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 .   Like you and me ! 