I think that it has some issues here. 9 U3 Y% y2 Q% j. N9 v5 | ; R, z$ U& T; U2 u, M, t. IWho can get from banks 0.50%, 1.00% ? I can't. It must be private the mortgage. Or mortgage lender is parents to their kids. Private lenders usually charge 5% -12% a year when borrowers can be approved by a big bank. ! H) n4 i- b7 G# v4 l8 a 3 n3 J* m2 M6 b1 DThe questionaire design here has some issues, and people who answered questions are not honest. The results are such statistics can not make any reasonable conclusion.