import java.math.*;
import java.text.*;
import java.io.BufferedReader;
import java.io.InputStreamReader;
import java.io.IOException;


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;
    int i;

    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 (loan = 200000, 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
   //     MonthlyPayment = LoanAmount*Math.pow(1+MonthlyInterestRate, Period)*MonthlyInterestRate/(Math.pow(1+MonthlyInterestRate, Period) -1);

        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.");

        //display the balance in pausable list
        showBalance(term, monthlyRate, loan, payment1);
    }
} //main ends here

      public static void showBalance(double Period, double MonthlyInterestRate, double LoanAmount, double MonthlyPayment){
        System.out.println();
        System.out.println("Month     " + "\t" + "Amount     " + "\t\t" + "Interest    " + "\t" + "Balance    ");

        int periods = 1;
        double Balance=0, Interest;
        while(periods <= Period){ //Do the following until the total number of periods have exhausted
            int i = 0;
            while(i <20 && Balance>=0){ //Show twenty lines/periods at a go, or until remaining balances reduces to 0
                Balance = LoanAmount*(1+MonthlyInterestRate) - MonthlyPayment; //Calculation of Balance
                Interest = LoanAmount*MonthlyInterestRate; //Calculation of Interest
                //Now print using the round to two decimal places
                System.out.println(""+periods +"\t\t"+(Math.round(LoanAmount*100.00)/100.00)+"\t\t"+(Math.round(Interest*100.00)/100.00)+"\t\t"+(Math.round(Balance*100.00)/100.00));
                LoanAmount = Balance; //Set the Principal for next round to the Balance of previous month
                periods++;
                i++;
            }
            System.out.println("Press Enter to continue..");
            BufferedReader br = new BufferedReader(new InputStreamReader(System.in), 1);
            String str = "";
            try {
                str = br.readLine(); //hesitate or prompt for enter after screenfull
            }
            catch (IOException ioe) { System.out.println(ioe); }
        }
    }
} //class MortgageCalculator4 ends here