4. The greater the interest rate difference between the term rate of the loan and the lender's required yield, then: a. the lower the points and fees that need to be charged b. the higher the points and fees that need to be charged c. there is no difference in the points and fees that are charged 5. If the monthly payment, set by agreement by the parties to the loan, is below the interest rate specified, then the loan balance would: a. be lower than the initial loan amjunt b. not impact the initial loan amount c. be higher than the initial loan amount d. the initial loan amount would remain unchanged _7. The effective-interest rate is higher than the loan rate whenever: a. more points, fees and penalty amounts are charged b. only when more points are charged c. only when more fees are charged d. only when less points, fees and penalty amounts are charged