Back home in India, some of the banks already offer such hybrid accounts, tied to a mortgage. As you keep putting money into the a/c, so much is reduced from t

Back home in India, some of the banks already offer such hybrid accounts, tied to a mortgage. As you keep putting money into the a/c, so much is reduced from the outstanding principal when calculating interest for that much period. Even more surprising, this is one of the state run banks (State Bank of India).