If the real interest rate is estimated to be 2.5%, the annualized rate of inflation is estimated to be 1.9%, and the risk premium for the market is estimated to be 4.0%, what is the associated risk-adjusted return for the market

You have just taken out a $400,000 mortgage to enable you to purchase your new home. The mortgage is an annual pay mortgage at an interest rate of 5% per year with a 25-year amortization. The interest rate is fixed for five years at which time a new interest rate will have to be negotiated. How much will be owing on the mortgage at that point in time?