help needed for Challenging SUMPRODUCT formula with two complex conditions for dates

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Aug 27, 2014
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Please see file that I uploaded in OneDrive

I have explained the help I need in the file. I would greatly appreciate any help i get. I tried a lot. but it seems quite challenging.

Thank you!
 

Excel Facts

How to calculate loan payments in Excel?
Use the PMT function: =PMT(5%/12,60,-25000) is for a $25,000 loan, 5% annual interest, 60 month loan.

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