[Sticw]

I also suggest something similar before but via the HDB grant. Instead of clawback, the grant to married couples should not be given upfront, but initially as HDB loan. For every kid the couple has, $30k loan is inverted to grant. Just for example, so that a childless couple gets the same treatment as a single.

Good suggestion. Since all birth registering is tied to a residential address. Don't never need to apply for the grant but given once the kid is born.