Assume you are a contractor and you want to buy a construction equipment worth of SR 800,000. The dealer gives you an offer that you pay a down payment of SR 125,000 and a monthly payment SR 15,000 for five years. A loan agency made an offer to you to buy the equipment and then sell it to you and request you to repay them with a profit of 5% annually on the purchase of the equipment for five years and repay the total amount in a monthly basis.

What are the nearest approximate difference in their rates of returns.