please give me the value of ipp

and the formulas to integrate in exel sheet to fill it + do it on the first three months so I can continue the other value on my own

and explain

A professional earning a monthly salary of 12,000MAD decided to obtain a loan from the bank to purchase an affordable apartment costing 320,000 MAD. In addition to the loan, the individual made the following payments in cash: 6% for registration duty, 1.5% for notary fees, 1% for stamp duty, and 10,000 MAD for insurance and bank fees. Assuming the full acquisition price was financed by a bank loan with a constant yearly interest rate of 5.75%, compounded monthly, how long (in years and months) will it take to repay the loan and what would be the sum of money (including the fees associated with purchase and loan) paid if: a. You pay 4,000 MAD monthly starting end of Month 1 after loan acquisition, b. You pay 5,500 MAD monthly starting end of Month 3 after loan acquisition. Important: Add more rows (months) if needed. Also, note that the final end of payment shall be the remaining amount owned after interest; it shall be less than the monthly payment. \begin{tabular}{|c|c|l|} \hline Loun & 320,000 & MAD \\ \hlineI= & 5,75 & Der year, compounded monthily \\ \hlineL=0 & & \\ \hlineA= & 4,000 & MAD \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|} \hline Interest for Mosth & Amount Owned after & \multicolumn{2}{|c|}{ End of Month Payment (MAD) } & Amount Owned after \\ \hline & & Registrabion Fees (6) & 19,200 & \multirow{4}{*}{320,000} \\ \hline & & Notory Fees (19) & 3.200 & \\ \hline & & Stamp Duty (12s) & 3,200 & \\ \hline & & Other Fres & 10,000 & \\ \hline \multicolumn{5}{|c|}{1} \\ \hline \multicolumn{5}{|c|}{2} \\ \hline \multicolumn{5}{|c|}{3} \\ \hline \multicolumn{5}{|c|}{4} \\ \hline \multicolumn{5}{|c|}{5} \\ \hline \multicolumn{5}{|c|}{6} \\ \hline \multicolumn{5}{|c|}{7} \\ \hline \multicolumn{5}{|c|}{8} \\ \hline \multicolumn{5}{|c|}{9} \\ \hline \multicolumn{5}{|c|}{10} \\ \hline \multicolumn{5}{|c|}{11} \\ \hline \multicolumn{5}{|c|}{12} \\ \hline \multicolumn{5}{|c|}{13} \\ \hline \multicolumn{5}{|c|}{14} \\ \hline \multicolumn{5}{|c|}{15} \\ \hline \multicolumn{5}{|c|}{16} \\ \hline \multicolumn{5}{|c|}{17} \\ \hline \multicolumn{5}{|c|}{19} \\ \hline \multicolumn{5}{|c|}{=} \\ \hline & & & & \\ \hline & & & & \\ \hline \end{tabular}