Updated: 01/10/2026
Lumière Midtown sales policy
The most recent policy in the developer’s documents applied from 01/08 to 30/09/2026 and has expired. This page keeps the payment structure — the part usually carried over into new policies — and clearly marks the rates that are no longer valid.
Steps to buy a standard apartment
- Pay a VND 100 million deposit.
- Within 7 days: sign the SPA (sale and purchase agreement) with the developer, pay 10% (including VAT) and pay a further 5% of the price (excluding VAT) under the security deposit agreement for performance of the SPA.
- The developer pays 9% p.a. interest on the 5% and offsets it against the final instalment when the ownership certificate is issued (the interest does not apply to foreigners).
- Final instalments: paid on the handover notice and when the ownership certificate is issued.
Options under the 01/08–30/09/2026 sales policy
| Option | How you pay | Discount |
|---|---|---|
| Standard payment | After 10% + 5%: 15% (30/09/2026) → 15% (20/11/2026) → 10% (20/12/2026) → 10% (20/03/2027) → 10% (20/06/2027) → 25% + maintenance fee + remaining VAT at handover | 10% |
| Early payment | 10% + 5% → 15% → 70% → maintenance fee and remaining VAT at handover. Non-resident foreigners: instalment 3 is 45%, 25% at handover | 15% (Vietnamese buyers, resident foreigners) · 12% (other foreigners) |
| 80% loan (Vietnamese buyers) | 0% interest until 5 months after the unit is ready for handover or 29/02/2028 (whichever comes first); then capped at 7.5% p.a. for 24 months; 0% early-repayment fee until 29/02/2028 | 0% |
The policy expired on 30/09/2026. Rates and dates are shown only as a reference for the structure.
Additional incentives (expired 30/09/2026)
- Paying early from own funds from 7 days: a discount equivalent to 9% p.a.
- Financing for Vietnamese buyers: outstanding loan of up to 70% of the price, 7.5% interest commitment for 24 months, 6-month interest grace and 24-month principal grace (disbursed before 30/09/2026).
- 24 months of management fees covered; 0.35% discount for waiving the bank guarantee certificate.
- Vu Lan gift of 6 chỉ of gold (VND 90 million) deducted from the price — a seasonal programme.
Special units (Penthouse · Duplex)
- Method under this policy: take over an investor-held SPA; VND 500 million deposit.
- Early payment: deposit → 10% → 10% → 100% within 30 days and sign the transfer agreement (HĐCN) → maintenance fee at handover; 12% discount (expired sales policy).
- 70% loan (Vietnamese buyers): 0% interest until 5 months after handover or 28/02/2028 (whichever comes first), then capped at 7.5% p.a. for 24 months.
- Expired incentives: 36 months of management fees covered, VND 1 billion deducted for the interior package; when paying from own funds, a 1% discount for new buyers or 2% for Masterise Homes residents and their parents, spouses and children.
Partner bank Techcombank
- Loans of 70–80% of the apartment value, terms of up to 35 years, principal grace of 24–60 months.
- Reference fixed rates for early / standard payment buyers: 6.2% (12 months), 6.6% (18 months), 6.75% (24 months) — the offer letter is undated, so please check again.
- After the incentive period: floating rate = long-term base rate + 3.5%; early-repayment fee 1.5% in years 1–5, free from year 6.
Get the current policy
The current policy and a cash-flow schedule for the unit you choose — Happy Land sends them on WhatsApp or Zalo, free of charge.
Frequently asked questions
What is the current sales policy?
The 01/08–30/09/2026 sales policy has expired. New policies are announced by the developer in rounds; message Happy Land for the version currently in effect.
What is the 5% security deposit?
5% of the price (excluding VAT) paid on signing the SPA; the developer pays 9% p.a. interest on it (Vietnamese buyers) and offsets it against the instalment due when the ownership certificate is issued.
Can foreigners get a loan?
The interest-support loan packages in the policy apply to Vietnamese buyers only.
How long does the standard payment plan run?
Under the expired policy: a further 60% from SPA signing to 06/2027, with the remaining 25% plus the maintenance fee at handover (expected 2027).