MeyPearl Harmony Payment Schedule You Need To Know
As planned, to own a 5-star standard MeyPearl Harmony apartment with a long-term pink book title, buyers only need a capital of around VND 1.8 billion (approximately VND 60–85 million/m²)
Table of Contents
Reservation & Pre-Sales Deposit
Stage | Date | Payment Ratio | Notes |
|---|---|---|---|
Reservation | — | VND 50 million | |
1st Payment | Sign VBTT | 5% (incl. VAT & deposit) | Within 10 days from reservation date |
2nd Payment | — | 5% (incl. VAT) | Within 30 days from 1st payment |
3rd Payment | — | 5% (incl. VAT) | Within 120 days from 2nd payment |
Sales & Purchase Agreement (SPA)
| Stage | Estimated Date | Payment Ratio | Notes |
|---|---|---|---|
| 1st Payment | Sign SPA (30/11/2024) | 20% (incl. VAT & previous VBTT) | |
| 2nd Payment | 30/03/2025 | 5% (incl. VAT) | |
| 3rd Payment | 30/06/2025 | 5% (incl. VAT) | |
| 4th Payment | 30/09/2025 | 5% (incl. VAT) | |
| 5th Payment | 30/12/2025 | 5% (incl. VAT) | |
| 6th Payment | 30/03/2026 | 5% (incl. VAT) | |
| 7th Payment | 30/06/2026 | 5% (incl. VAT) | |
| 8th Payment | 30/09/2026 | 5% (incl. VAT) | |
| 9th Payment | 30/12/2026 | 5% (incl. VAT) | |
| 10th Payment | 30/03/2027 | 5% (incl. VAT) | |
| 11th Payment | 30/06/2027 | 5% (incl. VAT) | |
| 12th Payment | Handover (30/11/2027 est.) | 25% (incl. VAT) + 100% of KPBT | When developer issues handover notice |
| 13th Payment | Ownership Cert. (GCN) | 5% | Within 10 days of ownership certificate issuance by developer |
| Total | — | 100% |
MeyPearl Harmony Payment Schedule - With Bank Loan
Pre-Sales Agreement
| Stage | Date | Buyer’s Payment Ratio | Notes |
|---|---|---|---|
| Reservation | — | VND 50 million | |
| 1st Payment | Sign Pre-Sales Agreement | 5% (incl. VAT & deposit) | Within 10 days from reservation |
| 2nd Payment | — | 5% (incl. VAT) | Within 30 days from 1st payment |
| 3rd Payment | — | 5% (incl. VAT) | Within 120 days from 2nd payment |
Sales & Purchase Agreement (SPA)
| Stage | Estimated Date | Buyer’s Payment Ratio | Bank’s Payment Ratio | Notes |
|---|---|---|---|---|
| 1st Payment | Sign SPA (30/11/2024) | 15% (incl. VAT & previous Pre-Sales Agreement ) | 55% (incl. VAT) | |
| 2nd Payment | 30 days from 1st Payment | — | — | |
| 3rd Payment | 30/11/2027 | 15% (incl. VAT) + 100% of Supplementary Payment | 10% (incl. VAT) | Upon handover notice from developer (est. 30/11/2027) |
| 4th Payment | Certificate Issuance | 5% | — | Within 10 days from ownership certificate notice |
| Total | — | 30% | 70% |
Loan Terms & Interest Support
| No. | Description | Details |
|---|---|---|
| 1 | Lending Bank | Bank appointed by the Developer. Policies vary by bank. |
| 2 | Loan Term | Up to 35 years |
| 3 | Loan Amount | Up to 70% of property value |
| 4 | Interest Rate Support Program Limit | Up to 70% of property value |
| 5 | Interest Rate Support Program & Grace Period Duration (from 1st disbursement) | Option 1: Up to 24 months, but no later than Feb 28, 2027 Option 2: Up to 36 months, but no later than Feb 28, 2028 |
| 6 | During Interest Rate Support Program Period | 0% |
| 7 | Early Repayment Fee | Free during Interest Rate Support Program support period |
| 8 | Interest Rate After Interest Rate Support Program Period | According to bank regulations |
MeyPearl Harmony Sale Incentive Policies
| No. | Incentive Program | Program Details |
|---|---|---|
| 1 | Interior Completion Package | Customers will receive a gift package for kitchen and wardrobe interior completion (See attached detailed list). |
| 2 | Loyalty Incentive / Incentive for Kien Giang ID Holders | 1% discount off the property price. Applicable for buyers who are current owners or whose spouses/children/parents/siblings own property in Meyhomes Capital Phu Quoc, or buyers with household registration in Kien Giang. |
| 3 | Early Payment Incentive | Customers who pay early with personal capital (excluding bank loans) will receive an 8%/year interest incentive on the prepaid amount and duration, provided payment is made at least 10 days before the scheduled installment date and at least 50 days ahead of the due date. For individual customers, this incentive will be paid after deduction of personal income tax by the Developer. |
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