You are borrowing $500,000 to purchase a commercial building. The interest rate is 5% and the loan will be over ten years with monthly payments. There is a $10,000 origination fee you will have to pay at the closing of the loan. What is the APR (true cost of financing) of the loan? Enter your answer in decimal format using for decimal places. For example, 3.25% would be entered as .0325.