Our housing problem is a highly complicated issue.
It is true. I think we should change some policies.
Right. Like our LPF program. The mortgage size is linked with the amount of savings households have accumulated on their LPF accounts.
Indeed, it's unfair. Households with higher salaries receive larger LPF contributions and thus qualify for larger loans. Lower-income households, on the other hand, can only get smaller loans, or perhaps nothing if they could not afford to purchase any housing.