Force to take drastic measures
Mr Tan’s monthly income is $8k and his wife is $7k. Pretty comfortable income for a young couple. They also have a nice saving of a few hundred thousands which they will need for raising a family, the unplanned hospital bills, children’s education and retirement. They are thrifty and very careful with their money.
They could cough out everything to buy a cheap private apartment. But it will mean that they will have to start saving again, and it is going to be slower as the mortgage repayment is going to be substantial. Being prudent and prepared for the vagaries of life and how misfortune can strike, the Tans are not comfortable to squander all their nest eggs at a go for a private property as they are barred from buying HDB. They are still renting a small room from a PR.
Mr Tan has decided that they should get a HDB flat to start a family of their own. In order to qualify, Mrs Tan would have to quit her job temporarily to be eligible to buy HDB based on just one income. The difference in savings from buying a HDB instead of a private apartment is so huge that it makes economic sense to do so. Mrs Tan could do some private tuition for the time being or some part time jobs.
This is the only logical and legitimate way to beat a silly system. The Tans and many other professionals would have to take such drastic measures because the system is so unyielding and dead set to rob them of their hard earned savings. Why should these people be forced into such a situation?