MAIA Resort Ho Tram sales policy: Which payment plan fits your cash flow?

When buying resort real estate, buyers should not look only at the total property price. It is also important to consider how much money is needed at the beginning, how payments are spread over the following years, and what discount may apply when paying earlier.

According to the MAIA Resort Ho Tram payment schedule updated in July 2026, buyers can choose between a standard payment plan and three faster payment options: 10%, 30% and 50%.

What payment options are available at MAIA Resort Ho Tram?

There are four payment options under the provided policy:

• Standard payment: no early-payment discount.
• Fast payment 10%: estimated 1% discount.
• Fast payment 30%: estimated 3% discount.
• Fast payment 50%: estimated 5% discount.

In general, paying more at the beginning comes with a higher estimated discount. However, buyers should also consider how much cash they want to keep available for other needs.

How much money is needed at the beginning?

The non-refundable deposit is different for each property type:

• Condotel: VND 50 million per unit.
• Villa: VND 200 million per unit.

For the first payment and signing of the Sale and Purchase Agreement in July 2026, the required payment depends on the selected plan.

The standard plan starts at 5%. The fast-payment options require 10%, 30% or 50%.

This creates a clear difference in the amount of capital needed at the beginning. A buyer choosing the standard plan can start with a smaller amount, while a buyer choosing the 50% plan needs to prepare a much larger amount immediately.

The actual amount in VND should be calculated based on the total value of the selected property.

Standard payment: spreading cash flow until 2029

The standard plan may suit buyers who do not want to put a large amount of money into the property at the beginning.

It starts with a 5% payment. Further 5% payments are scheduled on September 5 and November 5, 2026, followed by payments in January, March, May, July, September and November 2027.

Another payment milestone comes in December 2027 when the handover notice is issued, according to the provided schedule.

In 2028, buyers pay a total of 20%, divided into installments during the year. In 2029, another 25% is paid in installments.

The final 5% is payable when there is a notice on the issuance of the Ownership Certificate.

The main benefit of this plan is that buyers can spread their cash flow over several years. However, they also need to make sure they can maintain the required payments through 2028 and 2029.

What is the difference between the 10%, 30% and 50% fast-payment plans?

The 10% plan comes with an estimated 1% discount. The 30% plan increases the estimated discount to 3%, while the 50% plan offers an estimated 5% discount.

For buyers with available cash, the 30% or 50% options may be worth considering. However, a higher discount does not automatically mean a better choice.

Buyers should compare the additional discount with the amount of money that must be paid earlier. Keeping enough cash for other financial needs is also important.

Which payment plan may fit different buyers?

Buyers who want to reduce the initial financial pressure may consider the standard payment plan.

Those who have available funds but still want to keep part of their cash may compare the 10% and 30% fast-payment options.

Buyers with stronger available capital who prefer a higher estimated discount may consider the 50% option.

The key point is to look at the full payment schedule through 2029, rather than only the first payment.

What should buyers check before choosing a payment plan?

The 1%, 3% and 5% discounts stated in the document are estimated discounts and should not be treated as guaranteed amounts without checking the applicable conditions.

Condotel and Villa also have different non-refundable deposits. Buyers should calculate all payment percentages based on the actual value of their selected property and prepare for payments in both 2028 and 2029.

The final 5% is linked to the notice on the issuance of the Ownership Certificate.

Overall, the MAIA Resort Ho Tram sales policy provides different ways to manage cash flow, from the standard plan to the 50% fast-payment option. The right choice is not necessarily the plan with the highest discount, but the one that best matches the buyer’s available capital and long-term cash flow.

Policy information is based on the provided document updated from July 2026 and may change depending on the policy applicable at each period.