A $$185900$ mortgage is amortized for $20$ years at $5\mathrm{.}45\%$ per year for a five$-$year fixed term.

a$)$ Determine the monthly payment.

b$)$ Determine the total interest paid after five years.

c$)$ How much debt will need to be refinanced after five years?

$($ Use TVM calculator$)($ I$\text{'}$m Canadian so must be compounded semi$-$ anually $($C$/$Y: $2))$

The answer must be

a$)1267\mathrm{.}17$

b$)46337\mathrm{.}15$

c$)156206\mathrm{.}96$