The initial monthly loan pay too much to say and almost no interest. For this law to put it down a little bit more. Principal is not reduced but, if 500 million yen 300 million yen in interest on the float. Suspended so that its interest. While returning the debt, reduce some of the principal who is not me. Will be called. 300 in 3800 down to 10,000 yen and 10,000 yen to purchase the property. The result is a change in the value of 800 million yen, the first gift that is 500 million yen in total payments of approximately another 185 million yen. Receive a gift from a parent. If you can get a house closing, it is best to get it. That is, for example simulation below. Increase the down payment and first (last?) Is a shortcut, and if the gift were zero, a gift when compared to 300 million yen, and parents who love each other.