If
Pv =500,000
Nper =24
pmt =35000

I can get the rate is 55.75929% with funtion rate:
=RATE(24,-35000,500000)*12


But what if Pmt is 35000 for first 12 Nper,and 10000 for next 12 Nper?

What I know is to use what if analysis find the rate is 10.2923.


Is there another way to solve this question? like ohter functions or macros??