In cell D11, use NPER to calculate the number of months to pay off the loan using the new monthl loan payment amount in cell D10. Remember to use a negative value for the Pmt argument and be careful to reference the loan amount, not the home price. You can omit both the Fv and Type argumentshome loans are usually set up so the payment is applied at the end of each period. In cell D12, calculate the approximate number of years to pay off the loan by dividing the value in cell D11 by 12 and then rounding to zero decimal places.