Question 1194969
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L = laptop's value = PhP 37,500
D = down payment
D = 30% of L 
D = 0.30*37,500 
D = 11,250


P = amount borrowed
P = L - D 
P = 37,500 - 11,250 
P = 26,250
Or
P = 70% of L
P = 0.70*37,500
P = 26,250


r = 0.10 from the 10% simple interest rate
t = 1 year timespan to repay the loan


Simple Interest:
i = P*r*t
i = 26,250*0.10*1
i = 2,625
This is the finance charge.


A = total amount needed to pay back
A = P(1+rt)
A = 26,250(1+0.10*1)
A = 28,515
Or
A = P + Prt
A = P + i
A = 26,250 + 2,625
A = 28,515


Either way, the amount needed to pay back is PhP 28,515


Divide this total over the 12 months.
(28,515)/12 = 2,376.25
This is the monthly payment.


Because there are 12 equal monthly payments, the repayment period is 1 year. There's a 10% simple interest rate which corresponds directly to the APR. 
In other words, the APR is 10%


If the loan repayment window was something else (say 30 days), then the APR would be some other value. 
If there were other fees involved, then the APR would be different.


Answers:
Finance Charge = <font color=red>PhP 2,625</font>
Monthly Payment = <font color=red>PhP 2,376.25</font>
APR = <font color=red>10%</font>
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