Please solve it without using Ms.excel

1. A $10 000 loan is to be repaid with semi-annual payments of $ 2500 for as long as necessary. If interest is at j12 = 12%, create a complete amortization schedule. 2. Jones purchased a cottage, paying $30 000 down and agreeing to pay $1800 at the end of every month for the next 10 years. The rate of interest is j2 = 5%. Jones pays off the remaining balance without penalty by making a single payment at the end of 5 years. Determine the extra amount that Jones pays in addition to the regular payment then due