Hi if you could please solve both with steps thank you and show any equations you use :)

You borrow $700000 to buy a home. The amortization period (n) is 30 years. You elect to make monthly payments (m=12). The bank quotes you a rate of 3.00%. How much principal remains owing after 4 years of making payments? Round your answer to 2 decimal places. Answer: (638647.73) You will receive $100 one year from today and another $100 two years from today. The interest rate for the first year is 2%, but rates are expected to rise to 6% in the second year. What is the present value of the cash flows? Round your answer to two decimal places. Answer: 190.45(190.53)