Of course, you have to repay the money to the bank. The bank lends you the loan. You then use the money to buy the developer's house. Calculate the total repayment based on the age, plus interest, and then repay it every month to The bank's interest rate is less than 6, and the provident fund is even cheaper. You can make a down payment of 800,000, and then invest the remaining 2 million in fixed income trust products, with an annual interest rate of 9 to 10%. In this way, your investment income is greater than the bank interest expense, which is still very cost-effective. Of course, there are some opportunity costs. You may not be able to buy a suitable trust product for about a month, which will cost you some time, but the overall interest rate is lower than bank interest.