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Interest Only Payment Formula

I have been raken by brain for a simple formula to calculate an Interest Only Payment on a mortage note, example,

sales price = $162000
term = 360
interest = 8.5

I was able to calculate the payment of principle and interest, but I need to validate what would be an Interest Only payment on this?

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I currently use the following formula: =workday(H21,H23,J20:J34) which calculates my date based the date entered in cell H21. While testing I realized that I needed to add another variable to the formula for a specific scenario. When my Date in H21 is less than todays date I require another workday formula to be calculated. How can I add this if statement to the existing formula?

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Not Responding: Added A Formula To A Spreadsheet With Som Complicated Formula
I recently added a formula to a spreadsheet with som complicated formula. It worked ok and I saved the sheet. Now it takes 5 minutes to open the sheet and when I try to do anything,like delete the inserted column the program locks up giving a no responding message. I can do without this column if I have to.

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Replace Character Used In Formula Where Formula References Cell
I am using vlookup to get a cell value from another sheet, but if the cell has "&" or "/" I need to substitue "&" and "/" with "and" so that the cell can be added later to a url.

i am using =VLOOKUP(a1,Sheet2!A1:W17968,6) to get the value of a1 in sheet 2 and return the value of column 6

this will return "Audio Cables & Leads" but i need it to say Audio Cables and Leads

I need the formula to also check and replace "/" with "and" as well so cables/wire will be Cables and wire

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