812-200=612$="prinsapal"=$ him pae interest on
13%, 3 yeers, monthly paements
paement=20.62$/month
total pae=742.35, so interest=130.35$
u hafta did intu "financial" math tu find the formula
& yu gotta hav sientifik kalkulater tu take powers & roots & komplex ops
13%=0.13, then gotta divide bi 12 tu get monthly interest...=0.01083333=reel rate
numpae=12*3=36
me kalk intermediat step: fakter3=[1/(1+reelrate)]^numpae
pae-fakter=reelrate/(1.0 -fakter3)
then monthly paement=$borro*pae-fakter