[NTDF9]

I don't think the problem is lack of loans. The problem is the price of assets. This is a structural problem (this used to be something we used to tell developing countries and here we are)

Essentially, the asset prices need to match economic activity. Another way to think about this is that house prices should be affordable to the median household (teachers, nurses, office staffs, blue collar workers)

The reason it is not affordable is because of laws and unequal taxation.

Access to loans is NOT the problem!!