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9. You have just signed a contract to purchase your dream house. The price is $120,000 and you have applied for a $100,000, 30-year, 5.5 percent loan. Annual property taxes are expected to be $2,000. Hazard insurance will cost $400 per year. Your car payment is $400, with 36 months left. Your monthly gross income is $5,000. Calculate: a. The monthly payment of principal and interest (PI). b. One-twelfth of annual property tax payments and hazard insurance payments. c. Monthly PITI (principal, interest, taxes, and insurance). d. The housing expense (front-end) ratio. e. The debt-to-income (back-end) ratio