#USHouseMarketStructureDraft

1. Changes in the Real Estate Financing Mechanism:

Is the project aimed at reducing reliance on large banks and increasing the role of small lenders?

Is there a trend to reduce the intervention of institutions like Fannie Mae and Freddie Mac in the market?

2. Impact on Housing Prices:

Will it increase housing supply and put downward pressure on prices?

Or could it restrict financing and raise interest rates, deepening the housing crisis?

3. Its Implications on Financial Markets:

The mortgage-backed securities (MBS) market is very sensitive to any changes in the housing market structure.

Will the project make these assets safer or increase their risks?

4. The Political and Social Dimension:

Who benefits?: Will the middle and low-income groups benefit?

Or will large investors and real estate investment trusts (REITs) increase their influence?