Thinking like CFO, successful young people take a step ahead at Pearl Island, Vinhomes Hai Van Bay

New asset standards and the bravery of the digital entrepreneur generation

In the asset structure of the young generation of entrepreneurs in Vietnam, a major shift is taking place under the impact of the digital economy. Unlike traditional asset accumulation thinking that takes a lot of time, young people who achieve early success today possess financial knowledge and flexible cash flow management capabilities. This group often sets high accumulation rates from income and drastically reinvests in potential portfolios to be financially proactive early.

According to consulting units, for successful young people, owning a valuable sea bay real estate product like Pearl Island not only meets the needs of purely housing or investment, but also reflects long-term vision and modern thinking, catching up with global trends.

As a person working in the field of business and MMO in Quang Binh, Mr. Le Quang Hieu decided to invest in two apartment buildings built in Pearl Island. Mr. Hieu said that this decision was based on detailed analysis of the investor's preferential policies, helping to reduce initial cash flow pressure.

With a house worth 6 billion VND, I only need to pay 4.8 billion VND in land in advance and choose a 20% loan package, equivalent to 960 million VND with interest rate support policy up to 60 months, so the initial equity only accounts for 16% of the total asset value. Thanks to this superior solution, with just over 1.9 billion VND of principal, I have been able to hold a portfolio of two high commercial value assets," Mr. Hieu shared.

Possessing a scarce location, adjacent to the sea and embracing an ecosystem of luxury amenities, including VinWonders complex and Hai Van Bay Forest Park 225ha, 6-star Vinpearl Legendlux resort and bustling commercial pedestrian street, Pearl Island is the bucket to welcome the consumption flow of high-class domestic and international tourists. Thanks to that, each apartment here becomes a true multi-purpose asset, being both an isolated wellness space and carrying the structure of a regular profit machine.

Unlike the usual bustle of the city, the space here is both quiet enough to regenerate energy and connected enough to experience trendy entertainment activities. That is why I am confident in the room occupancy rate. With the new resort trend, customers are willing to spend heavily for an all-in-one destination, where they are both respected for privacy and do not miss special parties," Mr. Hieu further analyzed about the plan to open a homestay on Pearl Island.

sprinting" before the "blockbuster" interest rate incentive ends on July 20.

The leverage formula that Mr. Hieu uses is also the common thinking of many young investors. This is a group that has the ability to generate good income but does not have much time to accumulate large capital, so they prioritize taking advantage of financial policies to own assets early instead of waiting for enough money.

According to the analysis of Mr. Hieu Minh, Kim Cuong Housing Business Director, in the current market, few investors have made commitments to strongly support interest rates, fixed at 0-6%/year for up to 60 months like Vinhomes. He emphasized that this preferential level is equivalent to the interest rate for social housing loans and significantly lower than ordinary commercial loan packages on the market.

Notably, the policy is only valid until July 20, causing many customers to accelerate the progress of depositing money to "lock" capital costs at a low level for half a decade. According to records from distributors, the last weeks of the program witnessed a sharp increase in the number of customers, because they understand that just one step slower, the financial problem will change significantly when interest rates return to the commercial level.

According to experts, when taking advantage of this policy well, customers only need to prepare about 20-30% of the initial capital, while the remaining capital can continue to be allocated to other investment channels to increase the efficiency of using cash flow. This is essentially a capital management problem, using profits from this investment channel to compensate for capital costs in other investment channels to create double profits.

For sea bay real estate, the biggest advantage is always in scarcity and the ability to create long-term cash flow. Therefore, taking advantage of the interest rate support policy before July 20 is not simply saving borrowing costs, but also a way to optimize investment efficiency and expand profit margins for many years to come," affirmed a representative of Kim Cuong house.