According to the cost-plus model for pricing loans,the factors that should be considered in pricing a loan include:

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All of the options are required as factors to price a loan according to the cost-plus model. The marginal cost of raising funds is necessary to determine the cost of funds for the bank. Nonfunds operating costs should be considered to ensure that the costs associated with processing and servicing the loan are properly factored into the pricing. An appropriate margin to compensate for default risk should also be included in the pricing, and the bank's desired profit margin should be considered as well. Therefore, all of the options are required factors to determine the loan pricing according to the cost-plus model.

According to the Cost-Plus Model for Pricing Loans,the Factors That