A bank offers the following program to its customers. If you deposit $$100$ at the beginning of every month for the next $7$ years, then in return the bank will give you $$100$ a month forever, starting a month after your last monthly payment. If the rate of interest is $13\mathrm{.}2\%$ annually, would you join in this program? At what minimum rate of interest would the customers consider making their deposits in this program?