My situation is that I have money tied up in a fixed rate bank account until around this time next year. Now I find I may need to take out a loan (yeah, not really one with the forward planning here). Is it possible to get a loan like the car companies tend to do on new cars where you pay a small amt per month and then a large balloon payment at the end. If I time it right, I can cover the balloon payment with the proceeds of the fixed rate account and not have the loan drag out.