// Loan Calculator

import java.util.Scanner;

public class Program3
{
	public static void main(String[] args)
	{
		Scanner scan = new Scanner(System.in);
		System.out.println(" == LOAN CALCULATOR PROGRAM ==");
		
		System.out.print("Please enter loan amount: ");
		double loanAmount= scan.nextDouble();

		System.out.print("Please enter number of years: ");
		int numberOfYears = scan.nextInt();

		System.out.print("Please enter APR: ");
		double APR = scan.nextDouble();

		// calculate the monthly interest rate from the APR
		double monthlyInterestRate = (APR/100.0)/12.0;
		
		// compute the monthly payment
		double numerator = loanAmount*monthlyInterestRate;
		double denumerator = 1 - 1/( Math.pow(1 +monthlyInterestRate, numberOfYears*12));
		double monthlyPayment = numerator / denumerator;

		double totalPayment = monthlyPayment * numberOfYears * 12;
		
		System.out.println("The monthly payment is: " + monthlyPayment);
		System.out.println("The total   payment is: " + totalPayment);
	}
}