I think that it has some issues here. $ i) n+ S" `6 i _; X0 Y 9 O( O; F+ ?7 ?1 cWho 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. & a1 |# b4 ]# t. z( \6 I ( P7 w7 ?- o( 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.