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Comments
It's not just a matter of choosing the lowest interest rate. You need to read the fine print, some have teaser rates first year then shoot up on repricing. Also need to decide if you intend to pay it off completely before loan term ends. It's an official statistic, most mortgage borrows end up pay off the entire loan before the term ends! Some banks with low rates vs their competitors charge an expensive fee for early prepayments.
Based on experience BPI and BDO don't charge early prepayments. Security Bank does. But bank products change all the time, so it's best to ask.
The bargains are in the secondary market now :-) and you get cash flow from day one because it's RFO.
But if I was based overseas, you can still get a full time airbnb host to completely take it off your hands, they typically charge around 30% of gross earnings from airbnb, and the owner covers the dues/bills. (But because airbnb earnings are often double, there is normally enough for both the host and the owner to share in the lucrative pie)
If you were to rent it out on a long term lease, the rate you'll get will be less than half per month, so it works out to be the same din from the owner's standpoint, but you would have to pay the agent first month's rent as commission, and plus you'll get the hassle of doing the whole cycle again when someone moves out.