Subprime loans are a certain type of loan that can be useful to people who, for some reason, cannot get a loan on better terms. More Topics from this Board [SPOILERS] Got 100%, saw the Perfect FMV ending, wrong scene plays after. I’m actually endgame and have about 6. Origin: native. You will then be brought to the Sphere Grid Menu. 001 or more. Can You Mine Crypto On Your Phone - How Much To Invest In Oaka Ffxbest real estate investmentsis dogecoin a pyramid schemehow much do u need to invest in real estatewhere can i invest in shiba inu coinThe world lies on the brink of destruction. He appears at seemingly random times in the game to take pictures of Yuna. . A consolidation loan is a loan that can be described as a loan that a person takes to pay off another debt or some liabilities. Read on for tips and strategy about how to beat Fafnir , including Fafnir's stats and other useful information. If you do it right you can make $90,000. Now for the net wage. Fidelity 401k loan how to - the best way to get money. 1 Weapons and Armour. "If you take out a loan to buy a house, you change the loan term from 10 years to 30 years, your monthly payment is lowered, and you feel that your finances are. When your HP gets low, use a Potion, especially if Blender is upcoming. One of them is waiting for the MIP to expire. Top; FFX Walkthroughs; FFX Characters;. Donating to the Crusaders. 1001 – 10000 = all items and weapons will get a 20\% increase in prices. Pay off O'aka's debt. Capture. You can't customize that yourself. Yep, you pay 10,001 Gil for a Ring for Yuna, IIRC. There are 67 achievements to unlock in Final Fantasy X / X-2 HD Remaster worth a total of 1000 gamerscore. How Much To Invest In Oaka Ffx - Is A Wood Stove Worth The Investmentbest altcoins to invest in 2022financial asset management systems inc woodstock gacrypto what happened to lunacash app bitcoin credit cardThe tenth game of the Final Fantasy series, Square's 2001 best-selling role-playing video game Final Fantasy X features several fictional characters designed by Tetsuya Nomura who wanted the main characters' designs and names to be connected with their personalities and roles in the plot. Koľko peňazí mám dať OAKA? 0 – 100 gil = ceny všetkých predmetov a zbraní sa zvýšia o 100 %. Usually, a consolidated loan offers a possibility for a borrower to pay off his or her debts with lower interest rates and fees than in case if it would be done with paying off all small loans one after another. This is all fairly straightforward and your characters will level appropriately to help you progress through the game. ago. Being a traveling merchant, O'aka sells you items at a markup unless you give him a large sum of money. Bagaimanakah saya boleh mendapatkan FFX yang. blogspot. LEND meaning: 1. That is why you may also hear. After speaking with O'aka to the door under the stairs that says "Power Room". Also later on in the Calm Lands there will be a piece of armor that has Magic Counter, which is unique to that piece. Note that you can get some valuable Teleport Spheres from Yojimbo if you offer him triple his asking price. You should endeavor to donate 10,001 gil to O’aka XXIII. The area is chiefly known as the site of the ill-fated Operation Mi'ihen where the Crusaders and the Al Bhed join forces to defeat Sin. You can get almost all the Gil you need if you get the data thst. Top Voted Answer. Riddle Game XLVI. Final Fantasy X (FFX) Walkthrough Team. com For example i saw a lightning job card with 4 o'aka: Looks like good ol' o'aka the xxiii has gotten himself into a bit of trouble with the al bhed. And this is ignoring Wakka, Lulu, and Yuna's insane amount of development. A hi-potion costs 500gil, but the hi-potions he sells costs 750gil, thats 50% higher. #3. Save your 100,000's of gil for bribing for armour customisation items. O'aka the twenty-third, merchant extraordinaire! O'aka XXIII is a non-player character in Final Fantasy X and Final Fantasy X-2. Final Fantasy X-2: Profitable Hi-Potions Lend O'aka 100,000 Gil to help pay off his debt in order to receive a permanent discount on anything he sells later on in the game. You have 4 chances to donate money to O'aka, and the only thing that matters is the sum you've donated over all 4 chances. 12x5+125+25+75=285 285x99 max items= 28,215 for reselling. 17Master 6 years ago #3. Course: This one is a lot more difficult. For Final Fantasy X / X-2 HD Remaster on the PlayStation 3, a GameFAQs message board topic titled "Advice for newcomers (Early Overdrive Modes, free potions and Tidus Overdrives)". Final Fantasy X / X-2 GUIDE. Overdrives are powerful attacks available when a character's Overdrive bar is full. AverageCanadianEhh • 10 mo. How much should I give him to get the maximum discount for the rest of the game?After first meeting him, I checked the wiki and found out that the highest reward-level required a donation of 10. Ffx how much money to lend oaka - the best way to get money. In New Game Plus, his debt will be 1,000 gil plus whatever. To apply for the FHA loan program, a borrower must have a credit score of 580. Here's the list of donations and their effect. Скільки грошей я повинен дати oaka? 0 – 100 гіл = Усі предмети та зброя отримують 100% підвищення ціни. You have 4 chances to donate money to O'aka, and the only thing that matters is the sum you've donated over all 4 chances. Lend O'aka 10,001 Gil. Just go to the second ocean screen and back up 33 times and you'll have 99 potions for free, and if you steal grenades off the enemies, you can easily get enough gill by selling the 99 grenades in Besaid for around 9000 gill, making it much easier to lend O'aka the full 10,000. 1001 – 10000 = visų daiktų ir ginklų kainos bus padidintos 20 %. All items/weapons will receive a 50% increase in prices between 101 and 1000 gil. Normally, each loan has its terms that depend on the size of the loan, its interest rate, and several other parameters of the loan offer. (Outside the main story is another story though. You may have lent him gil before, but make sure that you have given him a total of 10,001 gil before passing through this area. Go down the stairs at the back of the ship. Similarly, capture insects for 60x mana tonic. Shinryu is an Original Creation monster bred at the Monster Arena in Final Fantasy X. Final Fantasy X / X-2 HD Remaster. Take the shimmering path until you reach the intersection. 1: Normal damage is inflicted. If you are planning a wedding, a home renovation, etc. Because a loan is unsecured, banks tend to give the highest rates to these loans. In a loan, collateral as a term can be described as an asset that the lender and borrower agreed to write in the agreement as a security of a loan. If you donate between 101 and 1000 gil,. Gil doesn’t play as important of a role in Final Fantasy X as it does in some of the other games in the Final Fantasy series, but there are a few times where you may need a fair bit of cash, including…. with a (plus 4 to strength) node and then re activate it. O'aka is a traveling merchant that you will first encounter in the s. Overdrive (オーバードライブ, Ōbā Doraibu?) is the Final Fantasy X version of Limit Breaks. 1001 – 10000 = alla föremål och vapen kommer att få en prishöjning på 20 %. Take it, leave us alone, okay? Bribe (わいろ, Wairo?) is a special skill in Final Fantasy X. So, basically, collateral in a secured loan is used as a motivation for a borrower to pay off the debt. So if a borrower cannot pay off a debt, the lender will keep collateral with no legal repercussion against the borrower. In Chapter 2, go to the inn in Guadosalam. If you donate between 101 and 1000 gil,. S. Auto-Haste is an Armor Auto-Ability for the game Final Fantasy X. 101 – 1000 gil → toate obiectele/armele vor primi o creștere de 50% a prețurilor. Later on, Wantz takes over his brother's business as a merchant. Ap can be obtained normally by having characters participate in battle and stay alive. To. 226 . 1. After you defeat Yunaleca you can find O'aka in the Sphere Theatre in Luca. More than 50 direct lenders! Ffx what happens if you lend money to oaka - with Zangocash!. Shop Collectible Avatars. But if a person is faced with a refusal on loans from all banks, they will have to take out this loan. Prior to Operation Mihen, you can go down the old road. However, when you speak with him you will find he has retired and that his nephew Wantz has taken over the business. Ochu je sovražnik v Final Fantasy X, ki ga srečamo ob cesti Moonflow's. Final Fantasy X; Oaka on the S. How do you break HP limit in FFX? Final Fantasy X. And some loans take years to be paid back. کھلاڑی O'aka کو جو رقم دیتا ہے وہ مشروم راک روڈ پر اپنی دکانوں پر قیمتوں کا تعین مندرجہ ذیل طریقے سے کرتا ہے: 0 – 100 gil → تمام اشیاء/ہتھیاروں کی قیمتوں میں 100% اضافہ ہوگا۔ 101 - 1000 گل → تمام اشیاء. S. Item. The stat values that you can achieve are as follows: Warning! The Luck stat…. A recurring type of shop is the Rin's Travel Agency that has many outposts in the world. What is the minimum amount of Level 3 key spheres needed?For Final Fantasy X on the PlayStation 2, a GameFAQs message board topic titled "Loaning money to O aka. If you are planning a wedding, a home renovation, etc. 101 – 1000 gil → vsi predmeti/orožje bodo dobili 50% zvišanje cene. 101 – 1000 гіл = всі предмети та зброя отримають 50% підвищення ціни. $200,000. Late Payment Fee. 101 – 1000 gil -> all items/weapons will get 50% increase in prices. Subreddit for all things Final Fantasy!A loan estimate is a paper that you receive after three days after applying for a loan. Winno Investment Total/Goods Price 1-100 Gil/Standard Price x 2. Hence the functionally Luck +50. 1001 – 10000 = всі предмети та. After that reload and use the numbers (they are the same, you don't actually need the key). Is it worth it to get Moon Ring (by donating 10000gil) ? HE6E3UMEHHU 12 years ago #1. My goal is for FFXED to be able to open save files without removing the "junk" bytes at the end, and without having to recalculate the checksum. 10001+ Gil = 75% price. 2 Items. Oy. Cause of Malboros in Calm Lands. DeaMaxwell posted. but it's debatable if that's really. wektu release:2023-08-11 06:03:24. Armor abilities can be customized to create new armor pieces. 5: Weakness; at least 1/2 more damage is inflicted. A loan default can have grave consequences, whether it is a secured loan, and in this case, a. Ffx what happens if you lend money to oaka - the best way to get money. See All. Depends how much you want to buy from his 3 apperances in mushroom rock road, you're trying to balance the bribe for cheaper prices. However, this amount may vary depending on the average house price in the state. Well, the money trick only works in NG+, so you should know already when Chapter 2 ends. 5K, assumed ages of 28 years old and an interest rate of 4. Liki S. Monster arena guy gives you 99x stamina tonic. The short-term market is in the repair stage, you might as well look at the situation below first! If the volatile market is fast, it will end in a few days, and if it is slow, it will end in a week or two. 3) Farm spheres near that same boat from simple fish fiends (you can heal with the save sphere). reReddit: Top posts of December 2, 2021. • 9 yr. 0 – 100 gil -> όλα τα είδη/όπλα θα έχουν 100% αύξηση στις τιμές. More than 50 direct lenders! Ffx how much money to lend oaka - with Zangocash! Giving o'aka gil is essentially pointless. How Much To Invest In Oaka Ffx - Investment Firms Philadelphiawhat will dogecoin be worth in 2025bitcoin transaction acceleratorhow to invest in amazon stock with little moneydry out geometry dash coinsHiWhat is the most efficient or "best" method of getting an aeons stats higher? Also, what is the marelease time:2023-08-14 07:46:05. In general, market rates for private money loans range from about 6% p. 101 – 1000 gil → semua barang/senjata akan mendapat kenaikan harga 50%. Items/weapons with a value of 10001 will receive a 30% discount on all prices. ago. Shinryu counters hostilities. After speaking with O'aka to the door under the stairs that says "Power Room". How Much To Invest In Oaka Ffx ️️ How To Invest In Jordan Shoeshow to earn from amazon without investmenthow to invest in warren buffettare emerging markets. Mi’ihen Highroad. Hur mycket pengar ska jag ge till OAKA? 0 – 100 gil = Alla föremål och vapen får en prishöjning på 100 %. tolerance0 15 years ago #8. FFX: 40-50 hours to complete, ~75 hours to 100% (secret summons & sidequests). in fact How much Gil do I lend OAKA? 101 – 1000 gil = all items and weapons will get a 50% increase in prices. It can be customized to a weapon by using 50 Wings to Discovery. An installment loan can be a usual type of credit line when the lender gives the whole requested sum of money at one time to the borrower. The follow up to one of. Final Fantasy X-2 [] O'aka's debt changes based on the game mode. It was released in July 2001 for the PlayStation 2 and has since been re-released as part of the Final Fantasy X/X-2 HD Remaster for PlayStation 3 and. There's hints scattered around spira in al bhed. Thank you for the help but are you sure he sells at 75% if you give him 1001 because the guide I'm using says the following: Investment Price level 0-101 Gil Shop x2. 1 Weapons and Armour. Before you borrow money from a bank or from. Donating gil to o’aka xxiii has the following effect: Source: pic-power. Start investing in loans. A financial company estimates the market price for an estate and calculates beneficial for organization loan size. The shops' stock tends to change after the party obtains the airship. The first thing you need to know about O’aka is that he only accepts Gil from players with a high level. 267 posts, 11/15 3:45PM. This page contains information about the travelling merchant O'aka XXIII in the game Final Fantasy X (FFX, FF10). Even if the number is high enough (which is a bad indicator), the bank will still give you the. And it's much less of a pain in the balls to get to than Wantz. s. When Armageddon is used, the turn counter resets to 0. With collateral, a lender secured their investments. Push the. In the various theaters of war in 1942, our allies fought with renewed. release time:2023-08-13 17:34:43. The contract between lender and borrower determines all the conditions of a loan and especially the terms for payments, their size, and fixed interest rates. The amount of money the player gives O’aka determines the prices at his shops at the Mushroom Rock Road, in the following manner: 0 – 100 gil → all items/weapons will get 100% increase in prices. The best examples of unsecured loans. Boards. . How much should I lend OAKA FFX? 0 to 100 gil -> All items/weapons will see a 100% price increase. Or this loan can be provided by a lender that FHA authorized. The monster arena merchant sells blank slate tetra armor and 4-slot weapons that are empty. 1001 – 10000 -> all items/weapons will get 20\% increase in prices. Boards. 10001+ -> items/weapons will get 30% discount on all prices. However, there are ways to get rid of MIP, such as paying off the FHA loan. Push the. Learn everything you need to know about FFX’s expert sphere grid and O’aka’s gil lend strategy. How Much To Invest In Oaka Ffx - Busd Smart Chain Contract Addressbisnis investasi uang onlinewhat is future of shiba inuhow much are investment bankers paidtop 5 cryptocurrency for long term investment. Final Fantasy X / X-2 HD Remaster. How Much To Invest In Oaka Ffx - How Much Is A Bitcoin Worth In Us Dollars-Work only needs 10-30 minutes of working time per day, and you can get 50-5000 US dollars. Donating gil to o’aka xxiii has the following effect: Source: pic-power. How Much To Invest In Oaka Ffx - Money Management Ideas “Even though this attack was longer and introduced 4,000 blocks, double spends were reduced due to our coordination with the exchange. Later on, Wantz takes over his brother's business as a merchant. Once you reach the end of a particular character's sphere grid path. To be on your way to getting unlimited gil, you first need to get O'aka on your airship. Travel Agency The Travel Agency is located just outside the woods. As for Ethereum, it also broke through the 2000 mark in February, and the highest reached around 2040. 2. As American troops took up battle stations abroad, our allies began to provide reverse lend-lease aid to them—that is, without payment by us. At Swaper, the auto-invest function makes it very easy to start lending and is our most popular feature. Mimics drop 50,000 Gil everytime you defeat them. There is also a ticket selling sidequest and an information selling sidequest that will produce enough Gil to pay off the O'aka debt. This page contains information about the most reliable way to obtain customizable armors in the game Final Fantasy X (FFX, FF10). It is also not necessary for. Balthierlives • 10 mo. The maximum value for any of your stats is 255. This practice is basic for so-called secured loan offers. After the rebound, it depends on the close-up at the hourly graphic level. Equipment Customization. FF X-2 question bout O'aka's debt If i failed to pay off his debt before CH3 but i pay off his debt after starting CH3 , will this effect the 100 % progress? Showing 1 - 8 of. Will Shiba Inu Ever Hit 1 Dollar - How Much To Invest In Oaka Ffx. 10001+ = daiktams ir ginklams bus taikoma 30% nuolaida kainoms. Fighting Arena Monsters. But if a person is faced with a refusal on loans from all banks, they will have to take out this loan. Oplatí sa dať Gil do OAKA?Ffx lend oaka money code Ffx lend oaka money cheat GhettoVCR 11 years ago #2 from what I remember, lending him money won't make his items cheaper, but if you help him pay off his debt he will sell empty 4 slotted armor for you to buy at 100K gil a piece or such. Fighting Arena Monsters. 18% in 2001, 4. As a result, he raises the price of everything to 200%. wektu release:2023-08-13 18:50:16. Talk to the group of soldiers as you approach them, specifically the soldier who approaches the screen, to receive an Ether. Top;. When you reach the 4-way area (after the Bevelle guards iirc), enter the northern screen. 57% in 2011, and 3. 50% increase to base price. It is a small institution with an enrollment of 240 undergraduate students. More than 50 direct lenders! Ffx how much money to lend oaka - with Zangocash!Giving o'aka gil is essentially pointless. So level Tidus all the way down to the end of his path, Auron down his, Yuna down hers etc. 115x99 max items=11,385. $672,981. Final Fantasy X / X-2 HD Remaster. Ideal amount is 1001 gil as the savings from 10001 isn't more than the item discount you'd get. Bitcoin price is currently below ,000, but still above the important support level of ,500 . This strategy requires access to the Omega Ruins by inputting its coordinates in the airship. Collateral can be any object, however, usually as a collateral act such objects as real estate property (especially in a mortgage), cars, or some financial assets like stocks of companies. Boards. This number is also necessary in order to determine how risky it is to issue a loan to this individual. Loaning him nothing is a bad idea as he'll charge you more. He will give you a clue as to who to sell it back to. 10,001+ gil. As a result, he raises the price of everything to 200%. This guide gives you a way of paying off Oaka’s debt without needing to grind for Gil. Ultima Weapon is one of the few bosses that can be bribed (the other one is Lord Ochu in Kilika Jungle). Amount. So it's not really worth it. O'aka will be down there and you can give him Gil one last time. Teach cure to Kimahri if possible. How much gil to give oaka final fantasy x 10 walkthrough besaid kilika luca. He is a traveling merchant who sells items and equipment to. Some good pointers and advice from someone who got its platinum recently:. The Moon Ring for Yuna. Nemesis will use Armageddon around his 7th to 9th turn so make sure Auto-Life is always up during this time. Spending 100,000 gil on. Enter the original Loan amount (the full amount when the loan was taken out) Enter the current payment number you are at - if you are at month 6, enter 6. There are five 12, a 125, a 25, and a 75. 0A complete walkthrough for Mi'ihen Highroad in Final Fantasy X (FFX), including enemies encountered, obtainable items, and boss strategy guides. Throwing it at Enemies. Later in the game you'll be allowed to customize your equipment, that is, add specific abilities to your weapons and armor. · Buying. ago. There's hints scattered around spira in al bhed. As I was playing in Chapter 3 at the Thunder Plains, one Congrats! got me over 20,000 gil. Using our Loan Balance Calculator is really simple and will immediately show you the remaining balance on any loan details you enter. Final Fantasy 10-2, like so many RPGs, has a wealth of side quests available to players. The game takes place in Spira that features multiple. And as soon as you get the airship you can go to Omega Ruins and farm Mimics for 50k Gil each (100k with gilionaire!)History. The debt collectors die in Ch 3 regardless of what you do with O'aka. Last updated on: August 28, 2020 02:07 AM. 7 And it states that and investment of 10,001 Gil will only pay off if you later buy 23,336 on the mushroom rock. 2. Even after five years, there are some restrictions for banks. Gil has several uses. Topic Archived. S. Finished the game 100% in one play through, paying at start of ch3 works fine! Also, make sure to capture atleast one choco before the end of ch3. Even to borrowers who pay more often and more than it was. There is huge variance in interest rates charged by private lenders based on the specific project plan, property, deal structure and borrower quality. Share More sharing. Overdrives are special abilities unique to each party member executable by filling their Overdrive gauge. Once you are inside the mountain, head up and left towards the save point. ele. no point giving him more than the potential discount on offer. You need about 33 or 34 to pay the debt. AverageCanadianEhh • 10 mo. , you will apply for a personal loan. Buying Music and Movie Spheres. 50 for every PHP200. making it much easier to lend O'aka the full 10,000. But can i lend him 4 times 250 gil instead of once 1000 ? TiggerArmy 13 years ago #4 yeah except one of those times you should give 251. Bribing Monsters. How to Obtain 4 Slot Armors? Buy Them from Wantz in Macalania. Cheats. General Challenges Thread IV (**SPOILERS**) 237 posts, 11/17 7:48AM. In addition to a sum of money, a borrower needs to pay back extra costs calculated with interest rate. The chest at the end tucked away I'll get eventually. How Much To Invest In Oaka Ffx - Swell Investingcrypto tophow is fisher investments differentare cryptocurrencies like bitcoin a good investmentupcoming investments. Run over to the glowing white tile over on the left to reset the position of the pedestal. Where you set your own private lending interest rates is down to you. One year later, in 1983, OAKA Stadium. ). Ignore the 1st and 2nd intersection then go right at the. 1,001 is the sweetspot. Then spend as much of that at O'aka's, sell stuff you don't need to Barkeep, repeat until debt is paid. Subprime loans are characterized by extremely high interest rates, which should be avoided in other cases. Lending Gil to O’aka will lower the prices of certain wares. 5. Over the past 24 hours, DOT is up 4. Can You Mine Crypto On Your Phone - How Much To Invest In Oaka Ffx-Join Defi mining, sleep can also get profit time:2023-09-29 14:43:01. Proceed to Dock 4, just follow the red indicator. Plus, this is doable in chapter 1. Mushroom Rock Road is a road and mountain formation between Djose and Mi'ihen Highroad in Final Fantasy X and Final Fantasy X-2. Press X to open up the window to the control room and then give them their balloons. (Be sure and find the Destruction Sphere and use it for each temple as you go. Or grinding against machina in Luca. Now it gets interesting. The control level, that is, the support level in the early stage, has become the top conversion point at the. time:2023-08-26 23:03:36. 2 Kilika Island. This is a list of shops throughout Spira in Final Fantasy X. 1,001 to 10,000 gil. Table of Contents. Ending #2 ("Normal") Hear no whistles in the Farplane during Chapter 3, and complete the game with any level of completion. 9 million gil. . Final Fantasy X | Table of Contents | Gameplay | Walkthrough | Enemies | Aeons | Equipment, Items, Shops, & O'aka | Blitzball | Al Bhed Primers Contents 1. Prior to Operation Mihen, you can go down the old road. This means you and your employer should contribute at least ₱150 each. 1. Doing so a couple times will eventually get you to the point where 2048, or even 1024 is all you need for consistent Zanmato. Like any other loan type, a personal loan also comes with interest. reReddit: Top posts of December 2021. This page contains information about the Traveller's Save Sphere in the game Final Fantasy X/X-2 Remastered (FF 10, FF X). If you pay oaka 1001 Gil the total for all three weapons plus the Gil lent is 22,811 whereas if you lend him 10,001 the total is 22,723. 0 - 100 Gil = 200% price. X is pretty much the easiest FF ever made, there are really only 2-3 story bosses that should ever give you enough trouble to risk a game over. Nowadays, banks in the US set the interest rate for clients with good credit history on the rate that is close to the US federal funds rate, which now is about 4%, but for subprime rate loans, banks charge much more because they are afraid of default. . And i pay off his debt at the start of CH3, and its make me anxious because i read most of the guides tell u to pay off his debt before CH3. This document contains complete and detailed information about the monthly amount to pay, the interest rate, all fees that are charged to you as a borrower, and other conditions for repaying the sum that has been borrowed by you. APR usually stands for an annual percentage rate which we can use with any type of loan would it be some mortgage or a small loan through a usual credit card. Wantz is O'aka XXIII's younger brother in Final Fantasy X and Final Fantasy X-2. So if you donate to him, he'll give you a. Create a wiki. A loan underwriter is an individual or company that acts as a certifier and bears the costs in case of non-payment of the loan by the borrower. The David Pressley Cosmetology acceptance rate is 100%. However, later on in the game. If it breaks the . 3. Get the access to up to 50 Installment loan lenders in 1 click. 10. Buying a brand new EC (without taking out a loan from your parents): Description. Mimics drop 50,000 Gil everytime you defeat them. How Much To Invest In Oaka Ffx - How To Learn About Stock Market And Investing. It’s listed here because of what it does. The attacker bought enough computing power from the mining pool to take over the network. Of these, YKT-11 and YAT-97 are by far the easiest (plus they come in groups of 3 mixed machina most of the time, so you get 3 shots at the item), but. In case of a default of an unsecured loan, the borrower either goes to court or sells the debt to the specialized agency. Mushroom Rock. The third step is calculating the number of payments for the entire mortgage period.