Eighteen months ago, Amy deposited RM 3,000 in a saving account earning 5% interest compounded semi-annually. At the same time, she deposited RM 150 at the end of every month in another account earning 3% interest compounded monthly. Today, she intends to withdraw all her money from both account to pay part of the 10% down payment for a new car. The cash price of the car is RM 80,000. a. How much is the total withdrawal from both account.

b. Amy plans to take up a loan from a finance company to finance the 90% balance of the car price. The finance company charges interest at 4.5% compounded monthly and the loan is payable in 8 years. How much will the monthly payments be?​