The market price of houses has almost nothing to do with the buildings themselves, and the cost of internal surface materials has essentially no relevant bearin

The market price of houses has almost nothing to do with the buildings themselves, and the cost of internal surface materials has essentially no relevant bearing on the price either. To get the market price for housing down; even a supply glut would not help as long as mortgages are subsidised, and defacto function as economic stimulus and retirement funds.