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1500-15*(P/F,12%,5)/(P/A,12%,5)*1(1+12%)
1500-15*(P/F,12% ,5)/(P/A,12%,4)+1
(1500-15*0.5674)/(3.6048*1.12)=369.4203859
(1500-15*0.5674)/(3.0373+1)=369.4273401
1500-15*(P/F,12% ,5)/(P/A,12%,4)+1
(1500-15*0.5674)/(3.6048*1.12)=369.4203859
(1500-15*0.5674)/(3.0373+1)=369.4273401

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