$3\mathrm{.}2$ Tebogo buys a flat at the beachfront for R$850000.$ She takes out a loan from the bank at an interest rate of $14,25\%$ per annum compounded monthly. Her first instalment will commence in one month after she has taken out the loan.

$3\mathrm{.}2\mathrm{.}1$ Calculate the monthly repayments over a period of $20$ years.

$[4]$

$3\mathrm{.}2\mathrm{.}2$ If the monthly repayment is increased by $20\%$ before the first payment is being made towards the loan, determine the number of payments that will now be made to settle the loan.

$[4]$