Having more than 3 billion VND deposited in the bank, Mr. Nguyen Nam in Cau Giay (Hanoi) wants to withdraw it to invest in real estate. In which, land, auctioned land or apartments are the segments he is researching.

Mr. Nam believes that land prices tend to increase over time, so it is difficult to lose money. Therefore, he plans to invest in a piece of land with the available money.

However, since the beginning of the year, many provinces near Hanoi such as Hung Yen, Bac Ninh, Nam Dinh... or some districts in Hanoi have many auctioned land lots, Mr. Nam also plans to submit an application to buy a lot that fits his available finances. With more than 3 billion VND, sometimes he thinks about buying an apartment in Hanoi and renting it out.

"Because I have no investment experience, I don't know whether to choose land, apartments or auctioned land to have less risk and make a profit in the future," Nam shared.

In response to investors' concerns, sharing with VietNamNet reporter, Mr. Nguyen Anh Que, Chairman of G6 Group analyzed that auctioned land is a special real estate segment with good legal status, beautiful infrastructure and reasonable prices, so it has long attracted investors.

However, buying land at auction is very easy to encounter the phenomenon of fomo (crowd psychology), buying at a price higher than the market price.

Therefore, according to Mr. Que, investors participating in the auction of this type of real estate need to carefully consult the market price, should use idle capital, understand the planning and accept medium and long-term investment if the assessment is good. At the same time, they need to be mentally stable to avoid fomo, losing deposits or suffering bitter consequences; even involving the law.

For apartments, the average price of commercial apartments in Hanoi for sale is currently around 65-85 million VND/m2, with some projects priced at 100-200 million VND/m2. With this selling price, almost only home buyers are interested because buying for investment purposes will take 30-50 years to recover the capital, and this price is also beyond the income of the people.

Along with that, according to the leader of G6 Group, the supply of social housing in Hanoi from 2025 to 2030 will be very large. Currently, there are about 14 large-scale projects selecting investors, 67 projects are being implemented and there are 83 clean plots of land with completed infrastructure belonging to the 20% land fund for social housing. Notably, in 2025, Hanoi will open for sale more than 6,000 social housing units.

This will affect the price of apartments in the future, as well as liquidity. When many people can buy houses, it will also affect the demand for rental houses and rental prices.

Hanoi real estate prices have increased sharply in recent times, with apartments increasing by 50-200%, houses and land increasing by 20-50%. Meanwhile, real estate on the outskirts of Hanoi such as Hung Yen, Bac Ninh, and Ha Nam has also increased by 10-50% in recent times, so it will no longer be attractive. Currently, the cash flow is moving south to Ho Chi Minh City, Phu Quoc, Da Nang, etc. In 2025, investors may be interested in the land segment or multi-purpose agricultural land," said Mr. Que.

Meanwhile, Mr. Le Dinh Chung, General Director of SGO Homes Real Estate Investment and Development Joint Stock Company, analyzed that with the strong urbanization rate, the demand in localities will be high, so investing to increase capital gains, buying land is still good and safe.

According to him, with 3-4 billion VND, it is possible to invest in land around Hanoi, economic axes associated with industrial parks such as Bac Ninh, Bac Giang or Hung Yen, Hai Duong, Hai Phong, Quang Ninh...

However, the General Director of SGO Homes noted that when buying land, investors need to pay attention to projects that meet legal conditions, at least signing a sales contract or having a red book. At the same time, it is necessary to consider the investor's capacity; choose locations that meet the needs and attract people to live there in the future.

As for auctioned land, according to Mr. Chung, most auctions are currently conducted at high prices based on psychology and the hope of selling for a few hundred million dong more. In terms of investment, this method will not be effective.

“This type of land can only be invested in the short term, when the market is “hot”, then “surfing”; long-term investment, especially at this time, will not be as profitable as investing in project land,” said Mr. Chung.