I understand and agree.. but banks set up there loan terms and conditions assuming that real estate (unlike cars) increase not decrease in value over time. Ofco

I understand and agree.. but banks set up there loan terms and conditions assuming that real estate (unlike cars) increase not decrease in value over time. Ofcourse, thats an assumption that buyers have too and that's their risk. So what do you suggest if that assumption doesn't hold any longer? should the terms and conditions remain the same?