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Six months later, they applied for a public housing flat in the city-state. Long waits for new apartments to be built and rising costs of living are causing Singapore citizens to make long-term decisions about life and money early in their relationships. Recent research indicates marriage rates have risen among younger Singaporeans, and so have rates of divorce. Most units are spacious, well-maintained, and in convenient locations close to public transportation, eateries and shopping malls.

Their resale values have surged more than 80 per cent since , creating wealth for many Singaporeans. That has also sparked a national debate about housing affordability for first-time home buyers and lower wage earners. Tuesday, 12 pm. Get an exclusive analysis of real estate and property news in Singapore and beyond.

Singapore citizens can buy less costly new flats and receive generous housing grants from the government. Those below the age of 35 must be engaged, married, have children or apply with other family members to qualify. Young people are informally proposing to their partners and forking out as much as 20 per cent down payments to reserve flats years before they are built. Kum said she met her boyfriend in June , and the combined salary cap and long waiting time for new flats led her to bring up the housing discussion early on.

The social contract has started to fray. Over the period they analysed, which included the years leading up to to , the marriage rate for women aged 25 to 29 rose from 45 per cent to almost 60 per cent. The marriage rate for men aged 30 to 34 rose from 22 per cent to 37 per cent, according to the study. The study said a possible explanation is that the BTO scheme might have rushed marriage decisions. The researchers reviewed data for about two million individuals, he noted. The HDB declined to comment.