By extending loans to the SME industry, it will create a beneficial cycle in the economy and eventually the one who gives out the loan will benefit.

Remember, interest paid to banks only comes back to you in the form of a billing receipt. Nothing else...

The price of your property is not the price at which you purchase it for, unless of course if you paid for it fully in cash...

Leveraging on debts for investments can be very fruitful, or dangerous. It is a double edged sword

As long as you have a debt from the bank, you are working for them, not for yourself.

The credit market is one of the factor that cause this financial slowdown. However one should not be impede from taking up a loan just because of this. Every coin has two sides. What you have seen is merely the bad side. The good side of it is, many wealthy individuals leveraged on loans and credit in order to make it big.