You borrow from a financial institution according to the following terms:

- The loan interest rate is 6% compounded quarterly

- The term of the loan is 7 years

- The start of payments will take place in the second year.

- Years 4 and 5 you will only pay interest on the debt balance

- The last payment you make, including principal and interest, will be $ 1,000 less than the one from years 3 and 6.

- The interest portion paid in year 3 is $ 600 You need to establish the loan amortization schedule