By Lê Triều
Mortgage interest rates continue to play a decisive role in homebuying decisions. As borrowing costs remain relatively high, many buyers are becoming more cautious about taking on debt and are carefully assessing their financial capacity before purchasing a property.
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According to recent consumer surveys conducted by market research organizations, most prospective homebuyers are only willing to finance their purchase if mortgage interest rates remain below 9% per year.
Among respondents, the most preferred interest rate range is 5–7% annually, followed by 7–9% annually. As borrowing costs rise beyond these levels, buyers tend to become increasingly cautious, particularly those purchasing homes for their own use.
In addition to interest rates, many respondents indicated that they prefer their monthly mortgage payments, including both principal and interest, to account for only a reasonable portion of their household income in order to maintain long-term financial stability.
According to several recent market reports, mortgage rates at many financial institutions remain in the double-digit range after promotional periods end. As a result, a growing number of buyers are postponing their home purchase plans or reducing the amount they intend to borrow.
Market analysts believe that elevated financing costs are directly affecting housing demand, especially among buyers who rely heavily on mortgage financing.
Consequently, market activity has become increasingly concentrated in projects that offer clear legal status, reliable construction progress, and attractive financing support while meeting genuine housing demand.
Industry experts recommend that homebuyers develop a long-term financial plan rather than focusing solely on introductory interest rates.
A commonly suggested guideline is to keep monthly mortgage repayments within a manageable proportion of household income, helping borrowers cope with potential interest rate fluctuations over the life of the loan.
Building sufficient savings before purchasing a home can also reduce borrowing needs and improve long-term financial flexibility.
Many research organizations expect interest rates to remain relatively stable in the near term as demand for capital remains strong and inflation control continues to be a key economic priority.
Under these conditions, homebuyers are likely to prioritize safer purchasing decisions by focusing on projects with transparent legal documentation, reliable construction schedules, and genuine end-user value.
For developers, diversifying funding sources, reducing dependence on bank financing, and strengthening financial resilience are viewed as important strategies for adapting to evolving market conditions.
Note: This article summarizes market observations and expert opinions for informational purposes only. Mortgage interest rates, lending policies, and financing conditions may vary depending on individual financial institutions and prevailing economic conditions.
TBP Marketing