Final answer:
The relevant factors to consider when deciding whether to obtain a loan from a bank include the down payment, annual percentage rate, and total loan cost. Annual percentage yield is not relevant in this context.
Step-by-step explanation:
When deciding whether to obtain a loan from a bank, the relevant factors to consider are the down payment, annual percentage rate, total loan cost, and annual percentage yield. Out of the given options, the one that is not relevant is d. annual percentage yield.