Many analysts believe that existing incentive mechanisms for social housing investors are not sufficiently attractive and few businesses are interested in its development. Meanwhile, banks are facing difficulties because preferential lending within the VND120 trillion ($5 billion) support package is done entirely with capital mobilized from commercial banks, so they must be concerned about preserving capital. The Hanoi Department of Construction has proposed that there be a separate chapter in the Law on Bidding regarding selecting investors for social housing projects in a streamlined fashion. In order for banks to be able to arrange a large amount of capital at preferential interest rates for social housing, the State needs to introduce certain support mechanisms, through monetary policy tools, and at the same time create conditions for banks to mobilize long-term and low-cost capital sources.