4-105. An automobile salesperson states that his company will pay the interest for the first 12 months of your automobile loan if you buy the vehicle today. Suppose you go ahead and purchase a car for $25,000 and finance it with a 48-month loan having an APR of 9%. What is your monthly payment going to be in months 13–60 of this loan? How much lower will your monthly payment be if you finance your loan over 60 months (months 13–72)? (4.14)