The Ultimate Guide to Low-Rise Investment: Unlocking Opportunities with Limited Capital

Breakthrough Solution to Untangle the Market’s Knots

According to experts, while 2024 was the year of apartments, 2025 is shaping up to be the year of low-rise buildings. Dr. Nguyen Van Dinh, Chairman of the Vietnam Real Estate Brokers Association, explains that as the number of high-income customers increases, so does their demand for high-quality products. With this new trend, land-attached homes, especially townhouses that can be used for both residential and commercial purposes, will become the primary choice for most investors.

However, low-rise buildings are still considered the domain of large-scale investors due to their high price floor. This barrier has prevented many small-scale investors from participating, causing them to miss out on opportunities to own assets with sustainable growth potential. In this context, the introduction of the staggered construction model at Zen Harmony, the most premium subdivision in Vinhomes Golden Avenue, has provided a breakthrough solution.

As shared by Tran Nguyen Minh, a veteran investor in Mong Cai City, this “ahead-of-its-time” model allows customers to own low-rise products with clear legal status and synchronous infrastructure without the need to build immediately. This significantly reduces financial pressure while optimizing capital efficiency.

“Instead of having to pay the full cost upfront, investors can allocate their financial resources reasonably, thereby diversifying their investment portfolios and minimizing risks,” Minh said. “Especially, this model expands opportunities for various entities, from small-scale investors to individuals with limited capital, contributing to unblocking capital flow in the real estate market.”

The staggered construction model helps investors capitalize on the natural price appreciation of real estate as infrastructure and utilities are completed.

Providing further analysis, the investor added that another prominent advantage of the staggered construction model is its ability to avoid wasting social resources. Instead of having completed houses remain vacant, which leads to a loss of economic value and urban landscape, this model allows investors to build according to actual needs, ensuring optimal efficiency. Moreover, the staggered construction model at Zen Harmony offers the opportunity to ‘buy at the original price and sell at the peak’, leveraging the project’s and the market’s growth potential.

Statistics show that Vinhomes’ low-rise projects have experienced strong price increases, averaging over 10% per year, with some locations even reaching 20-40% per year. Projects such as Vinhomes Riverside, Vinhomes Thang Long, and Vinhomes Green Bay have made remarkable strides, bringing significant profits to early investors.

“Mong Cai City plays a crucial role in the Northeast economic corridor, serving as both an international gateway and a region with great potential for urban, tourism, and service development,” Minh emphasized. “With the infrastructure planning and strong investment wave, this area will witness impressive growth spurts in the medium to long term. The introduction of the staggered construction model at Zen Harmony by Vinhomes is considered a rare opportunity for small-scale investors to join and anticipate the new price hike cycle.”

Lowest Investment Quota, Starting From VND 1.2 Billion

The staggered construction model at the Zen Harmony subdivision stands out not only for its innovative approach but also for its attractive sales policies, which have lowered the investment quota to a record low of VND 1.2 billion. This is an unimaginable figure for the low-rise segment, especially when referring to Vinhomes products, which are synonymous with sophistication and superior growth potential.

Instead of a lump-sum payment, the staggered construction model allows for a clear separation of investment funds into two distinct phases. Specifically, investors only need to pay for the land value (including land, infrastructure, utilities, and brand value), which accounts for about 65-70% of the property value. The remaining 30-35%, corresponding to the construction value, is only payable after two years, giving investors sufficient time for preparation or leveraging new financial opportunities.

The staggered construction model at Zen Harmony is one of the most attractive investment opportunities in Mong Cai today.

Zen Harmony also offers exceptional financial support policies, making the investment dream a reality for all entities. For early payment, buyers will receive up to 17% discounts along with 11% per annum on early payment amounts. An 8% discount is applicable for payments following the standard schedule.

Investors can borrow up to 70% of the land value at a 0% interest rate for three years. The initial capital requirement is as low as 20-21% of the property value in the first two years. Thus, with a self-funded amount of only VND 1.2 billion, investors can own a Vinhomes shophouse with a land area of up to 75 square meters. This is a highly accessible investment, enabling investors to easily acquire what is considered a ‘must-have’ product in the real estate portfolio of sophisticated investors.

Observers assess that the staggered construction model at Zen Harmony is not only a smart financial solution that eliminates investment barriers but also a catalyst for the strong growth of the Mong Cai real estate market in the new growth cycle.