[ValentineC]

> Couples can generally only afford to move out into their own apartments in their thirties

It's also a cultural thing. Most people can afford to rent in their twenties, but plenty of families discourage it.

Subsidised public housing is available to married couples, and to singles 35 and above — but the wait time for new public housing with a 99-year lease is 3-4 years [1], which probably also affects the birth rate.

[1] https://www.hdb.gov.sg/cs/infoweb/about-us/news-and-publicat...