You are planning to buy a flat in Hong Kong on behalf of your family. Assume that this is your first time buying residential housing, so you are exempted from special stamp duty. Further assume that the mortgage ratio is 80% and you intend to borrow the maximum amount of loan at this percentage. (a) Take a picture or screen capture) of the posting of the property that you are interested in and present it. The picture must show the ask price of the property. (b) Your banker is having the same valuation as the ask price of the property. Calculate the down payment required. (1 mark) Note: You must list out the formulae that are used and show the steps for the calculation. (c) Compare the interest rate of different banks and find the best rate for you. Then calculate the monthly payment for 20 years. (1 mark) Note: You must list out the formulae that are used and show the steps for the calculation. (d) Construct the loan amortization table for the first year of your loan by presenting an EXCEL table which includes: the information on the numbering of each payment, beginning balance of the loan, monthly payment, the amount paid for interest, the amount paid for principal, and the ending balance of the loan. (2 marks) Note: You must list out the formulae that are used and show the steps for the calculation. (e) Calculate the total interest payment for the whole period. (1 mark) Note: You must list out the formulae that are used and show the steps for the calculation