Doan Hung District Social Policy Bank actively implements the social housing loan program according to Decree 100 of the Government .
Comrade Nguyen Trong Hai - Director of the Transaction Office of the Social Policy Bank of Doan Hung District shared: Social housing loans are a very practical and meaningful program, with preferential interest rates and quick loan procedures. Preferential loans from the program have reached those who are in real need, such as workers, laborers, meritorious people, cadres, civil servants, armed forces soldiers... who are facing housing difficulties. Having access to low-interest loans and long-term loans not only helps them solve the housing problem, proactively balance their finances, and gradually stabilize their lives, but also contributes to stabilizing social security, maintaining security and order, and promoting local economic development.
To borrow capital, borrowers need to have sufficient documents proving their income and ability to repay the debt as committed; have a Certificate of land use rights, house ownership rights and other assets attached to land at the place of permanent residence registration issued by a competent state agency in accordance with the provisions of the law on land; have a design, estimate or cost calculation plan in accordance with the provisions of the law on construction.
Social housing loans are a very practical and meaningful program, with preferential interest rates. Capital from the social housing loan program has helped many policy families, civil servants, public employees, and low-income workers have the conditions to build houses to "settle down and make a living". The family of Ms. Nguyen Thi Thu Chang in Hung Tien area, Doan Hung town is one of the households that has access to social housing loans. Ms. Chang is working at the town kindergarten, so with her income from salary, saving to build a house is a great effort. Therefore, her family really wants to build a more spacious house, improve the family's living conditions and give her children a better living environment. Immediately after learning about the preferential interest rate support capital from the District Social Policy Bank, she boldly applied for a loan and was enthusiastically and thoughtfully guided by the staff of the District Social Policy Bank to complete the application. “As a result, I was able to borrow 480 million VND to build a new house,” Ms. Chang shared. The advantage of this type of loan is that the loan amount is large but the interest rate is low, the loan period is long, so her family does not have to bear too much pressure to pay off the debt at one time.
To put the Government's policy into practice, the Doan Hung District Social Policy Bank has strengthened the propaganda and dissemination of policies and decisions, documents guiding the implementation of the social housing loan program; organized training on appraisal processes, procedures, and loan applications to localities, associations, unions, and savings and loan groups. Well implemented the statistical work of reviewing and supplementing beneficiaries who are eligible to access loans to promptly disburse capital according to regulations. Based on the loan registration of people, associations, unions, and local authorities, the Social Policy Bank's staff conducted appraisals and provided guidance on completing loan applications to ensure publicity, transparency, and the right subjects. Up to now, the outstanding social housing loans of the Doan Hung District Social Policy Bank have reached nearly 17.6 billion VND, with 46 customers still having outstanding loans.
The Director of the Transaction Office of the Social Policy Bank of Doan Hung District added: Implementing 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; Document No. 4546/HD-NHCS dated August 1, 2024 of the General Director of the Social Policy Bank on guidance on preferential lending procedures for purchasing and renting social housing and housing for the people's armed forces; building or renovating and repairing houses, the maximum loan amount has been increased to 70% of the estimated value or capital use plan, not exceeding 1 billion VND, the loan interest rate is equal to the lending interest rate for poor households prescribed for each period, thereby creating more favorable conditions for customers to have capital to build new, spacious and durable houses. The district Social Policy Bank will continue to appraise and complete the application and loan registration procedures under the social housing program for customers in need and eligible for loans.
Ngoc Tuan
Source: https://baophutho.vn/hieu-qua-nguon-von-vay-nha-o-xa-hoi-231725.htm
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