Your deposit is lump-sum deposit and withdrawal, and your money has been deposited for five years. And you mortgage to buy a house, not a one-time repayment due in five years! You need to pay back the money every month. Every month, your loan principal will be less. When you pay it back for two and a half years, will you give it back half the money? What about the interest at the back? The following interest can only be calculated according to the remaining principal, not all according to the total loan amount. Don't you feel a loss by the total amount every year? The fact is, on a monthly basis. If it is paid in the first month, the remaining principal is a little less, and the interest in the second month is calculated according to the remaining principal, so the interest is less than that in the first month, and every month is less than that in the previous month, which is why the interest is so small. If it is a one-time repayment due, it means that the interest is calculated directly on an annual basis, which is definitely higher than the deposit interest.