On: The average age of U.S. homebuyers jumps to 56

[AnimalMuppet]

>- separate interest rates for residential mortgages, commercial property, consumption and productive investments (industry, infrastructure, education)

How do you propose to do that? If I have money to lend, I'm pretty sure I'll lend it wherever I like the return I get. So interest rates are all related to each other - they should be risk-adjusted equal, because the lenders don't care about anything else.

[thunky → AnimalMuppet]

Separate rates already exist. Try buying an investment property and you'll see the rate is higher because there is more risk to the lender.

[AnimalMuppet → thunky]

I said "risk adjusted", so I think you're agreeing with me.

[thunky → AnimalMuppet]

I guess so? I interpreted the parent's use of "separate interest rates" to mean nominal rates.

[ryathal → AnimalMuppet]

Separate rates and markets already exist. Commercial property is a totally different market than residential, and agricultural is yet another market. Investment into residential is different than primary residence in origination rules and pricing.