Assume that you have just purchased a $75,000 house. One bank will give you a 9% mortgage with repayment in equal annual installments over 20 years with $15,000 down payment. Another bank wants a 10% rate of interest but will give you a 25-year equal-annual-installment mortgage with a $15,000 down payment. Assuming that you have that $15,000, which of the two deals will minimize the annual payments?