National Assembly Deputy Nguyễn Việt Hà: Homebuyers Must Not Lose the Protection of Bank Guarantees

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• Proposal to withhold 5% of bank-held home purchase payments until buyers get red books before paying developers

  Justice Minister Hoàng Thanh Tùng presented to the National Assembly on October 22 a draft amended Law on Real Estate Business with 10 chapters and 61 articles. Under the draft, developers could not collect more than 95% of contract value until buyers receive land-use right and property ownership certificates, and the remaining 5% would sit in an account at a credit institution, going to the developer only after certification or once the buyer agrees to handle the procedures; buyers would keep any interest earned. The draft would also let provincial People's Committee chairs approve transfers of all or part of projects that the Prime Minister approved in principle. The Economic and Financial Committee asked that the law set principles for managing the 5% and handling risks, and clarify the “voluntary” element.

  CafeF·22/10, 05:36• VNINDEXreal estateregulationhousing
• Amended Law on Real Estate Business: Seven business conditions and four administrative procedures cut

  The draft amended Law on Real Estate Business submitted to the National Assembly proposes cutting 4 of 12 administrative procedures and 7 business investment conditions. The draft has 10 chapters and 61 articles, 22 fewer than the 2023 law, and adds a real estate transaction framework and a mechanism placing the remaining 5% of future-property contract value in a blocked account or as agreed by the parties. It also expands the types of transferable contracts and lets provincial People's Committees approve transfers of whole or part of projects. The Committee for Economic and Financial Affairs supports the amendment but asks for refinements, including rules for managing the 5% sum and handling risks, clarification of the “voluntary” element in buyer-led certificate applications, and consideration of project transfers when developers lack capacity.

  CafeF·22/10, 04:55▲ DXG▲ DIG▲ DXS▲ KDHreal estateregulationVietnam
• Proposal to let off-plan home buyers earn interest on final 5% payment

  The government proposes moving the final 5% payment for future-formed homes into a guarantee account, with buyers entitled to any interest it earns. Under the draft amended Law on Real Estate Business submitted to the National Assembly on 22/10, the first instalment may be up to 30% of contract value, and sellers may not collect more than 95% until buyers receive their land-title certificate. The 5% is released to the developer only after buyers receive that certificate. The draft also allows homes other than apartments to be sold earlier once construction has begun and land and building papers are in place. The Committee for Economic and Financial Affairs asks for rules on managing the 5% and handling risks, clarification of the “voluntary” element, and a distinction between deposits and fundraising.

  VnExpress·22/10, 04:53▼ DIG▼ DXG▼ NLG▼ PDRreal estatehousingVietnam
• Paid 95% for a social housing unit: can it be sub-leased?

  Mr. Bùi Văn Nam signed to buy a social housing apartment, has paid 95% of the contract value, and is awaiting the certificate before paying the remaining 5%. He asks whether he may let someone else rent the unit. The Ministry of Construction explains that social housing is State-supported housing, and under Decree 16/2022/NĐ-CP, buyers who sell, sub-lease or resell it improperly face fines of VND 100,000,000 to 120,000,000 and recovery of the housing. Under Decree 100/2024/NĐ-CP, provincial authorities must closely manage and monitor sales, leases and lease-purchases of social housing. The ministry advises him to study and comply with the regulations.

  CafeF·17/10, 02:04housingreal estateregulation
• Four in five Australians support rent caps as median prices hit record highs

  A survey for The Australia Institute found four in five Australians support freezing or capping rents, with 61 per cent backing more government help for renters and only 8 per cent wanting less. Support was highest among Gen Z at 76 per cent and the Silent Generation at 72 per cent, and 93 per cent of the Silent Generation agree governments should spend more building public housing. Realestate.com.au data show median national rents hit a record $675 a week, with renters now paying $1,820 more this year than last. Everybody's Home spokesperson Maiy Azize urged the federal government to work with states and territories on nationally consistent rules limiting rent rises and to build more public and community housing.

  realestate.com.au·15/10, 20:15housingAustraliareal estate
• Deputy proposes letting developers collect property deposits earlier

  Deputy Bùi Xuân Hải proposed letting developers collect the 5% deposit on future real estate earlier, once basic legal steps are complete, including investment policy approval, 1/500 detailed planning approval and a construction permit, rather than waiting until construction starts. He suggested holding the deposits in a blocked bank account to protect buyers and called for tight control of cash flows among affiliated companies. The Banking Association and Vingroup also proposed earlier deposit collection, while deputy Phạm Hùng Hưng called for mandatory notarization of these deposit contracts to prevent one unit being sold to several buyers or deposits being misappropriated.

  VnExpress·22/10, 08:16real estateregulationVietnam

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• Jobless claims near the lowest since the 1960s as low-fire trend continues

  Employers are holding on to workers even as hiring stays weak, pushing seasonally adjusted initial jobless claims to 194,000 for the week ending Oct. 17, close to the 189,000 reported for the week of July 18, which was the lowest since the late 1960s. Claims have averaged 212,000 over the past year, and the four-week moving average has fallen to 197,750. The labor market backdrop remains uncertain: nonfarm payrolls rose only 29,000 in September and have averaged 69,000 a month in 2026, while the unemployment rate rose to 4.2%, largely due to a sharp jump in labor force participation. Layoffs remain modest, falling by 61,000 in August, and the layoff rate fell to 1% over the prior 12 months. Ahead of the Federal Reserve's decision next week, policymakers describe the labor market as generally strong and are focused on inflation, which remains well above the 2% target; markets expect the Fed to hold in October and then raise rates by a quarter point in December.

  CNBC·22/10, 13:21▲ DXY▼ XAU/USD• SPYunemploymentFedinflation
• Temporary Delays in siRNA Manufacturing Mask Codexis' (CDXS) High-Option Value

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  Yahoo Finance·22/10, 13:12CDXShealthcarepharmaceuticals
• Evaluating CareCloud's (CCLD) Short-Term Integration Friction vs. Long-Term Margin Expansion

  On October 21, 2026, CareCloud (NASDAQ:CCLD), a healthcare IT company providing billing, medical-records and AI software, closed at $1.77 with a $75.21 million market cap, down 39.38% year to date. In its Q3 2026 investor letter, White Brook Capital said the market's frustration stems from declining profits as the company integrates acquisitions. Second-quarter revenue grew 16%, but net income fell to just $1.1 million due to merger costs, heavier AI spending and interest on new debt, and a March cyberattack added to the strain; management expects insurance to cover the costs, though this shook investor confidence. The company also retired the preferred stock White Brook previously held in May, saving about $3.3 million annually, and management expects a stronger second half than first. At roughly eight times the midpoint of management's 2026 GAAP EPS guidance, White Brook sees double-digit revenue growth at a modest multiple, with additional upside if integration improves margins.

  Yahoo Finance·22/10, 13:08CCLDsoftwaremergers and acquisitions
• VIX Securities Still Holds VND 1,000 Billion of Undisbursed Capital from Share Offering

  VIX Securities (HoSE: VIX) raised over 11,026 billion VND from an offering of nearly 919 million shares priced at 12,000 VND each on April 20, 2026. Over 5,013 billion VND each was disbursed to proprietary investment and margin lending from April 22 to May 26, 2026, but the 1,000 billion VND earmarked to contribute capital to VIX's digital asset trading exchange had not been disbursed as of October 20, 2026. In Q3 2026, pre-tax profit fell nearly 94% year on year to 192 billion VND, with revenue down 36% to 2,047 billion VND and proprietary trading booking a net loss of 94 billion VND. For the first nine months, revenue fell 18% to 5,050 billion VND and pre-tax profit dropped nearly 92% to about 424 billion VND, mainly due to proprietary trading losses, leaving VIX at 12.1% of its 3,500 billion VND full-year pre-tax target. Total assets rose 16.6% to nearly 39,860 billion VND by September 30, 2026, while margin loans fell from 15,380 billion VND to 12,422 billion VND.

  CafeF·22/10, 13:07• VIXVIXbrokeragesmargin lending
• Chip stocks fall as equipment maker Lam Research cites 'supply chain constraints'

  Semiconductor stocks fell in premarket trading Thursday after Lam Research, a major wafer equipment supplier, cited near-term supply chain constraints on its earnings call. Its CFO said quarterly revenue guidance of $8.6 billion would have been a bit higher without these constraints, and Lam shares fell as much as 9% premarket. The PHLX Semiconductor Index (SOXX) was set to open down 4%, with Nvidia and Qualcomm down more than 2%, Marvell down 4%, Intel down 5%, Broadcom down more than 3%, Applied Materials down 6% and ASML down 3%. Semiconductor stocks have been volatile as concerns over AI funding weigh on the sector, while surging oil prices raised expectations that the Fed may keep tightening monetary policy this year.

  Yahoo Finance·22/10, 13:06▼ NVDANVDAsemiconductorssupply chain
• VN-Index rises another 22 points, reaching highest level in over half a year

  The VN-Index closed at 1,761 points, up 22 points, on trading volume of more than 672 million shares worth about 15,300 billion VND. On HoSE, 149 stocks rose, 167 fell and 57 were unchanged. Foreign investors net bought nearly 342 billion VND on HoSE, led by VIC (over 239 billion VND), TCB and VHM, while FPT saw the largest net selling at over 264 billion VND. ASEAN Securities said the index shows a technical rebound signal with buyers temporarily in control, but the market remains neutral because the index has not broken above the MA20 and indicators are not yet uniformly confirmed, so it may trade in a narrow range.

  CafeF·22/10, 13:06▲ VNINDEXVNINDEXforeign investorsVietnam