When purchasing a $210000 house , a borrower is comparing two loan alternative. The first loan is a 90% loan at 10.25% for 25 years . The second loan is an 85% loan for 9.75% over 15 years . Both have monthly payments and the property is expected to be held over the life of the loan. What is the incremental cost of borrowing the extra money?

A. 20.25%

B. 16.17%

C. 11.36%

D. 12.42%

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