Current Conditions for Enjoying Social Housing Support Policies

The Current Conditions for Enjoying Social Housing Support Policies is a topic of special interest to many policy beneficiaries in the context of increasing housing demand. This is one of the State’s important social security policies aimed at supporting those with housing difficulties, contributing to ensuring stable living standards and sustainable socio-economic development. This article by Long Phan Consultants will analyze these regulations in detail to help clients understand and prepare the necessary documents.

Eligible beneficiaries of social housing support policies

Based on Article 76 of the Law on Housing 2023, as amended by Point a, Clause 3, Article 29 of the Law on Population 2025, the subjects entitled to social housing support policies include:

1. Persons with meritorious services to the revolution and relatives of martyrs eligible for housing improvement support.
2. Poor and near-poor households in rural areas.
3. Poor and near-poor households in rural areas frequently affected by natural disasters and climate change.
4. Poor and near-poor households in urban areas.
5. Low-income earners in urban areas.
6. Workers and laborers working at enterprises, cooperatives, and unions of cooperatives inside and outside industrial zones.
7. Officers, professional military personnel, non-commissioned officers of the People’s Armed Forces, public security workers, defense officials/workers on active duty; cipher workers receiving salaries from the state budget.
8. Cadres, civil servants, and public employees according to the law.
9. Subjects who have returned official residence (except for cases of recovery due to violations).
10. Households and individuals subject to land recovery and housing clearance/demolition without State compensation in housing or residential land.
11. Students of universities, academies, colleges, vocational schools, and specialized schools; students of public ethnic boarding schools.
12. Enterprises, cooperatives, and unions of cooperatives in industrial zones.
13. Persons with 02 or more biological children.

>>>See more: Exemption from Land Use Levy when Selling Social Housing

Conditions for receiving social housing support policies.

According to Article 78 of the 2023 Housing Law, as amended and supplemented by Article 29 of Decree 100/2024/ND-CP and Clause 2, Article 14 of Decree 140/2025/ND-CP, to be eligible for social housing support policies, customers need to meet the housing and income requirements. Specifically, these are as follows:

Housing conditions

According to Article 78 of the Law on Housing 2023 (amended by Article 29 of Decree 100/2024/ND-CP and Clause 2, Article 14 of Decree 140/2025/ND-CP), to enjoy support, clients must meet Housing Conditions and Income Conditions.

Subjects listed in Clauses 1, 4, 5, 6, 7, 8, 9, 10, and 13 of Article 76 must meet the following:

• Case 1: Not owning a house.
  • The subject and their spouse (if any) must not be named in the Certificate of Land Use Rights and ownership of assets attached to land in the province/city where the project is located at the time of application submission.
  • Verification: The Land Registration Office must verify this within 07 days of receiving the request.
• Case 2: Owning a house but with limited area.
  • The subject owns a house, but the average housing area per capita is lower than 15m² floor/person.
  • This is calculated based on the applicant, spouse, parents (if any), and children (if any) registered for permanent residence at that house.
  • Verification: The Commune-level People’s Committee verifies this within 07 days.

Income requirements

To be eligible, subjects must meet specific income ceilings:

General subjects (Low-income earners, workers, civil servants):

• Single/Unmarried: Average monthly income not exceeding 20 million VND.
• Single with minor children: Average monthly income not exceeding 30 million VND.
• Married: Total average monthly income of the applicant and spouse not exceeding 40 million VND.
• Note: Income is calculated based on the salary/wage table confirmed by the employer for the preceding 12 months.

Poor or Near-Poor Households:

• Must meet the Government’s poverty standards (e.g., Urban Poor: Income ≤ 2,000,000 VND/person/month and lacking 3+ basic social services).

For individuals who do not have an employment contract.

According to Clause 2, Article 1 of Decree 261/2025/ND-CP amending Clauses 1 and 2, Article 30 of Decree 100/2024/ND-CP guiding the Housing Law, in the case of subjects specified in Clause 5, Article 76 of the Housing Law, who are low-income individuals in urban areas, if they do not have an employment contract, they must meet the income requirements as prescribed and this must be confirmed by the commune-level police agency where they reside permanently, temporarily, or currently.

Specifically, as stated:

• For unmarried individuals or those certified as single: average monthly income must not exceed 20 million VND, based on the wage and salary table certified by the agency, unit, or enterprise where the individual works.
• For unmarried individuals or those certified as single who are raising children under the age of 18, the average monthly net income received must not exceed 30 million VND, calculated according to the wage and salary table certified by the agency, unit, or enterprise where the individual works.
• Married individuals: The total income of both spouses must not exceed 40 million VND, based on the wage and salary table certified by the agency, unit, or enterprise where the individual works.

The subjects are members of the People’s Armed Forces.

Based on the provisions of Clause 7, Article 76 of the Housing Law 2023, and Article 67 of Decree 100/2024/ND-CP amending and supplementing Clause 5, Article 30 of Decree 261/2025/ND-CP:

For single people:The actual monthly income received shall not exceed the total income of an officer with the rank of Colonel (including basic salary and allowances as prescribed) as confirmed by the agency or unit where they work and manage.

For married people:

• In cases where both the applicant and their spouse fall under the categories specified in Clause 7, Article 76 of the Housing Law, their total monthly net income must not exceed 2.0 times the total income of an officer with the rank of Colonel (including basic salary and allowances as prescribed), as confirmed by the agency or unit where they work or manage.
• If the applicant’s spouse does not fall under the category specified in Clause 7, Article 76 of the Housing Law, their total monthly net income must not exceed 1.5 times the total income of an officer with the rank of Colonel (including basic salary and allowances as prescribed), as confirmed by the agency, unit, or enterprise where the applicant works.
• In cases where the applicant’s spouse falls under the category specified in Clause 5, Article 76 of the Housing Law and does not have an employment contract, the income verification shall be carried out in accordance with Clause 2, Article 30 of this Decree 100/2024/ND-CP, as amended by Clause 2, Article 1 of Decree 261/2025/ND-CP.

How to prove income to buy social housing.

Pursuant to Circular 05/2024/TT-BXD (amended by Circular 32/2025/TT-BXD):

• Employees with contracts/Civil servants: Submit a photocopy of the Wage/Salary Table for the 01 year preceding the application submission.
• Employees without contracts: Submit a Declaration of Income Condition confirmed by the Commune/Ward People’s Committee confirming they are low-income earners.
• Married applicants: The spouse must also declare and prove their income conditions.

>>>See more: Income Conditions for Beneficiaries of Social Housing Policies

Application for purchasing social housing

Based on available project information, households/individuals submit dossiers directly to the project developer. The dossier includes:

1. Application form for buying social housing (Form No. 01, Decree 100/2024/ND-CP, amended by Decree 261/2025/ND-CP).
2. Documents proving the eligible subject status.
3. Documents proving income conditions.
4. Documents proving housing conditions.

• Note: For low-income earners in urban areas without labor contracts or households subject to land recovery, specific confirmations from the Commune People’s Committee are required.

Social housing policy consulting services at Long Phan Consulting

Long Phan Consultants provides comprehensive solutions for individuals wishing to access social housing policies. Our experts assist with:

• Eligibility Assessment: Analyzing income and housing status to determine the probability of approval.
• Due Diligence: Checking the legal status of the social housing project and the developer’s capacity.
• Document Preparation: Drafting application forms, proof of subject/income/housing, and guiding the preparation of a complete dossier.
• Contract Review: Advising on terms within the sales/lease-purchase contract.
• Representation: Working with administrative agencies to obtain necessary confirmations and handling explanations if dossiers are returned.
• Financial Advice: Consulting on preferential loan packages from the Bank for Social Policies.

Frequently Asked Questions about eligibility for current social housing support policies

Below are some frequently asked questions regarding the eligibility requirements for current social housing support policies that you may refer to:

Which agency verifies income for individuals without employment contracts?

According to Article 30 of Decree 100/2024/ND-CP, amended by Decree 261/2025/ND-CP, in the case of low-income urban residents without a labor contract, they must meet the income requirements and have their income confirmed by the commune-level police agency where they reside permanently, temporarily, or currently.

What types of documents are accepted to prove income?

According to point c, clause 1, Article 38 of Decree 100/2024/ND-CP, accepted documents include salary slips, bank account statements, income confirmation from the agency/unit, or confirmation from the People’s Committee at the commune level.

Is land use fee payable when transferring ownership of social housing?

According to Point e, Clause 1, Article 89 of the 2023 Housing Law, as guided by Article 42 of Decree 100/2024/ND-CP, when reselling social housing (in the form of individual houses) after the prescribed 5-year period, in addition to the fees stipulated by law, the seller must pay 50% of the land use fee as prescribed by land law. The time of calculating the land use fee is the time of submitting a valid application for recognition of land use rights as prescribed by land law.

Do self-employed individuals need to prove their income to purchase social housing?

Yes. According to point c, clause 1, Article 38 of Decree 100/2024/ND-CP, self-employed workers need to provide a certificate of income issued by the People’s Committee of the commune within the last year prior to the date of application.

What conditions must be met to be eligible for preferential loans to buy or rent-to-own social housing?

According to Clause 1, Article 48 of Decree 100/2024/ND-CP, to be eligible for preferential loans to purchase or lease-purchase social housing, the following conditions must be met:

• Having a source of income and the ability to repay the loan as committed to the Social Policy Bank;
• There is a loan application form for purchasing or lease-purchasing social housing.
• There is a contract for the purchase or lease-purchase of social housing with the investor in accordance with the provisions of this Decree and the law on housing;
• Loans must be secured by assets formed from the loan capital in accordance with the law. The Social Policy Bank, the investor, and the borrower must clearly specify the method of managing and handling the collateral in the tripartite contract.

Conclusion

Understanding the income conditions and necessary documentation is the first step to successfully registering for social housing.

If you have any questions or need detailed advice, please do not hesitate to contact Long Phan Consulting Company via Hotline: 1900636389 for timely support.