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Vietnam · VND

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HomeCalc

Buy or rent

Compare the total cost of buying a home with renting one over the same period.

Figures follow Vietnamese law, with every source cited and dated.

The home and the rent
₫
The price you plan to pay.
₫
30% of the price
₫
What the tenant pays each month.
years
How long you expect to live in or hold the home.
Transaction type

Buying a home from its current owner, with the ownership certificate (pink book, or sổ hồng) already issued. The seller pays personal income tax on transfer.

LoanLoan: 20 years at 10.5% a year
years
%
One rate for the whole loan. For a promotional rate that later becomes a floating rate, use the mortgage calculator.

Monthly payment: ₫20,965,978

Results

Over 10 years, buying costs ₫687,576,916 less than renting under these assumptions.

≈ $27,070

Vietnam · VND

BreakdownCost of owning: ₫1,123,639,609 · Renting: ₫1,811,216,525

Owning

Interest paid
₫1,969,700,821
Deposit interest forgone on the down payment and buyer costs
₫576,822,152
Buyer costs
₫17,200,000
Upkeep reserve
₫300,000,000
Resale costs
₫146,600,516
Less: value gained
-₫1,886,683,880
Cost of owning
₫1,123,639,609

Renting

Rent paid over 10 years (rising 5% a year)
₫1,811,216,525

Principal repaid builds your equity, so it is not counted as a cost.

Exchange rate: 1 USD = ₫25,400
₫
You enter the rate. This page does not fetch live rates.

Default rate last updated Oct 1, 2026

Converted amounts are for reference only. The amounts in Vietnamese dong (VND) are the ones that apply.

Growth rates and the deposit rate are assumptions, not forecasts. If you change them above, the sentence changes too.

Note

Every figure on this page is an estimate based on the values you entered and on defaults from Vietnamese law, current as of the verification date shown next to each one. It is not financial, legal or tax advice. The actual interest rate, fees and taxes are set by your bank, your notary office and your tax office in Vietnam at the time of the transaction. Confirm with them before signing any contract. This site stores none of your data; everything you entered lives in the page address.

Assumptions you can change

  • Home price growth per year

    5%

    Assumption

    The assumed change in the home's price each year. It can be negative. This is an assumption, not a forecast.

  • Rent growth per year

    5%

    Assumption

    The assumed rise in rent each year. This is an assumption, not a forecast.

  • Deposit rate

    5%

    Assumption

    What the same cash would earn each year in a deposit. This is an assumption, not a forecast.

  • Upkeep reserve

    1%

    Assumption

    The share of the price set aside each year for repairs and replacements. This is an assumption, not a forecast.

  • Resale costs

    3%

    Source: Luật Thuế thu nhập cá nhân số 109/2025/QH15

    Taxes and the brokerage fee when you sell at the end, on the expected sale price.

  • Buyer costs

    ₫17,200,000

    From the home-buying costs tool

    The taxes and fees the buyer pays on the purchase, from the home-buying costs tool.

    See the cost details

The link carries only the numbers you entered. The site stores nothing.

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