Suppose, a homeowner borrows $100,000 on a mortgage loan, and the loan is to be repaid with equal monthly payments over a 25-year period. The lender charges 6%, compounded semi-annually. The mortgage term is 5 years fixed. What is total payment, monthly payment and interest payment based on the 5-year fixed rate and what is effective monthly rate (EFF%m)?? If the homeowner borrows $200,000 on the mortgage loan, what will be effective monthly rate (EFF%m)?Answer all these with calculations.