You got a 10% OFV, $75,000, 30 years loan with no monthly payments. What would be the effective interest rate on the 10% loan with the following additional loan features.

A. You paid 3 points, there was no prepayment penalty (PPP), and you paid the loan off at the end of the 10th year.

B. you paid 3 points, there was a 2% PPP, and you paid the loan off at the end of the 10th year

C. You paid 3 points, there was a 2% PPP, and you did not pay off the loan early