Need help im struggling ​

Umm.. just started this 2day and its not on my notes(p′︵‵。)

Adam drew two same size rectangles and divided them into the same number of equal parts. he shaded 1/3 of one rectangle and 1/4 of the other rectangle. what is the least number of parts into which both rectangles could be divided into?

Kevin's bank offered him a 4.5% interest rate for his mortgage. if he purchases 3 points, what will be his new rate?