sabi nung SA ko dti sa GH, yung mga quotes nila are always bigger in reality. kasi if ok dun sa buyer yung ganun monthly, lalo na pag binabaan. theyr'e checking if you can really pay for iy. parang ganu. pero kahit babaan nila, the interest rates are still lower in the banks. i think metro and bpi have the lowest rates. advise ko lang is go to the bank na dinedeposituhan nyo because as one of their clients, they can give you tlagang low interest rates. unlike if you let the casa find one for you, lalabas mas mataas kasi may dealer interest din meaning may cut pa din yung casa sa monthly mo.