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30*12*315000*( (0.0735/12(1+0.0735/12)^(12*30))/((1+0.0735/12)^(12*30)-1) )
30*12*315000*( (0.0735/12(1+0.0735/12)^(12*30))/((1+0.0735/12)^(12*30)-1) )
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