AI Boom May Be Creating Hidden Risks In Housing Market

Benzinga_recent_news02:24

Artificial intelligence is driving massive productivity gains — but it may also be creating hidden risks in one of the most important pillars of the financial system: housing. • iShares MBS ETF...

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A new report warns mortgage assumptions could face structural risks.","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"AIYY":"YIELDMAX AI OPTION INCOME STRATEGY ETF","AI":"C3.ai, Inc.","BK4551":"寇图资本持仓","BK4587":"ChatGPT概念","BK4588":"碎股","BK4528":"SaaS概念","BK4585":"ETF&股票定投概念","BK4023":"应用软件","BK4543":"AI"},"translate_title":"人工智能热潮可能给房地产市场带来隐患","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"AIYY":0.6,"AI":0.65},"content_text":"Artificial intelligence is driving massive productivity gains — but it may also be creating hidden risks in one of the most important pillars of the financial system: housing.\n       • iShares MBS ETF stock is approaching key resistance levels. Why did MBB hit a new high?\nMortgage markets rely on a simple assumption — borrowers will remain employed and continue earning stable incomes. AI-driven job disruption could challenge that foundation.\nIn their recent note, Citrini Research warns that the rapid displacement of white-collar workers is forcing markets to confront an uncomfortable question: \"Are prime mortgages money good?\"\nUnlike previous housing crises driven by speculative lending or interest rate shocks, this potential risk stems from structural changes in employment itself.\nWhite-collar workers account for a disproportionate share of economic activity. According to the report, the top 10% of earners account for more than half of all consumer spending, making their financial stability critical to housing markets.\nAs AI replaces higher-paying jobs, many displaced workers are forced into lower-paying roles, reducing their ability to sustain prior spending levels. 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