Please show calculation process (without excel)

Nazir is purchasing a new home and need to borrow RM250,000 from a mortgage lender. The mortgage lender quotes him a rate of 6.25% APR for a 30-year fixed rate mortgage. The mortgage lender also tells him that if he willing to pay 2 points, they can offer him a lower rate of 6.0% APR for a 30-year fixed rate mortgage. One point is equal to 1% of the loan value. So, if he takes the lower rate and pay the points, he will need to borrow an additional RM5000 to cover points that he pays to the lender.

a). If Nazir do not pay the points and borrow from the mortgage lender at 6.25%. Calculate his monthly mortgage payment (with payments made at the end of the month).

b). Assuming Nazir pays the points and borrow from the mortgage lender at 6.00%. Calculate his monthly mortgage payment (with payments made at the end of the month).