A small business received a five-year $1,000,000 loan at a subsidized rate of 3% per year. The firm will pay 3% annual interest payment each year and the principal at the end of five years. If market interest rates on similar loans are 6% per year, what is the NPV of the loan?

Although in another post there is an answer I am unsure how the formula looks?

How do you get this using a (Preferred) HP 10bii Calculator OR even Excel if necessary?

. I know they use NPV to get an answer of 126,371.