You need a 20 years fixed-rate loan to finance purchasing a new flat for Rs 4 million. You have made an upfront payment of Rs 15 lakhs to the seller of the flat. The loan is secured against mortgage of the flat being financed. You have negotiated with the lender to avail loan at 12% APR compounded monthly. The EMIs negotiated are Rs 25,000 starting one month from now. How much extra, if any, apart from the above payments, will you need to pay now so as to fully pay your loans through the above EMIS? [5]