You have decided to buy a car that costs $$31,000.$ Since you do not have a big down payment, the lender offers you a loan with an APR of $6\mathrm{.}27$ percent compounded monthly for $7$ years with the first monthly payment due today. What is the amount of your loan payment?

Multiple Choice

$$454\mathrm{.}51$

$$374\mathrm{.}71$

$$456\mathrm{.}89$

$$293\mathrm{.}3$