do it on excel

(5) The $150,000 start-up fund is not easy to raise. But luckily you can get a loan from the bank after your parents agree to use their home equity as a collateral. You are able to get the full $150,000 loan amount. The loan will be amortized monthly over 15 years. In other words, the bank requires monthly payment, and the term of the loan is 15 years. The interest rate is 4% for the first 5 years, and 5% for the next 10 years. The monthly payment will change during the loan term, too. Specifically, bank requires a fixed monthly payment for the first 5 years, then the fixed monthly payment steps up 10% 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