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Choosing on the headline rate could leave me paying more for a decade and facing an awkward reset afterward. The property is a Manila studio at roughly PHP 24,360,000, and one option is fixed at 5.61% for 10 years. The lenders have used different loan-to-value bands, fees and illustration...

Please preserve an October 2024 cutoff date even if the summary is revised later. A small revision note could say when a figure changed and why. Links should lead to the underlying listing or transaction material where available, while member observations should remain clearly identified as...