... possible; the loan -to- value ratio for new mortgages; the mortgage-debt -to- GDP ratio in the economy; the method used to value property; whether mortgages are securitised; and the share of owner ... 16 18 20 22 24 -0 .0048 -0 .0040 -0 .0032 -0 .0024 -0 .0016 -0 .0008 -0 .00000.0008Real equity prices0 2 4 6 8 10 12 14 16 18 20 22 24 -0 .0112 -0 .0096 -0 .0080 -0 .0064 -0 .0048 -0 .0032 -0 .00160.00000.00160.0032 ... Denmark, Switzerland, Spain, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway and the UK, a three-month Treasury bill rate for Belgium, Sweden and the US, and a three-month commercial...