The Ultimate Urban Sanctuary: Discover the 20% Down Payment Dream

Super-attractive Policies Make Every Purchase a Smart Move

Over the years, to stimulate home buyers, investors have introduced super-attractive stimulus packages. Among these, the 30% payment policy upon receiving the house has been considered the magic key to boosting liquidity for investors and residents with limited capital. However, in late August, the investor of The Emerald 68 took it a step further by announcing that only a 20% payment is required until the pink book (land use right certificate) is handed over.

As soon as this policy was announced, it caught everyone’s attention. Ms. Lan Khanh, a customer buying for residential purposes, shared: “For the investor to make this commitment, it is clear that they are very confident in the legal process. In the context of many projects being delayed in issuing land use right certificates, their bold guarantee demonstrates their credibility and determination. The longer it takes to obtain the certificate, the more disadvantaged the investor becomes, so they will have to strive even harder to complete the project and obtain the certificate as soon as possible. On the other hand, the longer it takes to get the certificate, the more beneficial it is for the buyer. Either way, the buyer gains the most. Not to mention, the initial capital requirement of only 20% is very appealing, so I bought it immediately.”

From an investment perspective, Mr. Quang Thang revealed that he decided to buy two apartments in bulk: “The apartment market usually has two significant price increase milestones: handover and issuance of the land use right certificate. The project is currently under construction on the 24th floor out of 39 floors and is expected to be completed by the second quarter of 2027. If we add 6-18 months for the certificate process, then in 2027-2028, there will be a convergence of three golden points for price increases: handover, issuance of the certificate, and the completion of the expansion of National Highway 13. With an initial capital requirement of only 20%, the profit potential is very clear.”

Moreover, after the merger of Dong Bac Real Estate with Ho Chi Minh City, land prices in this area have skyrocketed. Some well-located upcoming projects are rumored to be priced at 65-70 million VND per square meter, setting a new price standard that rivals the old inner-city districts. With its prime location as a central apartment complex and being the closest to the Saigon Ward (only 11.5km) compared to other projects in the northeast center, The Emerald 68 is expected to experience significant price increases as the current prices are still soft.

Breakthrough Market Strategies with Synergistic Benefits

But that’s not all; during this launch, The Emerald 68 also shocked investors with a series of top-tier policies.

Specifically, you can now own a luxury apartment in the northeast area, developed by the duo of Le Phong Corporation and Coteccons as the investor, with a salary of only 10 million VND per month. This amount is equivalent to only 1/3 of the salary of a single young person and 1/6 of the income of a dynamic young family. With only a 6.8% payment, you can sign a purchase agreement—the lowest financial requirement for a legally completed apartment. The bank’s willingness to lend 80% for up to 30 years validates the project’s “real deal, real price” valuation. Earn an immediate profit of over half a billion VND with a cashback policy of up to 22% for quick payments—the highest discount rate in the market.

With the policy of buying a house with a salary of only 10 million VND per month, The Emerald 68 helps young people increase their chances of owning a luxury apartment in the center of Ho Chi Minh City. In the picture, customers attend a site tour and directly inspect the construction quality at The Emerald 68 on August 26, 2025. (Photo: Quoc Dung)

Notably, customers can enjoy maximum financial flexibility with a debt principal grace period until they receive the house and a 5-year interest support program. For the first two years, customers are exempt from 100% of the interest, and for the next three years after receiving the house, the investor will support 5% of the floating interest rate of the bank. This allows buyers peace of mind regarding interest rate fluctuations and enables them to own a luxury apartment with minimal payments for five years. This period is long enough for a young person to accumulate the remaining amount of the asset or, at the very least, significantly reduce the principal debt so that after the policy ends, the repayment burden remains manageable.

The Emerald 68 is a quality-assured project by Coteccons – Vietnam’s leading construction contractor. The project is currently ahead of schedule, having completed 24 out of 39 floors, an impressive 60 days ahead of schedule. (Photo: Quoc Dung)

The fact that the project is ahead of schedule, having completed 24 out of 39 floors, also ensures timely handover and provides a dual benefit. During the period of enjoying the incentives, customers can choose to rent out the apartment. With an initial capital outlay of only 20%, while the gross profit rate of apartments in the northeast area reaches 10-12% per year, investors can achieve a profit of 50-60% of the product value within five years, equivalent to three to four times the initial capital.

Despite all these advantages, the primary supply of The Emerald 68 is currently very limited. This is the final phase, offering the best limited units in the Mega tower, with a million-dollar view, including the Saigon River, Landmark 81, and a multi-point fireworks display during holidays and Tet.

With its unprecedented policies and superior financial benefits, The Emerald 68 not only breaks through the payment limitations in the apartment market but also creates a new investment opportunity, offering exceptional profits for both homebuyers and long-term investors.