Social housing income eligibility has been significantly increased: singles can now qualify with incomes up to 20 million VND/month, while couples can reach up to 40 million VND/month. Loan interest rates have also dropped to just 5.4%/year, much lower than previous levels. These new regulations expand homeownership opportunities for low-income earners, public servants, and civil servants in major cities, making housing more accessible amid rising living costs and property prices.