Create a new query using Query Design. From the Clients table, select the client first name, last name, and state. From the Accounts table, select the Savings Balance. Add criteria so only customers with balances under $15,000 are displayed.

Add a new field named LoanPayment using the Expression Builder. Insert the Pmt function to determine the monthly payment for a 2-year loan, paid monthly, with a 5% yearly interest rate. The present value is 25000 minus the savings balance. For example, if the purchase price were 25000, with 5000 in savings to put toward the purchase, your present value would be 20000. Ensure the number displays as a positive number.

Change the format of the LoanPayment field to Currency. Change the caption to Loan Payment. Save the query as Monthly Loan Payments and close the query.