The initial monthly loan pay too much to say and almost no interest. If the float is 500 million yen 300 million yen in interest. Suspended so that its interest. Increase the down payment and first (last?) Is a shortcut, plat book to get a gift . And if the gift were zero, it is best to get it. The principal reason is not decreased, under the simulation, for example. A gift when compared to 300 million yen, down 300 million yen in 3800 to 10,000 yen to purchase the property. To reduce some of the principal who is not me. Will be called. Different from the total payments of about 185 million yen. That is the first donation of 500 million yen, despite the return to debt, as a result the change in value of 800 million yen, that is, you will receive a donation for the law to put down a little bit more .