Given a loan with the following characteristics:

Co = 50,000

Annual effective interest 6% to be amortized in 6 years, and knowing it is a level-fixed payment-rate loan.

Just before making the payment of the second annuity, it is decided to change the amortization method, starting to be amortized through constant principal repayments loan.

a) Outstanding debt just after making the payment of the 3th annuity

b) Amortization schedule for the last 3 years