You are buying an office building which will carry a $4,250,000 mortgage. You have worked out some special terms. The loan will carry a fixed interest rate of 9.875 percent over 30 years. However, your payments will be based as if the rate were only 6.25%. After five years, the loan resets to a fixed 9.875 percent loan amortized over 25 years. What is the monthly payment? At the end of the first year, how much has negatively amortized? What is the loan balance after five years? What is the new monthly payment from Year 6 onward?