A borrower secured a $$250,000$ loan for a term of $15$ years. The loan is partially amortising with a balloon payment of $$100,000$ at maturity. The loan requires monthly payments at an annual rate of $7\mathrm{.}95\%.$ Calculate the pay rate on this loan. Enter your answer rounded to $4$ decimal places $($e$.$g$.0\mathrm{.}12345$ is entered as $0\mathrm{.}1235).$