Build a loan amortization table for the following loan. You will need to use Goal seek to solve the monthly loan amount.

The loan amount is $180,000, and will be amortized monthly over 10 years.

The interest rate is 4% for the first 5 years, and 5% for the next 5 years.

The monthly payment will change during the loan term, too. Specifically, bank requires a fixed monthly payment for the first 5 years, then after these 5 years, the fixed monthly payment increases by 2.5% starting in year 6 and will remain the same for the rest of the loan life. Build a loan amortization table showing the monthly amortization schedule.