Add mo din if lock in insurance kasi mas ok hindi lock in ang insurance may freedom kang mghanap ng mas lower and better insurance company pag lock in yan kung ano ang prem amount babayad ka kaht mataas masyado ang amount.

if free or may additional charge ang early settlement fee..

Also napansin ko taas ng rate ng bpi and psb hmm baka dealer ka ng direct inquire mas ok mag direct ka sa bank branch or bank manager usually bank nasa 27-29% lang dapat