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PHP or Excel VBA to learn which EMI or LTV Scheme is right for a customer?

I am the Account Manager for a large financial company. Our client base is with mortgage companies. Over the years, we have saved millions of dollars by working with them using traditional accounting practices and model, while they played with their numbers.
We now have a new client that has asked us to calculate monthly savings based on an EMI or LTV Scheme to help them understand how to improve their business. The following is an example:
LTV: 500,000
EMI: 250
Total Loan: 250
The problem I have is that the financial houses don’t do EMI’s. They do LTV’s.
This client would like to know how much money could be saved based on the EMI or LTV model.
I have no idea how to do this in PHP or VBA. I’ve been thinking about how to do this in a spreadsheet but that would require hundreds of thousands of calculations on a customer-by-customer basis.
Has anyone done this before? How would you do this?
UPDATE
I just realized that they asked for a spreadsheet to calculate the savings based on LTV’s. So, no help on this question.
UPDATE
This is NOT a home loan or a mortgage. I don’t know the kind of loan they do.

A:

I would use an excel spreadsheet and sum the monthly payments.
So your loan is 500k.
A(1,month1): 250 B(1,month2): 0 C(1,month3): 40
A(2,month1): 10 B(2,month2): -100
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