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loan questions

(a) A loan is being repaid with month-end payments of $1,200 for 30 years at a 3.84% nominal monthly interest rate.

Find the outstanding balance at the end of 5 years. Balance at end of 5 years: ___________

(b) A 25,000 loan is being repaid with year-end payments of 2,000 for as long as necessary plus a smaller drop payment one month after the last full payment.

If the effective rate of interest is 5%; find the outstanding balance at the end of 5 years. Balance at end of 5 years: ___________