3) Mr. M wants to buy an X brand car from a dealership. The gallery offered Mr. M 2 payment plans for the payment of the car. According to the first plan, the cash price of the car is 30,000 TL. According to the second payment plan, it is a payment of 10.000 TL in cash and equal installments of 1.500 TL at the end of each month for 24 months. According to this, what is the interest rate applied by the gallery for the deferred payments?