Kindly answer the both question if you have finance calculator, Thank you

Save QUESTION 8 1 points What is the effective borrowing cost (EBC) on a $135,000, 30-year mortgage at 5.0 percent interest if the lender charges 1.5 points on the loan and the borrower's expected holding period is 10 years? 5.46% 5.21% 5.00% 5.13% QUESTION 2 1 poir "What is the Annual Percentage Rate (APR) on a $150,000, 30-year mortgage at 7.5 percent interest if the lender charges 3.0 points on the loan and the borrower's expected holding period is 3 years?" 0 7.50% O 8.65% O 8.32% O 7.81%