Buyers under the age of 35 have so far drawn down only around 577 billion dong in loans for social housing, with the count taken up to August 31. The figure is small next to what the state earmarked to meet this group's housing needs. Two obstacles explain the shortfall. Interest rates on the subsidised credit still weigh heavily on young earners with modest salaries. The conditions attached to the loans also screen out applicants who would otherwise like to take part. Paperwork and income requirements have proven hard for many young workers to satisfy. The upshot is that the scheme built to get under-35s into their own homes is moving far slower than planned. The gap between the money available and the money actually disbursed is the clearest measure of that.