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# Mortgage Calculator

Banking provides us with many interesting programming problems. The following one is more complicated than Savings calculator which you perhaps learned earlier.

After Joel bought a boat he have got the new idea - to buy a house. Since he did not want to wait until necessary sum is collected, he considers a mortgage, which is to get a loan from bank and buy a house immediately, while loan is secured by this house (i.e., in case of borrower's default bank gets the house in compensation).

Mathematically, mortgage works by the following algorithm:

- Joel borrows big money sum
`P`

from bank (and performs purchase); - bank tells him its interest rate
`R`

in percents - the speed of growth of the debt; - at the end of each month the debt is increased by
`R / 12`

percents; - immediately after it Joel gives to bank some predefined small sum
`M`

to decrease the debt; - debt is considered settled when its value is reduced to zero (this could take several years).

For example, Joel takes `P = $800,000`

from bank with interest rate of `R = 6%`

. He

is willing to pay `M = $10000`

at
the end of each month.

```
Month P P * (R/12)% -M new P 1 $800000 $4000 -$10000 $794000 2 $794000 $3970 -$10000 $787970 3 $787970 $3940 -$10000 $781910 ... 12 $732325 $3662 -$10000 $725987 ... 24 $654138 $3271 -$10000 $647408 ... 103 $4188 $21 -$4209 $0
```

So after `103 months`

(which is about `8.5 years`

) the debt could be payed out. The last payment of course
could be less than `M`

(since `P`

need not to become negative). Note that he will pay out about:

```
102 * $10000 + $4209 = 1024209
```

which is `25%`

more than the cost of the house.

Joel asks you (the mighty programmer) to help him with the calculation of necessary monthly payment `M`

.

**Input data** contains values for loan size `P`

, interest rate `R`

and length of time to pay out `L`

in months.

**Answer** should contain the required monthly payment `M`

rounded up to whole dollars (i.e. if you get non-integer
result, increase it to nearest integer which is greater).

Example:

```
input data:
800000 6 103 answer:
9957
```

Category: Bank mortgage

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