The rate itself was not the part that surprised me; the fees and lending tier were what made the quote look different from the advertisement. The proposal is 8.37% fixed for two years on a Manila purchase of around PHP 40,020,000.
Because we might move within those two years, a long-term...
I’m less convinced the exact day count is useful with mixed definitions. The stronger observation may simply be that lease compatibility separates the obvious candidates from the rest.