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    Bank finance or Pag-IBIG

    House and lot value is Php 2.8 M. ChinaBank offered me a 6.25% interest fixed for 3 years. May repricing every year after the 3rd year. The loan term is 20 years. This is a good deal but baka tataas yung interest (most likely) after the 3rd year. Pag-IBIG offered the same interest at 6.25%...
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