Answer the following on annuity without using EXCEL or any financial calculator. Use formula and with full solution.

Grace borrowed P150,000 payable in 2 years. To repay the loan she must pay an amount every month with an interest rate of 6% compounded monthly. How much should he pay every month? O a. 7,648.09 O b. 6,648.09 O c 4,814.93 O d. 3,814.29 Miss Shirly wants to deposit P18,000 semi annually in a fund that pays 5% compounded semi-annually. How much would be in the fund after 10 years? O a, 459,803.84 O b. 226,402.07 O c 495,803.84 O d. 280,604.92 How much must you invest today in order to withdraw $2,000 annually for 10 years if the interest rate is 9%? O a 12,835.32 O b. 10,835.32 O c. 131.64 O d. 30,385.86