Can you help with both I'm confused:(

5. [-/10 Points] DETAILS BRECMBC9 14.1.020.MI. MY NOTES ASK YOUR TEACHER The margin on an adjustable-rate mortgage is 4.5% and the rate cap is 5% over the life of the loan. If the current index rate is 6.8%, find the maximum overall rate (as a %) of the loan. % 6. [-/10 Points] DETAILS BRECMBC9 14.11.004. MY NOTES ASK YOUR TEACHER For the second mortgage application, calculate the percentage of appraised value and the potential credit (in $). Appraised Lender's Percentage of Balance of Potential Value Percentage Appraised Value (in $) First Mortgage Credit (in $) $356,700 75% $ 194,500 $