loan amortization schedule han xiao just closed a $50,000 business loan that she must repay her brother, who has agreed to lend it at 5% annual interest. han must repay the loan over the next 5 years, in five equal, end-of-year payments. a. how much does han have to pay every year if she has to repay the loan by the fifth end-of-year installment? b. prepare an amortization schedule showing the interest and principal breakdown of each loan payments. c. explain why the interest expense of each subsequent payment declines over time.