Describe the assessment process as related to individuals and families. Briefly identify the types of information it is important to gather. Compare how assessment at the macro level is similar and dissimilar that at the micro level. Explain how you would grab the information at the macro level. Identify a situation where a client (micro or macro) may be reluctant to engage in the assessment process. 

You decide to take out a 30-year mortgage loan to buy the home of your dreams. The home's purchase price is RM120,000. You manage to secure a RM20,000 down payment and plan to borrow the balance of the purchase price. MRCB Mortgage quotes you a fixed annual loan rate of 12 percent. i. Calculate monthly payment. ii. Calculate total interest for the loan for the whole tenure of 30 years. (5 marks)