Answer:
Interest
So, lets say that you took a loan from the bank of 20,000. But, when you are supposed to pay it back, you need to pay 25,000. This is because of interest. When the bank gives you the money, they cannot give it to you just like that. There is no profit coming from it. So, there is the thing called interest which basically says that since you took money from the bank, you need to pay a little more because you borrowed money from them.