#include<iostream>
#include<cmath>

using namespace std;


struct loan
{
        float amount;
        float rate;
        int id;
        int term;
};


float payment(float amount,float rate, int term);

int main()

{
        loan loan1;
        int monthly_payment;
        float amount;



        cout<<" Enter The ID of this loan:" ;
        cin>>loan1.id;

        cout<<" Enter the amont of this load";
        cin>>loan1.amount;
        cout<< " Enter the annual Interest rate of this load In % (e.g., 5.4): ";
       cin >>loan1.rate ;

        cout<< " Enter the term (number of onths, length of loan): ";
        cin>>loan1.term;


        monthly_payment = payment(amount, rate,term);

        cout<< " The monthly payment for loan " << id << " is: " << monthly_payment << endl;
return 0;


}

float payment(float amount,float rate, int term)
{


        rate = rate/1200;  // to convert % yearly rate to monthly fraction
        return amount*rate*(pow((rate+1), term)/(pow((rate+1), term)-1));


}