Monthly mortage payment formula=loan amount*monthly interest*(1+monthly interest)^n/[((1+monthly interest)^n)-1]
n=total number of periods=12*20=240
monthly interest=4.2%/12=0.35%
Monthly mortage payment =185900*0.35%*((1+0.35%)^240)/[((1+0.35%)^240)-1]
=650.65*2.312972/1.312972
=1146.20
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