After graduation from the university, Cain got a good job with a steady income. Cain's younger brother Abel asked to borrow $$10,000$ from him and promised to pay the money back in $5$ years with equal annual payments. Cain earned $8\%$ annual rate on his savings and offered his Abel the loan with annual payments of $$2,200.$ He would consider the loan paid off at the end of year $5.$ Abel was upset and argued that he should only pay Cain $$2,000$ a year $($$$10,000/5=$ $$2,000)$ instead of $$2,200.$ What is your thought? Perform relevant calculations.