You secured bank financing to purchase a $$745,000$ house using an $85\%$ Loan to Value $($LTV$)$ ratio constant payment mortgage loan maturing in $26$ years. The loan is fully amortising with a nominal annual interest rate of $3\mathrm{.}16\%$ and monthly payments. For repaying your loan early, at the end of year $5,$ the lender charged a break fee of $1\mathrm{.}8\%.$ Calculate the effective borrowing cost of this loan over the $5-$year term. Enter your answer without the percentage $[\%]$ sign rounded to $4$ decimal places $($e$.$g$.10\mathrm{.}3456).$