please post formulas thanks

82 33 2. Origination Fees and Discount Polnts with Prepayment at EOY 6 84 35 A lender is offering a 30-year, monthly payment fixed rate mortgage (FRM) lon at 4.5% with an $800 origination fve and 36 2.5 discount points. A borrower wants a loan for $538,000. What is the yield to the lender, the effective borrowing cost to 37 the borrower, and the APR assuming the borrower propays the loan balance at the end of year 6? Use both the IRR function 88 in the green highlighted cell as indicated. 89 90 91 Loan Amount Using IRR Function 92 Annual Interest Rate Yield to Lender 93 Origination Fee Effective borrowing cost to borrower 194 Discount Points APR (this is tricky be careful 95 Maturity (in years) 396 Periods per year Using RATE Function 897 Prepayment Month Yield to Lender 398 Monthly Payment Effective borrowing cost to borrower 399 Balance at BOY 6 APR (this is tricky, be careful 400 401 Month Cash Flow 402 0 403 1 404 2 405 3 406 407 408 409 410 411 412 4 + 414 415 5 6 7 8 9 10 11 12 13 14 15 16 17 IR 19 416 417 418 419 20 Concepts + MacBook Air