Need to learn how to calculate initial payments for, Financial Management

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Need to learn how to calculate initial payments for

?Discounting Grouped Cash flows

Need to learn how to calculate initial payments for graduated payment mortgages. I would like to be able to calculate by hand and using excel.

example: Calculate payments for a GPM with the following criteria: $100,000 loan, 10% interest, *15 years, payments increase in years two and three by 5% and then level payments.

Lost in Real Estate Finance, and thankful for any help!

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