Recently i came in touch with a question asked by my friend

Question is- my friend is taking a home loan of Rs.10 lacs and property value is 20 lacs including registration etc. Now bank has sanction him Rs.10 lac and he has to pay balance Rs.10 lac out of his pocket. He has fds of Rs. 15 lacs. Now he has two options. 1. Break fd and pay Rs.10 lacs. 2. Bank offered him a offer that is take od on fd at same rate of fd and at same amount of fd. I.e.Rs.10 lac @ 9% on lien of 10 lacs' fd (since he was x-staff family member of bank). Here it clear that bank will keep interest and release fds in future when he wil pay rs.10 lacs. Which otion he should opt and WHY ?? Please give answer with detailed examination..