You would like to buy an apartment and can afford loan repayments of $4,000 per month with the first payment to be made in exactly one month. The loan will be an ordinary principal and interest style home loan with a loan term of 24 years. The interest rate is 0.3% per month (compounded monthly). How much are you able to borrow today to buy your apartment (to the nearest dollar)? Please do not include dollar signs or commas in your answer.