" primarily consists of assets from individuals or enterprises that have defaulted on loans, leading banks to sell these properties directly to recover debts [7][20]. - Platforms like Alibaba Auction and JD Auction have started listing "bank direct supply" properties, although these listings are not categorized separately, making it difficult for buyers to identify them [3][5]. - The phenomenon is not widespread across the country but is concentrated in certain cities and banks, indicating a localized response to liquidity issues [5][11]. Group 2: Asset Statistics - Notable banks such as Jilin Bank and Tianjin Bank have listed thousands of properties for sale, with Jilin Bank having 2,099 listings and Tianjin Bank 1,227 [12][13]. - Agricultural Bank of China has also engaged in direct sales, listing 649 properties this year [13]. Group 3: Pricing and Market Dynamics - Banks often set starting prices below market value to expedite sales, with some properties listed at half the market price, attracting buyer interest [20][26]. - For example, properties in the "育才壹品" community were listed at approximately 2,000 yuan per square meter, significantly lower than the market price of 3,300 to 4,600 yuan per square meter [20]. Group 4: Legal and Transactional Considerations - Purchasing bank direct supply housing is generally seen as less risky than buying properties through judicial auctions, as the ownership and dispute resolution are clearer [21]. - However, buyers should be cautious of potential issues such as the property's history (e.g., whether it is a "haunted" house) and the condition of the property, especially if it is an unfinished project [21][23]. Group 5: Broader Economic Context - The increase in non-performing loans and the pressure on banks to dispose of these assets is evident, with the total non-performing loan balance reaching 3.5 trillion yuan, up by 883 billion yuan from the previous quarter [25][26]. - The overall real estate market is experiencing a downturn, with property prices in major cities declining, which may further influence the dynamics of bank direct supply housing [26][27].