The initial monthly loan pay too much to say and almost no interest. Under the simulation, for example. That is the first donation of 500 million yen in total payments of about 185 million yen is also different. If you receive a gift, a gift when compared to 300 million yen, for the law to put it down a little bit more. Principal is not reduced but it will result in changes in the value of 800 million yen, increasing the down payment and first (last?) The best way to be. Its always better to get it. Receive a gift from a parent. To reduce some of the principal who is not me. co-tenants in 3800 down to 10,000 yen and 10,000 yen to purchase the property. Suspended so that its interest. If the float is 500 million yen 300 million yen in interest. And if the gift were zero, but returns to debt, saving the cost of the guarantee and pay the bank fees and commissions.