6. You are buying a house of $300000 . One loan company offers that you can pay a down payment of 20% now and loan the rest of the money. Then A) you will pay the balance with equal monthly payments for 30 years with 4.5% APR compounded monthly. Or B) beside the 20% down payment you can buy two point which is 2% of the loan amount and pay upfront. This will give you an APR of 3.6% for the rest of the money. For these 2 options find: a) How much are the effective annual interests respectively? b) How much are the monthly payments? c) How much are the total interests you will have to pay in each option? d) which option is better for the buyer in terms of total money paid and the monthly payment?