Beibei's family has to pay 6.5438+0.9 million yuan to buy a house, and the deposit of Beibei's family is only enough to pay 40% of the purchase price, and the rest is planned by Dad.

I haven't heard that banks have this method of deducting interest. It should deduct the principal plus interest every month. This should not be a regular bank. The method is wrong and the interest rate is wrong (the one-year interest rate of commercial banks is 6.56, and the one-year interest rate of provident fund is 4.45).

I think, like the method of private lending, if you lend money, you must deduct interest first (for example, if you borrow 6.5438+million yuan, the monthly interest is 6.5438+0.000 yuan, and the annual interest is 6.5438+0.2000 yuan, and finally you can only borrow 88,000 yuan, but the repayment is still 6.5438+million yuan).