nper is number of payment periods.
pmt should be negative as it is an outgoing amount, also this is an
equal amount you make every period.
pv is the loan amount, should be positive as this is an incoming
amount.
fv is future value, optional as in your case you are dealing with
loans.

What do you mean by interest is changing. Can you post your data., and
where it changes.

Mangesh


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