DON'T USE AMORTIZATION TABLE AND EXCEL !!!!!!

please write answer step by step with explanation so i can understand

the correct answer is : 10.853,3

okayy thank youu.

Jeay borrows 19,800 from Bank X. She repays the loan by making 36 equal payments of principal at the end of each month. She also interest on the unpaid balance each month at a nominal rate of 12%, compounded monthly. Immediately after the 16th payment is pays made, Bank X sells the rights to future payments to Bank Y. Bank Y wishes to yield a nominal rate of 14%, compounded semi-annually, on its investment. What price does Bank X receive? or for 10 years. If