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Today's low debt service ratio partly reflects the difficulties some would-be homeowners are having qualifying for a mortgage.
The $29.1 trillion value of the US housing market is at a historic high, but mortgage debt held by homeowners is stable.
In Denmark, mortgage rates are negative 0.5 percent, and rates on sovereign debt are negative in many other European countries.
The household-owned value of the housing market is now higher than the pre-crisis peak of $22.68 trillion in 2006.
The current demand for houses is largely driven by families seeking to purchase homes.

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