Updated · 30 September 2026
Vinhomes Hai Van Bay sales policy (September 2026)
New policies apply to Bạch Vân and Đảo Ngọc from 11 September 2026 (V12) and to Vịnh Mây from 12 September 2026 (V01), until replaced. Each product line calculates discounts on a different base, so the figures should not simply be added together.
Discounts by payment option
| Product line | Pay 100% within 15 days | Calculated on | Other options |
|---|---|---|---|
| Bạch Vân – shell, immediate construction | 7.5% | Base price | 24/36-month extended plan: add 10%/15% |
| Bạch Vân, Đảo Ngọc – shell, deferred construction | 7.5% | Land-use and commercial value | 24/36-month extended plan: add 10%/15% |
| Vịnh Mây – shell, deferred construction | 7.5% from 1 Oct 2026 (expected, per the developer’s documents); the 9% rate applies only until the end of 30 Sep 2026 | Land-use and commercial value | 24/36-month extended plan: add 10%/15% |
| Đảo Ngọc – finished, immediate construction | 15% | Base price (set on the 24-month interest-support plan) | Standard schedule without a loan: 2% discount |
General conditions: no bank loan and payment on time within 15 days of signing the purchase contract (HĐMB). Paying individual instalments early (at least 7 days before the due date) earns a discount of 11% a year, credited after handover. The base price excludes VAT and the maintenance fee.
Standard payment schedule (Bạch Vân, shell with immediate construction)
| Instalment | When | Amount |
|---|---|---|
| 1 | Signing the deposit agreement (day T) | VND 200 million per home |
| 2 | T+15 days or the HĐMB signing date (day D) | 10% of the price (incl. VAT), plus 5% into a performance-deposit agreement earning 9.5% a year |
| 3–6 | D+15, D+60, D+120, D+180 days | 15% each |
| 7 | On the handover notice | 25% + 100% of the maintenance fee |
| 8 | When the certificate is issued | 5% (offset from the performance deposit) |
For deferred-construction products, this schedule applies to the land-use and commercial value; 95% of the construction value is due at handover. The 24/36-month plans split payments into 2–5% instalments, with handover estimated at D+720/D+1,080 days.
Interest support
| Product line | Loan size | 0% period | Price uplift (70% option) |
|---|---|---|---|
| Bạch Vân – shell, immediate construction | Up to 70% of the price | 18 / 24 / 30 / 36 months | 3.5% / 8% / 13.5% / 19.5% |
| Deferred construction (Bạch Vân, Đảo Ngọc, Vịnh Mây) | 70% or 80% of the land-use and commercial value, capped at 70% of the price | 18 / 24 / 30 / 36 months | 3.5% / 8% / 13.5% / 19.5% (80% option: 5.5% / 10.5% / 17.5% / 25%) |
| Đảo Ngọc – finished | Up to 70% of the price | Up to 24 months | Built into the base price |
Vịnh Mây: the special interest-support programme (including the 60-month option) applies only until the end of 30 September 2026; from 1 October 2026 the standard table above applies (expected, per the developer’s documents). Support applies only to buyers who meet the designated bank’s lending conditions; the option cannot be changed after signing the HĐMB.
Offers and gifts
- Vinhomes home-ownership voucher: pays up to 30% of the home value, one voucher per home, to be used by 31 December 2026; homes paid with a voucher cannot be transferred for 3 months.
- Management fees waived for the first 24 months from when service charges begin.
- One gift package: a Vinmec Family Care Plus voucher worth VND 100 million or a 5-night Vinpearl e-voucher. Plus an Aquafield mineral-spa voucher worth VND 20 million for up to the first 500 homes from 11 September 2026.
- Bạch Vân and Đảo Ngọc: 1% for buyers with permanent or 6-month-plus temporary residence in Da Nang or Huế (100 homes); 1% on a second or subsequent home; an extra 1% for the first 100 homes in Đảo Ngọc.
- “Move in early” list (Bạch Vân shell with immediate construction, finished Đảo Ngọc): 10% if the buyer moves in or lets the home within the set period; not available on the 24/36-month plans.
- The Vingroup anniversary offer for VinClub members (0.5–2.7%, until 31 October 2026) applies only through the VinClub-run channel, not through sales agents.
Rental commitment (finished Đảo Ngọc)
For homes on the “finished homes with rental commitment” list, the buyer leases the home back to the developer or its management company for 36 months and receives 7% a year on the price before VAT and maintenance fee, paid every six months. The buyer must buy the listed loose-furniture package and declares tax on the rent.
This is a contractual obligation that depends on the financial strength of the party giving it, not guaranteed income. It cannot be combined with the “move in early” offer.
Superseded policy
Policy V11 (from 13 August 2026) has been replaced; its offers no longer apply since V12/V01 took effect. The policy that applies to a transaction is the one in force on the day the first transaction document is signed.
Calculate the total for your payment plan
Choose a home and a way to pay (own funds, loan or extended plan) and Happy Land will calculate the total under the policy in force on your signing date.
Frequently asked questions
01Which Vinhomes Hai Van Bay sales policy is the latest?
Bạch Vân and Đảo Ngọc: V12, from 11 September 2026. Vịnh Mây: V01, from 12 September 2026. Both apply until replaced.
02What is the early-payment discount?
Shell with immediate or deferred construction: 7.5% (deferred construction is calculated on the land-use and commercial value). Finished Đảo Ngọc: 15%. Vịnh Mây: 7.5% from 1 October 2026 (expected, per the developer’s documents); the 9% rate applies only until the end of 30 September 2026.
03How long is the interest support on a bank loan?
0% interest for 18, 24, 30 or 36 months with a matching price uplift; up to 24 months for finished Đảo Ngọc. Loans are capped at 70% of the price.
04Do the policies apply to foreign buyers?
The policies cover customers buying or leasing homes from the developer and state that foreign organisations and individuals may only lease homes from the developer.
05Is the 7% rental commitment guaranteed?
It is a 36-month contractual obligation of the party giving it and depends on that party’s financial strength; it should not be treated as guaranteed income.
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