银行资金周转效率
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银行为何可以八折卖房?这绝对不是做慈善,而是在卖房贷
Sou Hu Cai Jing· 2025-11-14 11:36
Core Viewpoint - Banks are selling properties at discounted prices not due to urgency but as a strategy to improve loan recovery and efficiency in capital turnover [1][2][3] Group 1: Bank's Strategy - Banks are effectively selling loans secured by properties rather than the properties themselves, allowing them to recover more funds [1][5] - By selling properties at around 80% of their market value, banks can find new borrowers, thus securing additional profits beyond the principal amount [5][8] - This approach allows banks to bypass lengthy court auction processes, enhancing their capital turnover efficiency [2][3] Group 2: Market Impact - The influx of discounted properties may initially seem detrimental to property prices, but it could facilitate a quicker stabilization of the real estate market in the long run [8] - Accelerating the disposal of non-performing assets can improve banks' financial health and contribute to a more efficient market recovery [8]