l. A family buys a house worth $326,000. They pay $75,000 deposit and take a mortgage for the balance at J12=9% p.a. to be amortized over 30 years with monthly payments. ll. Suppose that after making 50 payments, the interest rate changes to J2=9% p.a.: Assuming that the family seeks to continue their initial monthly payment calculated in part I, how many full payments would be required to pay off the loan and what would be the final concluding smaller payment one period later