A housing loan is to be repaid with a 15-year monthly annuity-immediate of $2,000 at a monthly effective interest rate 0.5%. After 20 payments, the borrower requests for the payments to be stopped for 12 months. When the borrower starts to pay back again (at time t = 33 months after the borrower got the loan), the borrower wish to make a payment of $50,000 at that time and another payment of $P one month later to pay the loan completely. Find the value of P