import java.math.*;
import java.text.*;


class MortgageCalculator4 {
     public static void main(String arguments[]) {


//Program Variables using array
    double []terms = {84,180,360};
    double []Rates = {0.0535, 0.055, 0.0575};
    double loan = 200000;

    double term, interestRate; //Temporary variables to make things generic and clearer

    DecimalFormat df = new DecimalFormat("$###,###.00"); //Formatting the output

//for each term and Rate starting from the first location of each array terms[] and Rates[]
    for (int i=0;i<terms.length;i++){
    //Calculates the Payment per month to be paid under mortgage scheme One
        interestRate=Rates[i]; //take value from the array  Rates[] to a temporary variable
        term=terms[i]; //take value from the array terms[] to a temporary variable
        double monthlyRate = (interestRate/12);  //derive the monthly interest rate
        //calculate the discount factor
        double discountFactor = (Math.pow((1 + monthlyRate), term) -1) / (monthlyRate * Math.pow((1 + monthlyRate), term));
        double payment1 = loan / discountFactor; //calculate payable amount per month
    //Output for mortage scheme One
        System.out.println("The Loan amount is:"+df.format(loan)+"\n");
        System.out.println("The intrest rate is:"+interestRate*100+"%");
        System.out.println("The term of the loan is:"+term/12+" years.");
        System.out.println("Monthly Payment Amount: " + df.format(payment1)+"\n");
    }
} //main ends here
} //class MortgageCalculator4 ends here