When fictional value becomes real debt

Up to 10% of home equity withdrawn in boom - Dan O’Brien -> irishtimes.com/newspaper/fin … 69374.html

Central Bank Publishes Research on Irish Non-Financial Corporations Debt Levels and Housing Equity Withdrawal Trends ->
centralbank.ie/press-area/pr … rends.aspx

Am I missing something or is that a completely misleading headline. The headline refers to 10% of home equity while the article refers to 10% of disposable income. Presuming the latter was what they meant then presumably the headline is wrong (unless they are suggesting that disposable income=housing equity, which is highly unlikely).