According to An Gia’s developer representative, young buyers are most concerned about financial issues when purchasing a home. Therefore, the company focuses on designing flexible payment policies to maximize support for homebuyers.
For example, a 65m² apartment priced at approximately 3.3 billion VND after tax requires only a 21% down payment, equivalent to around 690 million VND. The remaining amount is supported by a bank loan, with the developer covering 100% of the interest for 36 months (24 months before handover and 12 months after receiving the house), and a 5-year grace period on principal repayment.
Living space in the 65m² apartment
Mr. Thế Hoàng (38, HCMC) shared that he and his wife had previously considered buying an apartment multiple times but were always deterred by the initial capital and bank interest pressure. However, with An Gia’s payment policy, owning a luxury property no longer seems out of reach.
“Instead of waiting years to save enough, we only need about 700 million VND to own a river-view apartment at The Gió Riverside. The bank handles the rest, and the developer covers all interest costs, extending up to 12 months after receiving the house. This policy shortens our homeownership journey, preserves our financial reserves, and opens up asset accumulation opportunities,” Mr. Hoàng explained.
Experts note that typically, interest support policies only last 12-24 months during construction. After handover, buyers must start paying interest and other fees. An Gia’s 36-month interest support policy offers significant advantages, allowing real buyers to settle in without heavy financial pressure, while investors gain time to leverage rental income and anticipate growth cycles.
The Gió Riverside project rendering
Specifically, buyers incur no financial costs for the first three years and receive essential home appliance gifts from the developer. If rented immediately after handover at around 10 million VND/month, this income becomes positive cash flow, totaling 120 million VND annually.
Additionally, apartment values tend to rise, especially after project completion. If investors “cash in” during the interest support period, the profit margin on the initial capital can be significant, with apartment values increasing by 10-15% over 36 months, coupled with rental income.
An Gia’s representative stated that using financial leverage to buy property is common for optimizing capital. However, pressure often arises early when the property doesn’t generate income. The 3-year interest support (extending 12 months post-handover) and 5-year principal grace period help investors manage cash flow and reduce financial burdens.
For actual buyers, estimating the property’s value based on income and available funds, and calculating post-promotion interest and principal repayments, is crucial for financial planning. This fosters financial discipline and personal finance understanding among young buyers.
Infinity Dawn Pool on the 40th floor rendering
Additionally, The Gió Riverside buyers enjoy up to 18.5% discounts, a rare market offer that adds immediate profit at the transaction stage.
For a 65m² apartment priced at 3.3 billion VND, an 18.5% discount (approximately 600 million VND) significantly reduces the actual down payment and expands profit margins as the property value rises.
“Even without significant price increases, a nearly 20% discount provides financial security, reducing risks for both buyers and investors,” said An Gia’s representative.
Located in Eastern HCMC, The Gió Riverside sits at the confluence of the Đồng Nai and Ngọc rivers, near the Hà Nội Highway and the Tân Vạn junction on Ring Road 3.
The project features 68 Live-Work-Learn-Play amenities, including the Gió Đông tower’s high-rise facilities like the 40th-floor Infinity Dawn Pool, sky bar, and pool bar. These amenities, comparable to luxury hotels, cater to residents seeking refined, distinctive living experiences and set a new standard for high-end living at The Gió Riverside.
Learn more at https://www.thegio.vn/
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