Natural green spaces are always the desire of many families In the past few years, the high rate of urbanization has made the living environment in big cities like Hanoi and Ho Chi Minh City stifling. People are often confined in an “industrial” space with concrete, glass doors and especially smoke and waste from vehicles. A green space with fresh air has become the desire of many people. In particular, the fact that families spend time every weekend to participate in resort and fun activities outside the city has become a habit. Or as with families with good economic conditions, choosing an apartment that is close to nature, in harmony with nature has become a top priority, even though the location of the apartment may be far from the center or the cost. expensive. According to Stanford University research, walking in nature instead of an urban environment helps reduce anxiety, stress and negative influences, while enhancing cognitive ability and improving work performance. Living space close to nature also plays an important role as a connection between people and people. All the above factors make modern residents want to find green living trends to balance and enjoy life. Around the world, the trend of bringing nature into your own living space has become very close and popular, such as in Copenhagen (Denmark), Ho Chi Minh City. Reykjavik (Iceland), City. Malmo (Sweden), Vancouver (Canada), Ecuador, Sydney (Australia), Colombia, Curitiba (Brazil), England…. In Asia, Singapore is one of the leading countries in urban green space design. The “Lion Island” is overwhelmed by the harmonious alternation between high-rise buildings and the proportion of trees. In Australia, two cities. Sydney and Melbourne have applied the form of greening roofs in shopping centers to attract visitors while improving the environment for residents and workers. The city government encourages residents to plant trees on the roof and turn office walls into green walls. The form of planting trees on the roof is also very diverse, from small and simple Styrofoam boxes to a garden with an area of ​​​​up to 2,600m2 on the roof of Mcentral building, Harris Street, Pyrmont area, City. Sydney… D’. El Dorado is one of the rare projects that owns a large natural green space Meanwhile in Vietnam, taking advantage of green spaces from nature is still a rarity for real estate projects. The narrow land fund and high population density have pushed apartment buildings to become more secret than ever. In the context that modern customers are more and more concerned about the quality of the living environment, forcing investors to build more artificial green spaces in the project site and make the most of natural green spaces. provided by the surrounding environment. That explains why project D’. El Dorado II of investor Tan Hoang Minh has become the first choice of customers who love green life. Located in a prime location right next to West Lake – the natural “green lung” of Hanoi capital, D’. El Dorado II owns a truly natural fresh living environment with more than 500ha of West Lake water surface and a system of green trees running along the lake. Besides, with a unique location, residents at D’. El Dorado II also enjoys the cool breeze blowing from the romantic Red River. According to many scientific studies, the lake not only helps purify the air, but also reduces the ambient temperature by 2-4 degrees Celsius in the summer, increases humidity by 5-12% and reduces 2-4 .5% of solar radiation, while enhancing the circulation of cool and hot air flows between adjacent areas of the city. In particular, not only purifying the air to help people stay healthy and full of energy, but the lake also contributes to the joy of life, helps circulate energy, relieves stress, helps to refresh the spirit, and relieves stress. relieve anxiety, increase resistance. The large balcony has a panoramic view of West Lake and helps make the most of the fresh air Understanding the preeminent advantages of the project with large natural spaces, in each apartment, Tan Hoang Minh Group did not hesitate to invest in a system of large glass doors and balconies to maximize the space. green, natural light and fresh air of this place. With a prime location to make the most of the natural green areas, sophisticated architecture and a diverse system of internal utilities, project D’. El Dorado II will surely satisfy customers who are looking forward to a green life in harmony with nature.

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As VnEconomy reportedAccording to the latest figures from the State Bank, in the first quarter of 2021, real estate credit has reached 1.85 million billion dong, up 3%. So this number has fully reflected and is the main reason why the real estate market is so hot today?

During the past 3 years, real estate investment credit has always been closely cared and controlled by the State Bank. Therefore, credit growth in this area tends to decrease. In 2020 alone, it will increase by only 11.89%, while the previous two years 2018 and 2019 will increase from 26-28%.

According to the operator’s representative, at the end of 2020 and the first quarter of 2021, real estate credit tends to inch up a bit. However, the growth rate is only equivalent to the overall credit growth of the whole country of 2.93%.

Credit for life has also reached nearly 1.87 million billion, up 1.2% compared to the beginning of the year. In particular, although it is difficult, it is also necessary to evaluate how much consumer credit is poured into real estate.

At the same time, compared to the same period in 2020 when the epidemic causes the real estate credit rate to increase by 1.84%, the above rate may be higher. But compared with the time of the first quarter of 2019 was 5.19% and the previous years, this rate is not higher, even much lower.

If you look at the above statistics, it can be seen that real estate credit is not the main cause of the current “land fever”.

However, when VnEconomy exchanged with an economist, he said that the above figure could not fully assess the credit flow flowing into real estate. Because, credit for life has also reached nearly 1.87 million billion, or 1.2% increase compared to the beginning of the year. In particular, although it is difficult, it is necessary to evaluate how much consumer credit is poured into real estate.

“When surveying a few projects that are selling land plots in the outskirts of Hanoi, I find that the buyers are mainly speculators, they not only buy 1 or 2 plots, but buy the whole range. In addition to existing out-of-pocket money, capital from the bank is indispensable. It is worth mentioning that they are allowed to borrow capital in the form of consumption, but with the amount of up to tens of billion dong, ”said the expert.

Besides, he also said that the real estate market is welcoming many new “players”. They are inherently participating in other industries, but due to the Covid-19 translation, their production and business have stalled. While real estate profit margin skyrocketed, so decided to change direction. In fact, just go online to search for the phrase “encroach on real estate” to be able to identify these new “players”.

“The capital accumulated for many years has been converted to real estate, while the capital for business operations is borrowed from the bank. Thus, this credit flow will be listed on production and business activities, not on real estate. The statistic is just the tip of the iceberg, ”said the expert.

The State Bank is asking credit institutions to inspect and strengthen supervision of regulations on real estate lending conditions, to ensure compliance with regulations, while being able to manage cash flow when loan.

That is an expert opinion, but on the part of the State Bank, Deputy Governor Dao Minh Tu said there are many reasons for the real estate market to overheat in recent years, such as rumors about planning information, the supply is limited while the demand is great, the land price list increases …

In addition, Mr. Tu also noted that real estate loans have two subjects, one is lending to the low-cost housing market segments, social houses or real estate with the nature of consumption. it is still guaranteed to serve the people well.

Second, real estate projects and high-end segments such as villas, resorts … with poor liquidity in the future will be revalued and strictly controlled.

“Real estate credit status higher than overall credit growth only appears in a few credit institutions and mainly focuses on the first object,” said the Deputy Governor.

Over the past years, the State Bank has consistently maintained its management target and has taken many measures to control credit in potentially risky areas, including real estate. For example, the system is implementing a regulation on short-term deposits for medium and long-term loans at 40% and that these loans must apply a risk factor of about 200%.

At the same time, the Deputy Governor also said that the State Bank is asking credit institutions to inspect and strengthen supervision of regulations on real estate lending conditions, to ensure compliance with regulations, in parallel. with that is managing cash flow when lending.

“The most important goal of 2021 when setting a credit growth target of 12% is to focus on the priority and necessary areas. Focusing on key works and projects of the State, as well as prioritizing certain economic sectors, such as exports to support economic growth rates according to the goals set by the National Assembly. Therefore, real estate credit will be tightly controlled and cannot increase hotly ”, Mr. Tu emphasized.