You are starting a F & B business and needing to borror $200.000 from The bank offers you two options: 1) a 3% annual interest rate for a 2 year loan, or 2) a 4% annual interests rate for a 4 year loan Please use the PHT excel function to 1) calculate monthly payment, interest, principle and balance 2) calculate total interests paid for both options and decide which one ends up paying more interests 24 months loan Paymen Interest Principle Balance 200,000 48 months loan Paymen Interest Principl Balance Total Interests Paid