Updated: 30/09/2026
Vinhomes Pearl Bay sales policy (in force from 20/09/2026)
A summary of the sales policy now in force for Ngọc Trai homes and the Lam Ngọc and Ruby commercial shops: discounts, interest support, rent commitment and payment schedule — plus a list of earlier incentives that have ended, so you do not miscalculate your budget.
The current sales policy comes in two documents
From 20/09/2026 the project applies a new sales policy until another replaces it, split by type of transaction:
- Sales policy HĐMB V08 — buying homes directly from the developer (sale and purchase agreement).
- Sales policy HĐCN V12 — taking a transfer of the sale and purchase agreement for homes and commercial-service shops — the form that applies to Lam Ngọc & Ruby shops.
- Eligible buyers: domestic customers; it does not apply to foreign organisations or individuals.
Main incentives in force
| Incentive | Level | Notes |
|---|---|---|
| Early payment in full (no loan) | 11%/year × number of days paid early | Applies to homes and shops; calculated on the amount and the number of days paid before the due date |
| Early payment by instalment (no loan) | 11%/year | Paid at least 7 days early, for a whole scheduled instalment |
| 5% performance guarantee deposit (TTĐC) | Developer pays 9.5%/year interest | Accrues until the ownership certificate (GCN) falls due; individual buyers pay personal income tax on the interest |
| Bank loan | Up to 70% of the value | Interest support for 18–60 months under the 2 options below |
| Rent commitment (shops) | 7%/year × 36 months | Only shops on list PL03; see the note below |
| Vinhomes Voucher | Pays up to 30% of the property value | For voucher holders, new signings 20/09–31/12/2026; 3-month transfer restriction |
Per the sales policy documents HĐMB V08 and HĐCN V12 of 20/09/2026. All detailed conditions follow the developer’s documents at the time of signing.
Two interest-support options (loan up to 70%)
| Support period | Option 1: buyer pays a fixed rate | Option 2: 0% interest, pay more than the base price |
|---|---|---|
| 18 months | 3.0%/year | +3.5% |
| 24 months | 4.5%/year | +8.0% |
| 30 months | 6.0%/year | +13.5% |
| 36 months | 7.5%/year | +19.5% |
| 48 months | 8.5%/year | — |
| 60 months | 9.0%/year | — |
Option 1: buy at the base price; the buyer pays a fixed interest rate during the support period and the developer covers the difference. Option 2: 0% interest during the support period, but the purchase price is above the base price. The option is chosen when signing the deposit agreement and cannot be changed after the contract is signed; loan conditions follow the bank designated by the developer.
Standard payment schedule — homes (HĐMB V08)
| Instalment | Timing | Share |
|---|---|---|
| 1 | Deposit & signing the deposit agreement — Day T | VND 300 million per unit |
| 2 | T+15 days or the HĐMB signing date (Day D) | 10% (incl. the deposit) + 5% performance guarantee deposit (TTĐC) |
| 3 | D+15 days | 15% |
| 4 | D+60 days | 20% |
| 5 | D+90 days | 25% |
| 6 | Handover notice or T+130 days (whichever comes later) | 25% + maintenance fund |
| 7 | When the ownership certificate (GCN) for the home is issued | 5% (offset against the TTĐC) |
Shares are of the sale price including VAT. The last instalment is tied to when the home’s ownership certificate (GCN) is issued.
Commercial shops (HĐCN V12): schedule and rent commitment
Lam Ngọc & Ruby shops are transacted by taking a transfer of the sale and purchase agreement. Standard schedule for shops (commercial-service): VND 300 million deposit per unit (Day T); 15% (incl. the deposit) at T+15 days or on signing the HĐCN, plus the 5% performance guarantee deposit (TTĐC) if not yet paid; then 15% at each of T+30, T+75, T+135 and T+195 days; the remaining 25% on the handover notice.
The rent commitment is 7% per year on the total property value (before VAT and the maintenance fund) for 36 months, only for units on list PL03. On handover, the buyer hands the unit back to the transferring investor (NĐT) or a management company designated by the NĐT to lease out; the 7% is gross revenue, inclusive of taxes and fees as regulated. This is an obligation that depends on the financial capacity of the committing party, not guaranteed income — read the lease contract carefully before deciding.
No longer applicable from 1 Oct 2026 (to avoid miscalculating)
- The fixed 9% discount for early payment (sales policy of 13/08/2026, and the separate 9% for shops until 30/09/2026) — now replaced by 11%/year by the number of days paid early.
- Option 3 “Super interest support” for shops (0% for up to 60 months) and the commitment to cap interest at 9% after the support period — valid only until the end of 30/09/2026.
- Gold gifts, VinFast car gifts, 5 years of waived service fees, 3% furnishing support and VND 200 million off per unit from earlier rounds — no longer part of the sales policy of 20/09/2026.
VinClub member incentives
Buyers who are VinClub members (verified account) receive tier-based incentives: homes 0.5% · 0.7% · 0.9% (Gold · Platinum · Diamond); shops 1.0% · 1.3% · 1.7% — half deducted from the price, half credited as VPoint at handover.
Only the “Vingroup 33rd anniversary programme” (20/09–31/10/2026, up to 2.7% for homes and 5.1% for shops) applies solely through the sales channel run by VinClub, not through agents, and cannot be combined with the VinClub tier incentives. Happy Land states this clearly so you can compare the final price correctly across channels.
Get the full sales policy & cash-flow calculator
The full policy document, the list of units covered by the rent commitment and a calculation of the amounts payable under each option — message us on Zalo to receive them free of charge.
Frequently asked questions
Which is the latest Vinhomes Pearl Bay sales policy?
The version in force from 20/09/2026, made up of sales policy HĐMB V08 (buying homes directly from the developer) and sales policy HĐCN V12 (taking a transfer of the sale and purchase agreement for homes and commercial shops), valid until a new policy replaces it.
How much discount do you get for paying early?
Without a loan, paying early earns a discount equivalent to 11%/year on the amount and the number of days paid before the due date — applying both to paying 100% early and to paying individual instalments early (at least 7 days before the due date).
What interest support is there if I borrow to buy Vinhomes Pearl Bay?
You can borrow up to 70% of the value. Option 1: buy at the base price and pay a fixed rate from 3.0%/year (18 months) up to 9.0%/year (60 months). Option 2: 0% interest for 18–36 months, but the purchase price is 3.5–19.5% above the base price.
Do the 9% discount and gold gifts still apply?
No. The fixed 9% discount, gold gifts, VinFast car gifts and 5 years of waived service fees belong to earlier policies; the sales policy from 20/09/2026 no longer includes them, and the separate shop incentives ended on 30/09/2026.
Can foreigners use this sales policy?
No. The current sales policy states clearly that it does not apply to foreign organisations or individuals. Foreign buyers, please contact us so Happy Land can confirm with the developer before any deposit.