$29.$ In the second scenario, Bao could pay back the loan in $15$ years and make a monthly payment of $$16,000$ at an annual interest rate of $4\mathrm{.}4$ percent. He wants to know the loan amount he should request with those conditions.

In cell H$4,$ insert a formula using the PV function and the monthly interest rate $($cell H$6),$ the loan period in months $($cell H$8),$ and the monthly payment $($cell H$10)$ to calculate the loan amount for the $15$ Years scenario.

$30.$ In the third scenario, Bao could pay back the loan for $5$ years with a monthly payment of $$20,000$ at an annual interest rate of $4\mathrm{.}55$ percent and then renegotiate better terms. He wants to know the amount remaining on the loan after $5$ years, or the future value of the loan.

In cell I$11,$ insert a formula using the FV function and the rate $($cell I$6),$ the number of periods $($cell I$8),$ and the monthly payment $($cell I$10)$ to calculate the future value of the loan for the $5$ Years scenario.