Its an old joke

A millionaire walks into a bank in New York City and asks for the loan officer.  He says he’s going to
Europe on business for three
weeks and needs to borrow $5,000. The bank officer says the bank will need
some kind of security for the loan, so the our hero hands over the keys to a
new Rolls Royce.

The car is parked on the street in front of the bank, he has the title and everything checks out. The bank agrees to accept the
car as collateral for the loan. The bank’s president and its officers all
enjoy
a good laugh at the guy for using a $250,000 Rolls as
collateral against a $5,000 loan.

An employee of the bank then
proceeds to drive the Rolls into the bank’s underground garage and parks it
there. Three weeks later, the millionaire returns, repays the $5,000 and the
interest, which comes to $18.41. The loan officer says, "Sir, we are very
happy to have had your business, and this transaction has worked out very
well, but we are a little puzzled.

While you were away, we checked you
out and found that you are a Multi-millionaire. What puzzles us is why you
would bother to borrow $5,000?"

The millionaire replies, "Where else in New York City can I park my car for three weeks for only $18.41 and expect it to be there
when I return?"