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Real Estate Briefing: Home Loan Rates Rise as Apartment Supply and Infrastructure Gain Momentum

The real estate market is seeing notable developments in policy, finance and project supply. Preferential home loan rates at several banks have continued to rise, with 12-month fixed rates exceeding 10% per year, significantly higher than in the first half of the year. Meanwhile, experts have proposed expanding on-site resettlement when land is acquired for commercial housing projects. The Vietnam Real Estate Association has also proposed classifying stalled resort real estate projects according to their respective obstacles, with the aim of resolving them within the next 12 months. For commercial and service apartments, investors are advised to carefully consider legal status, capital costs, projected operating efficiency and the developer’s capacity.

In terms of supply, southern Ho Chi Minh City is expected to account for more than half of new apartment supply as a series of projects launch simultaneously at the end of the year. Several projects are accelerating construction and benefiting from improved infrastructure connectivity. Tower A1 of Monrei Saigon has reached the 20th floor and is expected to be handed over in January 2028. Vlasta Premier Phu Thuan is benefiting from infrastructure works including Thu Thiem 4 Bridge, Phu My 2 and Can Gio, along with major roads. Diamond Sky is supported by transport infrastructure in northeastern Ho Chi Minh City and the existing ecosystem at Van Phuc City. In Can Tho, Thien Quan Center, a 39-storey complex comprising a commercial center and high-end apartments, has an investment capital of VND 1.552 trillion and is expected to break ground on September 2. Elsewhere, Gia Lai has established the 65-hectare Tan Nghi industrial cluster with capital of nearly VND 400 billion in An Nhon Ward. Phu Quoc is receiving more than USD 5 billion in infrastructure investment ahead of APEC 2027, while tourism growth and urban expansion are creating more room for shophouse operations in southern central Da Nang. Salacia Villas has introduced a rental income commitment of up to VND 30 million per month for a maximum period of 60 months. A 120-minute livestream selling apartments at Crystal Holidays Harbour Van Don attracted nearly 400,000 views.

In the housing segment, several designs focus on optimizing space and improving the living experience, including a 190-square-meter apartment renovated in a vintage style and a narrow-lane house that carries curved lines from the facade into the interior, combining open space, contrasting materials and greenery. Another house uses its entire rooftop for a swimming pool, yoga area and garden. For small apartments, beds with built-in drawers are being considered as a space-saving solution, although they may be inconvenient to use and clean. In addition, Ho Chi Minh City has reclaimed a 2,341-square-meter site at 257 Tran Hung Dao Street, Cau Ong Lanh Ward. Hanoi has allocated more than 3.4 hectares in Dong Anh Commune for a housing project for police officers and soldiers.

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