Mortgage Pmt, APR & TAP Calculator!!

[MichaelRSnow]

Mortgage Pmt, APR & TAP Calculator
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The first months payment I can calculate with the following formula (Loan Amt * ((1 + (Rate) / 12) ^ (Term)) * Rate / 12) / ((1 + (Rate / 12)) ^ (Term) - 1) after this it get tricky and I can't complete
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<o>Mortgage Part1 </o>
Rate 5% (for 60/5yrs)
Loan Amt £100,000
Term 300 (25yrs)
Monthly Pmt £584.59
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Mortgage Part2 (Revert)
Rate 3.99% (for 240/20yrs)
Loan Amt £Not Known
Term 240 (20yrs)
Monthly Pmt £Not Known
<o></o>
I'm having difficulties converting this into full calculator, i.e. what the balance would be after 5 yrs so the revert part can be calculated, what the total amount the customer would pay over the life of the mortgage and what the APR would be?<o></o>

 

[GlennUK]

Balance after 5 years would be the original amount minus the amount paid off the principal during the period ... use the CUMPRINC function for this:

=-CUMPRINC(5%/12,300,100000,1,60,0)

Plug the redefined principal into the next step, and see how you do with the other calculations.

 

[MickG]

Try this:-
<TABLE style="WIDTH: 581pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=774 border=0 x:str><COLGROUP><COL style="WIDTH: 78pt; mso-width-source: userset; mso-width-alt: 3803" width=104><COL style="WIDTH: 170pt; mso-width-source: userset; mso-width-alt: 8301" width=227><COL style="WIDTH: 188pt; mso-width-source: userset; mso-width-alt: 9142" width=250><COL style="WIDTH: 68pt; mso-width-source: userset; mso-width-alt: 3291" width=90><COL style="WIDTH: 77pt; mso-width-source: userset; mso-width-alt: 3766" width=103><TBODY><TR style="HEIGHT: 13.5pt" height=18><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext 2pt double; WIDTH: 78pt; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 13.5pt; BACKGROUND-COLOR: #ccffcc" width=104 height=18>Capital (1)</TD><TD class=xl28 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext; WIDTH: 170pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc" width=227>Int(1) Yrl +1</TD><TD class=xl28 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext; WIDTH: 188pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc" width=250>Rep'nts</TD><TD class=xl28 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext; WIDTH: 68pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc" width=90>Int(1) Myth+1</TD><TD class=xl29 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext 2pt double; BORDER-LEFT: windowtext; WIDTH: 77pt; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc" width=103>Term 1</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" align=right height=17 x:num>100000</TD><TD class=xl25 id=td_post_2685052 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num>1.05</TD><TD class=xl26 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num>584.59</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num="1.0041666666666667" x:fmla="=0.05/12+1">1.004166667</TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num>60</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" height=17>Capt after Term 1</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" align=right height=17 x:num="88580.19188242135">88580.19188</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" x:str="'=((A2*((D2^61)-(D2^60)))-(C2*((D2^60)-1)))/(D2-1)">=((A2*((D2^61)-(D2^60)))-(C2*((D2^60)-1)))/(D2-1)</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" height=17> </TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl32 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffcc" height=17>Capital (2)</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc">Int(2) Yrly+1</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc">Rep'nts</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc">Int(2) Myth+1</TD><TD class=xl33 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc">Term 2</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" align=right height=17 x:num="88580.19188242135" x:fmla="=+A4">88580.19188</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num="1.0399">1.0399</TD><TD class=xl26 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num="536.31189606162127">536.3118961</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num="1.003325" x:fmla="=0.0399/12+1">1.003325</TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" align=right x:num>240</TD></TR><TR style="HEIGHT: 13.5pt" height=18><TD class=xl37 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 2pt double; HEIGHT: 13.5pt; BACKGROUND-COLOR: #ccffff" align=right height=18 x:num="536.31189606162127">536.3118961</TD><TD class=xl38 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffff" x:str="'=(A7*((D7^241)-(D7^240)))/((D7^240)-1)">=(A7*((D7^241)-(D7^240)))/((D7^240)-1)</TD><TD class=xl38 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl38 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl39 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffff"> </TD></TR><TR style="HEIGHT: 13.5pt" height=18><TD class=xl27 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 13.5pt; BACKGROUND-COLOR: #ccffcc" height=18>Totals:-</TD><TD class=xl28 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl28 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl28 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl29 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" align=right height=17 x:num>35075.4</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" x:str="'=C2*60">=C2*60</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff">Tot Rep'nt (1)</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" align=right height=17 x:num="128714.85505478911">128714.8551</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" x:str="'=C7*240">=C7*240</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff">Tot Rep'nt (2)</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" align=right height=17 x:num="163790.2550547891">163790.2551</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" x:str="'=B12+B11">=B12+B11</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff">Tot Repy'nt</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl30 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffff" align=right height=17 x:num="545.967516849297">545.9675168</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff" x:str="'=B13/300">=B13/300</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff">Pmt</TD><TD class=xl25 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD><TD class=xl31 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffff"> </TD></TR>
Col "A" Row(1)
<TR style="HEIGHT: 12.75pt" height=17><TD class=xl32 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffcc" height=17>APR:-</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl33 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl32 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffcc" height=17>Rate</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc" align=right x:num="3.6044818184551566E-3">0.003604482</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc" x:str="'=RATE(300,-A13,A2,)">=RATE(300,-A13,A2,)</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl33 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl32 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: #ccffcc" height=17>Rat +1</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc" align=right x:num="1.0036044818184551">1.003604482</TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl24 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl33 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: #ccffcc"> </TD></TR><TR style="HEIGHT: 13.5pt" height=18><TD class=xl34 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext 2pt double; BORDER-BOTTOM: windowtext 2pt double; HEIGHT: 13.5pt; BACKGROUND-COLOR: #ccffcc" height=18>Pmt</TD><TD class=xl35 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffcc" align=right x:num="545.96751684929552">545.9675168</TD><TD class=xl35 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffcc" x:str="'=(A2*((B16^301)-(B16^300)))/((B16^300)-1)">=(A2*((B16^301)-(B16^300)))/((B16^300)-1)</TD><TD class=xl35 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffcc"> </TD><TD class=xl36 style="BORDER-RIGHT: windowtext 2pt double; BORDER-TOP: windowtext; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: #ccffcc"> </TD></TR></TBODY></TABLE>