According to Article 2 of Circular 07/2013 / TT-BXD only provides for the borrower to hire, leasing and purchase of social housing and for the borrower to rent, buy commercial housing area smaller than 70m2, with price below 15 million/m2, which is not prescribed rules for the borrower to purchase commercial housing a total value of the contract of sale was inclusive of VAT (including home and land) does not exceed 1.05 billion; loans for construction or renovation repair their houses; households and individuals to invest in renovating or building new social housing in accordance with the provisions of law to lease, lease purchase and sale of objects in accordance with the law of housing.
Circular 17/2014/TT-BXD amendments and supplements have additional regulations on, whereby objects are loans in which 2 include:
+ Staff, public servants are paid from the state budget of the Party, State, Fatherland Front and political institutions - social, social - professional; employees of the public service units; armed forces;
+ For low-income workers are the units of non-public enterprises of all economic sectors, cooperatives are established and operated in accordance with the law; employees who are entitled under the regulations; workers freedom, individual business;
+ Staff, public servants, armed forces and workers in urban land is in line with planning for housing is difficult, but not supported by the State in any form, loans to build, renovate or repair their houses; 4. Households and individuals to invest in renovating or building new social housing in accordance with the provisions of law to lease, lease to buy and to sell to the audience as workers, workers in industrial parks and clusters of small and medium enterprises, export processing zones and economic zones, high-tech zone, the industrial production facilities, industry, factories and enterprises (including inside and outside the industrial) of all lines of all economic sectors; employees of various economic sectors in urban areas; students, students of universities, colleges, vocational schools, vocational colleges, vocational secondary schools and vocational training for workers (regardless of public or non-public) and other objects subject be addressed social housing under the provisions of Decree No. 188/2013 / ND-CP of November 20, 2013 of the Government on the development and management of social housing.
Circular 17/2014 / TT-BXD has added the conditions specified in the loan to buy commercial houses with a total value of the contract of sale was inclusive of VAT (including house and land) does not exceed more than 1.05 billion, the borrower must meet the following conditions:
+ No house owned by her, or housing, but the area is too crowded (there are residential apartments, but housing area per household is lower than 8m² use / person; there are individual houses, but the housing area per household is lower than 8m² use / people and an area of land in which the smaller of the standard minimum land area for construction permits in accordance of the provincial People's Committee, but no housing land has been granted certificates of land use rights, home ownership and other assets attached to land in accordance with the law of the land and area in which less than the standard minimum land area for construction permits under the provisions of the provincial People's Committee);
+ For the borrower must have a permanent residence in the provinces and centrally-run cities where housing projects. In case of temporary residence must have social insurance contributions from 01 years in the provinces, cities (can not continuously) and have a certificate of insurance agencies. Where objects work in a branch or representative office in the locality where the project that the premiums performed at the place where the company has branches or representative offices shall also be subject to the provisions in this point but must have the certificate of the company on insurance premiums;
+ There is a contract to buy commercial housing signed with the owner of the housing development projects, projects built urban area in the province has been approved by the competent authorities in accordance with the law of housing.
This Circular takes effect from 11.25.2014