On January 1 , year 1 , TR borrows $54,000 to purchase a new vehicle by agreeing to a 4.0%,5-year loan with the bank. Payments are due at the end of each month with the first installment (vehicle payment) due on January 31 , year 1 . After completing the problem, ROUND YOUR ANSWERS TO THE NEAREST DOLLAR. IMPORTANT!I!! when inputting the monthly interest rate DO NOT ROUND IT (use the math function in the spreadsheet/financial calculator). 20. Determine the monthly vehicle payment (installment) \$ 21. Determine the interest expense for the first car payment \$ 22. How much of the payment will decrease the amount owed (principal)? \$ 23. After the first vehicle payment is made the amount owed on the vehicle would be: \$ 24. Determine interest expense for the second car payment $