Well there are things that can make the middle income earners not to make a headway in their business or they want to use it as mortgage,because the interest rate might just be a stumbling block.I heard of that in my country that the interest rates for mortgages are going to rise up.
They say because of the inflation and economic instabilities that the nation is facing right now, they like to increase the interest rates from 11- 16%. I hope this would be the highest it has ever gone