Ann has just signed a $15-$year fixed$-$rate loan at $6\%$ with no discount points. Bob wonders what interest rate on a $15-$year fixed$-$rate loan for the same amount he should be charged when he wants to pay three discount points so that his loan is financially equivalent to that of Ann$$s assuming that both are planning to live in their houses for at least $15$ years?

$5\mathrm{.}53\%$

$5\mathrm{.}59\%$

$5\mathrm{.}65\%$

$5\mathrm{.}72\%$

$5\mathrm{.}81\%$

$5\mathrm{.}89\%$