私人住宅物业按揭贷款 private residential mortgage lending
银行不想承接住宅按揭贷款业务。
把税收负担从劳动力转向土地，实际上将会降低住宅和商业空间价格，因为；征税之后的租税，不会再次循环进入新的按揭贷款。
Shifting the burden of tax from Labour to land would actually hold down the price of housing and commercial space, because rental value that is taxed would not be recycled into new mortgages.
现代银行将贷款决策蜕变成冷冰冰无人情的、以信贷评分和资产价值为基础的公式， 是银行更偏向于均一同质的贷款，比如住宅按揭。
modern banks reduced loan decisions to arm’s-length algorithms based on credit scores and asset values, biasing them towards homogeneous loans such as residential mortgages.
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