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You want to buy a car, and a local bank will lend you $20,000

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You want to buy a car, and a local bank will lend you $20,000. The loan would be fully amortized over 5 years (60 months). and the nominal interest rate would be 12 percent.
a) What would be the monthly loan payment.

 b) What would be the loan's EAR? 
Answer must be rounded at 2 decimals