Indeed, Global home ownership is declining due to a complex mix of factors. Key issues include rising house prices outpacing income growth, affordability challenges, inadequate housing, and urbanization pressures. In many cities, median house prices have increased faster than household incomes, making it difficult for lower-income groups to afford homes. Additionally, slow supply responses, high construction costs, stringent land use regulations, and inefficient planning systems exacerbate the problem. These factors contribute to a growing housing affordability crisis, impacting social and economic well-being at both individual and macroeconomic levels