title: What is wrong with this NPER function usage?
body: <p>I'm trying understand how NPER works. I used the following arguments: </p>
  
  <blockquote>
    <p>loan amount:  145750<br>
    APR : 0.04<br>
    monthly payments : 9950/12</p>
  </blockquote>
  
  <p>called the NPER with the following to obtain the number of periods in years :</p>
  
  <pre><code>=nper(0,04/12;9950/12;145750;0;1)/12
  </code></pre>
  
  <p>and it returned <code>-11,51</code>. This cannot be correct since 11,51 * 9950 = 114524,5 which is less than the original loan amount.</p>
  
  <p>What has gone wrong?</p>