$4\mathrm{.}1$ How much must be invested now at $10\%$ interest compounded semi$-$ annually to have R$80000$ in $9$ years? $(5)$

$4\mathrm{.}2$ Joyce borrows R $200000$ from her bank to start a small clothing business. The bank chargers an annual interest rate of $15\%$ per annum over $7$ years. Find the size of the annual payment and construct an amortization schedule. $($You should round the payments up to three decimal places$).$