"rkhughes" wrote:
the following seems to match the bank
payment a bit better (but still not exactly):
=PMT(Rate/360,360*(365/12),$C$16,,1)*(365/12)
[....]
As you point out, the problem is getting it to fit with "reality" (by which
I mean: "the bank's number")

It would be nice if you shared __all__ the factual information that you have.

What is the payment amount determined by the bank?