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Default Principal & Interest Formula

Hi all,

I am trying to complete a principal & interest formula that remain empty in
the target cell if no loan amount is entered,

=IF(E20="","")*PMT(H20,30,-E20)

E20 = Loan amount
H20 = Interest Rate
L45 = Target cell

With the above cell i get Value as an answer.

Can anyone help me out with completing this formula?
--
Thanks in advance.

Scoober
 
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