Use Template Below To Answer Question Below. Please Included All Formula You Entered Into Template in Excel. $600,000 30-year fixed-rate, constant-payment mortgage that is partially amortizing with a balloon payment of $100,000. The contract interest rate is 3.25% with monthly payments. Up-front fees on the loan equal 3.0% and there is no pre-payment penalty. What is the effective interest rate (EIR) on the loan if prepaid at the end of year 6? Template Used In Excel B D E F G H A 1 2 3 EIR Loan Amount Balloon Payment Prepay Penalty Term (Years) Rate 4 5 Points 6 Cash flows 7 Payment Interest Principal End balance 8 Month Beg balance 1 2. 3 4 5 6 9 10 11 12 13 14 15 16 17 18 19 7 8 9 10 11 12 20 13 14 21 22 15 23 16 24 17 18 25 26 27 19 20 28 21