I need help solving these three problems. Thank you!

4. A fixed payment loan of $400 pays back $96 per year for 5 years? How would you determine the interest rate on this loan (set up but don't solve)? 5. You have $1000 to save and are considering two options: Option 1 = 5% for two years followed by 7% for two years Option 2 = 6% for 4 years Which option would you choose? 6. A bank offers a 1-year Certificate of Deposit that pays a 5% interest rate. You expect inflation over the coming year to be 3%. What is the real return (real interest rate) for your deposit