Sally lends $10,000$ to Tim. Tim agrees to pay back the loan over$5$ years with monthly payments at the end of each month. Sally can reinvest the payments from Tim in a savings account paying interest at $6\%,$ compounded monthly. The yield rate earned on Sally's in$-$ vestment over the five$-$year period turned out to be $7\mathrm{.}45\%,$ com$-$ pounded semi$-$annually. What nominal rate of interest, compounded monthly, did Sally charge Tim on the loan