please show eqaurions and process

(4) You plan to borrow $20,000 at a 4.5% annual interest rate. The terms require you to amortize the loan with 5 equal end-of-year payments. How much is your annual payment? How much interest would you pay in the first year? By how much would you pay down (reduce) the principal in the first year? (5) You have the opportunity to buy a perpetuity that pays $1,000 annually. Your required rate of return on this investment is 12 percent. How much is the present value of this perpetuity? (6) Your monthly mortgage payment on your brand-new Honda Civic is $375.48. It is a 5-year loan at 3.99% compounded monthly. How much did you borrow