To purchase a new car, you borrow $20,000. The bank offers a 6-year loan at an interest rate of 3.25% compounded annually. If you make only one payment at the end of the loan period, repaying the principal and interest: Which time value factor should be used to solve this problem?

Determine the time of the day and month of the year at which the peak sensible cooling load occurs for a top floor, north-eastern corner room of an office building in durban for the following conditions: floor area: 8 x 8 x 3 m east and north walls: 115 mm face brick (outside), 20 mm air space, 115 mm ordinary brick (inside) with 15 mm plaster roof construction: suspended plasterboard ceiling, 450 mm air space, 150 mm concrete, 75mm screed, waterproofing no heat transfer across other surfaces window area 3x 1,5 m high in north wall only. ordinary glass with venetian blinds. lights and occupants : from 07: 00 to 18: 00 average light density: 25 w/m2 number of occupants : 5 seated, light office work room temperature 24°c