Which of the following financing schemes for a $45,000 should be chosen if you would like to pay the lowest interest rate on the borrowed amount and assuming you have the money for the down-payment? O a. $20,000 down with the rest paid in equal monthly payments of $624.70 per month for 48 months O b. $15,000 down with equal monthly payments of $960 per month for 36 months. O c. $30,000 down and a final payment of $18,550 two years from now. O d. $0 down with equal monthly payment of $2,080 per month for 24 months. Oe. All financing schemes offer the same interest rate