You are considering taking out an $800,000 30-year loan with equal monthly payments with a bank, which quotes annual rates on its deposits and loans...

You are considering taking out an $800,000 30-year loan with equal monthly payments with a bank, which quotes annual rates on its deposits and loans of 1.2% and 3.6%, respectively.

(a) Without constructing a loan amortization schedule,

(i) what is the amount of interest that will be paid in the first month of the 25th year into the loan. 

i'm having trouble understanding this question, confuse on the part of the interest rate for deposits and loans?