What government has an interest in rising housing prices? Isn’t their job the opposite of that usually? Im not familiar with that.
And regulators/government should prohibit such predatory practises as long loans (no central bank would even allow that atm anyway, not under Basel). Basically my point is that housing, healthcare, public infrastructure, etc should be non-profit imo (so, no dividends/profit payouts, only for r&d or lowering price points and profit sharing to clients).