(Dan Tri) - Social housing has had many problems resolved but still needs cooperation from many sides. In particular, experts believe that the State needs to play a leading role in land allocation, capital, implementation procedures...
At the event "For a million Vietnamese families", Dr. Can Van Luc - Economic expert, member of the National Financial and Monetary Policy Advisory Council - said that for social housing to develop, the cooperation of "4 houses" is needed, including the State, banks, investors and households.
Regarding the State, Mr. Luc said that the Central and local governments are responsible for planning, land funds, social infrastructure, determining local needs accurately to avoid surplus or shortage, and confirming procedures related to accommodation, income, and seed capital.
Regarding banking, the Government is providing capital for social housing through the Social Policy Bank. This source of capital is very difficult, it is necessary to supplement other sources from investment funds and local capital. Banks are also promoting entrusted lending and capital recovery to avoid bad debt.
For investors, Mr. Luc recommends allocating capital, paying attention to developing the social housing ecosystem and construction quality, coordinating with localities, and determining from the beginning whether the project is for rent or for sale, or both.
For the people (buyers), experts say that they need to be willing to do the procedures, confirm the process, prepare the documents to buy social housing properly, in the right place; save money, spend reasonably; and have appropriate financial leverage.
To develop social housing, experts propose the cooperation of the State, banks, investors and residents (Illustration: HQ).
The speakers at the event all assessed that social housing has recently received attention from the Government through projects, resolutions, directives, and changes in legal regulations to make it easier for people and businesses to access and implement. Since then, many obstacles have been removed from social housing.
Mr. Nguyen Van Dinh - Chairman of the Vietnam Real Estate Brokers Association - acknowledged that in the past, the implementation of social housing projects faced many difficulties and obstacles, focusing on 5 factors: land fund, procedures, mechanisms, capital and market output. Currently, the issues of procedures, output and capital have been almost "untied" in recent legal regulations.
However, Mr. Dinh said that there are still some problems such as high interest rates causing concern, especially for home buyers. The output factor needs to pay more attention to policy beneficiaries, meritorious people, workers in industrial zones...
Accordingly, Mr. Dinh emphasized that the leading role in building social housing still lies with the State agencies, especially the need to arrange land, capital, and development funds, and cannot wait for cheap capital from credit. Regarding the implementation procedures, the State also needs to simplify them.
Mr. Truong Anh Tuan - Chairman of Hoang Quan Group - pointed out that there are 3 important things to promote the development of social housing. The first is the state's policy mechanism, the second is capital, the third is that people need to save and control their finances.
Mr. Tuan emphasized that the price of social housing has never been as low as it is now, only 20% of that of commercial housing. People can save 5-7 million VND/month to buy social housing, the rest will be taken care of by the banks, thereby making the dream of owning a house come true.
Regarding the interest rate for loans to buy and rent social housing, Mr. Le Hoang Chau - Chairman of the Ho Chi Minh City Real Estate Association (HoREA) - continued to recommend that it should only be at 3-4.8%/year, instead of the current too high 6.6%/year.
Responding to this proposal, Mr. Can Van Luc explained that the previous interest rate for loans to buy social housing was 4.8%/year. However, since the Housing Law was enacted, this interest rate has been applied to 11 beneficiaries of social housing, including poor households. The interest rate for social housing loans for poor households is 6.6%/year, which has been regulated by the Government since 2015. Therefore, if we want to reduce the interest rate for social housing loans to below 6.6%/year, we need to propose a review of loans for poor households.
Sharing his views, Mr. Dao Anh Tuan - Director of the Tay Ninh Province Social Policy Bank branch - said that the lending interest rate of 6.6%/year is regulated by the Government, equal to the lending rate for poor households to ensure fairness among beneficiaries. In addition, the social policy bank is granted a part of the capital for social housing loans, the rest must be mobilized from short- and medium-term capital sources. Therefore, to provide long-term loans for buying and renting houses, the bank also needs to balance.
Source: https://dantri.com.vn/bat-dong-san/nha-o-xa-hoi-can-su-chung-tay-cua-4-nha-20241117142459804.htm
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