The draft framework for the US housing market seeks to address the affordability crisis and the imbalance between supply and demand. It proposes tax incentives for developers who prioritize affordable housing, streamlining local permits to accelerate projects. It also suggests expanding access to mortgage loans at preferential rates for first-time buyers and limiting real estate speculation by large investors. Penalties are contemplated for municipalities that restrict development without justification. However, critics warn that the measures could inflate prices if supply does not grow rapidly. Others point out that the tax incentives benefit developers more than buyers. Recent data show that the median home price in the US exceeds $400,000, with mortgage rates at 7.5%, making homeownership unaffordable for many. The draft framework needs to balance market incentives with consumer protections, in addition to considering regional variations. Its success will depend on coordination between local and federal governments and the private sector to increase supply without compromising quality or the environment.