Problem $4(8$ points$)$ You just purchased a house with a $$250,000$ mortgage for $30$ years with monthly payments and an APR of $4\mathrm{.}5$ percent. You know that in $7$ years you will sell the house and pay of the remaining mortgage balance. Your lender tells you that early repayment is subject to a $1\mathrm{.}5$ percent penalty on the amount repaid early. What is the EAR of the loan with repayment without the penalty? What is the EAR with the early payment penalty?