import java.util.Scanner;
public class Main {
    public static void main(String[] args) {
        Scanner input = new Scanner(System.in);
        System.out.println("Please enter downPayment");
        int downPayment = input.nextInt();
//amount of money
        int carLoan = 10000;
        //years
        int loanLength = 3;
        int interestRate = 5;

        if (loanLength <= 0 || interestRate <= 0){
            System.out.println("Error! You must take out a valid car loan.");
        } else if(downPayment >= carLoan){
            System.out.println("the car can be paid in full");
        }else{
            int remainingBalance = carLoan - downPayment;
            int months = loanLength * 12;
            int monthlyBalance = remainingBalance/months;
            int interest = monthlyBalance*interestRate/100;
            int monthlyPayment = monthlyBalance + interest;
            System.out.println(monthlyPayment);

        }





    }
}