I am not economist, but it does not mean that i do not know something about economy. As I observe the state of economy, i can understand the simple plain word which is affordability..It is a common sense that the economy of a nation is supported by domestic spending of average consumers. It is equally clear that growth of the house market can not be sustained without synchronized growth in household incomes. When the growth in household incomes under pace that of the house market, the affordability becomes an issue. With the gap between two growth rates trending wider, affordability problem is inevitably escalated and will result in a collapse of the house market eventually. Sometimes as an economy obsevant, i would rather have look loan lenders to give my family good sustainance.