The cost of housing in many urban parts of India has becomes so excessive that many young couples, with aboveaverage salaries, can only afford small apartments. EMI and rent commitments are so huge that they cannot consider the possibility of starting a family since a new baby would probably mean either the mother or father giving up a wellpaid position - something they can ill afford. The lack of or great cost of child-care facilities further precludes the return of both parents to work. 

Which of the following adjustments could practically be made to the situation described above which would allow young couples to improve their housing prospects ?