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> Uhh, why? Unless you were planning on selling up and spending it all on a cruise or something house prices are immaterial to home owners.

No, it's not immaterial. If you paid $1M for something and next year that something is worth $500K, it's a problem, regardless of whether you own it or it's mortgaged, regardless of whether you plan to sell it or live in it. You lost $500K, it's as simple as that.



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