3. a) Describe the reasons behind time value of money? b) Suppose that, a house constructed by Akri holdings costing taka 15 lakhs. Taka 10 lakhs could be borrowed from BHBFC to be paid over next 30 years in monthly equal installments. Sonali bank also agreed to lend taka 5 lakhs to be paid over he next 15 years in equal monthly installments. Interest is 12% for both BHBFC and Sonali bank. How much should be paid in each installment to (A) BHBFC, and (B) Sonali bank