it's good for the lender.... It is outrageously high for a borrower. I would hold out or renegotiate for less than 9%
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12 percent of 149 is 17.88
111.75 is 25% less than 149 .
100% of 149 is 149 and 30% of 149 is 44.7, so 130% of 149 is 193.7
149% as a fraction is 149/100 or 1 and 49/100.
(X) * 149 = 83X = 83/149 = 0.557 or 55.7%