how we calculate the monthly payment when we give the insurance in mortgage calculator?

if user want to take a lon for buying house.Actually the house cose is 10,0000 and the user have amount(down payment) 2,00000 So,He wants to take a loan 8,00000 from bank,and he had some amount as insurance(For Ex.5000) .Now my question is user pay monthly some amount to bank .For that monthly payment how we [...] http://bit.ly/iqwe1V