Buying a Completed The Marq Apartment: Title Deeds and Four Payment Routes

Posted by Khoi Pham on September 8, 2026

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The Marq at 29B Nguyen Dinh Chieu, District 1, Ho Chi Minh City

Every apartment in the current Marq release already holds its title certificate, and each comes with a named car parking bay. That changes the nature of the transaction: this is a purchase of completed stock, not future housing. This article walks through the four payment routes — including a package fixed at 0% interest for 18 months — the deposit process, and what to establish before committing funds.

What makes the current Marq release different

The Marq is complete, so what trades today is not future housing but finished stock. The release currently in the market has three defining features:

Every apartment already holds its title certificate. That is a categorical difference from buying off plan — no completion risk, no need for a bank guarantee, and ownership already established.
Each unit comes with a named car parking bay. In District 1, a fixed parking space is a real asset, not a brochure line.
The release concentrates on lower floors. Worth knowing upfront so expectations match what you will be shown.

How buying a titled apartment differs from buying off plan

Three things change. Timing — you take the keys and can operate the asset immediately rather than waiting for handover. Risk — the biggest risk in future housing is delay or non-completion; here it is zero. Tax structure — transferring a titled apartment carries different obligations from signing a first sale contract with a developer. Establish clearly which costs sit with the seller and which with the buyer.

The Marq seen from above, District 1, Ho Chi Minh City

Route 1 — Standard, with a 1% discount

Four stages spread across roughly two years:

Stage	Payment	Indicative timing
1 — Deposit	10% within 07 days	Immediately on confirming the unit
2 — Handover	50% + 2% maintenance fund	Around 28 February 2027 — provisional handover
3 — Deferred over 1 year	35% across 5 instalments of roughly 5% – 10%	To around 28 February 2028 — title transfer documents signed
4 — Transfer formalities	5%	Certificate issued

The point worth noting: the buyer takes the keys having paid about 60%, with a full year to complete the remaining 35%. During that year the apartment can already be let.

The other three routes

Special route — stretched over 24 months. Same shape as Standard, but the deferred portion runs 18 months instead of 12:

Stage	Payment	Cumulative
1 — Deposit	10% within 07 days	10%
2 — Provisional handover	50% + 2% maintenance fund	50%
3 — Deferred over 18 months	45%	95%
4 — Transfer	5%	100% — certificate issued

Fast payment route. Three milestones with rising discounts:

Fast payment level	Discount
50%	2%
70%	3%
95%	5%

Financed route. Deposit, then 20% of the value within 07 days of signing the deposit agreement (deposit included); a further 10% within 30 days of the first instalment (30% cumulative); the bank then disburses 70% at a fixed 0% interest rate for 18 months from first drawdown; the certificate is issued at the final stage.

0% for 18 months — read one line further

A 0% package always has an end date. The decisive question is what rate applies after month 18 and on what margin. On a loan of 70% of a District 1 apartment, one or two percentage points after the promotional period is a very large number. Insist that the credit agreement states the floating-rate formula explicitly — do not accept "the bank's published rate from time to time" without a stated margin.

Deposits and the reservation process

The set deposit is 200 million VND per unit. Units are reserved by locking them on the shared inventory system, with each lock carrying a deadline measured in minutes to confirm the deposit.

Transfer only to the account of the legal entity holding the release, using the exact reference format, and always take a confirmation slip. Never to a personal account.
Ask for the detailed quotation for your specific unit code before depositing — each unit is priced individually by floor, aspect and size.
If a unit is subject to an existing tenancy, establish the remaining lease term and the current rent before committing.

On foreign ownership allocation

The release currently in the market has no allocation available to foreign buyers. Overseas Vietnamese who still hold Vietnamese nationality transact on the same footing as domestic citizens under the 2024 Land Law.

Frequently asked questions

Do The Marq apartments on sale already have title certificates?

Yes — the current release is 100% titled. These are transfers of completed apartments rather than purchases of future housing.

What payment plans does The Marq offer?

Four: Standard (1% discount, one-year deferred portion), Special (stretched over 24 months with an 18-month deferred portion), Fast payment (2% to 5% depending on whether you pay 50%, 70% or 95%), and a financed route.

How much can I borrow to buy at The Marq?

The bank disburses 70% of the apartment value at a fixed 0% interest rate for 18 months from first drawdown. The buyer pays 30% before disbursement.

How much is the deposit at The Marq?

200 million VND per unit. Units are reserved by locking them on the shared inventory system, with a confirmation deadline measured in minutes.

Does a Marq apartment come with parking?

The current release includes one named car parking bay with each apartment. Confirm the clause on the quotation for your specific unit code before depositing.