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Just to put everything very simple and easy to swallow...
If you lend $30,000 to a stranger for 5years, would you lend it to him for free or would like to make some profit out of it?
Or since you have concept of CD, let me put this way.
Would you still put your money into CD even though there's nothing in return?
Man...you borrowed BANK'S money and they are asking you something in return, so called "interested"... Nothing wrong they "stealing" your money as a return.
Your interested would eventually decrease as you go on. First 6~12 months, your interest payment is highest. You buy the house and see how long you only pay for the interest. You might sue bank if you think they are stealing your money now.
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