You purchase a house today for $147,000 with a 20% down payment. A fee of 1.25% of the loan amount is added to the loan balance. The balance is financed over 30 years at an interest rate of 0.5 % per month. You make an extra payment of $30,000 at the end of year 2. If you continue to make the regular monthly payments (from problem 5 above), how many years of payments from the original loan will you save? 12.6 years 15.5 years 7.9 years 17.5 years