With the need for loans to buy, rent and buy social housing; building or renovating or repairing houses to increase housing, Social Policy Bank (VBSP) has just allocated 80 billion VND to Khanh Hoa province.
With the need for loans to buy, rent and buy social housing; building or renovating or repairing houses to increase housing, Social Policy Bank (VBSP) has just allocated 80 billion VND to Khanh Hoa province. This is a good signal for hundreds of households who are waiting for this capital source.
Need to buy social housing is huge
T.T.Th's family (an officer from Nha Trang University) was handed over social housing at VCN Phuoc Long II project in February. The apartment has an area of more than 64 square meters with a value of 860 million dong. Th. said, with the couple's income, it is very difficult to buy a house. Therefore, when the VBSP supported the loan 80% of the apartment value, his family was very excited because the financial pressure was reduced. His family is completing the final stages of moving to this apartment soon.
Th. is one of the lucky social housing buyers to have timely access to policy capital. According to the report of VBSP Khanh Hoa Branch, in 2020, the bank disbursed 100% of the central target assigned with the additional capital allocated to the preferential loan program to buy, rent and buy social houses; new construction or renovation or repair of houses (Decree 100/2015 / ND-CP) is VND 90 billion. However, the demand for loans to buy social housing is huge, especially in the city. Nha Trang, while the central capital allocated to the branch is not enough to meet the demand. It is known that, at present, a number of major social housing projects are entering the stage of completion and handover such as: HQS social housing project (Le Hong Phong I urban area) by Real Estate Joint Stock Company. Ha Quang real estate is preparing to hand over more than 1,100 apartments; more than 1,000 apartments of P.H social apartment building; 223 apartments of Cam Ranh social housing project invested by Thanh My Co., Ltd are also being completed ...
To meet the needs of social housing loans to buy social housing policy beneficiaries, the branch has reported to the Head of the Board of Directors of the province during regular meetings to propose to the Central Government for consideration and supplementation. capital.
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Expeditiously disburse additional allocated capital
Le Van Thanh - Head of Credit Professional Planning Department, VBSP Khanh Hoa Branch said that the central government has allocated the target of 2021 credit plan to the province for 80 billion VND to meet the preferential loan program. purchase, hire-purchase of social housing; New construction or renovation or repair of houses for dwelling. In which, in February, the central government assigned 50 billion VND, VBSP advised the Head of the Board of Representatives of the Provincial Board of Directors to allocate to districts, towns and cities (Nha Trang 31.35 billion; Cam Ranh 5 VND 2.2 billion Dien Khanh; Ninh Hoa 4 billion VND; Khanh Vinh 400 million VND; Khanh Son 600 million VND; Cam Lam 350 million VND). In early March, the central government continued to supplement the province with 30 billion VND. The branch is advising the Board of Directors' Representatives to allocate this capital. Up to now, the bank has disbursed 26 billion VND in the 80 billion VND package assigned to promptly meet the borrowing needs of social housing buyers in the province. The bank is strengthening the coordination with mass organizations, the authorities of communes and wards to propagate for eligible subjects to borrow capital to urgently disburse the additional capital. In particular, customers who buy social housing of Ha Quang project and customers who have signed credit contracts with disbursement according to progress will be disbursed in March.
It is known that the total outstanding loans for social housing in the province so far are 218 billion VND, with 193 borrowers. Based on the situation of social housing needs, every year, VBSP Khanh Hoa Branch advises the Provincial People's Committee to deploy to districts, towns and cities to develop credit plans to propose additional funding. This shows the interest of the Central Bank for Social Policy in arranging the balance of capital for Khanh Hoa province and the efforts and efforts of VBSP Khanh Hoa Branch to promptly meet the capital needs of people for communal housing.
Mai Hoang
Translated by T.T
