A person who just lost their down payment and years of savings a few years ago due to buying a house won't rush back in just because of slightly lower interest rates and down payment requirements. Those who haven't bought houses see others losing their down payments and savings due to falling prices and secretly feel relieved to keep their wallets tight. So, whether they've bought or not, neither ability nor willingness supports such actions $SEAZEN(01030.HK)

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