AR 5. Refinancing question (Please show your calculation in an excel template and upload this template to Canvas): Suppose you purchased a town house in Natiek two year and 8 months ago at a price of $320,000. Your down payment was $32,000 and you borrowed the rest through a 30-year mortgage at 4.8% annual rate. Now you find out the interest rate has gone down to 3.2% (annual). If the total refinancing fee is $3800, should you refinance your mortgage or not if you don't plan to sell your house in the next 6 years