Commentary Buying a house or apartment in Australia is about to become harder, especially for those who already find it hard. It’s not because there is any prospect of interest rates increasing in the foreseeable future. On the contrary, the Reserve Bank of Australia sets the key cash rate that does more than any other interest rate to influence the cost of home loans—and the Bank has got it nailed to the floor. And it’s not just because prices are rising—though they clearly are. As just reported by property data company CoreLogic, prices on average across the nation rose by another 1.5 percent in September and 20.3 percent in the year to September. Those who watch housing markets closely expect further increases. It may seem a paradox when the economy is under lockdown stress, but there is no doubt that housing is in a boom. Instead, life will become harder …