Ken has a 30-year mortgage loan of $450,000. The interest rate is 6% p.a. compounded monthly. Ken makes an equal repayment at the end of each month. Which of the following may reduce the total interest amount for the loan over the 30 years? (There may be more than one correct answer. You will lose marks by choosing a wrong answer. The minimum mark for the question is zero.) Select one or more: a. None of the options would decrease the total interest amount b. To renegotiate the interest rate to 6% p.a. compounded yearly. c. To renegotiate the loan term to 35 years. d. To negotiate an interest only period at the beginning of the loan term. e. To make week-end repayments rather than month-end repayments at 6% p.a. compounded monthly f. To make year-end repayments rather than month-end repayments at 6% p.a. compounded monthly