For questions 12 through 14, construct the partial amortization schedule indicated and calculate the total principal and interest portions represented by the partial schedule.

12. Some real estate is purchased for $850,000 with a 30-year amortization at 6.8% compounded semi-annually. Create a schedule for the end-of-month payments in the first half of the 14th year.

13. Marcel had a new cedar fence installed around his oversized house lot for $22,900. The fence company allows him to finance the purchase with end-of-month instalments for one year at 7.39% compounded annually. Construct a schedule for the first two payments and the last four payments.

14. Ron and Natasha had Oasis Leisure and Spa install an in-ground swimming pool for $51,000. The financing plan through the company allows for end-of-month payments for two years at 6.9% compounded quarterly. Ron and Natasha instruct Oasis to round their monthly payment upward to the next dollar amount evenly divisible by $500. Create a schedule for the first three payments, payments seven through nine, and the last three payments.