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*This image was generated by the author of AI | Shi Dalang Origin of Cat Brother |石大郎大猫金融Pro Bank卖房，还搞“双11”。某大型国有银行将在其资产拍卖平台举办双十一专场，专门推荐其分行持有的商铺资产为“银行直供”，单价低于5000元/㎡。大型国有银行通常有自己的特别销售，主要针对房地产，主要是住宅。一些大银行自己并没有垫付，而是委托拍卖公司打着“比市场平均价格低25%”的口号，实际上更便宜。例如，北京丽红花园一套140平米的楼盘，起拍价为743.2万，单价约为5.28万/㎡。同一小区内挂牌价为6.5万/平方米，整个小区均价为7.1万/平方米。按照社区均价来看，这套公寓about 9.94 million, and with a discount, it is 2.5 million, which is really cruel.此类楼盘方面，双11期间，该银行还有12套待处理。另一家联合银行推荐的楼盘中，部分楼盘可享受55折优惠，覆盖武汉、重庆、燕郊、嘉善、永清等多个县市。 Major state-owned banks, joint stock banks, city commercial banks, rural banks and even local credit cooperatives all sell houses directly. For example, Lanzhou Bank has more than 1,000units in 2024, and nearly 1,800 units will be added in 2025, up to 3,000 units in two years; Jilin Bank has 2,000 units, and Tianjin Bank has 1,300 units. Credit unions are also big sellers of homes. The Sichuan credit cooperative system has 25,000 units, while the Liaoning Rural Credit Union has thousands of units. The bank suddenly became the largest owner of second-hand houses and actively sold houses. For banks, mortgages are stillconsidered quality assets. At the end of the third quarter of 2025, the balance of personal housing loans was 37.44 trillion. In the face of such a large volume, even if the net interest margin is shrinking, it can still earn income for banks. Personal mortgage defaults are still very rare. However, real estate is definitely not considered thata quality property. Real estate in the hands of banks mainly comes from loan defaults of individuals and companies. They can't pay the loans, so they have to use the house to pay off the loan. The bank acquires the property rights, and then realizes the properties through sales, auctions and other means. Currently, the balance of non-performing loans of commercial banks is approximately 3.43 trillion, with a non-performing rate of 1.51%. Non-performing assets must be disposed of, and there is a time limit for disposing of stocks and real estate. According to the "commercial bank law", disposal within 2 years can be postponed up to 3 years.因而矿石，与其过期不处理而行政腐败，不如回收一点并打折出售。银行只能同时发放住房贷款和出售房屋。即使有银行折扣，它也“买得起”，但确实不容易卖。 Many people just go up to look.从目前的案例来看，报名的人确实不多，而且很难完成交易。我可以买吗？银行的主要关注点是“产权清晰”。银行洗债权，产权直接属于银行，可以直接转让。然而，不少银行也为新东家埋下了地雷。举个例子。平台上有一套87平米的房子，起拍价仅为16.4万。在均价至少3000的县城，拉芒的起步价就在1800多，算便宜的了。对于当地居民来说买一套来住确实很有效。然而，有many things going on here. The original owner cannot repay the loan of more than 60,000 yuan. In 2019, the bank took over the house, but the house was worth 160,000 yuan. What should I do with the remaining 100,000 yuan? The bank leased the house to the original owner for 10,000 yuan a year for 10 years.也就是说，如果你到2029年才买这套房子，你就收不到房，也收不到房租，还要承担房价持续下跌的风险。 After all, there is no shortage of houses in the small county. Like a foreclosure, this is a big problem when it comes to selling and returning. Foreclosures are also court-enforced, but if you sell, you can only fight or suffer. That's rightHowever, when the bank sells the house directly, the most unhappy are the surrounding property owners. Today, second-hand homes are a buyer's market. In addition to the location and type of house, the owners also need to refer to the surrounding transaction prices, and the bank's direct selling price is also one of them.毕竟房子值多少钱在银行眼里是相当“厉害”的，所以中介更有理由降价。对于附近的第二个家来说就更困难了。返回搜狐查看更多
