Mr Djembi borrowed GH200,000 from his bankers to buy his dream house. Repayment is over 4years and first payment is due one year from hence. He will make equall payments to amortise both the principal and the interest, which is calculated on reducing balance basis. The bank will cahrge 5% above it's current rate of 20% per annum.1. Analyse the amortization schedule interms of it principal or interest