You currently have 2 billion VND in cash, you are wondering whether to buy or rent a private house at this time. The market transaction price of a townhouse with land area of 50m2 and usable area of 110m2, alley about 4m wide is 5.5 billion VND. The rental price for a house with a similar structure is 9 million VND/m2. You plan to invest for 8 years. The current credit policy is mentioned in the article titled "What interest rates are banks giving home loans at?" by author Bao Ngoc published in Tuoi Tre newspaper on August 1, 2023 via the following link: ttps://tuoitre.vn/cac-ngan-hang-dang-cho-vay-mua-nha-voi-lai-suat- bao-nhieu20230801161004485.htm. Based on the information mentioned in the article, the group should choose a reasonable credit policy package to analyze the loan and repayment schedule according to two methods (1) loan balance gradually decreasing (FA), (2) interest only payment. (IO). With the current average monthly income of 25 million VND, which payment method will be more beneficial? Property tax and income tax policies according to current regulations. Real estate transaction costs depend on the group accessing and surveying information (through individual brokers, real estate exchanges, or real estate companies). Based on the above information, make a decision to buy or rent real estate