One of the first problems when developing this type is the difficulty of capital. In fact, 30 trillion development loan support package social housing and commercial housing from 2013-2016 has completed nearly 100% disbursement.
Therefore, by the period 2016-2020, this source of capital is no longer available. Meanwhile, the Bank for Social Policies is only allocated 27% of the budget for development social housingwhile commercial banks are not allocated this capital package, leading to development work social housingHousing for workers faces many obstacles in terms of cash flow.
Next is the lack of development land social housing, worker housing. Luyen Van Phuong, deputy director of the Hanoi Department of Construction, said that although there is a regulation that 20% of the land fund in commercial housing projects is reserved for development. social housingin Hanoi alone, this rate is 25%, but almost does not meet the requirements.
From a business perspective, Mr. Le Huu Nghia, General Director of Le Thanh Trading Construction Co., Ltd. said, it takes about 5 years to complete and go through a 5-step process. But the rated profit of Social housing The maximum prescribed rate is 10%, this profit is even lower than the savings interest rate, this is the reason why many businesses are “afraid” to develop. social housing.
Mr. Tran Van Thuat, Vice Chairman of the Vietnam General Confederation of Labor, said that with the policies of the Party and State in recent times, the Government has paid attention and directed the ministries and branches to resolve to amend and supplement the policies. books about social housing hope social housing In the coming time, there will be a great development, housing demand for workers in particular and social housing general for many objects.
To continue to unravel and develop social housingHa Quang Hung, Deputy Director of the Housing and Real Estate Market Management Department, Ministry of Construction, said that it is necessary to solve two main problems here.
The first is to amend and synchronize the legal system, from housing law, tax law, business law. For example, at present, the Law on Housing allows rental housing to have lower taxes than business houses, but the Tax Law does not mention this content, leading to inadequacies in the application of tax laws. use tax policy for projects social housing.
According to Deputy Minister of Construction Nguyen Van Sinh, so far the country has completed 275 projects social housing with a scale of about 147,000 apartments (about 7.35 million m2 of floor space); is continuing to implement 339 projects with the scale of about 371,500 apartments (equivalent to about 18.58 million m2 of floor). Development results social housing although some remarkable results have been achieved, helping hundreds of thousands of households to improve the quality of their housing. However, this result has yet to meet expectations.
Along with that, in the process of implementing the provisions of the law, it is necessary to have the attention and direction of the local government. Specifically, identifying land areas with preferential land use coefficient 1.5 times, or determining the right beneficiaries eligible for the policy social housinghousing for workers.
Next, it is necessary to strengthen the working process with local authorities, urge and guide the implementation of two support packages (according to Resolution 11/NQ-CP), seriously setting aside 20% of the land fund for development. social housing in commercial housing projects, and at the same time, conduct inspection and review of existing commercial housing projects, to create a development movement social housing.
Nguyen Manh Ha, Vice Chairman of the Vietnam Real Estate Association, said that in order to attract businesses to participate in this type of development, it is necessary to solve problems in terms of time, procedures, capital sources as well as distribution activities. .
Because in fact, when developing social housingbusinesses are not proactive about cash flow, buyers social housing, selling prices, are decided by the state. Therefore, procedures and processes need to be handled more quickly to help businesses access land easily.
Meanwhile, Mr. Tran Cong Tuong, General Director of Thu Do Investment and Trading Joint Stock Company (Capital House Group), suggested that businesses cooperate with banks to disburse and evaluate beneficiaries. enjoy policies, guide customers to carry out the review and approval procedures to buy and rent social housingso that the implementation process social housing shortened, ensuring benefits for both customers and investors.
“The support of the state management agency through practical credit packages such as the last 30 trillion package will be the driving force to attract real estate businesses to develop social housing, thereby meeting the needs of the public. housing demand for low-income people and laborers, reducing overcrowding pressure on residential areas near the industrial zone in the future”, Mr. Tuong added.
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