I need help figuring out how to work out these problems without excel

12) Ryan borrowed $500,000 to buy a house: the annual interest rate is 5% and has a 25-year mortgage, paying monthly. Ryan wants to know how much interest he paid in seventh year A) $ 19,485 B) S20,084 C) $21,168 D) $22,324 13) A deferred annuity will pay you $500 at the end of each year for 10 years, however the first payment will not be made until four years from today (payments will be made at the end of years 4 through 13). What amount will you have to deposit today to fund this deferred annuity? Use an 6% discount rate and round your answer to the nearest $10 A) S3,090 B) S3,150 C) $3,190 D) S3,250 14) Which of the following investments has the highest effective annual return (EAR)? (Assume that all CDs are of equal risk.) A) a bank CD that pays 8.00 percent interest compounded daily B) a bank CD that pays 8.11 percent compounded monthly C) a bank CD that pays 8.37 percent annually D) a bank CD that pays 8.22 percent compounded semiannually