4. You decide to take advantage of Subaru's 0.9% financing to purchase your next new car. You negotiate a price of $32,000 for the car and pay $8,000 as the down payment. You are borrowing the balance on a 36-month loan. Calculate your monthly payment using Excel's PMT function and create an amortization table for your loan showing all payments with the allocation to principal and interest. Reminder: Subaru's .9\% financing is an annual interest rate and you need to calculate the problem on a monthly basis