of P1,000 for 9 years that will start 9 months from now 1. Monthly payments Monthly payments of P200 for 6 years that will start at the end years 2. 3. of 10 that will start 2 years Semi-annual payments of P12,700 for 5 years of P8,500 for 8 years that will start 12 years from from now now

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A: The period of deferral is the total period in which the payment has not been made.

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Present Value

Present value (PV) is defined as the current or present value of all future sums of cash flow or money at a specified rate of return. This rate of return is known as the discounted rate, which is essentially the interest rate, discounted over some time. The expected cash flows are discounted at a discount rate to compute the present value. The higher the discount rate, the higher the future value (FV), but the lower the present value.