After a long period of stagnation, the real estate market is showing clear signs of recovery as investment cash flow begins to flow strongly again, especially in the context of low interest rates and credit growth being strongly promoted from the beginning of 2025.
According to the State Bank's target, credit in the entire economy can increase by 16% this year, equivalent to more than 2.5 million billion VND pumped into the market. This is considered a significant boost for investment sectors, in which real estate is becoming a prominent attraction channel.
In fact, the market is currently recording a clear shift in cash flow into the primary apartment and suburban land segment - areas with clear legal status, soft prices and potential for price increase thanks to infrastructure development.
A report by the Vietnam Real Estate Brokers Association shows that primary apartments account for more than 70% of transactions in the first quarter of 2025, while land plots show signs of warming up in areas with strong investment in infrastructure, such as Dong Anh, Long Bien (Hanoi), Tu Son (Bac Ninh), or large-scale urban areas in the east of Hanoi.
In the South, the "Southward" trend of cash flow from Hanoi investors is becoming increasingly clear. Many investors in the North are pouring capital into Ho Chi Minh City and neighboring provinces such as Binh Duong, Dong Nai, Ba Ria - Vung Tau thanks to their high profit potential.
According to a survey from Batdongsan.com.vn, up to 66% of Hanoi investors expressed interest in real estate in the South, especially the commercial housing segment with affordable value and full legal documents.
Ms. Pham Thi Mien - Deputy Director of the Vietnam Institute for Real Estate Market Research and Evaluation commented that the suburbs will be the "new focus" thanks to the large price increase range, while the central cities have reached the peak in the short term.
Some recent administrative decisions such as merging administrative units, regional planning and investing in inter-regional infrastructure are also creating a spillover effect, pushing up land prices evenly in areas that have not been previously noticed.
Experts assess that 2025 is the time when the market enters a new development cycle, with strong screening between investors and projects. Individual investors need to pay special attention to legal factors, construction progress and financial capacity of investors instead of just following the psychological wave.
Products with strategic locations, good infrastructure connections and real usable value will continue to be the priority "destination" of cash flow this year.
