The article explores why people in Malaysia struggle to repay their home loans. By analyzing data from over 43,000 borrowers, the researchers found that factors like house equity, loan terms, and ability to pay influence whether borrowers default on their loans. They also discovered that default rates are higher when house prices are low, and that certain borrower characteristics play a significant role in loan repayment behavior. Additionally, the study revealed that default rates decrease after a certain number of years, suggesting that borrowers become more reliable over time. These findings can help shape policies and decisions in the housing loan industry.