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Giá thuê căn hộ tăng cao, cơ hội cho người lao động có chỗ ở càng khó

Posted by congtylytran on Tháng 3 9, 2025

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Giá thuê căn hộ tăng cao, cơ hội cho người lao động có chỗ ở càng khó

Mặt bằng căn hộ chung cư “leo thang”

Dữ liệu nghiên cứu của Hội Môi giới Bất động sản Việt Nam (VARS) cho thấy, đến thời điểm cuối năm 2024, giá sơ cấp căn hộ chung cư trung bình tại Hà Nội đã đạt 70 triệu đồng mỗi m2, tăng 35,4% theo năm, khi các dự án mở bán mới đều thuộc phân khúc cao cấp, hạng sang, kéo theo mặt bằng giá thứ cấp cũng tăng mạnh.

Mặt bằng giá căn hộ chung cư liên tục tăng cao và thiết lập mặt bằng mới khiến giá thuê căn hộ cũng có xu hướng “leo thang”, với mức tăng trung bình từ 10-20% trong năm 2024. Ở khu vực trung tâm thành phố, gần như “vắng bóng” các căn hộ chung cư có giá thuê dưới 10 triệu đồng mỗi tháng, giá thuê căn hộ 1 phòng ngủ phổ biến từ 10 – 15 triệu đồng/tháng, 2 phòng ngủ từ 15 – 20 triệu đồng/tháng. Tại khu vực vùng ven, giá thuê căn hộ trung bình từ 6,5-15 triệu mỗi tháng, tăng từ mức phổ biến từ 3-8 triệu đồng/tháng trong vòng chưa đầy 5 năm.

Xu hướng này được thúc đẩy do nhu cầu thuê nhà tăng cao trước tình trạng giá bán vượt xa khả năng tài chính của phần lớn người lao động, khiến việc thuê nhà trở thành giải pháp tất yếu.

Giá thuê tăng cao vẫn không theo kịp giá nhà

Khi giá nhà tăng cao buộc các chủ nhà buộc phải nâng giá thuê để đảm bảo lợi nhuận và cân bằng dòng tiền đầu tư. Dù thực tế tỷ suất lợi nhuận từ việc cho thuê căn hộ ngày càng thấp do giá thuê không theo kịp mức tăng giá nhà. Tốc độ tăng giá thuê chỉ bằng khoảng 1⁄2 giá nhà trong năm 2024, trên nền tảng tỷ suất lợi nhuận từ việc cho thuê căn hộ tại Việt Nam chỉ ở mức khoảng dưới 4%, phổ biến dưới 2%, thấp hơn so với việc gửi tiết kiệm.

Bên cạnh đó, việc giá vật liệu xây dựng, chi phí bảo trì và phí quản lý chung cư gia tăng cũng góp phần đẩy giá thuê lên mức mới, đặc biệt là đối với các căn hộ có vị trí tốt và tiện ích đầy đủ. Sự thay đổi trong tư duy và lối sống của người trẻ, đề cao sự linh hoạt trong việc lựa chọn nơi sống, ưu tiên thuê nhà để dễ dàng thay đổi chỗ ở theo công việc, phong cách sống, hoặc tiếp cận các khu vực có tiện ích tốt hơn, cũng là một trong những nguyên nhân góp phần thúc đẩy sự phát triển của thị trường căn hộ cho thuê.

Cùng với xu hướng tăng giá chung của thị trường BĐS, giá thuê nhà trọ, chung cư mini,… cũng tăng vọt. Việc giá thuê liên tục tăng cao, khiến nhiều người lao động, đặc biệt là người trẻ, có thu nhập trung bình và thấp, gặp khó khăn trong việc duy trì cuộc sống tại đô thị, khi chi phí thuê nhà chiếm tới 35-50% thu nhập, cộng với các chi phí sinh hoạt khác, người trẻ gần như không có khả năng tích lũy.

Nhiều người không còn đủ khả năng chi trả, buộc phải thu hẹp không gian sống, tìm kiếm lựa chọn rẻ hơn hoặc thậm chí rời khỏi các thành phố lớn. Xu hướng dịch chuyển ra các khu vực vùng ven ngày càng rõ ràng hơn, nhờ giá thuê thấp hơn khoảng 20-30% so với trung tâm. Tuy nhiên, việc dịch chuyển ra xa cũng mang đến nhiều thách thức khi hệ thống giao thông công cộng chưa phát triển đồng bộ, chi phí đi lại tăng lên,…

Đáng chú ý, không chỉ lao động phổ thông, mà cả những lao động trẻ có trình độ cao cũng bắt đầu rời khỏi trung tâm đô thị, điều này có thể ảnh hưởng đến sự phát triển kinh tế – xã hội của thành phố.

Hỗ trợ nhà ở cho người trẻ

Do đó, VARS cho rằng, bên cạnh việc tiếp tục thúc đẩy phát triển phân khúc Nhà ở xã hội, để hỗ trợ laođộng trẻ, Nhà nước cần sớm nghiên cứu phát triển quỹ nhà ở cho thuê dài hạn với giá rẻ, ưu tiên nhómlao động trẻ, công nhân viên chức, trí thức trẻ, các lao động làm việc trong ngành nghề trọng điểm. Khuyến khích các chủ đầu tư tham gia xây dựng nhà ở giá rẻ thông qua ưu đãi thuế, hỗ trợ vay vốn hoặc giảm chi phí đất. Đồng thời, cần đẩy mạnh phát triển hệ thống giao thông công cộng, giúp người lao động dễ dàng di chuyển từ khu vực giá rẻ đến trung tâm làm việc.

Nhà nước có thể nghiên cứu áp dụng mô hình ký túc xá cho lao động đô thị như tại Singapore. Theo đó, tại Singapore, Chính phủ cung cấp nhà ở giá rẻ cho người trẻ, người độc thân và lao động có trình độ thông qua HDB Public Rental Scheme và BTO (Build-to-Order). Người lao động trẻ mới ra trường, chưa có khả năng mua nhà, có thể thuê căn hộ HDB với giá thấp hơn thị trường 40-50%. Khi có đủ tài chính, họ có thể mua căn hộ BTO với chương trình trợ giá và và vay mua nhà lãi suất thấp.

Thứ hai là Purpose-Built Dormitories (Ký túc xá chuyên dụng cho lao động), chủ yếu phục vụ lao động nhập cư và lao động trẻ chưa có nhà ở ổn định. Mỗi ký túc xá có sức chứa từ 1.000 – 25.000 người, được quản lý theo mô hình hiện đại với phòng ở sạch sẽ, an ninh đảm bảo, có khu sinh hoạt chung, bếp ăn, nhà tắm, phòng giải trí. Hệ thống vận hành chặt chẽ, đảm bảo tiêu chuẩn vệ sinh, an toàn lao động.

VARS cho rằng, để đảm bảo thị trường BĐS phát triển bền vững, các chủ đầu tư cần nghiên cứu phát triển các sản phẩm nhà ở có giá phù hợp hơn với nhu cầu của đại đa số người dân. Bởi mặc dù nhu cầu về nhà ở cao cấp cũng rất lớn, nhưng nhu cầu chính và chiếm tỷ trọng lớn nhất trong thị trường là nhà ở giá bình dân, trung cấp. Thị trường BĐS sẽ buộc phải điều chỉnh khi cung – cầu ngày càng lệch pha khiến sức mua giảm sút, khi người có nhu cầu mua nhà ở để ở không đủ năng lực tài chính, nhà đầu tư cũng “chán” vì tỷ suất cho thuê có thể tăng mạnh trong tương lai.

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