On December 9, sharing at the Vietnam Real Estate Conference - VRES 2025, Mr. Le Bao Long - Marketing Director of Batdongsan.com.vn - commented that the high real estate price is creating great pressure on the ability of young people to own a house. However, instead of falling into a optimistic mentality, many people are proactively changing their financial strategies and allocating resources more flexibly to get closer to their settlement goals.
A survey by Batdongsan.com.vn with more than 1,000 consumers shows that the market records a clear differentiation in psychology and behavior of the 18-44 age group, reflected in four outstanding trends.
For those who are renting a house, especially young families, the goal of owning a place to live is still very clear. Up to 93% of married people with children surveyed said they aim to buy a house in the next 5 years, despite admitting that prices are still a big barrier. Many people choose to increase their income by working part-time, managing spending more closely or accumulating through savings.
In the home buying efforts group, up to 86% are willing to borrow from banks at a rate of 30-50% of asset value, showing increasingly realistic leverage thinking.
Analyzing the long-term tenant group, Mr. Long recognized this as a customer group that brings sustainable investment opportunities to the cash flow real estate model. This group has stable payment ability, with 72% spending less than 30% of their income on housing, and a long-term trend when 34% of tenants surveyed said they would rent for 3 years or more.
To attract and retain this group, investors need to meet four core criteria: housing quality, amenities, location, area and surrounding residential areas. When seriously investing in quality of life instead of just providing a "residence", investors can build a stable, less volatile rental portfolio and create long-term cash flow.
According to Mr. Long, the first survey of young people who have owned real estate shows a typical picture of planned accumulation. They are mainly between the ages of 35 and 44 (75%), most of whom are married and have children (88%). In the first purchase, 76% chose to buy for living and nearly half did not have to borrow from the bank thanks to having prepared a large enough capital source.
Notably, the motivation for upgrading housing and expanding assets is very strong: 85% said they will buy more or invest in the next 5 years, in which priority is still given to land.
The group has owned real estate but no longer buys more, clearly demonstrating the trend of "safe transition", bringing cash flow to traditional channels such as gold (82%) and savings (77%). This is a defensive choice, reflecting the cautious mentality and prioritizing capital preservation. Although the stock channel (51% choice) and bonds (38%) are still present in the portfolio, they are not the channel with top priority.
Data comparing investment efficiency in the 2015-2025 period continues to consolidate this trend. Gold prices lead with outstanding profits (Index 425), followed by apartments and land (same index 337). On the contrary, savings deposits, despite having the lowest growth rate (169), still maintain their appeal thanks to safety and stability.
The group of real estate heirs, despite already owning inherited real estate, mostly private houses (38%) and land (29%), this group still maintains strong demand for the market. The survey shows that 80% of respondents plan to buy more real estate in the next 5 years, mainly to upgrade accommodation and expand investment.
According to Marketing Director Batdongsan.com.vn, initial advantages do not make the inheritance group passive; on the contrary, they continue to accumulate and exploit assets, from upgrading real estate values to investing in lease.
This shows that demand in the market is still very sustainable and widespread, he commented.
