You are buying a $$975,000$ house and need to borrow $95\%$ of the value of the house $($LTV$).$ You can borrow this as a single loan for a term of $25$ years. Alternatively, you can split your loan financing and borrow $80\%$ LTV fully amortising loan at $3\mathrm{.}79\%$ annual interest maturing in $25$ years and the remaining $15\%$ LTV with a fully amortising loan at $12\%$ annual interest maturing in $5$ years. What rate should be offered in the single $95\%$ LTV loan for the borrower to be indifferent between the two options $($single vs split financing$),$ assuming the house is sold after $5$ years and loans repaid? All loans have monthly payments. Enter your answer rounded to two decimal places without the $\%$ sign $($e$.$g$.2\mathrm{.}22\%$ is $2\mathrm{.}22)$