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Default Loan Amortization Template in Excel

Does anyone have the formulas used in Excel's Loan Amortization
Template? I need plain formulas, not the ones like PMT etc... Given the
LOAN AMOUNT, INTEREST RATE, NUMBER OF YEARS and NUMBER OF PAYMENTS PER
YEAR, I need to be able to calculate all the valus that the sheet
produces in its Summary box and the payment schedule but I will do this
in Visual Basic. I would really appreciate your help.

 
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