How to payoff a condominium in the Philippines?

[skreech]

Hello I am in need of a few suggestions and serious answers. Me and my wife purchased a 1-bedroom unit in the Philippines total cost is P2,431,000.00 I am currently in the early stages of paying off the down payment of P486,200.00 the estimated turnover date is December 2013 and so far we paid off the 4th of 36th scheduled down payment. Now my question is once I complete the down payment I would like to pay off the balance of P1,944,800.00 I would like to get a finance on this amount I live in the US which getting a loan can be kind of difficult and sometimes have a high interest rate in the other hand Philippines does have a program out there which in house financing for 5 years at 18.00% in the amount of P49,385.14 and for Bank Financing 15 years at 10.99% for P22,092.33 a month is there anything either in US or Philippines that could be a better deal? and when should I apply for the loan being that the turnover date is December 2013 I also want to make sure that the transition of the loan does not interrupt any financial transactions such as late and penalties..