Lookup a value in a table having entered 2 key values. INDEX ?

Hi,

I have a table of money rates. The monthly rate depends upon
1. how long a loan is taken out and
2. how much is borrowed.

The user has to enter these 2 bits of info before excel examines a table selects a rate. A simple formula (which even I could do!?) calculates the monthly payment.

Please see the attached. I nearly got there using INDEX, but the trouble is that the value column contains a range rather than a fixed value.

I would be most grateful for a solution.

Thanks in advance.

Rob