The study looked at how changes in housing prices in Tanzania affected mortgage credit availability from 2008 to 2018. They found that when luxury house prices went up, mortgage credit also increased in the short term, leading to further price changes. However, changes in mortgage credit had a bigger impact on housing prices than vice versa. The relationship between mortgage credit and housing prices disappeared when looking at the economy and mid-end housing markets. Overall, the study suggests that the rising housing prices could potentially lead to a mortgage crisis in the future.