A lending agency advertises in the paper an APR of 12% on a home mortgage with a term of 30 years. The ad claims that the monthly payment on a principal of $200,000 will be $20,570. Is this claim...

can someone help me please

Extracted text: A lending agency advertises in the paper an APR of 12% on a home mortgage with a term of 30 years. The ad claims that the monthly payment on a principal of $200,000 will be $20,570. Is this claim reasonable? What should the ad have said the payment would be (to the nearest dollar)? O The ad should have said that the monthly payment is $200,000. The claim is reasonable. The ad was correct to say that monthly payment is $20,570. O The ad should have said that the monthly payment is $2,000. O The ad should have said that the monthly payment is $2,057.