Could you please explain assist me with getting the answer to these finance questions using the formula explanations to get the answers?

Could you please explain assist me with getting the answer to these finance questions using the formula explanations to get the answers?  I am having trouble following the example provided in my text.  Thanks

1. In discussing a possible loan with the firm's banker, Smith found that the bank is willing to lend Dellvoe up to $800,000 for one year at a 9% simple, or quoted, rate. However, he forgot to ask what the specific terms would be.
2. Assume the firm will borrow $800,000. What would be the effective interest rate if the loan were based on simple interest? If the loan had been an 8% simple interest loan for six months rather than for a year, would that have affected the EAR?