You borrow $$6,000,000$ to finance the purchase of a small retail shopping center. The bank

provide you with a $12$ year mortgage loan with $25$ year amortization. The interest rate on the

loan is $5\mathrm{.}50\%.$ The bank charges an origination fee of $$12,000$ plus $2\mathrm{.}5$ points at the closing of

the loan. Additionally, the bank charges a $3$ point prepayment penalty. If the other costs

associated with borrowing this money $($i$.$e$.$ attorney fees, survey, title insurance, etc.$)$ total

$$25,000$ and are paid at closing. What is the yield to the lender if this loan is prepaid after $7$

years?