题目内容
Easy credit is the most significant reason which drives up prices and makes the bubble worse.
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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.
What regulators and central banks in developed countries need to worry is not about an overheated property market now but the prospect of cooling property markets.
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