Grand Marina Saigon Payment Schedule: 25/75 and 30/70 Plans

One of the first questions buyers ask about the Marriott & JW Marriott branded residences at Grand Marina Saigon is simple: "What schedule do I pay on, how much per installment, and when is each due?" This article explains the mechanics of the staged payment schedule on the two common plans — 25/75 and 30/70 — so you can plan your cash flow with confidence. The focus here is on how installments are split and timed, not on bank loans or fast-payment discounts (each has its own article).

How does the Grand Marina payment schedule work?

A payment schedule splits the total unit price into several smaller installments paid over time against milestones, rather than in a single lump sum.

Instead of preparing the full amount up front, you pay in "stages." The two numbers in a plan's name — for example "25/75" — describe the split: the first portion (25%) is paid gradually before handover, and the larger remainder (75%) falls at or near the moment you take possession. With "30/70" you pay 30% in stages first and 70% at handover. Because all four towers — Lake, Lagoon, Cove and Sea — have already been handed over (2023), these staged plans apply mainly to remaining primary-market transactions; resale units follow a different payment mechanism.

How do the 25/75 and 30/70 plans differ?

Both plans break the price into installments; the key difference is how much you pay before handover (25% vs 30%) and therefore how much lands on the handover installment.

The table below is illustrative, to help you picture how installments are structured. Actual percentages and milestones change with each sales phase and with your specific contract — please confirm via Zalo before doing any calculations.

Treat this purely as an example of the mechanism; the exact figures for each stage sit in your contract's payment appendix. The takeaway: under 25/75 you pay less early on but the handover installment is heavier, while 30/70 is slightly more balanced between the two phases.

Booking deposit and signing the SPA: the first two milestones

Every payment plan begins with a booking deposit, followed by Stage 1, which is paid when you sign the sale & purchase contract (SPA).

The deposit reserves the unit and is usually credited toward the unit price when you move on to sign the SPA. To understand the reservation process, the deposit amount and refund conditions, see Grand Marina Booking Deposit: Reservation & Refund. Once the SPA is signed, the first installment (typically around 10–15% depending on the plan) is paid, and from there the remaining stages follow the milestones agreed in your contract.

If you'd like someone to work out the per-installment amounts for a specific unit, just send a message.

How much do the middle stages and handover account for?

Most of the unit value lands on the handover installment (roughly 65–70%), while the middle stages are only small portions paid against milestones.

During the middle phase you pay smaller installments spread out until close to handover. At the handover installment — when the project invites you to take the unit — you pay the largest amount, settling the bulk of your obligation. Note the fees that sit alongside the unit price:

• VAT 10% on the unit value.
• Maintenance fee 2% (one-off).
• Management fee ~USD 8–9/m²/month (subsidized by the developer for the first 3 years).
• Registration fee 0.5% at title processing.

These fees are not part of the "unit price"; they arise around handover and title issuance, so add them to your cash-flow plan. Units are delivered to Marriott standard (fully fitted, with Poggenpohl/Boffi kitchens, Miele/Gaggenau appliances and Daikin VRV air-conditioning), so you receive a move-in-ready home once the handover installment is complete.

How does the staged plan differ from fast payment?

The 25/75 and 30/70 plans let you spread payments over time, while the fast-payment route trades early payment for a discount.

The two approaches serve different needs. If you prioritize keeping cash flexible, a staged plan eases the pressure; if you have funds ready and want to optimize cost, fast payment may suit you better. You can compare in Grand Marina Fast-Payment Discount up to 8-12%. Payment terms also differ between buying primary and buying resale — the details are in Grand Marina Primary vs Resale: Cost Comparison.

Which plan should you choose? A few general considerations

There is no single "best" plan for everyone — the right choice depends on your cash flow, investment goals and financing approach.

A few general considerations (not individualized advice):

• Do you need to keep funds free for other uses in the short term? A spread-out plan lowers the early burden.
• Do you plan to take a bank loan? The before/after split affects when disbursement happens.
• Are you buying to live in or to rent out? Different goals lead to different cash-flow math.

Because Grand Marina is a set of What are branded residences? — apartments operated by Marriott — both value and cost of ownership tend to run higher than a standard apartment; as a market reference, Knight Frank and Savills noted (2023–2024) that branded residences are typically priced 25–35% above comparable non-branded products. This is a market reference, not a promise; actual results depend on the project, timing and policy. You should read the payment appendix in the contract carefully and cross-check the latest figures on the Pricing & payment page before deciding.

Want help comparing the two plans against your own situation?

Frequently asked questions about the payment schedule

Here are the most common questions about how installments are split and timed at Grand Marina.

• Are the 25/75 and 30/70 figures fixed? No — they are an illustrative framework; the ratios and number of stages change with each sales phase and your specific contract.
• Which installment is heaviest? Usually the handover installment, at roughly 65–70% of the unit value.
• Are VAT, maintenance and management fees included in the "unit price"? No — these are separate items to add to your plan.
• Where do I see the exact schedule? In the SPA's payment appendix; you can also request an illustrative breakdown via Zalo before signing.

Every figure in this article is indicative and may change per the developer's official announcements. Confirm the schedule and per-installment amounts against the latest documents before planning your finances.