2. The loan is for $300,000, points and other bank fees total $2,400. The rate is 6.6% for 30 years (monthly). a. Calculate Monthly Payment (MP): b. Calculate Net Disbursement (ND): C. Calculate Loan Balance (LB) or Mortgage Balance after 12 years have lapsed: d. Calculate the effective-interest cost or yield after 12 years have lapsed: e. Now, assume a prepayment penalty of $1,500 when calculating the effective- interest cost to the borrower after 12 years have lapsed. Effective-Interest Cost or Internal Rate of Return for the lender