This document explains the Danish system in some detail: https://finansdanmark.dk/media/raim0hhz/den-klassiske-realkreditmodel_uk_2021_final.pdf https://finansd

This document explains the Danish system in some detail: https://finansdanmark.dk/media/raim0hhz/den-klassiske-realkreditmodel_uk_2021_final.pdf https://finansdanmark.dk/media/raim0hhz/den-klassiske-realkr.... Toward the end of the document, there is a discussion of how the Danish mortgage system has fared in the various financial crises of the past 50 years starting with the twin oil shocks of the 1970s. Evidently it has been much more stable than the US system during that era. If for no other reason, the US should look at this system seriously.