Tom wants to purchase a property for $300,000. Hecan borrow a 80% LTVfixed-rate loan,with4.5% annual interest rate and a 3% originationfee. Or,he can borrow a 90% LTV fixed-rate loan,with5.5% annual interest rate, and a 3% origination fee. Both loans have a 30 year amortization period.If he plans to prepay the loanat the end of 3rd year, what will be the incremental cost of borrowingfor him to to borrow the additional 10% loan amount?