4. Consider a residential loan with the following information Original mortgage balance $2,000,000 Value of the property $4.500.000 Note rate 3.6% Term of the loan 30 years a. If the loan-to-value ratio of the loan exceeds 125%, the loan default is more likely to occur even the homeowner could still afford the monthly payment. What is the term to describe this behavior? (2 points) b. Find the value of the property that will trigger the behavior described above. (3 marks) c. What is the monthly payment for the loan