Rung Phuong Eco Retreat Payment Policy: Just 10% Until Handover
After more than two decades of development, Ecopark has for the first time introduced a payment policy designed to “move with the market” and match buyers’ current cash flow: pay just 10% until handover. This article details the policy for the Rung Phuong — Eco Retreat Long An sub-zone — the loan option, the fast-payment option, the discount tiers and the timeline — so buyers can choose the most capital-efficient way to own.
The Policy in 30 Seconds
Loan Option — Just 10% Until Handover
This is the policy’s headline. For buyers using bank leverage, upfront cash is minimised:
- At SPA signing, the buyer pays only 10% of the home value; the bank disburses 40% — bringing progress to 50%.
- At handover (expected Q3/2028), the buyer pays a further 15%; the bank disburses another 30% — reaching 95%.
- Splitting disbursement into two stages (40% + 30%) instead of a single 70% keeps the buyer’s outstanding balance lower throughout construction, freeing capital for other plans.
| Milestone | Buyer pays | Bank disburses | Cumulative |
|---|---|---|---|
| Sale & purchase agreement (expected 12/2026) | 10% | 40% | 50% |
| Handover (expected Q3/2028) | +15% | +30% | 95% |
| Balance (on title-eligibility) | 5% | — | 100% |
In other words, for a home of around VND 6 billion, a buyer needs only about VND 600 million to own and hold the asset through the two-year construction period — before neighbouring sub-zones come into operation and amenities are completed.
Fast-Payment Option — 12% Discount
For buyers with strong cash flow who prefer not to borrow, early full payment earns a discount of up to 12% — the highest Ecopark has ever offered (previously typically 10%). On a VND 5.9 billion home, that discount can bring the effective value to around VND 5.4 billion — a meaningful advantage for cash buyers.
Loyalty Discount for Existing Ecopark Owners — 5%
To reward its loyal community, buyers who already own property within the Ecopark ecosystem — including Ecopark Hung Yen, Eco Central Park (Vinh) and Eco Retreat — receive an additional 5% discount at Rung Phuong. It is one reason Ecopark sub-zones tend to see a high rate of returning buyers.
Standard Payment Schedule — 20 Months
Alongside the discount options, buyers may choose a standard 20-month schedule from SPA signing. For example, if the SPA is signed around December 2026, adding 20 months reaches the handover date — roughly one year and eight months. This staged approach helps buyers balance cash flow evenly with construction progress.
Why This Policy Is Attractive
The core of the policy is that it lets buyers own an asset with a solid value foundation without tying up too much capital. In a cautious market, being able to hold a property for two years on a low initial outlay is a real advantage — especially when neighbouring sub-zones will hand over and bring amenities online within the same window, so Rung Phuong inherits an already-formed community and infrastructure.
Note: sales policies and discount tiers are adjusted by the developer from time to time and by inventory batch. The figures above are indicative as at the time of writing; for the latest policy and price list, please contact a Realtique advisor.
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Grace Le
Grace Le is a Branch Manager at Realtique with deep experience advising bilingual and overseas buyers.
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