Many banks hold a promotional rate for the first 12–24 months, then float it at the savings rate plus a margin. Compare both periods rather than looking only at the first-year figure.
See the original title book, match the owner's name to their ID, and ask plainly whether the property is mortgaged to a bank.
Write down the rent, payment dates, deposit and how the deposit is returned. Photograph the furniture when you move in and send the photos to the landlord.
New supply in Thủ Đức gives buyers more choice; asking prices on the resale market are almost flat on last quarter.
Facing is only one factor; light, wind and noise shape daily life directly.
Check whether the plot sits in an existing residential area or a tourism zone, because that decides whether a house can be built on it.