Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

How much of my home loan is coming from a bank, how much it goes back? 
Judging from your comments, you seem to be confused about the way banking works.  Banks can only lend out money that they actually have: whether from deposits or investors or loans taken from other banks/government entities.  The rules on how this works varies from country to country, but the principle is always the same.  There is no magic money. Let's imagine a closed system.  There's only one town, and that town only has one bank.  There are 100 people total in town, and each has $10,000.  Everyone deposits all of their money in the bank. The bank now has $1,000,000 in total deposits.  You take a loan for $100,000 and buy a house.  The bank now has $900,000.  You make your payments of $965 per month: $833 of interest and $132 toward principal.  In this ideal world, the bank has no costs associated with doing business.  After one month, the bank has $1,000,000 in deposits, $900,965 in cash on hand, $99,868 in loans, and $833 in profit (from interest). Now here's the confusing part.  You bought a house from someone.  That person also lives in town.  He takes the $100,000 you gave him and... deposits it in the bank.  The bank now has $1,100,000 in deposits, $1,000,965 in cash, $99,868 in loans, and $833 in profit. Assume 10 more people buy houses at $100,000 each, taking loans for that whole amount (for the same terms you did).  Assume those sellers then deposit the money back in the bank.  The bank now has $2,100,000 in deposits, $1,000,965 in cash, $1,099,868 in loans, and $833 in profit.  The bank is taking in $10,615 per month ($965 x 11) in loan payments, making profit of $9,163 ($833 x 11) per month from interest. This process of loans and deposits and payments can go on forever without any outside influence.  This is the primary way money is created.  It's like printing money without the paper. Of course, we're not in a closed system.  Banks are limited in endlessly creating money, primarily by two things: Reserve Requirements are set by government agencies.  They might say banks can lend until their cash on hand (or liquid equivalent) is, at minimum, 35% of total deposits.  So a bank with $1,000,000 in deposits would have to keep $350,000 in cash at any given time. Capital Requirements work largely the same way.  It's more the bank saying, "What happens if a bunch of people want their deposits back?"  They plan a reasonable amount of cash to have on hand for that scenario.