Updated: 10/10/2026
Vinhomes Saigon Park sales policy (from 06/10/2026)
The developer’s current policy applies from 06/10/2026 until a new policy is issued. It has versions for direct buyers (sale and purchase agreement, HĐMB) and transfer buyers (transfer agreement, HĐCN), with separate terms for the shell – finished lines and the deferred-construction line.
Standard payment schedule
| Instalment | Timing | Amount |
|---|---|---|
| 1 | Signing the deposit agreement (day T) | VND 300 million per home |
| 2 | Signing the HĐMB (T + 15 days) | 10% of sale price + 5% security deposit |
| 3 | 15 days after the HĐMB | 15% |
| 4 | 60 days after the HĐMB | 15% |
| 5 | 120 days after the HĐMB | 15% |
| 6 | 180 days after the HĐMB | 15% |
| 7 | Handover notice | 25% + 2% maintenance fund |
| 8 | On issuance of the certificate | 5% (offset from the security deposit) |
The developer pays 9.5% p.a. interest on the 5% security deposit until the certificate is due (individuals pay personal income tax on the interest).
Interest-supported loans
- A bank designated by the developer lends up to 70% of the sale price (incl. VAT); the buyer pays about 30% themselves (10% + 5% + 15%).
- Option 1 — buy at the base price with fixed interest: 3% p.a. (18 months), 4.5% (24), 6% (30), 7.5% (36), 8.5% (48), 9% (60 months). Interest above this is paid by the developer.
- Option 2 — 0% interest during the support period, with a price uplift over the base price: 3.5% (18 months), 8% (24), 13.5% (30), 19.5% (36 months).
- No early repayment fee during the support period; principal grace periods follow the bank’s policy.
Current discounts and incentives
- Early payment of an instalment (no bank loan, 7 or more days early, paid in full): a discount of 11% p.a. based on the amount and number of days paid in advance.
- Full payment within 15 days after the HĐMB: an annualised discount — the exact rate is confirmed per the original policy document at the time of purchase.
- "Move in early" programme for designated units: 10% (half deducted on signing the HĐMB, half refunded once the home is finished and occupied within 5 months of handover).
- VinClub members: 0.3–0.5%. Buyers holding a Vinhomes home-ownership voucher can use it for up to 30% of the home’s value until 31/12/2026.
Reservation and the deferred-construction line
For the deferred-construction line in Ivy Park, the escrow agreement involves VND 300 million on signing, topped up after 10 days to 10% of the land – commercial value (excl. VAT, including the VND 300 million). Payment of the construction value starts from 420 days after the HĐMB (540 days for an HĐCN), following the same rhythm of 10% + 5%, 15% × 4, and 25% on handover.
Get a cash-flow schedule per unit
Send a unit code or your budget — Happy Land prepares a provisional calculation under the standard, early-payment or loan option and sends it via Zalo.
Frequently asked questions
How much do I need upfront to buy at Vinhomes Saigon Park?
A deposit of VND 300 million; 15 days later, on signing the HĐMB, you pay 10% of the sale price and a 5% security deposit. With a loan, the total paid by the buyer is about 30%.
How long is the 0% interest period?
Up to 36 months under option 2, in exchange for a sale price 3.5% (18 months) to 19.5% (36 months) above the base price.
Which bank provides the loan?
A bank designated by the developer; the bank’s name is not stated in the policy — Happy Land confirms it when you choose a unit.
How does payment work when buying an HĐMB from another investor (HĐCN)?
The developer has a separate policy for HĐCN: payment in 15% milestones counted from the date of signing the deposit agreement, with the same loan options as the HĐMB. HĐCN does not apply to foreigners.