for #20 the question is of the total amount paid, what percentage is for the principal and what percentage is for interest? 20. A home mortgage of $200,000 with a fixed APR of 4% for 30 years 28. Choosing a Personal Loan. You need to borrow $4000 to pay off your credit cards and you can afford monthly payments of $150. The bank offers three choices: a 2-year loan at 8% APR, a 3-year loan at 9% APR, or a 4-year loan at 10% APR. Which loan best meets your needs? Explain your reasoning