You are buying a house and the mortgage company offers to let you pay a "point" $(1\mathrm{.}0\%$ of the total amount of the loan$)$ to reduce your APR from $6\mathrm{.}31\%$ to $6\mathrm{.}06\%$ on your $$406000,30-$year mortgage with monthly payments. If you plan to be in the house for at least $5$ years, should you do it$?$