DNVN - The goal of building at least 1 million social housing apartments by 2030 is considered to be very correct and humane. However, up to now, social housing projects and worker housing for low-income people have hardly made any breakthroughs, while the time to 2030 is getting shorter and shorter.
Still far from the goal
On May 24, 2024, the Secretariat issued Directive No. 34-CT/TW on strengthening the Party's leadership over social housing development in the new situation, emphasizing the need to prioritize land allocation and capital sources to develop social housing and workers' housing, and promote the socialization of capital sources for social housing development.
The Party and the State always pay attention to the development of housing for people, especially social housing. The Resolution of the 13th National Party Congress and the 10-year socio-economic development strategy 2021-2030 have mentioned many contents to ensure equal access to housing for citizens and develop social housing.
On April 3, 2023, the Prime Minister issued Decision No. 388 approving the Project "Investing in the construction of at least 1 million social housing apartments for low-income earners and industrial park workers in the period 2021 - 2030".
Since the beginning of the year, the Government has also held many meetings on social housing. As of May 2024, the Government and the Prime Minister have issued 40 related documents directing the implementation of the project to build at least 1 million social housing apartments by 2030. There have been 14 documents on credit for the implementation of the project.
On May 24, the Secretariat issued Directive No. 34 on strengthening the Party's leadership in the development of social housing in the new situation. It emphasized the need to prioritize land allocation and capital sources for the development of social housing and workers' housing, and promote the socialization of capital sources for social housing development.
Assessing the target of 1 million social housing apartments, Mr. Chu Duc Tam - Member of the Executive Committee of the Vietnam Industrial Park Finance Association (VIPFA) said that this is a very correct and humane plan.
To date, 503 social housing projects have been implemented nationwide with a scale of 418,200 units (an increase of 4 projects, 6,950 units compared to the reporting time on March 15, 2024). Of these, 75 projects have been completed with a scale of 39,884 units (an increase of 3 projects, 1,756 units compared to the reporting time on March 15, 2024).
The number of projects that have started construction is 128 projects with a scale of 115,379 apartments. The number of projects that have been approved for investment policy is 300 projects with a scale of 262,937 apartments.
"So the target of 1 million units is still very far away and the time until 2030 is getting shorter and shorter. In large provinces and cities with many industrial parks such as Hanoi, Ho Chi Minh City, Da Nang, Can Tho, Long An ..., the rate of social housing is low compared to the project's target. For example, Ho Chi Minh City set a target of building 35,000 social housing units in the 2021-2025 period, but so far only 1 project has been completed, the remaining 34 projects are either under construction or have not been implemented," Mr. Tam acknowledged.
Many procedures
From the above figures, according to Mr. Tam, social housing and industrial housing have not made any breakthroughs compared to commercial housing because social housing and industrial housing are not given more priority than commercial housing. The legal framework and procedures for social housing and commercial housing are the same and to some extent, social housing procedures are more difficult.
The number of procedures for implementing social housing projects is currently greater than that for commercial housing projects. In addition, access to loan sources is still not favorable.
Mr. Chu Duc Tam - Member of the Executive Committee of the Vietnam Industrial Park Finance Association (VIPFA).
The fastest time to complete procedures for a commercial housing project is 3 years, the slowest is 5-7 years depending on the legality of the project.
But the procedure time for social housing is even slower.
To implement social housing, in addition to general procedures such as planning approval, investment policy approval, bidding to select investors, land allocation, land lease, social housing projects require additional procedures for confirming subjects eligible to buy or rent social housing; procedures for appraising selling prices and rental prices of social housing. Therefore, the implementation of procedures for implementing social housing is prolonged.
Need to arrange land fund around industrial parks
To help low-income people have housing and industrial park workers settle down, the Government needs to review procedures and processes to reduce project approval time.
Regarding social housing planning, it is necessary to arrange social housing projects in locations with convenient transportation, connected to industrial centers, with adequate technical infrastructure and essential social infrastructure. Especially around industrial parks and industrial clusters, it is necessary to arrange land funds to build housing for workers.
In fact, there is a situation where low-income people in social housing areas are not eligible to buy social housing. Also because social housing is too far from the workplace, workers either do not buy, or if they have bought, the housing is too far from the workplace, so they transfer, hand over, and accept to rent in poor quality housing areas closer to the workplace.
It is necessary to bring preferential policies for purchasing social housing to the right addresses, which are workers and laborers with low incomes.
In addition, land funds should be reserved for social housing development around industrial parks to ensure easy access for investors... Currently, social housing investment enterprises are facing difficulties in accessing land.
In addition to shortening the time for project appraisal and approval, cutting down procedures and barriers to developing social housing, to build social housing, state agencies need to promote social housing planning associated with industrial housing centers near industrial parks, synchronizing technical infrastructure and social infrastructure.
Regarding the preferential credit package of 120 trillion VND for loans to support the development of social housing, Mr. Tam said that the disbursement of this credit package for social housing is still slow.
To date, commercial banks have only disbursed VND1,144 billion, including VND1,133 billion for investors in 11 projects and VND11 billion for homebuyers in 4 projects. It seems that preferential credit has only reached investors, while low-income people are not eligible to access it.
"Therefore, to give low-income people the opportunity to own a house, we should expand the preferential loan program for individuals and households to buy, rent, or lease-purchase social housing according to the social housing policy and the preferential interest rate is 3-5% lower than normal commercial loans. In addition, we should soon establish a housing development fund or a housing savings fund. This fund model has been successful in many countries," Mr. Tam suggested.
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Source: https://doanhnghiepvn.vn/kinh-te/bat-dong-san/vi-sao-cac-du-an-nha-o-xa-hoi-chua-co-su-dot-pha/20240603085857006
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