Question

A couple wants to lend money using the house value as a cover. The lender will lend them 70% of the value of the house. The couple bought the house 12 years ago for $ 79,000. The house is financed by a deposit of 20% and a mortgage loan at 30 years and 12% interest on the unpaid amount of debt. Equal monthly repayments will be amortized over a 30-year period. The net worth of the house now is $ 100,000. After the 144th monthly repayment, the couple asks the lender for the maximum amount of the loan. How much money (up to the nearest dollar) will the couple get?