Amid the strong emergence of the Tay Ninh real estate market, An Huy Mỹ Việt asserts its pioneering position through a sustainable development strategy, focusing on real value and long-term benefits for customers.
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Easing conditions for purchasing social housing in Ho Chi Minh City: The market awaits a boost from supply.
The proposal to raise the income threshold for purchasing social housing in Ho Chi Minh City to a maximum of 60 million VND per month is expected to help many young families and middle-income workers access affordable housing. However, as the number of eligible people increases while supply remains limited, experts believe the market will need stronger measures to avoid a situation where "too many people are queuing, too few houses to buy."
Incomes are rising, but access to commercial housing remains difficult.
For many years, a significant number of workers in Ho Chi Minh City have found themselves in a dilemma: their income exceeds the threshold for purchasing social housing , but is still too low to own a commercial apartment.
That's also why the new proposal from the Ho Chi Minh City Department of Construction regarding the adjustment of the maximum income threshold for social housing is receiving much attention. According to the proposed plan, households with three or more dependents may be considered for social housing if the combined income of the couple does not exceed 60 million VND per month. The threshold for single individuals is also proposed to be raised to 27.5-30 million VND/month, depending on the adjustment factor.
In Ho Chi Minh City, this income level does not necessarily guarantee the ability to purchase commercial housing. A survey in the eastern part of Ho Chi Minh City shows that many new apartment projects in Thu Duc City, such as The Global City, Eaton Park, or The OpusK (part of Vinhomes Grand Park), are currently priced from approximately 80 million to over 120 million VND per square meter. For an apartment of about 60 square meters, buyers need to prepare between 5 and 7 billion VND, not including the financial costs of bank loans.
Adjusting the maximum income threshold for eligibility under social housing policies is receiving much attention. Photo: Gia Linh
According to a report by CBRE Vietnam, primary apartment prices in Ho Chi Minh City continue to rise due to increasingly scarce land and new supply concentrated in the mid-to-high-end segment. Meanwhile, Avison Young Vietnam's statistics for the former Binh Duong area, now part of Ho Chi Minh City after the merger, also show that common apartment prices ranged from 53-76 million VND/m² in Q2/2026.
Mr. Tran Minh Cuong, Director of TMC Lawyers, commented that raising the income threshold accurately reflects the reality of the cost of living in Ho Chi Minh City.
"Based on current price levels, a young family with a total income of around 50-60 million VND per month still finds it very difficult to access commercial housing. If the income threshold remains too low, a policy gap will emerge where many people cannot afford commercial housing but also do not qualify for social housing," Mr. Cuong analyzed.
For policies to be effective, the market needs more projects.
While expanding the eligibility criteria is considered appropriate, many experts argue that the biggest challenge facing the market today lies not in the approval criteria but in the sheer number of projects.
Mr. Le Huu Nghia, Vice Chairman of the Ho Chi Minh City Real Estate Association (HoREA), believes that the cost of living in Ho Chi Minh City is much higher than in many other localities, making an adjustment to the income threshold necessary. However, if the supply does not increase proportionally, low-income workers will face even fierlier competition from those with better financial conditions.
According to Mr. Nghia, the city should develop both social housing for sale and social housing for rent simultaneously. For many young workers or laborers, a long-term rental apartment at a reasonable price is sometimes more suitable than having to borrow money for decades to buy a house.
In reality, although the government is promoting a program to develop at least one million social housing units by 2030, the progress of implementation in Ho Chi Minh City has not kept pace with demand.
Ho Chi Minh City is developing many social housing projects. Photo: Gia Linh
Several projects, such as the Le Thanh Tan Kien social housing project (Binh Chanh district), projects in Thu Duc City, and the social housing area in the Vinh Loc B urban area, are being implemented, but their scale remains quite modest compared to the needs of hundreds of thousands of workers.
According to lawyer Hoang Ha (Ho Chi Minh City Bar Association), raising the income threshold only gives people more opportunities to apply, but it does not guarantee they will be able to buy a house.
"If the number of eligible people increases sharply while the housing supply remains unchanged, the pressure on approvals will be greater. Therefore, along with revising income criteria, it is necessary to quantify actual demand, ensure a transparent approval process, and accelerate the development of supply," Mr. Ha recommended.
Experts also suggest that for the policy to be effective, Ho Chi Minh City needs to simultaneously remove investment procedures, allocate more land for social housing, expand preferential credit for businesses and buyers, and strictly control transfers to limit speculation and exploitation of the policy.
With commercial apartment prices showing no signs of cooling down, adjusting the income threshold is seen as a practical step in a special urban area like Ho Chi Minh City. However, only when the number of projects is significantly increased will the policy truly transform into opportunities for people to own homes, instead of simply expanding the list of eligible people waiting to buy.
Source: The gioi tiep thi
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