'%3E%3Cpath%20stroke='%23000'%20stroke-width='4'%20d='m-35-37-13%2020m5%203%2013-20m5%203-13%2020m63%2042%206-9m1-2%206-9m5%203-6%209m-1%202-6%209m5%203%206-9m1-2%206-9m-96%200%2013%2020m5-3-6-9m-1-2-6-9m5-3%2013%2020m63-42-6-9m-1-2-6-9m5-3%2013%2020m5-3-6-9m-1-2-6-9'/%3E%3Ccircle%20r='24'%20fill='%23cd2e3a'/%3E%3Cpath%20fill='%230047a0'%20d='M0%200a12%2012%200%201%201%2020%2013%2024%2024%200%201%201-40-26A12%2012%200%201%200%200%200'/%3E%3C/g%3E%3C/svg%3E){kind=small}
Celesta Gold Launch 2026: Gold-Denominated Booking, 3 Payment Plans & Interest Support
Celesta Gold launched under the sales policy of 2 November 2026: the show units at Celesta Avenue (304–308 Nguyễn Hữu Thọ, Nhà Bè) are open and the developer accepts bookings of 7 chỉ of gold — about VND 100 million each. Early bookings get a 2% discount. Buyers choose one of three payment plans: the standard plan with only 30% paid before handover, a fast-pay plan with 7% cashback, or an interest-support plan with 20% own funds.
The SPA is expected in December 2026 and handover in December 2027. Foreign buyers pay the same price as Vietnamese buyers.
Table of contents
Celesta Gold Launch Timeline
| Milestone | Date | Notes |
|---|---|---|
| Show units open, bookings accepted | 2 Nov 2026 | Show gallery C16–C18 Celesta Avenue, 304–308 Nguyễn Hữu Thọ |
| SPA signing | Expected Dec 2026 | First instalment — 5% |
| Handover | Expected Dec 2027 | On the standard plan, 30% paid before handover |
| Title certificate | After handover | Final 5% |
A Gold-Denominated Booking: 7 Chỉ, About VND 100 Million
What sets Celesta Gold apart is a booking valued in 7 chỉ of gold (0.7 tael, about VND 100 million). The policy sets out two scenarios at the first instalment:
- Gold price rises (e.g. to VND 180 million per tael): the developer credits the then-current value of the 7 chỉ against the first instalment — the buyer keeps the upside.
- Gold price falls (e.g. to VND 100 million per tael): the developer still protects the original booking value and credits it against the first instalment.
In other words, the booking is protected on the downside and participates in gold’s upside. Booking funds go to the account of Nha Be Real Estate JSC or a bank escrow account as instructed; always check the beneficiary name before transferring.
Incentives in the 2 November 2026 Policy
| Incentive | Details |
|---|---|
| Early-booking discount | 2% |
| Management fees | Free for 2 years, five-star management standard |
| Wellness programme | 52 weeks of free coached training (gym, yoga, pilates) |
| Former Celesta Heights buyers | VND 100 million voucher on a Celesta Gold unit, non-transferable |
| Foreign buyers | Same price as Vietnamese buyers |
| Fast-pay plan | 7% cashback |
| Interest-support plan | Developer covers 100% of loan interest until 12 months after handover |
The Three Celesta Gold Payment Plans Compared
| Milestone | Standard plan | Fast-pay plan | Interest-support plan (buyer pays) |
|---|---|---|---|
| SPA signing (expected Dec 2026) | 5% | 5% | 5% |
| +2 months | 5% | 45% | 5% (bank disburses another 10%) |
| +5 months | 5% | — | — |
| +8 months | 5% | — | — |
| +11 months | 10% | — | — |
| Handover (expected Dec 2027) | 65% | 45% | 10% (bank disburses 65%) |
| Title certificate (pink book) | 5% | 5% | 5% |
| Paid before handover | 30% | 50% | 20% own funds |
Standard Plan: 30% Before Handover
The buyer pays 5% at SPA signing (expected December 2026), then 5% – 5% – 5% – 10% every 2–3 months through 2027. By handover only 30% in total has been paid; 65% is due on handover and the last 5% when the title certificate is issued. Suits buyers who want to keep cash during construction, or who will finance the 65% with a mortgage at handover.
Fast-Pay Plan: 7% Cashback
The buyer pays 5% at signing, 45% two months later, 45% at handover and 5% on the title certificate — and receives 7% cashback. The policy does not yet specify the base on which the 7% is calculated or when it is paid; Realtique recommends checking this clause in the SPA appendix before choosing. Suits buyers with idle cash who want the lowest effective cost.
Interest-Support Plan: 20% Own Funds
The buyer pays 5% at signing, 5% after two months, 10% at handover and 5% on the title certificate. The bank disburses 10% after two months and 65% at handover. The developer covers 100% of loan interest from the first disbursement until 12 months after handover; from month 12 to month 24 after handover, the buyer pays interest capped at 6% per year.
Note: the unit price under this plan usually differs from the standard plan — compare the total cost (price plus interest after the support period), not just the upfront cash. From month 25 after handover, the bank’s own rate applies.
Cash-Flow Example as a Share of the Unit Price
Because unit prices are on request, the example below is expressed as a percentage of the price. Multiply by the price Realtique quotes for any unit:
| Date | Standard — cumulative | Fast-pay — cumulative | Interest support — buyer’s own funds, cumulative |
|---|---|---|---|
| Dec 2026 (SPA) | 5% | 5% | 5% |
| Feb 2027 | 10% | 50% | 10% |
| May 2027 | 15% | 50% | 10% |
| Aug 2027 | 20% | 50% | 10% |
| Nov 2027 | 30% | 50% | 10% |
| Dec 2027 (handover) | 95% | 95% | 20% (+ loan principal under the credit agreement) |
| Title certificate | 100% | 100% (before 7% cashback) | 25% own funds including the final instalment |
Months are estimated from the policy’s 2–3-month intervals, counted from the expected SPA date of December 2026. Exact dates follow the developer’s notices.
Mortgages: Partner Banks for Celesta Gold
The project works with 8 banks: VietinBank, ACB, Vietcombank, Standard Chartered, Vikki Digital Bank, Hong Leong Bank, HDBank and UOB. On the interest-support plan, the loan is disbursed by progress (10% after two months, 65% at handover); prepare the loan file in parallel with SPA signing. Foreign buyers should check each bank’s lending conditions for non-residents.
Legal Status and Bank Guarantee
The project has a land use right certificate (CK 097000), investment policy approval 5399/QĐ-UBND, land allocation 6254/QĐ-UBND, 1/500 plan approval 562/QĐ-UBND, a construction permit exemption, a commencement notice and a bank guarantee contract for off-plan housing. The full list is in the Celesta Gold guide.
How to Buy Celesta Gold, From Booking to Handover
- Visit the show units and shortlist a unit type — see the Celesta Gold floor plans first.
- Book with 7 chỉ of gold (about VND 100 million) and sign the registration form.
- Select your unit and payment plan when the developer opens the inventory.
- Sign the SPA (expected December 2026) and receive the bank guarantee letter for your unit.
- Pay by progress and follow construction.
- Take handover (expected December 2027), then receive the title certificate.
- Does your unit come with Standard or Premium Fitted?
- How much does the price differ between payment plans?
- On what base is the fast-pay 7% cashback calculated, and when is it paid?
- What are the refund terms if you cannot select a suitable unit?
- For foreign buyers: how many foreign-quota units remain in the tower?
Unit prices are provided on request (price: on request) because they depend on floor, view, fit-out package and the payment plan you choose. Call or WhatsApp +84 866 810 689, or leave your details at the end of this article for a costing of the exact unit you are considering.
Frequently Asked Questions
When did Celesta Gold launch?
Celesta Gold opened its show units and began accepting bookings on 2 November 2026. The SPA is expected in December 2026 and handover in December 2027.
How much is the Celesta Gold booking fee?
Each booking is 7 chỉ (0.7 tael) of gold, about VND 100 million. If gold rises, the developer credits the then-current value against the first instalment; if gold falls, the original booking value is protected.
What is the standard payment plan?
The buyer pays 5% at SPA signing, then 5%, 5%, 5% and 10% during 2027 — 30% in total before handover; 65% at handover and 5% on the title certificate.
How much own capital does the interest-support plan need?
About 20% own funds (5% at signing, 5% after two months, 10% at handover) plus 5% on the title certificate. The developer covers 100% of loan interest until 12 months after handover; from month 12 to 24 the buyer pays at most 6% per year.
What does the fast-pay plan offer?
The fast-pay plan (5% – 45% – 45% – 5%) comes with 7% cashback. Check the calculation base and timing in the SPA.
What is the price of Celesta Gold?
Prices depend on floor, view, fit-out package and payment plan and are provided on request. Contact Realtique on +84 866 810 689 for a costing of a specific unit.
Which banks lend for Celesta Gold?
Eight partner banks: VietinBank, ACB, Vietcombank, Standard Chartered, Vikki Digital Bank, Hong Leong Bank, HDBank and UOB.
Do foreigners pay more for Celesta Gold?
No. The 2 November 2026 sales policy states that foreign buyers pay the same price as Vietnamese buyers, within the 30% per-building foreign quota.
⚠️ Note: Content follows the Celesta Gold sales policy issued on 2 November 2026; the developer may adjust it between phases. The cash-flow table is expressed as a percentage of the unit price for illustration and excludes VAT, the maintenance fund and financing costs. This article is not investment, financial or legal advice; official terms are those in the SPA.
Considering Celesta Gold, or another project on the Nguyễn Hữu Thọ axis?
Leave your name and email and a Realtique advisor will come back within two working hours with the developer’s official announcement cross-checked against broker quotes, the licence-to-sell status, the remaining 30% foreign quota, and your cash-flow after the promotional interest period — before you place a deposit.
📞 Hotline / WhatsApp: +84 938 252 638
Grace Le
Grace Le advises local, overseas-Vietnamese and foreign clients on apartments across South Saigon — from checking the developer’s stamped price list against broker quotes, to confirming the eligible-to-sell paperwork and the remaining foreign-ownership quota, and comparing payment terms across projects on the Nguyễn Hữu Thọ axis before you place a deposit.
