15000 php was loaned from a bank. The choices below show four possible borrowing schemes that the bank offers to repay the loan. Which of the following is the best scheme that offers minimal interest...

15000 php was loaned from a bank. The choices below show four possible borrowing schemes that the bank offers to repay the loan. Which of the following is the best scheme that offers minimal interest charge?

a. quarterly installement of 1,960.35 php for 2 years

b. 1.5% interest rate compunded monthly, payable for 3 years

c. semi-annual amortization equivalent to 3,844.22 php, payable for 24 months

d. 05% interest rate compunded anually, payable after 5 years