import java.io.*;
import java.text.NumberFormat;

public class Mortgage 
{

   public static void main(String args[]) throws IOException
   {

      BufferedReader keyboard =
         new BufferedReader(new InputStreamReader(System.in));
      double principal, rate, ratePercent;
      int years, n;
      final int paymentsPerYear = 12;
      final int timesPerYearCalculated = 12;
      double effectiveAnnualRate;
      double payment;
      NumberFormat currency = NumberFormat.getCurrencyInstance();

      System.out.println();
      System.out.print("How much are you borrowing?            ");
      principal = Double.parseDouble(keyboard.readLine());
      System.out.print("What's the interest rate?              ");
      ratePercent = Double.parseDouble(keyboard.readLine());
      rate = ratePercent/100.00;
      System.out.print("How many years are you taking to pay?  ");
      years = Integer.parseInt(keyboard.readLine());
      System.out.println("------------------------------");

      n = paymentsPerYear * years;
      effectiveAnnualRate = rate / paymentsPerYear;
      payment = principal*(effectiveAnnualRate / (1 - Math.pow(1 + effectiveAnnualRate, -n)));
      System.out.print("Your monthly payment is                ");
      System.out.println(currency.format(payment));
      System.out.println();
   }
}