Please calculate the APR for a loan with following condition: $30,000 loan with the interest rate of 5% compounded annually and repayment period of 7 years. With the costs deducted at the time of taking the loan (present time) including: 2 points and loan originating fee of 100 dollars. Do not write "%" in your answer, write your answer like 1.23, 4.56, etc.