You are purchasing a new Tesla for $$68,000$ and making a $$15,000$ down payment.$$ You will finance the balance at $5\mathrm{.}3\%$ over $60$ months.$$ Your lender is charging you a $$1,000$ origination$/$underwriting fee.$$ What is the APR $($true cost of financing$)$ on the loan? $$ Enter your answer in decimal format using $4$ decimal places.$$ For example, $9\mathrm{.}23\%$ would be entered as $\mathrm{.}0923$