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Assume a bank offers an effective annual rate of 7.45%. If compounding is monthly what is the APR? Submit Answer format: Percentage Round to: 4 decimal places (Example: 9.2434%, % sign required. Will accept decimal format rounded to 6 decimal places (ex: 0.092434) Derek borrows $250,310.00 to buy a house. He has a 30-year mortgage with a rate of 4.74%. The monthly mortgage payment is $ Submit Answer format: Currency: Round to: 2 decimal places. Derek borrows $338,542.00 to buy a house. He has a 30-year mortgage with a rate of 4.60 %. After making 136.00 payments, how much does he owe on the mortgage? Submit Answer format: Currency: Round to: 2 decimal places