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You are correct,The housing market bubble was starting to emerge before clinton, but in 1995 clinton made revisions to the CRA which made Banks force to give loans to unqualified borrowers. Due to this, we had people with 30k salaries living in 500k houses (after this, the bubble’s growth was rapidly accelerated). The banks were forced to use teaser interest rates which kept them dirt low for the first months, then interest skyrocketed and all the people instead of selling the homes, just declared bankrupcy and walked out, leaving the bank completely screwed.
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