14. You have just bought an apartment and therefore take out a arrears annuity loan of NOK. 5,000,000 at an annual nominal interest rate of 3.2% paid quarterly over 25 years. How much are you going to pay in interest and installments in the second year in total? You do not need to specify how much is interest and how much is installments. 15. A serial loan with a monthly payment has an annual effective interest rate of 3.75%. What is the nominal interest rate on the mortgage? 16. A serial loan of NOK 2,500,000 with an annual interest rate of 3.8% must be repaid semi-annually over 10 years. What is the installment and interest rate in the second half of year 7? Both amounts must be displayed