Ramry bought a piece of land for RM30,460.16. he made a down payment of RM10,000 and the balance was financed through a bank. He had to pay RM400 per month to settle the loan.

(b) After paying the first 47 monthly payments, Ramry settled the loan by making a final payment on the 48th payment. Find the value of this payment. Compute the total interest that he need to pay.

*i need the answers in formula, please