MONEY GLOBE XHousing Pro · Lesson 3
Housing and credit cycles
Booms are built on borrowing
Professional - Gold & Platinum
In this lesson
Recognise the stages of a housing credit cycle and the indicators that warn of a turn.
Key takeaways
- Housing cycles are driven by credit: easier borrowing lifts prices, tighter credit cools them.
- Rising prices encourage more lending — a feedback loop in both directions.
- Warning signs: rising arrears, surging new listings, completions of presold projects.
- Canada's high household debt makes its housing especially sensitive to interest rates.
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Next lesson: Property vs REITs
Educational information only - not financial advice.