Answer all please need help please..

Kyungsoo purchased a laptop for the online class of his kids through the credit cooperative for their company. The cooperative provides an option for a deferred payment. Kyungsoo decided to pay after 4 months of purchase. His monthly payment is computed as 3,500.00 payable in 12 months. How much is the cash value of the laptop if the interest rate is 8% convertible monthly?

Yixing borrows 400,000.00 at an interest rate of 4% per year compounded semi-annually. He agreed to settle his loan by making 12 semi-annual payments at the end of each six months. If the first payment is made at the end of 2 years, compute the periodic payment.