In recent years, the demand for social housing has been increasing, especially in Hanoi and Ho Chi Minh City. However, although social housing projects have received a lot of attention from State management agencies in the fields of investment and construction, the development momentum has not yet met the urgency of people’s settlement needs. people.
On the one hand, it’s because many investors are no longer “interested” in social housing projects. On the other hand, it’s because one of the criteria for buying today is the income condition of the target audience. Those who are eligible for the social housing purchase policy are encountering some problems in practice.
Send a comment on the article Is it necessary to force people with an income of 11 million VND/month to buy social housing?reader Nguyen Quang Vinh shares: “The income regulations to buy social housing are very unstable People who have no income to pay taxes still have money to buy real estate. We have not managed our money well so this regulation is not good. With the cost of life now, an income of 11 – 15 million/month in the city is difficult to accumulate to pay monthly housing installments.”
Dinh Hoa social housing area in Dinh Hoa ward (Thu Dau Mot city, Binh Duong) implemented by Becamex IDC Corporation (Photo: Hai Long).
Account owner Quoc Hung Chau Dinh expressed: “People who do not pay taxes, even if they have the opportunity to buy a house, cannot buy a house and vice versa. Rich or poor does not determine how much income a person has.” Besides, a reader named Hien Hai also confided: “If you have an income of 20 million a month, if your family cannot afford social housing, don’t worry. refers to people with low income under 11 million. The law should be changed based on social life.”
“Based on income, it is impossible. What is the basis for accurately proving a person’s income objectively?” wrote a reader with the nickname T.M.N.com .
Inadequacy in Determining subjects eligible to buy social housing
Talk with reporter Dan Trilawyer Dinh Thi Kim Lien (Hanoi Bar Association ) said that low-income people are understood as people working at agencies and businesses with income that is not required to pay regular income tax according to the provisions of law. From the perspective of the Personal Income Tax Law 2007, the application can be understood Low-income people are people with an average monthly income of less than 11 million VND.
According to Article 49 of the 2014 Housing Law, low-income people are one of the subjects eligible to buy social housing. However, this is only a “necessary condition”. To have a “sufficient condition”, low-income people need to meet the following regulations:
Firstdo not have a house. self-owned housing that is not allowed to buy, rent, or buy social housing or enjoy other support policies regarding housing and land in any form according to the provisions of law;
Second< /em>must have permanent residence registration in the province or city where social housing is located. If you do not have permanent residence registration, you must have temporary residence registration for one year or more in this locality;
Thirdlymust be in the category of not having to pay regular income tax regularly in accordance with the law.
Commenting on the above regulations, lawyer Lien acknowledged that the legal provisions related to people’s income still reveal shortcomings. Because the current mechanism for managing people’s actual income still has many “holes” when in addition to fixed income under the management of the State, many individuals also have other sources of income for which there is no official statistical measure. to calculate total income for these cases.
From there, the consequence may be that people with a total monthly income of over 11 million VND can still buy social housing when They declare their income dishonestly.
And in cases where they are truly “low-income earners”, they have difficulty buying humane housing. This is because even though they meet the legal conditions to buy a house, they do not have enough accumulated finances to own an apartment for themselves. But when they work hard to improve their income but exceed 11 million VND/month, they are no longer eligible to buy social housing according to current law.
< p>Should the law be amended to better suit the people and the current market mechanism?
The current Housing Law stipulates that the subjects eligible to buy social housing are: People with low income, provided that their income is not subject to personal income tax. Therefore, according to lawyer Lien, this regulation needs to be amended to better suit the current market mechanism.
Because in reality there are taxpayers with income of over 11 million VND who have not must be people with high income because after deducting life expenses, it is very difficult for workers to save money to buy commercial housing. However, they are not eligible to buy housing “social housing” commented lawyer Lien.
According to Ms. Lien, social housing is not for sale to the rich but for low-income people (below the level of having to pay personal income tax). As prescribed by current law, it is also necessary to target those who have accumulated taxable income but cannot access commercial housing.
Therefore, amending the subjects being able to buy social housing into: “People who have savings but are not eligible to access commercial housing” is also an idea that lawmakers can pay attention to in order to change the conditions depending on the level of housing. personal income and is more suitable for the current market mechanism.
Nguyen Thao
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