For year $2$ of the loan, the beginning balance will be the ending balance of the previous

year $-$ make a reference in B$8$ to the previous year's ending balance. Copy this formula

to the range B$9$:B$21.$

Copy the functions and formulas in cells $C7$:$E7$ to the range $C21$:$E21.$ If the copy

results in any errors, then check the functions and formulas to make sure absolute

references were used when referring to values in cells B$2,$ B$3,$ B$4$ and D$4.$ If all the

functions and formulas are done properly, the value in cell C$21$ should be zero.