Australia Household Debt 190% | Every Country at This Level Collapsed скачать в хорошем качестве

Australia Household Debt 190% | Every Country at This Level Collapsed

Australia Household Debt 190%—Every Country at This Level Collapsed Australia's household debt-to-income ratio just hit 190 percent in Q3 2025—the highest level ever recorded outside of crisis conditions. For every dollar of disposable income, Australian households now owe $1.90 in mortgage debt, credit cards, and personal loans. This documentary reveals why no developed economy has ever sustained household debt above 180 percent without either forced deleveraging through defaults, decade-long central bank intervention, or housing price corrections exceeding 20 percent. Denmark reached 247 percent in 2009 and required negative interest rates for over a decade while house prices fell 25 percent over five years. The Netherlands hit 223 percent in 2011 and needed fourteen years of ECB support and policy reforms to deleverage to 192 percent. The United States peaked at 134 percent in 2007—far below Australia's current level—and experienced the 2008 financial crisis with 33 percent house price declines and $700 billion in bank bailouts. We examine the Reserve Bank of Australia's rate hikes from 0.1 percent to 4.35 percent forcing variable mortgage rates from 2.5 percent to 6.8 percent—a 66 percent payment increase crushing households. Debt service ratios now consume 18.4 percent of disposable income, the highest since 1988. Mortgage arrears rose from 0.71 percent to 1.18 percent in three years. Sydney median house prices reached AUD $1.48 million against median income of AUD $110,000—a 13.5:1 ratio triple historical sustainable levels. Canada, New Zealand, Sweden, Norway, Switzerland, and South Korea all face similar household debt extremes. This analysis reveals the mathematical impossibility of sustaining these ratios, the binary policy choices facing central banks, and what breaks first when household debt exceeds the point of no return. Subscribe for crisis analysis revealing systemic thresholds where economies enter zones of vulnerability requiring intervention or accepting forced deleveraging. #AustraliaDebt, #HouseholdDebt, #MortgageCrisis, #HousingBubble, #DebtToIncome, #ReserveBankAustralia, #SydneyHousing, #MelbourneProperty, #CanadaDebt, #SwitzerlandDebt, #SouthKoreaDebt, #DenmarkCrisis, #NetherlandsDebt, #HousingCrash, #MortgageStress, #DebtCrisis, #SystemicRisk, #PropertyBubble, #CentralBanks, #FinancialCrisis, #EconomicCollapse, #RealEstateCollapse, #InterestRates, #NegativeRates, #Deleveraging,