If the prime lending rate is $3\mathrm{.}5\%$ and the risk factor is perceived at $3\%,$ then the financial institution will grant a loan at an interest rate of:

$$ A$)3\mathrm{.}5\%$

$$ B$)6\mathrm{.}5\%$

C$)6\mathrm{.}5\%$ or more.

$$ D$)$ there isn't enough information