9. Nadia has set up the structure for an amortization schedule in the range H4:L15. Finish the amortization schedule by completing the formula in cell J5, which already contains an IF function that checks whether the year in column H is less than or equal to the term in cell D7. Between the commas in the formula in cell J5, enter another formula using the PV function. Use defined cell names for the rate, nper, and pmt arguments as follows: rate argument: Divide the Rate by 12 to use the monthly interest rate. nper argument: Subtract the year value in cell H5 from the Term, and then multiply the result by 12 to specify the number of months remaining to pay off the loan. pmt argument: Use the Monthly_Payment as a negative value to specify the payment amount per period

What is the formula I need to enter?