Annuity Calculation

Suppose you win a sweepstakes that offers a $$10$ million prize, paid in equal annual installments over $30$ years. If the discount rate is $5\%,$ what is the present value of this annuity?

You are planning to save for a new car by depositing $$632$ per month for $48$ months into a bank account that offers a monthly interest rate of $1\%.$ How much money can you borrow today based on these deposits?