def mort():
    amtBorrowed = 30000
    rate = 0.05
    years = 25
    ffactor = (1 + rate /2) **(1 / 6.0)
    pow = ffactor ** (12 * years)
    monthlyPay = amtBorrowed * pow * (ffactor -1)/ (pow -1)

    print monthlyPay

mort()