[yebyen]

But you basically always do use your house as collateral on the mortgage loan. I think this is a more radical change than you have realized.

[saalweachter]

You could pin it to when loans are issued rather than their existence.

That would only affect home refinancing, which will still be a considerable number of people.

[lupire]

That's different, because the house is collateral for itself, effectively a "rent to own", not for money that can be spent elsewhere.