Updated: 01/10/2026
Masteri Cosmo Central sales policy & payment plan
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keeps the payment structure — the part usually carried over into new policies — and clearly marks the rates that are no longer valid.
Three steps to buy
- Registration of interest: sign the registration confirmation and pay a VND 100 million reservation.
- Agreement letter (VBTT): within 7 days, pay 10% of the price (less the reservation); further instalments before the SPA follow each zone’s schedule.
- SPA (sale and purchase agreement, HĐMB): signed once the developer is legally eligible to sell; pay 25% + a 5% security deposit.
Three payment options
| Option | How you pay | Discount (sales policy 08–09/2026) |
|---|---|---|
| Standard | 25% + 5% deposit on signing → 5–10% every 2–3 months (45% in total) → 25% + maintenance fee at handover → 5% on receiving the pink book | 7% |
| Early payment | 25% + 5% on signing → 70% within 30 days (Vietnamese buyers / resident foreigners); other foreigners pay 45% + 25% at handover | CT4 up to 14.5% · CT3 11% / 9% |
| Techcombank loan | 25% + 5% on signing → the bank disburses 70% within 30 days | 0% |
The policy expired on 30/09/2026. The payment schedule only takes effect once the developer is eligible to sign the SPA.
Techcombank loan support
- Loan of 70% of the price (including VAT).
- 0% interest until 6 months after the unit is ready for handover, with a cap date: CT4 until 28/03/2029, CT3 until 31/10/2028.
- Principal grace period of up to 24 months after the interest support ends; 0% early-repayment fee during the support period.
- After the support period: interest capped at 7.5% p.a. for 24 months (the developer covers any excess).
- Not available to foreign individuals or organisations.
Additional incentives (expired 30/09/2026)
- 24 months of management fees covered from the handover notice.
- For buyers paying with their own funds: 1% discount for new buyers, 2% for Masterise Homes residents and their relatives.
- Up to 0.35% discount for signing an agreement to waive the bank guarantee certificate.
- 9% p.a. interest on the 5% security deposit (not available to foreigners).
- Vu Lan gift of 3 chỉ of gold (VND 45,000,000) deducted from the price — a seasonal programme.
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 phases; message Happy Land for the version currently in effect.
How long does the standard payment plan run?
From SPA signing to handover (expected 2028), with an instalment of 5–10% every 2–3 months; the remaining 25% plus the maintenance fee at handover, and the final 5% on receiving the pink book (ownership certificate).
Can foreigners get a loan?
The Techcombank loan package in the policy is not available to foreign individuals or organisations.
What is the 5% security deposit?
An extra 5% paid on signing the SPA, which is offset against the final instalment when the pink book is issued; under the 08–09/2026 policy, the developer pays 9% p.a. interest on it to Vietnamese buyers.