{"text_format":"1","workbook":"xlsx","n_sheets":13,"sheets":["Calculator Parameters","MLA","Calculation","Calc2","Calc3","Calc4","Version","NSR Calculator","DTI Calculation","DTI2","DTI3","DTI4","DTI Report"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":1,"comments":6,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Calculator Parameters","index":0,"n_rows":59,"n_cols":37,"rows_kept":59,"cut":false,"hidden":true,"merged":[[35,1,35,2],[40,1,40,2],[26,1,26,2],[25,1,25,3],[7,1,7,3]]}
[]
[null,"Calculator parameters"]
[]
[null,"In this sheet some of the main loan policy related parameters are summarised. Changing any of these cells could have a significant impact on calculated lending capacity. "]
[null,"Changes can only be made by person with appropriate authority. Please make sure you have the authority to make any changes before you do so."]
[]
[null,null,null,null,"Old","New","Changed Date"]
[null,"Income Source Weighting",null,null,null,null,"2023-01-01"]
[null,"Source","Weight","DTI Weight"]
[null,"Salary or Wages",1,{"$f":"C10","v":1}]
[null,"Overtime ",0.8,{"$f":"C11","v":0.8}]
[null,"Bonus",0.7,0.7]
[null,"Allowance",0.8,0.8]
[null,"Commission",0.75,0.75]
[null,"Business Income",1,1]
[null,"Beneficiary",1,1]
[null,"Rentals",0.75,0.75]
[null,"Investment",0.5,0.5]
[null,"Child Support",0.8,0.8]
[null,"Boarder",0.8,0.8,null,null,null,"Previous values"]
[null,"ACC Earners levy","ACC Levy Rate","Maximum Levy",null,null,null,"2013/14",null,"2014/15",null,"2015/16",null,"2016/17",null,"2017/18",null,"2018/19",null,"2019/20",null,"2020/21",null,"2021/22",null,"2022/23",null,"2023/24",null,"2024/25",null,"2025/26",null,"2026/27",null,"2027/28"]
[null,"Wages & Salary",1.7500000000000002E-2,2741.22,null,null,null,1.7000000000000001E-2,1934.05,1.4500000000000001E-2,1713.76,1.4500000000000001E-2,1741.01,1.3899999999999999E-2,1696.68,1.3899999999999999E-2,1724.33,1.3899999999999999E-2,1755.37,1.3899999999999999E-2,1785.73,1.3899999999999999E-2,1819.66,1.3899999999999999E-2,1819.66,1.46E-2,1993.54,1.5299999999999999E-2,2132.5700000000002,1.6E-2,2276.52,1.67E-2,2551.59,1.7500000000000002E-2,2741.22,1.83E-2,2932.47]
[null,"Self-employed",{"$f":"C22","v":1.7500000000000002E-2},{"$f":"D22","v":2741.22},null,null,null,1.7000000000000001E-2,1898.37,1.4500000000000001E-2,1683.29,1.4500000000000001E-2,1713.76,1.3899999999999999E-2,1668.97,1.3899999999999999E-2,1696.67,1.3899999999999999E-2,1724.33,1.3899999999999999E-2,1785.73,1.3899999999999999E-2,1819.66,1.3899999999999999E-2,1819.66,1.46E-2,1993.54,1.5299999999999999E-2,2132.5700000000002,1.6E-2,2276.52,{"$f":"AF22","v":1.67E-2},2551.59,1.7500000000000002E-2,2741.22,1.83E-2,2932.47]
[]
[]
[null,"Income Tax"]
[null,"Income  Bands"]
[null,"Min","Max","Marginal Tax Rate"]
[null,0,15600,0.105]
[null,{"$f":"C29+0.01","v":15600.01},53500,0.17499999999999999]
[null,{"$f":"C30+0.01","v":53500.01},78100,0.3]
[null,78100.009999999995,180000,0.33]
[null,180000.01,null,0.39]
[]
[]
[null,"Student Loan",null,null,null,null,null,"Before 1/4/18","1/4/18","1/4/19","1/4/20","1/4/21","1/4/22","1/4/23","1/4/24","1/4/25"]
[null,"Threshold","Rate",null,null,null,null,"Threshold","Threshold","Threshold","Threshold","Threshold","Threshold","Threshold","Threshold","Threshold"]
[null,24128,0.12,"%",null,null,null,19136,19448,19760,20020,20280,21268,22828,24128,24128]
[]
[]
[null,"Debt Servicing Assumptions"]
[null,"Default NSR",1]
[null,"Property Investor NSR",0.95]
[]
[null,"Non-Investor DTI",6]
[null,"Investor DTI",7]
[]
[]
[]
[]
[null,"SBS Foundation interest rate",0.04]
[null,"SBS Interest rate buffer",2.5000000000000001E-2]
[]
[]
[null,"KiwiSaver "]
[null,"Deduction"]
[null,0.03]
[null,0.04]
[null,0.08]

{"sheet":"MLA","index":1,"n_rows":108,"n_cols":35,"rows_kept":108,"cut":false,"hidden":true,"merged":[]}
["Inputs"]
[null,{"$f":"Calculation!B9","v":"Adults in household "},null,{"$f":"Calculation!E9","v":0},{"$f":"Calc2!E9","v":0},{"$f":"Calc3!E9","v":0},{"$f":"Calc4!E9","v":0},null,"Only manually update the white areas which do contain decimal places."]
[null,{"$f":"Calculation!B12","v":"Children in household"},null,{"$f":"Calculation!E12","v":0},{"$f":"Calc2!E12","v":0},{"$f":"Calc3!E12","v":0},{"$f":"Calc4!E12","v":0},null,"The light grey show the calculation details."]
[null,{"$f":"Calculation!M135","v":"Total All Applicants - Gross Annual Income"},null,{"$f":"Calculation!Q135","v":0},{"$f":"Calc2!Q135","v":0},{"$f":"Calc3!Q135","v":0},{"$f":"Calc4!Q135","v":0},null,"If the table does not contain decimal places then 3 and 4 adult tables need the formulas to be overwritten with the values. Also change the cells to white to highlight this."]
[null,{"$f":"Calculation!C181","v":"Other Expenses - Monthly"},null,{"$f":"Calculation!J181","v":0},{"$f":"Calc2!J181","v":0},{"$f":"Calc3!J181","v":0},{"$f":"Calc4!J181","v":0}]
["Output"]
[null,"MLA",null,{"$f":"IF(D4=0,0,D10+D5)","v":0},{"$f":"IF(E4=0,0,E10+E5)","v":0},{"$f":"IF(F4=0,0,F10+F5)","v":0},0]
[]
[null,null,null,null,null,"Gross Annual Income selects the row to use in the next table."]
["Genaral Amount for Calculation",null,"Amount",{"$f":"IF(D$4>=$C27,D27,IF(D$4>=$C26,D26,IF(D$4>=$C25,D25,IF(D$4>=$C24,D24,IF(D$4>=$C23,D23,IF(D$4>=$C22,D22,IF(D$4>=$C21,D21,IF(D$4>=$C20,D20,IF(D$4>=$C19,D19,IF(D$4>=$C18,D18,IF(D$4>=$C17,D17,IF(D$4>=$C16,D16,IF(D$4>=$C15,D15,D14)))))))))))))","v":646},{"$f":"IF(E$4>=$C27,E27,IF(E$4>=$C26,E26,IF(E$4>=$C25,E25,IF(E$4>=$C24,E24,IF(E$4>=$C23,E23,IF(E$4>=$C22,E22,IF(E$4>=$C21,E21,IF(E$4>=$C20,E20,IF(E$4>=$C19,E19,IF(E$4>=$C18,E18,IF(E$4>=$C17,E17,IF(E$4>=$C16,E16,IF(E$4>=$C15,E15,E14)))))))))))))","v":646},646,646]
[]
[null,null,null,null,null,"The Dependants selects the column from the next table."]
["General Dependants Table for Calculation",null,"Income","Amount","House2","House3","House4"]
[null,null,0,{"$f":"IF($D$3=0,D31,IF($D$3=1,E31,IF($D$3=2,F31,IF($D$3=3,G31,IF($D$3=4,H31,I31)))))","v":646},{"$f":"IF($E$3=0,L31,IF($E$3=1,M31,IF($E$3=2,N31,IF($E$3=3,O31,IF($E$3=4,P31,Q31)))))","v":646},{"$f":"IF($F$3=0,U31,IF($F$3=1,V31,IF($F$3=2,W31,IF($F$3=3,X31,IF($F$3=4,Y31,Z31)))))","v":646},{"$f":"IF($G$3=0,AD31,IF($G$3=1,AE31,IF($G$3=2,AF31,IF($G$3=3,AG31,IF($G$3=4,AH31,AI31)))))","v":646}]
[null,null,12000,{"$f":"IF($D$3=0,D32,IF($D$3=1,E32,IF($D$3=2,F32,IF($D$3=3,G32,IF($D$3=4,H32,I32)))))","v":800},{"$f":"IF($E$3=0,L32,IF($E$3=1,M32,IF($E$3=2,N32,IF($E$3=3,O32,IF($E$3=4,P32,Q32)))))","v":800},{"$f":"IF($F$3=0,U32,IF($F$3=1,V32,IF($F$3=2,W32,IF($F$3=3,X32,IF($F$3=4,Y32,Z32)))))","v":800},{"$f":"IF($G$3=0,AD32,IF($G$3=1,AE32,IF($G$3=2,AF32,IF($G$3=3,AG32,IF($G$3=4,AH32,AI32)))))","v":800}]
[null,null,24000,996,996,996,996]
[null,null,36000,1164,1164,1164,1164]
[null,null,48000,1281,1281,1281,1281]
[null,null,60000,1394,1394,1394,1394]
[null,null,72000,1485,1485,1485,1485]
[null,null,84000,1574,1574,1574,1574]
[null,null,96000,1656,1656,1656,1656]
[null,null,108000,1733,1733,1733,1733]
[null,null,120000,1908,1908,1908,1908]
[null,null,150000,2062,2062,2062,2062]
[null,null,180000,2333,2333,2333,2333]
[null,null,240000,2572,2572,2572,2572,null,null,null,null,"Household 2",null,null,null,null,null,null,null,null,"Household 3",null,null,null,null,null,null,null,null,"Household 4"]
[]
[null,null,null,"Dependants",null,"The Adults selects the table to use.",null,null,null,null,null,"Dependants",null,"The Adults selects the table to use.",null,null,null,null,null,null,"Dependants",null,"The Adults selects the table to use.",null,null,null,null,null,null,"Dependants",null,"The Adults selects the table to use."]
["General Adults Table for Calculation",null,"Income",0,1,2,3,4,5,null,"Income",0,1,2,3,4,5,null,null,"Income",0,1,2,3,4,5,null,null,"Income",0,1,2,3,4,5]
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[null,null,24000,{"$f":"IF($D$2<2,D49,IF($D$2=2,D65,IF($D$2=3,D81,D97)))","v":996},1343,1627,1854,1915,1948,null,24000,996,1343,1627,1854,1915,1948,null,null,24000,996,1343,1627,1854,1915,1948,null,null,24000,996,1343,1627,1854,1915,1948]
[null,null,36000,{"$f":"IF($D$2<2,D50,IF($D$2=2,D66,IF($D$2=3,D82,D98)))","v":1164},1545,1833,2270,2342,2378,null,36000,1164,1545,1833,2270,2342,2378,null,null,36000,1164,1545,1833,2270,2342,2378,null,null,36000,1164,1545,1833,2270,2342,2378]
[null,null,48000,{"$f":"IF($D$2<2,D51,IF($D$2=2,D67,IF($D$2=3,D83,D99)))","v":1281},1713,1979,2508,2590,2629,null,48000,1281,1713,1979,2508,2590,2629,null,null,48000,1281,1713,1979,2508,2590,2629,null,null,48000,1281,1713,1979,2508,2590,2629]
[null,null,60000,{"$f":"IF($D$2<2,D52,IF($D$2=2,D68,IF($D$2=3,D84,D100)))","v":1394},1889,2098,2656,2747,2792,null,60000,1394,1889,2098,2656,2747,2792,null,null,60000,1394,1889,2098,2656,2747,2792,null,null,60000,1394,1889,2098,2656,2747,2792]
[null,null,72000,{"$f":"IF($D$2<2,D53,IF($D$2=2,D69,IF($D$2=3,D85,D101)))","v":1485},1986,2184,2783,2883,2933,null,72000,1485,1986,2184,2783,2883,2933,null,null,72000,1485,1986,2184,2783,2883,2933,null,null,72000,1485,1986,2184,2783,2883,2933]
[null,null,84000,{"$f":"IF($D$2<2,D54,IF($D$2=2,D70,IF($D$2=3,D86,D102)))","v":1574},2061,2229,2895,3003,3059,null,84000,1574,2061,2229,2895,3003,3059,null,null,84000,1574,2061,2229,2895,3003,3059,null,null,84000,1574,2061,2229,2895,3003,3059]
[null,null,96000,{"$f":"IF($D$2<2,D55,IF($D$2=2,D71,IF($D$2=3,D87,D103)))","v":1656},2141,2341,2990,3106,3167,null,96000,1656,2141,2341,2990,3106,3167,null,null,96000,1656,2141,2341,2990,3106,3167,null,null,96000,1656,2141,2341,2990,3106,3167]
[null,null,108000,{"$f":"IF($D$2<2,D56,IF($D$2=2,D72,IF($D$2=3,D88,D104)))","v":1733},2229,2450,3045,3165,3230,null,108000,1733,2229,2450,3045,3165,3230,null,null,108000,1733,2229,2450,3045,3165,3230,null,null,108000,1733,2229,2450,3045,3165,3230]
[null,null,120000,{"$f":"IF($D$2<2,D57,IF($D$2=2,D73,IF($D$2=3,D89,D105)))","v":1908},2461,2687,3231,3366,3443,null,120000,1908,2461,2687,3231,3366,3443,null,null,120000,1908,2461,2687,3231,3366,3443,null,null,120000,1908,2461,2687,3231,3366,3443]
[null,null,150000,{"$f":"IF($D$2<2,D58,IF($D$2=2,D74,IF($D$2=3,D90,D106)))","v":2062},2667,2891,3476,3630,3723,null,150000,2062,2667,2891,3476,3630,3723,null,null,150000,2062,2667,2891,3476,3630,3723,null,null,150000,2062,2667,2891,3476,3630,3723]
[null,null,180000,{"$f":"IF($D$2<2,D59,IF($D$2=2,D75,IF($D$2=3,D91,D107)))","v":2333},3014,3206,3878,4062,4182,null,180000,2333,3014,3206,3878,4062,4182,null,null,180000,2333,3014,3206,3878,4062,4182,null,null,180000,2333,3014,3206,3878,4062,4182]
[null,null,240000,{"$f":"IF($D$2<2,D60,IF($D$2=2,D76,IF($D$2=3,D92,D108)))","v":2572},3305,3474,4218,4425,4568,null,240000,2572,3305,3474,4218,4425,4568,null,null,240000,2572,3305,3474,4218,4425,4568,null,null,240000,2572,3305,3474,4218,4425,4568]
[]
[null,"1 Adult",{"$f":"C30","v":"Income"},0,1,2,3,4,5,null,"Income",0,1,2,3,4,5]
[null,null,{"$f":"C31","v":0},{"$f":"ROUND(L47,0)","v":646},{"$f":"ROUND(M47,0)","v":779},976,903,938,962,null,0,646.2205758972209,779.05912123719543,975.70051221042308,903.08347578952225,937.76691305187728,962.35071134554141]
[null,null,12000,{"$f":"ROUND(L48,0)","v":800},{"$f":"ROUND(M48,0)","v":1109},{"$f":"ROUND(N48,0)","v":1450},{"$f":"ROUND(O48,0)","v":1310},{"$f":"ROUND(P48,0)","v":1357},{"$f":"ROUND(Q48,0)","v":1388},null,12000,799.56292124122081,1108.6613066629154,1449.730902088668,1309.8004899875159,1357.0707789351491,1387.6095105972186]
[null,null,24000,996,1343,1627,1854,1915,1948,null,24000,995.99849544307244,1343.1443933167343,1627.0146946900927,1854.2147133118533,1914.850594885829,1948.3031624820107]
[null,null,36000,1164,1545,1833,2270,2342,2378,null,36000,1164.1076301162466,1544.5892174471574,1832.8636454691782,2270.4822007893049,2342.1665698276797,2377.6551943074992]
[null,null,48000,1281,1713,1979,2508,2590,2629,null,48000,1281.2591342665344,1713.3862096217654,1978.5384338896956,2507.5582485987884,2589.624351207121,2629.3693045703421]
[null,null,60000,1394,1889,2098,2656,2747,2792,null,60000,1393.9952086887834,1889.1024757255225,2097.8571721377639,2656.4144718172238,2747.371065974713,2791.8434428277569]
[null,null,72000,1485,1986,2184,2783,2883,2933,null,72000,1485.3763007091632,1985.9021693744633,2183.9436742164121,2782.8593913645209,2882.6458593677717,2932.5012572075448]
[null,null,84000,1574,2061,2229,2895,3003,3059,null,84000,1573.7120889975374,2061.4808830297234,2229.2914056553536,2894.6778949883919,3002.9621676740389,3058.5376828576009]
[null,null,96000,1656,2141,2341,2990,3106,3167,null,96000,1655.976433393248,2140.6311921926404,2341.0196609376494,2989.7506146342212,3105.5594957704061,3166.5881099047756]
[null,null,108000,1733,2229,2450,3045,3165,3230,null,108000,1733.0826117267097,2228.9491112961041,2449.5731362782944,3044.8857333213177,3165.1222360727006,3229.5130101350205]
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[null,null,"Bonus",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G27)","v":"Annual"},{"$f":"'NSR Calculator'!$D$36","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K27)","v":"Annual"},{"$f":"'NSR Calculator'!$I$36","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O27)","v":"Annual"},{"$f":"'NSR Calculator'!$N$36","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S27)","v":"Annual"},{"$f":"'NSR Calculator'!$S$36","v":0}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S28)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Student Loan",null,null,"Threshold","Rate"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,"Allowance",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G30)","v":"Annual"},{"$f":"'NSR Calculator'!$D$39","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K30)","v":"Annual"},{"$f":"'NSR Calculator'!$I$39","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O30)","v":"Annual"},{"$f":"'NSR Calculator'!$N$39","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S30)","v":"Annual"},{"$f":"'NSR Calculator'!$S$39","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Yes",null,null,{"$f":"'Calculator Parameters'!B38","v":24128},{"$f":"'Calculator Parameters'!C38","v":0.12}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S31)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KiwiSaver"]
[null,null,"Commission",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G33)","v":"Annual"},{"$f":"'NSR Calculator'!$D$42","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K33)","v":"Annual"},{"$f":"'NSR Calculator'!$I$42","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O33)","v":"Annual"},{"$f":"'NSR Calculator'!$N$42","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S33)","v":"Annual"},{"$f":"'NSR Calculator'!$S$42","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S34)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B57","v":0.03}]
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[null,null,"Investment",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G36)","v":"Annual"},{"$f":"'NSR Calculator'!$D$45","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K36)","v":"Annual"},{"$f":"'NSR Calculator'!$I$45","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O36)","v":"Annual"},{"$f":"'NSR Calculator'!$N$45","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S36)","v":"Annual"},{"$f":"'NSR Calculator'!$S$45","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B59","v":0.08}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S37)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
[]
[null,null,"Beneficiary",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G39)","v":"Annual"},{"$f":"'NSR Calculator'!$D$48","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K39)","v":"Annual"},{"$f":"'NSR Calculator'!$I$48","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O39)","v":"Annual"},{"$f":"'NSR Calculator'!$N$48","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S39)","v":"Annual"},{"$f":"'NSR Calculator'!$S$48","v":0}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S40)","v":"Gross (Pre tax)"}]
[]
[null,null,"Contract",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G42)","v":"Annual"},{"$f":"'NSR Calculator'!$D$50","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K42)","v":"Annual"},{"$f":"'NSR Calculator'!$I$50","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O42)","v":"Annual"},{"$f":"'NSR Calculator'!$N$50","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S42)","v":"Annual"},{"$f":"'NSR Calculator'!$S$50","v":0}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S43)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC Earners levy",null,null,"ACC Levy Rate",null,"Maximum Levy",null,"Gross Income Threshold",null,"Maximum Tax",null,"After Tax and ACC Levy Income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Wages &Salary",null,null,{"$f":"'Calculator Parameters'!C22","v":1.7500000000000002E-2},null,{"$f":"'Calculator Parameters'!D22","v":2741.22},null,{"$f":"AM44/AK44","v":156641.14285714284},null,{"$f":"(AO44-AI54)*AK55+AM54","v":40167.545714285705},null,{"$f":"AO44-AQ44-AM44","v":113732.37714285713}]
[null,null,"Child Support",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G45)","v":"Annual"},{"$f":"'NSR Calculator'!$D$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K45)","v":"Annual"},{"$f":"'NSR Calculator'!$I$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O45)","v":"Annual"},{"$f":"'NSR Calculator'!$N$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,S45)","v":"Annual"},{"$f":"'NSR Calculator'!$S$52","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Self-employed",null,null,{"$f":"'Calculator Parameters'!C23","v":1.7500000000000002E-2},null,{"$f":"'Calculator Parameters'!D23","v":2741.22},null,{"$f":"AM45/AK45","v":156641.14285714284},null,{"$f":"(AO45-AI54)*AK55+AM54","v":40167.545714285705},null,{"$f":"AO45-AQ45-AM45","v":113732.37714285713}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S46)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Tax"]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income  Bands",null,null,"Marginal Tax Rate",null,"Maximum Tax",null,"Marginal Gross-up Rate",null,"After Tax Income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Min","Max"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B30","v":15600.01},{"$f":"'Calculator Parameters'!C30","v":53500},null,{"$f":"'Calculator Parameters'!D30","v":0.17499999999999999},null,{"$f":"AM51+(AI52-AI51)*AK52","v":8270.5},null,{"$f":"1/(1-AK52)","v":1.2121212121212122},null,{"$f":"AI52-AM52","v":45229.5}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B31","v":53500.01},{"$f":"'Calculator Parameters'!C31","v":78100},null,{"$f":"'Calculator Parameters'!D31","v":0.3},null,{"$f":"AM52+(AI53-AI52)*AK53","v":15650.5},null,{"$f":"1/(1-AK53)","v":1.4285714285714286},null,{"$f":"AI53-AM53","v":62449.5}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B33","v":180000.01},null,null,{"$f":"'Calculator Parameters'!D33","v":0.39},null,null,null,{"$f":"1/(1-AK55)","v":1.639344262295082}]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!D66","v":0},null,null,null,{"$f":"'NSR Calculator'!I66","v":0},null,null,null,{"$f":"'NSR Calculator'!N66","v":0},null,null,null,{"$f":"'NSR Calculator'!S66","v":0},null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!D68","v":0},null,null,null,{"$f":"'NSR Calculator'!I68","v":0},null,null,null,{"$f":"'NSR Calculator'!N68","v":0},null,null,null,{"$f":"'NSR Calculator'!S68","v":0},null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!D72","v":0},null,null,null,{"$f":"'NSR Calculator'!I72","v":0},null,null,null,{"$f":"'NSR Calculator'!N72","v":0},null,null,null,{"$f":"'NSR Calculator'!S72","v":0},null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate)/(1 -Marginal Tax Rate - ACC Rate)  = GI ",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy)/(1 -Marginal Tax Rate) = GI"]
[]
[]
[null,"Income (excluding rentals) after tax annual and monthly"]
[null,null,null,null,null,null,"Annual","Annual","Annual",null,"Annual","Annual","Annual",null,"Annual","Annual","Annual",null,"Annual","Annual","Annual"]
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[null,null,null,null,null,null,{"$f":"IF(I105<=$AQ$51,I105/(1-$AK$51-$AK$44),IF(I105<=$AQ$52,(I105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(I105<=$AQ$53,(I105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(I105<=$AQ$54,(I105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(I105<=$AS$44,(I105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(I105>$AS$44,(I105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"X105+Y105","v":0},{"$f":"IF(H46=$AH$17,INDEX($AH$9:$AK$13,G45,4)*I45+I103,0)","v":0},null,{"$f":"IF(M105<=$AQ$51,M105/(1-$AK$51-$AK$44),IF(M105<=$AQ$52,(M105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(M105<=$AQ$53,(M105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(M105<=$AQ$54,(M105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(M105<=$AS$44,(M105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(M105>$AS$44,(M105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AD105+AE105","v":0},{"$f":"IF(L46=$AH$17,INDEX($AH$9:$AK$13,K45,4)*M45+M103,0)","v":0},null,{"$f":"IF(Q105<=$AQ$51,Q105/(1-$AK$51-$AK$44),IF(Q105<=$AQ$52,(Q105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(Q105<=$AQ$53,(Q105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(Q105<=$AQ$54,(Q105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(Q105<=$AS$44,(Q105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(Q105>$AS$44,(Q105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AJ105+AK105","v":0},{"$f":"IF(P46=$AH$17,INDEX($AH$9:$AK$13,O45,4)*Q45+Q103,0)","v":0},null,{"$f":"IF(U105<=$AQ$51,U105/(1-$AK$51-$AK$44),IF(U105<=$AQ$52,(U105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(U105<=$AQ$53,(U105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(U105<=$AQ$54,(U105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(U105<=$AS$44,(U105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(U105>$AS$44,(U105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AP105+AQ105","v":0},{"$f":"IF(T46=$AH$17,INDEX($AH$9:$AK$13,S45,4)*U45+U103,0)","v":0},null,null,{"$f":"G105-I105-Y105","v":0},{"$f":"Y103","v":0},null,{"$f":"IF(Z104,IF(G105>$AK$30,(G105-$AK$30)*$AL$30,0),AA103)","v":0},{"$f":"IF(AB104>0,IF(AB104<0.03,1,0),0)","v":0},{"$f":"IF(OR(G105=0,AB104=0),0,(G105-G103)*AB104)","v":0},{"$f":"K105-M105-AE105","v":0},{"$f":"AE103","v":0},null,{"$f":"IF(AF104,IF(K105>$AK$30,(K105-$AK$30)*$AL$30,0),AG103)","v":0},{"$f":"IF(AH104>0,IF(AH104<0.03,1,0),0)","v":0},{"$f":"IF(OR(K105=0,AH104=0),0,(K105-K103)*AH104)","v":0},{"$f":"O105-Q105-AK105","v":0},{"$f":"AK103","v":0},null,{"$f":"IF(AL104,IF(O105>$AK$30,(O105-$AK$30)*$AL$30,0),AM103)","v":0},{"$f":"IF(AN104>0,IF(AN104<0.03,1,0),0)","v":0},{"$f":"IF(OR(O105=0,AN104=0),0,(O105-O103)*AN104)","v":0},{"$f":"S105-U105-AQ105","v":0},{"$f":"AQ103","v":0},null,{"$f":"IF(AR104,IF(S105>$AK$30,(S105-$AK$30)*$AL$30,0),AS103)","v":0},{"$f":"IF(AT104>0,IF(AT104<0.03,1,0),0)","v":0},{"$f":"IF(OR(S105=0,AT104=0),0,(S105-S103)*AT104)","v":0}]
[null,null,null,null,null,null,{"$f":"MAX(G104:G105)","v":0},{"$f":"MAX(H104:H105)","v":0},{"$f":"MAX(I104:I105)","v":0},{"$f":"K106-AG106-AI106","v":0},{"$f":"MAX(K104:K105)","v":0},{"$f":"MAX(L104:L105)","v":0},{"$f":"MAX(M104:M105)","v":0},{"$f":"O106-AM106-AO106","v":0},{"$f":"MAX(O104:O105)","v":0},{"$f":"MAX(P104:P105)","v":0},{"$f":"MAX(Q104:Q105)","v":0},{"$f":"S106-AS106-AU106","v":0},{"$f":"MAX(S104:S105)","v":0},{"$f":"MAX(T104:T105)","v":0},{"$f":"MAX(U104:U105)","v":0},null,null,{"$f":"MAX(X104:X105)","v":0},{"$f":"MAX(Y104:Y105)","v":0},null,{"$f":"MAX(AA104:AA105)","v":0},null,{"$f":"MAX(AC104:AC105)+AC103","v":0},{"$f":"MAX(AD104:AD105)","v":0},0,null,{"$f":"MAX(AG104:AG105)","v":0},null,{"$f":"MAX(AI104:AI105)+AI103","v":0},{"$f":"MAX(AJ104:AJ105)","v":0},0,null,{"$f":"MAX(AM104:AM105)","v":0},null,{"$f":"MAX(AO104:AO105)+AO103","v":0},{"$f":"MAX(AP104:AP105)","v":0},0,null,{"$f":"MAX(AS104:AS105)","v":0},null,{"$f":"MAX(AU104:AU105)+AU103","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,{"$f":"AM106","v":0},null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,{"$f":"AS106","v":0},null,{"$f":"AU106","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102+AB105","v":0},null,null,null,null,null,{"$f":"AH78+AH81+AH84+AH87+AH90+AH93+AH96+AH99+AH102+AH105","v":0},null,null,null,null,null,{"$f":"AN78+AN81+AN84+AN87+AN90+AN93+AN96+AN99+AN102+AN105","v":0},null,null,null,null,null,{"$f":"AT78+AT81+AT84+AT87+AT90+AT93+AT96+AT99+AT102+AT105","v":0}]
[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
[]
[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0},null,null,null,null,null,null,"All households has < 3",null,{"$f":"Z135+Calc2!Z135+Calc3!Z135+Calc4!Z135","v":0}]
[null,null,"Rental Housing Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Show Kiwisaver < 3%",null,{"$f":"IF(Z136>0,TRUE,FALSE)","v":false}]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,"Total Student Loan Balances",null,null,null,{"$f":"W67+Calc2!W67+Calc3!W67+Calc4!W67","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Total Student Loan Payments",null,null,null,{"$f":"AB133+Calc2!AB133+Calc3!AB133+Calc4!AB133","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,"Monthly Student Loan Payments",null,null,null,{"$f":"Q139/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!D77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!I77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car",null,"Total Residential",null,null,"Table (P and I)"]
[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",null,"Total Commercial"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},{"$f":"'NSR Calculator'!N77","v":0},{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Revolving Credit Type",null,null,"Repayment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Credit/Store Card Limits",null,null,3.7999999999999999E-2]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},{"$f":"'NSR Calculator'!S77","v":0},{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Other Bank OD Limits",null,null,0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Overdraft",null,null,0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Housing",null,null,0.03]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business O/D",null,null,0.1]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!D82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal O/D",null,null,0.1]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"((J167+J168)/12)+Calc2!J169+Calc3!J169+Calc4!J169","v":0},"All households",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2"]
[null,null,"Living Expenses"]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"IF($J$282>0,0, 'Calculator Parameters'!C52)","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!C88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!M88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,null,"Type",null,null,null,"Balance ",null,"Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO",null,null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)",null,null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,null,null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,null,null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C98","v":0},null,{"$f":"IF(G216>0,IF(AND('NSR Calculator'!D98>0,'NSR Calculator'!D98<Calculation!$K$288),'NSR Calculator'!D98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,I216>0),-PMT($E$284/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,I216>0),-PMT($E$284/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,I216>0),(G216*$E$284)/12,\"\")","v":""},null,null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*K217,)","v":0},null,null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C100","v":0},null,{"$f":"IF(G219>0,IF(AND('NSR Calculator'!D100>0,'NSR Calculator'!D100<Calculation!$K$288),'NSR Calculator'!D100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,I219>0),-PMT($E$284/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,I219>0),-PMT($E$284/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G219>0,I219>0),(G219*$E$284)/12,\"\")","v":""},null,null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*K220,)","v":0},null,null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,null,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business Related Loans"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Selection required"]
[null,null,"Existing Other Bank mortgage debt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No business debt"]
[null,null,"Type",null,null,null,"Balance ",null,"Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO",null,null,null,null,null,null,"Combined with other debt (not separately identifiable)"]
[null,null,null,null,null,null,null,null,null,"Frequency",true,null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)",null,null,null,null,null,null,"Separately identifiable - serviced by business income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,null,null,null,null,null,null,"Separately identifiable - serviced by non-business income"]
[null,null,null,null,null,null,null,null,null,null,true,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B231)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C107","v":0},null,{"$f":"IF(G231>0,IF(AND('NSR Calculator'!D107>0,'NSR Calculator'!D107<Calculation!$K$288),'NSR Calculator'!D107,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J231,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L231)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G231>0,I231>0),-PMT($E$284/K231,I231*K231,G231,),\"\")","v":""},{"$f":"IF(AND(G231>0,I231>0),-PMT($E$284/K231,$K$284/12*K231,G231,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G231>0,I231>0),(G231*$E$284)/12,\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J231,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N231),N231*K232,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U231),U231*K232,)","v":0},{"$f":"IF(ISNUMBER(V231),V231*K232,)","v":0},null,{"$f":"MAX(N232,U232,V232)","v":0},null,null,{"$f":"IF(ISNUMBER(AA231),AA231*K232,)","v":0}]
[]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B234)","v":"Total Residential"},null,null,null,{"$f":"'NSR Calculator'!C109","v":0},null,{"$f":"IF(G234>0,IF(AND('NSR Calculator'!D109>0,'NSR Calculator'!D109<Calculation!$K$288),'NSR Calculator'!D109,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J234,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L234)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G234>0,I234>0),-PMT($E$284/K234,I234*K234,G234,),\"\")","v":""},{"$f":"IF(AND(G234>0,I234>0),-PMT($E$284/K234,$K$284/12*K234,G234,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G234>0,I234>0),(G234*$E$284)/12,\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J234,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N234),N234*K235,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U234),U234*K235,)","v":0},{"$f":"IF(ISNUMBER(V234),V234*K235,)","v":0},null,{"$f":"MAX(N235,U235,V235)","v":0},null,null,{"$f":"IF(ISNUMBER(AA234),AA234*K235,)","v":0}]
[]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0}]
[]
[]
[]
[]
[]
[null,null,"Other Loans with Fixed Repayments"]
[null,null,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment","Rept P&I","Rept P&I Max Term",null,"Maximum Rept"]
[null,null,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)","(Calculated)","(Calculated)",null,"Monthly"]
[null,1,{"$f":"INDEX($AH$151:$AH$156,B246)","v":"Car"},null,null,null,{"$f":"'NSR Calculator'!C116","v":0},{"$f":"E284","v":6.5000000000000002E-2},{"$f":"$K$284/12","v":30},3,{"$f":"INDEX($AH$140:$AL$144,J246,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L246)","v":0},{"$f":"'NSR Calculator'!D116","v":0},{"$f":"IF(AND(G246>0,H246>0,I246>0),-PMT(H246/K246,I246*K246,G246,),\"\")","v":""},{"$f":"IF(AND(G246>0,H246>0,I246>0),-PMT(H246/K246,$K$284/12*K246,G246,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J246,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N246),N246*K247,)","v":0},{"$f":"IF(ISNUMBER(O246),O246*K247,)","v":0},{"$f":"IF(ISNUMBER(P246),P246*K247,)","v":0},null,{"$f":"MAX(N247:P247)","v":0}]
[null,null,null,null,null,null,null,null,null,null,true]
[null,1,{"$f":"INDEX($AH$151:$AH$156,B249)","v":"Car"},null,null,null,{"$f":"'NSR Calculator'!C118","v":0},{"$f":"E284","v":6.5000000000000002E-2},{"$f":"$K$284/12","v":30},3,{"$f":"INDEX($AH$140:$AL$144,J249,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L249)","v":0},{"$f":"'NSR Calculator'!D118","v":0},{"$f":"IF(AND(G249>0,H249>0,I249>0),-PMT(H249/K249,I249*K249,G249,),\"\")","v":""},{"$f":"IF(AND(G249>0,H249>0,I249>0),-PMT(H249/K249,$K$284/12*K249,G249,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,true,null,null,{"$f":"IF(ISNUMBER(N249),N249*K250,)","v":0},{"$f":"IF(ISNUMBER(O249),O249*K250,)","v":0},{"$f":"IF(ISNUMBER(P249),P249*K250,)","v":0},null,{"$f":"MAX(N250:P250)","v":0}]
[]
[null,null,"Loan repayments",null,null,null,null,null,null,null,null,null,null,{"$f":"N247+N250","v":0},{"$f":"O247+O250","v":0},{"$f":"P247+P250","v":0},null,{"$f":"R247+R250","v":0}]
[]
[]
[]
[]
[null,null,"Credit limits"]
[null,null,"Type",null,null,null,"Limit",null,"Repayment",null,"Include in NSR"]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B260)","v":"Total Credit/Store Card Limits"},null,null,null,{"$f":"'NSR Calculator'!C125","v":0},{"$f":"INDEX($AH$161:$AK$167,B260,4)","v":3.7999999999999999E-2},{"$f":"IF(K260,H260*G260,0)","v":0},null,true]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B262)","v":"Total Credit/Store Card Limits"},null,null,null,{"$f":"'NSR Calculator'!C127","v":0},{"$f":"INDEX($AH$161:$AK$167,B262,4)","v":3.7999999999999999E-2},{"$f":"IF(K262,H262*G262,0)","v":0},null,true]
[]
[null,2,{"$f":"INDEX($AH$161:$AH$167,B264)","v":"Total Other Bank OD Limits"},null,null,null,0,null,0]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B266)","v":"Total Credit/Store Card Limits"},null,null,null,0,null,0]
[]
[null,2,{"$f":"INDEX($AH$161:$AH$167,B268)","v":"Total Other Bank OD Limits"},null,null,null,0,null,0]
[]
[null,1,{"$f":"INDEX($AH$161:$AH$167,B270)","v":"Total Credit/Store Card Limits"},null,null,null,0,null,0]
[]
[null,2,{"$f":"INDEX($AH$161:$AH$167,B272)","v":"Total Other Bank OD Limits"},null,null,null,0,null,0]
[]
[]
[null,null,"Credit Limit Repayments",null,null,null,null,null,{"$f":"I260+I262","v":0}]
[]
[null,null,"Credit Limit Repayments - all applicants",null,null,null,null,null,{"$f":"I275","v":0}]
[null,null,"Business debt",null,null,null,1,{"$f":"INDEX($AH$225:$AH$229,G278)","v":"Selection required"}]
[]
[null,null,"Proposed Loan"]
[]
[null,null,"Loan Amount",null,{"$f":"'NSR Calculator'!N9","v":0},null,"Loan Term",null,null,0,"Scenario rate",null,null,null,"Input Term","Period"]
[null,null,null,null,"+ Buffer","Monthly",null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age",null,null,null,{"$f":"'NSR Calculator'!N11","v":0},1]
[null,null,"Rate",{"$f":"$AK$179","v":0.04},{"$f":"IF(J282>0,J282,D284+$AK$177)","v":6.5000000000000002E-2},{"$f":"E284/12","v":5.4166666666666669E-3},"Proposed maximum loan term",null,null,null,{"$f":"MIN($AK$170,W5,Calc2!W5,Calc3!W5,Calc4!W5)*12","v":360},null,{"$f":"IF(AND(K284>11,K284<24),\"1 year \",IF(K284>23,INT(K284/12)&\" years \",))&IF(MOD(K284,12)=1,\" 1 month\",IF(MOD(K284,12)>1,MOD(K284,12)&\" months\",))","v":"30 years "},null,{"$f":"IF(P283=1,IF(O283>30,30,O283)*12,IF(O283>360,360,O283))","v":0},{"$f":"AN22","v":"Months"}]
[null,null,null,null,null,null,"Slider value (Minimum is 1 month)",null,null,1]
[null,null,"Rept Max Term",null,{"$f":"-PMT(F284,K284,E282,)","v":0},{"$f":"-PMT(F284,K284,E282,)","v":0},"Applicant loan term",null,null,{"$f":"IF(J285<=1, O284,J285)","v":0},{"$f":"MIN(J286,K284)","v":0},null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
[]
[null,null,"Rept Applicant Term",null,null,{"$f":"IFERROR(-PMT(F284,K286,E282,),0)","v":0},"Loan Term for this application",null,null,null,{"$f":"MIN(K286,K284)","v":0},null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
[null,null,"IO",null,null,{"$f":"E282*F284","v":0}]
[]
[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F459:L459))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!D7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},{"$f":"Calc2!J208","v":0},{"$f":"Calc3!J208","v":0},{"$f":"Calc4!J208","v":0}]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},{"$f":"I297","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317+Q140","v":0},{"$f":"AA222+AA237+I315+I317+Q140","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"F288","v":0},{"$f":"F289","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N459+Calc2!Z305+Calc3!Z305+Calc4!Z305","v":0},{"$f":"Z305","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0},null,null,null,null,null,null,null,null,"-   ","-   "]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0},null,null,null,null,"Rental Income",null,null,null,{"$f":"I319","v":0},{"$f":"Z307","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0},null,null,null,null,"MNI",null,null,null,{"$f":"SUM(Z305:Z307)","v":0},0]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,null,null,{"$f":"IF(Z308=0,0,Z302/Z308)","v":0},0]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
[]
[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Current Monthly Commitments with \"&$AL$177&\"% Interest Buffer\"","v":"Current Monthly Commitments with 2.5% Interest Buffer"},null,null,null,null,null,null,{"$f":"I297+R303+R309+I315+I317-I319","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Including \"&$AL$177&\"% Interest buffer\"","v":"Including 2.5% Interest buffer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max Term",null,"Applicant Term"]
[null,null,null,null,null,null,null,null,null,null,"Repayment on proposed loan",null,null,null,{"$f":"-PMT(F284,K284,E282,)","v":0},null,{"$f":"-PMT(F284,K286,E282,)","v":{"$error":"#NUM!"}}]
[]
[null,null,null,null,null,null,null,null,null,null,"Total Monthly Commitments",null,null,null,{"$f":"O325+R321","v":0},null,{"$f":"Q325+R321","v":{"$error":"#NUM!"}}]
[]
[null,null,null,null,null,null,null,null,null,null,"Net Servicing Ratio (NSR) Suggested Change",null,null,null,{"$f":"(O327-I297)/(I293-I297)","v":{"$error":"#DIV/0!"}},null,{"$f":"(Q327-I297)/(I293-I297)","v":{"$error":"#NUM!"}},null,"Initial and suggested: ",null,"MC = Loan Reapayments + Allowance for Limits - Weighted Rental Income"]
[null,null,null,null,null,null,null,null,null,null,"Net Servicing Ratio (NSR) Initial",null,null,null,{"$f":"O327/I293","v":{"$error":"#DIV/0!"}},null,{"$f":"Q327/I293","v":{"$error":"#NUM!"}},null,"Initial Policy",null,"NSR = (MC + MLA) /MNI x 100, so 0.95 x100 x MNI = (MC + MLA), so (0.95 x 100 x MNI) – MLA = MC"]
[null,null,null,null,null,null,null,null,null,null,"Repayment Cover Ratio (RCR) ",null,null,null,{"$f":"I293/O327","v":{"$error":"#DIV/0!"}},null,{"$f":"I293/Q327","v":{"$error":"#NUM!"}},null,"Suggested Change",null,"NSR = MC /(MNI - MLA)x 100, so 0.95 x100 x (MNI - MLA)= MC "]
[]
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[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
[null,null,"Business income",null,null,{"$f":"(G65+G66)*$AP$12","v":0},null,{"$f":"(K65+K66)*$AP$12","v":0},null,{"$f":"(O65+O66)*$AP$12","v":0},null,{"$f":"(S65+S66)*$AP$12","v":0},null,{"$f":"SUM(F459,H459,J459,L459)/12","v":0}]
[]
[null,null,"Output Messagges"]
[null,null,null,null,null,"NSR"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Z310>0,ROUND(Z310*100,0),\"0\")&\"%\"","v":"0%"}]
[null,null,"Applicant Loan Term",null,null,{"$f":"IF(AND(Z310<=$AK$173,'NSR Calculator'!C159>=0),R465,IF(AND(Z310>$AK$173,Q329<=$AK$173),R466,R467))","v":"The NSR is 0%. Repayments for this loan amount and term meet servicing requirements"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"The NSR is \"&R464&\". Repayments for this loan amount and term meet servicing requirements\"","v":"The NSR is 0%. Repayments for this loan amount and term meet servicing requirements"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Repayments over this term exceed the maximum servicing level, but the loan amount could meet servcing requirements for a longer term"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Repayments over this term are above the maximum servicing level and the loan amount needs to be reduced"]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"including Rental",null,null,"Initial and suggested: ",null,"MC = Loan Reapayments + Allowance for Limits - Weighted Rental Income"]
[null,null,"Monthly Income (excluding Rental)",null,null,null,null,null,{"$f":"I135/12","v":0},{"$f":"I473+J169","v":0},null,null,"Initial Policy",null,"0.95 = (MC + MLA) /MNI x 100, so 0.95 x100 x MNI = (MC + MLA), so (0.95 x 100 x MNI) – MLA = MC"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Suggested Change",null,"0.95 = MC /(MNI - MLA)x 100, so 0.95 x100 x (MNI - MLA)= MC ",null,null,null,null,null,null,null,null,null,null,"SBS","IO"]
[null,null,"Net Servicing Ratio",null,null,null,null,null,null,{"$f":"$AK$173","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,"Max NSR",null,{"$f":"$AK$173","v":1},{"$f":"$AK$173","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Initial",null,null,null,null,null,null,null,null,null,null,"MNI",null,{"$f":"Z308","v":0},{"$f":"AA308","v":0}]
[null,null,{"$f":"\"Maximum Funds Available for debt servicing within NSR of \"&ROUND(AK173*100,0)&\"%\"","v":"Maximum Funds Available for debt servicing within NSR of 100%"},null,null,null,null,null,null,{"$f":"J475*(J473-J297+N459)","v":0},null,null,{"$f":"$AK$173*I473+J169-I297","v":0},null,null,null,"doesn't include other debt repayments (changed to MC rather than MLA)",null,null,null,null,null,null,"MLA",null,{"$f":"Z297","v":0},{"$f":"Z297","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Debt Servcing Capacity with \"&$AL$177&\"% Interest Buffer\"","v":"Debt Servcing Capacity with 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,null,null,"Funds",null,{"$f":"(Z475*Z476)-Z477","v":0},{"$f":"(AA475*AA476)-AA477","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Maximum Funds Available to service new loan within NSR of \"&ROUND(AK173*100,0)&\"%\"","v":"Maximum Funds Available to service new loan within NSR of 100%"},null,null,null,null,null,{"$f":"M477-Z299","v":0},null,null,null,null,null,null,"Curr Com",null,{"$f":"Z299","v":0},{"$f":"AA299","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Servicing",null,{"$f":"Z479-Z480","v":0},{"$f":"AA479-AA480","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Maximum Funds Available to service new loan within NSR of 100%\"","v":"Maximum Funds Available to service new loan within NSR of 100%"},null,null,null,null,null,{"$f":"I473+J169-I297-Z299","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,{"$f":"Z476-Z477-Z480","v":0},{"$f":"AA476-AA477-AA480","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rate",null,{"$f":"F284","v":5.4166666666666669E-3},{"$f":"F284","v":5.4166666666666669E-3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"nper",null,{"$f":"$K$284","v":360},{"$f":"$K$284","v":360}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max Loan",null,{"$f":"-PV(Z486,Z487,Z481,0)","v":0},{"$f":"-PV(AA486,AA487,AA481,0)","v":0},"Max Term"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ap nper",null,{"$f":"$K$286","v":0},{"$f":"$K$286","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max Loan",null,{"$f":"-PV(Z486,Z489,Z481,0)","v":0},{"$f":"-PV(AA486,AA489,AA481,0)","v":0},"Loan Term"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"NSR Result in NSR Calculator",null,null,null,null,null,{"$f":"$Z$310","v":0}]
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[null,null,"Scenario IO NSR Result",null,null,null,null,null,{"$f":"$AA$310","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B33","v":180000.01},null,null,{"$f":"'Calculator Parameters'!D33","v":0.39},null,null,null,{"$f":"1/(1-AK55)","v":1.639344262295082}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!Y66","v":0},null,null,null,{"$f":"'NSR Calculator'!AD66","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!Y68","v":0},null,null,null,{"$f":"'NSR Calculator'!AD68","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!Y72","v":0},null,null,null,{"$f":"'NSR Calculator'!AD72","v":0},null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate) = GI - GI * Marginal Tax Rate - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy) = GI - GI * Marginal Tax Rate "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate)/(1 -Marginal Tax Rate - ACC Rate)  = GI ",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy)/(1 -Marginal Tax Rate) = GI"]
[]
[]
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[null,10,"Child Support",null,null,null,{"$f":"IF(H46=$AH$16,INDEX($AH$9:$AK$13,G45,4)*I45+G103,0)","v":0},{"$f":"X104+Y104","v":0},{"$f":"G104-H104","v":0},null,{"$f":"IF(L46=$AH$16,INDEX($AH$9:$AK$13,K45,4)*M45+K103,0)","v":0},{"$f":"AD104+AE104","v":0},{"$f":"K104-L104","v":0},null,{"$f":"IF(P46=$AH$16,INDEX($AH$9:$AK$13,O45,4)*Q45+O103,0)","v":0},{"$f":"AJ104+AK104","v":0},{"$f":"O104-P104","v":0},null,{"$f":"IF(T46=$AH$16,INDEX($AH$9:$AK$13,S45,4)*U45+S103,0)","v":0},{"$f":"AP104+AQ104","v":0},{"$f":"S104-T104","v":0},null,null,{"$f":"X103","v":0},{"$f":"Y103","v":0},false,{"$f":"IF(Z104,IF(G104>$AK$30,(G104-$AK$30)*$AL$30,0),AA103)","v":0},{"$f":"'NSR Calculator'!AA52","v":0},{"$f":"IF(OR(G104=0,AB104=0),0,(G104-G103)*AB104)","v":0},{"$f":"AD103","v":0},{"$f":"AE103","v":0},false,{"$f":"IF(AF104,IF(K104>$AK$30,(K104-$AK$30)*$AL$30,0),AG103)","v":0},{"$f":"'NSR Calculator'!AF52","v":0},{"$f":"IF(OR(K104=0,AH104=0),0,(K104-K103)*AH104)","v":0},{"$f":"IF(O104>$AI$54,(O104-$AI$54)*$AK$55+$AM$54,IF(O104>$AI$53,(O104-$AI$53)*$AK$54+$AM$53,IF(O104 > $AI$52,(O104-$AI$52)*$AK$53+$AM$52,IF(O104>$AI$51,(O104-$AI$51)*$AK$52+$AM$51,IF(O104>0,O104*$AK$51,0)))))","v":0},{"$f":"IF((O104-$N$82)>$AO$44,$AM$44,IF((O104-O103)>0,(O104-$N$82)*$AK$44,AK103))","v":0},{"$f":"$AL$75","v":false},{"$f":"IF(AL104,IF(O104>$AK$30,(O104-$AK$30)*$AL$30,0),AM103)","v":0},0,{"$f":"IF(OR(O104=0,AN104=0),0,(O104-O103)*AN104)","v":0},{"$f":"IF(S104>$AI$54,(S104-$AI$54)*$AK$55+$AM$54,IF(S104>$AI$53,(S104-$AI$53)*$AK$54+$AM$53,IF(S104 > $AI$52,(S104-$AI$52)*$AK$53+$AM$52,IF(S104>$AI$51,(S104-$AI$51)*$AK$52+$AM$51,IF(S104>0,S104*$AK$51,0)))))","v":0},{"$f":"IF((S104-$R$82)>$AO$44,$AM$44,IF((S104-S103)>0,(S104-$R$82)*$AK$44,AQ103))","v":0},{"$f":"$AR$75","v":false},null,null,{"$f":"IF(OR(S104=0,AT104=0),0,(S104-S103)*AT104)","v":0}]
[null,null,null,null,null,null,{"$f":"IF(I105<=$AQ$51,I105/(1-$AK$51-$AK$44),IF(I105<=$AQ$52,(I105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(I105<=$AQ$53,(I105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(I105<=$AQ$54,(I105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(I105<=$AS$44,(I105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(I105>$AS$44,(I105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"X105+Y105","v":0},{"$f":"IF(H46=$AH$17,INDEX($AH$9:$AK$13,G45,4)*I45+I103,0)","v":0},null,{"$f":"IF(M105<=$AQ$51,M105/(1-$AK$51-$AK$44),IF(M105<=$AQ$52,(M105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(M105<=$AQ$53,(M105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(M105<=$AQ$54,(M105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(M105<=$AS$44,(M105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(M105>$AS$44,(M105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AD105+AE105","v":0},{"$f":"IF(L46=$AH$17,INDEX($AH$9:$AK$13,K45,4)*M45+M103,0)","v":0},null,{"$f":"IF(Q105<=$AQ$51,Q105/(1-$AK$51-$AK$44),IF(Q105<=$AQ$52,(Q105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(Q105<=$AQ$53,(Q105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(Q105<=$AQ$54,(Q105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(Q105<=$AS$44,(Q105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(Q105>$AS$44,(Q105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AJ105+AK105","v":0},{"$f":"IF(P46=$AH$17,INDEX($AH$9:$AK$13,O45,4)*Q45+Q103,0)","v":0},null,{"$f":"IF(U105<=$AQ$51,U105/(1-$AK$51-$AK$44),IF(U105<=$AQ$52,(U105+$AM$51-$AI$51*$AK$52)/(1-$AK$52-$AK$44),IF(U105<=$AQ$53,(U105+$AM$52-$AI$52*$AK$53)/(1-$AK$53-$AK$44),IF(U105<=$AQ$54,(U105+$AM$53-$AI$53*$AK$54)/(1-$AK$54-$AK$44),IF(U105<=$AS$44,(U105+$AM$54-$AI$54*$AK$55)/(1-$AK$55-$AK$44),IF(U105>$AS$44,(U105+$AM$44+$AM$54-$AI$54*$AK$55)/(1-$AK$55)))))))","v":0},{"$f":"AP105+AQ105","v":0},{"$f":"IF(T46=$AH$17,INDEX($AH$9:$AK$13,S45,4)*U45+U103,0)","v":0},null,null,{"$f":"G105-I105-Y105","v":0},{"$f":"Y103","v":0},null,{"$f":"IF(Z104,IF(G105>$AK$30,(G105-$AK$30)*$AL$30,0),AA103)","v":0},{"$f":"IF(AB104>0,IF(AB104<0.03,1,0),0)","v":0},{"$f":"IF(OR(G105=0,AB104=0),0,(G105-G103)*AB104)","v":0},{"$f":"K105-M105-AE105","v":0},{"$f":"AE103","v":0},null,{"$f":"IF(AF104,IF(K105>$AK$30,(K105-$AK$30)*$AL$30,0),AG103)","v":0},{"$f":"IF(AH104>0,IF(AH104<0.03,1,0),0)","v":0},{"$f":"IF(OR(K105=0,AH104=0),0,(K105-K103)*AH104)","v":0},{"$f":"O105-Q105-AK105","v":0},{"$f":"IF((O105-$N$82)>$AO$44,$AM$44,IF((O105-O103)>0,(O105-$N$82)*$AK$44,AK103))","v":0},null,null,null,{"$f":"IF(OR(O105=0,AN104=0),0,(O105-O103)*AN104)","v":0},{"$f":"S105-U105-AQ105","v":0},{"$f":"IF((S105-$R$82)>$AO$44,$AM$44,IF((S105-S103)>0,(S105-$R$82)*$AK$44,AQ103))","v":0},null,null,null,{"$f":"IF(OR(S105=0,AT104=0),0,(S105-S103)*AT104)","v":0}]
[null,null,null,null,null,null,{"$f":"MAX(G104:G105)","v":0},{"$f":"MAX(H104:H105)","v":0},{"$f":"MAX(I104:I105)","v":0},{"$f":"K106-AG106-AI106","v":0},{"$f":"MAX(K104:K105)","v":0},{"$f":"MAX(L104:L105)","v":0},{"$f":"MAX(M104:M105)","v":0},{"$f":"O106-AM106-AO106","v":0},{"$f":"MAX(O104:O105)","v":0},{"$f":"MAX(P104:P105)","v":0},{"$f":"MAX(Q104:Q105)","v":0},{"$f":"S106-AS106-AU106","v":0},{"$f":"MAX(S104:S105)","v":0},{"$f":"MAX(T104:T105)","v":0},{"$f":"MAX(U104:U105)","v":0},null,null,{"$f":"MAX(X104:X105)","v":0},{"$f":"MAX(Y104:Y105)","v":0},null,{"$f":"MAX(AA104:AA105)","v":0},null,{"$f":"MAX(AC104:AC105)+AC103","v":0},{"$f":"MAX(AD104:AD105)","v":0},0,null,{"$f":"MAX(AG104:AG105)","v":0},null,{"$f":"MAX(AI104:AI105)+AI103","v":0},{"$f":"MAX(AJ104:AJ105)","v":0},0,null,null,null,{"$f":"MAX(AO104:AO105)+AO103","v":0},{"$f":"MAX(AP104:AP105)","v":0},0,null,null,null,{"$f":"MAX(AU104:AU105)+AU103","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,null,null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,null,null,{"$f":"AU106","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102+AB105","v":0},null,null,null,null,null,{"$f":"AH78+AH81+AH84+AH87+AH90+AH93+AH96+AH99+AH102+AH105","v":0}]
[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
[]
[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0}]
[null,null,"Rental Housing Income"]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!Y77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!AD77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car",null,"Total Residential",null,null,"Table (P and I)"]
[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",null,"Total Commercial"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0}]
[]
[]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0}]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!Y82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0}]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"(J167+J168)/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B49","v":0},null,null,{"$f":"'Calculator Parameters'!C49","v":0},{"$f":"AK175*100","v":0}]
[null,null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B48","v":0},null,null,{"$f":"'Calculator Parameters'!C48","v":0}]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"'Calculator Parameters'!C52","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!Y88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!AD88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,1]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[null,1]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept",null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G216>0,H216>0),IF('NSR Calculator'!G98>0,'NSR Calculator'!G98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),(G216*($AK$179+$AK$177))/12,\"\")","v":""},{"$f":"IF(AND(M216>0,N216>0,O216>0),-PMT(($AK$179+$AK$177)/(Q216*100),$K$284/12*Q216,M216,),\"\")","v":""},null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*Q217,)","v":0},{"$f":"IF(ISNUMBER(AB216),AB216*Q217,)","v":0},null,{"$f":"MAX(T217,AA217,AB217)","v":0},null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G219>0,H219>0),IF('NSR Calculator'!G100>0,'NSR Calculator'!G100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),O219*Q219,M219,),\"\")","v":""},{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),$K$284/12*Q219,M219,),\"\")","v":""},null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*Q220,)","v":0},{"$f":"IF(ISNUMBER(AB219),AB219*Q220,)","v":0},null,{"$f":"MAX(T220,AA220,AB220)","v":0},null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,1,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0},{"$f":"AB217+AB220","v":0},null,{"$f":"AD217+AD220","v":0}]
[]
[null,1]
[null,1]
[null,null,"Existing Other Bank mortgage debt"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept"]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"}]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
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[null,1]
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[null,1]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0},{"$f":"AB232+AB235","v":0},null,{"$f":"AD232+AD235","v":0}]
[null,1]
[null,1]
[null,1]
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[null,1]
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[null,null,"Proposed Loan"]
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[null,null,"Loan Amount",null,0,null,"Loan Term",null,null,0,"Scenario rate"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
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[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
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[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F335:L335))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!E7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},"-   ","-   ","-   "]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317","v":0},{"$f":"R303+R309+I315+I317","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"Calculation!Z300","v":0},{"$f":"Calculation!AA300","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N335","v":0},{"$f":"(I135/12)+N335","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
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[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
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[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
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[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S28)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Student Loan",null,null,"Threshold","Rate"]
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[null,null,"Allowance",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G30)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K30)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O30)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S30)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Yes",null,null,{"$f":"'Calculator Parameters'!B38","v":24128},{"$f":"'Calculator Parameters'!C38","v":0.12}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S31)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KiwiSaver"]
[null,null,"Commission",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G33)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K33)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O33)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S33)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S34)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B57","v":0.03}]
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[null,null,"Investment",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G36)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K36)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O36)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S36)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B59","v":0.08}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S37)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
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[null,null,"Beneficiary",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G39)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K39)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O39)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S39)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S40)","v":"Gross (Pre tax)"}]
[]
[null,null,"Contract",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G42)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K42)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O42)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S42)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S43)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC Earners levy",null,null,"ACC Levy Rate",null,"Maximum Levy",null,"Gross Income Threshold",null,"Maximum Tax",null,"After Tax and ACC Levy Income"]
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[null,null,"Child Support",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G45)","v":"Annual"},{"$f":"'NSR Calculator'!$AJ$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K45)","v":"Annual"},{"$f":"'NSR Calculator'!$AO$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O45)","v":"Annual"},0,null,1,{"$f":"INDEX($AH$9:$AH$13,S45)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Self-employed",null,null,{"$f":"'Calculator Parameters'!C23","v":1.7500000000000002E-2},null,{"$f":"'Calculator Parameters'!D23","v":2741.22},null,{"$f":"AM45/AK45","v":156641.14285714284},null,{"$f":"(AO45-AI54)*AK55+AM54","v":40167.545714285705},null,{"$f":"AO45-AQ45-AM45","v":113732.37714285713}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S46)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Tax"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!AJ66","v":0},null,null,null,{"$f":"'NSR Calculator'!AO66","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!AJ68","v":0},null,null,null,{"$f":"'NSR Calculator'!AO68","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!AJ72","v":0},null,null,null,{"$f":"'NSR Calculator'!AO72","v":0},null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[]
[]
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[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,null,null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,null,null,{"$f":"AU106","v":0}]
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[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
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[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
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[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0}]
[null,null,"Rental Housing Income"]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!AJ77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!AO77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car",null,"Total Residential",null,null,"Table (P and I)"]
[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",null,"Total Commercial"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0}]
[]
[]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0}]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!AJ82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0}]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"(J167+J168)/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B49","v":0},null,null,{"$f":"'Calculator Parameters'!C49","v":0},{"$f":"AK175*100","v":0}]
[null,null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B48","v":0},null,null,{"$f":"'Calculator Parameters'!C48","v":0}]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"'Calculator Parameters'!C52","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!AJ88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!AO88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,1]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[null,1]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept",null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G216>0,H216>0),IF('NSR Calculator'!G98>0,'NSR Calculator'!G98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),(G216*($AK$179+$AK$177))/12,\"\")","v":""},{"$f":"IF(AND(M216>0,N216>0,O216>0),-PMT(($AK$179+$AK$177)/(Q216*100),$K$284/12*Q216,M216,),\"\")","v":""},null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*Q217,)","v":0},{"$f":"IF(ISNUMBER(AB216),AB216*Q217,)","v":0},null,{"$f":"MAX(T217,AA217,AB217)","v":0},null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G219>0,H219>0),IF('NSR Calculator'!G100>0,'NSR Calculator'!G100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),O219*Q219,M219,),\"\")","v":""},{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),$K$284/12*Q219,M219,),\"\")","v":""},null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*Q220,)","v":0},{"$f":"IF(ISNUMBER(AB219),AB219*Q220,)","v":0},null,{"$f":"MAX(T220,AA220,AB220)","v":0},null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,1,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0},{"$f":"AB217+AB220","v":0},null,{"$f":"AD217+AD220","v":0}]
[]
[null,1]
[null,1]
[null,null,"Existing Other Bank mortgage debt"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept"]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"}]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
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[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J231,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N231),N231*K232,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U231),U231*K232,)","v":0},{"$f":"IF(ISNUMBER(V231),V231*K232,)","v":0},null,{"$f":"MAX(N232,U232,V232)","v":0},null,null,{"$f":"IF(ISNUMBER(AA231),AA231*Q232,)","v":0},{"$f":"IF(ISNUMBER(AB231),AB231*Q232,)","v":0},null,{"$f":"MAX(T232,AA232,AB232)","v":0}]
[null,1]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B234)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G234>0,H234>0),IF('NSR Calculator'!G109>0,'NSR Calculator'!G109,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J234,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L234)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G234>0,H234>0,I234>0),-PMT(($AK$179+$AK$177)/K234,I234*K234,G234,),\"\")","v":""},{"$f":"IF(AND(G234>0,H234>0,I234>0),-PMT(($AK$179+$AK$177)/K234,$K$284/12*K234,G234,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M234>0,N234>0,O234>0),-PMT(($AK$179+$AK$177)/(Q234*100),O234*Q234,M234,),\"\")","v":""},{"$f":"IF(AND(M234>0,N234>0,O234>0),-PMT(($AK$179+$AK$177)/(Q234*100),$K$284/12*Q234,M234,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J234,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N234),N234*K235,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U234),U234*K235,)","v":0},{"$f":"IF(ISNUMBER(V234),V234*K235,)","v":0},null,{"$f":"MAX(N235,U235,V235)","v":0},null,null,{"$f":"IF(ISNUMBER(AA234),AA234*Q235,)","v":0},{"$f":"IF(ISNUMBER(AB234),AB234*Q235,)","v":0},null,{"$f":"MAX(T235,AA235,AB235)","v":0}]
[null,1]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0},{"$f":"AB232+AB235","v":0},null,{"$f":"AD232+AD235","v":0}]
[null,1]
[null,1]
[null,1]
[]
[null,1]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Proposed Loan"]
[]
[null,null,"Loan Amount",null,0,null,"Loan Term",null,null,0,"Scenario rate"]
[null,null,null,null,"+ Buffer","Monthly",null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age"]
[null,null,"Rate",{"$f":"IF(J282>0,J282,$AK$179)","v":0.04},{"$f":"D284+$AK$177","v":6.5000000000000002E-2},{"$f":"E284/12","v":5.4166666666666669E-3},"Proposed maximum loan term",null,null,null,{"$f":"Calculation!K284","v":360}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
[]
[]
[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F335:L335))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!E7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},"-   ","-   ","-   "]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317","v":0},{"$f":"R303+R309+I315+I317","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"Calculation!Z300","v":0},{"$f":"Calculation!AA300","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N335","v":0},{"$f":"(I135/12)+N335","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
[]
[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
[null,null,"Business income",null,null,{"$f":"('NSR Calculator'!AJ66+'NSR Calculator'!AJ68)*$AP$12","v":0},null,{"$f":"('NSR Calculator'!AO66+'NSR Calculator'!AO68)*$AP$12","v":0},null,0,null,0,null,{"$f":"SUM(F335,H335,J335,L335)/12","v":0}]

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[null,"Age of applicants",null,null,null,null,{"$f":"'NSR Calculator'!AU25","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ25","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age"]
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[null,null,null,null,null,null,null,null,{"$f":"Calculation!I11","v":"Retail Lending: NSR should be 100% or less for approval"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,26.071428571428573,{"$f":"365/14/12","v":2.1726190476190479},null,"Commission",null,{"$f":"'Calculator Parameters'!C14","v":0.75}]
[null,"Children in household",null,null,{"$f":"'NSR Calculator'!AZ16","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,52.142857142857146,{"$f":"365/7/12","v":4.3452380952380958},null,"Self-employed",null,{"$f":"'Calculator Parameters'!C15","v":1},null,"Includes Contract, Business Income"]
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[null,"Investment",null,{"$f":"Calculation!D15","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax status",null,null,null,null,null,"Boarder",null,{"$f":"'Calculator Parameters'!C20","v":0.8}]
[null,"Income input data (excluding rentals)  source and amount ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross (Pre tax)",null,null,null,null,null,"Bonus",null,{"$f":"'Calculator Parameters'!C12","v":0.7}]
[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2 ",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net (After tax)",null,null,null,null,null,"Allowance",null,{"$f":"'Calculator Parameters'!C13","v":0.8}]
[null,null,"Salary or Wages",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G18)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$27","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K18)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$27","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O18)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S18)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Investment",null,{"$f":"'Calculator Parameters'!C18","v":0.5}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G19)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K19)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O19)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S19)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Child Support",null,{"$f":"'Calculator Parameters'!C19","v":0.8}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,"Self-employed",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G21)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$30","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K21)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$30","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O21)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S21)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Rental Frequency List",null,null,"To Annual","To Monthly"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G22)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K22)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O22)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S22)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
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[null,null,"Overtime ",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G24)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$33","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K24)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$33","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O24)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S24)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O25)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S25)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Bonus",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G27)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$36","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K27)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$36","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O27)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S27)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O28)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S28)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Student Loan",null,null,"Threshold","Rate"]
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[null,null,"Allowance",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G30)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K30)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$39","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O30)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S30)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Yes",null,null,{"$f":"'Calculator Parameters'!B38","v":24128},{"$f":"'Calculator Parameters'!C38","v":0.12}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O31)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S31)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KiwiSaver"]
[null,null,"Commission",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G33)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K33)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$42","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O33)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S33)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O34)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S34)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B57","v":0.03}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B58","v":0.04}]
[null,null,"Investment",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G36)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K36)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$45","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O36)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S36)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B59","v":0.08}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O37)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S37)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
[]
[null,null,"Beneficiary",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G39)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K39)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$48","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O39)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S39)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O40)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S40)","v":"Gross (Pre tax)"}]
[]
[null,null,"Contract",null,"Frequency",null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,G42)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,K42)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$50","v":0},null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,O42)","v":"Annual"},0,null,1,{"$f":"INDEX(Calculation!$AH$9:$AH$13,S42)","v":"Annual"},0]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,G43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,K43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,O43)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX(Calculation!$AH$16:$AH$17,S43)","v":"Gross (Pre tax)"},null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC Earners levy",null,null,"ACC Levy Rate",null,"Maximum Levy",null,"Gross Income Threshold",null,"Maximum Tax",null,"After Tax and ACC Levy Income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Wages &Salary",null,null,{"$f":"'Calculator Parameters'!C22","v":1.7500000000000002E-2},null,{"$f":"'Calculator Parameters'!D22","v":2741.22},null,{"$f":"AM44/AK44","v":156641.14285714284},null,{"$f":"(AO44-AI54)*AK55+AM54","v":40167.545714285705},null,{"$f":"AO44-AQ44-AM44","v":113732.37714285713}]
[null,null,"Child Support",null,"Frequency",null,1,{"$f":"INDEX($AH$9:$AH$13,G45)","v":"Annual"},{"$f":"'NSR Calculator'!$AU$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,K45)","v":"Annual"},{"$f":"'NSR Calculator'!$AZ$52","v":0},null,1,{"$f":"INDEX($AH$9:$AH$13,O45)","v":"Annual"},0,null,1,{"$f":"INDEX($AH$9:$AH$13,S45)","v":"Annual"},0,null,null,null,null,null,null,null,null,null,null,null,null,"Self-employed",null,null,{"$f":"'Calculator Parameters'!C23","v":1.7500000000000002E-2},null,{"$f":"'Calculator Parameters'!D23","v":2741.22},null,{"$f":"AM45/AK45","v":156641.14285714284},null,{"$f":"(AO45-AI54)*AK55+AM54","v":40167.545714285705},null,{"$f":"AO45-AQ45-AM45","v":113732.37714285713}]
[null,null,null,null,"Tax staus",null,1,{"$f":"INDEX($AH$16:$AH$17,G46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,K46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,O46)","v":"Gross (Pre tax)"},null,null,1,{"$f":"INDEX($AH$16:$AH$17,S46)","v":"Gross (Pre tax)"}]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Tax"]
[null,null,null,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income  Bands",null,null,"Marginal Tax Rate",null,"Maximum Tax",null,"Marginal Gross-up Rate",null,"After Tax Income"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Min","Max"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B30","v":15600.01},{"$f":"'Calculator Parameters'!C30","v":53500},null,{"$f":"'Calculator Parameters'!D30","v":0.17499999999999999},null,{"$f":"AM51+(AI52-AI51)*AK52","v":8270.5},null,{"$f":"1/(1-AK52)","v":1.2121212121212122},null,{"$f":"AI52-AM52","v":45229.5}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B31","v":53500.01},{"$f":"'Calculator Parameters'!C31","v":78100},null,{"$f":"'Calculator Parameters'!D31","v":0.3},null,{"$f":"AM52+(AI53-AI52)*AK53","v":15650.5},null,{"$f":"1/(1-AK53)","v":1.4285714285714286},null,{"$f":"AI53-AM53","v":62449.5}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
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[null,null,null,null,null,null,"Applicant 1",null,null,null,"Applicant 2",null,null,null,"Applicant 3",null,null,null,"Applicant 4",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,"Annual Financial A/c addbacks",null,null,null,null,{"$f":"'NSR Calculator'!AU66","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ66","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G65:S65)","v":0},null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,"Annual Other Assistance Payments",null,null,null,null,{"$f":"'NSR Calculator'!AU68","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ68","v":0},null,null,null,0,null,null,null,0,null,null,null,{"$f":"SUM(G66:S66)","v":0},null,null,null,null,null,null,null,null,null,null,null,"ACC = GI * ACC Rate   OR   ACC = Max ACC Levy"]
[null,"Student Loan Balance",null,null,null,null,{"$f":"'NSR Calculator'!AU72","v":0},null,null,null,{"$f":"'NSR Calculator'!AZ72","v":0},null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"Tax = (GI - Thresh) * Marginal Tax Rate + TaxStep"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","NI = GI - (GI - Thresh) * Marginal Tax Rate - TaxStep - Max ACC Levy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate) = GI - GI * Marginal Tax Rate - GI * ACC Rate",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy) = GI - GI * Marginal Tax Rate "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(NI + TaxStep - Thresh * Marginal Tax Rate)/(1 -Marginal Tax Rate - ACC Rate)  = GI ",null,null,null,null,null,null,null,null,"OR ","(NI + TaxStep - Thresh * Marginal Tax Rate + Max ACC Levy)/(1 -Marginal Tax Rate) = GI"]
[]
[]
[null,"Income (excluding rentals) after tax annual and monthly"]
[null,null,null,null,null,null,"Annual","Annual","Annual",null,"Annual","Annual","Annual",null,"Annual","Annual","Annual",null,"Annual","Annual","Annual"]
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[]
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[null,null,null,null,null,null,{"$f":"MAX(G104:G105)","v":0},{"$f":"MAX(H104:H105)","v":0},{"$f":"MAX(I104:I105)","v":0},{"$f":"K106-AG106-AI106","v":0},{"$f":"MAX(K104:K105)","v":0},{"$f":"MAX(L104:L105)","v":0},{"$f":"MAX(M104:M105)","v":0},{"$f":"O106-AM106-AO106","v":0},{"$f":"MAX(O104:O105)","v":0},{"$f":"MAX(P104:P105)","v":0},{"$f":"MAX(Q104:Q105)","v":0},{"$f":"S106-AS106-AU106","v":0},{"$f":"MAX(S104:S105)","v":0},{"$f":"MAX(T104:T105)","v":0},{"$f":"MAX(U104:U105)","v":0},null,null,{"$f":"MAX(X104:X105)","v":0},{"$f":"MAX(Y104:Y105)","v":0},null,{"$f":"MAX(AA104:AA105)","v":0},null,{"$f":"MAX(AC104:AC105)+AC103","v":0},{"$f":"MAX(AD104:AD105)","v":0},0,null,{"$f":"MAX(AG104:AG105)","v":0},null,{"$f":"MAX(AI104:AI105)+AI103","v":0},{"$f":"MAX(AJ104:AJ105)","v":0},0,null,null,null,{"$f":"MAX(AO104:AO105)+AO103","v":0},{"$f":"MAX(AP104:AP105)","v":0},0,null,null,null,{"$f":"MAX(AU104:AU105)+AU103","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Total -all income sources",null,null,null,{"$f":"G106","v":0},{"$f":"H106","v":0},{"$f":"I106","v":0},null,{"$f":"K106","v":0},{"$f":"L106","v":0},{"$f":"M106","v":0},null,{"$f":"O106","v":0},{"$f":"P106","v":0},{"$f":"Q106","v":0},null,{"$f":"S106","v":0},{"$f":"T106","v":0},{"$f":"U106","v":0},null,null,{"$f":"X106","v":0},{"$f":"Y106","v":0},null,{"$f":"AA106","v":0},null,{"$f":"AC106","v":0},{"$f":"AD106","v":0},{"$f":"AE106","v":0},null,{"$f":"AG106","v":0},null,{"$f":"AI106","v":0},{"$f":"AJ106","v":0},{"$f":"AK106","v":0},null,null,null,{"$f":"AO106","v":0},{"$f":"AP106","v":0},{"$f":"AQ106","v":0},null,null,null,{"$f":"AU106","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AB78+AB81+AB84+AB87+AB90+AB93+AB96+AB99+AB102+AB105","v":0},null,null,null,null,null,{"$f":"AH78+AH81+AH84+AH87+AH90+AH93+AH96+AH99+AH102+AH105","v":0}]
[null,null,"KiwiSaver contibution rate",null,null,null,null,null,{"$f":"AC118","v":0},null,null,null,{"$f":"AI118","v":0},null,null,null,{"$f":"AO118","v":0},null,null,null,{"$f":"AU118","v":0}]
[]
[null,null,"Total Deductions",null,null,null,null,null,{"$f":"I120","v":0},null,null,null,{"$f":"M120","v":0},null,null,null,{"$f":"Q120","v":0},null,null,null,{"$f":"U120","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Annual Inome after tax and deductions",null,null,null,null,null,{"$f":"I118-I122","v":0},null,null,null,{"$f":"M118-M122","v":0},null,null,null,{"$f":"Q118-Q122","v":0},null,null,null,{"$f":"U118-U122","v":0}]
[]
[null,null,"Weighted Annual Income after tax",null,null,null,{"$f":"G79*$AP$9+(G82-G79)*$AP$12+(G85-G82)*$AP$10+(G88-G85)*$AP$16+(G91-G88)*$AP$17+(G94-G91)*$AP$11+(G97-G94)*$AP$18+(G100-G97)*$AP$13+(G103-G100)*$AP$12+(G106-G103)*$AP$19","v":0},null,{"$f":"I79*$AP$9+(I82-I79)*$AP$12+(I85-I82)*$AP$10+(I88-I85)*$AP$16+(I91-I88)*$AP$17+(I94-I91)*$AP$11+(I97-I94)*$AP$18+(I100-I97)*$AP$13+(I103-I100)*$AP$12+(I106-I103)*$AP$19","v":0},null,{"$f":"K79*$AP$9+(K82-K79)*$AP$12+(K85-K82)*$AP$10+(K88-K85)*$AP$16+(K91-K88)*$AP$17+(K94-K91)*$AP$11+(K97-K94)*$AP$18+(K100-K97)*$AP$13+(K103-K100)*$AP$12+(K106-K103)*$AP$19","v":0},null,{"$f":"M79*$AP$9+(M82-M79)*$AP$12+(M85-M82)*$AP$10+(M88-M85)*$AP$16+(M91-M88)*$AP$17+(M94-M91)*$AP$11+(M97-M94)*$AP$18+(M100-M97)*$AP$13+(M103-M100)*$AP$12+(M106-M103)*$AP$19","v":0},null,{"$f":"O79*$AP$9+(O82-O79)*$AP$12+(O85-O82)*$AP$10+(O88-O85)*$AP$16+(O91-O88)*$AP$17+(O94-O91)*$AP$11+(O97-O94)*$AP$18+(O100-O97)*$AP$13+(O103-O100)*$AP$12+(O106-O103)*$AP$19","v":0},null,{"$f":"Q79*$AP$9+(Q82-Q79)*$AP$12+(Q85-Q82)*$AP$10+(Q88-Q85)*$AP$16+(Q91-Q88)*$AP$17+(Q94-Q91)*$AP$11+(Q97-Q94)*$AP$18+(Q100-Q97)*$AP$13+(Q103-Q100)*$AP$12+(Q106-Q103)*$AP$19","v":0},null,{"$f":"S79*$AP$9+(S82-S79)*$AP$12+(S85-S82)*$AP$10+(S88-S85)*$AP$16+(S91-S88)*$AP$17+(S94-S91)*$AP$11+(S97-S94)*$AP$18+(S100-S97)*$AP$13+(S103-S100)*$AP$12+(S106-S103)*$AP$19","v":0},null,{"$f":"U79*$AP$9+(U82-U79)*$AP$12+(U85-U82)*$AP$10+(U88-U85)*$AP$16+(U91-U88)*$AP$17+(U94-U91)*$AP$11+(U97-U94)*$AP$18+(U100-U97)*$AP$13+(U103-U100)*$AP$12+(U106-U103)*$AP$19","v":0}]
[]
[null,null,"Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I131-I122","v":0},null,null,null,{"$f":"M131-M122","v":0},null,null,null,{"$f":"Q131-Q122","v":0},null,null,null,{"$f":"U131-U122","v":0},null,null,"Household Student Loan Payments",null,null,null,{"$f":"AA118+AG118+AM118+AS118","v":0}]
[]
[null,null,"Total All Applicants - Weighted Annual Income after tax and deductions",null,null,null,null,null,{"$f":"I133+M133+Q133+U133","v":0},null,null,null,"Total All Applicants - Gross Annual Income",null,null,null,{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+($J$165*$AP$14)+$J$166","v":0},{"$f":"($G$118+$K$118+$O$118+$S$118)+$W$65+$W$66+$J$165+$J$166","v":0},null,null,null,null,null,"Has Kiwisaver < 3%",null,{"$f":"AB119+AH119+AN119+AT119","v":0}]
[null,null,"Total All Applicants - WeightedMonthly Income after tax and deductions",null,null,null,null,null,{"$f":"I135/12","v":0},null,null,null,"Total Adjusted Gross Income",null,null,null,{"$f":"(G131+K131+O131+S131)-(I122+M122+Q122+U122)+$W$65+$W$66+J167+J168","v":0}]
[null,null,"Rental Housing Income"]
[null,null,"Weighting",null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Conversion Factors"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense  and Repayment Frequency",null,null,"To Annual","To Monthly"]
[null,null,"Property One",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Weekly",null,null,{"$f":"365/7","v":52.142857142857146},{"$f":"365/7/12","v":4.3452380952380958}]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fortnightly",null,null,{"$f":"365/14","v":26.071428571428573},{"$f":"365/14/12","v":2.1726190476190479}]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,null,{"$f":"12","v":12},1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",null,null,4,{"$f":"4/12","v":0.33333333333333331}]
[null,null,"Rent frequency and amount","Rental",null,null,1,{"$f":"INDEX($AH$22:$AH$26,G144)","v":"Weekly"},{"$f":"'NSR Calculator'!AU77","v":0},{"$f":"INDEX($AH$22:$AK$26,G144,4)*I144","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual",null,null,{"$f":"1","v":1},{"$f":"1/12","v":8.3333333333333329E-2}]
[]
[null,null,"Property Two",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G150)","v":"Weekly"},{"$f":"'NSR Calculator'!AZ77","v":0},{"$f":"INDEX($AH$22:$AK$26,G150,4)*I150","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Type",null,"Existing SBS Bank loan types",null,null,"Repayment Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Car",null,"Total Residential",null,null,"Table (P and I)"]
[null,null,"Property Three",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Personal",null,"Total Residential Investment",null,null,"Interest Only"]
[null,null,"Location",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hire Purchase",null,"Total Flexi"]
[null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",null,"Total Commercial"]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G156)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G156,4)*I156","v":0}]
[]
[null,null,"Property Four"]
[null,null,"Location",null,null,null,"Address",0]
[null,null,null,null,null,null,null,0]
[]
[null,null,"Rent frequency and amount",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G162)","v":"Weekly"},0,{"$f":"INDEX($AH$22:$AK$26,G162,4)*I162","v":0}]
[]
[]
[null,null,"Annual Rental Income",null,null,null,null,null,null,{"$f":"J162+J156+J150+J144","v":0}]
[null,null,"Boarder Income",null,null,null,1,{"$f":"INDEX($AH$22:$AH$26,G166)","v":"Weekly"},{"$f":"'NSR Calculator'!AU82","v":0},{"$f":"INDEX($AH$22:$AK$26,G166,4)*I166","v":0}]
[null,null,"Weighted Annual Rental Income",null,null,null,null,null,null,{"$f":"J165*$AP$14","v":0}]
[null,null,"Weighted Annual Boarder Income",null,null,null,null,null,null,{"$f":"J166*$AP$15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Loan Term"]
[null,null,"Weighted Monthly Rental Income",null,null,null,null,null,null,{"$f":"(J167+J168)/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Age",null,null,85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximum Term",null,null,30]
[]
[null,null,null,null,null,null,null,null,null,"Annual",null,"Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Debt Servicing Assumptions"]
[null,null,"Income available for debt servicing incluidng rentals",null,null,null,null,null,null,{"$f":"I135+J167","v":0},null,{"$f":"I136+J169","v":0},null,{"$f":"IF(ABS(J173-L173*12)<=0.01,\"OK\", \"Please Check\")","v":"OK"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSR",null,null,{"$f":"IF(OR(H9=6,H14=TRUE),'Calculator Parameters'!C43,'Calculator Parameters'!C42)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,null,{"$f":"IF(D15,'Calculator Parameters'!C46,'Calculator Parameters'!C45)","v":6}]
[null,null,null,null,null,null,"Applicants 1 and 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B49","v":0},null,null,{"$f":"'Calculator Parameters'!C49","v":0},{"$f":"AK175*100","v":0}]
[null,null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B48","v":0},null,null,{"$f":"'Calculator Parameters'!C48","v":0}]
[null,null,null,null,null,null,null,null,"Input","Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B52","v":"SBS Interest rate buffer"},null,null,{"$f":"'Calculator Parameters'!C52","v":2.5000000000000001E-2},{"$f":"AK177*100","v":2.5}]
[null,null,"Living Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G178)","v":"Monthly"},{"$f":"'NSR Calculator'!AU88","v":0},{"$f":"INDEX($AH$140:$AL$144,G178,5)*I178","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LVR",null,null,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Calculator Parameters'!B51","v":"SBS Foundation interest rate"},null,null,{"$f":"'Calculator Parameters'!C51","v":0.04}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Initial: NSR=(MC - Rentals +MLA)/MNI, therefore NSR*0.9 +Rentals-MLA = Maximnum MC"]
[null,null,"Other Expenses - Monthly",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G181)","v":"Monthly"},{"$f":"'NSR Calculator'!AZ88","v":0},{"$f":"INDEX($AH$140:$AL$144,G181,5)*I181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Suggested: "]
[]
[]
[null,null,"Household",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G184)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G184,5)*I184","v":0}]
[null,null," e.g. Food, clothing, travel, health, entertainment"]
[]
[null,null,"Council Rates",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G187)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G187,5)*I187","v":0}]
[]
[]
[null,null,"Home and Contents Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G190)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G190,5)*I190","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report Requirement"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security located within 50 Km of SBS Bank Branch"]
[null,null,"Health and Life Insurance",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G193)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G193,5)*I193","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null," Please include Trauma Cover, Income Protection etc.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,null,"Education",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G196)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G196,5)*I196","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security in town with population > 7,000 people"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes/No Answer"]
[null,null,"Child Support",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G199)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G199,5)*I199","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[null,null," Please include any other Child Care payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A Registered Valuer's Report is required for this property"]
[null,1]
[null,null,"Other 1",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G202)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G202,5)*I202","v":0}]
[]
[null,1]
[null,null,"Other 2",null,null,null,3,{"$f":"INDEX($AH$140:$AH$144,G205)","v":"Monthly"},0,{"$f":"INDEX($AH$140:$AL$144,G205,5)*I205","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valuation Type"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Government valuation"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sale & Purchase Agreement"]
[null,null," Total Living Expenses",null,null,null,null,null,null,{"$f":"J178+J181","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registered Valuers Report",null,null,null," "]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Security types, valuation method and maximum LVR- Temporary Input Only"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Where SBS Bank is represented (defined as borrower and/or security being located within 50km of the nearest branch and in a town/centre of at least 7000 people)",null,null,"Where SBS Bank is not represented (defined as borrower and/or security being located more than 50km from the nearest branch and in a town/centre of at least 7000 people"]
[null,null," SBS Bank Loans with fixed repayments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,null,null,null,null,null,null,null,"GV","S&P","RVR","RVR"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept",null,null,null,"Residential property (freehold)   Own use/holiday",null,null,null,null,null,"Residential property (freehold)   Own use/holiday",null,null,0.85,0.85,0.85,0.8]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,null,"Residential property (freehold)   Investment (rental)",null,null,null,null,null,"Residential property (freehold)   Investment (rental)",null,null,0.85,0.85,0.85,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,null,null,null,"Residential property (leasehold)  Own use/holiday",null,null,0.7,0.7,0.7,0.7]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,null,null,null,"Residential property (leasehold)  Investment (rental)",null,null,0.7,0.7,0.7,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B216)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G216>0,H216>0),IF('NSR Calculator'!G98>0,'NSR Calculator'!G98,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J216,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L216)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,I216*K216,G216,),\"\")","v":""},{"$f":"IF(AND(G216>0,H216>0,I216>0),-PMT(($AK$179+$AK$177)/K216,$K$284/12*K216,G216,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(G216>0,H216>0,I216>0),(G216*($AK$179+$AK$177))/12,\"\")","v":""},{"$f":"IF(AND(M216>0,N216>0,O216>0),-PMT(($AK$179+$AK$177)/(Q216*100),$K$284/12*Q216,M216,),\"\")","v":""},null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Serviced",null,null,0.8,0.8,0.8,0.8]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J216,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N216),N216*K217,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U216),U216*K217,)","v":0},{"$f":"IF(ISNUMBER(V216),V216*K217,)","v":0},null,{"$f":"MAX(N217,U217,V217)","v":0},null,null,{"$f":"IF(ISNUMBER(AA216),AA216*Q217,)","v":0},{"$f":"IF(ISNUMBER(AB216),AB216*Q217,)","v":0},null,{"$f":"MAX(T217,AA217,AB217)","v":0},null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,null,null,null,"Vacant residential land (< 10 hectares)  Not serviced",null,null,0.5,0.5,0.5,0.5]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,null,null,null,"Lifestyle / semi-rural (< 15 hectares)  Serviced only",null,null,0.8,0.8,0.8,0.7]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B219)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G219>0,H219>0),IF('NSR Calculator'!G100>0,'NSR Calculator'!G100,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J219,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L219)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,I219*K219,G219,),\"\")","v":""},{"$f":"IF(AND(G219>0,H219>0,I219>0),-PMT(($AK$179+$AK$177)/K219,$K$284/12*K219,G219,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),O219*Q219,M219,),\"\")","v":""},{"$f":"IF(AND(M219>0,N219>0,O219>0),-PMT(($AK$179+$AK$177)/(Q219*100),$K$284/12*Q219,M219,),\"\")","v":""},null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,null,null,null,"Apartments (size > 50 sqm)  Serviced",null,null,0.5,0.5,0.6,0.6]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J219,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N219),N219*K220,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U219),U219*K220,)","v":0},{"$f":"IF(ISNUMBER(V219),V219*K220,)","v":0},null,{"$f":"MAX(N220,U220,V220)","v":0},null,null,{"$f":"IF(ISNUMBER(AA219),AA219*Q220,)","v":0},{"$f":"IF(ISNUMBER(AB219),AB219*Q220,)","v":0},null,{"$f":"MAX(T220,AA220,AB220)","v":0},null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,null,null,null,"Apartments (size > 50 sqm)  Not serviced ",null,null,0.8,0.8,0.8,0.7]
[]
[null,1,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N217+N220","v":0},null,null,null,null,null,null,{"$f":"U217+U220","v":0},{"$f":"V217+V220","v":0},null,{"$f":"X217+X220","v":0},null,null,{"$f":"AA217+AA220","v":0},{"$f":"AB217+AB220","v":0},null,{"$f":"AD217+AD220","v":0}]
[]
[null,1]
[null,1]
[null,null,"Existing Other Bank mortgage debt"]
[null,1,"Type",null,null,null,"Balance ","Rate ","Term","Repayment","No of Payments",null,"Rept Type","Repayment",null,null,null,null,null,null,"Rept P&I","Rept P&I Max Term",null,"Maximum Rept",null,null,"Rept IO","Rept IO Max Term",null,"Maximum Rept"]
[null,1,null,null,null,null,null,null,null,"Frequency","Per Year/Month",null,null,"(Actual)",null,null,null,null,null,null,"(Calculated)","(Calculated)",null,"Monthly",null,null,"(Calculated)","(Calculated)",null,"Monthly"]
[null,1,null,null,null,null,null,null,null,null,null,null,null,"As reported by customer",null,null,null,null,null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"},null,null,{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},{"$f":"$AL$177&\"% Int Buffer\"","v":"2.5% Int Buffer"},null,{"$f":"\"With \"&$AL$177&\"% Int Buffer\"","v":"With 2.5% Int Buffer"}]
[null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming",null,null,"Cust Term","Max Term",null,"Set for each loan to avoid gaming"]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B231)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G231>0,H231>0),IF('NSR Calculator'!G107>0,'NSR Calculator'!G107,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J231,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L231)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G231>0,H231>0,I231>0),-PMT(($AK$179+$AK$177)/K231,I231*K231,G231,),\"\")","v":""},{"$f":"IF(AND(G231>0,H231>0,I231>0),-PMT(($AK$179+$AK$177)/K231,$K$284/12*K231,G231,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M231>0,N231>0,O231>0),-PMT(($AK$179+$AK$177)/(Q231*100),O231*Q231,M231,),\"\")","v":""},{"$f":"IF(AND(M231>0,N231>0,O231>0),-PMT(($AK$179+$AK$177)/(Q231*100),$K$284/12*Q231,M231,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J231,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N231),N231*K232,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U231),U231*K232,)","v":0},{"$f":"IF(ISNUMBER(V231),V231*K232,)","v":0},null,{"$f":"MAX(N232,U232,V232)","v":0},null,null,{"$f":"IF(ISNUMBER(AA231),AA231*Q232,)","v":0},{"$f":"IF(ISNUMBER(AB231),AB231*Q232,)","v":0},null,{"$f":"MAX(T232,AA232,AB232)","v":0}]
[null,1]
[null,1,{"$f":"INDEX($AJ$151:$AJ$155,B234)","v":"Total Residential"},null,null,null,0,0,{"$f":"IF(AND(G234>0,H234>0),IF('NSR Calculator'!G109>0,'NSR Calculator'!G109,Calculation!$K$288/12))","v":false},3,{"$f":"INDEX($AH$140:$AL$144,J234,4)","v":12},1,{"$f":"INDEX($AH$157:$AH$159,L234)","v":0},0,null,null,null,null,null,null,{"$f":"IF(AND(G234>0,H234>0,I234>0),-PMT(($AK$179+$AK$177)/K234,I234*K234,G234,),\"\")","v":""},{"$f":"IF(AND(G234>0,H234>0,I234>0),-PMT(($AK$179+$AK$177)/K234,$K$284/12*K234,G234,),\"\")","v":""},null,null,null,null,{"$f":"IF(AND(M234>0,N234>0,O234>0),-PMT(($AK$179+$AK$177)/(Q234*100),O234*Q234,M234,),\"\")","v":""},{"$f":"IF(AND(M234>0,N234>0,O234>0),-PMT(($AK$179+$AK$177)/(Q234*100),$K$284/12*Q234,M234,),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX($AH$140:$AL$144,J234,5)","v":1},null,null,{"$f":"IF(ISNUMBER(N234),N234*K235,)","v":0},null,null,null,null,null,null,{"$f":"IF(ISNUMBER(U234),U234*K235,)","v":0},{"$f":"IF(ISNUMBER(V234),V234*K235,)","v":0},null,{"$f":"MAX(N235,U235,V235)","v":0},null,null,{"$f":"IF(ISNUMBER(AA234),AA234*Q235,)","v":0},{"$f":"IF(ISNUMBER(AB234),AB234*Q235,)","v":0},null,{"$f":"MAX(T235,AA235,AB235)","v":0}]
[null,1]
[null,1,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"N232+N235","v":0},null,null,null,null,null,null,{"$f":"U232+U235","v":0},{"$f":"V232+V235","v":0},null,{"$f":"X232+X235","v":0},null,null,{"$f":"AA232+AA235","v":0},{"$f":"AB232+AB235","v":0},null,{"$f":"AD232+AD235","v":0}]
[null,1]
[null,1]
[null,1]
[]
[null,1]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Proposed Loan"]
[]
[null,null,"Loan Amount",null,0,null,"Loan Term",null,null,0,"Scenario rate"]
[null,null,null,null,"+ Buffer","Monthly",null,null,null,{"$f":"MIN($AK$169-G5,$AK$169-K5,$AK$169-O5,$AK$169-S5)","v":85},"Household min by age"]
[null,null,"Rate",{"$f":"IF(J282>0,J282,$AK$179)","v":0.04},{"$f":"D284+$AK$177","v":6.5000000000000002E-2},{"$f":"E284/12","v":5.4166666666666669E-3},"Proposed maximum loan term",null,null,null,{"$f":"Calculation!K284","v":360}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K286>11,K286<24),\"1 year \",IF(K286>23,INT(K286/12)&\" years \",))&IF(MOD(K286,12)=1,\" 1 month\",IF(MOD(K286,12)>1,MOD(K286,12)&\" months\",))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(K288>11,K288<24),\"1 year \",IF(K288>23,INT(K288/12)&\" years \",))&IF(MOD(K288,12)=1,\" 1 month\",IF(MOD(K288,12)>1,MOD(K288,12)&\" months\",))","v":""}]
[]
[]
[null,null,"Monthly Income available for debt servicing - calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SBS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Item",null,null,null,null,"HH1","HH2","HH3","HH4"]
[null,null,"Monthly Net Income ",null,null,null,null,null,{"$f":"(I135+SUM(F335:L335))/12","v":0},null,null,null,null,null,null,null,null,null,null,null,"MLA - Monthly Living Allowance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Table MLA",null,null,null,{"$f":"MLA!D7","v":0},{"$f":"MLA!E7","v":0},{"$f":"MLA!F7","v":0},{"$f":"MLA!G7","v":0}]
[null,null,"MLA",null,null,null,{"$f":"MLA!E7","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Living",null,null,null,{"$f":"J208","v":0},"-   ","-   ","-   "]
[null,null,"Monthly Living expenses Application",null,null,null,{"$f":"J208","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max",null,null,null,{"$f":"MAX(Z294:Z295)","v":0},0,0,0]
[null,null,"Monthly Living expenses - (Max of MLA and application)",null,null,null,null,null,{"$f":"MAX(G295:G296)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"MLA",null,null,null,{"$f":"SUM(Z296:AC296)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MC - Monthly Debt Commitments",null,null,null,null,null,"IO"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"SBS Bank Loan - Fixed Repayments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"SBS Bank Loan - Fixed Repayments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Current Commitments",null,null,null,{"$f":"R303+R309+I315+I317","v":0},{"$f":"R303+R309+I315+I317","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N222","v":0},null,null,null,null,"New Commitments",null,null,null,{"$f":"Calculation!Z300","v":0},{"$f":"Calculation!AA300","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U222","v":0},null,null,null,null,"MC",null,null,null,{"$f":"SUM(Z299:Z300)","v":0},{"$f":"SUM(AA299:AA300)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V222","v":0},null,null,null,"Total Monthly Commitments",null,null,null,null,{"$f":"Z297+Z301","v":0},{"$f":"AA301+Z297","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X222","v":0},{"$f":"R303-I303","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MNI - Monthly Net Income"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Other Bank P & I payments - Monthly - \"&$AL$177&\"% Interest Buffer\"","v":"Other Bank P & I payments - Monthly - 2.5% Interest Buffer"},null,null,null,null,null,null,null,null,null,null,"Monthly Income",null,null,null,{"$f":"(I135/12)+N335","v":0},{"$f":"(I135/12)+N335","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Actual",null,null,null,null,null,{"$f":"N237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"U237","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Calculated P&I at Max Term with \"&$AL$177&\"% Interest Buffer\"","v":"Calculated P&I at Max Term with 2.5% Interest Buffer"},null,null,null,null,null,{"$f":"V237","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Maximum of SBS Bank Loan Repayment (Input and Calculated Values)",null,null,null,null,null,null,{"$f":"X237","v":0},{"$f":"R309-I309","v":0}]
[]
[null,null,"Other Loan - Fixed Repayments - Monthly"]
[null,null,"Actual",null,null,null,{"$f":"N252","v":0}]
[null,null,"Calculated P&I",null,null,null,{"$f":"O252","v":0}]
[null,null,"Calculated P&I Max Term",null,null,null,{"$f":"P252","v":0},null,null,null,"Previously used"]
[null,null,"Actual P&I",null,null,null,null,null,{"$f":"G312","v":0},null,"Maximum of Other Loan Repayment (Input and Calculated Values)",null,null,null,null,null,{"$f":"R252","v":0}]
[]
[null,null,"Monthly Credit Card Limit",null,null,null,null,null,{"$f":"I277","v":0}]
[]
[null,"Deduct","Rental Income",null,null,null,null,null,{"$f":"J169","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Monthly Business Income"]
[null,null,"Business income",null,null,{"$f":"('NSR Calculator'!AU66+'NSR Calculator'!AU68)*$AP$12","v":0},null,{"$f":"('NSR Calculator'!AZ66+'NSR Calculator'!AZ68)*$AP$12","v":0},null,0,null,0,null,{"$f":"SUM(F335,H335,J335,L335)/12","v":0}]

{"sheet":"Version","index":6,"n_rows":201,"n_cols":9,"rows_kept":201,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Version Control"]
[]
[null,null,"Version",null,"Date","Delta","By","Scope","Description"]
[]
[null,null,1,null,"2013",null,"SBS","Whole Spreadsheet"]
[null,null,2,null,"2014",null,"Deloitte","Whole Spreadsheet","NSR Calculator is on one sheet."]
[null,null,2,null,"2014-06-30","D7139","S Greig","NSR Calculator!B109","Removed the text \"Maximum Allowable Loan Term\" as it was hidden by low row height."]
[]
[null,null,17,"a","2025-11-27","D15321","SGreig","NSR Calculator!L4","Changed version to \"Unlocked Version 17.0\"and leave the focus on cell C9."]
[null,null,{"$f":"C10","v":17},"a","2025-11-27","D15321","SGreig","Reset","Click on the Reset button and save. This will clear fields and untick the More households."]
[null,null,{"$f":"C11","v":17},"b","2025-11-27","D15321","SGreig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C12","v":17},"b","2025-11-27","D15321","SGreig","NSR Calculator!L4","Changed version to \"Version 17.0\" and leave the focus on cell C9."]
[null,null,{"$f":"C13","v":17},"b","2025-11-27","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C14","v":17},"b","2025-11-27","D15321","SGreig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C15","v":17},"b","2025-11-27","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C16","v":17},"b","2025-11-27","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C17","v":17},"c","2025-11-27","D15321","SGreig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C18","v":17},"c","2025-11-27","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C19","v":17},"c","2025-11-27","D15321","SGreig","NSR Calculator!L4","Changed version to \"Adviser Version 17.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C20","v":17},"c","2025-11-27","D15321","SGreig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C21","v":17},"c","2025-11-27","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C22","v":17},"c","2025-11-27","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C23","v":17},"d","2025-11-27","D15321","SGreig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C24","v":17},"d","2025-11-27","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C25","v":17},"d","2025-11-27","D15321","SGreig","NSR Calculator!L4","Changed version to \"DTI Version 17.0\"and leave the focus on cell C9. "]
[null,null,{"$f":"C26","v":17},"d","2025-11-27","D15321","SGreig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C27","v":17},"d","2025-11-27","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C28","v":17},"d","2025-11-27","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C29","v":17},"e","2025-11-27","D15321","SGreig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C30","v":17},"e","2025-11-27","D15321","SGreig","Households","Tick the More households so the unlocked will show the whole spreadsheet."]
[null,null,{"$f":"C31","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!AH20:AK23","Copied AF20:AG23 twice to record the figures."]
[null,null,{"$f":"C32","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!AH21","Changed from \"2025/26\" to \"2026/27\"."]
[null,null,{"$f":"C33","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!AJ21","Changed from \"2025/26\" to \"2027/28\"."]
[null,null,{"$f":"C34","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!AH22","Changed from \"0.0167\" to \"0.0175\"."]
[null,null,{"$f":"C35","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!AJ22","Changed from \"0.0167\" to \"0.0183\"."]
[null,null,{"$f":"C36","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!AI22","Changed from \"2551.59\" to \"2741.22\"."]
[null,null,{"$f":"C37","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!AK22","Changed from \"2551.59\" to \"2932.47\"."]
[null,null,{"$f":"C38","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!C22","Changed from \"0.0167\" to \"0.0175\"."]
[null,null,{"$f":"C39","v":17},"f","2026-01-14","D15321","SGreig","Calculator Parameters!D22","Changed from \"2551.59\" to \"2741.22\"."]
[null,null,17.100000000000001,"a",{"$f":"E40","v":"2026-01-14"},"D15321","SGreig","NSR Calculator!L4","Changed version to \"Unlocked Version 17.1\"and leave the focus on cell C9."]
[null,null,{"$f":"C41","v":17.100000000000001},"a","2026-01-14","D15321","SGreig","Reset","Click on the Reset button and save. This will clear fields and untick the More households."]
[null,null,{"$f":"C42","v":17.100000000000001},"b","2026-01-14","D15321","SGreig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C43","v":17.100000000000001},"b","2026-01-14","D15321","SGreig","NSR Calculator!L4","Changed version to \"Version 17.1\" and leave the focus on cell C9."]
[null,null,{"$f":"C44","v":17.100000000000001},"b","2026-01-14","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C45","v":17.100000000000001},"b","2026-01-14","D15321","SGreig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C46","v":17.100000000000001},"b","2026-01-14","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C47","v":17.100000000000001},"b","2026-01-14","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C48","v":17.100000000000001},"c","2026-01-14","D15321","SGreig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C49","v":17.100000000000001},"c","2026-01-14","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C50","v":17.100000000000001},"c","2026-01-14","D15321","SGreig","NSR Calculator!L4","Changed version to \"Adviser Version 17.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C51","v":17.100000000000001},"c","2026-01-14","D15321","SGreig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C52","v":17.100000000000001},"c","2026-01-14","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C53","v":17.100000000000001},"c","2026-01-14","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C54","v":17.100000000000001},"d","2026-01-14","D15321","SGreig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C55","v":17.100000000000001},"d","2026-01-14","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C56","v":17.100000000000001},"d","2026-01-14","D15321","SGreig","NSR Calculator!L4","Changed version to \"DTI Version 17.1\"and leave the focus on cell C9. "]
[null,null,{"$f":"C57","v":17.100000000000001},"d","2026-01-14","D15321","SGreig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C58","v":17.100000000000001},"d","2026-01-14","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C59","v":17.100000000000001},"d","2026-01-14","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C60","v":17.100000000000001},"e","2026-01-14","D15321","SGreig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C61","v":17.100000000000001},"e","2026-01-14","D15321","SGreig","Households","Tick the More households so the unlocked will show the whole spreadsheet."]
[null,null,{"$f":"C62","v":17.100000000000001},"e","2026-01-21","D15321","SGreig","NSR Calculator!L8","Changed from \"Proposed new lending\" to \"Proposed new lending (including refinanced lending)\"."]
[null,null,{"$f":"C63","v":17.100000000000001},"e","2026-01-21","D15321","SGreig","NSR Calculator!B104","Changed from \"Existing Other Bank mortgage debt\" to \"Existing Other Bank mortgage debt (excluding refinanced lending)\"."]
[null,null,{"$f":"C64","v":17.100000000000001},"e","2026-01-21","D15321","SGreig","NSR Calculator!A92","Changed from \"Existing Debt\" to \"Existing Debt (excluding refinanced lending)\"."]
[null,null,17.2,"a","2026-01-22",{"$f":"F65","v":"D15321"},"SGreig","NSR Calculator!L4","Changed version to \"Unlocked Version 17.2\"and leave the focus on cell C9."]
[null,null,{"$f":"C66","v":17.2},"a","2026-01-22","D15321","SGreig","Reset","Click on the Reset button and save. This will clear fields and untick the More households."]
[null,null,{"$f":"C67","v":17.2},"b","2026-01-22","D15321","SGreig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C68","v":17.2},"b","2026-01-22","D15321","SGreig","NSR Calculator!L4","Changed version to \"Version 17.2\" and leave the focus on cell C9."]
[null,null,{"$f":"C69","v":17.2},"b","2026-01-22","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C70","v":17.2},"b","2026-01-22","D15321","SGreig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C71","v":17.2},"b","2026-01-22","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C72","v":17.2},"b","2026-01-22","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C73","v":17.2},"c","2026-01-22","D15321","SGreig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C74","v":17.2},"c","2026-01-22","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C75","v":17.2},"c","2026-01-22","D15321","SGreig","NSR Calculator!L4","Changed version to \"Adviser Version 17.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C76","v":17.2},"c","2026-01-22","D15321","SGreig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C77","v":17.2},"c","2026-01-22","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C78","v":17.2},"c","2026-01-22","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C79","v":17.2},"d","2026-01-22","D15321","SGreig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C80","v":17.2},"d","2026-01-22","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C81","v":17.2},"d","2026-01-22","D15321","SGreig","NSR Calculator!L4","Changed version to \"DTI Version 17.2\"and leave the focus on cell C9. "]
[null,null,{"$f":"C82","v":17.2},"d","2026-01-22","D15321","SGreig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C83","v":17.2},"d","2026-01-22","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C84","v":17.2},"d","2026-01-22","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C85","v":17.2},"e","2026-01-22","D15321","SGreig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C86","v":17.2},"e","2026-01-22","D15321","SGreig","Households","Tick the More households so the unlocked will show the whole spreadsheet."]
[null,null,{"$f":"C87","v":17.2},"f","1900-01-26","D15321","SGreig","Version!","Deleted Version history from Version 2.0 up to Version 17.0. 3833 lines of comments, Files size 808 -> 536 is a 33% reduction."]
[null,null,17.3,"a",{"$f":"E88","v":"1900-01-26"},"D15321","SGreig","NSR Calculator!L4","Changed version to \"Unlocked Version 17.3\"and leave the focus on cell C9."]
[null,null,{"$f":"C89","v":17.3},"a","1900-01-26","D15321","SGreig","Reset","Click on the Reset button and save. This will clear fields and untick the More households."]
[null,null,{"$f":"C90","v":17.3},"b","1900-01-26","D15321","SGreig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C91","v":17.3},"b","1900-01-26","D15321","SGreig","NSR Calculator!L4","Changed version to \"Version 17.3\" and leave the focus on cell C9."]
[null,null,{"$f":"C92","v":17.3},"b","1900-01-26","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C93","v":17.3},"b","1900-01-26","D15321","SGreig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C94","v":17.3},"b","1900-01-26","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C95","v":17.3},"b","1900-01-26","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C96","v":17.3},"c","1900-01-26","D15321","SGreig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C97","v":17.3},"c","1900-01-26","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C98","v":17.3},"c","1900-01-26","D15321","SGreig","NSR Calculator!L4","Changed version to \"Adviser Version 17.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C99","v":17.3},"c","1900-01-26","D15321","SGreig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C100","v":17.3},"c","1900-01-26","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C101","v":17.3},"c","1900-01-26","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C102","v":17.3},"d","1900-01-26","D15321","SGreig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C103","v":17.3},"d","1900-01-26","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C104","v":17.3},"d","1900-01-26","D15321","SGreig","NSR Calculator!L4","Changed version to \"DTI Version 17.3\"and leave the focus on cell C9. "]
[null,null,{"$f":"C105","v":17.3},"d","1900-01-26","D15321","SGreig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C106","v":17.3},"d","1900-01-26","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C107","v":17.3},"d","1900-01-26","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C108","v":17.3},"e","1900-01-26","D15321","SGreig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C109","v":17.3},"e","1900-01-26","D15321","SGreig","Households","Tick the More households so the unlocked will show the whole spreadsheet."]
[null,null,{"$f":"C110","v":17.3},"e","2026-02-18","D15321","SGreig","NSR Calculator!F27","Changed the Kiwisaver percentage format from 0 decimal palces to 1."]
[null,null,{"$f":"C111","v":17.3},"e","2026-02-18","D15321","SGreig","NSR Calculator!F","Change the Kiwisave column width from 3.29mm to 4.00mm."]
[null,null,{"$f":"C112","v":17.3},"e","2026-02-18","D15321","SGreig","Calculation!AB77","Changed the Kiwisaver percentage format from 0 decimal palces to 1."]
[null,null,{"$f":"C113","v":17.3},"e","2026-02-18","D15321","SGreig","NSR Calculator!F27:BB50","Changed the Kiwisaver percentage format from 0 decimal palces to 1."]
[null,null,{"$f":"C114","v":17.3},"f","2026-02-18","D15321","SGreig","NSR Calculator!F:B","Change the Kiwisave column width from 3.29mm to 4.00mm."]
[null,null,{"$f":"C115","v":17.3},"f","2026-02-18","D15321","SGreig","Calculation!AB77:AT104","Changed the Kiwisaver percentage format from 0 decimal palces to 1."]
[null,null,{"$f":"C116","v":17.3},"g","2026-02-18","D15321","SGreig","Calc2-4!AB77:AT104","Changed the Kiwisaver percentage format from 0 decimal palces to 1."]
[null,null,{"$f":"C117","v":17.3},"g","2026-02-18","D15321","SGreig","NSR Calculator!F:B","Change the Kiwisave column width from 4.00mm to 4.71mm to handle 10.5%."]
[null,null,{"$f":"C118","v":17.3},"h","2026-02-18","D15321","SGreig","NSR Calculator!H16","Removed spaces from the end of the text so the text was closed to the box."]
[null,null,{"$f":"C119","v":17.3},"h","2026-02-18","D15321","SGreig","NSR Calculator!N16:P16","Moved the text to a cell closed to the box."]
[null,null,17.399999999999999,"a","2026-02-18","D15321","SGreig","NSR Calculator!L4","Changed version to \"Unlocked Version 17.4\"and leave the focus on cell C9."]
[null,null,{"$f":"C121","v":17.399999999999999},"a","2026-02-18","D15321","SGreig","Reset","Click on the Reset button and save. This will clear fields and untick the More households."]
[null,null,{"$f":"C122","v":17.399999999999999},"b","2026-02-18","D15321","SGreig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C123","v":17.399999999999999},"b","2026-02-18","D15321","SGreig","NSR Calculator!L4","Changed version to \"Version 17.4\" and leave the focus on cell C9."]
[null,null,{"$f":"C124","v":17.399999999999999},"b","2026-02-18","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C125","v":17.399999999999999},"b","2026-02-18","D15321","SGreig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C126","v":17.399999999999999},"b","2026-02-18","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C127","v":17.399999999999999},"b","2026-02-18","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C128","v":17.399999999999999},"c","2026-02-18","D15321","SGreig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C129","v":17.399999999999999},"c","2026-02-18","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C130","v":17.399999999999999},"c","2026-02-18","D15321","SGreig","NSR Calculator!L4","Changed version to \"Adviser Version 17.4\"and leave the focus on cell C9. "]
[null,null,{"$f":"C131","v":17.399999999999999},"c","2026-02-18","D15321","SGreig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C132","v":17.399999999999999},"c","2026-02-18","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C133","v":17.399999999999999},"c","2026-02-18","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C134","v":17.399999999999999},"d","2026-02-18","D15321","SGreig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C135","v":17.399999999999999},"d","2026-02-18","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C136","v":17.399999999999999},"d","2026-02-18","D15321","SGreig","NSR Calculator!L4","Changed version to \"DTI Version 17.4\"and leave the focus on cell C9. "]
[null,null,{"$f":"C137","v":17.399999999999999},"d","2026-02-18","D15321","SGreig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C138","v":17.399999999999999},"d","2026-02-18","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C139","v":17.399999999999999},"d","2026-02-18","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C140","v":17.399999999999999},"e","2026-02-18","D15321","SGreig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C141","v":17.399999999999999},"e","2026-02-18","D15321","SGreig","Households","Tick the More households so the unlocked will show the whole spreadsheet."]
[null,null,{"$f":"C142","v":17.399999999999999},"e","2026-03-03","D15321","SGreig","NSR Calculator!F","Change the Kiwisave column width to 5.00mm."]
[null,null,17.5,"a",{"$f":"E143","v":"2026-03-03"},"D15321","SGreig","NSR Calculator!L4","Changed version to \"Unlocked Version 17.5\"and leave the focus on cell C9."]
[null,null,{"$f":"C144","v":17.5},"a","2026-03-03","D15321","SGreig","Reset","Click on the Reset button and save. This will clear fields and untick the More households."]
[null,null,{"$f":"C145","v":17.5},"b","2026-03-03","D15321","SGreig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C146","v":17.5},"b","2026-03-03","D15321","SGreig","NSR Calculator!L4","Changed version to \"Version 17.5\" and leave the focus on cell C9."]
[null,null,{"$f":"C147","v":17.5},"b","2026-03-03","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C148","v":17.5},"b","2026-03-03","D15321","SGreig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C149","v":17.5},"b","2026-03-03","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C150","v":17.5},"b","2026-03-03","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C151","v":17.5},"c","2026-03-03","D15321","SGreig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C152","v":17.5},"c","2026-03-03","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C153","v":17.5},"c","2026-03-03","D15321","SGreig","NSR Calculator!L4","Changed version to \"Adviser Version 17.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C154","v":17.5},"c","2026-03-03","D15321","SGreig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C155","v":17.5},"c","2026-03-03","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C156","v":17.5},"c","2026-03-03","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C157","v":17.5},"d","2026-03-03","D15321","SGreig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C158","v":17.5},"d","2026-03-03","D15321","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C159","v":17.5},"d","2026-03-03","D15321","SGreig","NSR Calculator!L4","Changed version to \"DTI Version 17.5\"and leave the focus on cell C9. "]
[null,null,{"$f":"C160","v":17.5},"d","2026-03-03","D15321","SGreig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C161","v":17.5},"d","2026-03-03","D15321","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C162","v":17.5},"d","2026-03-03","D15321","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C163","v":17.5},"e","2026-03-03","D15321","SGreig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C164","v":17.5},"e","2026-03-03","D15321","SGreig","Households","Tick the More households so the unlocked will show the whole spreadsheet."]
[null,null,{"$f":"C165","v":17.5},"f","2026-03-25","D15798","SGreig","MLA!","Update HEMS for 01/05/2026."]
[null,null,{"$f":"C166","v":17.5},"g","2026-03-25","D15798","SGreig"]
[null,null,17.600000000000001,"a",{"$f":"E167","v":"2026-03-25"},"D15798","SGreig","NSR Calculator!L4","Changed version to \"Unlocked Version 17.6\"and leave the focus on cell C9."]
[null,null,{"$f":"C168","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Reset","Click on the Reset button and save. This will clear fields and untick the More households."]
[null,null,{"$f":"C169","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","To create a Locked Version","Copy previous version and remove \"_Unlocked\" from name."]
[null,null,{"$f":"C170","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","NSR Calculator!L4","Changed version to \"Version 17.6\" and leave the focus on cell C9."]
[null,null,{"$f":"C171","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C172","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Module1","Changed LockedVersion to True. "]
[null,null,{"$f":"C173","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C174","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C175","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","To create a Advisor Version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"Adviser\" in the name."]
[null,null,{"$f":"C176","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C177","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","NSR Calculator!L4","Changed version to \"Adviser Version 17.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C178","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Module1","Changed LockedVersion and AdviserVersion to True. "]
[null,null,{"$f":"C179","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C180","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C181","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","To create the DTI version","Copy previously unlocked \"a\" version and change \"Unlocked\" to \"DTI\" in the name."]
[null,null,{"$f":"C182","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Untick More Households","This needs to be manually done as an error occurs if called before the sreadsheet has been displayed."]
[null,null,{"$f":"C183","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","NSR Calculator!L4","Changed version to \"DTI Version 17.6\"and leave the focus on cell C9. "]
[null,null,{"$f":"C184","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Module1","Changed LockedVersion and DTIVersion to True. "]
[null,null,{"$f":"C185","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","VBA Project","Right-click on VBAProject - Properties and tick Lock project for viewing and set passwords (Same as Global Locking)."]
[null,null,{"$f":"C186","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Module1","Run lockup_macro and save."]
[null,null,{"$f":"C187","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","To create the next version","Copy previously unlocked \"a\" version and add a letter to the end."]
[null,null,{"$f":"C188","v":17.600000000000001},"a","2026-03-25","D15798","SGreig","Households","Tick the More households so the unlocked will show the whole spreadsheet."]
[null,null,{"$f":"C189","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C190","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C191","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C192","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C193","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C194","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C195","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C196","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C197","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C198","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C199","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]
[null,null,{"$f":"C200","v":17.600000000000001},"a","2026-03-25","D15798","SGreig"]

{"sheet":"NSR Calculator","index":7,"n_rows":162,"n_cols":54,"rows_kept":162,"cut":false,"hidden":false,"merged":[[8,2,8,7],[21,2,21,3],[21,7,21,8],[21,12,21,13],[12,2,12,7],[22,2,22,3],[22,7,22,8],[22,12,22,13],[72,2,72,3],[72,7,72,8],[72,12,72,13],[150,6,150,7],[151,6,151,7],[72,17,72,18],[73,2,74,3],[73,7,74,8],[73,12,74,13],[73,17,74,18],[83,7,83,11],[126,11,126,12],[136,6,136,7],[96,8,96,12],[105,8,105,12],[126,16,126,17],[119,8,119,11],[124,16,124,17],[21,28,21,29],[22,23,22,24],[22,28,22,29],[89,7,89,12],[124,11,124,12],[21,17,21,18],[22,17,22,18],[73,23,74,24],[73,28,74,29],[21,23,21,24],[86,13,89,19],[92,8,92,12],[21,45,21,46],[21,50,21,51],[22,45,22,46],[22,50,22,51],[73,45,74,46],[73,50,74,51],[21,34,21,35],[21,39,21,40],[22,34,22,35],[22,39,22,40],[73,34,74,35],[73,39,74,40]]}
[]
[]
[]
[null,"This calculator is designed to work out how much your client can borrow on a residential mortgage under the credit policy based on debt servicing capability (excludes LVR limits).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Adviser Version 17.6"]
[null,"Application type"]
[]
[]
[null,"Application information",null,null,null,null,null,null,null,null,null,"Proposed new lending (including refinanced lending)",null,null,null,null,null,null,"Interest Rate"]
[null,"Name Primary Applicant (last, first)",null,null,null,null,null,null,null,null,null,"Loan Amount",null,null,null,null,null,null,{"$f":"Calculation!E284","v":6.5000000000000002E-2}]
[]
[null,"Application Date (DDMMYYYY)",null,null,null,null,null,null,null,null,null,"Requested Loan Term",null,null," years"]
[]
[null,"Applicant Header or Name "]
[null,"if already SBS Bank client"]
[null,"Household information",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Household 2",null,null,null,null,null,null,null,null,null,null,"Household 3",null,null,null,null,null,null,null,null,null,null,"Household 4"]
[null,null,null,null,null,null,null,"Number of adults in household   ",null,null,null,null,null,null,null,"Number of dependants in household",null,null,null,null,null,null,null,"Adults",null,null,null,null,"Dependants",null,null,null,null,null,"Adults",null,null,null,null,"Dependants",null,null,null,null,null,"Adults",null,null,null,null,"Dependants"]
[]
[null,"Other information"]
[null,"No. of Rental Properties"]
[]
[]
["Detailed Gross Income Information",null,"Applicant 1",null,null,null,null,"Applicant 2",null,null,null,null,"Applicant 3",null,null,null,null,"Applicant 4",null,null,null,null,null,"Applicant 1",null,null,null,null,"Applicant 2",null,null,null,null,null,"Applicant 1",null,null,null,null,"Applicant 2",null,null,null,null,null,"Applicant 1",null,null,null,null,"Applicant 2"]
[null,"Name (last, first)"]
[]
[null,"Age (years)",null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,null,"KS",null,null,null,null,"KS",null,null,null,null,null,"KS",null,null,null,null,"KS"]
[]
[null,"Salary/Wages"]
[null,null,null,null,null,null,null,null,50000]
[]
[null,"Self Employed/Business"]
[]
[]
[null,"Overtime"]
[]
[]
[null,"Bonus"]
[]
[]
[null,"Allowance"]
[]
[]
[null,"Commission"]
[]
[]
[null,"Investment"]
[]
[]
[null,"Benefits including Superannuation"]
[]
[null,"Contract"]
[]
[null,"Child Support"]
[null,"Total Gross Income",null,{"$f":"Calculation!$G$118","v":0},null,null,null,null,{"$f":"Calculation!$K$118","v":0},null,null,null,null,{"$f":"Calculation!$O$118","v":0},null,null,null,null,{"$f":"Calculation!$S$118","v":0},null,null,null,null,null,{"$f":"Calc2!$G$118","v":0},null,null,null,null,{"$f":"Calc2!$K$118","v":0},null,null,null,null,null,{"$f":"Calc3!$G$118","v":0},null,null,null,null,{"$f":"Calc3!$K$118","v":0},null,null,null,null,null,{"$f":"Calc4!$G$118","v":0},null,null,null,null,{"$f":"Calc4!$K$118","v":0}]
[]
[]
[]
[null,"Deductions"]
[]
[]
[null,"KiwiSaver employee contribution rate",null,{"$f":"Calculation!I120","v":0},null,null,null,null,{"$f":"Calculation!M120","v":0},null,null,null,null,{"$f":"Calculation!Q120","v":0},null,null,null,null,{"$f":"Calculation!U120","v":0},null,null,null,null,null,{"$f":"Calc2!I120","v":0},null,null,null,null,{"$f":"Calc2!M120","v":0},null,null,null,null,null,{"$f":"Calc3!I120","v":0},null,null,null,null,{"$f":"Calc3!M120","v":0},null,null,null,null,null,{"$f":"Calc4!I120","v":0},null,null,null,null,{"$f":"Calc4!M120","v":0}]
[]
[]
[null,"Net Income after Tax and ACC",null,{"$f":"Calculation!$I$118","v":0},null,null,null,null,{"$f":"Calculation!$M$118","v":0},null,null,null,null,{"$f":"Calculation!$Q$118","v":0},null,null,null,null,{"$f":"Calculation!$U$118","v":0},null,null,null,null,null,{"$f":"Calc2!$I$118","v":0},null,null,null,null,{"$f":"Calc2!$M$118","v":0},null,null,null,null,null,{"$f":"Calc3!$I$118","v":0},null,null,null,null,{"$f":"Calc3!$M$118","v":0},null,null,null,null,null,{"$f":"Calc4!$I$118","v":0},null,null,null,null,{"$f":"Calc4!$M$118","v":0}]
[null,"Scaled Net Income",null,{"$f":"Calculation!$I$131","v":0},null,null,null,null,{"$f":"Calculation!$M$131","v":0},null,null,null,null,{"$f":"Calculation!$Q$131","v":0},null,null,null,null,{"$f":"Calculation!$U$131","v":0},null,null,null,null,null,{"$f":"Calc2!$I$131","v":0},null,null,null,null,{"$f":"Calc2!$M$131","v":0},null,null,null,null,null,{"$f":"Calc3!$I$131","v":0},null,null,null,null,{"$f":"Calc3!$M$131","v":0},null,null,null,null,null,{"$f":"Calc4!$I$131","v":0},null,null,null,null,{"$f":"Calc4!$M$131","v":0}]
[]
[null,"Annual Financial A/c addbacks"]
[]
[null,"Annual Other Assistance Payments"]
[]
[null,"Total Eligible Annual Income after Deductions:",null,{"$f":"Calculation!$I$133+D66+D68","v":0},null,null,null,null,{"$f":"Calculation!$M$133+I66+I68","v":0},null,null,null,null,{"$f":"Calculation!$Q$133+N66+N68","v":0},null,null,null,null,{"$f":"Calculation!$U$133+S66+S68","v":0},null,null,null,null,null,{"$f":"Calc2!$I$133+Y66+Y68","v":0},null,null,null,null,{"$f":"Calc2!$M$133+AD66+AD68","v":0},null,null,null,null,null,{"$f":"Calc3!$I$133+AJ66+AJ68","v":0},null,null,null,null,{"$f":"Calc3!$M$133+AO66+AO68","v":0},null,null,null,null,null,{"$f":"Calc4!$I$133+AU66+AU68","v":0},null,null,null,null,{"$f":"Calc4!$M$133+AZ66+AZ68","v":0}]
["Student Loan"]
[null,"Student Loan Balance"]
["Rental/Boarder Income"]
[null,"Location: Address"]
[]
[]
[null,"Rent frequency and amount"]
[]
[null,"Total Annual Rental Housing Income",{"$f":"Calculation!$J$165","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!$J$165","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc3!$J$165","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc4!$J$165","v":0}]
[]
[]
[null,"Boarder Income",null,null,null,null,null,"Total Annual Boarder Income",null,null,null,null,{"$f":"Calculation!$J$166","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!$J$166","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc3!$J$166","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc4!$J$166","v":0}]
[]
[null,"Total Eligible Annual Rental Housing Income",{"$f":"Calculation!$J$167","v":0},null,null,null,null,"Total Eligible Annual Boarder Income",null,null,null,null,{"$f":"Calculation!$J$168","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"Calc2!$J$167","v":0},null,null,null,null,null,{"$f":"Calc2!$J$168","v":0},null,null,null,null,{"$f":"Calc3!$J$167","v":0},null,null,null,null,null,{"$f":"Calc3!$J$168","v":0},null,null,null,null,{"$f":"Calc4!$J$167","v":0},null,null,null,null,null,{"$f":"Calc4!$J$168","v":0}]
[]
[]
["Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,"All Other Expenses e.g. Council rates for owner occupied home,    holiday home and bare land sections, all Education costs, Childcare, Child Support, Body Corp, Fines, Own rent/board payable, all insurances, and any other non-standard expense.   Refer CPS 2."]
[null,"Living Expenses - Monthly",null,null,null,null,null,"Other Expenses - Monthly",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Living Exp",null,null,null,null,"Other Exp",null,null,null,null,null,"Living Exp",null,null,null,null,"Other Exp",null,null,null,null,null,"Living Exp",null,null,null,null,"Other Exp"]
[]
[null,"Total Annual Living Expenses",{"$f":"Calculation!$I$297*12","v":0},null,null,null,null,"Please add description if any other expense",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Living",{"$f":"Calculation!$AA$296*12","v":0},null,null,null,null,null,null,null,null,null,"Annual Living",{"$f":"Calculation!$AB$296*12","v":0},null,null,null,null,null,null,null,null,null,"Annual Living",{"$f":"Calculation!$AC$296*12","v":0}]
[null,"If not sufficiently populated Total Annual Living Expenses will be system generated"]
["Existing Debt (excluding refinanced lending)"]
[null,"Student Loan","Total Limit",null,null,null,null,null,"Monthly Payment (Calculated)"]
[null,null,{"$f":"Calculation!Q138","v":0},null,null,null,null,null,null,null,null,null,{"$f":"Calculation!Q140","v":0}]
[]
[null,"Existing SBS Bank Loans"]
[null,"Type","Total Limit","Term (max. allowable years)",null,null,null,null,"Monthly P&I Payment (Calculated)"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U217","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U220","v":0}]
[]
[null,"SBS Bank Loan Fixed Repayments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U222","v":0}]
[]
[null,"Existing Other Bank mortgage debt (excluding refinanced lending)"]
[]
[null,"Type","Total Limit","Term (max. allowable years)",null,null,null,null,"Monthly P&I Payment (Calculated)"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U232","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U235","v":0}]
[]
[null,"Other Bank P & I payments - Monthly Total",null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!U237","v":0}]
[]
[null,"Personal / Consumer Debt"]
[]
[null,"Type","Limit","Monthly Actual Payment"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(C116)=FALSE,ISBLANK(D116)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(ISBLANK(C118)=FALSE,ISBLANK(D118)=TRUE),\"ERROR: Please enter an actual monthly loan payment\",\"\")","v":""}]
[]
[null,"Personal / Consumer Debt Repayments - Monthly Total",null,{"$f":"IF(AND(M116=\"\",M118=\"\"),Calculation!N252,\"ERROR\")","v":0}]
[]
[null,"Other debt"]
[]
[null,"Type","Limit","Include in NSR"]
[]
[]
[]
[]
[null,"Total Annual Repayments, All Other Debt",{"$f":"Calculation!Z299*12","v":0}]
[null,"Business debt declaration"]
[]
["Results"]
[null,{"$f":"IFERROR(Calculation!F465,\"\")","v":"The NSR is 0%. Repayments for this loan amount and term meet servicing requirements"}]
[]
[null,"Loan Amount and Rate",{"$f":"N9","v":0},{"$f":"S9","v":6.5000000000000002E-2}]
[]
[null,"Proposed Loan Term",{"$f":"N11& \" years\"","v":" years"},null,null,null,"Total SBS Debt",null,{"$f":"C135+C98+C100","v":0},null,null,null,null,"  Scenario Table"]
[]
[null,"Maximum Allowable Loan Term",{"$f":"Calculation!M284","v":"30 years "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"P&I","IO"]
[]
[null,"Application Loan Term",null,null,null,null,{"$f":"Calculation!M288","v":""},null,null,null,null,null,null,"  Rate"]
[null,"(use slider to adjust figures below)"]
[]
[null,"Debt Servicing Capacity - Total Asset Exposure",null,null,null,null,"Debt to Income Ratio",null,{"$f":"IF(LEFT(G145,3)=\"Err\",0, Calculation!I521)","v":0},null,null,null,null,"  NSR"]
[null,"Maximum Loan Amount with application term",{"$f":"MAX(TRUNC(Calculation!Z490,0),0)","v":0},null,null,null,{"$f":"Calculation!R11","v":"Error: Application type must be selected"},null,null,null,null,null,null,"  Max loan for app term"]
[]
[null,"Maximum Loan Amount with maximum term",{"$f":"MAX(TRUNC(Calculation!Z488,0),0)","v":0},null,null,null,null,null,null,null,null,null,null,"  Max loan for max term"]
[]
[null,"Net Service Ratio (NSR) application loan & term",{"$f":"IF(Calculation!Z137,\"Kiwisaver < 3%\", IFERROR(Calculation!Z310,\"\"))","v":0},null,null,null,{"$f":"Calculation!I11","v":"Retail Lending: NSR should be 100% or less for approval"},null,null,null,null,null,null,"  Income after Deduct"]
[]
[null,"Summary Applicant Financial Information",null,null,null,null,"Gross Annual Income",null,{"$f":"Calculation!R135+Calc2!R135+Calc3!R135+Calc4!R135","v":0},null,null,null,null,"  Rental/Boarder Income"]
[null,"Total Eligible Annual Income after Deductions",{"$f":"SUM(D70:AZ70)","v":0},null,null,null,"Adjusted Gross Income",null,{"$f":"Calculation!Q136+Calc2!Q136+Calc3!Q136+Calc4!Q136","v":0},null,null,null,null,"  Living Expenses"]
[]
[null,"Total Eligible Annual Rental/Boarder Income",{"$f":"C84+M84+X84+AD84+AI84+AO84+AT84+AZ84","v":0},null,null,null,null,null,null,null,null,null,null,"  Debt Repayments"]
[]
[null,"Total Annual Living Expenses",{"$f":"C90+Y90+AJ90+AU90","v":0},null,null,null,null,null,null,null,null,null,null,"  Available for Servicing"]
[]
[null,"Total Existing Debt Annual Repayments",{"$f":"C129","v":0}]
[null,"Available for Debt Servicing (Annually)",{"$f":"C152+C154-C156-C158","v":0}]
[]
[null,"\"Review your income and expenses to find out your remaining monthly income that you can use for your home loan repayments. "]
[null,null,"Knowing how much you can afford to repay each month will help determine how much you can borrow.\""]

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["INCOME"]
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[null,"Self Employed/Business",{"$f":"Calculation!I21*INDEX(Calculation!$AK$9:$AK$13,Calculation!G21,0)","v":0},{"$f":"C8-(Calculation!X80-Calculation!X77)","v":0},null,null,{"$f":"Calculation!M21*INDEX(Calculation!$AK$9:$AK$13,Calculation!K21,0)","v":0},{"$f":"G8-(Calculation!AD80-Calculation!AD77)","v":0},null,null,{"$f":"Calculation!Q21*INDEX(Calculation!$AK$9:$AK$13,Calculation!O21,0)","v":0},{"$f":"K8-(Calculation!AJ80-Calculation!AJ77)","v":0},null,null,{"$f":"Calculation!U21*INDEX(Calculation!$AK$9:$AK$13,Calculation!S21,0)","v":0},{"$f":"O8-(Calculation!AP80-Calculation!AP77)","v":0},null,{"$f":"SUM(C8,G8,K8,O8)","v":0},{"$f":"SUM(D8,H8,L8,P8)","v":0},null,{"$f":"'Calculator Parameters'!D15","v":1},null,{"$f":"U8*R8","v":0},{"$f":"$U8*S8","v":0}]
[]
[]
[null,"Overtime",{"$f":"Calculation!I24*INDEX(Calculation!$AK$9:$AK$13,Calculation!G24,0)","v":0},{"$f":"C11-(Calculation!X83-Calculation!X80)","v":0},null,null,{"$f":"Calculation!M24*INDEX(Calculation!$AK$9:$AK$13,Calculation!K24,0)","v":0},{"$f":"G11-(Calculation!AD83-Calculation!AD80)","v":0},null,null,{"$f":"Calculation!Q24*INDEX(Calculation!$AK$9:$AK$13,Calculation!O24,0)","v":0},{"$f":"K11-(Calculation!AJ83-Calculation!AJ80)","v":0},null,null,{"$f":"Calculation!U24*INDEX(Calculation!$AK$9:$AK$13,Calculation!S24,0)","v":0},{"$f":"O11-(Calculation!AP83-Calculation!AP80)","v":0},null,{"$f":"SUM(C11,G11,K11,O11)","v":0},{"$f":"SUM(D11,H11,L11,P11)","v":0},null,{"$f":"'Calculator Parameters'!D11","v":0.8},null,{"$f":"U11*R11","v":0},{"$f":"$U11*S11","v":0}]
[]
[]
[null,"Bonus",{"$f":"Calculation!I27*INDEX(Calculation!$AK$9:$AK$13,Calculation!G27,0)","v":0},{"$f":"C14-(Calculation!X86-Calculation!X83)","v":0},null,null,{"$f":"Calculation!M27*INDEX(Calculation!$AK$9:$AK$13,Calculation!K27,0)","v":0},{"$f":"G14-(Calculation!AD86-Calculation!AD83)","v":0},null,null,{"$f":"Calculation!Q27*INDEX(Calculation!$AK$9:$AK$13,Calculation!O27,0)","v":0},{"$f":"K14-(Calculation!AJ86-Calculation!AJ83)","v":0},null,null,{"$f":"Calculation!U27*INDEX(Calculation!$AK$9:$AK$13,Calculation!S27,0)","v":0},{"$f":"O14-(Calculation!AP86-Calculation!AP83)","v":0},null,{"$f":"SUM(C14,G14,K14,O14)","v":0},{"$f":"SUM(D14,H14,L14,P14)","v":0},null,{"$f":"'Calculator Parameters'!D12","v":0.7},null,{"$f":"U14*R14","v":0},{"$f":"$U14*S14","v":0}]
[]
[]
[null,"Allowance",{"$f":"Calculation!I30*INDEX(Calculation!$AK$9:$AK$13,Calculation!G30,0)","v":0},{"$f":"C17-(Calculation!X89-Calculation!X86)","v":0},null,null,{"$f":"Calculation!M30*INDEX(Calculation!$AK$9:$AK$13,Calculation!K30,0)","v":0},{"$f":"G17-(Calculation!AD89-Calculation!AD86)","v":0},null,null,{"$f":"Calculation!Q30*INDEX(Calculation!$AK$9:$AK$13,Calculation!O30,0)","v":0},{"$f":"K17-(Calculation!AJ89-Calculation!AJ86)","v":0},null,null,{"$f":"Calculation!U30*INDEX(Calculation!$AK$9:$AK$13,Calculation!S30,0)","v":0},{"$f":"O17-(Calculation!AP89-Calculation!AP86)","v":0},null,{"$f":"SUM(C17,G17,K17,O17)","v":0},{"$f":"SUM(D17,H17,L17,P17)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U17*R17","v":0},{"$f":"$U17*S17","v":0}]
[]
[]
[null,"Commission",{"$f":"Calculation!I33*INDEX(Calculation!$AK$9:$AK$13,Calculation!G33,0)","v":0},{"$f":"C20-(Calculation!X92-Calculation!X89)","v":0},null,null,{"$f":"Calculation!M33*INDEX(Calculation!$AK$9:$AK$13,Calculation!K33,0)","v":0},{"$f":"G20-(Calculation!AD92-Calculation!AD89)","v":0},null,null,{"$f":"Calculation!Q33*INDEX(Calculation!$AK$9:$AK$13,Calculation!O33,0)","v":0},{"$f":"K20-(Calculation!AJ92-Calculation!AJ89)","v":0},null,null,{"$f":"Calculation!U33*INDEX(Calculation!$AK$9:$AK$13,Calculation!S33,0)","v":0},{"$f":"O20-(Calculation!AP92-Calculation!AP89)","v":0},null,{"$f":"SUM(C20,G20,K20,O20)","v":0},{"$f":"SUM(D20,H20,L20,P20)","v":0},null,{"$f":"'Calculator Parameters'!D14","v":0.75},null,{"$f":"U20*R20","v":0},{"$f":"$U20*S20","v":0}]
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[]
[null,"Investment",{"$f":"Calculation!I36*INDEX(Calculation!$AK$9:$AK$13,Calculation!G36,0)","v":0},{"$f":"C23-(Calculation!X95-Calculation!X92)","v":0},null,null,{"$f":"Calculation!M36*INDEX(Calculation!$AK$9:$AK$13,Calculation!K36,0)","v":0},{"$f":"G23-(Calculation!AD95-Calculation!AD92)","v":0},null,null,{"$f":"Calculation!Q36*INDEX(Calculation!$AK$9:$AK$13,Calculation!O36,0)","v":0},{"$f":"K23-(Calculation!AJ95-Calculation!AJ92)","v":0},null,null,{"$f":"Calculation!U36*INDEX(Calculation!$AK$9:$AK$13,Calculation!S36,0)","v":0},{"$f":"O23-(Calculation!AP95-Calculation!AP92)","v":0},null,{"$f":"SUM(C23,G23,K23,O23)","v":0},{"$f":"SUM(D23,H23,L23,P23)","v":0},null,{"$f":"'Calculator Parameters'!D18","v":0.5},null,{"$f":"U23*R23","v":0},{"$f":"$U23*S23","v":0}]
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[]
[null,"Benefits including Superannuation",{"$f":"Calculation!I39*INDEX(Calculation!$AK$9:$AK$13,Calculation!G39,0)","v":0},{"$f":"C26-(Calculation!X98-Calculation!X95)","v":0},null,null,{"$f":"Calculation!M39*INDEX(Calculation!$AK$9:$AK$13,Calculation!K39,0)","v":0},{"$f":"G26-(Calculation!AD98-Calculation!AD95)","v":0},null,null,{"$f":"Calculation!Q39*INDEX(Calculation!$AK$9:$AK$13,Calculation!O39,0)","v":0},{"$f":"K26-(Calculation!AJ98-Calculation!AJ95)","v":0},null,null,{"$f":"Calculation!U39*INDEX(Calculation!$AK$9:$AK$13,Calculation!S39,0)","v":0},{"$f":"O26-(Calculation!AP98-Calculation!AP95)","v":0},null,{"$f":"SUM(C26,G26,K26,O26)","v":0},{"$f":"SUM(D26,H26,L26,P26)","v":0},null,{"$f":"'Calculator Parameters'!D16","v":1},null,{"$f":"U26*R26","v":0},{"$f":"$U26*S26","v":0}]
[]
[]
[null,"Contract",{"$f":"Calculation!I42*INDEX(Calculation!$AK$9:$AK$13,Calculation!G42,0)","v":0},{"$f":"C29-(Calculation!X101-Calculation!X98)","v":0},null,null,{"$f":"Calculation!M42*INDEX(Calculation!$AK$9:$AK$13,Calculation!K42,0)","v":0},{"$f":"G29-(Calculation!AD101-Calculation!AD98)","v":0},null,null,{"$f":"Calculation!Q42*INDEX(Calculation!$AK$9:$AK$13,Calculation!O42,0)","v":0},{"$f":"K29-(Calculation!AJ101-Calculation!AJ98)","v":0},null,null,{"$f":"Calculation!U42*INDEX(Calculation!$AK$9:$AK$13,Calculation!S42,0)","v":0},{"$f":"O29-(Calculation!AP101-Calculation!AP98)","v":0},null,{"$f":"SUM(C29,G29,K29,O29)","v":0},{"$f":"SUM(D29,H29,L29,P29)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U29*R29","v":0},{"$f":"$U29*S29","v":0}]
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[null,"Child Support",{"$f":"Calculation!I45*INDEX(Calculation!$AK$9:$AK$13,Calculation!G45,0)","v":0},{"$f":"C31-(Calculation!X104-Calculation!X101)","v":0},null,null,{"$f":"Calculation!M45*INDEX(Calculation!$AK$9:$AK$13,Calculation!K45,0)","v":0},{"$f":"G31-(Calculation!AD104-Calculation!AD101)","v":0},null,null,{"$f":"Calculation!Q45*INDEX(Calculation!$AK$9:$AK$13,Calculation!O45,0)","v":0},{"$f":"K31-(Calculation!AJ104-Calculation!AJ101)","v":0},null,null,{"$f":"Calculation!U45*INDEX(Calculation!$AK$9:$AK$13,Calculation!S45,0)","v":0},{"$f":"O31-(Calculation!AP104-Calculation!AP101)","v":0},null,{"$f":"SUM(C31,G31,K31,O31)","v":0},{"$f":"SUM(D31,H31,L31,P31)","v":0},null,{"$f":"'Calculator Parameters'!D19","v":0.8},null,{"$f":"U31*R31","v":0},{"$f":"$U31*S31","v":0}]
[]
[null,"Total Gross Income",{"$f":"SUM(C5:C32)","v":0},{"$f":"SUM(D5:D32)","v":0},null,null,{"$f":"SUM(G5:G32)","v":0},0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
[]
["Plus","Other Income and Adjustments"]
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[null,"Annual Other Assistance Payments",{"$f":"'NSR Calculator'!D68","v":0},{"$f":"C37","v":0},null,null,{"$f":"'NSR Calculator'!I68","v":0},{"$f":"G37","v":0},null,null,{"$f":"'NSR Calculator'!N68","v":0},{"$f":"K37","v":0},null,null,{"$f":"'NSR Calculator'!S68","v":0},{"$f":"O37","v":0},null,{"$f":"SUM(C37,G37,K37,O37)","v":0},{"$f":"SUM(D37,H37,L37,P37)","v":0},null,1,null,0,{"$f":"$U37*S37","v":0}]
[null,"Total Other Income and Adjustments",{"$f":"SUM(C36:C37)","v":0},{"$f":"SUM(D36:D37)","v":0},null,null,{"$f":"SUM(G36:G37)","v":0},{"$f":"SUM(H36:H37)","v":0},null,null,{"$f":"SUM(K36:K37)","v":0},{"$f":"SUM(L36:L37)","v":0},null,null,{"$f":"SUM(O36:O37)","v":0},{"$f":"SUM(P36:P37)","v":0},null,{"$f":"SUM(R36:R37)","v":0},{"$f":"SUM(S36:S37)","v":0},null,null,null,{"$f":"SUM(W36:W37)","v":0},{"$f":"SUM(X36:X37)","v":0}]
[]
[null,"Totals",{"$f":"C33+C38","v":0},{"$f":"D33+D38","v":0},null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
[]
[null,"Scaled ACC Levy",null,{"$f":"Calculation!Y118","v":0},null,null,null,{"$f":"Calculation!AE118","v":0},null,null,null,{"$f":"Calculation!AK118","v":0},null,null,null,{"$f":"Calculation!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
[]
["Less","Deductions"]
[]
[null,"Kiwisaver ",null,{"$f":"Calculation!AC103","v":0},null,null,null,{"$f":"Calculation!AI103","v":0},null,null,null,{"$f":"Calculation!AO103","v":0},null,null,null,{"$f":"Calculation!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
[]
["Plus","Rental/Boarder Income"]
[null,"Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!J165","v":0},null,null,{"$f":"'Calculator Parameters'!D17","v":0.75},null,null,{"$f":"U50*R50","v":0}]
[null,"Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calculation!J166","v":0},null,null,{"$f":"'Calculator Parameters'!D20","v":0.8},null,null,{"$f":"U51*R51","v":0}]
[null,"Total Rental/Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R50:R51)","v":0},null,null,null,null,null,{"$f":"SUM(X50:X51)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross","Gross Scaled",null,null,null,"Total Adjusted Gross","Net Scaled"]
[null,"Total Gross (non-scaled)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R33+R38+R52","v":0},{"$f":"W33+W38+X52","v":0},null,null,null,{"$f":"S55-X47","v":0},{"$f":"X40-X42+X52-X47","v":0}]
[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]
[null,null,null,"Account 2",null,null,"Account 3","Account 4",null,null,"Account 5"]
[null,"Loan Account Number"]
["DEBT",null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Income 1",{"$f":"R55","v":0},null,"Debt to Income (DTI)",{"$f":"IF(P64=0,0,C82/P64)","v":0}]
[null,"Student Loans",null,null,null,null,null,null,null,null,null,null,null,null,"Gross Income 2",{"$f":"'DTI2'!R55","v":0},null,"DTI Max",{"$f":"Calculation!AK174","v":6}]
[null,"Student Loan Balance",{"$f":"Calculation!Q138","v":0},null,null,null,null,null,null,null,null,null,null,null,"Gross Income 3",{"$f":"'DTI3'!R55","v":0}]
[null,"Total Student Loans",{"$f":"SUM(C62)","v":0},null,null,null,null,null,null,null,null,null,null,null,"Gross Income 4",{"$f":"'DTI4'!R55","v":0}]
[null,null,null,null,"As Business Debt",null,null,{"$f":"OR(Calculation!G278=3,Calculation!G278=5)","v":false},null,null,null,null,null,null,"Total Income",{"$f":"SUM(P60:P63)","v":0}]
["Plus","SBS Debt",null,null,"SBS Debt",null,null,{"$f":"IF(H64,C66,C68)","v":0}]
[null,"This Loan (including unutilised limits)",{"$f":"'NSR Calculator'!N9","v":0},null,"Mortgage Elsewhere",null,null,{"$f":"IF(H64,0,C72)","v":0}]
[null,"Existing SBS Debt",{"$f":"'NSR Calculator'!C98+'NSR Calculator'!C100","v":0},null,"Business debt",null,null,{"$f":"IF(H64,C72+C67,0)","v":0}]
[null,"Total SBS Debt",{"$f":"SUM(C66:C67)","v":0}]
[]
["Plus","Mortgage Elsewhere"]
[null,"Other Bank Mortgage",{"$f":"'NSR Calculator'!C107+'NSR Calculator'!C109","v":0}]
[null,"Total Mortgage Elsewhere",{"$f":"SUM(C71)","v":0}]
[]
["Plus","Personal Loans/Credit Cards"]
[null,"Personal Loans",{"$f":"IF(Calculation!B246<4,Calculation!G246,0)+IF(Calculation!B249<4,Calculation!G249,0)+IF(Calculation!B260<3,Calculation!G260,0)+IF(Calculation!B262<3,Calculation!G262,0)","v":0}]
[null,"Total Personal Loan/Credit Card ",{"$f":"SUM(C75:C75)","v":0}]
[]
["Plus","Other"]
[null,"Other Debt",{"$f":"IF(Calculation!B246>3,Calculation!G246,0)+IF(Calculation!B249>3,Calculation!G249,0)+IF(Calculation!B260>2,Calculation!G260,0)+IF(Calculation!B262>2,Calculation!G262,0)","v":0}]
[null,"Total Other",{"$f":"SUM(C79:C79)","v":0}]
[]
[null,"Total Debt",{"$f":"C63+C68+C72+C76+C80","v":0}]

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[null,"Self Employed/Business",{"$f":"Calc2!I21*INDEX(Calc2!$AK$9:$AK$13,Calc2!G21,0)","v":0},{"$f":"C8-(Calc2!X80-Calc2!X77)","v":0},null,null,{"$f":"Calc2!M21*INDEX(Calc2!$AK$9:$AK$13,Calc2!K21,0)","v":0},{"$f":"G8-(Calc2!AD80-Calc2!AD77)","v":0},null,null,{"$f":"Calc2!Q21*INDEX(Calc2!$AK$9:$AK$13,Calc2!O21,0)","v":0},{"$f":"K8-(Calc2!AJ80-Calc2!AJ77)","v":0},null,null,{"$f":"Calc2!U21*INDEX(Calc2!$AK$9:$AK$13,Calc2!S21,0)","v":0},{"$f":"O8-(Calc2!AP80-Calc2!AP77)","v":0},null,{"$f":"SUM(C8,G8,K8,O8)","v":0},{"$f":"SUM(D8,H8,L8,P8)","v":0},null,{"$f":"'Calculator Parameters'!D15","v":1},null,{"$f":"U8*R8","v":0},{"$f":"$U8*S8","v":0}]
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[null,"Overtime",{"$f":"Calc2!I24*INDEX(Calc2!$AK$9:$AK$13,Calc2!G24,0)","v":0},{"$f":"C11-(Calc2!X83-Calc2!X80)","v":0},null,null,{"$f":"Calc2!M24*INDEX(Calc2!$AK$9:$AK$13,Calc2!K24,0)","v":0},{"$f":"G11-(Calc2!AD83-Calc2!AD80)","v":0},null,null,{"$f":"Calc2!Q24*INDEX(Calc2!$AK$9:$AK$13,Calc2!O24,0)","v":0},{"$f":"K11-(Calc2!AJ83-Calc2!AJ80)","v":0},null,null,{"$f":"Calc2!U24*INDEX(Calc2!$AK$9:$AK$13,Calc2!S24,0)","v":0},{"$f":"O11-(Calc2!AP83-Calc2!AP80)","v":0},null,{"$f":"SUM(C11,G11,K11,O11)","v":0},{"$f":"SUM(D11,H11,L11,P11)","v":0},null,{"$f":"'Calculator Parameters'!D11","v":0.8},null,{"$f":"U11*R11","v":0},{"$f":"$U11*S11","v":0}]
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[null,"Bonus",{"$f":"Calc2!I27*INDEX(Calc2!$AK$9:$AK$13,Calc2!G27,0)","v":0},{"$f":"C14-(Calc2!X86-Calc2!X83)","v":0},null,null,{"$f":"Calc2!M27*INDEX(Calc2!$AK$9:$AK$13,Calc2!K27,0)","v":0},{"$f":"G14-(Calc2!AD86-Calc2!AD83)","v":0},null,null,{"$f":"Calc2!Q27*INDEX(Calc2!$AK$9:$AK$13,Calc2!O27,0)","v":0},{"$f":"K14-(Calc2!AJ86-Calc2!AJ83)","v":0},null,null,{"$f":"Calc2!U27*INDEX(Calc2!$AK$9:$AK$13,Calc2!S27,0)","v":0},{"$f":"O14-(Calc2!AP86-Calc2!AP83)","v":0},null,{"$f":"SUM(C14,G14,K14,O14)","v":0},{"$f":"SUM(D14,H14,L14,P14)","v":0},null,{"$f":"'Calculator Parameters'!D12","v":0.7},null,{"$f":"U14*R14","v":0},{"$f":"$U14*S14","v":0}]
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[null,"Allowance",{"$f":"Calc2!I30*INDEX(Calc2!$AK$9:$AK$13,Calc2!G30,0)","v":0},{"$f":"C17-(Calc2!X89-Calc2!X86)","v":0},null,null,{"$f":"Calc2!M30*INDEX(Calc2!$AK$9:$AK$13,Calc2!K30,0)","v":0},{"$f":"G17-(Calc2!AD89-Calc2!AD86)","v":0},null,null,{"$f":"Calc2!Q30*INDEX(Calc2!$AK$9:$AK$13,Calc2!O30,0)","v":0},{"$f":"K17-(Calc2!AJ89-Calc2!AJ86)","v":0},null,null,{"$f":"Calc2!U30*INDEX(Calc2!$AK$9:$AK$13,Calc2!S30,0)","v":0},{"$f":"O17-(Calc2!AP89-Calc2!AP86)","v":0},null,{"$f":"SUM(C17,G17,K17,O17)","v":0},{"$f":"SUM(D17,H17,L17,P17)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U17*R17","v":0},{"$f":"$U17*S17","v":0}]
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[null,"Benefits including Superannuation",{"$f":"Calc2!I39*INDEX(Calc2!$AK$9:$AK$13,Calc2!G39,0)","v":0},{"$f":"C26-(Calc2!X98-Calc2!X95)","v":0},null,null,{"$f":"Calc2!M39*INDEX(Calc2!$AK$9:$AK$13,Calc2!K39,0)","v":0},{"$f":"G26-(Calc2!AD98-Calc2!AD95)","v":0},null,null,{"$f":"Calc2!Q39*INDEX(Calc2!$AK$9:$AK$13,Calc2!O39,0)","v":0},{"$f":"K26-(Calc2!AJ98-Calc2!AJ95)","v":0},null,null,{"$f":"Calc2!U39*INDEX(Calc2!$AK$9:$AK$13,Calc2!S39,0)","v":0},{"$f":"O26-(Calc2!AP98-Calc2!AP95)","v":0},null,{"$f":"SUM(C26,G26,K26,O26)","v":0},{"$f":"SUM(D26,H26,L26,P26)","v":0},null,{"$f":"'Calculator Parameters'!D16","v":1},null,{"$f":"U26*R26","v":0},{"$f":"$U26*S26","v":0}]
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[null,"Child Support",{"$f":"Calc2!I45*INDEX(Calc2!$AK$9:$AK$13,Calc2!G45,0)","v":0},{"$f":"C31-(Calc2!X104-Calc2!X101)","v":0},null,null,{"$f":"Calc2!M45*INDEX(Calc2!$AK$9:$AK$13,Calc2!K45,0)","v":0},{"$f":"G31-(Calc2!AD104-Calc2!AD101)","v":0},null,null,{"$f":"Calc2!Q42*INDEX(Calc2!$AK$9:$AK$13,Calc2!O42,0)","v":0},{"$f":"K31-(Calc2!AJ101-Calc2!AJ98)","v":0},null,null,{"$f":"Calc2!U42*INDEX(Calc2!$AK$9:$AK$13,Calc2!S42,0)","v":0},{"$f":"O31-(Calc2!AP101-Calc2!AP98)","v":0},null,{"$f":"SUM(C31,G31,K31,O31)","v":0},{"$f":"SUM(D31,H31,L31,P31)","v":0},null,{"$f":"'Calculator Parameters'!D19","v":0.8},null,{"$f":"U31*R31","v":0},{"$f":"$U31*S31","v":0}]
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[null,"Total Gross Income",{"$f":"SUM(C5:C32)","v":0},{"$f":"SUM(D5:D32)","v":0},null,null,{"$f":"SUM(G5:G32)","v":0},0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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["Plus","Other Income and Adjustments"]
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[null,"Annual Other Assistance Payments",{"$f":"'NSR Calculator'!Y68","v":0},{"$f":"C37","v":0},null,null,{"$f":"'NSR Calculator'!AD68","v":0},{"$f":"G37","v":0},null,null,0,{"$f":"K37","v":0},null,null,0,{"$f":"O37","v":0},null,{"$f":"SUM(C37,G37,K37,O37)","v":0},{"$f":"SUM(D37,H37,L37,P37)","v":0},null,1,null,0,{"$f":"$U37*S37","v":0}]
[null,"Total Other Income and Adjustments",{"$f":"SUM(C36:C37)","v":0},{"$f":"SUM(D36:D37)","v":0},null,null,{"$f":"SUM(G36:G37)","v":0},{"$f":"SUM(H36:H37)","v":0},null,null,{"$f":"SUM(K36:K37)","v":0},{"$f":"SUM(L36:L37)","v":0},null,null,{"$f":"SUM(O36:O37)","v":0},{"$f":"SUM(P36:P37)","v":0},null,{"$f":"SUM(R36:R37)","v":0},{"$f":"SUM(S36:S37)","v":0},null,null,null,{"$f":"SUM(W36:W37)","v":0},{"$f":"SUM(X36:X37)","v":0}]
[]
[null,"Totals",{"$f":"C33+C38","v":0},{"$f":"D33+D38","v":0},null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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[null,"Scaled ACC Levy",null,{"$f":"Calc2!Y118","v":0},null,null,null,{"$f":"Calc2!AE118","v":0},null,null,null,{"$f":"Calc2!AK118","v":0},null,null,null,{"$f":"Calc2!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
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["Less","Deductions"]
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[null,"Kiwisaver ",null,{"$f":"Calc2!AC103","v":0},null,null,null,{"$f":"Calc2!AI103","v":0},null,null,null,{"$f":"Calc2!AO103","v":0},null,null,null,{"$f":"Calc2!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
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["Plus","Rental/Boarder Income"]
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[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]

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["Plus","Other Income and Adjustments"]
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[null,"Totals",{"$f":"C33+C38","v":0},{"$f":"D33+D38","v":0},null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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[null,"Scaled ACC Levy",null,{"$f":"Calc3!Y118","v":0},null,null,null,{"$f":"Calc3!AE118","v":0},null,null,null,{"$f":"Calc3!AK118","v":0},null,null,null,{"$f":"Calc3!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
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["Less","Deductions"]
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[null,"Kiwisaver ",null,{"$f":"Calc3!AC103","v":0},null,null,null,{"$f":"Calc3!AI103","v":0},null,null,null,{"$f":"Calc3!AO103","v":0},null,null,null,{"$f":"Calc3!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
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["Plus","Rental/Boarder Income"]
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[null,"Total Rental/Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R50:R51)","v":0},null,null,null,null,null,{"$f":"SUM(X50:X51)","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross","Gross Scaled",null,null,null,"Total Adjusted Gross","Net Scaled"]
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[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]

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[null,"Allowance",{"$f":"Calc4!I30*INDEX(Calc4!$AK$9:$AK$13,Calc4!G30,0)","v":0},{"$f":"C17-(Calc4!X89-Calc4!X86)","v":0},null,null,{"$f":"Calc4!M30*INDEX(Calc4!$AK$9:$AK$13,Calc4!K30,0)","v":0},{"$f":"G17-(Calc4!AD89-Calc4!AD86)","v":0},null,null,{"$f":"Calc4!Q30*INDEX(Calc4!$AK$9:$AK$13,Calc4!O30,0)","v":0},{"$f":"K17-(Calc4!AJ89-Calc4!AJ86)","v":0},null,null,{"$f":"Calc4!U30*INDEX(Calc4!$AK$9:$AK$13,Calc4!S30,0)","v":0},{"$f":"O17-(Calc4!AP89-Calc4!AP86)","v":0},null,{"$f":"SUM(C17,G17,K17,O17)","v":0},{"$f":"SUM(D17,H17,L17,P17)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U17*R17","v":0},{"$f":"$U17*S17","v":0}]
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[null,"Commission",{"$f":"Calc4!I33*INDEX(Calc4!$AK$9:$AK$13,Calc4!G33,0)","v":0},{"$f":"C20-(Calc4!X92-Calc4!X89)","v":0},null,null,{"$f":"Calc4!M33*INDEX(Calc4!$AK$9:$AK$13,Calc4!K33,0)","v":0},{"$f":"G20-(Calc4!AD92-Calc4!AD89)","v":0},null,null,{"$f":"Calc4!Q33*INDEX(Calc4!$AK$9:$AK$13,Calc4!O33,0)","v":0},{"$f":"K20-(Calc4!AJ92-Calc4!AJ89)","v":0},null,null,{"$f":"Calc4!U33*INDEX(Calc4!$AK$9:$AK$13,Calc4!S33,0)","v":0},{"$f":"O20-(Calc4!AP92-Calc4!AP89)","v":0},null,{"$f":"SUM(C20,G20,K20,O20)","v":0},{"$f":"SUM(D20,H20,L20,P20)","v":0},null,{"$f":"'Calculator Parameters'!D14","v":0.75},null,{"$f":"U20*R20","v":0},{"$f":"$U20*S20","v":0}]
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[null,"Investment",{"$f":"Calc4!I36*INDEX(Calc4!$AK$9:$AK$13,Calc4!G36,0)","v":0},{"$f":"C23-(Calc4!X95-Calc4!X92)","v":0},null,null,{"$f":"Calc4!M36*INDEX(Calc4!$AK$9:$AK$13,Calc4!K36,0)","v":0},{"$f":"G23-(Calc4!AD95-Calc4!AD92)","v":0},null,null,{"$f":"Calc4!Q36*INDEX(Calc4!$AK$9:$AK$13,Calc4!O36,0)","v":0},{"$f":"K23-(Calc4!AJ95-Calc4!AJ92)","v":0},null,null,{"$f":"Calc4!U36*INDEX(Calc4!$AK$9:$AK$13,Calc4!S36,0)","v":0},{"$f":"O23-(Calc4!AP95-Calc4!AP92)","v":0},null,{"$f":"SUM(C23,G23,K23,O23)","v":0},{"$f":"SUM(D23,H23,L23,P23)","v":0},null,{"$f":"'Calculator Parameters'!D18","v":0.5},null,{"$f":"U23*R23","v":0},{"$f":"$U23*S23","v":0}]
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[null,"Benefits including Superannuation",{"$f":"Calc4!I39*INDEX(Calc4!$AK$9:$AK$13,Calc4!G39,0)","v":0},{"$f":"C26-(Calc4!X98-Calc4!X95)","v":0},null,null,{"$f":"Calc4!M39*INDEX(Calc4!$AK$9:$AK$13,Calc4!K39,0)","v":0},{"$f":"G26-(Calc4!AD98-Calc4!AD95)","v":0},null,null,{"$f":"Calc4!Q39*INDEX(Calc4!$AK$9:$AK$13,Calc4!O39,0)","v":0},{"$f":"K26-(Calc4!AJ98-Calc4!AJ95)","v":0},null,null,{"$f":"Calc4!U39*INDEX(Calc4!$AK$9:$AK$13,Calc4!S39,0)","v":0},{"$f":"O26-(Calc4!AP98-Calc4!AP95)","v":0},null,{"$f":"SUM(C26,G26,K26,O26)","v":0},{"$f":"SUM(D26,H26,L26,P26)","v":0},null,{"$f":"'Calculator Parameters'!D16","v":1},null,{"$f":"U26*R26","v":0},{"$f":"$U26*S26","v":0}]
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[null,"Contract",{"$f":"Calc4!I42*INDEX(Calc4!$AK$9:$AK$13,Calc4!G42,0)","v":0},{"$f":"C29-(Calc4!X101-Calc4!X98)","v":0},null,null,{"$f":"Calc4!M42*INDEX(Calc4!$AK$9:$AK$13,Calc4!K42,0)","v":0},{"$f":"G29-(Calc4!AD101-Calc4!AD98)","v":0},null,null,{"$f":"Calc4!Q40*INDEX(Calc4!$AK$9:$AK$13,Calc4!O40,0)","v":0},{"$f":"K29-(Calc4!AJ99-Calc4!AJ96)","v":0},null,null,{"$f":"Calc4!U40*INDEX(Calc4!$AK$9:$AK$13,Calc4!S40,0)","v":0},{"$f":"O29-(Calc4!AP99-Calc4!AP96)","v":0},null,{"$f":"SUM(C29,G29,K29,O29)","v":0},{"$f":"SUM(D29,H29,L29,P29)","v":0},null,{"$f":"'Calculator Parameters'!D13","v":0.8},null,{"$f":"U29*R29","v":0},{"$f":"$U29*S29","v":0}]
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[null,"Child Support",{"$f":"Calc4!I45*INDEX(Calc4!$AK$9:$AK$13,Calc4!G45,0)","v":0},{"$f":"C31-(Calc4!X104-Calc4!X101)","v":0},null,null,{"$f":"Calc4!M45*INDEX(Calc4!$AK$9:$AK$13,Calc4!K45,0)","v":0},{"$f":"G31-(Calc4!AD104-Calc4!AD101)","v":0},null,null,{"$f":"Calc4!Q42*INDEX(Calc4!$AK$9:$AK$13,Calc4!O42,0)","v":0},{"$f":"K31-(Calc4!AJ101-Calc4!AJ98)","v":0},null,null,{"$f":"Calc4!U42*INDEX(Calc4!$AK$9:$AK$13,Calc4!S42,0)","v":0},{"$f":"O31-(Calc4!AP101-Calc4!AP98)","v":0},null,{"$f":"SUM(C31,G31,K31,O31)","v":0},{"$f":"SUM(D31,H31,L31,P31)","v":0},null,{"$f":"'Calculator Parameters'!D19","v":0.8},null,{"$f":"U31*R31","v":0},{"$f":"$U31*S31","v":0}]
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[null,"Total Gross Income",{"$f":"SUM(C5:C32)","v":0},{"$f":"SUM(D5:D32)","v":0},null,null,{"$f":"SUM(G5:G32)","v":0},0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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["Plus","Other Income and Adjustments"]
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[null,"Annual Other Assistance Payments",{"$f":"'NSR Calculator'!AU68","v":0},{"$f":"C37","v":0},null,null,{"$f":"'NSR Calculator'!AZ68","v":0},{"$f":"G37","v":0},null,null,0,{"$f":"K37","v":0},null,null,0,{"$f":"O37","v":0},null,{"$f":"SUM(C37,G37,K37,O37)","v":0},{"$f":"SUM(D37,H37,L37,P37)","v":0},null,1,null,0,{"$f":"$U37*S37","v":0}]
[null,"Total Other Income and Adjustments",{"$f":"SUM(C36:C37)","v":0},{"$f":"SUM(D36:D37)","v":0},null,null,{"$f":"SUM(G36:G37)","v":0},{"$f":"SUM(H36:H37)","v":0},null,null,{"$f":"SUM(K36:K37)","v":0},{"$f":"SUM(L36:L37)","v":0},null,null,{"$f":"SUM(O36:O37)","v":0},{"$f":"SUM(P36:P37)","v":0},null,{"$f":"SUM(R36:R37)","v":0},{"$f":"SUM(S36:S37)","v":0},null,null,null,{"$f":"SUM(W36:W37)","v":0},{"$f":"SUM(X36:X37)","v":0}]
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[null,"Totals",{"$f":"C33+C38","v":0},{"$f":"D33+D38","v":0},null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,null,null,0,0]
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[null,"Scaled ACC Levy",null,{"$f":"Calc4!Y118","v":0},null,null,null,{"$f":"Calc4!AE118","v":0},null,null,null,{"$f":"Calc4!AK118","v":0},null,null,null,{"$f":"Calc4!AQ118","v":0},null,null,{"$f":"SUM(D42,H42,L42,P42)","v":0},null,null,null,null,{"$f":"S42","v":0}]
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["Less","Deductions"]
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[null,"Kiwisaver ",null,{"$f":"Calc4!AC103","v":0},null,null,null,{"$f":"Calc4!AI103","v":0},null,null,null,{"$f":"Calc4!AO103","v":0},null,null,null,{"$f":"Calc4!AU103","v":0},null,null,{"$f":"SUM(D46,H46,L46,P46)","v":0},null,1,null,null,{"$f":"U46*S46","v":0}]
[null,"Total Deductions",null,{"$f":"SUM(D45:D46)","v":0},null,null,null,{"$f":"SUM(H45:H46)","v":0},null,null,null,{"$f":"SUM(L45:L46)","v":0},null,null,null,{"$f":"SUM(P45:P46)","v":0},null,null,{"$f":"SUM(S45:S46)","v":0},null,null,null,null,{"$f":"SUM(X45:X46)","v":0}]
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["Plus","Rental/Boarder Income"]
[null,"Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc4!J165","v":0},null,null,{"$f":"'Calculator Parameters'!D17","v":0.75},null,null,{"$f":"U50*R50","v":0}]
[null,"Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Calc4!J166","v":0},null,null,{"$f":"'Calculator Parameters'!D20","v":0.8},null,null,{"$f":"U51*R51","v":0}]
[null,"Total Rental/Boarder Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R50:R51)","v":0},null,null,null,null,null,{"$f":"SUM(X50:X51)","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross","Gross Scaled",null,null,null,"Total Adjusted Gross","Net Scaled"]
[null,"Total Gross (non-scaled)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R33+R38+R52","v":0},{"$f":"W33+W38+X52","v":0},null,null,null,{"$f":"S55-X47","v":0},{"$f":"X40-X42+X52-X47","v":0}]
[null,"Total Gross Scaled"]
[null,"Total Adjusted Gross Scaled"]

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["Account Number","Header","Mortgage at Own Bank","Mortgage Elsewhere","Consumer Debt","Student Loan","Business Loans","Other","Total All Debt","Total All Debt - display once","Total SBS Debt","Wages and Salaries","Self Employment","Boarder Income","Rental Income","Superannuation & Govt Benefit","Other Income","Deductions","Adjusted Gross Income","Adjusted Gross Income - display once","Gross Wages and Salaries","Gross Business Income / Self Employment","Gross Boarder Income","Gross Rental Income","Gross Superannuation & Govt Benefits","Gross Other Income","Total Gross Income","Total Gross Income - display once","Debt To Income\n (DTI)"]
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[null,null,null,null,null,null,null,null,null,null,"Household 1",{"$f":"'DTI Calculation'!W5+'DTI Calculation'!W11+'DTI Calculation'!W14+'DTI Calculation'!W17+'DTI Calculation'!W20","v":0},{"$f":"'DTI Calculation'!W8+'DTI Calculation'!W36","v":0},{"$f":"'DTI Calculation'!X51","v":0},{"$f":"'DTI Calculation'!X50","v":0},{"$f":"'DTI Calculation'!W26","v":0},{"$f":"'DTI Calculation'!W23+'DTI Calculation'!W29+'DTI Calculation'!W31","v":0},{"$f":"-'DTI Calculation'!X47","v":0},{"$f":"'DTI Calculation'!W55","v":0},null,{"$f":"'DTI Calculation'!R5+'DTI Calculation'!R11+'DTI Calculation'!R14+'DTI Calculation'!R17+'DTI Calculation'!R20","v":0},{"$f":"'DTI Calculation'!R8+'DTI Calculation'!R36","v":0},{"$f":"'DTI Calculation'!R51","v":0},{"$f":"'DTI Calculation'!R50","v":0},{"$f":"'DTI Calculation'!R26","v":0},{"$f":"'DTI Calculation'!R23+'DTI Calculation'!R29+'DTI Calculation'!R31","v":0},{"$f":"'DTI Calculation'!R55","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Household 2",{"$f":"'DTI2'!W5+'DTI2'!W11+'DTI2'!W14+'DTI2'!W17+'DTI2'!W20","v":0},{"$f":"'DTI2'!W8+'DTI2'!W36","v":0},{"$f":"'DTI2'!X51","v":0},{"$f":"'DTI2'!X50","v":0},{"$f":"'DTI2'!W26","v":0},{"$f":"'DTI2'!W23+'DTI2'!W29+'DTI2'!W31","v":0},{"$f":"-'DTI2'!X47","v":0},{"$f":"'DTI2'!W55","v":0},null,{"$f":"'DTI2'!R5+'DTI2'!R11+'DTI2'!R14+'DTI2'!R17+'DTI2'!R20","v":0},{"$f":"'DTI2'!R8+'DTI2'!R36","v":0},{"$f":"'DTI2'!R51","v":0},{"$f":"'DTI2'!R50","v":0},{"$f":"'DTI2'!R26","v":0},{"$f":"'DTI2'!R23+'DTI2'!R29+'DTI2'!R31","v":0},{"$f":"'DTI2'!R55","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Household 3",{"$f":"'DTI3'!W5+'DTI3'!W11+'DTI3'!W14+'DTI3'!W17+'DTI3'!W20","v":0},{"$f":"'DTI3'!W8+'DTI3'!W36","v":0},{"$f":"'DTI3'!X51","v":0},{"$f":"'DTI3'!X50","v":0},{"$f":"'DTI3'!W26","v":0},{"$f":"'DTI3'!W23+'DTI3'!W29+'DTI3'!W31","v":0},{"$f":"-'DTI3'!X47","v":0},{"$f":"'DTI3'!W55","v":0},null,{"$f":"'DTI3'!R5+'DTI3'!R11+'DTI3'!R14+'DTI3'!R17+'DTI3'!R20","v":0},{"$f":"'DTI3'!R8+'DTI3'!R36","v":0},{"$f":"'DTI3'!R51","v":0},{"$f":"'DTI3'!R50","v":0},{"$f":"'DTI3'!R26","v":0},{"$f":"'DTI3'!R23+'DTI3'!R29+'DTI3'!R31","v":0},{"$f":"'DTI3'!R55","v":0}]
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