The timetable for a price crash for homes that were inflated at twice (or more) their actual value will be at a time when most of the mortgages are half paid.

That way banks can get full value on the house, foreclose, resell and double their profits.

Its sort of a have your cake and eat it business model.

In short it should take another 7 years to maximize the banks advantage for homes that were 7 or more years ago on 30 year mortgages.

Of course a bubble burst about now for 15 year mortgages would already be in the banks favor.