(ĐN)- Dong Nai province is stepping up efforts to expand access to social housing loans, especially for low- and middle-income earners, workers, and civil servants. Local banks, in coordination with authorities, have prioritized credit access for this segment, viewing it as a critical part of real estate policy reform.
As of late November 2024, the Dong Nai branch of the Vietnam Bank for Social Policies (VBSP) disbursed over VND 92 billion in loans to 212 households purchasing homes in two major social housing projects in Bien Hoa and Long Khanh. Overall, the branch’s outstanding loan balance for social housing reached nearly VND 281 billion, up 43.4% compared to early 2024.
 |
| Customers complete social housing loan disbursement procedures at Dong Nai branch of Bank for Social Policies. |
The recent implementation of Decree 100/2024/NĐ-CP has further improved conditions for borrowers. It stipulates that loan interest rates for buying or leasing social housing match those applied to loans for poor households—currently at 6.6% per annum.
Still, the loan program faces bottlenecks. The supply of social housing remains limited, and access to loans is constrained by slow project rollout and administrative delays. VBSP Dong Nai has called on local authorities to accelerate project approvals and improve coordination to meet rising demand.
The State Bank of Vietnam’s Dong Nai branch also noted that while state-run banks like VBSP have led disbursement efforts, commercial banks have yet to actively issue loans under this program despite having the capacity.
Looking ahead, both the central government and provincial authorities aim to implement the national plan to build one million social housing units by 2030. Dong Nai alone targets 10,000 homes for workers and low-income families by 2025. To meet these goals, banks are being urged to proactively identify and support eligible housing projects and buyers, helping more people secure a stable place to live.
Reported by H.Q
Thông tin bạn đọc
Đóng Lưu thông tin