A person has requested a loan of $ 100,000 at an interest rate of 12% per year with monthly capitalization to be paid in equal payments, of magnitudes A1, for 36 months, if after having made 16 payments, he sees the need to restructure his debt, that is, request that the remaining debt (after the 16th payment) be considered a new loan to be paid in another 48 payments of magnitude A2 under the same interest rate:

a) How much are the A1 monthly payments?

b) How much are the monthly payments in A2?

PLEASE USE THESE FORMULAS:

F=P (1 + i)" 1 P= (1+i)" (1+i)"-1 F=A A= (1+i)n-1 (1+i)"-1 P=A i(1+i)" i(1+i)" A=P (1+i)n-1