5. mortgage restructuring)an investor purchased a small apartment building for$250,000. she made a down payment of $50,000 and financed the balance witha 30- year, fixed-rate mortgage at 12% annual interest, compounded monthly. for exactly 20 years she has made equal-sized monthly payments as required bythe terms of the loan now she has the opportunity to restructure the mortgageby refinancing the balance. she could borrow the current balance, pay off theoriginal loan, and assume a new loan for the balance.(no points or any othercharges are involved in the transaction. )the new loan is a 20-year, fixed-rateloan at 9%, compounded monthly, to be paid in equal monthly installments. suppose she has a risk-free savings account that pays 5%o, compounded monthlyshould she restructure the mortgag