import java.util.Scanner;

public class MortgageCalculator2 {

    public static void main(String args[]) {

        Scanner in = new Scanner(System.in);

        // 1. Get principal, term, monthl interest rate

        System.out.print("Please enter home price: ");
        double price = in.nextDouble();

        System.out.print("Please enter percentage of down payment: ");
        double principal = price * (100.0 - in.nextInt()) / 100;

        System.out.print("Please enter mortgage term (in years): ");
        int term = 12 * in.nextInt();

        System.out.print("Please enter annual interests rate: ");
        double r = in.nextDouble() / 100 / 12;

        // 2. Apply the formula (handle the case where r is 0)
        double monthlyPayment;
        if (r > 0)
            monthlyPayment = r * principal * Math.pow((1 + r), term) / (Math.pow((1 + r), term) - 1);
        else
            monthlyPayment = principal / term;

        // 3. Display the result
        System.out.println("Your monthly payment is: " + monthlyPayment);

        in.close();
    }
}