Core Viewpoint - The phenomenon of banks selling properties, referred to as "bank direct supply housing," is not new and has been a topic of increased attention due to intensified efforts in handling non-performing assets, particularly at the end of the year [1][9]. Group 1: Reasons Behind Banks Selling Properties - The primary reason for banks selling properties is that the collateral for loans is predominantly real estate, leading banks to utilize judicial channels and auctions to recover cash [2][11]. - Banks typically increase property sales at the end of the year to improve their annual financial statements by addressing non-performing assets [2][11]. - The recent wave of consolidation among small and medium-sized banks has also contributed to an increase in the disposal of non-performing assets, as these assets are now being centralized under new institutions formed from mergers [3][12]. Group 2: Regulatory Considerations - The urgency of banks selling properties is influenced by the two-year time limit set by the Commercial Banking Law for disposing of non-performing assets acquired through collateral [5][14]. - Regulatory bodies enforce this two-year timeframe, prompting banks to act on disposing of these assets, especially towards the end of the year [6][14]. Group 3: Types of Properties Being Sold - The properties being auctioned by banks primarily consist of commercial real estate, such as shops and office buildings, with very few personal mortgage properties involved [7][15]. - Most properties available for auction are linked to loans taken out by business owners, who often use fixed assets as collateral [7][15][16]. Group 4: Current Status of Personal Mortgages - The overall situation regarding personal mortgages is stable, with no significant increase in defaults reported for 2025 [8][16]. - Banks are adopting flexible measures for clients facing difficulties with personal mortgages, including negotiation for extensions and reduced payment plans [8][16].