{"id":10223,"date":"2025-11-26T14:32:43","date_gmt":"2025-11-26T07:32:43","guid":{"rendered":"https:\/\/nahnmaup.nethost-3311.000nethost.com\/f811\/vi\/?p=10223"},"modified":"2025-12-20T08:17:04","modified_gmt":"2025-12-20T01:17:04","slug":"vietnams-real-estate-market-eyeing-loan-to-value-caps-for-second-homes","status":"publish","type":"post","link":"https:\/\/nabigetaconsult.com\/vi\/vietnams-real-estate-market-eyeing-loan-to-value-caps-for-second-homes\/","title":{"rendered":"Th\u1ecb Tr\u01b0\u1eddng B\u1ea5t \u0110\u1ed9ng S\u1ea3n Vi\u1ec7t Nam: Nh\u1eafm V\u00e0o Tr\u1ea7n T\u1ef7 L\u1ec7 Vay Tr\u00ean Gi\u00e1 Tr\u1ecb Cho Nh\u00e0 Th\u1ee9 Hai"},"content":{"rendered":"

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B\u1ed9 X\u00e2y d\u1ef1ng Vi\u1ec7t Nam \u0111\u1ec1 xu\u1ea5t tr\u1ea7n vay theo gi\u00e1 tr\u1ecb nghi\u00eam ng\u1eb7t cho nh\u00e0 th\u1ee9 hai<\/p>\n

B\u1ed9 X\u00e2y d\u1ef1ng Vi\u1ec7t Nam \u0111ang \u0111\u1ec1 xu\u1ea5t c\u00e1c tr\u1ea7n loan-to-value (LTV) ch\u1eb7t ch\u1ebd, bao g\u1ed3m 50% cho nh\u00e0 th\u1ee9 hai v\u00e0 30% cho nh\u00e0 th\u1ee9 ba tr\u1edf \u0111i, nh\u1eb1m ng\u0103n ch\u1eb7n \u0111\u1ea7u c\u01a1 v\u00e0 k\u00ecm gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. C\u00e1c bi\u1ec7n ph\u00e1p n\u00e0y xu\u1ea5t hi\u1ec7n trong d\u1ef1 th\u1ea3o ngh\u1ecb quy\u1ebft v\u1ec1 ki\u1ec3m so\u00e1t gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c g\u1eedi t\u1edbi c\u00e1c b\u1ed9 ng\u00e0nh \u0111\u1ec3 l\u1ea5y \u00fd ki\u1ebfn. G\u00f3i bi\u1ec7n ph\u00e1p ho\u1ea1t \u0111\u1ed9ng tr\u00ean ba tr\u1ee5 c\u1ed9t: si\u1ebft ch\u1eb7t t\u00edn d\u1ee5ng cho ng\u01b0\u1eddi s\u1edf h\u1eefu nhi\u1ec1u nh\u00e0, qu\u1ea3n l\u00fd c\u00e1c trung t\u00e2m giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u00e0 t\u0103ng cung nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i v\u1edbi gi\u00e1 h\u1ee3p l\u00fd.<\/p>\n

Hi\u1ec7n nay, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng cho vay 70%\u201380% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. C\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n th\u01b0\u1eddng ch\u1ec9 y\u00eau c\u1ea7u 10%\u201330% v\u1ed1n \u0111\u1eb7t c\u1ecdc, gi\u00fap kh\u00e1ch h\u00e0ng \u0111\u00f2n b\u1ea9y 70%\u201390%, \u0111\u1ed3ng th\u1eddi t\u1eadn d\u1ee5ng c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh l\u00e3i su\u1ea5t 0% v\u00e0 \u00e2n h\u1ea1n g\u1ed1c \u0111\u1ec3 t\u00edch tr\u1eef v\u00e0 l\u01b0\u1edbt b\u00e1n c\u0103n h\u1ed9. H\u1ec7 qu\u1ea3 l\u00e0 r\u1ee7i ro t\u00edn d\u1ee5ng \u0111ang t\u0103ng. T\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 8, c\u00e1c kho\u1ea3n vay li\u00ean quan \u0111\u1ebfn nh\u00e0 \u1edf \u0111\u1ea1t kho\u1ea3ng 4 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 19% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc, theo s\u1ed1 li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam.<\/p>\n

Nguy\u00ean nh\u00e2n si\u1ebft ch\u1eb7t: b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u00f3 li\u00ean k\u1ebft ch\u1eb7t ch\u1ebd, trong khi gi\u00e1 nh\u00e0 \u0111ang v\u01b0\u1ee3t xa thu nh\u1eadp. T\u1ea1i H\u00e0 N\u1ed9i, gi\u00e1 c\u0103n h\u1ed9 trung b\u00ecnh \u0111\u1ea1t 70\u201380 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2, t\u0103ng 5,6% t\u1eeb \u0111\u1ea7u n\u0103m; nh\u00e0 li\u1ec1n k\u1ec1 v\u00e0 bi\u1ec7t th\u1ef1 dao \u0111\u1ed9ng 100\u2013200 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2. T\u1ea1i TP. H\u1ed3 Ch\u00ed Minh, t\u1eeb 2018 \u0111\u1ebfn 2024, gi\u00e1 c\u0103n h\u1ed9 t\u0103ng t\u1eeb ~35 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2 l\u00ean tr\u00ean 91 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng m\u1ee9c t\u0103ng kho\u1ea3ng 160%, trong khi thu nh\u1eadp b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi ch\u1ec9 t\u0103ng 6%\u20137% m\u1ed7i n\u0103m, l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng chi tr\u1ea3.<\/p>\n

Lu\u1eadt Nh\u00e0 \u1edf 2023 m\u1edf c\u1eeda cho ng\u01b0\u1eddi mua n\u01b0\u1edbc ngo\u00e0i, cho ph\u00e9p mua, thu\u00ea mua, t\u1eb7ng v\u00e0 th\u1eeba k\u1ebf, nh\u01b0ng \u00e1p \u0111\u1eb7t h\u1ea1n ng\u1ea1ch v\u00e0 th\u1eddi h\u1ea1n s\u1edf h\u1eefu nghi\u00eam ng\u1eb7t: t\u1ed1i \u0111a 30% s\u1ed1 c\u0103n h\u1ed9 trong m\u1ed9t t\u00f2a chung c\u01b0, t\u1ed1i \u0111a 250 c\u0103n nh\u00e0 ri\u00eang l\u1ebb trong ph\u1ea1m vi t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ph\u01b0\u1eddng; h\u00ecnh th\u1ee9c s\u1edf h\u1eefu thu\u00ea d\u00e0i h\u1ea1n t\u1ed1i \u0111a 50 n\u0103m, c\u00f3 th\u1ec3 gia h\u1ea1n, nh\u01b0ng kh\u00f4ng c\u00f3 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u0129nh vi\u1ec5n.<\/p>\n

C\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch cho r\u1eb1ng c\u00f4ng c\u1ee5 th\u1ecb tr\u01b0\u1eddng c\u1ee7a Vi\u1ec7t Nam nh\u01b0 thu\u1ebf, t\u00edn d\u1ee5ng, quy ho\u1ea1ch, \u0111\u1ecbnh gi\u00e1 \u0111\u1ea5t nh\u00e0 n\u01b0\u1edbc c\u00f2n thi\u1ebfu \u0111\u1ed3ng b\u1ed9, t\u1ea1o c\u01a1 h\u1ed9i cho \u0111\u1ea7u c\u01a1 v\u00e0 th\u1ed5i gi\u00e1, l\u1ea5n \u00e1t cung \u2013 c\u1ea7u th\u1ef1c. B\u1ed9 X\u00e2y d\u1ef1ng g\u1ecdi c\u00e1c bi\u1ec7n ph\u00e1p h\u1ea1n ch\u1ebf gi\u00e1 theo m\u1ee5c ti\u00eau l\u00e0 \u201cc\u1ea7n thi\u1ebft\u201d \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh th\u1ecb tr\u01b0\u1eddng, v\u1ed1n ng\u00e0y c\u00e0ng v\u01b0\u1ee3t t\u1ea7m v\u1edbi c\u1ee7a h\u1ed9 gia \u0111\u00ecnh tr\u1ebb v\u00e0 c\u00f4ng nh\u00e2n \u0111\u00f4 th\u1ecb.\"hanoi<\/p>\n

C\u00c1C BI\u1ec6N PH\u00c1P TH\u1eacN TR\u1eccNG C\u1ee6A TH\u1eca TR\u01af\u1edcNG \u0110\u1ed0I TH\u1ee6 \u0110\u1ec2 KI\u1ec2M SO\u00c1T NHU C\u1ea6U NH\u00c0 TH\u1ee8 HAI V\u00c0 NH\u00c0 B\u1ed4 SUNG<\/strong><\/p>\n

Singapore<\/strong>: Thu\u1ebf tr\u01b0\u1edbc b\u1ea1 b\u1ed5 sung (ABSD) v\u00e0 tr\u1ea7n t\u00edn d\u1ee5ng nhi\u1ec1u l\u1edbp l\u00e0 c\u00f4ng th\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m ch\u1ee9ng, gi\u00fap h\u1ea1 nhu c\u1ea7u \u0111\u1ea7u c\u01a1 s\u1eed d\u1ee5ng \u0111\u00f2n b\u1ea9y trong khi v\u1eabn b\u1ea3o v\u1ec7 quy\u1ec1n ti\u1ebfp c\u1eadn nh\u00e0 \u1edf \u0111\u1ea7u ti\u00ean.<\/p>\n

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  • ABSD: C\u00f4ng d\u00e2n Singapore: nh\u00e0 th\u1ee9 2 = 20%; nh\u00e0 th\u1ee9 3 tr\u1edf l\u00ean = 30%Th\u01b0\u1eddng tr\u00fa nh\u00e2n: nh\u00e0 th\u1ee9 2 = 30%; nh\u00e0 th\u1ee9 3+ = 35%\n

    Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: 60%<\/p>\n

    T\u1ed5 ch\u1ee9c: 65% (nh\u00e0 ph\u00e1t tri\u1ec3n: 35% + 5% kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n ra ngo\u00e0i)<\/li>\n

  • Tr\u1ea7n t\u00edn d\u1ee5ng:<\/li>\n<\/ul>\n

    TDSR (t\u1ed5ng ngh\u0129a v\u1ee5 n\u1ee3 tr\u00ean thu nh\u1eadp) t\u1ed1i \u0111a 55% (th\u1eaft ch\u1eb7t t\u1eeb 60% n\u0103m 2021)<\/p>\n

    LTV theo b\u1eadc gi\u1ea3m khi s\u1edf h\u1eefu nhi\u1ec1u kho\u1ea3n vay: th\u01b0\u1eddng 45% cho kho\u1ea3n vay th\u1ee9 2; 35% cho kho\u1ea3n vay th\u1ee9 3+ n\u1ebfu k\u1ef3 h\u1ea1n \u226430 n\u0103m, th\u1ea5p h\u01a1n n\u1ebfu k\u1ef3 h\u1ea1n d\u00e0i h\u01a1n<\/p>\n

    Vay HDB: LTV \u0111\u1ed3ng b\u1ed9 75% (th\u00e1ng 8\/2024)<\/p>\n

    Th\u00e1i Lan:<\/strong><\/p>\n

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      Thay v\u00ec th\u1eaft ch\u1eb7t, Th\u00e1i Lan t\u1ea1m th\u1eddi n\u1edbi LTV<\/strong> \u0111\u1ec3 h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng y\u1ebfu.<\/p>\n<\/li>\n

    • \n

      Ng\u00e2n h\u00e0ng Th\u00e1i Lan (BOT) th\u1eaft ch\u1eb7t LTV t\u1eeb 1\/4\/2019, y\u00eau c\u1ea7u \u0111\u1eb7t c\u1ecdc cao h\u01a1n cho kho\u1ea3n vay b\u1ed5 sung.<\/p>\n<\/li>\n

    • \n

      \u0110\u1ebfn th\u00e1ng 1\/2020, BOT \u0111i\u1ec1u ch\u1ec9nh:<\/p>\n

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        Nh\u00e0 th\u1ee9 2 <10 tri\u1ec7u THB: \u0111\u1eb7t c\u1ecdc 10% n\u1ebfu kho\u1ea3n vay \u0111\u1ea7u \u0111\u00e3 tr\u1ea3 \u22652 n\u0103m, n\u1ebfu kh\u00f4ng 20%<\/p>\n<\/li>\n

      • \n

        Nh\u00e0 th\u1ee9 3 tr\u1edf l\u00ean: \u0111\u1eb7t c\u1ecdc 30% (\u2248 LTV 70%)<\/p>\n<\/li>\n<\/ul>\n<\/li>\n

      • \n

        \u0110\u1ec3 h\u1ed7 tr\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n suy gi\u1ea3m, BOT t\u1ea1m th\u1eddi n\u00e2ng LTV l\u00ean \u0111\u1ebfn 100%<\/strong> cho h\u1ee3p \u0111\u1ed3ng vay k\u00fd t\u1eeb 1\/5\/2025\u201330\/6\/2026, bao g\u1ed3m nh\u00e0 th\u1ee9 2 <10 tri\u1ec7u THB v\u00e0 nh\u00e0 \u0111\u1ea7u ti\u00ean >10 tri\u1ec7u THB<\/p>\n<\/li>\n

      • \n

        Thu\u1ebf giao d\u1ecbch ch\u1ed1ng l\u01b0\u1edbt s\u00f3ng (SBT):<\/strong> 3,3% n\u1ebfu b\u00e1n trong v\u00f2ng 5 n\u0103m, h\u1ea1n ch\u1ebf mua \u0111i b\u00e1n l\u1ea1i<\/p>\n<\/li>\n<\/ul>\n

        H\u00e0n Qu\u1ed1c:<\/strong><\/p>\n

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          LTV \u0111\u1ecba ph\u01b0\u01a1ng c\u1ef1c k\u1ef3 ch\u1eb7t ch\u1ebd cho ch\u1ee7 s\u1edf h\u1eefu nhi\u1ec1u nh\u00e0<\/strong> t\u1ea1i c\u00e1c khu v\u1ef1c n\u00f3ng, c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh c\u1ea9n th\u1eadn \u0111\u1ec3 tr\u00e1nh t\u00e1c \u0111\u1ed9ng lan t\u1ecfa<\/p>\n<\/li>\n

        • \n

          2025: LTV g\u1ea7n b\u1eb1ng 0 cho nh\u00e0 b\u1ed5 sung t\u1ea1i c\u00e1c v\u00f9ng d\u1ef1 \u0111o\u00e1n \u0111\u1ea7u c\u01a1 \u1edf Seoul; sau \u0111\u00f3 si\u1ebft v\u1ec1 40% t\u1ea1i c\u00e1c qu\u1eadn gi\u00e0u c\u00f3<\/p>\n<\/li>\n<\/ul>\n

          \u0110\u00e0i Loan (Trung Qu\u1ed1c):<\/strong><\/p>\n

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            Ki\u1ec3m so\u00e1t t\u00edn d\u1ee5ng ch\u1ecdn l\u1ecdc<\/strong> \u0111\u1ec3 gi\u1ea3m vay \u0111\u1ea7u c\u01a1, \u0111\u1eb7c bi\u1ec7t t\u1ea1i 8 th\u00e0nh ph\u1ed1 l\u1edbn<\/p>\n<\/li>\n

          • \n

            T\u1eeb 2020, nhi\u1ec1u v\u00f2ng \u0111i\u1ec1u ch\u1ec9nh:<\/p>\n

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              LTV th\u1ea5p h\u01a1n cho kho\u1ea3n vay th\u1ee9 2 (60% t\u1ea1i c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn; 50% to\u00e0n qu\u1ed1c t\u1eeb 9\/2024 cho ng\u01b0\u1eddi c\u00f2n 1 kho\u1ea3n vay nh\u00e0)<\/p>\n<\/li>\n

            • \n

              LTV t\u1ed1i \u0111a 30% cho kho\u1ea3n vay th\u1ee9 3+ ho\u1eb7c nh\u00e0 gi\u00e1 cao, kh\u00f4ng c\u00f3 th\u1eddi gian \u00e2n h\u1ea1n, si\u1ebft ch\u1eb7t t\u1ea1i c\u00e1c \u0111\u00f4 th\u1ecb l\u1edbn<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

              V\u01b0\u01a1ng qu\u1ed1c Anh (Anh & B\u1eafc Ireland):<\/strong><\/p>\n

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                SDLT cao h\u01a1n cho nh\u00e0 b\u1ed5 sung<\/strong>: d\u1ec5 qu\u1ea3n l\u00fd, t\u0103ng thu ng\u00e2n s\u00e1ch nh\u01b0ng h\u1ea1n ch\u1ebf t\u00e1c \u0111\u1ed9ng v\u1edbi ng\u01b0\u1eddi mua b\u1eb1ng ti\u1ec1n m\u1eb7t<\/p>\n<\/li>\n

              • \n

                T\u1eeb 31\/10\/2024, surcharge nh\u00e0 th\u1ee9 2<\/strong> t\u0103ng t\u1eeb 3% \u2192 5% tr\u00ean khung SDLT chu\u1ea9n (5%, 7%, 10%, 15%, 17%)<\/p>\n<\/li>\n

              • \n

                Scotland: Additional Dwelling Supplement = 8% t\u1eeb 5\/12\/2024 (t\u0103ng t\u1eeb 6%)<\/p>\n<\/li>\n<\/ul>\n

                Canada:<\/strong><\/p>\n

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                • \n

                  C\u1ea5m mua b\u1edfi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 thu\u1ebf nh\u00e0 b\u1ecf tr\u1ed1ng\/kh\u00f4ng s\u1eed d\u1ee5ng<\/strong><\/p>\n<\/li>\n

                • \n

                  C\u1ea5m ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i k\u00e9o d\u00e0i t\u1edbi 1\/1\/2027<\/p>\n<\/li>\n

                • \n

                  Federal Underused Housing Tax:<\/strong> 1%\/n\u0103m tr\u00ean nh\u00e0 b\u1ecf tr\u1ed1ng\/kh\u00f4ng s\u1eed d\u1ee5ng, ch\u1ee7 y\u1ebfu v\u1edbi ng\u01b0\u1eddi kh\u00f4ng c\u01b0 tr\u00fa<\/p>\n<\/li>\n

                • \n

                  Thu\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng: v\u00ed d\u1ee5 Vancouver Empty Homes Tax = 3% (gi\u1eef nguy\u00ean 3% sau \u0111\u1ec1 xu\u1ea5t t\u0103ng l\u00ean 5%)<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n

                  <\/p>","protected":false},"excerpt":{"rendered":"

                  B\u1ed9 X\u00e2y d\u1ef1ng Vi\u1ec7t Nam \u0111\u1ec1 xu\u1ea5t tr\u1ea7n vay theo gi\u00e1 tr\u1ecb nghi\u00eam ng\u1eb7t cho nh\u00e0 th\u1ee9 hai B\u1ed9 X\u00e2y<\/p>\n","protected":false},"author":1,"featured_media":10224,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[413,422],"tags":[],"class_list":["post-10223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-real-estate-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/posts\/10223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/comments?post=10223"}],"version-history":[{"count":2,"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/posts\/10223\/revisions"}],"predecessor-version":[{"id":10347,"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/posts\/10223\/revisions\/10347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/media\/10224"}],"wp:attachment":[{"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/media?parent=10223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/categories?post=10223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nabigetaconsult.com\/vi\/wp-json\/wp\/v2\/tags?post=10223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}