•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Mortgage loan rates in June 2026 remain elevated, leading many buyers to delay purchases. A survey by the One Mount Group’s Market Research and Insight Center indicates that the share of people planning to buy real estate fell by nearly 35% in the recent quarter among both those considering and those preparing to buy.
The “preparing to buy” group declined from 11% to 6%, while the “considering purchase” group fell from 44% to 30%. At the same time, the share of respondents with no intention to buy real estate rose from 13% to 39%, suggesting a temporary exit from the market rather than simple hesitation.
The time to transact has also increased. Only 17% of buyers plan to complete a purchase within the next 6 months. By contrast, the share planning to buy within two years rose from 57% to 69%.
One Mount Group says the main constraints on real estate cash flow are price levels and interest rates. It notes that house prices are rising faster than incomes, making affordability harder. At the same time, loan costs remain high and the economic outlook is volatile, contributing to caution among both actual buyers and investors.
Dr. Nguyen Tri Hieu, a financial and banking expert, links rate increases to funding mobilization pressure and liquidity balance in the system. He warns that if the trend continues, the real estate market could be harmed.
“Borrowers should pay special attention to interest rates after promotional periods and to adjustment margins. Do not only look at the initial 8-9% and overlook the risk of floating-rate increases,” he said.
Economist Can Van Luc argues that current rates are not too high compared with 2022–2023, when lending rates briefly exceeded 13–14% per year. However, he says that after a long period of economic difficulty, residents’ incomes have recovered slowly while living costs have risen, so rate hikes also create psychological pressure.
Experts recommend that buyers model cash flow for at least the next 3–5 years and prefer loans with longer fixed-rate periods. They also advise keeping the loan-to-value ratio below 50% of asset value and maintaining a financial cushion equal to 6–12 months of debt service.
