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 (24monthly payments to be paid at the end of every month). a. What is the monthly payment on the loan? b. Afinancial advisor approaches you and offers to refinance the loan for a consultancy fee of $8,000. The new loan has the same charac-teristics as the current loan but carries a 0.75% monthly rate. Should you refinance the loan? Please show this using excel and amortization table.