Please show step by step formulas.

32. Compute how long it would take you to pay back a credit card loan balance of $5000 if the APR is 14.9% and you make payments of $112 per month. 33. Compute the value of a 15-year mortgage that has even monthly payments of $1407 dollars per month if the APR is 2.14% 34. Assume that you want to buy a house that costs $250,012 dollars. If you make a 20% downpayment, the APR is 2.77% on a 30-year mortgage. If you make a 10% downpayment, the APR is 3.58% on a 30-year mortgage. Compute how much less you have to pay per month if you make the 20% downpayment 35. Compute how much a business is worth if it is expected to generate cash flows of $14,000 next year, S22,900 in two years, $34,800 in three years, and then $54,000 per year for the subsequent 12 years, assuming that businesses with similar relevant risk have expected returns of 18%. 36. Compute the annual expected return on a stock which has a market price of $100, pays no dividends, and is expected to sell for $152 dolars in 5 years