📋 Tender Overview
Mr. Hoang Kim Chung (Hanoi) is an official who needs a preferential loan through the Bank for Social Policies to build his own house. He and his wife are the owners of the land at their permanent residence and do not own any houses. He is building a house on that land. Mr. Chung has gone through the procedures to go to the ward where he permanently resides to request confirmation of form 06 in Appendix I issued with Circular No. 05/2025/TT-BXD, but the ward does not confirm that he is a person who has residential land but does not have a house for the reason that he is already building a house. Mr. Chung asked, according to housing regulations, Have you been confirmed as: There is residential land but no house? The Ministry of Construction answers this issue as follows: In Clause 1, Article 2 of the 2023 Housing Law, it is stipulated: Housing is a project built for the purpose of living to serve the daily needs of families and individuals.... In addition, the general requirements must be ensured: Comply with the provisions of the law on housing; meet standards, technical regulations, and construction quality for with housing according to the provisions of law, complying with requirements on fire prevention and fighting, architecture, landscape, environmental sanitation, safety during the construction process according to the provisions of law;... (Clause 3, Article 5 of the 2023 Housing Law). Clause 5, Article 77 of the 2023 Housing Law stipulates the form of implementation of social housing support policies as follows: Support for preferential loans from the State through the Bank Social policy, credit institutions designated by the State let the subjects specified in Clauses 1, 2, 3, 4, 5, 6, 7 and 8, Article 76 of this Law buy, lease-purchase social housing or self-build or renovate and repair houses, including cadres, civil servants and public employees (Clause 8, Article 76 of the Housing Law 2023). In Clause 3, Article 110 of the Housing Law In 2023, the housing support policy for households and individuals who build or renovate and repair their own houses is stipulated as follows: The State supports preferential loans through the Bank for Social Policies and credit institutions designated by the State for households and individuals specified in Clauses 1, 2, 3, 4, 5, 6, 7 and 8, Article 76 of this Law to build, renovate and repair their own houses. To receive preferential loan support from the State through the Bank for Social Policies and credit institutions designated by the State, subjects specified in Clause 3, Article 110 of the 2023 Housing Law must meet the following conditions: (i) Have residential land but do not have a house or have a house but the house is damaged or dilapidated; (ii) Have permanent residence registration at the commune-level administrative unit where there is residential land or housing that needs to be built or renovated or repaired (Clause 4, Article 110 of the 2023 Housing Law). Clause 2, Article 48 of Decree No. 100/2024/ND-CP dated July 26, 2024 of the Government detailing a number of articles of the Housing Law on the development and management of social housing stipulates: For Subjects specified in Clause 1, Clause 2, Clause 3, Clause 5, Clause 6, Clause 7 and Clause 8, Article 76 of the Housing Law, in order to receive preferential loans to build or renovate or repair houses, must meet the following conditions: a) Have sufficient documents proving the subjects and conditions as prescribed in Article 76 and Article 110 of the Housing Law. The Commune Peoples Committee confirms the conditions as prescribed in Point a, Clause 4 Article 110 of the Housing Law; sample documents according to the guidance of the Minister of Construction....In Form No. 06, Circular No. 05/2024/TT-BXD dated July 31, 2024 of the Minister of Construction detailing a number of articles of the Housing Law has guided the sample documents proving conditions for preferential loans from the State through the Bank for Social Policies for households and individuals to build or renovate and repair their own houses, In which, the Commune Peoples Committee confirms the existence of residential land but no housing or the existence of a housing but the housing is damaged or dilapidated for the person who declares this proof. In case at the time an individual or household eligible for preferential loan support from the State through the Bank for Social Policies submits an application for a preferential loan, the housing construction project is under construction and has not yet been accepted and put into use (does not meet the general requirements of management). housing use regulations in Clause 3, Article 5 of the Housing Law 2023) are not considered completed housing projects. Therefore, in the case of having residential land but no house.Chinhphu.vnSee moreHow to determine the condition of not having a house to buy social housingSee moreIf you have land but dont have a house, can you buy social housing?See moreIf you have land but dont have a house, you can still buy social housing?See moreIf you dont pay social insurance, can you buy social housing?See moreIf you just changed jobs, who confirms your income to buy social housing? 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