month of my birthday is may

You would like to borrow a personal loan from a bank in the amount of 30,000TL. The conditions are: Monthly effective interest rate to be charged will be 2%. Loan will be paid back by 12 equal monthly payments starting in January 2021. During 2021, you will NOT pay on the month of your birthday. The last payment will be on January 2022. A) Please write the month of your birthday. B) Determine your 12 equal payments