A loan of $12,000 is repaid with annual payments of $1,500, starting from the end of the second year and continuing as long as necessary. The annual effective interest rate is 6%. Calculate the amount of the final payment if it is larger than a regular payment. (use a decimal number, rounded to the nearest 100 th, without $ sign. For example, 1234.56) A loan of $12,000 is repaid with annual payments of $1,500, starting from the end of the second year and continuing as long as necessary. The annual effective interest rate is 6%. Calculate time of the final payment if it is larger than a regular payment. (ballon payment) (Use an integer value)