This definitely happens. It's like giving cheap loans to young couples who are having their first child, which was introduced in Hungary. But without more available housing, the market simply prices it in that suddenly people are able to pay more using this cheap credit, and supply and demand just makes it settle at a higher price.

Credit is basically a loan from the future. Except that's obviously impossible. Time travel doesn't exist, so it's just economic fiction. In the end the math has to add up in terms of real material goods and services right now. People can only reshuffle the goods among themselves, any trade with the future may be a useful fiction to simplify accounting but is obviously just fiction.

This is a bit like saving money for your retirement. It's a fiction. If there aren't enough young people working as nurses to put you in your diapers, then there simply aren't. A pensioner is not using the goods that they made decades ago. Their work dissipated there and then, and now decades later the only value they can consume is the one generated in real time by the actually existing working population.