1. What is the present value of a deferred annuity of ₱2,500.00 every 3 months for 8 years that is deferred 3 years if money is worth 6% converted or compounded quarterly?

2. Darwin availed a loan from the bank that gave him an option to pay ₱ 15,000.00 monthly for 2 years. The first payment is due after 4 months. How much is the present value if the
interest rate is 10% converted monthly?

3. Ruel decided to sell their farm and to deposit the fund in a bank. After computing the interest, they learned that they may withdraw ₱ 480,000.00 yearly for 8 years starting at
the end of 6 years when it is time for him to retire. How much is the fund deposited if the interest rate is 5% converted annually?

with formula please thank you in advance