20. A partially amortizing mortgage is made for $180,000 for a term of 30 years. The borrower and lender agree that a balance of $40,000 will remain and be repaid as a lump sum at that time. If the interest rate is 6.50 % , what must the monthly payment be over the 30 year period? (3) $90.10 a. b. $1,101.56 $1,137.72 d. $5,285.36 e. $11,700.00 C. Why is it important to understand all the ownership rights associated with real estate and give an example of how a potential conflict of these rights may affect the value of real estate. (3) 21. Why is a prepayment and due on sale clause important to a borrower? (3) 22. Why is an acceleration clause important to a lender? (3) 23. NO