4. You plan to purchase a house with a value of $450 thousand dollars. ALMA bank provides you a loan with 5.55% annual rate and 2.5 points charge in order to get the loan. TOWN bank does not charge you points, but its rate is 5.91%. Both banks give you a loan for twenty years with monthly payments. Provide detailed amortization tables for both options using EXCEL, and utilize as NPV and PV Excel functions in order to double check your calculations. Present your findings in a comparative graph and describe your analysis and suggestion in plain English. Allow in your EXCEL file for an alternative, your monthly payments may be higher or lower than the payment you find using the payment function, as long as the remaining amount of the loan can be paid at the last payment period.