Amending the decree on social housing: More convenience for buyers and businesses

(Chinhphu.vn) - On the afternoon of October 10, Deputy Prime Minister Tran Hong Ha chaired a meeting to listen to a report on the draft Decree amending and supplementing a number of articles of Decree No. 100/2024/ND-CP of the Government detailing a number of articles of the Housing Law on the development and management of social housing and Decree No. 192/2025/ND-CP detailing a number of articles and measures to implement Resolution No. 201/2025/QH15 of the National Assembly on piloting a number of specific mechanisms and policies for social housing development.

Deputy Prime Minister Tran Hong Ha chaired a meeting to listen to a report on amending the decree on social housing - Photo: VGP/Minh Khoi

According to the report of the Ministry of Construction , one of the important highlights of the draft Decree is the amendment and supplementation of regulations on land use obligations of investors, allowing payment instead of having to directly reserve 20% of the land fund in the project to build social housing.

This move is expected to overcome existing shortcomings, while ensuring transparency, fairness and targeting in the implementation of the social housing program.

The draft stipulates that the land use fee for the entire project is still determined according to current land law regulations. The additional payment for the 20% residential land area approved for equivalent payment will be calculated at 3%/year of the land use fee for this area according to the progress of completion of the approved technical infrastructure system of the project.

This regulation will limit the situation where businesses take advantage of paying money instead of allocating land funds and at the same time create a stable resource for developing social housing funds. In addition, the calculation method linked to infrastructure progress helps ensure fairness and avoid budget losses.

The draft amendment to Decree 100/2024/ND-CP also focuses on clarifying income conditions for people when participating in purchasing or leasing social housing. According to the proposal, the income ceiling for consideration to purchase or lease social housing will be raised to 20 million VND/month for individuals, 40 million VND/month for couples and 30 million VND/month for single individuals who are raising children under the age of majority.

Based on the conditions and income levels of each area, the Chairman of the People's Committee of the provinces and centrally-run cities decides on adjustments to the subjects eligible to buy or rent-purchase social housing.

Notably, those without a labor contract can still access social housing but must have confirmation from the commune-level police based on the population database. Compared to current regulations, this proposed level is closer to the actual income and living conditions of the people.

The interest rate for loans to buy or hire-purchase social housing is regulated at 5.4%/year. In case it is necessary to change the loan interest rate, relevant agencies must report and submit it to the Prime Minister for consideration and decision.

At the meeting, the Ministry of Construction asked for opinions on the criteria for selecting investors to build social housing projects in cases where there are two or more investors with sufficient capacity and conditions to carry out the project. The Deputy Prime Minister said that in this case, it is necessary to organize the selection of contractors openly and transparently.

The Deputy Prime Minister assigned the Ministry of Construction to urgently complete the draft, review all contents, complete the submission and related documents to submit to the Prime Minister for signing and promulgation of the Decree - Photo: VGP/Minh Khoi

The Deputy Prime Minister noted that the Ministry of Construction needs to supplement incentive policies and create conditions for access to social housing for multi-generational families and nuclear families with three or more children.

The Deputy Prime Minister assigned the Ministry of Construction to urgently complete the draft, review all contents, complete the submission and related documents to submit to the Prime Minister for signing and promulgating the Decree amending and supplementing a number of articles of Decree No. 100/2024/ND-CP of the Government detailing a number of articles of the Housing Law on the development and management of social housing and Decree No. 192/2025/ND-CP detailing a number of articles and measures to implement Resolution No. 201/2025/QH15 of the National Assembly on piloting a number of specific mechanisms and policies for social housing development.

Minh Khoi

Source: https://baochinhphu.vn/sua-nghi-dinh-ve-nha-o-xa-hoi-thuan-loi-hon-nua-cho-nguoi-mua-doanh-nghiep-102251010154501966.htm