Saly lends $10,000$ ot Tim. Tim agrees to pay back the loan over $5$ years with monthly payments at the end of each month. Saly can reinvest the payments from Tmi ni a savings account paying interest at $6\%,$ compounded monthly. The yield rate earned on Sally's invest$-$ ment over the five$-$year period turned out to be $7\mathrm{.}45\%,$ compounded semi$-$annually. What nominal rate of interest, compounded monthly, did Sally charge Tim on the loan?