5. (Interest-only loan, refinancing) Five years ago, you took an interest-only loan. The loan carries a 1% monthly interest rate, and the loan principal is $150,000. The loan has two more years ( 24 monthly payments to be paid at the end of every month). a. What is the monthly payment on the loan? b. A financial advisor approaches you and offers to refinance the loan for a consultancy fee of $8,000. The new loan has the same characteristics as the current loan but carries a 0.75% monthly rate. Should you refinance the loan