Lawyer Chau Duy Nguyen - An Dang Law Office (Ho Chi Minh City Bar Association) - said that to be considered for buying social housing, employees need to fully meet the prescribed conditions, including: For low-income people (if married, the total income of the couple per month does not exceed 30 million VND, confirmed according to the salary table, salary confirmed by the agency, unit, or enterprise where they are working; for single employees, actual monthly income does not exceed 15 million VND); do not often have to pay personal income tax; are subject to housing or have a house but have an average area of less than 15m2/person.
In addition, employees must have a permanent or temporary residence registration for 1 year or more in the locality where there is a social housing project. In case of workers outside the province, there needs to be a certificate of work in the project area. In addition, workers have never been supported by the State for housing and residential land; have never previously bought, rented, or leased social housing.
Lawyer Chau Duy Nguyen also added that normally, the application for social housing purchase includes: Application for social housing purchase; personal documents (identity card/citizen identification card, household registration book or temporary residence registration certificate); Income confirmation (confirmation of the agency or unit where they are working; or salary statement, labor contract with confirmation from the local government for cases of freelance work); Documents proving the housing status (confirmation of not having a house, or having a house but the area below the prescribed level); Commitment to not having enjoyed social housing policies before.
Workers need to prepare a notarized copy, or a photocopy with the original for comparison when submitting the application.
To avoid being scammed by brokers and "land brokers" when buying social housing, Lawyer Chau Duy Nguyen recommends: due to the huge demand for buying social housing, many brokers and brokers take advantage of the psychology of "wanting to buy quickly, with a good price" to lure workers to deposit money, sign handwritten documents...
This is a violation of the law. Workers need to note that they only work with licensed project investors, with clear and public announcements of social housing sales. In addition, absolutely do not transfer money, deposit or sign a sales contract without a document confirming eligibility for transfer from the Department of Construction. In particular, you should not believe in advertisements such as "internal interest rates", "going to the back door"... because it is easy to lose money without having a house. When signing a sales contract, it is necessary to ensure notarization according to legal regulations.
Lawyer Chau Duy Nguyen also shared that workers need to clearly understand the conditions, subjects, and procedures for considering and approving the purchase of social housing. In addition to preparing complete documents, buyers also need to proactively reserve finances corresponding to the value of the apartment. In addition, you must find the right project, the right investor; absolutely do not trust brokers, do not sign handwritten documents, do not transfer money to "keep a spot".
At the same time, workers should monitor notices from the Department of Construction, the Provincial People's Committee or the project investor about the time of receiving documents. Buying social housing is not easy, but if workers prepare carefully and proactively learn information, the opportunity to settle down will be closer than ever.
