I want to buy house with price $560,000. ABC Bank offers a mortgage with a down payment of $100,000(paid on the day of purchase of the apartment) and the balance financed by a 3.79% p.a. fixed interest (compounded quarterly) mortgage with a term of 20 years with quarterly payments (first payment is paid on the day of purchase of the apartment). Unfortunately, this fixed interest rate will last only two years and then the rate will be variable for the remainder of the mortgage. ABC Bank estimates that the variable rate will be 5.38% p.a. (compounded quarterly) at the beginning of year 3. For your calculation, this variable rate is assumed to remain constant over the remaining life of the mortgage. Application fees for this loan are $2,000, which must be paid in cash on the date of purchase.

So how could I find find Interest & Principal payments on a Loan? ( I am not sure because it is paid on the beginning of the period)