sorry po, wala ako makita na other thread to link my inquiry ... dito na lang po ha?

sa mga nag-housing loan po through local banks: which is better

a. longer or fixed % term (fixed 1 year or longer)
b. long or short payment period (15years, 20 years)

malaki po ba risk if fixed 1 year lang yung interest loan mo? mabilis po ba tumaas interest rate for real-estate?

pasensya na po, need help from the experts.

thanks!