Over the past two years, the real estate market has seen a major shift in buyer psychology. As land prices surge and personal capital tightens, owning a home has become increasingly challenging. Vinhomes Green City – the first all-in-one mega-urban area in Northwest Ho Chi Minh City – has timely introduced a "staged construction" payment model, easing financial burdens and expanding the path to homeownership.
Case Study: Nguyen Minh Long – A Real Buyer’s Story
Nguyen Minh Long, a 36-year-old software engineer living in Ho Chi Minh City, is a typical case. Despite saving VND 3 billion over more than a decade of work, he found it difficult to buy a home due to having to pay the full amount upfront. The staged construction model allowed him to achieve his homeownership dream with an initial investment of only VND 550 million.
Staged Payment – A Model That Matches Modern Cash Flow
Instead of paying 100% upfront like in the traditional model, buyers now only need to pay 65–70% of the property value (including land use rights and commercial value) initially. The remaining 30–35% construction cost will be deferred for 24 months, by which time area infrastructure is expected to be complete.
📌 For example: For a 60m² townhouse priced at VND 4.7 billion in Vinhomes Green City, buyers only need to pay about VND 3.2 billion initially. With a 0% interest bank loan for 2 years, they only need around VND 550 million in hand to sign the purchase agreement and officially own the property.
5 Practical Benefits of the Staged Construction Model
-
Lower upfront financial pressure: Only 15–30% payment required with support loan packages.
-
Cash flow flexibility: The 24-month grace period allows for flexible capital rotation or temporary investments.
-
Save on interest: With 0% interest for 24 months, buyers can save hundreds of millions of dong.
-
Synchronized amenities: Infrastructure and urban services will be ready when residents move in.
-
Profit optimization: Deferred payments allow buyers to invest surplus capital for potential returns.
In Line with Market Trends
In today's market, real estate prices continue to rise, while average income does not keep pace. Buyers are becoming more financially cautious, preferring to retain backup capital rather than committing everything upfront. Thus, the staged construction model becomes a balanced strategy between homeownership and financial safety.
"If I had to pay the full price of the house immediately, I would lose financial flexibility," Mr. Long shared. "Staged construction allows me to own a home while maintaining an investment and emergency fund."
Vinhomes Green City – A New Symbol of Smart Financial Living
This project possesses all the right elements to be an ideal choice:
-
Strategic location: Hau Nghia, Long An, gateway to Northwest HCMC
-
Total area: 197.2 ha, with over 4,500 townhouses, shophouses, and villas
-
All-in-one amenities:
-
4-ha Vincom Mega Mall
-
8-ha Green Lake
-
Thematic parks, schools, entertainment & sports systems
-
-
Clear development timeline:
-
Groundbreaking: Q2/2025
-
Handover: Q4/2026 – matching the 24-month staged plan
-
According to Batdongsan 2024, Vinhomes remains the most recognized real estate brand, with many of its projects among the most sought-after.
Real Strategy – Long’s Dual Approach
With a VND 4.7 billion townhouse, Mr. Long paid VND 3.2 billion upfront. Through a bank loan of 85%, he only needed VND 550 million in cash. The remaining nearly VND 2 billion is planned for investment over 33 months (24 months of staged build + 9 months prep). At a 10% annual return, he expects over VND 500 million in profit – enough to cover the remaining construction cost.
"It's like reserving a seat at a major football match – you know the lineup, stadium, and fans will all be ready on time," he joked.
Comparison Table: Staged vs. Traditional Payment
| Criteria | Staged Construction | Traditional |
|---|---|---|
| Upfront payment ratio | 15–30% | 100% |
| Financial prep time | 24 months | Immediate/Rushed |
| Investment opportunity | Yes | No |
| Amenity synchronization | Yes | Not Guaranteed |
Things to Keep in Mind with the Staged Construction Model
-
Prepare a clear financial plan for the remaining payment.
-
Choose reputable developers with transparent timelines.
-
Read contracts carefully.
-
Invest surplus capital wisely.
-
Closely monitor project progress.
Contact Information & Free Consultation
📌 Project Name: Vinhomes Green City
📞 Direct Consultation Hotline: 0837 977 978
📍 Sales Office: 22 – 24 Street No.5, Sala City, Thu Duc City, HCMC
📧 Email: trunghieu1993.hcm@gmail.com
🌐 Website: https://batdongsanhochiminh.com.vn
