You found a used car you want to buy, but you won't be able to buy it for $2$ years until you graduate. The owner of the car is currently asking $$4,340\mathrm{.}28$ for it$,$ but you think he will lower the price of the car by $4\%$ per year during the next $2$ years, and you will borrow the entire price of the car from the bank $($no down payment$).$ If the bank will give you a $3$ year loan at $13\mathrm{.}8\%$ annual interest with monthly payments, how much will the monthly payments be$?$