Expert Tips for Young Buyers Navigating the Real Estate Market
With stable interest rates, extended loan terms, and developer incentives, both homeowners and individual investors now enjoy flexible financing options. Following the 2025 Government-Bank Conference, the Prime Minister directed the State Bank of Vietnam (SBV) and commercial banks to launch preferential credit packages for homebuyers under 35. This initiative aims to lower borrowing costs, making homeownership more accessible for young adults.
Experts suggest that expanding credit access with reasonable interest rates will boost homeownership rates, stabilize the real estate market, and channel investment into genuine demand rather than speculation.
Beyond favorable credit policies and low-interest rates, today’s real estate market offers young buyers multiple advantages for making confident purchasing decisions.
According to Dr. Nguyễn Văn Đính, Vice Chairman of the Vietnam Real Estate Association, 2025 is expected to bring stability and sustainable growth to the real estate sector, offering opportunities for both investors and homebuyers. Supply is projected to increase in areas surrounding Hanoi and Ho Chi Minh City. Developers are also introducing attractive incentives to simplify the homeownership process.
For instance, the Risa by La Pura tower (part of the La Pura apartment project) by Phát Đạt offers a unique policy in Ho Chi Minh City’s Northeast core. Buyers need only a 10% down payment (250 million VND), with 75% bank financing, a 2-year principal grace period, and 3 years of interest support. This policy ensures ease of purchase, sale, and rental.
Similarly, TT AVIO’s final units are available with a 20% down payment and 70% bank financing. Phú Đông SkyOne provides flexible financing for young buyers, requiring just 10% down until handover, with 0% interest and a 24-month principal grace period.
Stable interest rates and developer incentives provide flexible financing options for homebuyers.
At the recent Thanh Tra-hosted seminar, “Can Young Adults in Ho Chi Minh City Afford Housing on a 20 Million VND Income?”, Mrs. Trần Thị Ngọc Liên, Deputy Director of SBV Region 2, affirmed that homeownership for young people is achievable through coordinated efforts from policymakers, banks, and developers.
Mrs. Cao Thị Thanh Hương, Senior Research Manager at Savills Ho Chi Minh City, noted that bank loans are a common solution for individuals seeking homeownership without full savings. Investors can leverage low-interest rates to maximize profits.
However, Mrs. Hương advised buyers to thoroughly assess their financial capabilities, including detailed income and household expenses, before determining loan amounts.
Expert Analysis of Condominium Investment Trends
Condominiums are no longer just homes; many young buyers are investing in them for rental income and long-term asset accumulation. Real estate expert Trần Khánh Quang highlights that condominium investment is a sustainable trend due to high rental demand, especially in densely populated areas. Property values typically appreciate annually, offering dual benefits from rental income and asset appreciation.
Quang explains that leveraging loans to purchase rental properties allows buyers to cover monthly loan payments with rental income. After 10-12 years, the debt is cleared, and the property continues to generate steady income. However, buyers must ensure consistent profitability and asset liquidity by choosing properties with prime locations, clear legal status, and convenient transportation access.
High demand for condominium living and rentals in densely populated areas near major transportation hubs.
How can buyers select the best condominium from thousands of options?
Đinh Minh Tuấn, Director of Batdongsan.com.vn, advises prioritizing developer reputation, which impacts property value through construction progress, handover speed, legal documentation, management quality, and resident satisfaction.
Secondly, properties should meet two key criteria: scarcity (2+ bedroom units offer the best appreciation, while 1-bedroom units have higher rental yields) and appeal to high-quality tenants (expatriates, skilled workers, modern families). International standards in design, amenities, and management ensure sustained demand and liquidity.
Location-wise, ideal properties feature essential amenities within a 1-2km radius (schools, hospitals, malls, parks, rivers) and are within 5km of offices, tech hubs, or administrative centers, ensuring stable rental demand and long-term value growth.
Financially, Tuấn recommends projects with extended payment plans, interest support, and rental offset strategies to maximize leverage. “In a competitive market, success rewards those who choose wisely,” he emphasizes.
Luxury Living in Hanoi: Apartment Prices Hit the 100 Million VND/m² Mark
In Q3/2025, Hanoi apartment prices remain high, with luxury and high-end projects driving the average primary market price to over 100 million VND/m². Despite increased new supply, the market still lacks affordable options, leaving many genuine buyers struggling to keep up in the race to purchase a home.
How Vietnam’s Youthful Resident Community is Reshaping the Apartment Market
In the past, the primary buyers were financially established groups, but today, Millennials and Gen Z—a young, increasingly affluent workforce—are emerging as the key drivers shaping product trends and sales strategies in the real estate industry.
Cen Land (CRE) Reports Q3 2025 Profit Doubling Year-Over-Year
Century Real Estate Joint Stock Company (Cen Land, stock code: CRE) has released its consolidated financial report for Q3/2025, showcasing robust business performance. In Q3/2025, the company’s after-tax profit reached 20 billion VND, a 25% increase year-over-year, bringing the nine-month cumulative profit to 63 billion VND—a remarkable 103% surge.
Upcoming Completion of Key Infrastructure Projects in the West: Easier Access to Ho Chi Minh City’s Core
Beyond its abundant land resources and reasonable pricing, the presence of multi-billion-dollar infrastructure projects is emerging as a powerful catalyst for the real estate market in the western region of Ho Chi Minh City.
Ho Chi Minh City Proposes Streamlined Procedure for New Land Price Schedule
Ho Chi Minh City is currently conducting approximately 27,000 surveys across 7,505 road sections in Ho Chi Minh City, Binh Duong, and Ba Ria – Vung Tau to establish a unified land price table for the first time, set to take effect from January 1, 2026. To meet the deadline, the Department of Agriculture and Environment has proposed that the Ho Chi Minh City People’s Committee approve the construction of the land price table with a streamlined process and procedures.
