Sending his opinion to the Ministry of Construction, citizen B.T.X reflected: "I am a lawyer and also a young citizen under the age of 35 who is looking forward to accessing a policy to support the purchase of social housing.
However, through research on Decree No. 100/2024/ND-CP dated July 26, 2024 of the Government detailing a number of articles of the Housing Law on the development and management of social housing, I found that the provisions in Article 30 on income conditions for social housing buyers still have some shortcomings: In cases of single people, the actual income received is not more than 15 million VND/month. In case of marriage, the total actual income of the couple is not more than 30 million VND/month.
I think that determining conditions based on total actual income does not fully and fairly reflect the actual level of difficulty of each case.
For example, an individual with an income of more than 15 million VND/month but having to raise young children, care for elderly parents without pensions, clearly has more difficult circumstances than a single person without dependents, even though this person's income is less than 15 million VND.
Therefore, I propose that the Government consider adjusting the method of determining income conditions when considering purchasing social housing in the direction of: Applying the "taxable income" basis instead of actual received total income, in order to more closely reflect the actual payment ability after deducting deductions for dependents according to the provisions of the law on personal income tax.
The current tax sector database system is capable of checking and verifying people's taxable income in a transparent, convenient and accurate manner. Therefore, the use of taxable income will help the process of appraisal documents become more fair and objective"
Regarding the content of citizens' reflections, on November 11, on the Electronic Information Portal, the Ministry of Construction informed about the response of the Department of Housing and Real Estate Market Management.
Accordingly, the Department of Housing and Real Estate Market Management, Ministry of Construction has the following response:
On October 10, 2025, the Government issued Decree No. 261/2025/ND-CP amending and supplementing a number of articles of Decree No. 100/2024/ND-СР dated July 26, 2024 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 dated July 1, 2025 of the Government detailing a number of articles and measures to implement Resolution No. 201/2025/QH15 dated May 29, 2025 of the National Assembly on a number of pilot mechanisms and policies for the development of social housing.
Accordingly, Clause 2, Article 1 of Decree 261/2025/ND-CP has amended and supplemented Clause 1 and Clause 2, Article 30 of Decree No. 100/2024/ND-CP as follows:
Article 30. Income conditions:
1. For subjects specified in Clauses 5, 6 and 8, Article 76 of the Housing Law, the following income conditions must be ensured:
a) In case the plaintiff is unmarried or confirmed single, having an actual average monthly income of not more than 20 million VND shall be received according to the Salary and Salary Table confirmed by the agency, unit or enterprise where the subject works. In case the petitioner is an unmarried person or is confirmed to be single and raising a child under the age of majority, the actual average monthly income received shall not exceed 30 million VND as calculated in the Salary Table, confirmed by the agency, unit or enterprise where the subject works.
b) In case the plaintiff is married according to the provisions of law, the plaintiff and his/her husband (husband) with a total average monthly income shall receive no more than 40 million VND in equity according to the Salary and Salary Table confirmed by the agency, unit, or enterprise where the subject works.
c) The time to determine income conditions as prescribed in Point a, Point b of this Clause is within 12 consecutive months, calculated from the time the competent authority implements the confirmation.
d) Based on the conditions and income levels of each area in the area, preferential housing policies for cadres, civil servants, and public employees, and the number of dependents as prescribed by law, the Provincial People's Committee may decide on the coefficient for adjusting the income level prescribed in Point a and Point b of this Clause but not exceeding the ratio of average income per capita in the locality compared to the average income per capita of the whole country; decide on policies to encourage access to social housing for beneficiaries of social housing support policies with three (03) dependents or more in the same household.
Thus, according to the new regulations, the income condition when purchasing social housing has been adjusted from 15 million VND to 20 million VND for single people who are not married; single people who are raising children under the age of majority will receive an average monthly income of no more than 30 million VND, single people and their spouses with a total monthly average income of no more than 40 million VND according to the Salary and Salary Table.
The Ministry of Construction welcomes citizens' comments and sends feedback for citizens to update information.
