Returning to the topic of housing affordability and a review of no less respected.
It would seem that, mathematically personal income grew, and household debt has fallen and it seems that the affordability of housing is growing and without the need to reduce % mortgages since DSR( debt service ratio) or FOR( financial obligation ratio) improved. But lending and mortgages are not growing very much. But it seems to me, that it is no less important value, which actually shows, what the people are " impoverished" to some extent.
Percentage net worth from disposable personal income collapsed decently.