Assuming All APRs Equal,the Effective Interest Rate on a Loan

Multiple Choice

Assuming all APRs equal,the effective interest rate on a loan is highest when:

A) The loan has no points and a 30-year maturity and is prepaid in five years
B) The loan has no points and is prepaid at maturity
C) Points are charged and the loan is paid off at maturity in 30 years
D) Points are charged and the loan has a 30-year maturity but is prepaid in five years