The coldest point will be at the minimum (the lowest point) of the surface defined by the function of x and y. The gradient of this surface in the x-direction is zero there, as is the gradient in the y-direction. These conditions can be used to find the values of x and y, which, when plugged back into the expression fgor temperature will give you the minimum value.
If you look at the contour plot at http://web2.0calc.com/questions/the-temperature-of-a-point-nbsp-nbsp-in-the-plane-is-given-by-the-expression-nbsp-what-is-the-temperature-of-the-coldest-point-in-the-pla it is easy to make out the x and y values at the minimum. Plug these in to get the minimum temperature (-5).
.
To find the amount of money that you must pay per period to pay back a loan, use this formula:
A = [P·r(1 + r)^n] / [ (1 + r)^n - 1]
where: A = payback amount per period
P = initial loan amount
r = interest rate per period (example 9% per year rate paid monthly: 0.09/12)
n = total number of payments (example: monthly payments for 8 years: 12·8)
If all that you want is an answer, you may try this site: http://www.amortization-calc.com/