A bank is evaluating the interest rate level for granting a 20-year house mortgage. The real risk-free rate is 0.96%, inflation is expected to be 2.4% this year, and the maturity risk premium is 0.02% per year. The liquidity premium is 0.3%, and default risk premium and call risk premium are evaluated to be 1.23% and 0.41%. What is the yield to maturity on this 20-year house mortgage? Please round your answer to the fourth decimal. e.g. if your answer is 1.11%, you should input 0.0111.