The latest report from the Vietnam Association of Realtors (VARS) shows that the real estate market is receiving positive signals thanks to the credit easing policy.
According to the State Bank, as of March 25, 2025, many domestic commercial banks have adjusted interest rates down with a reduction of 0.1-1.05%/year depending on the term.
VARS experts believe that the "cheap cash flow" pumped into the market will certainly find investment channels with good profit potential and the ability to store long-term assets.
In the context of gold prices having increased to a record high, stocks are experiencing many fluctuations, real estate promises to be a place of shelter and a long-term investment channel.
In fact, many individual investors and businesses expect the return of "cheap money" to help the real estate market flourish, even creating big waves, opening up new "surfing" opportunities.
Sharing with Lao Dong reporter, Ms. Nguyen Thi Ngoc Mai (39 years old, in Nam Tu Liem district, Hanoi), an investor with nearly 10 years of experience, revealed that she is studying a 1 billion VND loan package for business households of a commercial bank, with a fixed interest rate of 6% for the first 2 years, which can be paid immediately without being fined or charged.
If all goes well, Ms. Mai plans to contribute more capital to buy a plot of land auctioned in Hai Hau district (Nam Dinh) worth more than 2 billion VND.
"According to my calculation, the land market is recovering rapidly, in the next 1 - 3 years, prices will certainly increase, liquidity will also be better.
In 2 years, I will pay bank interest of about 150 million VND, hopefully the land price will increase by at least 30-50%" - Ms. Mai expressed her expectation.
In addition to investors taking advantage of low interest capital to buy, many investors are taking advantage of "cheap money" to suffer losses on land waiting for the wave to rise.
For example, in the case of Mr. Nguyen Duc Dung (42 years old in Hanoi), in 2024, he poured more than 4 billion VND to buy 2 plots of land in Ha Nam. Of the more than 4 billion VND in initial capital, nearly half of the money was borrowed from banks.
Due to pressure with loans, Mr. Dung put them up for sale, but since the Lunar New Year 2025, he has not been able to sell them.
According to Mr. Dung, the market is starting to improve, real estate brokers are constantly calling to connect with customers. However, the common point of the majority of current customers is that they are investors with the mentality of catching the bottom and demanding deep discounts.
"Recently, some banks have lowered interest rates, so I decided to apply for a new loan with low interest rates. When I can borrow money, I will pay the old debt and continue to leave the land waiting for the new wave" - Mr. Dung confided.
Mr. Nguyen The Diep - Vice President of Hanoi Real Estate Club - said that up to now, land is still one of the slowest recovery segments in real estate segments. If you use financial traps to invest, you should consider selling as soon as possible.
Meanwhile, financial expert, Dr. Nguyen Ngoc Tu - Lecturer at the University of Business and Technology - said that the interest rate cut during this period may only take place in a short time.
In particular, interest rates may cool down, but the cash flow into real estate will certainly be strictly controlled, targeting affordable projects, social housing to serve real housing needs or projects with high potential.
