The solution to the home-buying problem for office workers.

Van Ly and Duy Khoa (Hoang Mai district) are among millions of young people striving to build their careers in major cities. After six years of establishing themselves in Hanoi , the couple only recently dared to think about buying their first house.

In the Hoang Mai district where she is currently renting, the apartments are reasonably priced, but most buildings lack amenities. However, if they were to buy an apartment that they could move into immediately, she and her husband would have to put down over 800 million VND, nearly 50% of the apartment's value. The remaining amount could be borrowed from the bank, but according to Ly's calculations, the monthly principal and interest would be approximately 20 million VND per month in the initial period. If they buy a house using this method, Ly and her husband would have to spend all their savings and would face considerable financial difficulties for the next few years.

The "Buy a home in 8 years without worrying about interest" policy offers a rare opportunity for office workers to own a high-end apartment in the capital city.

While racking her brains trying to decide, she was introduced by friends to the "8-Year Interest-Free Home Purchase" policy at the ZR1 The Zurich apartment building in the Vinhomes Ocean Park 1 – Gia Lam urban area. After a tour by a sales representative, Ly convinced her husband to "seal the deal" on a 1-bedroom + 1 apartment there. "There's really nothing to complain about in this urban area, so when a good opportunity arises, we have to seize it immediately. With the money we have, we wouldn't have even dreamed of buying a house before, let alone a luxury apartment."

Currently, ZR1's policy is considered unprecedented, offering the opportunity to buy a home without heavy financial burdens. Instead of pouring all their savings accumulated over many years into a house, not to mention the complexities of loans and interest rates, customers only need to pay 10% upfront to sign the purchase agreement. By the time they receive the house in 2027, buyers will only need to pay an average of 8.6 million VND per month, like a steady stream of payments. The developer will support 0% interest for up to 4 years after handover, helping customers reduce financial pressure while still owning a high-end apartment.

In addition, customers also have many suitable financial options to choose from if they want to receive their house earlier. Specifically, customers can choose to receive the house from 2025, paying the entire amount with their own capital according to the progress; or the bank can support a loan of up to 70% of the apartment value with a 0% interest rate for up to 18 months after receiving the house.

"So, if I factor in the cost of living now and the down payment for my new house in Zurich, I still have enough to live comfortably, without having to be overly frugal. This makes me feel more motivated to strive for more ," Van Ly shared.

ZR1 The Zurich offers an ideal living space for residents who appreciate a green, civilized, and modern lifestyle.

Ideal living in the new center on the East Bank of the Capital.

Vinhomes Ocean Park 1 – the new central city in the East of Hanoi – attracts tens of thousands of people to live and work there, as it represents a modern, dynamic, and civilized lifestyle for the successful elite. For those working in Vinhomes Ocean Park 1, owning an apartment at ZR1 The Zurich offers an unparalleled life, with all their needs for living, doing business, and relaxing fully met.

Residents working in the city center can also feel secure moving to The Zurich because the ZR1 building is located right at the entrance to the project, with bus routes connecting to all parts of the city – especially suitable for those who love public transport and a healthy, green lifestyle at a very reasonable cost.

Sky Garden – a luxurious "garden in the sky" that allows residents of ZR1 The Zurich to relax or work in an extremely tranquil space.

Located adjacent to Coral Lake – one of the two largest freshwater lakes in Vinhomes Ocean Park – the ZR1 The Zurich apartment complex offers residents a green, dynamic, and balanced living environment amidst pristine nature. Residents of the tower can also participate in vibrant lakeside recreational activities and exercise in the spacious green surroundings.

The Swiss-inspired amenities of ZR1 in particular, and The Zurich in general, recreate the exquisite and beautiful scenes of one of Europe's most beautiful countries, featuring a 7.5m high clock tower, landscaped lake, fountains, plazas, and a full range of facilities at the base of the building to serve a convenient and modern lifestyle. The mental and physical well-being of residents of all ages is nurtured through amenities such as a sky garden, gym and yoga club, kid club, and family game area with fun games for the whole family.

ZR1 The Zurich's top-tier living standards are further reflected in its handover specifications, including finished interiors such as wooden flooring, sanitary ware, air conditioning, kitchen cabinets, kitchen appliances, high-end door locks, and Smart Home devices, creating a convenient and luxurious lifestyle right from the moment you move in.

Many real estate experts believe that the "Buy a house for 8 years without worrying about interest" sales policy is incredibly groundbreaking, offering all customers the opportunity to settle in high-class apartments in the heart of the new eastern city center, and is a blockbuster that will create a breakthrough effect, causing the northern real estate market to boom in the second half of 2023.

CAO TUAN