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# Prepare the amortization table with annual summary (0 to 4 years)

amortization_table_annual_summary = []


# Variables for annual calculation
saldo_awal = PVA
total_bunga_tahun = 0
total_pokok_tahun = 0

for i in range(1, n_monthly + 1):
    bunga = saldo_awal * r_monthly
    pokok = R_monthly - bunga
    saldo_akhir = saldo_awal - pokok

    # Accumulate annual totals
    total_bunga_tahun += bunga
    total_pokok_tahun += pokok

    # At the end of each year (12 months), record data
    if i % 12 == 0:
        tahun = i // 12
        amortization_table_annual_summary.append((
            tahun,
            saldo_awal,  # Saldo awal tahun
            total_bunga_tahun,  # Total bunga tahun
            total_pokok_tahun,  # Total pokok tahun
            saldo_akhir  # Sisa hutang akhir tahun
        ))
        # Reset annual totals
        total_bunga_tahun = 0
        total_pokok_tahun = 0

    # Update saldo awal for the next month
    saldo_awal = saldo_akhir

# Include year 0 (initial condition)
amortization_table_annual_summary.insert(0, (0, PVA, 0, 0, PVA))

# Output the table
amortization_table_annual_summa
ry