Problem with Cummulative IFs

Dear all,

I'm struggling with a function to connect a set of IFs in excel for a 3-dimensions table. Hope you can help me!!!

I'm basically writing a calculator for my car financing business where depending on the customer location (Spain, Portugal or Italy), and the value of his car, he will pay X, Y or Z interest rate. So, first you select the customer location, and input the car value deposited. The assets below 5k will pay 0.3%, between 5k-10k will pay 0.2% and above 10k will pay 0.1%. The thing is that those are cumulative, so if you deposit a car valued in 8k, the first 5k pay 0.3% and the rest 3k pays 0.2%.

Please HELP! I attached the file for further clarification