For PAG-IBIG/HDMF

The interest rate varies depending on the time of your loan approval and depending on which financial institution you have the loan approved.  HDMF has a fixed rate provision for 3 and 5 years ranging from 5.750% to 9.875%. (refer to HDMF website https://www.pagibigfund.gov.ph/FAQ_HL.html) Factors that will improve your loan rate approval will depend on your creditworthiness and capacity to pay. 

For BANK

Some banks will extend/lower the fees if the clients can negotiate to have a bigger deposit in their account.

Actual rates shall only apply upon loan take out. Developer will impose a 12% in-house rate for monthly amortization separately.