BofA knows that there is a housing collapse coming. BofA knows that someone with no money down will walk away from the property as soon as property values decline and the owners owe more on the mortgage than the house is worth. BofA is making these loans in the hopes they will be able to foreclose on the property.

The WEF's plan is to acquire all the affordable housing out from under first time homebuyers, forcing them to stay renters. When the collapse happens, the WEF cronies (ie Bof A and Blackrock) will raze the housing that they own in rural areas and suburbs, thus forcing people into cities, where the people can be easily monitored by "smart city" systems.

The WEF goal is that "you'll own nothing and be happy." They'll make sure you own nothing by destroying your credit rating with a foreclosure.