The kinda of money banks earn...
Based on a property of RM500K with 20% down, at 6% p.a. interest for a 20 year loan, the monthly instalment for a RM400K loan works out to be about RM2,800 or S$1,200. Out of this $1,200, about half of it goes to the bank as interest. The other half is used to pay down the principal. That is why when u enquire about your mortgage after a couple of years of paying, you realise that the loan outstanding hardly ever moved. Do remember that whenever we borrow from the bank, the total amount repaid over the duration of the loan is roughly double the amount of loan taken. In other words, you buy one house for yourself, another house for the bank. :o
This is the reason why banks pay themselves more than 6 months bonus yearly.
If you dont want banks to earn so much of your hard-earned money, would suggest putting more money upfront and taking a shorter duration loan. This is the key to preserving your wealth.