China
Buy or rent
Compare the total cost of buying a home with renting one over the same period.
Figures follow Vietnamese law, with every source cited and dated.
Results
Over 10 years, buying costs ₫687,576,916 less than renting under these assumptions.
≈ $27,070Vietnam · VND
BreakdownCost of owning: ₫1,123,639,609 · Renting: ₫1,811,216,525
Owning
- Interest paid
- ₫1,969,700,821
- Deposit interest forgone on the down payment and buyer costs
- ₫576,822,152
- Buyer costs
- ₫17,200,000
- Upkeep reserve
- ₫300,000,000
- Resale costs
- ₫146,600,516
- Less: value gained
- -₫1,886,683,880
- Cost of owning
- ₫1,123,639,609
Renting
- Rent paid over 10 years (rising 5% a year)
- ₫1,811,216,525
Principal repaid builds your equity, so it is not counted as a cost.
Exchange rate: 1 USD = ₫25,400
Default rate last updated Oct 1, 2026
Converted amounts are for reference only. The amounts in Vietnamese dong (VND) are the ones that apply.
Growth rates and the deposit rate are assumptions, not forecasts. If you change them above, the sentence changes too.
Note
Every figure on this page is an estimate based on the values you entered and on defaults from Vietnamese law, current as of the verification date shown next to each one. It is not financial, legal or tax advice. The actual interest rate, fees and taxes are set by your bank, your notary office and your tax office in Vietnam at the time of the transaction. Confirm with them before signing any contract. This site stores none of your data; everything you entered lives in the page address.
Assumptions you can change
Home price growth per year
5%
Assumption
The assumed change in the home's price each year. It can be negative. This is an assumption, not a forecast.
Rent growth per year
5%
Assumption
The assumed rise in rent each year. This is an assumption, not a forecast.
Deposit rate
5%
Assumption
What the same cash would earn each year in a deposit. This is an assumption, not a forecast.
Upkeep reserve
1%
Assumption
The share of the price set aside each year for repairs and replacements. This is an assumption, not a forecast.
Resale costs
3%
Source: Luật Thuế thu nhập cá nhân số 109/2025/QH15
Taxes and the brokerage fee when you sell at the end, on the expected sale price.
Buyer costs
₫17,200,000
From the home-buying costs tool
The taxes and fees the buyer pays on the purchase, from the home-buying costs tool.
The link carries only the numbers you entered. The site stores nothing.