Scenarios about 'mortgage lending'
Mortgage lending refers to the financial practice of providing loans secured by real estate property, allowing borrowers to purchase homes without paying the full value upfront. This system evolved from simple property bonds into sophisticated financial instruments, becoming central to housing markets and economic development throughout the 20th century. In alternate history scenarios, different regulatory approaches to mortgage lending can dramatically alter patterns of homeownership, urban development, and financial stability.
What If The Housing Bubble Never Formed?
Exploring the alternate timeline where the 2000s U.S. housing bubble never inflated, potentially preventing the 2008 global financial crisis and dramatically altering the 21st century economic landscape.