To read more, please click hereThough social housing is seen as a way to deal with the perennial shortage of affordable homes, there are various problems that need to be overcome in order to successfully put housing plans into action. Affordability challenges Owning a home in HCMC is challenging for families with average incomes. To achieve this goal, they need to take loans from banks or seek capital from other funding sources. However, even if they succeed in obtaining loans or capital from other fundraising channels, finding an affordable home remains a daunting task.