b$)$ You are planning to buy a car worth $$40,000.$ Which of the two deals described below would you choose, both with a $48-$month term? $($NB: estimate the monthly payment of each offer and compare$).$

i$)$ the dealer offers to take $10\%$ off the price, then lend you the balance at an annual percentage rate $($APR$)$ of $9\%,$ monthly compounding.

ii$)$ the dealer offers to lend you $$40,000($i$.$e$.,$ no discount$)$ at an APR of $3\%,$ monthly compounding.