15,000 php was loaned from a bank. The choices below show four possible borrowing schemes that the bank offers to repay the loan. Which of the following is the best scheme that offers a minimal interest charge? A 1.5% interest rate compounded monthly, payable after 3 years B 0.5% interest rate compounded annually, payable after 5 years semi- annual amortization equivalent to 3,844.22 php, payable for 24 months quarterly installment of 1,960.35 php for 2 years

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