[jjeaff]

They are paying less than half a percent interest in most cases. So the interest doesn't really factor in.

[chii]

If the banks are willing to lend at this low rate, so be it. It simply means money is cheap.

[jjeaff]

They are usually only willing to lend at a rate that low to the wealthy only. Because it is lower risk, but mostly because they want to ingratiate themselves to the super wealthy because it can lead to future, more profitable deals.