A 25-year monthly payment mortgage loan for $200,000 is offered at a nominal rate of interest of 6% convertible monthly. Calculate the, a. monthly payment of the loan. b. balance of the loan after five years. c. total principals and total interests respectively that are paid in the 5th year. After five years, the interest rate increases to a nominal rate of 7.2% convertible monthly. Determine, d. the new monthly payment after five years. e. the total interest that would be paid on the loan over 25 years.