The Zen Harmony Advantage: Unlocking the Triple Edge for Real Estate Success in the Northeast

With an initial capital requirement of just 1.2 billion VND and a 2-year staggered payment plan for construction costs, investors can easily secure a “VIP spot” in the new development hub of Dong Bac. 

Accommodating Investors with Limited Capital

The first breakthrough that makes Zen Harmony, the central and most luxurious division of Vinhomes Golden Avenue, highly appealing in the market is the staggered construction payment plan implemented by Vinhomes in Mong Cai. Specifically, to own a low-rise property in Zen Harmony, customers only need to make an upfront payment for the land cost (including land, infrastructure, utilities, and brand value), accounting for about 65-70% of the total property value. The remaining 30-35%, corresponding to the construction cost, can be paid two years later.

Especially, to broaden opportunities and maximize accessibility, Vinhomes offers an attractive financial aid package – a loan of up to 70% of the land cost with a 0% interest rate for 36 months. Thus, investors need to contribute only about 20-21% of the total product value, equivalent to 1.2 billion VND, to own a prestigious Vinhomes property with a land area of up to 75m².

This golden policy helps “unlock” the investment dreams of thousands of customers with limited capital – a group that has typically struggled to enter the low-rise segment due to high financial requirements. Now, with the superior staggered construction strategy, Zen Harmony opens up a safe and profitable investment opportunity for both new investors entering the market and “sharks” looking to diversify their portfolios across multiple channels simultaneously.

Expanding Profit Margins

Not only does the staggered construction payment plan at Zen Harmony reduce investors’ financial pressure, but it also serves as a “lever” to enhance profitability. Instead of waiting for sufficient funds, investors can now “book” at a good price when the project is first launched, ensuring they secure a prime location at an affordable cost.

This advantage is particularly significant as centrally located land near the border and coastal areas like Mong Cai is becoming increasingly scarce, while a range of regional infrastructure projects and on-site utilities of Vinhomes Golden Avenue are set to be completed within the next 24 months.

Specifically, in August 2025, the central roundabout with an area of 4.81 hectares – a project that establishes the trading hub of the urban area – will be finalized. In Q1 2026, the Van Ninh international port will begin operations, offering superior trade and tourism opportunities for the entire region. In the same year, the 7-billion-USD high-speed railway project connecting Hai Phong, Ha Long, and Mong Cai is expected to commence construction.

Zen Harmony is poised to experience significant value appreciation due to strategic planning and infrastructure developments.

In 2027, the Bac Luan 3 bridge and the Vietnam-China border cooperation area will break ground. Notably, by 2030, Quang Ninh will officially become a centrally governed city, providing comprehensive infrastructure and policy impetus to the real estate market.

With the 2-year staggered construction plan, Zen Harmony investors will have ample time to hold on to their VIP spots in strategic locations, awaiting the real estate value explosion as the project and regional infrastructure near completion. Indeed, low-rise Vinhomes properties have demonstrated a minimum average annual value growth of 10%, and Zen Harmony is no exception.

Ascending to a Worthy Living Experience

While most support policies in the market focus solely on financial aspects, the 2-year staggered construction plan at Zen Harmony also serves as a stepping stone for future residents to effortlessly ascend to a new, prestigious, and distinctive standard of living.

After two years, when all regional infrastructure is completed and premium utilities such as Vinschool, Vinmec international clinic, and the over-13,800m² Japanese Zen Park are operational, a community of elite residents will have formed – making it the ideal time to build and enjoy a holistic living space.

The Four Seasons Palace of Wonders offers unique entertainment, recreational, and wellness experiences.

Pioneering the wellness living model in Mong Cai, Zen Harmony introduces a comprehensive health-focused ecosystem, fulfilling the relaxation, healing, and energy regeneration needs of residents and visitors alike. Thus, Zen Harmony is not just a prestigious residential and smart investment choice; it is also becoming a hub for the elite, combining long-term profitability with a sustainable, upscale lifestyle.

With a reasonable initial investment, a wide-open profit margin, and a pinnacle of wellness living, Zen Harmony is establishing its position as the “champion” in Dong Bac’s real estate landscape. Those who act fast and “book their VIP spot” today will be the winners in the upcoming growth cycle.