Many families in Việt Nam earning over 50 million đồng per month are facing difficulties in purchasing a home. These households exceed the income threshold for eligibility in social housing programs. Simultaneously, the cost of commercial housing remains prohibitively expensive for them. This creates a challenging situation where individuals with relatively high incomes are unable to enter the private housing market. The disparity highlights an affordability crisis impacting a significant portion of the population. The issue underscores the need for more diverse housing options in Việt Nam to address this growing gap between income and property prices. This situation impacts families nationwide, but is acutely felt in major urban centers.