Need help with product data customizing !!!

Hi, Experts!

I need your advice with product data costomizing: i have a product - bank's credit. There are two kinds of this product: 6 month paying term and 12 month paying term. I want to show in condition record of my product (credit) this two conditons (paying terms), want to can choose in block "item" (creation opportunity in WebUI) my product, paying term (from list), percentage rate adn etc., and after pricing procedure worked (creation opportunity) in block "Price totals" (WebUI) i could saw information (price, monthly fee and etc.) about knd of my product with properties from conditions in block "item". 1) How to do that? 2) Can i insert description (name of this kind of product) for all kinds of my product in condition record and saw this description (after i choose properties in block "item") in WebUI in block "price totals" (creation opportunity) after i choose properties in block "item"?

Help me please step by step.

Thank you for help.

Regards,

faraviper.