Please provide formula and rough solution

31. BRIGHT Company's Suppliers Offer Trade Credit Term 2/10 net50 (one year 365 days) BRIGHT Company has no cash, so it is necessary to borrow from the bank to pay Supplier in the amount of 1,500,000 baht. The bank set the rate for the company at 20% per year. interest compounded once a year And keep money in the bank account at the rate of 25% of the loan amount. Calculate the real interest rate or cost of the loan. How much percentage do you have to pay? Nominal interest rate. %(2 decimal places) 34. Mr.S wants to buy a motorcycle at a price of 30,000 baht. It will be an add-on interest purchase at a nominal rate of 12% and is a 24 -month installment payment. Find the interest rate (EAR)