Abstract
Social housing policy represents a vital pillar of Vietnam’s social security system, in which the rent-to-own model offers a flexible and inclusive solution to help low-income individuals gradually achieve homeownership. This study analyzes the current legal framework governing rent-to-own social housing, with particular attention to the provisions inherited and refined in the Housing Law 2023, aiming to safeguard the legitimate rights and interests of all parties involved. Drawing on implementation practices in Hanoi, the study identifies key challenges such as conflicting interests, institutional bottlenecks, and underlying causes. Based on these findings, it proposes a set of legal and policy recommendations to improve regulatory effectiveness, ensure fairness, and enhance the overall efficiency of Vietnam’s social housing policy.
