题目内容
Overall there are three levers that officials can pull to make property safer, and to use any one of the three can fulfill the task of regulating the market.
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Easy credit is the most significant reason which drives up prices and makes the bubble worse.
The Danish model is highly recommended by many observers, which features specialized mortgage lenders with strict loan-to-value limits and floating rate mortgages.
Imposing rigid loan-to-value limits might incur some negative consequences to those first-time buyers and the self-employed.
The third lever that policymakers can pull is the macroprudential regulation which is a great idea not only in theory but also in implementation.
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