In the past few years, Thu Thiem is no longer simply a “new urban area” on the real estate map of Ho Chi Minh City. This area is gradually entering a clearer stage of formation: infrastructure is more complete, high-end residential communities are formed, iconic projects are handed over one after another and the price level is increasingly being set at a new standard.

Especially in the period 2026–2028, the investment problem in Thu Thiem no longer lies in the question of “where to buy the cheapest”, but “which assets are rare enough, good enough and safe enough for long-term cash flow”.

When looking back at the current basket of goods in the Thu Thiem peninsula area, we can see a very notable point: new supply in the core area is no longer as abundant as in the previous period. Handed over projects such as The River, Empire City, Metropole Thu Thiem or The Crest have formed actual living spaces, while there are not many new projects preparing for handover. It is this scarcity that is creating a “falling point” of concern for investors with a medium and long-term vision.

New delivery supply is increasingly scarce

In the next 2–3 years, the group of luxury apartment projects in Thu Thiem core is not expected to have too many newly completed products. Among them, The OpusK Residence in The Metropole Thu Thiem and Narra Residences in Empire City are two prominent names that are of interest to the market.

The common point of these two projects is that they are located in strategic locations in Thu Thiem urban area, inheriting a direct connection to the old District 1 center, Saigon River, Ba Son Bridge, Mai Chi Tho Avenue and the high-end utility ecosystem that has formed around them.

Regarding architectural language, both projects follow a modern, luxurious style, with bright colored facades, creating a feeling of elegance and sustainability over time. This is a product group that not only serves the real housing needs of the successful class, but is also suitable for investors who want to hold iconic assets in the new center of Ho Chi Minh City.

As new supply in the core area becomes increasingly limited, projects with clear progress, transparent legality, good locations and high handover standards will have a huge advantage. Because in luxury real estate, the scarcity factor is always an important foundation to maintain asset value.

3-bedroom layout about 140m²: Area is being sought after by the market

A very clear trend among buyersThu ThiemCurrently there is a need to find 3-bedroom apartments with an area of ​​around 130–145m². This is considered an area “nice enough” for a small family or a multi-generational family that wants to live in the center but still needs privacy, airiness and comfort.

If a 2-bedroom apartment is suitable for singles, young couples or flexible rental investment needs, a 3-bedroom apartment of about 140m² is in a higher segment: suitable for long-term stays, receiving guests, working at home and enjoying a more spacious living space.

Especially in Thu Thiem, groups of 3-bedroom apartments with an area of ​​about 140m² often have many advantages:

Firstly, the area is large enough to create the feeling of living like a true family apartment, but not so large that it attracts customers like 4-bedroom apartments, penthouses or duplexes.

Second, the total asset value is still within the reach of successful customers, business owners, foreign experts or investors with good cash flow.

Third, the ability to exploit rentals is also more stable because the group of high-end tenants in Thu Thiem often prioritize large apartments, beautiful views, good furniture and private living space.

It can be said that a 3-bedroom apartment of about 140m² is becoming a “balance point” between the need to settle down and accumulate assets. This is not a mass product line, but it is also not as special as the super large products. Therefore, long-term liquidity can be better if the project has a beautiful location, complete amenities and a quality resident community.

Thu Thiem is no longer an expectation, but is entering the stage of exploiting real value

Previously, many investors bought Thu Thiem because of expectations about planning. But by 2026–2028, the story has changed. Thu Thiem is no longer just “the future” but is gradually becoming an urban area with real life.

Ba Son Bridge has helped connect Thu Thiem with the city center more directly. Internal roads, riverside parks, squares, office areas, shopping centers and luxury apartment projects have gradually created a new look for this peninsula.

The biggest strength ofThu Thiem urban areais an almost irreplaceable location: located opposite the old financial and administrative center of Ho Chi Minh City, surrounded by the Saigon River, and has a rare well-planned land fund right in the urban core. This is an advantage that not many areas in Ho Chi Minh City can copy.

With high-end real estate, central location is always the key factor. But with Thu Thiem, the value lies not only in the distance to the old District 1, but also in the quality of planning, density of open space, river views and the ability to form an upper-class residential community in the future.

Leverage from payment schedule: Great advantage during the period when cash flow needs to be protected

In the context of increasing high-end real estate prices, owning a 3-bedroom apartment with an area of ​​about 140m² in Thu Thiem in the future will require much larger capital than at present.

This is why projects with delayed payment policies until 2028 become notable options. For investors, payment schedule is not only a financial incentive, but also a cash flow management tool.

Instead of having to pay off most of the asset’s value in a short period of time, buyers can split the cash flow over each period. This helps reduce financial pressure, while still locking in location, price and products in a market that tends to become increasingly scarce in beautiful supply.

For investors with business cash flow, delaying payments also helps optimize capital efficiency. While the property is still located in the core Thu Thiem area, buyers have more time to rotate capital, prepare financial plans or wait for the handover point to exploit for rent, real estate or transfer.

During a period of asset inflation and increasing project development costs, owning a good product with a long payment schedule can be seen as a “shield” to protect cash flow.

Why is Narra Residences noticed in the 2026–2028 cycle?

In the new product group in Thu Thiem, Narra Residences belongsEmpire City projectis receiving great attention thanks to the convergence of many factors: location in an urban area that has formed a residential community, modern design, high-end amenities and especially a group of 3-bedroom apartments with an area of ​​about 140m².

Narra’s remarkable point lies not only in its architecture or amenities, but also in its timing. When the delivered projects in Thu Thiem have fewer and fewer beautiful products, while there are not many new projects in the core area, products with a delivery date of 2027–2028 will become a strategic choice for both real estate buyers and investors.

For residential buyers, this is an opportunity to prepare a long-term living space in the new central urban area of ​​Ho Chi Minh City. For investors, this is an opportunity to hold a scarce asset before a new price level continues to be established.

Conclusion: Smart money is looking for core assets that are scarce and have time

Thu Thiem real estate in the period 2026–2028 will no longer be a game for the majority. As regional value becomes increasingly clear, new supply becomes increasingly limited and ownership costs become increasingly high, smart money will prioritize assets with three factors: core location, scarce products and reasonable financial progress.

In that picture, the 3-bedroom apartment has an area of ​​about 140m² in high-end projects preparing for handover such as Narra Residences orThe OpusK Residenceis a product group worth keeping an eye on. This is not only a place to live, but also a long-term accumulated asset in an urban area with a special position in Ho Chi Minh City.

For investors looking for a safe harbor for their cash flow, Thu Thiem is still one of the brightest options. But the best opportunities will not be for those who wait too long, but for those who see value before the market reaches a new price level.

Contact Saigon Luxury for advice on shopping carts for 3-bedroom apartments, beautiful view apartments and potential products in Thu Thiem