Vietnam Real Esate Credit Outstanding

Growth % is YoY from the previous point:

• 2024 vs 2023 ≈ +14.1%
• 2025 vs 2024 ≈ +33.1%
• The avg. growth of appartment prices in HCM was around 30%
• 2026:
• In 2 first Quarters of 2026, the prices stall as credit tightens
• Apartment prices in HCM & Hà Nội already discount future growth
• New supply priced for 2027–2030 income levels
• Price‑to‑income ratios in core districts are historically stretched
• Rental yields typically <4% gross, often <3% net after costs

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