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I'm not talking about house boats here, liquidity basically means how easy it is to buy or sell when you want to. There are many buyers and sellers, transaction costs are low and you can trade almost instantaneously. There are always a very limited number of properties on the market compared to all the homes out there.

In short, we are as close as we've ever been to a consensus that Australia has a property bubble, or at least extremely overvalued markets in its two biggest cities.

But that's where the agreement between the mainstream and the housing doomsayers ends.

That puts us in a podium position globally when it comes to housing and personal debts, mainly property.

It also makes households very vulnerable to any rise in interest rates, any tightening in lending standards that cuts off their access to refinancing or extra credit, any increase in other costs (such as fuel, taxes or inflation caused by a falling Aussie dollar) or any increase in unemployment.

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  1. Norway is usually associated with fish, oil, fjords and high pensions, as well as with Vikings, trolls and other legendary creatures. One Norwegian writer described his compatriots as “stubborn people by nature who want world peace and appreciate their own freedom”.