Sam borrowed an amount of R38957 from a bank at a rate of 4.56% per year, that must be repaid after 9 years.

Sam will be using the sinking fund method to repay the loan. If Sam is going to invest an amount in an account at the end of every 3-month period, the first investment at the end of the first 3-month period, and if Sam earns interest on his investment at a rate of 12.288% per year, what does the loan cost Sam each year? (Give your answer rounded to 2 decimal places. If you think the answer is R1012.3456, type in 1012.35)

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Sam het R38957 geleen by 'n bank teen 'n rentekoers van 4.56% per jaar, en moet die bedrag terug betaal na 9 jaar. 

Sam gaan die delgingsfondsmetode gebruik om die lening terug te betaal. Indien Sam 'n bedrag gaan belê aan die einde van elke 3-maand periode, die eerste belegging aan die einde van die eerste 3-maand periode, en indien Sam rente verdien op sy belegging teen 'n koers van 12.288% per jaar, wat sal Sam se jaarlikse koste van die lening wees? (Gee jou antwoord afgerond tot 2 desimale syfers. As jy dink die antwoord is R1012.3456, tik in 1012.35)