A homeowner is granted a mortgage at a rate of 12% p.a. compounded monthly. The loan is to be amortised by means of 240 regular equal monthly payments of R6606,52 starting one month after the loan is granted. However, immediately after the 100th payment the interest rate changes to 12,6% p.a. compounded monthly. If the homeowner continues to make the same monthly payments as before from the 101st month onwards then the final balloon payment F, (F>R6606,52) to the nearest cent, that will be required one month after the last equal payment in order to amortise the loan within the original time period