宽松及廉价的商业银行官方信贷让房价飙升，70个大中型城市平均房价从2002年的每平米2291元上涨至十年后的5791元。 现在的问题是，这一涨幅有多少来源于实际生产率的提高和经济繁荣而不是来自宽松信贷驱动的投机行为。
Easy credit caused property prices to skyrocket, from ¥2,291 ($374) per square meter, on average, in 2002 to ¥5,791 a decade later, as measured in 70 large and medium-size Chinese cities.