Please SHOW working out DO NOT USE EXCEL. Thank you!

Amy has taken out a loan of $100,000 today to start a business. He has agreed to repay the loan on the following terms:

Repayments will be made on a monthly basis. The first repayment will be made exactly one month from today.

The repayments for the first 5 years will cover interest only to help reduce the financial burden for Amy business at the start.

After the 5-year interest-only period, Amy will make level monthly payments that will fully repay the loan after an additional 15 years (i.e. 20 years from today, the loan will be fully repaid).

10 years have passed, and Amy's business is doing well. Further, he has made all the repayments on his loan so far as described above, and has just made the repayment due today. However, it has just been announced that the interest rate on Amy's loan will go up to 5.5% p.a. compounding semi-annually

d) Calculate the new equivalent effective monthly rate on the loan

e) Calculate the current loan outstanding (again, it is 10 years after the loan was initially taken out). Note that the new interest rate only applies from today onwards.

f) Because Amy's business is doing well, he decides to repay a lump sum of $10,000 immediately. To further reduce the amount of interest he is paying to the bank, he will increase his monthly repayments to $1,000 per month. How many full repayments of $1,000 does Amy have to make in order to fully repay this loan? (Note: Amy may need to make a further, smaller payment in the subsequent month

g) Calculate the size of the smaller payment.