People with income under 15 million have difficulty accessing social housing

Ms. Linh said that it is difficult to access social housing even though both husband and wife's income is less than 15 million VND/month. According to the female employee, in addition to income, to be approved to buy a house, many other factors must be met.

“Previously when we needed to buy social housing, the broker required us to have a household registration in Hanoi for at least 5 years, pay 30% of the house value in advance when approved and pay 50% in full when discussing. deliver. We have to prepare money for the application but we don't know if it will be approved or not" - Ms. Linh said.

With the couple's income of 25 million VND/month, after deducting all living expenses, the children only have about 10 million VND/month left. Ms. Linh herself calculated that if her income did not increase, the couple would have to repay the debt for 15 years if they could buy an apartment of 50 square meters.

Ms. Linh proposed that for the Housing Law 2023, authorities need to more tightly control the process and procedures for buying social housing. Registration and receipt of red books need to be transparent and clear. At the same time, there should be many apartments with an area of ​​less than 40m2 or lower prices so that average income people have many options and are willing to buy.

However, according to Ms. Linh, as long as she is successfully approved to buy a house, she is willing to borrow from relatives and banks. The female employee said that the current number of social housing is extremely low, while the demand for buyers is much greater, making it difficult to get applications approved.

Mr. Nguyen Van Nguyen (34 years old, living in Nam Tu Liem district, Hanoi) shared that if you only rely on income, it will be very difficult to buy social housing.

Currently, Mr. Nguyen said that both husband and wife are state civil servants. After the recent base salary increase, the total income is not more than 23 million VND/month. According to Mr. Nguyen, relying on income to consider the basis for buying social housing is still quite inadequate because it will not reach the right people.

"Many people are willing to hire low-income people to register to buy and then resell to them" - Mr. Nguyen said about the proposal, adding that income under 15 million VND includes all jobs, not just the main job. Only then, according to Mr. Nguyen, can we avoid speculation and profiteering.