5-4) If you sign up for a savings account with an annual interest rate of 12% (1% per month) that you will receive 4 million won in 2 years, what is the monthly amount you have to pay? However, suppose that interest is accrued at the end of the month. (Annuity formula applied: future value)

(5-5) After 10 years, the estimated price of an apartment of 20 pyeong is 200 million won. If you save a certain amount every year for 10 years in a fixed deposit with an annual interest rate of 10%, how much should you save? Can you buy an apartment in 10 years? (However, payment at the end of the year)