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Default How do I create a formula to calculate the average percentage rat

How do i create a formula in Excel to calculate the average percentage rate
of a 30 year financing period
For example Loan amount 135,000 montly payment amount 684.03 number of
payments 360 intrest rate 4.5% and prepaid finance charge of 1770.57. The
first 74 payments the monthly payment amount will be 742.53 and for the
remaining payments of 286 the monthly note will be 684.03