You buy a house for $110,000. Financing is 70% of the price with a 30-year amortization at 3.5% interest. Assume the 70% loan, a 30-year amortization, two points up front and a 5% prepayment penalty. You pay the loan off after 5 years. g) What is the balance at the end of year 5? h) What is the dollar amount of the prepayment penalty? i) What is the effective rate if the loan was paid off in year 5?