Home-buying guides
Short guides that each explain one rule and cite its source.
Loans
- Promo rate to floating rate in Vietnam: what you pay after
When the promotion ends, the bank resets your payment at the floating rate. A worked example on a 2 billion VND loan over 20 years, and what to ask first.
2 min read
- Declining balance vs annuity: which fits your cash flow
Two ways to repay a home loan in Vietnam: how the monthly payment moves, how total interest compares, and when each one makes sense.
2 min read
- Vietnam home loan prepayment penalty: what to ask first
Paying down or paying off a Vietnamese home loan early usually costs a fee. How it is charged, how it falls over the years, and what to ask the bank.
2 min read
- Prepaying a home loan: shorter term or lower payment?
After a prepayment you can keep the payment and finish early, or keep the term and pay less each month. A 2 billion VND example shows the difference.
2 min read
Costs and ownership
- Vietnam property transfer tax and fees: who pays what
Who pays which fee and tax when you buy a home from its current owner in Vietnam, and which law sets each one.
2 min read
- Buying off-plan in Vietnam: VAT, maintenance fund, payments
Buying a new apartment from a developer in Vietnam: VAT, the maintenance fund, the registration fee, and the legal caps on payments before handover.
3 min read
- Buying property in Vietnam as a foreigner: what the law says
Which homes a foreign individual may buy in Vietnam, where, how many, and for how long, under the Housing Law 2023.
3 min read
- How to read a rental yield
Gross and net rental yield, the costs to subtract, and why the yield in a listing is usually higher than what you will actually earn.
2 min read
Feng shui and site info
- How the Eight Mansions method rates a house direction
Bát trạch, the Eight Mansions method, is a feng shui tradition that rates eight directions by birth year and gender. How the method works, with no advice.
2 min read
- What is a Lỗ Ban ruler? Three rulers and when each applies
The Lỗ Ban ruler is a measuring tradition in Vietnamese and Chinese culture. How the 52.2 cm, 42.9 cm and 38.8 cm rulers differ, and how to read a length.
2 min read
- How this site protects your privacy
No account, and your numbers live in the page address. Ads load only if you accept them. Cookies, partner links and how to change your choice.
3 min read
- About HomeCalc: free home-buying calculators
HomeCalc is a set of free calculators for buying a home in Vietnam, the United States or China. Where the figures come from and how the site is funded.
2 min read
- Contact HomeCalc
Email contact@homecalc.info about a wrong figure, an out-of-date law, a translation error, or a country or language you would like added.
1 min read