you are considering purchasing a small commercial property for $1,000,000. a bank has offered you two different loan options, the first would require a down payment of 30% and would have an interest rate of 4.5%. the second option would require a downpayment of only 20%, but the interest rate would rise to 5.25%. both loans would have 25 year terms. after determining your monthly payment for each, calculate how much you are effectively paying (solving for rate) for the additional $100,000 being borrowed under the 20% downpayment option.