Has anyone tried it?
It means normally when I take out a loan from any bank I do not actually give them anything, they do have legal rights to take it from me if I don't pay them but I do not give it to them when I am taking out the loan. Here you give them some deposit and get credited and then you can take out a loan. If I have that kind of money I already have that kind of money, why the hell would I pay interest rate on something I already have? It doesn't make any sense.