Proposal for Ward Police to Certify Income for Social Housing Purchases
The Ministry of Construction has proposed that low-income urban residents without labor contracts should obtain income certification from the local police instead of the commune/ward People’s Committee as currently required. This proposal is outlined in the draft amendment and supplement to Decree 100/2024, which details certain provisions of the Law on Social Housing.
The Ministry of Construction has proposed that low-income urban residents without labor contracts should obtain income certification from the local police instead of the commune/ward People’s Committee as currently required. This proposal is outlined in the draft amendment and supplement to Decree 100/2024, which details certain provisions of the Law on Social Housing.
Accordingly, low-income individuals in urban areas without labor contracts must meet the stipulated income requirements and obtain certification from the police at their place of permanent/temporary residence or current residence.
Within 7 days of receiving the application, the commune-level police will verify income eligibility based on information in the National Population Database.
The Ministry of Construction will also amend and supplement the required forms of documentation to ensure consistency with the new regulations.
Under the current regulations, the commune-level People’s Committee where the applicant is registered for permanent or temporary residence is responsible for certifying income eligibility.
Explaining the change, the Ministry noted that commune-level People’s Committees do not have access to population data to serve as a basis for income verification, creating difficulties in implementation. This issue has been reported by many localities, including Hanoi, Thanh Hoa, Da Nang, Can Tho, and Quang Ninh.
Previously, Prime Minister Pham Minh Chinh also tasked the Ministry of Public Security with upgrading the population database to include information for evaluating eligibility for purchasing or renting social housing, aiming to reduce administrative procedures. This was raised at the national online conference on social housing in March.
A social housing project in Bac Ninh province. Photo: Bac Ninh e-Portal
In the draft, the Ministry also proposed raising the maximum income threshold for individuals buying social housing to VND 20 million per month, an increase of VND 5 million compared to the current regulation. For couples, the maximum combined income would be VND 40 million.
For single individuals (unmarried, divorced but not remarried, or confirmed as single parents raising minor children), the maximum monthly income eligible for purchasing social housing is proposed at VND 30 million. Income will be calculated based on salary and wage records verified by the employer or relevant agency.
The draft also proposes reducing the preferential loan interest rate for social housing purchases to 5.4% per year. Loan interest rates for building, renovating, or repairing homes would align with those applied to low-income households. Currently, buyers of social housing projects enjoy a loan rate of 5.9% per year (from July 1 to December 31, 2025). For developers, the current rate is 6.4% per year.
According to a report by the Ministry of Construction, after three years of implementing the program to build at least one million social housing units, 692 projects with more than 633,000 units have been launched nationwide. Of these, 146 projects have been completed, delivering over 103,000 units. In just the first 7 months of this year, nearly 37,000 units were completed — equivalent to 80% of last year’s total and seven times higher than in 2022.
Source: VNExpress