🇻🇳 Buying in Vietnam · State Bank of Vietnam (SBV) & MOC (30% Foreign Quota)
What can I afford in Vietnam?
Vietnamese commercial banks lend up to 70% LTV for local buyers over 20–25 years; foreign buyers within the 30% condo tower quota typically use developer milestone payment schedules or international bank loans.
Vietnam Mortgage & Affordability Calculator
- Max Mortgage Loan
- ₫4,557,932,04870% LTV (Resident)
- Required Downpayment
- ₫1,953,399,44930% equity contribution
- Est. Stamp Duty & Fees
- ₫162,783,287~2.5% · View schedule
- Est. Monthly Instalment
- ₫34,577,128 / mo25 yrs at 7.8% p.a. benchmark
Vietnam — Recorded Market Benchmarks & Open Data Bulletins
Vietnam Market Snapshot (Oct 2026): Prime residential property in Ho Chi Minh City & Hanoi trades at a median of ₫135M/m² (typical unit price ₫8.9B, +6.8% YoY), with median rents at ₫32M/mo and gross rental yields of 5.2%. Acquisition taxes follow 0.5% Fee + 2% Fund · MOC, and mortgage financing reaches up to 70% LTV for residents and 50% LTV for eligible foreign buyers (Mortgage Calculator · Stamp Duty Calculator).
| Area / Precinct (Ho Chi Minh City & Hanoi) | Median / m² | Median Rent | Gross Yield | 12M YoY |
|---|---|---|---|---|
| District 1 HCMC | ₫185M | ₫45M | 4.4% | +6.2% |
| Thao Dien (Thu Duc) | ₫142M | ₫36M | 5.0% | +7.4% |
| Tay Ho (Hanoi) | ₫125M | ₫30M | 5.0% | +6.9% |
Frequently Asked Questions — Buying & Renting in Vietnam
What is the median property price and rental yield in Vietnam?
According to official open data benchmarks on Property.co, the prime median price in Vietnam (Ho Chi Minh City & Hanoi) is ₫135M/m² (median sale price ₫8.9B, +6.8% YoY), with a median monthly rent of ₫32M/mo and gross rental yield averaging 5.2%.
Can foreigners buy residential property in Vietnam?
Foreign individuals with valid entry stamps can buy up to 30% of the units in a condominium tower (50-year renewable Pink Book ownership) under Vietnam’s Housing Law.
What are the mortgage LTV limits and stamp duty rates in Vietnam?
Vietnamese commercial banks lend up to 70% LTV for local buyers over 20–25 years; foreign buyers within the 30% condo tower quota typically use developer milestone payment schedules or international bank loans. Statutory transfer/stamp duty in Vietnam follows 0.5% Fee + 2% Fund · MOC (State Bank of Vietnam (SBV) & MOC (30% Foreign Quota)). Local residents qualify for up to 70% LTV and non-residents up to 50% LTV.
How do I compare coworking, coliving, serviced apartments, and self-storage in Vietnam?
Property.co’s 3-tier Flexible Space Directory at /vietnam/operators/coworking, /vietnam/operators/coliving, /vietnam/operators/serviced, and /vietnam/operators/self-storage lists verified operators and individual district branches in Vietnam with transparent monthly rate cards, on-site facilities, and direct WhatsApp/tour booking.