Real estate bond mobilization race, interest rates reach 12.5%

Gia Miêu |

A yield race to raise bond capital is taking place among real estate businesses as credit flows are tightened.

The corporate bond market in Q2/2026 recorded a strong recovery in issuance and secondary trading activities, while payment delay pressure decreased significantly. However, the recovery is still selective as new issuance capital mainly focuses on banks and some large real estate businesses.

According to ACBS's Corporate Bond Market Report for the second quarter of 2026, the total market size of corporate bonds reached approximately 1,458 trillion VND, equivalent to 11.3% of GDP in 2025, an increase of 7% compared to the market size in the first quarter of 2026.

Notably, 81.4% of the total par value of outstanding bonds belongs to two groups: real estate and banking. In which, many real estate businesses issue many large-value bond lots with interest rates higher than savings deposit interest rates.

According to information announced on the Hanoi Stock Exchange (HNX), Crystal Infrastructure Construction Co., Ltd. has just successfully issued a bond lot with code CIC12601 with a total value of 2,000 billion VND. The issuance took place on July 16, 2026 and was completed on July 17, 2026. According to the plan, the bond lot has a term of 5 years and will mature on July 16, 2031.

Regarding interest rates, businesses apply a mechanism combining fixed and floating interest rates. Specifically, the first two interest calculation periods are set at 12.5%/year. From the following interest calculation periods, the interest rate is determined by the reference interest rate plus 4%/year, but in all cases not lower than 12.5%/year.

In June, Parkland 53 Co., Ltd. (Parkland 53) also issued 70,000 bonds with code P5332601, face value of 100 million VND/bond; corresponding to a total issuance value of 7,000 billion VND. This bond lot has a term of 12 months, expected to mature on June 30, 2027 and has an interest rate of 10%/year. Other information about bondholders, issuance purposes, collateral, etc. is not disclosed.

Also on June 30, 2026, information from HNX said that Hung Phat Invest Hanoi has issued two consecutive bond lots. Specifically, 43,000 bonds with code IHP12601 with a face value of 100 million VND/bond; corresponding to an issuance value of 4,300 billion VND. With a term of 60 months, the above bond lot is expected to mature on June 30, 2031. Information about bondholders, issuance purposes,... are not disclosed. The interest rate is 10.6%/year.

The second bond lot worth 5,000 billion VND code IHP32602, term of 12 months and expected to mature on June 30, 2027, has an issuance interest rate of 10%/year.

In addition, another positive sign of the corporate bond market today is that the pressure of slow bond payment has cooled down significantly.

In the second quarter of 2026, the market only recorded 7 bond codes with delayed principal/interest payments, with a total par value of 9.8 trillion VND, down 2.5 times compared to the same period and the lowest level in the period from 2024 to now. In which, consumer sector bonds accounted for the largest proportion, with 49% of the total value of delayed payments.

In the opposite direction, pre-term repurchase activities increased sharply. The total par value of corporate bonds repurchased in the second quarter of 2026 reached 139.7 trillion VND, an increase of 43% compared to the same period last year.

Although payment risks have decreased, maturity pressure in the near future is still a factor to be monitored.

ACBS estimates that the value of maturing bonds in the next 12 months is about 254 trillion VND, down 30% compared to the same period. In which, real estate accounts for 58% of the maturity value, with the highest concentration pressure in Q2/2027, when the total value of maturing bonds reached about 61 trillion VND.

Among the bond lots maturing in large quantities, there are names such as Hung Phat Invest Hanoi with VND 12,650 billion maturing, Van Truong Phat Investment and Construction VND 8,000 billion, Novaland VND 7,200 billion and TNR Holdings Vietnam VND 6,303 billion.

It can be seen that with the figure of 254 trillion VND of bonds to mature in the next 12 months, of which 58% belong to real estate, the ability to create cash flow, refinance and access new capital sources of each enterprise will still be a decisive factor in the quality of market recovery in the following quarters.

Gia Miêu
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