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Default I've got a problem with an Excel formula I'm working on.

I am trying to correct a formula I'm entering on Excel. The formula is:
=If(A74=E8*E9, ,If(A74<E8*E9,A74+1)); with E8=5, E9=12, and A74=60. The
result I am getting is "0", and the result I want is a blank cell. I am
trying to produce a loan amortization table where one can vary the amounts
and length of the notes. In this case, E8 is the number of years, E9 is the
number of payments within a year, and Column A is the payment number. I'm
trying to make it where after 60 months in this case, I'll get empty cells
instead of cells with "0" in them. Can you help me?
 
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