Which $of$ the following statement are true regarding the sale $of$ loan contracts?

Multiple select question.

Most loan contracts permit the lender $to$ sell the contract $to$ another investor $at$ any time during the term $of$ the loan.

Current interest rates offered $by$ financial institutions $on$ new loans provide a reference point for negotiating the buyer's rate $of$ return.

$To$ determine a price for the loan contract, the seller sets the rate $of$ return the buyer will earn.

The rate $of$ return $isbuiltinby$ using $itas$ the discount rate for calculating the future value $of$ the remaining loan payments.