A loan of RM $300,000$ is taken out at an effective rate of interest of $3\mathrm{.}0\%$ per annum for the first three years and an effective rate of interest of $6\mathrm{.}5\%$ per annum thereafter. For the first two years, no loan repayments are made. After this time, level loan repayments are made monthly in arrears such that the loan will be fully repaid $30$ years after it is taken out. If repayments are insufficient to cover the interest due then the loan will be increased to cover shortfall. Construct the loan schedule.