Regulations on verifying low income for purchasing social housing.

Reply:

In response to readers' questions, lawyer Nguyen An Binh, Head of Nguyen An Binh and Associates Law Office ( Hanoi Bar Association), stated:

According to lawyer Nguyen An Binh, the income requirements for receiving social housing support are currently implemented according to new government regulations.

Nhiều người thu nhập thấp ở các đô thị có nhu cầu mua nhà ở xã hội. — Many low-income people in urban areas are in need of social housing.

Specifically, the Government has just issued Decree No. 261/2025/ND-CP dated October 10, 2025, amending and supplementing a number of articles of Decree No. 100/2024/ND-CP dated July 26, 2024, of the Government detailing a number of articles of the Law on Housing on the development and management of social housing, and Decree No. 192/2025/ND-CP dated July 1, 2025, of the Government detailing a number of articles and measures for implementing Resolution No. 201/2025/QH15 dated May 29, 2025, of the National Assembly on piloting a number of specific mechanisms and policies for the development of social housing.

Accordingly, Decree No. 261/2025/ND-CP amends and supplements Clauses 1 and 2 of Article 30 of Decree No. 100/2024/ND-CP, stipulating the income conditions for eligibility for social housing support policies as follows:

For the subjects specified in Clauses 5, 6, and 8 of Article 76 of the Housing Law, the following income conditions must be met:

a) In cases where the applicant is unmarried or confirmed as single, their average monthly net income must not exceed 20 million VND, based on the wage and salary table certified by the agency, unit, or enterprise where the applicant works.

In cases where the applicant is unmarried or certified as single and raising minor children, their average monthly net income must not exceed 30 million VND, calculated according to the wage and salary table certified by the agency, unit, or enterprise where the applicant works.

b) If the applicant is legally married, the applicant and their spouse must have a combined average monthly income of no more than 40 million VND, based on the wage and salary table certified by the agency, unit, or enterprise where the applicant works.

c) The period for determining income eligibility as stipulated in points a and b above is within 12 consecutive months, calculated from the time the competent authority makes the confirmation.

d) Based on the conditions and income levels of each area within the province, housing incentives for officials, civil servants, and public employees, and the number of dependents as stipulated by law, the Provincial People's Committee may decide on the adjustment coefficient for the income level specified in points a and b above, but not exceeding the ratio between the average per capita income in the locality and the average per capita income of the whole country; and decide on policies to encourage access to social housing for beneficiaries of social housing support policies who have three or more dependents in the same household.

In the case of individuals specified in Clause 5, Article 76 of the Housing Law who do not have an employment contract, they must ensure that their income meets the requirements stipulated in Clause 1 and be confirmed by the commune-level police agency where they reside permanently, temporarily, or currently.

Within 7 days of receiving the application for verification, the commune-level police agency where the applicant resides permanently, temporarily, or at the time of the application will verify the income eligibility based on information from the population database.

Therefore, according to the new regulations, if you are a low-income urban resident, your average income must not exceed 20 million VND/month (if unmarried or certified as single); and not exceed 30 million VND/month (if unmarried or certified as single and raising children under the age of majority).

If you are legally married, your combined average monthly income must not exceed 40 million VND.

At the same time, you must have your income level confirmed by the local police station at the commune where you reside, temporarily reside, or currently live.

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