A homeowner obtained a fully amortising constant payment loan $5$ years ago for $$675,000$ at an annual interest rate of $5\mathrm{.}45\%$ for a $25-$year term and monthly payments. Since then, interest rates fell and a new loan can be secured at an annual rate of $4\mathrm{.}59\%$ for a term of $20$ years. Suppose there is a $1\mathrm{.}50\%$ break fee on the existing loan. The break fee will be be capitalised into the new loan $($i$.$e$.$ the new loan amount equals the loan amount required for refinancing and the break fee$).$ What is the effective cost of refinancing, if the new loan is repaid after $7$ years? Enter your answer rounded to two decimal places without the $\%$ sign $($e$.$g$.2\mathrm{.}22\%$ is $2\mathrm{.}22)$