越南黄金投资与购房贷款税务影响分析指南

I regret borrowing $65,000 for a home instead of buying gold - VnExpress International The most read Vietnamese newspaper Follow us on Edition: International | Vietnamese Home News Politics Education Environment Traffic Crime Brainteaser Business DataSpeaks Property Billionaires Markets Companies Economy Money Quiz Tech Tech news Enterprises Personalities Vietnam innovation Challenge hub Travel Places Food Guide Visa Puzzle Life Trend Arts Celebrities Vogue Love Wellness Sports Football Boxing Marathon Tennis Golf Other sports Trivia World Perspectives Readers' Views VnE-GO Premium Contact Us © Copyright 1997 VnExpress.net. All rights reserved. Go Business DataSpeaks Property Billionaires Companies Markets Economy Money Quiz Copy link Most Read 1. Travelers stranded at Changi Airport with $12 and no way home after Middle East airspace shutdown 2. Gold prices drop 3. Vietnam tourism struggles to prevent overcharging of tourists 4. Which Asian university is the world’s second-best for computer science? 5. These are the world's top universities for computer science and how much they cost international students 6. Gold prices plunge 7. Vietnam PM orders emergency construction of HCMC-Long Thanh railway link 8. Ho Chi Minh City braces for 38 C heat, unseasonal rains in March 9. 5-star hotel in Dubai receives 1-star ratings after missile debris falls on facade 10. Middle East flight collapse leaves overseas Vietnamese with no way back to Europe after Tet I regret borrowing $65,000 for a home instead of buying gold By Man Tran &nbspMarch 4, 2026 | 01:44 am PT Some people regret not having invested in gold when prices were lower. Illustration photo by Pexels If I had not taken out a VND1.7 billion (US$65,000) loan and instead accumulated gold when prices were much lower, I might now be able to buy a house without any debt at all. I took out the loan to buy a house in Ho Chi Minh City three years ago while having only about 40% of the property’s value in hand. Back then, everyone around me urged me to go ahead, saying "real estate prices only go up," that I "can’t rent forever," and "it will be even harder to buy later."Their constant urging made me anxious. I was afraid of falling behind and that if housing prices kept rising, I would never be able to afford one. So I signed the bank loan contract and took on a debt that will last for decades.Over the past three years, I have lived with constant unease. As soon as my monthly salary comes in, paying the loan is my top priority. I would lose sleep every time the interest rates were hiked, resulting in higher monthly payments. I have grown used to saving even the smallest expenses and spending little on myself. My life has not truly felt peaceful, especially since having a child.What troubles me even more is that if I had not borrowed money and instead used my savings at the time to buy gold, things might be much different now.At that time, gold prices were only about VND70 million per tael (1 tael = 37.5 grams or 1.2 ounces). If I had bought gold and held it until now, when gold prices are around VND190 million per tael, the gains might have been enough for me to buy a home with far less borrowing, perhaps even without any loan at all.Every time I read news about gold prices hitting new peaks while the property market remains subdued, my heart sinks as I think of what could have been.I know that three years ago, no one could have known that gold prices would surge so quickly or that the economic and geopolitical environment would grow so complex. I also understand that my choice was driven by the wish for a stable place to live, not by the pursuit of profit.Still, there are nights when I lie awake wondering whether I rushed into the decision under the pressure to own a home as soon as possible. I paid more attention to other people’s advice than to my own ability to handle the financial strain.In truth, I have felt more financial pressure these past years than the sense of security that homeownership is supposed to bring. If I had not rushed, perhaps I would still be renting but living with peace of mind and without missing the opportunity to grow my assets.I wonder whether, in making major financial decisions like buying a home, we are sometimes so afraid of missing out that we forget to consider the weight we will have to carry afterward.*This opinion was submitted by a reader. Readers’ views are personal and do not necessarily match VnExpress’ viewpoints. Comments (0) Latest first | Highest rated Latest firstHighest rated View more 20/1000 Tắt chia sẻ Log out 0/1000