Circular No. 07/2013/TT-BXD guiding the determination of subjects and conditions for housing support loans pursuant to Resolution No. 02/NQ-CP dated January 7, 2013 of the Government.

CIRCULAR

HGuidelines for determining the subjects and conditions for borrowing housing supportexport, loansỗ housing support

pursuant to ResolutionNo. 02/NQ-CP dated January 7,2013 of the Government;"b) In addition to the lists of public services issued according to the provisions of Clause 2, Article 4 of this Decree, specialized agencies under provincial People's Committees shall report to the provincial People's Committee for decision-making on amending, supplementing, or issuing the list of public services funded by the state budget within their jurisdiction and consistent with the local budget capacity within the approved budget by the Provincial People's Assembly, and send it to the Ministry of Finance and relevant ministries and sectors for supervision during implementation."Government

Pursuant to the Law on Housing dated November 29, 2005;

Pursuant to Decree No. 17/2008/NĐ-CP dated February 4, 2008 of the Government on the organization of the Ministry of Construction;June 2024;71/2010/NĐ-CP dated June 23, 2010 of the Government detailing and guiding the implementation of the Law on Housing;"b) In addition to the lists of public services issued according to the provisions of Clause 2, Article 4 of this Decree, specialized agencies under provincial People's Committees shall report to the provincial People's Committee for decision-making on amending, supplementing, or issuing the list of public services funded by the state budget within their jurisdiction and consistent with the local budget capacity within the approved budget by the Provincial People's Assembly, and send it to the Ministry of Finance and relevant ministries and sectors for supervision during implementation."Theo đề nghị của Vụ trưởng Vụ Tín dụngof the Government stipulating functions, tasks, powers, and organizational structure of the Ministry of Home Affairsu t, amended and supplemented by Decree No. 109/2025/NĐ-CP and Decree No. 193/2025/NĐ-CP functions of the Ministry of Construction;

Pursuant to DecreeNo. 02/NQ-CP dated January 7,i 2013 of the Government on a number

Pursuant to ResolutionNo. of solutions to address difficulties for production and business, support the market, and resolve bad debts;June 2024;The Minister of Construction issues this Circular guiding the determination of the subjects eligible for borrowing funds to rent, purchase, and buy social housing; borrowing funds to rent and purchase commercial housing with an area less than 70 square meters and a selling price below 15 million VND/square meter; and borrowing funds to invest in developing social housing according to Resolution No. 02/NQ-CP dated January 7, 2013 of the Government.No. a) Civil servants, public officials, members of the armed forces, and low-income individuals borrowing funds to rent, purchase, and buy social housing;ib) Civil servants, public officials, members of the armed forces, and low-income individuals borrowing funds to rent and purchase commercial housing with an area less than 70 square meters and a selling price below 15 million VND/square meter;of the Government stipulating functions, tasks, powers, and organizational structure of the Ministry of Home Affairsu;

The Minister of Construction hereby issues this Circular to regulate the issuance of real estate brokerage practice certificates; guide the operation of real estate trading floors.

c) Enterprises that are investors in projects constructing social housing; enterprises that are investors in commercial housing projects converted to social housing projects.export, loansỗ Article 2. Provisions on the subjects eligible for borrowing funds to rent, purchase, and buy social housing and borrowing funds to rent and purchase commercial housing with an area less than 70 square meters and a selling price below 15 million VND/square meterNo. of solutions to address difficulties for production and business, support the market, and resolve bad debts;June 2024;1. Civil servants, public officials, and public employees receiving salaries from the state budget belonging to Party, State, Fatherland Front, and political-social organizations; public employees belonging to public service units; members of the people's armed forces;"b) In addition to the lists of public services issued according to the provisions of Clause 2, Article 4 of this Decree, specialized agencies under provincial People's Committees shall report to the provincial People's Committee for decision-making on amending, supplementing, or issuing the list of public services funded by the state budget within their jurisdiction and consistent with the local budget capacity within the approved budget by the Provincial People's Assembly, and send it to the Ministry of Finance and relevant ministries and sectors for supervision during implementation."Government,

Article 1. Scope of Regulation and Applicability

2. Low-income individuals are workers belonging to non-public service units, enterprises under various economic sectors, cooperatives established and operating in accordance with the law; individuals who have retired according to the prescribed regulations; self-employed workers, individual traders.

Thông tư này áp dụng đối với tổ chức, cá nhân có liên quan đến hoạt động kinh doanh đối tượng thủy sản nuôi chủ lực trên lãnh thổ Việt Nam.

Article 3. Conditions for borrowing funds to rent, purchase, and buy social housing; conditions for borrowing funds to rent and purchase commercial housing with an area less than 70 square meters and a selling price below 15 million VND/square meter

d) Other organizations and individuals related thereto.

+ Having residential apartments but the average living space per person in the household is less than 8 square meters;

+ Having separate houses but the average living space per person in the household is less than 8 square meters and the land area of the house is lower than the minimum standard allowed for renovation and construction according to the regulations of the provincial People's Committee.

- The subject must have a permanent residence registration at the province or centrally-administered city where the housing project is located. For temporary residents, they must have contributed to social insurance for at least one year.

- Having rental or purchase contracts for commercial housing in accordance with the law.

b) Confirmation of eligibility for borrowing in accordance with the provisions of Clause 2 of this Article:

- Not having their own housing, or having housing but with insufficient space. Specifically:

- The subjects specified in Clause 2 of Article 2 must have a written confirmation from the People's Committee of the commune (ward) where the subject has a permanent residence or temporary residence registration confirming their residence and housing status (in accordance with Form 2) and only confirmed once.

c) Each household can only borrow housing support once in accordance with the provisions of this Circular.

3. The subjects specified in Article 2, in addition to meeting the conditions stipulated in this Article, must also meet the loan conditions as prescribed in Circular No. 11/2013/TT-NHNN dated May 15, 2013 of the State Bank of Vietnam on lending for housing support according to Resolution No. 02/NQ-CP dated January 7, 2013 of the Government.

- Has a commercial housing lease or purchase contract in accordance with the provisions of the law.

b) Confirm the conditions for borrowing as prescribed in Clause 2 of this Article:

- The subjects specified in Clause 1 of Article 2 must have confirmation from their current workplace regarding their place of work and the current housing situation (in the form attached at Appendix 1) and such confirmation shall only be made once;

- The subjects specified in Clause 2 of Article 2 must have a confirmation document from the People's Committee of the commune (ward) where they have permanent residence or temporary registration to confirm their household registration and current housing situation (in the form attached at Appendix 2) and such confirmation shall only be made once.

c) Each family can only borrow once for housing support in accordance with the provisions of this Circular.

Article 4. Provisions on the conditions for enterprises that are project investors to borrow funds for social housing projects and enterprises that are project investors to borrow funds for commercial housing projects converted to social housing projects.

1. For enterprises that are project investors of social housing construction projects, in addition to meeting the borrowing conditions stipulated in Circular No. 11/2013/TT-NHNN dated May 15, 2013 of the State Bank of Vietnam regarding housing support loans under Resolution No. 02/NQ-CP dated January 7, 2013 of the Government, they must also meet the following conditions:

- Having an investment project approved by competent authorities in accordance with the law;

- Having an investment approval document from competent authorities;

- Already having clean land and a construction permit, except in cases where the construction permit is exempted according to the law on construction.

2. For enterprises that are project investors of commercial housing projects converted to social housing projects, in addition to the conditions stipulated in Clause 1 of this Article, they must have a decision from competent authorities allowing the conversion from commercial housing to social housing.

3. Enterprises that meet the conditions stipulated in this Article and have a need for borrowing funds must submit documents satisfying the conditions stipulated in Clause 1 and Clause 2 of this Article along with their loan capital requirements to the Ministry of Construction for examination, appraisal, and consolidation to be sent to the State Bank of Vietnam and banks specified in Circular No. 11/2013/TT-NHNN dated May 15, 2013 of the State Bank of Vietnam for consideration of lending.

4. Banks will lend to enterprises that are project investors of social housing construction projects and commercial housing projects converted to social housing projects in accordance with Resolution No. 02/NQ-CP dated January 7, 2013 of the Government based on the list of projects announced by the Ministry of Construction during each period. The total amount of loans provided by the bank to enterprises shall not exceed 30% of the total refinancing capital for housing support provided by the State Bank of Vietnam to banks.

Article 5. Provisions on commercial housing with an area smaller than 70 square meters and a selling price lower than 15 million dong per square meter.

1. Commercial housing with an area smaller than 70 square meters and a selling price below 15 million dong per square meter as stipulated in this Circular is commercial housing invested in by enterprises in housing development projects.

a) For apartment buildings: it is the floor area of the apartment (including balcony and loggia areas exclusively used by the apartment) recorded in the sales contract based on the principle of calculating the clear dimensions of the apartment (including the area of internal room partition walls but excluding column and internal technical box areas).

b) For low-rise houses: the floor area of the house is less than 70 square meters and the plot area is less than 70 square meters.

3. The selling price of apartments and houses as stipulated in Clause 1 of this Article is determined as follows:

a) The selling price recorded in the sales contract is the complete price of the house, including VAT and maintenance fees for the house as prescribed by the law on housing.

b) For apartment buildings: the selling price is calculated per square meter of floor area as stipulated in point a of Clause 2 of this Article.

c) For low-rise houses: the selling price is calculated per square meter of floor area of the house, which includes the land price.

Article 6. Handling of violations

1. Administrative violations as prescribed in this Circular shall be handled in accordance with the law on administrative penalties, the law on construction, the law on housing, and the law on real estate business.

2. Organizations and individuals who commit fraudulent acts regarding the objects and conditions for borrowing housing support to rent, lease purchase, or buy housing as prescribed in this Circular, in addition to being subject to administrative penalties under the law on administrative penalties in housing management and development, shall also be required to repay the borrowed amount and terminate the loan contracts signed with credit organizations.

3. Those who abuse their positions or powers to violate regulations related to confirming eligibility for borrowing housing support as prescribed in this Circular shall be administratively punished or criminally prosecuted depending on the severity of the violation. If the violator causes material damage, they must compensate.

Article 7. Implementation Provisions

1. This Circular takes effect from June 1, 2013.

2. During the implementation process, if difficulties or obstacles arise, please send your opinions to the Ministry of Construction for joint resolution or submission to the competent authority for review and decision.

attached hereto.

(Issued together with Circular No. 07/2013/TT-BXD dated May 15, 2013 of the Minister of Construction Model Certificate Regarding Place of Work and Housing Status When Borrowing to Rent or Purchase Commercial Housing with an Area Smaller Than 70 Square Meters and Selling Price Below 15 Million Dong Per Square Meter)

SOCIALIST REPUBLIC OF VIET NAM

Independence - Freedom - Happiness

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CERTIFICATE OF PLACE OF WORK AND HOUSING STATUS WHEN BORROWING TO RENT OR PURCHASE COMMERCIAL HOUSING WITH AN AREA SMALLER THAN 70 SQUARE METERS AND SELLING PRICE BELOW 15 MILLION DONG PER SQUARE METER

Name of the agency or unit issuing the certificate:

Mr./Ms.: …

ID number: ..., issued on ... month ... year ...

Issuing place ...

Occupation:...

Currently working at:...

Current housing status:...

APPLICATION FOR INSPECTION AND SUPERVISION OF EXPORT AND IMPORT GOODS RELATED TO INTELLECTUAL PROPERTY RIGHTS

Unit Heads

(Signature and stamp)

attached hereto to the People's Committee of the province.

(Issued together with Circular No. 07/2013/TT-BXD dated May 15, 2013 of the Minister of Construction Model Certificate Regarding Household Registration and Housing Status When Borrowing to Rent or Purchase Commercial Housing with an Area Smaller Than 70 Square Meters and Selling Price Below 15 Million Dong Per Square Meter)

SOCIALIST REPUBLIC OF VIET NAM

Independence - Freedom - Happiness

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CERTIFICATE OF HOUSEHOLD REGISTRATION AND HOUSING STATUS WHEN BORROWING TO RENT OR PURCHASE COMMERCIAL HOUSING WITH AN AREA SMALLER THAN 70 SQUARE METERS AND SELLING PRICE BELOW 15 MILLION DONG PER SQUARE METER

To:...

Full name of household head:...

Current residence:...

Permanent residence (or temporary residence) at:...

Household registration book number: ...

Number of family members:... people

Current housing status of the household as follows:

No housing owned by the household □

Have housing but average area per person is less than 8 square meters □

I solemnly declare that all information provided in this application is true and I am fully responsible for the contents declared before the law./.

APPLICATION FOR INSPECTION AND SUPERVISION OF EXPORT AND IMPORT GOODS RELATED TO INTELLECTUAL PROPERTY RIGHTS

Applicant

(Sign and write full name)

Confirmation of household registration, population, and current housing status:

..............................................................................................................................................................................................................................................................