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At a certain private bank , the rate of compound interest charged for vehicle loans is as follows. For two years it is 16% p.a. ; for more than two years it is 12% p.a. for the entire tenure . If a person takes ₹ 1,00,000 from the bank for a period of three years, how much more/less interest does he have to pay, compared to a two-year tenure?

A man borrowed ₹ 30,000 from a bank at 10% p.a. compound interest , interest being compounded annually. At the end of first two years , he paid 9000. At the end of third year , he wanted to clear the loan. How much should he pay to clear the loan .

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