"no more banks, the poor less hope of housing".

Just like when the idea was conceived, the regulations establish the housing savings banks once begs to different ideas around this issue. Add a hopes to set up home in the idea of establishment of housing savings banks be covered from 2013 aims to offer a specialized channel ensures the ability to buy people's homes "smoothly" even when economic hardship prevented commercial banks squeezing lending and limited State budget. When introducing this idea, Deputy Minister of construction Nguyen Tran Nam said that besides the commercial credit channel, the draft law on housing (Amendment) regulations is required for the formation of more new financial institutions for example the development Fund, Fund trusts and real property particularly model of housing savings bank. During a seminar introducing the banking model properties the housing savings held last year, this model is known siouan financial institutions accept deposits and loans within the housing sector is in many countries around the world. In Germany, the housing savings participants signed a contract of housing savings based encounter total sum they need to invest for housing. Then they started service in a store in regular income through a family savings. After service contract savings, housing savings participants will be billing the full amount of savings and housing savings bank to be granted a credit after assessing the credibility and solvency. The rate of interest of the credit loan will be determined at the time of contracting the housing savings and fixed during the entire duration of the loan. Therefore, the client does not handle fluctuating interest rates on capital markets. Over that, the ir is usually lower than the interest regarding the market for equivalent credits. This mechanism enables participants to save homes in avoided ir risk. 60 years, the home coin bank in Germany has disbursed more 1,000 billion euros for the public housing, which helps about 13 million homes improve shelter. This model also had some success in some countries like China, Czech, Hungarian, Slovak,;. Remember, when talking about this model, the leader of the Ministry of construction expects the housing coin bank will mobilize people's idle money to lend to housing development, has created the sense of saving in households and individuals have just increased the housing funds to households. May maintain models through social policy Bank these days reach the first Sino-Chinese new year just past, shared with the press, Vice Minister Nguyen Tran Nam said the Government had agreed to the proposed establishment of housing savings banks of the Ministry of construction. However, the Government directed the planning and pilot, yet need to put into law. Talk to us, a financial expert said that the idea of housing savings is an idea brought to much expectation to the people. "The principle of "50-50 is not merely created by active psychotherapy for people, the sense of an ASSH to create assets that also strengthens the State's interest in sharing the financial burden of the people. "Instead of people to save money for yourself enough to be able to buy houses, the State will keep households and lenders more missing accounts. Type has a real favorable medium for people, clearly define the source needs money, just easy to manage the market "– said. Meanwhile, with the credit institutions shift form of "Giants" are the need to restructure, the more the Bank also makes many experts fret. As of September 30, 2013, there are 6 State commercial banks, policy banks 1, 35 Joint stock full service bank inside the country, the joint venture Bank 4 Bank 5, 100% foreign owned, 100 branches and representative offices of foreign banks in Vietnam, 18 financial company, 12 financial leasing companies, 968 cooperative credit institutions. Almost any unit credit programmes have been tailored to serve the needs of houses clients. That is, the model housing coin bank, with the aim and the content as has been widely introduced to the public, are oriented to intensive operations, implementation of social security policies and to bring benefits to the people. Obviously, situated to achieve this goal, the agencies involved are the depository financial institution and the Ministry of construction have to calculate a suitable model. Experts said that the housing savings bank is a non-profit organization that if well run for profit, just like other commercial banks, the operation will be distorted. "In my opinion, does not need another bank, which designed the housing savings scheme and through policy Bank-this expert says-this is the active Bank aims at welfare, is implementing several programs of credit policies, including the housing assistance programs form and effects through in life living people, for example deleting temporary homes for poor households, housing for fellow Mekong Delta flood zone or is this new pilot film to build towers to avoid the flood region. This program is also designed and standing by the Ministry of construction. And we can fully leverage the experience, are available to make home savings ".