Under normal circumstances, you can get it in full, because you borrowed from the bank, not from the private sector. Private lending is to deduct interest first and then give you cash. Similarly, 15W borrowed from the people, after deducting the interest, you can't get so much, but you borrowed it from regular channels. To be responsible, you should be able to get the full amount. If you can't get the full amount, you can complain, because the person who sent you the difference must have taken it.

In fact, it is beneficial to those who handle this 15W. For example, the bank will give him a commission, but that's the bank's business. He shouldn't take it from your money. But the unspoken rule is that your 15W loan will be less, and he will take it. If you must be serious, you should reason with your agent or give it back to you.

Of course, his behavior was acquiesced by the bank.