#include <iostream>
#include <iomanip>
#include <cmath>

using namespace std;

const float BANK_PERCENT_LIMIT = 0.28;

int main() {
    float priceOfHouse{0},
          percentDown{0},
          downPayment{0},
          amountFinanced{0};

    float interestRate{0},
          years{30},
          paymentsPerYear{12};

    float monthlyRate{0};
    float monthlyPayment{0};

    float annualTaxes{0},
          insurance{0};

    float totalMonthlyPayment{0};

    float monthlyIncome {0},
          currentPayments{0};

    float adjustedIncome{0};

    // get the loan information.
    cout << "Enter the price of the house: ";
    cin >> priceOfHouse;

    cout << "Enter the percent down payment: ";
    cin >> percentDown;

    cout << endl;

    cout << "Enter the annual interest rate: ";
    cin >> interestRate;

    cout << "Enter the number of years: ";
    cin >> years;

    cout << "Enter the payments per year: ";
    cin >> paymentsPerYear;

    cout << endl;

    cout << "Enter the annual taxes: ";
    cin >> annualTaxes;

    cout << "Enter the annual insurance cost: ";
    cin >> insurance;
    cout << endl;

    cout << "Enter the monthly income: ";
    cin >> monthlyIncome;

    cout << "Enter the total of current monthly payments: ";
    cin >> currentPayments;

    // compute down payment
    downPayment = priceOfHouse * percentDown / 100.0;
    amountFinanced = priceOfHouse - downPayment;

    // compute the monhtly payment.
    monthlyRate = interestRate/paymentsPerYear/100.0;
    monthlyPayment = (amountFinanced * monthlyRate) 
                    / (1-pow(1+monthlyRate,-years*paymentsPerYear ));

    // compute the total monthly payment
    totalMonthlyPayment = monthlyPayment + annualTaxes/paymentsPerYear
                        +  insurance/paymentsPerYear;

    // compute the adjusted monthly income
    adjustedIncome = (monthlyIncome - currentPayments) * BANK_PERCENT_LIMIT;

    // set up the output stream
    cout << fixed;
    cout << setprecision(2);
    cout << endl;
   
    // print basic financing information
    cout << "Price of House: $" << priceOfHouse << endl;
    cout << "Down Payment: $" << downPayment << endl;
    cout << "Amount Financed: $" << amountFinanced << endl;
    cout << endl;

    // print terms of loan 
    cout << noshowpoint;
    cout << "At " << interestRate << "%";
    cout << setprecision(0) << " for " << years << " years." << endl;
    cout << "With " << paymentsPerYear << " payments per year." << endl;
    cout << setprecision(2) << showpoint;
    cout << "The monthly payment is $" << monthlyPayment << endl;
    cout << endl;

    // print the total monthly payment
    cout << "With annual taxes of $" << annualTaxes << endl;
    cout << "and yearly insurance of $" << insurance << endl;
    cout << "The total monthly payment is $" << totalMonthlyPayment << endl;
    cout << endl;

    // print qualification information
    cout << "With a monthly income of $" << monthlyIncome << endl;
    cout << "and payments of $" << currentPayments << endl;
    cout << "The adjusted monthly income is $" << adjustedIncome << endl;
    
    if (adjustedIncome > totalMonthlyPayment) {
        cout << "You qualify for this loan" << endl;
    } else {
        cout << "You do not qualify for this loan" << endl;
    }
    cout << endl;

    return 0;
}