# Can someone tell me the best way to do this?

#### vovens

##### New Member
I'm trying to figure out the best formula to use in this situation.

LTV % 30 yr yearly prem
95.01 0.0096 \$1,689.60
90.01 0.0078 \$1,372.80
85.01 0.0052 \$915.20
80.01 0.0032 \$563.20

This is the table that I'm trying to use. I have a formula that will calculate the loan to value on a mortgage. If it's greater than 80%, I want it to reference this table (actual LTV >= LTV in table) and then plug in the appropriate yearly premium for the LTV calculated (this is for calculating yearly PMI premium). If the LTV is less than the % listed in the column, I want to return a value of 0.

I've tried the IF (always came back FALSE) and got a #NA when I used VLOOKUP. You're talking to a novice and I know just enough to get frusterated when I can't get the results I'm looking for.

I've been lurking for the last few days and can't seem to find the help I needed, so now, I'm asking.

Thanks,
Victoria

### Excel Facts

Can you AutoAverage in Excel?
There is a drop-down next to the AutoSum symbol. Open the drop-down to choose AVERAGE, COUNT, MAX, or MIN
Hi Vovens , Welcome To The Board,

Check out the "RATE" function in Excel Help !!!

Also search for "PV" function for personel finance
help.

It should start you off with your quest !!!!!

Hope this helps !!!

Russ.

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