Renting forever is often smarter than buying a home in Vietnam's big cities. With apartment prices in Hanoi and Ho Chi Minh City rising 6-8% annually while rental yields stay under 4%, the math rarely favors ownership. I know a couple who sold their house in 2019, invested the proceeds in bonds, and now live in a nicer rented flat with lower monthly costs. But is homeownership about numbers or about the stability and freedom to renovate that renting can't offer?