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That addresses residential supply (in a very limited manner, not may families want to live in a granny flat). What about logistics and infrastructure? More apartments doesn't help public transport and traffic congestion.

This is an excellent point. You're in a position where you're forced to save what's effectively an extra 1% of the purchase price for the first 5 years of property ownership, lenders will be compelled to account for this in their affordability calculations. I agree that the biggest...