@Wayne *******
People don't do it because some immigration offices don't accept it, and it makes the process far more complicated than it needs to be. But if the monthly transfer is 65,000 and the bank balance required is 800,000, then if you have 400,000 the monthly transfer would need to be 32.5K. But each immigration office treats it differently, so you would need to check with your immigration office before you even tried it.