wen｜baobian zhanfangge‍‍

编辑 | 邢昀‍

「核心提示」

法拍房市场持续升温，刻板印象中的风险、手续等等弊端，在巨大的经济利益面前不断被拆解。越来越多的人开始想看清法拍房的“真面目”。

fapaifangdehuoreyijingqiaoranchixuleyiduanshijian。loushichuyudiwei，yuanbenkaolvxinfang、ershoufangdemaijiawulunshifougangxu，douzaijindingshichangyoubuganmaoranchushou，zongpajiepanjiezaibanshanyao。zheishi，yuandiyushichangjiagedefapaifangkaishizoururenmendeshixian。‍‍‍‍‍‍‍‍

kebanyinxiangzhongdefengxian、shouxudengdengbiduan，zaijudadejingjiliyimianqianbuduanbeichaijie。yuelaiyueduoderenkaishiyishidao，bushisuoyoudefapaifangdoushimengshou。gengduodefangyuanbeihou，zhishiyichangshibaideshengyiheyigewunaidejiating。

jinri，zhongzhiyanjiuyuanfabujianceshuju，2024nian1yue，quanguofapaifangguapai10.04wantao，tongbizengzhang48.2%。chengjiaoyue1.27wantao，tongbizengjia18.3%，zhengtichengjiaolvda12.63%，fapaifangshichangchixushengwen。

guapailiangdezengjiahuoxuyouhenduozhongkeneng，danchengjiaoliangdezengjia，wuyizhengminglerenmenjieshoududetisheng。fapaifangzaiershoufangshichangzhongyuelaiyuexianyan，tanfapaisebianzhengzaizhujianchengweiguoqushi，zhiyoumaibuchuqudejiage，meiyoumaibuchuqudefangzi。

法拍房是猛兽吗？

tiramisuzuobiaoshenzhen，2020niandao2024nianzhijianpaixiale4taofapaifang，meiyouyudaoguotengfangwenti，quanbuwenwennaxia。zheizaibulejiefapaifangderenkanlaijueduishijingrenzhiju。

fapaifang，jibeifayuanqiangzhizhixingpaimaidefangwu。dangyezhuwufahaiqingzhaiwushi，zhaiquanrenkeyixiangfayuanshenqingqiangzhizhixing，zheishihouyezhumingxiadefangwubeipaimai，suodekuanyongyuchanghaizhaiquan。renmenpubianyinxiangzhong，fapaifangyiweizhegaofengxianhemafandeshouxu。

fapaidehaozhaiyixiangshizhongjiedouyaoshenzhongdefangyuan，yixiewufadiaochaqingchudezhaiquanhediya，kenenghuiliujihourenyezhunanyichulidelantanzi。buguoduiyuzheidian，tiramisubingbudanxin。“suoyoudediyagenxinyezhumeiguanxi。ruguoyourenshangmenyaozhai，neijiushixingshianjianle，shuyuxunxinzishi，zheigeshiyaobeijuliude。”tashuo。

duiyuputongrenlaishuo，zuinanchulideshitengfangwenti：fangzishimaixialaile，yuanyezhubukenbanzou，wulunchuzuhezizhudouhenkunnan。

shejiaopingtaishangliuchuanzhebushaotengfangxianchangzhaopian，“neiyouzangao，kaimenjiuyao”“bashilaoren，yipengjiudao”“renzaifangzai”“zuyue20nian，maimaibupozulin”，leisidebiaoyutiezaifangdaomenshang，lianfaguanyewukenaihe。

tiramisugaosu《baobian》，tengfangdewentiqishimeiyouneimechangjian，tazaishenzhen、dongguanhezhongshanpaixiadefangzi，yezhupeihedudouhengao。zhongshanfayuancaiyongxiantengfang、houpaimaidefangshi，yejibendujueletengfangdefengxian。

gengzhongyaodeshi，tengfangnandewentiqishikeyizaipaimaikaishizhiqianguibi。2022nian5yue，hushanzaibeijingmaixialeyitaofapaifang。weici，tatiqianliangnianjiukaishilejiefapaifangshichang，2022niangangqiaoyudaolizhi，youhenzhangyiduanshijian，tazhizhuanzhuzheiyijianshi。

diyibu，zaihaoruyanhaidepaimaixinxizhongzhaodaozijiganxingqudefangyuan，dierbu，xiangfaguanlejiefangwuheyezhuqingkuang。“zaigenjufapaifangdeqingkuangzixunxiashifoukeyidaikuan；quzhengwujiaoyidatingchaxiafangzideshuxing，shifoushishangpinfangzhuzhai，yijishuifeixuyaoduoshaoqian；zaiquwuyewenxiafangzideqianjiaowuyefei。”hushanshuo。tashenzhihuigenjufayuangongbudefangwumenpaihaoqutanfangdongkoufeng。ruguohaodajiaodao，peihedugao，zaijiaodingjin，canyupaimai。

“tankoufeng”zaizhuanyeshuyuzhongjiao“kanyang”，yixiefayuanhuijizhongzuzhiyixiangpaimaizhekanyang，youxiezebuhui。erzheiyidianduiyumaijialaishuo，jihushifapaifangchengjiaoguochengzhongzuiguanjiandeyibu。

hushandeqianrenyezhushiyiweinanshi，yuemo50sui，henyoulimao，yinweizuoshengyipeileqianbeiqisu。“qishinengkanchulairenjiashishuxiangzhijia，ketingjuzifanglehaoduoshu。”hushanshuo。fayuanjileqianrenyezhuyigeyuedetengfangshijian，duifangzhunshidaizoulequanbudedongxi。jiaojiedeshihou，faguanhejingchajianzhengleqianrenyezhubayaochijiaojihushan，zuihoutimianlikai。

“zhaiwuren”sangezitinglaijiandan，danmeiyitaobeipaimaidefangchanbeihou，douyouyichangcanliedesishaheyigekunshouyoudoudejiating，weichitimianyouzenhuishibanjianeimejiandan。

tiramisucengjinghepengyouyiqiqudongguankanyang，yezhushiyiduifuqi，zuojiqiweixiuweichishengji。neiweiqizigaosutiramisu，moutianbangwan，yigeniuzikugongchanglaidan，yaoqiushangmenweixiu。weixiushijiqihuranqihuo，dianranleshenpangdechaiyouguan，huoshizaizhenggegongchangmanyan。shihougongchangqisupeichang，fuqilianghaibuqizhai，zhihaoyanzhengzhengkanzhefangzibeipaimai。

zheiweiqizigaosutiramisu，zijishihouzaiqulejie，caidezhiniuzikugongchangyuanbenjiujingyingbushanzhunbeidaobi，jiqiweixiuqishibuzaibiyao，tarenweizheiyiqiedoushizijihezhangfubeizuoju。

chouyuncanwudejiangshubeihou，shishijiujingruhemeineimezhongyao，tiramisuzuizhongmeiyoucanyuneitaofangzidepaimai。

一场信息差巨大的交易

gushitingduole，jiurongyihulvejiaoyibenshen，fapaifangpaimaishuodaodiyezhishiyichangjiaoyi。erqieshicunzaijudaxinxichadejiaoyi，limiandezhongzhongguize、liucheng，yexuyaomaifanghuaxinsiheshijianquyanjiu。

hushanmaifang，zhuyaoshiweilenengzaibeijingangejia。gongzuoliunian，tajiaogoulebeijingdeshebao，yusuan160wanyuan，xiangmaigeliditiezhanjin，jinchengyoufangbiandefangzi。zheiduiyubeipiaoyizulaishuoshizuipubiandesuqiu。fapaifangxiangduishichangjiagenengbianyibushao，feishifeiliyezhide。

ertiramisuzedaibiaolelingyiqunrendewanfa。tademudehenchuncui：touzi。

yidongguanneitaofangziweili，fangyuanzaishizhongxin，250pingmizuoyou，5fang，baoshoushichangjia900duowanyuan，yinxingpinggujiagezuigaokeyizuodao1200wanyuan，tiramisuyi500duowanyuandejiagepaixia。xianzaishichangbuhao，chaofangzaoyijingchengweiguoqushi，takanzhongdeshizujin。zheitaofangzimeiyuezujinyiwanyuanzuoyou，jihumeiyoukongzhiqi。

shishishang，zujinzhishizuibaoshoudeshouru。

tiramisuyoulingwaizhaoleyinxing，yizheitaofangyuanzuodiya，taochuqichengdexianjin，800duowan，touziqitachanye。

huidaogushidezuikaishi。2020nianyiqingchuqi，tiramisuyuanbenzhixiangzaitongxiaoqumaiyitaoershoufang。kanfangshi，shiduogeyixiangkehuhuijuyitang，zhiyinweizheitaofangzilvediyushichangjia。congzhongjiekouzhong，tiramisudezhi，zheishiyezhugangnaxiadefapaifang，chuleyidianyingzhuangdefeiyong，shualebaiqiang。

budaoyigeyue，fangzimaidiaole。tiramisuculvejisuan，guangzheiyidanyezhujiuzhuanle200wan。“putongrenyinianyecaizhuanduoshaoqian？”

zhengzhiyiqing，dabufenshengyidouzaitinggong，tiramisukaishishenrulejiefapaifangdeguize。chulebeirenmenshushidejingdonghealipaimai，qishifapaifangdepingtaihaiyouhenduo，qiefangyuanbuliantong，buhuizhongfushangjia。zheiyejiuyiweizhe，qitapingtaidejingzhenggengxiao，jianloudekenengxinggengda。dantayegaosu《baobian》，neixiepingtaidefangyuanmeiyoudapingtaihao，gengshiheyusuanxiangduidideren。

duiyumaijialaishuo，maifapaiyoujiqiao，maijiayebushiquanranzuoyidaibi，zhudongchujiyekeyibochufengcai。tiramisukanguoyitaodongguandebieshu，fengjingjuejia、loupanxiyou，jiniandoumeichuyitaofangzi。anzhaoershoufangzhongjiedeshuofa，ruguoyourenguapai，neishibuhuigeyede，zhongjieneibujiunengxiaohuadiao。erzheitaofapaifang，youshijinxianghujing，shuyulouwangweizhi。

kanyangdangtian，bieshuneijujilesi、wushiweiyixiangmaijia。chuhuyiliaode，yezhushifenreqing，bujinjieshaoxizhi，shenzhibarenqundaidaowoshi，lakaichuangliangaosudajia：chuanghuchaodong，meitiankeyitangzaichuangshangkanrichu。zheiyanghaodefangziluorubierenshouli，yezhuzhendeshihuodama？

houlaitiramisucaizhidao，yezhushixianggangren，laineidizuoshengyi，jielegaolidai，500wanguncheng700wan，haibushang，zhidengfangzipaimai。shichangjia2000duowan，qipaijia700wan，zuizhongzheitaobieshu2000duowanchengjiao，jibendengyushichangjia。eryezhuzhiqianle700wan，chulidiaofangzisuoshengdeqiyukuanxiangquanbuguihaijita。neifangziziranshijiageyuegaoyuehao，jieshoulefangzibeipaimaideyezhu，yejiuyouzugoudedonglixiangmaijiatuixiao。

yeshiweilexiyingengduodeyixiangmaijia，bushaopaimaifangyuanbeishezhilejiaodideqipaijia。juxi，qipaijiashizhaiquanren、zhaiwurenhefayuangongtongshangyijueding，diqipaijiayiweizhedibaozhengjinhedimenjian。gongkaiziliaoxianshi，yibanfapaifangdebaozhengjinshiqipaijiade10%dao20%budeng。tiramisushuo，jiangzheyidaishenzhiyoubushaoyiyuanqipaidepaipinhefangyuan。

法拍房也是另一种二手房

heershoufangyiyang，fapaifangyeyaozhixingxiangouhejiaoshui。

hushangaosu《baobian》，beijingdejingjishiyongfangjinliangbiepeng，tudichurangjingao，youxiehaibunengdaikuan。lingwai，beijingzaozai2017nianjiubafapaifangnarulexiangoufanwei，meiyougoufangzigewufaguohu。shenzhentongyangzhixingershoufangxiangouzhengce。erdongguanzebijiaoxijuxing，2020nian7yuefenqidongleershoufangdexiangou，dangshifapaifangbingbuzaixiangoufanweinei，2021nian8yue，fapaifangnarulexiangoufanwei。2022nianmo，dongguanyouquanmianquxiaolezhufangxiangou。

zhongzhiyanjiuyuanshujuxianshi，2023quannian，quanguofapaishichangguapaigeleifapaifangyuan79.6wantao，xiangbi2022niande58.3wantaozengzhangle36.7%，gongjiduanshengwenxianzhu。congguapaiwuyedeleixinglaikan，zhuzhai、shangyeweifapaifangzhuliu，erzhehejizhanzongpaimaitaoshuchaoguo77%。

zheixiebeipaimaidefangyuanzhong，dabufendoushishengyishibaidelaoban，yeyouyibufenlaiziduangongdegongxinjieceng，guowangshichanghuanjingshanghaoshidejiagangganxingwei，zuizhongzaixiaxingqirangfengxianbaolu。gengjiduandeqingkuangxia，daikuanjinechaochumuqiandeshichangjiage，zhudongduangongdeqingkuangyeshiyouchuxian。

daliangyongrushichangdefapaifang，tongyanghuiduiershoufangjiagechanshengyingxiang。ciqian，《huaxiashibao》cengbaodaocheng，2022nianyilai，fangqibaoleimingxianshuliangmingxianzengduo，fapaifangshichangshangyekaishichuxianzhengdonglou，shenzhizhenggexiaoqubeipaimaideqingkuang，beijingdeshanshuiwenyuan、lidouyuefu、shijixingchengdengzhuzhaixiaoqu，doucengjingliguopiliangfapai。

erfapaijiagetongchangdiyuershoufangjiage，ruguoyigexiaoqulichuxiandaliangfapaifang，shibihuiyingxiangershoufangdejiageyuqi。

qingsongdiankan，fapaifangdexuanzhi、xuanfangdougenershoufangxiangdangleisi。ruguotouzi，jiuzhikaolvmairujiage，yijikedailaideshouyikongjian，xueweidengdengfujiatiaojianshibuzhongyaode。zhishiyaozhuyi，bizujingengzhongyaodeshikongzhilv。

许多人忌惮法拍房，除了具体的风险之外，还有风水的考虑。可Tiramisu觉得，只要价格和风险足够低，风水其实不是问题。

2022nian，taweiguanlehangzhouyigexiongzhaidepaimai。anzhaomixindeshuofa，zheigefangzishejixingshianjian，erqieshixiangdang“xiong”，qiangshangyouxibudiaodexueji，beiqiangzhizhediaole，shichangjia240duowan，qipaijia170wan，dijiachengjiao。

zhidezhuyideshi，yinxingzaidiyadaikuanshibingbuhuiyinweixiongzhaierjidipinggujia，“jiusuanzhinaqudaikuan，dounengdai170duowan，tamaiyeshi170wanmaide。shenmedoumeizuo，jingzhuanshijiwan。”tiramisushuo。

butongyuyishupin、guwanshenzhidikuaidepaimai，fapaifangkenengshiputongrenlipaimaizuijindeshike。tidaojingyanjiaoxun，tiramisuhehushandouyuzhongxinzhangditixing：bunengshangtou。ruguochaochuxinliyugujiage，bixufangqi，buyaoyoudutuxintai。luochuidehuanjieguranlingrenxingfen，danmaifapaifangbixushijidulixingdejuece。

（应受访者要求，文中均为化名）