housing also same

housing market lags stock market by 6 months min. So if stock crashes, some people will shift money to "safter" real estate, so it won't crash with the stock market, but with the stock market crash will come massive layoffs, and with the "moon light" life style of big percentage of the porpulation, they will default mortgage within a few months and people will start selling their houses. After a few months banks will start foreclosing and the snow ball will start rolling.Crash like 2008 maynot happen again. But I am seeing ad's on bus stops on low downpay mortgage. Lenders are again taking high risks just like before...