Residential delinquencies in the United States will tend to rebound in 12-24 months from the low of 1.6% at the end of last year, although a debacle is not to be expected, since families are now less indebted.

One of the sectors most affected by the US Federal Reserve rate hikes would be residential. The 30-year effective mortgage rate rose in May to 5.75% from 3% in the third quarter of 2021, while

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