please solve this

You are considering purchase of an apartment at Rangpur costing tk. 60,00,000. you have three offers: i)Pay full in cash. ii) Pay 35% of the cost in cash immediately and pay tk 6,75,000 cach year for the next 10 years? ii) Pay 50% of the cost in cash and take a loan of Tk 28,00,000 from HSBC at 15% interest to be repaid in equal monthly installment over the next 18 years. Assume 12% opportunity cost which offer should you accept