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 presented to the Government in September 2025.
The Ministry of Construction proposes amendments to Decree 100, aiming to increase the income threshold for purchasing and renting social housing.
The dossier has received feedback from 31 entities, including ministries, sectors, and local authorities. The Ministry of Construction has carefully reviewed, incorporated, and refined the draft decree based on this input.
According to Article 30, Clause 1 of Decree No. 100/2024/NĐ-CP, the income eligibility criteria for purchasing or renting 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 income must not exceed VND 15 million, as confirmed by the salary and wage table issued by their employer.
For married applicants, the combined monthly income of the applicant and their spouse must not exceed VND 30 million, as confirmed by the salary and wage table issued by their respective employers.
The income eligibility is assessed over a 12-month period immediately preceding the submission of a valid application to the developer for purchasing or renting social housing.
In the proposed amendments, the Ministry of Construction suggests revising the income eligibility criteria under Article 30, Clause 1 of Decree No. 100/2024/NĐ-CP as follows:
For unmarried, divorced, or certified single individuals, the average monthly income should not exceed VND 20 million (an increase of VND 5 million from the current regulation).
For married applicants, the combined average monthly 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, 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 their employer.
The income eligibility is assessed over a 12-month period immediately preceding the submission of a valid application to the developer for purchasing or renting 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 offered under other programs. The Ministry of Construction proposes reducing the preferential loan interest rate for purchasing or renting social housing to 5.4% per annum, with an overdue interest rate of 130% of the lending rate.
In the draft amendments to Decree 100, the Ministry of Construction suggests revising and supplementing Clauses 1 and 2 of Article 30 regarding income eligibility. Specifically, for individuals under Clause 5 of Article 76 of the Housing Law without an employment contract, income eligibility must be confirmed by the local police authority instead of the People’s Committee of the ward or commune where the individual is registered.
The local police authority will verify income eligibility within 7 days of receiving the application, based on the National Population Database.
The Ministry of Construction will revise and supplement the necessary documentation to ensure consistency with these regulations.
How is the Ministry of Construction Managing Its Budget?
In the 2025 public investment capital plan, the Prime Minister allocated 82.555 trillion VND to the Ministry of Construction. However, as of August, the ministry has disbursed only over 30.300 trillion VND, reaching nearly 37% of the target. This delay is attributed to several bottlenecks, including slow land clearance, shortages of construction materials, contractor sluggishness, and untimely commencement procedures.
Revised Title: Amending Income Eligibility Criteria for Purchasing or Leasing Social Housing
The Ministry of Construction has proposed amendments to Decree 100, aiming to increase the income threshold for purchasing or leasing social housing, lower loan interest rates, and streamline administrative procedures.
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