From 13 September to 10 year122 October, the total number of days is 40 days.

Borrowing 30,000 yuan, interest should be repaid:

30000× 5.6 %× 40/360 =186.67 (yuan)

If the money is withdrawn in advance, the interest loss is:

30000× (5.0%-0.35% )× (360× 3-40)/360 = 4030.00 yuan.

As can be seen from the above calculation, if you withdraw in advance, the interest loss will be very large.

So it is suggested to take a loan or borrow it temporarily from relatives and friends.