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Hong Kong and South Korea disagrees with you

In which countries specifically?

If you're European the situation is completely hopeless.

No, he's right. Compare price:income ratio, or mortage as % of income, of countries: https://www.numbeo.com/property-investment/rankings_by_count...

The US has it better than almost anywhere.

Can you explain to me what "Mortgage as a percentage of income" means when it's over 100%?

It means the median mortgage cost per month is higher than the median income per month.