4. When lenders charge discount points on a residential loan, what impact does this have on the loan's rate? What impact does this have on the APR relative to the

new rate? A. The rate on the loan will decrease and the APR will increase relative tothe new rate. B. The rate on the loàn will increase and the APR will decrease relative tothe new rate. C. The rate on the loan will be unaffected. D. The rate on the loan will be increase and the APR will increase.