boeing_747,

i believe after 5 years pag-ibig will restructure the interest terms about 1-2 points above the indicative Central Bank lending rate. so It Varies (TM)

ok nga yung "pay the D/P kahit wala pa yung condo." mas nakakamura talaga dun. yun nga lang you'll pay rent pa rin for 3 years. medyo mahirap-hirap magbayad ng D/P (kahit amortized) AND mag rent at the same time.