“ In the period of 3-5 years after marriage and before having children, they may not need to own a house immediately. Instead, they can invest in an apartment or townhouse with an initial payment of 30-50% and borrow the rest from the bank, ” said Dr. Su Ngoc Khuong, Senior Director of Investment Consulting at Savills Vietnam.
As for those who need to own immediately, the expert said they can choose to buy an apartment or townhouse, but this requires paying the full value of 100%. They can use part of the cash and borrow the rest from the bank, then use their monthly income to pay both principal and interest.
With real estate products being formed in the future, buying a house in progress can be a positive choice for young couples, instead of saving in the bank with low interest rates.
“ You can put money down to buy a house according to progress and needs. Although the immediate need may not arise, after 2-3 years, the need for housing becomes more necessary and this can be a positive solution ,” added the Savills expert.
In the period of 3-5 years after marriage and before having children, young people do not need to own a house immediately but should invest flexibly. (Illustration: Cong Hieu)
However, when implementing this plan, Mr. Khuong emphasized that there are a number of things to consider.
First, determine whether you really need housing. Second, assess your current savings. Third, consider your borrowing capacity and ask yourself whether your monthly income is sufficient to cover both principal and interest payments.
“ For renters, the desire to own a home is often great, however, it is necessary to approach this issue with caution, while increasing financial tolerance, ” the expert recommends.
Meanwhile, according to experts from Savills Vietnam, housing supply in 2024 will not be able to recover strongly due to a period of stagnation that has lasted from the end of 2022 until now.
Factors affecting the market may also continue next year, such as cash flow difficulties and pressure on investors to repay bonds, low liquidity, and affected buyer psychology.
However, the housing market is expected to gradually recover thanks to the Government 's efforts in promoting public investment, infrastructure development and transparency in real estate business activities.
As the economic center of the Southern region, where there is a large demand for housing, Ho Chi Minh City real estate will recover first, followed by neighboring provinces such as Binh Duong and Dong Nai.
According to Savills Vietnam data, in 2024, future supply in Ho Chi Minh City will have more than 16,000 apartments and more than 2,000 villas/townhouses. Neighboring provinces such as Binh Duong and Dong Nai with large land funds will have more than 6,000 villas/townhouses and more than 9,000 apartments.
Experts say that if investors can implement projects on schedule, with reasonable selling prices and transparent legal procedures, they will be able to attract buyers and gradually restore market liquidity. Removing legal difficulties from the Government for real estate projects also plays a key role in supporting the market.
Ngoc Vy
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