14/08/2026
Price and payment terms are the two most frequently asked questions by prospective Palm River buyers. This article summarizes the officially announced prices from the August 2026 launch and details the four available payment methods, helping you choose the one that best suits your cash flow. An important note upfront: all pricing and payment policies are subject to change depending on the sales phase. Therefore, please consider this as reference material and confirm the latest figures with us prior to placing a deposit. For a comprehensive project overview, please read our dedicated Palm River review covering pricing, amenities, and evaluation.
The short answer: Palm River prices start from 168 million VND per square meter (Net Salable Area - NSA). This price includes VAT and the sinking fund, with apartments handed over fully fitted (as announced at the August 2026 launch). This is the baseline price; corner units, high floors, and units with direct river views will command a premium. A refundable booking fee of 100 million VND is required to secure a unit.
There are three crucial details to understand regarding this figure:
The short answer: Palm River provides 4 payment methods tailored to different cash flow strategies: Accelerated (highest discount up to 13%), Bank Loan (financing up to 75%), Special (only 30% required until handover), and Standard (installments spread over 26 months, discount up to 11%). All options require signing the Sales and Purchase Agreement (SPA) at approximately 10%.
Summary table for easy comparison:
| Method | Core Structure | Key Advantage |
|---|---|---|
| Accelerated | 5% → 65% → 24-month grace period → 25% on handover → 5% on title deed | Highest discount, up to 13% for early payment |
| Bank Loan | Sign SPA at 10%, buyer pays approx. 10% total until handover | Bank finances up to 75%, interest subsidy for 24 months, principal grace period of 36–60 months |
| Special | 5% + 5% + 10% + 10% → 65% on handover → 5% on title deed | Only pay 30% until handover (0% due for 15 months), discount up to 6.5% |
| Standard | 5% × 4 installments + 10% (every 3 months) → 25% on handover → 5% on title deed | Evenly distributed cash flow over 26 months, discount up to 11% |
How to choose: If you are cash-rich and want to maximize savings, choose Accelerated. If you want to leverage bank financing, choose Bank Loan. If you want to retain your capital for as long as possible before handover, choose Special. If you prefer steady, manageable installments, choose Standard. There is no one-size-fits-all "best" method—it entirely depends on your financial situation.
The short answer: Under the Special method, buyers only need to pay approximately 30% of the apartment's value prior to handover, with the bulk (around 65%) due upon receiving the keys. This includes a 0% payment period lasting roughly 15 months. This is the most cash-flow-friendly option among the four.
This is a focal point for many investors, as it allows them to preserve the majority of their capital for an extended period. Specifically, under the Special method: after signing the SPA at the 10% mark, subsequent installments are stretched out, featuring a significant gap where no further payments are required until the major settlement at handover.
In exchange, each method carries a different discount rate—typically, methods requiring early capital injection offer higher discounts compared to those allowing deferred payments. Therefore, "paying the least before handover" and "getting the highest discount" are conflicting goals; your priority dictates your choice.
The short answer: Under the Bank Loan policy, partner banks offer financing up to 75% of the apartment value, accompanied by a 24-month interest subsidy and a principal grace period of 36–60 months. The buyer signs the SPA at 10% and self-funds a total of roughly 10% until handover; the remaining balance is disbursed by the bank.
It is important to interpret these figures correctly: "up to 75%" and a grace period of "36–60 months" are the maximum program limits. Actual approval rates and terms depend entirely on the specific bank and the individual client's credit profile. This should not be assumed as a guaranteed default for everyone.
Before selecting the Bank Loan option, you should clarify three things: the list of affiliated banks, the interest rate applicable after the subsidy period, and the conditions required to qualify for the principal grace period. We can provide the latest information on affiliated banks at the time of your purchase.
The short answer: During the launch phase, Palm River is offering Early Bird incentives totaling up to 2.0% for purchases made by August 31st, dropping to 1.5% in September. Additionally, there are bulk purchase discounts (ranging from 0.5% to 1.5% depending on volume) and Happy Surprise gifts. All promotions are subject to specific timeframes.
Details:
Because these incentive milestones are tied to specific dates and vary by sales phase, you must confirm that the programs are still active before placing a deposit.
The payment policy for Palm River is notably flexible. The most valuable aspect for buyers is the option to pay only 30% until handover, allowing funds to be utilized elsewhere during the construction period. For investors utilizing leverage, the extended principal grace period significantly alleviates financial pressure while the project is being built.
Our consistent advice to clients: The attractive figures presented on marketing slides represent the maximum available limits, not default guarantees. Discounts "up to", loans "up to 75%", and grace periods "up to 60 months" are all contingent on timing and individual credit profiles. Therefore, before committing to any payment method, request a specific calculation sheet for the exact unit you are choosing, at the exact time of your purchase.
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The Achieve Realty VN Team
