Paul takes a loan of $150,000 from the bank at 4% interest rate per year over a 10-year period. He plans to pay off the loan in 10 yearly payments of $10,000 each, and with the money that he is going to inherit from his grand parents. How much should he inherit to pay off the entire loan if the grand parents give him the money at the end of the 5th year and he hands over the entire amount to the bank on the day he receives it?