Computing Loan Repayment

[gilbert]

Hi,

I am constructing a loan repayment schedule and need some feedback fro
you experts....

How do I compute the monthly repayment for a 30 years loan using PMT o
whatever formula Excel has, given that the interest is not fixed. Tha
is to say...the interest in first three years are much lower. Eg. Yea
1 - 1.5%; Year 2 - 5%; Year 3 - 5.5%; Threafter - 6%.

Please help .....

Real help needed very much...


Thank you.

Rgds,
Gilber