he loan is $36,000 at the end of the second year after two years of payments given in a), what is the Internal Rate of Return (IRR) for this loan now?...

    Suppose that the left-over principal of the loan is $36,000 at the end of the second year after two years of payments given in a), what is the Internal Rate of Return (IRR) for this loan now? Is this rate different from the 3.2% market interest rate? Why or why not?