The Ministry of Construction has recently submitted a document requesting the appraisal of the draft Decree amending and supplementing certain provisions of Decree No. 100/2024/NĐ-CP dated July 26, 2024, issued by the Government. This decree provides detailed regulations on several articles of the Housing Law concerning the development and management of social housing. The draft Decree is expected to be submitted to the Government in September 2025.
The Ministry of Construction proposes amendments to Decree 100, aiming to increase income thresholds for purchasing and leasing social housing.
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The dossier has received feedback from 31 entities, including ministries, sectors, and local authorities. The Ministry of Construction has thoroughly reviewed, incorporated, and refined the draft Decree based on the received input.
According to Article 30, Clause 1 of Decree No. 100/2024/NĐ-CP, the income eligibility criteria for purchasing or leasing social housing for individuals specified in Clauses 5, 6, and 8 of Article 76 of the Housing Law are as follows:
For single applicants, the monthly actual income must not exceed VND 15 million, as confirmed by the salary and wage table issued by the employer.
For married applicants, the combined monthly actual income of the applicant and their spouse must not exceed VND 30 million, as confirmed by the salary and wage table issued by the employer.
The income eligibility is determined based on the 12 consecutive months preceding the submission of a valid application to the developer for registering to purchase or lease social housing.
In the revised draft, the Ministry of Construction proposes amendments to the income eligibility criteria outlined in Article 30, Clause 1 of Decree No. 100/2024/NĐ-CP as follows:
For unmarried, divorced (without remarriage), or certified single individuals, the average monthly actual income should not exceed VND 20 million (an increase of VND 5 million from the current regulation).
For married applicants, the combined average monthly actual income of the applicant and their spouse should not exceed VND 40 million (an increase of VND 10 million from the current regulation).
For unmarried, divorced (without remarriage), or certified single individuals raising underage children, the average monthly income should not exceed VND 30 million, as confirmed by the salary and wage table issued by the employer.
The income eligibility is determined based on the 12 consecutive months preceding the submission of a valid application to the developer for registering to purchase or lease social housing.
Currently, the interest rate for social housing loans under Decree No. 100/2024/NĐ-CP is 6.6% per annum, equivalent to the interest rate for loans to poor households as stipulated by the Prime Minister. This rate is higher than those applicable to other programs. The Ministry of Construction also proposes a reduction in the preferential loan interest rate for purchasing or leasing social housing to 5.4% per annum, with an overdue interest rate of 130% of the lending rate.
In the revised draft of Decree 100, the Ministry of Construction proposes amendments to Clauses 1 and 2 of Article 30 regarding income eligibility. Specifically, for individuals specified in Clause 5 of Article 76 of the Housing Law without an employment contract, income eligibility must be confirmed by the local police authority based on the national population database, rather than by the People’s Committee of the ward or commune where the individual is registered.
Within 7 days of receiving the request, the local police authority will confirm the income eligibility based on the national population database.
The Ministry of Construction will revise and supplement the necessary documentation to ensure consistency with the above regulations.
Văn Duẩn
– 12:06 20/09/2025
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