嗬嗬，FannieMae是市場嗎？FannieMae本來就是政府硬做出來的機構，為的是幫助提高民居擁有率。

During the Great Depression, nearly one in four homeowners lost their homes to foreclosure, the banks didn't have any money to lend, and the nation faced a real housing crisis.6 Congress responded in 1938 by creating the Federal National Mortgage Association (FNMA), better known as Fannie Mae, to provide reliable, steady funding for housing. It brought a new type of mortgage to the market: the long-term, fixed-rate loan with an option to refinance at any time.2

https://www.investopedia.com/articles/economics/08/fannie-mae-freddie-mac-credit-crisis.asp?