Question 4 1 pts Assume you borrow a PLAM of $110,000 for 30 years. It real interest rate is 5% and inflation is expected to be 3% every year, 14 the lender charges 5 points upfront, what is the yield to the lender if you pay of the loan at the end of 24 month? 8.46% 9.33% 10.62% 7.59% Question 5 1 pts Assume you borrow an ARM of $120,000 for 30 years. Given initial interest rate=5%, margin=200 basis points, index rate at EOY1= 6%, EOY2=4.5%, an annual rate cap =250 basis points, and the lender charges 3 points upfront, what is the appropriate interest rate to determine payment for year 2? 5%