The government sells land, real estate developers lend money to build houses, personal mortgages repay loans, and banks lend money to developers and individuals: is this what I understand?

Ha, you are very clever. I finally figured out how others make money for you. . . . . . Banks take ordinary people's savings loans to developers, and then earn interest difference; Developers borrow money from banks, then build houses and buy houses, and then charge high-priced houses from ordinary people to earn high profits; It's just that ordinary people actually buy houses from their own hands, hoping to have a comfortable residence. In addition to actually paying the house payment, they have to borrow money from the bank for the lack of house payment and pay extra interest to the bank. Ha, it's a little difficult for ordinary people to buy a house.