public class Mortgage {
	private double annualInterestRate;
	private int numOfYears;
	private double loanAmount;

	public Mortgage(){
			annualInterestRate = 0;
			numOfYears = 0;
			loanAmount = 0;

		}

	public Mortgage(double interest, int years, double loan) {
		annualInterestRate = interest;
		numOfYears = years;
		loanAmount = loan;
	}

	public void setAnnualInterestRate(double interest) {
		annualInterestRate = interest;
	}

	public double getAnnualInterestRate() {
		return annualInterestRate;
	}

	public void setNumOfYears(int years) {
		this.numOfYears = years;
	}

	public int getNumOfYears() {
		return this.numOfYears;
	}

	public void setLoanAmount(double loan) {
		this.loanAmount = loan;
	}

	public double getLoanAmount() {
		return this.loanAmount;
	}

	public double totalPayment() {
		double totalInterest = 0;
		double remainingLoan = this.loanAmount;
		double yearlyPayment = this.loanAmount / this.numOfYears;
		for (int year = 0; year <= this.numOfYears; year++) {
			totalInterest = totalInterest + remainingLoan
					* this.annualInterestRate;
			remainingLoan = remainingLoan - yearlyPayment;
		}
		return this.loanAmount + totalInterest;
	}

	public double monthlyPayment() {
		return this.totalPayment() / this.numOfYears / 12;
	}
}