Assume you borrow a PLAM of $$110,000$ for $30$ years. If real interest rate is $5\%$ and inflation is expected to be $3\%$ every year, if the lender charges $5$ points upfront, what is the yield to the lender if you pay off the loan at the end of ${24}^{th}$ month?

$10\mathrm{.}62\%$

$8\mathrm{.}46\%$

$7\mathrm{.}59\%$

$9\mathrm{.}33\%$