Elisa longs for a home of her own. The thirty-year-old lives with her parents and is saving up to buy a property. Her main obstacle is coming up with the initial outlay. “Properties these days are quite expensive and there are other expenses such as t h e stamp duty charges. But now that the home Ownership Campaign (HOC) is back, I may move forward with my plans to buy a house, as the incentives are quite attractive,” she says.