Suppose you need to borrow 500000 USD to buy an apartment in NY, and the bank, CIBC, offers you a five-year term for a mortgage with a rate of 5.2% (compounded semi-annually) to be amortized over 25 years of monthly payments. a) Determine your monthly payment. b) For the first monthly payment, how much is interest, and how much is principal? c) After 5 years of payments, how much principal is remaining on the mortgage?