Suppose household has large credit card balances at a 12% interest rate. Assume this 12% rate indicates the appropriate opportunity cost, or discount rate, to value the mortgage choices. Which of these home loans would the household prefer? $300,000,25-year at 7% (monthly payment =$2,120.337592 ) $300,000,30-year at 7% (monthly payment =$1,995.907486 ) $300,000,20-year at 7% (monthly payment =$2,325.896807 ) $300,000,15-year at 7% (monthly payment =$2,109.64)