| Summary: | 碩士 === 崑山科技大學 === 房地產開發與管理研究所 === 101 === Housing represents a peculiar value of property to everyone’s life as well as every family. Besides, housing consists of the major parts of real estate. Housing is also the basic need for everyone and every family constituting the society. In Vietnam, owing to urbanization and economic development, the density of population in metropiltan area increased dramatically. The portion of people living in cities increased from 19.3% in 1986 to 27.12% in 2006, and which portion was predicted as high as 40% in 2020. Migrants from villages to cities have not only expedited urbanization but also brought about the pressure of affording infrastructures, social services, housing, and environment problems for cities. The prices of housing and land increasing continuously in major cities, especially in Hanoi city and Ho Chi Minh city , has resulted in serious problems for family of low-income.
The study intends to analyze the present situation of low-income families through the collection of social and economic data and to explore the issues existing within the real estate market in Vietnam by analyzing the trend of social and economic development and the development of real estate market. And by the establishment of relevant indicators including the changes in the growth rate of urban population, average household income in Vietnam, average income of individual low-income household, average size of household living space, average family size, etc, the countermeasure was recommended to the Vietnam Government’s low-income families housing policy. Through this research, the ability to afford housing for low-income families in Vietnam included the following existing problems: 1) demand being much greater than the supply; 2) weak execution capability even though there existing the supply plan in Vietnam; 3) housing prices are unaffordable to low-income families; 4) residential housing market specifications (size too large) being not able to meet the demand of low-income families. The objective of the research was to propose policy suggestions regarding land, finance, loans administrative procedures. Also, the practical conduct for buyers, tenants and investors was proposed.
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