Please explain in EXCEL

You just purchased a house with a $250,000 mortgage for 30 years with monthly payments and an APR of 4.5 percent. You know that in 7 years you will sell the house and pay of the remaining mortgage balance. Your lender tells you that early repayment is subject to a 1.5 percent penalty on the amount repaid early. What is the EAR of the loan with repayment without the penalty? What is the EAR with the early payment penalty?