花旗银行：2025年驱动美国前行：破解抵押贷款僵局、重塑社会流动性、重启“美国梦”报告（英文版）

It goes like this: Millions of homeowners feel compelled to remain in their current homes to preserve the financial advantage of their low interest rates. This effectively locks them into a property that may no longer serve their changing needs. At the same time, many mortgage lenders currently hold large portfolios of loans earning below market rates. This Citi Institute GPS report considers a pragmatic approach that could benefit both borrowers and lenders by easing this constraint on the U