I really disagree with this statements. If it is not because of 10% downpayment + other fees, I would have bought my first house much earlier by now. In fact, installment is never a problem for many people, even for those who just started working.

Saving money is not easy especially low income group, but finding a way to allocate money for something is a lot easier. If gov doesn't help this group, by the time they've enough saving, all the properties has already been grabbed by investors, and as the price increase, deposit also increase or they have to buy properties further away from work place.