Suppose that you took a mortgage of Rs.1,00, 000 on a house to be paid back in full by 5 equal annual instalments, each consisting of the interest due on the outstanding balance plus a repayment of a part of the amount borrowed. If you decided to clear the mortgage after second year, how much money would you need to pay on top of the 2nd instalment, assuming that a constant annual compounding rate of 8% applies throughout the period of the mortgage?