Inflating her income just to get a large bank loan

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I have a colleague who manages to get a large housing loan because she inflates her income. She cannot inflate her income from her full time job. She cannot falsify pay slips because the bank will call the human resource department to check on her actual salary. However, she can declare that she has side income. She declares that she provides private tuition service, and that she earns a side income of a few hundred dollars from the activity. I know that she does not have side income. She is too lazy to work an extra ounce for anyone. She rather spends all her time in the evening playing games in Facebook. Inflating income to get bank loan sounds smart. However, she has to pay more in mortgage every month. I wonder why she wants to get a big apartment instead of a smaller one.