具有讽刺意味的是，在美国，鼓励住房债务甚至未能成功提高本国相对于其他国家的自有住房比率：即便在住宅市场繁荣期，这些补贴对房价的推动力也比自有住房的增长量要大。
Ironically, the encouragement of housing debt in the US doesn’t even succeed in raising homeownership rates relative to other countries: even at the peak of the housing boom, the subsidies drove up the price of housing more than the quantity.