Sana's going to buy a house in Fukuoka. The amount she could afford is JPY600,000. The normal down payment on a twenty-year loan in Fukuoka amounts to 25percent. The APY for saving is 6.75percent/annum and the APY for lending is 8.75percent/annum. The realtor has made it possible for Sana to lower the monthly bill. With the additional JPY4000, Sana is able to reduce the annual rate by 0.25percent. The current payment will be JPY3,950/month. How much is the monthly charge if Sana does not take the option of a realtor? In your option, is it better if Sana take the option of lowering the annual rate or not?