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What is the effective annual rate (EAR) of a mortgage that is advertised at % (APR) over the next twenty years and paid with payments?

What is the effective annual rate (EAR) of a mortgage that is advertised at % (APR) over the next twenty years and paid with payments?

What is the effective annual rate (EAR) of the mortgage at

10.5% APR with monthly payments?

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