How Would you solve this using a financial calculator ?

You are looking at a one-year loan of $14,000. The interest rate is quoted as 12 percent plus two points. A point on a loan is simply 1 percent (one percentage point) of the loan amount. Quotes similar to this one are common with home mortgages. The interest rate quotation this example requires the borower to pay two points to the lender up front and repay the loan later with 12 percent interest. What rate would you actually e paying here? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) Interest rate