Re:7% interestPeoples on average make 4x what they made in 1980..............a 1 bedroom apartment rented for $200 in 1980 ......now 1 bedroom rents for $1600 to $2000 a month...........a lot to build a house in 1980 in city $40,000......now $150,000..........now when you buy a house in some city the charge you a green space development charge becsuse city to cheap to plant some grass.........generally speaking banks and govt want people to spend 30% of take home pay on housing