The attempt to understand the subprime crisis (gets the best answer)?

I have one question about the subprime crisis. From what I understand, was the subprime crisis as banks where the provision of adjustable mortgages that started the low monthly payments and then, after about 5 years ago, they were increased to make a difference. After this period of 5 years, we realized that they had not ruled out the monthly payments and mortgages. It was not a problem because we do not have these types of mortgages, either because the credit was for the bulk processing this loan? I also read that he fell as interest rates and home values ​​were between 2004-2005 is the incentive to buy a house was great, but I do not know why interest rates decrease house values ​​and why would that time was up? I appriciate all your answers, and I’ll get better response if you desire!

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