12. The Central Credit Union offers 2 home equity loans. The first has a 2.99% annual interest rate for loans of 0-60 months. The second has a 3.49% annual interest rate for loans of 61-84 months. a. What is the monthly payment if you borrow $15,000 for 60 months? What is the total amount youd pay for this option? b. What is the monthly payment if you borrow $15,000 for 84 months? What is the total amount youd pay for this option? c. Which deal is best for you?