Who changes the topic? Like i said cut the crap im still on topic.
How high do you think unemployment will go? If prices fall 20% in Sydney and unemployment goes to 10% the remaining 90% of the workforce will still have a job. If you are unemployed at a 7% unemployment rate you would unlikely get a loan anyway, the same if you were unemployed when the economy is booming. What the hell are you yalking about. When you apply for a loan the bank assesses your current income and savings history.