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Hey this is Ralph, and in this video I want to use the payment function to calculate a house loan or mortgage. Okay, so I was just working on a car loan calculator using the payment function, and to do this for a mortgage is similar. Very, very similar. And in fact if you want, you can download the file, theres link in the video description, or just open up Excel and create your own. Its very easy to do. So Ive got my car loan calculator off to the side, but Im gonna go past that and just kind of pretend, start from scratch here. And for my mortgage calculator, I need to know a few things kind of like I did for a car. I certainly need to know that house price. Need to know my down payment and then that is gonna leave my loan amount. So put down a down payment, borrow the rest. I also need to know the number of years for the loan, mortgages, house loans are generally expressed in years, I need to know my interest rate, and then thats gonna help me dete