You are very excited to have won an auction for your dream apartment in Northcote that will cost $$635,000($inclusive of all taxes$).$ You have diligently saved a deposit of $$95,000$ but will need to borrow the rest. You do your research and find that the best deal you can currently get from a financial institution is a $30-$year loan at an interest rate of $9\%$ p$.$a$.$ compounding monthly. Your monthly payment is due at the end of each month.