Subjects required to prove income for social housing lease-purchase

Subjects required to prove income for social housing lease-purchase a critical phase for applicants to evaluate their eligibility and prepare accurate dossiers. Identifying the specific subjects required to provide financial proof shortens the appraisal timeline and enhances access to social housing funds. Long Phan Consulting Company provides a technical analysis of the income requirements to ensure a smooth and efficient lease-purchase process under the Law on Housing 2023.

Eligible beneficiaries of social housing support policies

According to Article 76 of the Law on Housing 2023 and the Law on Population 2025, specific groups are entitled to housing support policies.

• Prioritized Groups: These include people with meritorious service to the revolution, relatives of martyrs, and households in rural areas affected by natural disasters or climate change.
  • Long Phan Consulting Company assists in verifying eligibility for poor and near-poor households in both rural and urban areas.
  • Our experts analyze the status of individuals who have returned to public official housing or those subject to land recovery without residential compensation.
  • We support students of universities, academies, and vocational schools, as well as enterprises within industrial zones.
• Income-Based Subjects: Certain beneficiaries must demonstrate their financial status to qualify for social housing lease-purchases.
  • Low-income individuals in urban areas constitute a primary group requiring income verification.
  • Workers and employees in enterprises, cooperatives, and cooperative unions within or outside industrial zones must provide salary proof.
  • Long Phan Consulting Company facilitates the documentation for officers, professional soldiers, and civil servants within the armed forces and cryptography organizations.
• Additional Beneficiaries: Support extends to individuals with two or more biological children.
  • Our team audits the dossiers of cadres and civil servants under the Law on Cadres and Civil Servants.
  • Long Phan Consulting Company provides analytical legal support for subjects whose houses were demolished due to land recovery.
  • We offer strategies for verifying the status of people with meritorious service according to the Ordinance on Preferential Treatment.

Individuals must provide proof of income when renting or purchasing social housing

Not all eligible individuals are required to provide proof of income when accessing social housing. According to point b, clause 1, Article 78 of the 2023 Housing Law, the following individuals must provide proof of income when renting or purchasing social housing:

• Low-income people in urban areas;
• Workers and laborers employed at enterprises, cooperatives, and cooperative unions inside and outside industrial zones;
• Officers, professional soldiers, non-commissioned officers of the People’s Armed Forces, police workers, civil servants, defense workers and officials currently serving in the armed forces; cryptography personnel, and other personnel working in cryptography organizations receiving salaries from the state budget who are currently employed;
• Officials, civil servants, and public employees as defined by the law on officials, civil servants, and public employees.

>>> See more: Current Conditions for Enjoying Social Housing Support Policies

Income requirements for those who must provide proof of income when renting or purchasing social housing

Article 30 of Decree 100/2024/ND-CP, amended and supplemented by Decree 261/2025/ND-CP, has established a specific standard framework for income levels for each group of individuals required to prove income when renting or purchasing social housing, specifically as follows:

This applies if the applicant is unmarried or has been certified as single

Based on point a, clause 1, Article 30 of Decree 100/2024/ND-CP, as amended and supplemented by Decree 261/2025/ND-CP, low-income individuals in urban areas; workers and employees working in enterprises, cooperatives, and cooperative unions inside and outside industrial zones; and unmarried or single officials and civil servants must meet the following income requirements:

• The average monthly net income must not exceed 20 million VND, based on the wage and salary table certified by the agency, unit, or enterprise where the applicant works.
• In cases where the applicant is unmarried or certified as single and raising minor children, their average monthly net income must not exceed 30 million VND, calculated according to the wage and salary table certified by the agency, unit, or enterprise where the applicant works.

In cases where the applicant is legally married

Based on point b, clause 1, Article 30 of Decree 100/2024/ND-CP, amended and supplemented by Decree 261/2025/ND-CP, low-income individuals in urban areas; workers and employees working in enterprises, cooperatives, and cooperative unions inside and outside industrial zones; and married officials, civil servants, and public employees must meet the following income requirements: The applicant and their spouse must have a combined average monthly income of no more than 40 million VND, calculated according to the wage and salary table certified by the agency, unit, or enterprise where the applicant works.

Note the following when determining income requirements for those who must provide proof of income when renting or purchasing social housing

Based on point c, clause 1, Article 30 of Decree 100/2024/ND-CP, as amended and supplemented by Decree 261/2025/ND-CP, the period for determining income eligibility is within 12 consecutive months, calculated from the time the competent authority makes the confirmation.

It should be noted that, according to Clause 2, Article 30 of Decree 100/2024/ND-CP, as amended and supplemented by Decree 261/2025/ND-CP, in the case of low-income individuals in urban areas without a labor contract, they must meet the income requirements as mentioned above and have this confirmed by the commune-level police agency where they reside permanently, temporarily, or currently live.

Within 7 days from the date of receiving the application for verification, the commune-level police agency where the applicant resides permanently or temporarily, or where they reside at the time of the application, shall use the information from the population database to verify the income eligibility.

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

Long Phan Consulting Company provides consulting services on renting and purchasing social housing

Long Phan Consulting Company provides professional expertise in navigating the complex procedures for social housing. We ensure your application is technically sound and fully compliant with housing laws.

• Initial eligibility review and assessment support: We will analyze your application based on criteria such as eligibility, housing conditions, and especially the calculation of average income according to the latest regulations.
• Assistance in drafting and completing applications for social housing rental/purchase: Support in identifying and preparing application forms ranging from income verification and housing status verification to personal identification documents.
• Representing or accompanying you throughout the process of working with the investor and competent state agencies: We closely monitor the progress of application review, explain any arising issues, and protect your legitimate rights.

Frequently Asked Questions About Subjects required to prove income for social housing lease-purchase

Below, Long Phan Consulting Company provides some frequently asked questions regarding subjects required to prove income for social housing lease-purchase. We invite interested customers to refer to this information:

Do poor and near-poor households need to go through the procedure of proving their income?

No. This group only needs documentation proving they belong to a poor or near-poor household according to the government’s poverty standards; there is no specific income limit applied as with low-income earners in urban areas.

Legal basis: Point b, Clause 1, Article 78 of the Housing Law 2023; Clause 3, Article 30 of Decree 100/2024/ND-CP.

What income ceiling applies to officers and professional soldiers of the People’s Armed Forces?

This category is subject to specific conditions. For single individuals, the total income must not exceed that of a Colonel-level officer. If married and both spouses are in the armed forces, the total income must not exceed twice that of a Colonel-level officer; if only one spouse is in the armed forces, the total income must not exceed 1.5 times that of a Colonel-level officer.

Legal basis: Clause 4, Article 30 and Article 67 of Decree 100/2024/ND-CP (amended by Decree 261/2025/ND-CP).

What is the timeframe for verifying income to prove eligibility for support policies?

The average monthly income is determined based on the total income actually received by the applicant over a continuous 12-month period, calculated backward from the time the competent authority or organization verifies the income.

Legal basis: Point c, Clause 1, Article 30 of Decree 100/2024/ND-CP (amended by Decree 261/2025/ND-CP).

How can self-employed individuals without employment contracts prove they have low incomes?

Individuals in this category are responsible for completing the income verification procedure at the commune-level police station where they are registered as permanent residents, temporary residents, or where they are currently residing. After receiving the request, the competent police agency will cross-reference, verify, and utilize information from the national population database and other relevant legal sources to establish the verification process. Income verification will be completed within 7 days from the date the police agency receives all the required valid documents.

Legal basis: Clause 2, Article 30 of Decree 100/2024/ND-CP (amended by Decree 261/2025/ND-CP).

Are single people raising young children eligible for a higher income ceiling?

Yes. To support social welfare, unmarried or single people raising underage children are subject to an average income threshold of no more than 30 million VND/month (higher than the 20 million VND threshold applied to single people without children).

Legal basis: Point a, Clause 1, Article 30 of Decree 100/2024/ND-CP (amended by Decree 261/2025/ND-CP).

Conclusion

Determining the correct subject category and meeting income conditions are the prerequisite steps to owning social housing. Professional support is essential for handling complex verification dossiers. For timely and expert legal assistance, contact Long Phan Consulting Company via hotline 1900636389