If mortgage rates fell to 0 percent ("free money"), why might consumers still hesitate to borrow money to buy a home?

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answerhappygod
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If mortgage rates fell to 0 percent ("free money"), why might consumers still hesitate to borrow money to buy a home?

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If mortgage rates fell to 0 percent ("free money"), why
might consumers still hesitate to borrow money to buy a
home?
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