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Real estate knowledge
Knowledge on buying, renting, consigning, investing, finance, planning and legal status, and interior and exterior — search by category or keyword before placing a deposit or signing a contract. For feng shui and customs, see Feng shui & spirituality.
- Buying in a new project10 articles
- Checking a project's legal status before you buy
- Working out cash flow for a project home
- Flooding and high tides when choosing a project
- Buying or renting a ready home16 articles
- Buying a ready apartment: the 6-step process to title transfer
- Buying an apartment with a pink book: checks before the deposit
- Renting a central Ho Chi Minh City apartment: the total monthly cost
- Owners consigning a property11 articles
- What is property consignment: 3 forms, fees and the contract
- Consigning a project apartment for resale
- Transferring an apartment sale and purchase agreement
- Investors19 articlesSee the whole category →
- Real estate finance8 articles
- How to calculate home-loan interest
- Early repayment: how the penalty is calculated
- Taxes and fees when buying and selling real estate
- Planning – Legal8 articles
- How to look up land and project planning
- What are 1/500 and 1/2000 planning
- How the red book and pink book differ
- Interior – Exterior8 articles
- Apartments handed over raw, basic or fully finished
- Cost of finishing an apartment's interior
- Furnishing a small apartment: studio, 1 bedroom
No matching articles — try a shorter keyword, or ask an HPR consultant at the bottom of the page.
Buying in a new project
- Checking a project's legal status before you buyFive groups of documents to review before placing a deposit on an off-plan apartment or townhouse
- Working out cash flow for a project homeProgress-based payments, bank loans, principal grace periods — how to prepare a calculation before you decide
- Flooding and high tides when choosing a projectPeak tides and the latest flood spots in Ho Chi Minh City and the South — 6 steps to check ground elevation, drainage and basements
- Comparing 3 apartment projects under 3 billion VND near industrial parksPrices from 1.93 billion VND (Monrei), 1.97 billion VND (Maison Grand) and 2.75 billion VND (Green Skyline) — location, legal status, construction progress and payment side by side
- Reservation, deposit, sale and purchase agreement: what is the difference?A deposit of at most 5% of the sale price, and only once the project is eligible for sale — telling the 3 steps apart before the launch
- Costs on top of an apartment's price: VAT, 2% maintenance fund, registration feeVAT, the 2% maintenance fund, the 0.5% registration fee, management fees — about 70 million VND on a 3 billion VND unit
- Reading a sales policy: discounts, interest support, the real priceDiscounts, interest-rate support and principal grace periods converted into a real price — an Izumi City unit at 9.52 billion VND comes down to 7.73 billion VND
- Project home loans: what you pay once the floating rate kicks inA 2 billion VND loan over 20 years: 16.7 million VND/month at 8%, 24.9 million VND at 14% — a self-check table for repayment capacity
- Bank guarantees for off-plan homesIf the developer does not hand over the home, the bank guarantees a refund of what you have paid — how to check the guarantee letter
- Taking handover: inspection and measuring the net areaA 12-step checklist for handover day, how to measure the net area and how to handle area differences
Buying or renting a ready home
- Buying a ready apartment: the 6-step process to title transferA 3 billion VND unit costs about 78–79 million VND in transfer taxes and fees — 6 steps from viewing, deposit and loan to receiving the pink book, with the cost and time of each step
- Buying an apartment with a pink book: checks before the deposit6 things to check — a genuine pink book, mortgages, the 2% maintenance fund, unpaid management fees; 2% personal income tax for the seller, 0.5% registration fee for the buyer
- Renting a central Ho Chi Minh City apartment: the total monthly costA 2-bedroom unit at 32 million VND/month costs about 33.7 million VND once management fees, electricity and water are added — each item broken out so you can work it out yourself
- Checking an apartment rental contract: deposit, term, handoverNotarisation is not required, but the contract must be in writing; at least 30 days' notice to terminate — 9 points to check before transferring the deposit
- Apartment title transfer in 2026: procedure and costsA 3 billion VND unit costs about 78–79 million VND in transfer taxes and fees — who pays what, done within 30 days
- Buying an apartment mortgaged to a bank: releasing the mortgage safely3 safe ways to release the mortgage: the repayment goes straight to the bank, never through the seller's hands
- Viewing a ready home: 7 things to check on site7 on-site checks: leaks and damp, sun orientation, noise, the management board, service fees, lifts, fire safety
- Buying an apartment without a pink book: conditions, tax, risksTaking over a sale and purchase agreement: conditions, developer confirmation, tax and 6 risks
- Secondary versus primary prices: is the asking price reasonable?Secondary in Ho Chi Minh City about 62 million VND/m², primary 76 million VND/m² (Q2 2026) — 5 steps to compare a unit on offer
- Bank loans for a ready apartment: valuation, disbursementBanks lend 70–80% of the valuation, which is often 10–20% below the purchase price — an 8-step process
- Temporary residence registration when renting: documents, where, deadlinesStaying 30 days or more requires temporary residence registration: form CT01, the lease, filed via VNeID or at the commune police
- Losing the deposit when leaving a rental early: when, and how to avoid itWhen ending a lease early costs you the deposit, 3 cases where termination is allowed, and how to negotiate
- Renting an apartment as a foreigner: documents, lease, temporary residencePassport, visa, bilingual lease, temporary residence declaration within 12 hours — available in English and Japanese
- Furnished or unfurnished rental: comparing costs, handoverWhen an unfurnished home works out cheaper: the rent difference against the cost of buying furniture, plus a sample handover record
- Questions before signing an apartment lease: 7 groups to ask about7 groups of questions: management fees, electricity and water rates, parking, pets, repairs, paperwork, temporary residence
- Choosing where to rent by your workplace in Ho Chi Minh CityNear industrial parks, the city centre or international schools — which area fits, and how long the commute takes
Owners consigning a property
- What is property consignment: 3 forms, fees and the contractThe fee is agreed between the parties, and the consignee must have at least 1 person holding a brokerage certificate — 7 contract clauses to read
- Consigning a project apartment for resaleThe consignment steps, the documents to prepare and what owners should agree on clearly
- Transferring an apartment sale and purchase agreementA unit whose pink book application has not yet been filed can be sold by transferring the SPA: 2% personal income tax, developer confirmation within 5 working days
- Pricing an apartment for rent: comparing similar unitsTake 3–5 similar units in the same project, adjust for floor, orientation and furniture; revise the asking rent after 2–4 weeks
- Renting out an apartment: the owner's paperwork and taxRental revenue of 1 billion VND a year or less is exempt from VAT and personal income tax — but the revenue must still be declared
- Preparing a unit for sale or rent: tidying, small repairs, photosTidy up, fix small defects, take 15–20 photos and 1 short video before the consignment listing goes up
- Exclusive or non-exclusive consignment: how to choose7 criteria compared: term, fees, number of parties listing, control over the price — when to choose which
- Costs of selling a home in 2026: 2% tax, notarisation, brokerageSelling a 3 billion VND unit: 60 million VND personal income tax (2%), notarisation about 2.2 million VND, brokerage fee by agreement
- Selling an apartment that is rented out: must the lease end?The lease does not have to end: the tenant stays until it expires and has a 30-day right of first refusal to buy
- Rental contracts: 7 clauses that protect the owner7 clauses to include: deposit, damage, pets, repairs, subletting, late payment, termination
- Sell or keep renting out the apartment: comparing the numbersExample of a 3 billion VND unit: a net rental yield of about 2.9% a year against 5.9% in savings — working out the break-even point
Investors
- For investorsOne point of contact for the whole life of an apartment: buying, renting out, reselling — a list of units and a cash-flow table
- Calculating rental incomeEnter the rent, vacant months, fees and tax yourself to see net annual income and yield — the tool does not suggest a price
- Sourced market newsPrices, loan rates, housing policy — every article states its source and publication date (articles in Vietnamese)
- Rental yield: calculating gross and netExample of a 4 billion VND unit let at 11 million VND/month: a gross yield of 3.3%, about 2.2% net after all costs
- Buying primary or secondary: comparing investment cash flowThe same 4 billion VND unit: primary needs 1.2 billion VND at signing but no rent yet; secondary needs the full amount and rents out straight away
- Bank leverage for buying a home: how much to borrow safelyRepayments under 35–40% of income even if rates rise 4 percentage points — a rate stress-test table
- Infrastructure and land prices: reading progress to avoid inflated pricesCount only milestones backed by documents and works actually under construction — for example, 8 milestones of Long Thanh airport
- Tax when selling an investment apartment: 2% of the sale price, working out real profitBought at 2.4 billion VND, sold at 3 billion VND, with a loan: after 2% tax, fees and loan interest, only about 134 million VND of real profit remains
- Interest rates up 1–3%: how far can a rental apartment's cash flow hold?Borrowing 2 billion VND, rent 11 million VND/month: about 12.1 million VND to cover at an 11% rate, 16.6 million VND at 14% — a 3-scenario table
- Infrastructure update: checking 6 HPR projects against the latest progressAs of 24 October 2026 only the Nhon Trach bridge and 2 expressways are open to traffic; the Cat Lai and Long Hung bridges broke ground on 29 September 2026 and finish from 2029
- Foreigners buying homes in Vietnam: conditions, quantity, termUp to 30% of the apartments in each building, 250 landed houses per ward-sized area, 50-year ownership renewable once; how overseas Vietnamese differ
- Holiday rentals in Nha Trang and Phu Quoc: is the cash flow stable?Example of a 2 billion VND unit rented by the night: revenue of 8.2% a year leaves about 2.8% net, and about 2.1% when the low season is quiet
- Choosing an investment project by legal status and developer reputation: 6 criteriaScore each criterion 0–2, maximum 12; a 0 on land legal status or eligibility for sale means stop — with a sample comparison table
- Own capital when buying an investment apartment: what percentage of the price is neededA 3 billion VND unit with a 70% loan needs about 1.13 billion VND in cash — 30% own capital, maintenance fee, registration fee and a 6-month loan-interest reserve
- Buying an apartment for rental cash flow or waiting for price growthA 4 billion VND unit held 5 years with no price change: renting earns about 160 million VND, waiting for price growth loses about 240 million VND
- Occupancy rate of a rental apartment: how long vacant before breaking even?Each vacant month loses 8.3% of annual rent — borrowing 700 million VND at 13%, an 11 million VND/month unit already runs at a loss after 1 vacant month
- Holding costs of a rental apartment: management fee, maintenance, taxBesides loan interest, holding a rental unit costs about 0.8–1.3% of its value a year — for a 4 billion VND unit: 30–51 million VND
- Short-term letting, Airbnb: is it legal and worth doingExample of a 2-bedroom unit in Ho Chi Minh City: it must be booked about 16 nights a month to match a long-term let; Ho Chi Minh City has required registration of accommodation facilities since 25/4/2026
- Land plots and townhouses in Dong Nai new urban areas: what to check before buyingA townhouse under construction needs all 7 groups of conditions (Article 24), a land plot for self-build needs all 8 items (Article 31); deposit up to 5%, 2% tax on sale
Real estate finance
Loan interest, early repayment, taxes and fees, valuation, collateral appraisal, loan insurance — worked examples in numbers so you can check for yourself.
- How to calculate home-loan interestDeclining balance versus original principal: borrowing 2 billion VND over 20 years at 10% — a table comparing each month's payment
- Early repayment: how the penalty is calculatedRepaying 500 million VND with a 2% fee is 10 million VND — how to work out break-even and what to ask the bank
- Taxes and fees when buying and selling real estatePersonal income tax 2%, registration fee 0.5%, notary fee — who pays, and when you are exempt
- Real estate valuation3 methods: comparing similar units, converting rental income, and estimating construction cost — with examples
- Collateral appraisalHow banks value a home, reference loan-to-value ratios and factors that lower the appraised value
- Home-loan insuranceMandatory or voluntary, a fee of about 1% in exchange for a lower rate — how to compare before signing
- Borrowing to buy social housingIncome conditions, preferential-rate packages for people under 35, and an example of the monthly payment
- Managing your finances before buying a homeInstalments as a share of income, a reserve fund, and testing a rate rise before borrowing
Planning – Legal
Looking up planning, land-use certificates, change of land-use purpose, plot splitting and construction permits — under current law, with what to ask the managing authority.
- How to look up land and project planning3 official channels, 5 steps to look up, what to read on the map and what to ask the managing authority
- What are 1/500 and 1/2000 planningHow detailed planning differs from zoning planning, how to read them, and what to ask the developer
- How the red book and pink book differUnder the 2024 Land Law both are now called the Certificate — legal value and what to check when buying
- Residential land and changing the land-use purposeWhen permission is required (Article 121 of the 2024 Land Law), documents, financial obligations and risks when buying
- Conditions for splitting a land plotArticle 220 of the 2024 Land Law, the minimum area set by the provincial People's Committee, documents and common mistakes
- Construction permits for individual housesCases exempt under the 2025 Construction Law, when a permit is mandatory, documents and filing steps
- Capital-contribution contracts for buying a home: risksHow they differ from a sale and purchase agreement, 6 points to check before transferring money for a home to be built
- Ownership term of an apartmentHow Vietnamese citizens own, foreigners up to 50 years at most, the land term and the building's service life
Interior – Exterior
Finishing, layout, materials, waterproofing, renovation and safety inside an apartment — reference costs with sources.
- Apartments handed over raw, basic or fully finishedWhat the developer does at each level, the price gap of about 2–3 million VND/m² and the cost of finishing it yourself
- Cost of finishing an apartment's interiorPrice ranges for 40–100 m², 3 levels basic – medium – high, and how to read a quotation
- Furnishing a small apartment: studio, 1 bedroomA 30 m² studio and a 45 m² one-bedroom: soft zoning, floor-to-ceiling cabinets, a reference budget
- Choosing floor materials: laminate, SPC or tilesPros and cons, moisture resistance, reference prices per m² and how to choose for each room
- Waterproofing bathrooms, balconies and rooftop terracesCommon leak spots, process, a water test of at least 24 hours and what to check at handover
- Renovating and repairing an apartmentWhat you may change, what needs permission, documents and deadlines, and what to ask the building management
- Balcony and window safety for homes with small childrenRailings, nets, window locks, furniture placement and a checklist at handover
- Apartment lighting and ventilationNatural light, lamp colour temperature for each room, kitchen and bathroom ventilation
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