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{"sheet":"Commercial","index":0,"n_rows":89,"n_cols":17,"rows_kept":89,"cut":false,"hidden":false,"merged":[[31,2,32,2],[3,4,3,8],[88,8,88,10],[87,8,87,10],[53,6,53,8],[54,6,54,8],[55,6,55,8],[56,6,56,8],[57,6,57,8]]}
[null,"Commercial Servicability Calculator"]
[null,null,{"$f":"Residential!C3","v":"Version 5.6 (17 September 2020)"}]
[]
[null,null,"Applicant Name"]
[]
[null,null,"Proposed Loan Details"]
[]
[null,null,"New Loan Amount",null,null,null,"Interest Rate"]
[null,null,"Documentation Type",null,null,null,"Loan Term (Years)"]
[null,null,null,null,null,null,"I/O Term (Years)"]
[null,null,null,null,null,null,"P&I Repayment",null,{"$f":"IF(I9>I10,-PMT(I8/12,12*(I9-I10),E8),0)","v":0}]
[null,null,null,null,null,null,"IO Repayment",null,{"$f":"IF(I10>0,E8*I8/12,0)","v":0}]
[]
[]
[null,null,"Business Loan Details",null,null,null,null,null,null,null,null,null,null,"excluding proposed Pepper loan"]
[]
[null,null,null,null,"Loan Amount",null,"Rate",null,"Actual Loan Repayment (Monthly)"]
[null,null,"Loan 1"]
[null,null,"Loan 2"]
[null,null,"Loan 3"]
[null,null,"Loan 4"]
[]
[]
[null,null,"Business Income / Expenses"]
[]
[null,null,"Business Income",null,null,null,null,null,"Add Backs"]
[null,null,"Net Profit Before Tax",null,null,null,null,null,"Depreciation"]
[null,null,"Proposed Net CRE Rental Income",null,null,null,null,null,"Ammortisation"]
[null,null,"Proposed Gross Residential Rental Income",null,null,null,null,null,"Interest Paid"]
[null,null,null,null,null,null,null,null,"Directors Salaries/Fees/Super"]
[null,null,null,null,null,null,null,null,"Other"]
[null,null,"Earning Before Interest, Tax, Depreciation & Ammortisation (EBITDA)"]
[null,null,null,null,{"$f":"K33+E27+E28+(E29*RentalIncomeShading)","v":0},null,null,null," Total Add Backs",null,{"$f":"SUM(K27:K31)","v":0}]
[]
[]
[null,null,"Personal Income / Expenses"]
[]
[null,null,"Applicant Details",null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[null,null,"Status"]
[null,null,"Couple With"]
[null,null,"Dependants"]
[null,null,null,null,"Enter a Status",null,"Enter a Status",null,"Enter a Status",null,"Enter a Status"]
[]
[null,null,"Gross Annual Income"]
[null,null,"Untaxed Allowable Income"]
[null,null,"Gross Residential Rental Income (Other)"]
[null,null,"Total Income",null,{"$f":"E44+E45+E46*RentalIncomeShading","v":0},null,{"$f":"G44+G45+G46*RentalIncomeShading","v":0},null,{"$f":"I44+I45+I46*RentalIncomeShading","v":0},null,{"$f":"K44+K45+K46*RentalIncomeShading","v":0},null,null,null,null,{"$f":"(E47+G47+I47+K47)","v":0},"Total Gross Annual Income"]
[]
[null,null,"Investment Property Loan Balance (personal name)"]
[null,null,"Tax",null,{"$f":"VLOOKUP(E66,IncomeTaxTable,2,TRUE)+MAX(((E66-VLOOKUP(E66,IncomeTaxTable,1,TRUE))*VLOOKUP(E66,IncomeTaxTable,3,TRUE)),0) +IF(E66<=MinimumForPartialLevy,0,IF(E66>MinimumForFullLevy,E66*MedicareFullLevyPerc,(E66-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(G66,IncomeTaxTable,2,TRUE)+MAX(((G66-VLOOKUP(G66,IncomeTaxTable,1,TRUE))*VLOOKUP(G66,IncomeTaxTable,3,TRUE)),0) +IF(G66<=MinimumForPartialLevy,0,IF(G66>MinimumForFullLevy,G66*MedicareFullLevyPerc,(G66-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(I66,IncomeTaxTable,2,TRUE)+MAX(((I66-VLOOKUP(I66,IncomeTaxTable,1,TRUE))*VLOOKUP(I66,IncomeTaxTable,3,TRUE)),0) +IF(I66<=MinimumForPartialLevy,0,IF(I66>MinimumForFullLevy,I66*MedicareFullLevyPerc,(I66-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0},null,{"$f":"VLOOKUP(K66,IncomeTaxTable,2,TRUE)+MAX(((K66-VLOOKUP(K66,IncomeTaxTable,1,TRUE))*VLOOKUP(K66,IncomeTaxTable,3,TRUE)),0) +IF(K66<=MinimumForPartialLevy,0,IF(K66>MinimumForFullLevy,K66*MedicareFullLevyPerc,(K66-MinimumForPartialLevy)*MedicarePartialLevyPerc))","v":0}]
[null,null,"Tax offset for Low Income Earners",null,{"$f":"0-(IF(E39=\"Company\",0,MIN(E50,IF(OR(E66<=0,E66>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(E66>TaxOffsetIncomeThreshholds,((E66-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(E39=\"Company\",E66=\"\",E66=0),0,IF(VLOOKUP(E66,TaxOffsetForLowIncomeTable,2,TRUE)+(E66-VLOOKUP(E66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E66,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(E66,TaxOffsetForLowIncomeTable,2,TRUE)+(E66-VLOOKUP(E66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E66,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(G39=\"Company\",0,MIN(G50,IF(OR(G66<=0,G66>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(G66>TaxOffsetIncomeThreshholds,((G66-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(G39=\"Company\",G66=\"\",G66=0),0,IF(VLOOKUP(G66,TaxOffsetForLowIncomeTable,2,TRUE)+(G66-VLOOKUP(G66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G66,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(G66,TaxOffsetForLowIncomeTable,2,TRUE)+(G66-VLOOKUP(G66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G66,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(I39=\"Company\",0,MIN(I50,IF(OR(I66<=0,I66>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(I66>TaxOffsetIncomeThreshholds,((I66-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(I39=\"Company\",I66=\"\",I66=0),0,IF(VLOOKUP(I66,TaxOffsetForLowIncomeTable,2,TRUE)+(I66-VLOOKUP(I66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I66,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(I66,TaxOffsetForLowIncomeTable,2,TRUE)+(I66-VLOOKUP(I66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I66,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(K39=\"Company\",0,MIN(K50,IF(OR(K66<=0,K66>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(K66>TaxOffsetIncomeThreshholds,((K66-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(K39=\"Company\",K66=\"\",K66=0),0,IF(VLOOKUP(K66,TaxOffsetForLowIncomeTable,2,TRUE)+(K66-VLOOKUP(K66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K66,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(K66,TaxOffsetForLowIncomeTable,2,TRUE)+(K66-VLOOKUP(K66,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K66,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0}]
[null,null,"Net Income",null,{"$f":"E47-(IF(E50+E51>0,E50+E51,0))","v":0},null,{"$f":"G47-(IF(G50+G51>0,G50+G51,0))","v":0},null,{"$f":"I47-(IF(I50+I51>0,I50+I51,0))","v":0},null,{"$f":"K47-(IF(K50+K51>0,K50+K51,0))","v":0},null,null,null,null,{"$f":"(E52+G52+I52+K52)","v":0},"Total Net Annual Income"]
[]
[null,null,"Living Expenses (monthly)",null,null,null,"Other Commitments",null,null,null,"Per Month"]
[null,null,"Declared Living Expenses",null,null,null,"Rent/Board"]
[null,null,null,null,null,null,"Total Credit Card Limit",null,null,null,null,null,"3%:",{"$f":"K56*CreditCardCommitments","v":0}]
[null,null,null,null,null,null,"Personal Mortgage Repayments"]
[null,null,null,null,null,null,"Other Consumer Debt"]
[]
[null,null,"Is an Applicant",null,{"$f":"OR(E39<>\"\")","v":false},null,{"$f":"OR(G39<>\"\")","v":false},null,{"$f":"OR(I39<>\"\")","v":false},null,{"$f":"OR(K39<>\"\")","v":false}]
[null,null,"Spouse Dependants",null,{"$f":"IFERROR(HLOOKUP(E40,CREApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G40,CREApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I40,CREApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K40,CREApplicantDetailsTable,4,FALSE),0)","v":0}]
[null,null,"Pepper Status Code",null,{"$f":"IF(E$39=\"Individual (Couple)\",\"P-C\",IF(E$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(G$39=\"Individual (Couple)\",\"P-C\",IF(G$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(I$39=\"Individual (Couple)\",\"P-C\",IF(I$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(K$39=\"Individual (Couple)\",\"P-C\",IF(K$39=\"Individual (Single)\",\"P-S\",\"\"))","v":""}]
[null,null,"Pepper Dependents Code",null,{"$f":"IF(E$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$41+E$61),Validation!$A$21:$A$26,1)),IF(E$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$41+E$61),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(G$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$41+G$61),Validation!$A$21:$A$26,1)),IF(G$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$41+G$61),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(I$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$41+I$61),Validation!$A$21:$A$26,1)),IF(I$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$41+I$61),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(K$39=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$41+K$61),Validation!$A$21:$A$26,1)),IF(K$39=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$41+K$61),Validation!$A$21:$A$26,1)),\"\"))","v":""}]
[null,null,"Exclude for LE calc",null,{"$f":"IFERROR(IF(MATCH(E40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(G40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(I40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(K40,$E$38:$K$38,0)<(COLUMN()-COLUMN($E$38:$K$38)+1),TRUE,FALSE),FALSE)","v":false}]
[]
[null,null,"Total Taxable Income",null,{"$f":"MAX(E44+E46*RentalIncomeShading-E49*WorkingsForNegativeGearing,0)","v":0},null,{"$f":"MAX(G44+G46*RentalIncomeShading-G49*WorkingsForNegativeGearing,0)","v":0},null,0,null,0,null,null,null,null,{"$f":"(E66+G66+I66+K66)","v":0},"Total Taxable Income"]
[null,null,"Spouse Income",null,{"$f":"IFERROR(HLOOKUP(E40,CREApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G40,CREApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I40,CREApplicantDetailsTable,7,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K40,CREApplicantDetailsTable,7,FALSE),0)","v":0}]
[null,null,"Income Bracket",null,{"$f":"IFERROR(HLOOKUP(E44+E67,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(G44+G67,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(I44+I67,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":"IFERROR(HLOOKUP(K44+K67,HemCombinedIncomeRange,3,TRUE),1)","v":1}]
[null,null,"HEM Living Expense",null,{"$f":"IFERROR(IF(AND(E60,NOT(E64)),(VLOOKUP(E62,HemTableForExpenses,E68+1,FALSE) +(VLOOKUP(E63,HemTableForExpenses,E68+1,FALSE))*(E41+E61))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(G60,NOT(G64)),(VLOOKUP(G62,HemTableForExpenses,G68+1,FALSE) +(VLOOKUP(G63,HemTableForExpenses,G68+1,FALSE))*(G41+G61))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(I60,NOT(I64)),(VLOOKUP(I62,HemTableForExpenses,I68+1,FALSE) +(VLOOKUP(I63,HemTableForExpenses,I68+1,FALSE))*(I41+I61))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(K60,NOT(K64)),(VLOOKUP(K62,HemTableForExpenses,K68+1,FALSE) +(VLOOKUP(K63,HemTableForExpenses,K68+1,FALSE))*(K41+K61))*NumberOfWeeksInAYear,0),0)","v":0},null,null,null,null,{"$f":"(E69+G69+I69+K69)","v":0},"HEM Living Expense"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"E55*NumberOfMonthsInAYear","v":0},"Customer Nominated Living Expenses"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(P69,P70)","v":0},"Used Living Expenses"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"K55*NumberOfMonthsInAYear","v":0},"Personal rent"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(K57*OtherMortgageRepaymentBuffer+K58+N56)*NumberOfMonthsInAYear","v":0},"Personal Debt"]
[]
[]
[]
[]
[null,null,"Results"]
[]
[]
[null,null,"Business income (EBITDA + net personal contribution)",null,{"$f":"E33+P52-P71-P72-P73","v":0},null,"Interest Expenses",null,{"$f":"(E8*I8)+(E18*G18)+(E19*G19)+(E20*G20)+(E21*G21)","v":0}]
[null,null,null,null,null,null,"Debt Repayments",null,{"$f":"((SUM(I18:I21)+MAX(I11:I12))*12)","v":0}]
[]
[]
[null,null,null,null,null,null,"Interest Coverage Ratio (ICR):",null,{"$f":"IFERROR(E81/I81,0)","v":0},null,{"$f":"IF(CRECheckForCompleteness=\"INCOMPLETE\",\"INCOMPLETE\",IF(E9=FullDoc,IF(I85>=MinimumICRFullDoc,\"PASS\",\"FAIL\"),IF(E9=AltDoc,IF(I85>=MinimumICRAltDoc,\"PASS\",\"FAIL\"),IF(E9=LeaseDoc,IF(I85>=MinimumICRLeaseDoc,\"PASS\",\"FAIL\")))))","v":"INCOMPLETE"}]
[null,null,null,null,null,null,"Debt Service Coverage Ratio (DSCR):",null,{"$f":"IFERROR(E81/I82,0)","v":0},null,{"$f":"IF(I89=\"INCOMPLETE\",\"INCOMPLETE\",IF(E9=FullDoc,IF(I86>=MinimumDSCRFullDoc,\"PASS\",\"FAIL\"),IF(E9=AltDoc,IF(I86>=MinimumDSCRAltDoc,\"PASS\",\"FAIL\"),IF(E9=LeaseDoc,IF(I86>=MinimumDSCRLeaseDoc,\"PASS\",\"FAIL\")))))","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,null,null,"Application Status"]
[null,null,null,null,null,null,null,null,{"$f":"IF(OR(E8=\"\",I8=\"\",E9=\"\",I9=\"\",I9<I10),\"INCOMPLETE\",\"COMPLETE\")","v":"INCOMPLETE"}]

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[]
[null,null,"Serviceability Calculator"]
[null,null,"Version 5.6 (17 September 2020)"]
[]
[]
[null,null,"Applicant Name"]
[]
[null,null,"Loan Details"]
[]
[null,null,"New Loan Amount",null,null,null,"Interest Rate",5,null,null,"Assessment Rate",null,null,null,{"$f":"MAX(BaselineAssessmentRate,I10+AssessmentLoading)","v":5.5E-2}]
[null,null,"(including capitalised fees)",null,null,null,"Loan Term",null,null,null,{"$f":"IF(I11>MaximumLoanTermInYearsForPrimeLoans, \"Loans Terms > \" & MaximumLoanTermInYearsForPrimeLoans & \" years not available on Prime\", \" \")","v":" "}]
[null,null,null,null,null,null,"I/O Term"]
[]
[null,null,"Applicant Details:",null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Applicant 5",null,"Applicant 6",null,null,"Total"]
[null,null,"Status"]
[null,null,"Individual (Couple) With","Applicant 1"]
[null,null,"Dependants"]
[null,null,null,null,{"$f":"IF(AND(SUM(E19:E23,E25:E26)<>0,E15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(G19:G23,G25:G26)<>0,G15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(I19:I23,I25:I26)<>0,I15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(K19:K23,K25:K26)<>0,K15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(M19:M23,M25:M26)<>0,M15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(O19:O23,O25:O26)<>0,O15=\"\"),\"Enter a Status\",\"\")","v":""}]
[null,null,"Gross Annual Income"]
[" ",null,"Untaxed Allowable Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E20+G20+I20+K20+M20+O20)","v":0}]
[null,null,"Self Employed Income"]
[null,null,"Addbacks"]
[null,null,"Business NPBT"]
[]
[null,null,"Gross Rental Income"]
[null,null,"Investment Property Loan Balance"]
[null,null,"Total Income",null,{"$f":"E25*RentalIncomeShading+E19+E20+E21+E22+E23","v":0},null,{"$f":"G25*RentalIncomeShading+G19+G20+G21+G22+G23","v":0},null,{"$f":"I25*RentalIncomeShading+I19+I20+I21+I22+I23","v":0},null,{"$f":"K25*RentalIncomeShading+K19+K20+K21+K22+K23","v":0},null,{"$f":"M25*RentalIncomeShading+M19+M20+M21+M22+M23","v":0},null,{"$f":"O25*RentalIncomeShading+O19+O20+O21+O22+O23","v":0},null,null,{"$f":"(E27+G27+I27+K27+M27+O27)","v":0}]
[null,null,"Is an Applicant",null,{"$f":"AND(E15<>\"\")","v":false},null,{"$f":"AND(G15<>\"\")","v":false},null,{"$f":"AND(I15<>\"\")","v":false},null,{"$f":"AND(K15<>\"\")","v":false},null,{"$f":"AND(M15<>\"\")","v":false},null,{"$f":"AND(O15<>\"\")","v":false}]
[null,null,"Spouse Dependants",null,{"$f":"IFERROR(HLOOKUP(E16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O16,ResiApplicantDetailsTable,4,FALSE),0)","v":0}]
[null,null,"Pepper Status Code","Applicant 1",{"$f":"IF(E$15=\"Individual (Couple)\",\"P-C\",IF(E$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(G$15=\"Individual (Couple)\",\"P-C\",IF(G$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(I$15=\"Individual (Couple)\",\"P-C\",IF(I$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(K$15=\"Individual (Couple)\",\"P-C\",IF(K$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(M$15=\"Individual (Couple)\",\"P-C\",IF(M$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(O$15=\"Individual (Couple)\",\"P-C\",IF(O$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""}]
[null,null,"Pepper Dependents Code",null,{"$f":"IF(E$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$17+E$29),Validation!$A$21:$A$26,1)),IF(E$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$17+E$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(G$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$17+G$29),Validation!$A$21:$A$26,1)),IF(G$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$17+G$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(I$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$17+I$29),Validation!$A$21:$A$26,1)),IF(I$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$17+I$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(K$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$17+K$29),Validation!$A$21:$A$26,1)),IF(K$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$17+K$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(M$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((M$17+M$29),Validation!$A$21:$A$26,1)),IF(M$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((M$17+M$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(O$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((O$17+O$29),Validation!$A$21:$A$26,1)),IF(O$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((O$17+O$29),Validation!$A$21:$A$26,1)),\"\"))","v":""}]
[null,null,"Exclude for LE calc",null,{"$f":"IFERROR(IF(MATCH(E16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(G16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(I16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(K16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(M16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(O16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false}]
[null,null,"Workings for Negative Gearing",null,{"$f":"IF(E26>0,E26*WorkingsForNegativeGearing+($G$51*12*(E26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0)","v":0},null,{"$f":"IF(G26>0,G26*WorkingsForNegativeGearing+($G$51*12*(G26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0)","v":0},null,{"$f":"IF(I26>0,I26*WorkingsForNegativeGearing+($G$51*12*(I26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0)","v":0},null,{"$f":"IF(K26>0,K26*WorkingsForNegativeGearing+($G$51*12*(K26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0)","v":0},null,{"$f":"IF(M26>0,M26*WorkingsForNegativeGearing+($G$51*12*(M26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0)","v":0},null,{"$f":"IF(O26>0,O26*WorkingsForNegativeGearing+($G$51*12*(O26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0)","v":0}]
[null,null,"Total Taxable Income Exc Business NPBT",null,{"$f":"MAX(0,E19+E25*RentalIncomeShading-E33+E21)","v":0},null,{"$f":"MAX(0,G19+G25*RentalIncomeShading-G33+G21)","v":0},null,{"$f":"MAX(0,I19+I25*RentalIncomeShading-I33+I21)","v":0},null,{"$f":"MAX(0,K19+K25*RentalIncomeShading-K33+K21)","v":0},null,{"$f":"MAX(0,M19+M25*RentalIncomeShading-M33+M21)","v":0},null,{"$f":"MAX(0,O19+O25*RentalIncomeShading-O33+O21)","v":0},null,null,{"$f":"(E34+G34+I34+K34+M34+O34)","v":0}]
[null,null,"Spouse Income",null,{"$f":"IFERROR(HLOOKUP(E16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(E16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(G16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(I16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(K16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(M16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(O16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0}]
[null,null,"Income Bracket",null,{"$f":" IFERROR(HLOOKUP(E27+E35-E33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(G27+G35-G33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(I27+I35-I33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(K27+K35-K33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(M27+M35-M33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(O27+O35-O33,HemCombinedIncomeRange,3,TRUE),1)","v":1}]
[null,null,"Tax",null,{"$f":"IF(E15=\"Company\",E34*CompanyTax,INDEX(TaxForBracket,MATCH(E34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(E34,TaxBracketMin,1))*(E34-INDEX(TaxBracketMin,MATCH(E34,TaxBracketMin,1)))+IF(E34<='Tax Table'!$B$6,0,IF(E34<='Tax Table'!$B$7,(E34-'Tax Table'!$B$6)*'Tax Table'!$C$6,E34*'Tax Table'!$C$7)))+(E23*CompanyTax)","v":0},null,{"$f":"IF(G15=\"Company\",G34*CompanyTax,INDEX(TaxForBracket,MATCH(G34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(G34,TaxBracketMin,1))*(G34-INDEX(TaxBracketMin,MATCH(G34,TaxBracketMin,1)))+IF(G34<='Tax Table'!$B$6,0,IF(G34<='Tax Table'!$B$7,(G34-'Tax Table'!$B$6)*'Tax Table'!$C$6,G34*'Tax Table'!$C$7)))+(G23*CompanyTax)","v":0},null,{"$f":"IF(I15=\"Company\",I34*CompanyTax,INDEX(TaxForBracket,MATCH(I34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(I34,TaxBracketMin,1))*(I34-INDEX(TaxBracketMin,MATCH(I34,TaxBracketMin,1)))+IF(I34<='Tax Table'!$B$6,0,IF(I34<='Tax Table'!$B$7,(I34-'Tax Table'!$B$6)*'Tax Table'!$C$6,I34*'Tax Table'!$C$7)))+(I23*CompanyTax)","v":0},null,{"$f":"IF(K15=\"Company\",K34*CompanyTax,INDEX(TaxForBracket,MATCH(K34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(K34,TaxBracketMin,1))*(K34-INDEX(TaxBracketMin,MATCH(K34,TaxBracketMin,1)))+IF(K34<='Tax Table'!$B$6,0,IF(K34<='Tax Table'!$B$7,(K34-'Tax Table'!$B$6)*'Tax Table'!$C$6,K34*'Tax Table'!$C$7)))+(K23*CompanyTax)","v":0},null,{"$f":"IF(M15=\"Company\",M34*CompanyTax,INDEX(TaxForBracket,MATCH(M34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(M34,TaxBracketMin,1))*(M34-INDEX(TaxBracketMin,MATCH(M34,TaxBracketMin,1)))+IF(M34<='Tax Table'!$B$6,0,IF(M34<='Tax Table'!$B$7,(M34-'Tax Table'!$B$6)*'Tax Table'!$C$6,M34*'Tax Table'!$C$7)))+(M23*CompanyTax)","v":0},null,{"$f":"IF(O15=\"Company\",O34*CompanyTax,INDEX(TaxForBracket,MATCH(O34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(O34,TaxBracketMin,1))*(O34-INDEX(TaxBracketMin,MATCH(O34,TaxBracketMin,1)))+IF(O34<='Tax Table'!$B$6,0,IF(O34<='Tax Table'!$B$7,(O34-'Tax Table'!$B$6)*'Tax Table'!$C$6,O34*'Tax Table'!$C$7)))+(O23*CompanyTax)","v":0}]
[null,null,"Tax offset for Low Income Earners",null,{"$f":"0-(IF(E15=\"Company\",0,MIN(E37,IF(OR(E34<=0,E34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(E34>TaxOffsetIncomeThreshholds,((E34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(E15=\"Company\",E34=\"\",E34=0),0,IF(VLOOKUP(E34,TaxOffsetForLowIncomeTable,2,TRUE)+(E34-VLOOKUP(E34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(E34,TaxOffsetForLowIncomeTable,2,TRUE)+(E34-VLOOKUP(E34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(G15=\"Company\",0,MIN(G37,IF(OR(G34<=0,G34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(G34>TaxOffsetIncomeThreshholds,((G34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(G15=\"Company\",G34=\"\",G34=0),0,IF(VLOOKUP(G34,TaxOffsetForLowIncomeTable,2,TRUE)+(G34-VLOOKUP(G34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(G34,TaxOffsetForLowIncomeTable,2,TRUE)+(G34-VLOOKUP(G34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(I15=\"Company\",0,MIN(I37,IF(OR(I34<=0,I34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(I34>TaxOffsetIncomeThreshholds,((I34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(I15=\"Company\",I34=\"\",I34=0),0,IF(VLOOKUP(I34,TaxOffsetForLowIncomeTable,2,TRUE)+(I34-VLOOKUP(I34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(I34,TaxOffsetForLowIncomeTable,2,TRUE)+(I34-VLOOKUP(I34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(K15=\"Company\",0,MIN(K37,IF(OR(K34<=0,K34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(K34>TaxOffsetIncomeThreshholds,((K34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(K15=\"Company\",K34=\"\",K34=0),0,IF(VLOOKUP(K34,TaxOffsetForLowIncomeTable,2,TRUE)+(K34-VLOOKUP(K34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(K34,TaxOffsetForLowIncomeTable,2,TRUE)+(K34-VLOOKUP(K34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(M15=\"Company\",0,MIN(M37,IF(OR(M34<=0,M34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(M34>TaxOffsetIncomeThreshholds,((M34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(M15=\"Company\",M34=\"\",M34=0),0,IF(VLOOKUP(M34,TaxOffsetForLowIncomeTable,2,TRUE)+(M34-VLOOKUP(M34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(M34,TaxOffsetForLowIncomeTable,2,TRUE)+(M34-VLOOKUP(M34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(O15=\"Company\",0,MIN(O37,IF(OR(O34<=0,O34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(O34>TaxOffsetIncomeThreshholds,((O34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(O15=\"Company\",O34=\"\",O34=0),0,IF(VLOOKUP(O34,TaxOffsetForLowIncomeTable,2,TRUE)+(O34-VLOOKUP(O34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(O34,TaxOffsetForLowIncomeTable,2,TRUE)+(O34-VLOOKUP(O34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0}]
[null,null,"Net",null,{"$f":"E27-(IF(E37+E38>0,E37+E38,0))","v":0},null,{"$f":"G27-(IF(G37+G38>0,G37+G38,0))","v":0},null,{"$f":"I27-(IF(I37+I38>0,I37+I38,0))","v":0},null,{"$f":"K27-(IF(K37+K38>0,K37+K38,0))","v":0},null,{"$f":"M27-(IF(M37+M38>0,M37+M38,0))","v":0},null,{"$f":"O27-(IF(O37+O38>0,O37+O38,0))","v":0},null,null,{"$f":"(E39+G39+I39+K39+M39+O39)","v":0}]
[null,null,"HEM Living Expense",null,{"$f":"IFERROR(IF(AND(E28,NOT(E32)),(VLOOKUP(E30,HemTableForExpenses,E36+1,FALSE) +(VLOOKUP(E31,HemTableForExpenses,E36+1,FALSE))*(E17+E29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(G28,NOT(G32)),(VLOOKUP(G30,HemTableForExpenses,G36+1,FALSE) +(VLOOKUP(G31,HemTableForExpenses,G36+1,FALSE))*(G17+G29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(I28,NOT(I32)),(VLOOKUP(I30,HemTableForExpenses,I36+1,FALSE) +(VLOOKUP(I31,HemTableForExpenses,I36+1,FALSE))*(I17+I29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(K28,NOT(K32)),(VLOOKUP(K30,HemTableForExpenses,K36+1,FALSE) +(VLOOKUP(K31,HemTableForExpenses,K36+1,FALSE))*(K17+K29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(M28,NOT(M32)),(VLOOKUP(M30,HemTableForExpenses,M36+1,FALSE) +(VLOOKUP(M31,HemTableForExpenses,M36+1,FALSE))*(M17+M29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(O28,NOT(O32)),(VLOOKUP(O30,HemTableForExpenses,O36+1,FALSE) +(VLOOKUP(O31,HemTableForExpenses,O36+1,FALSE))*(O17+O29))*NumberOfWeeksInAYear,0),0)","v":0},null,null,0]
[null,null,null,null,null,null,null,null,null,null,"Customer Nominated Living Expenses",null,null,null,null,null,null,{"$f":"SUM(G50:G62)*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Living Expense Used",null,null,null,null,{"$f":"MAX(R40:R41)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Net Available Income",null,null,null,null,{"$f":"R39-R42","v":0}]
[]
[]
[]
[null,null,"Commitments"]
[]
[null,null,"Living Expenses:",null,null,null,"Per Month",null,"Other Commitments:",null,null,null,"Per Month"]
[null,null,"Owner occupied property utilities, rates & costs",null,null,null,null,null,"Rent/Board"]
[null,null,"Investment property utilities, rates & costs",null,null,null,null,null,"Total Credit Card Limit",null,null,null,null,null,{"$f":"TEXT(CreditCardCommitments,\"0.00%\")&\": \"&M51*CreditCardCommitments","v":"3.82%: 0"},null,null,{"$f":"M51*CreditCardCommitments","v":0}]
[null,null,"Rented property costs",null,null,null,null,null,"Other Mortgage Repayments"]
[null,null,"Telephone, Internet, Pay TV & Media Streaming",null,null,null,null,null,"Other Liabilities"]
[null,null,"Groceries"]
[null,null,"Recreation & Entertainment"]
[null,null,"Clothing & Personal Care"]
[null,null,"Medical & Health"]
[null,null,"Transport",null,null,null,null,null,null,null,"To assist in verifying the customers living expenses, please provide last 3 months transaction bank statements"]
[null,null,"Insurance"]
[null,null,"Other Living Expenses"]
[null,null,"Education"]
[null,null,"Childcare"]
[]
[]
[null,null,"Results"]
[]
[null,null,"Actual Rate:",null,"Monthly",null,"Annual",null,"Assessment Rate:",null,null,null,"Monthly",null,"Annual"]
[null,null,"Total Income",null,{"$f":"G68/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$27","v":0},null,null,null,"Total Income",null,{"$f":"O68/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$27","v":0}]
[null,null,"Net Income",null,{"$f":"G69/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$39","v":0},null,null,null,"Net Income",null,{"$f":"R39/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$39","v":0}]
[null,null,"Living Costs",null,{"$f":"G70/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$42","v":0},null,null,null,"Living Costs",null,{"$f":"O70/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$42","v":0}]
[null,null,"Net Available Income",null,{"$f":"IFERROR(G71/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$G$69-$G$70","v":0},null,null,null,"Net Available Income",null,{"$f":"IFERROR(O71/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$O$69-$O$70","v":0}]
[null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(ResiInterestRate/NumberOfMonthsInAYear,(ResiLoanTerm-ResiLoanIOTerm)*NumberOfMonthsInAYear,ResiNewLoanAmount),0)","v":0},null,{"$f":"E72*NumberOfMonthsInAYear","v":0},null,null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(AssessmentRate/NumberOfMonthsInAYear,(ResiLoanTerm-ResiLoanIOTerm)*NumberOfMonthsInAYear,E10),0)","v":0},null,{"$f":"M72*NumberOfMonthsInAYear","v":0}]
[null,null,"Other Commitments",null,{"$f":"IFERROR(G73/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"O73","v":0},null,null,null,"Other Commitments",null,{"$f":"IFERROR(O73/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"($M$52*OtherMortgageRepaymentBuffer+$M$53+$R$51+$M$50)*NumberOfMonthsInAYear","v":0}]
[]
[null,null,"NSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(G71/(G72+G73),2),0))","v":0},null,{"$f":"IF(OR(ResiCheckForCompleteness=\"INCOMPLETE\",ResiTotalIncome=0),\"INCOMPLETE\",IF(AND(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),ResiActualNSR>=AcceptableNSRForGovernmentIncome,TRUE),(ResiActualNSR>=AcceptableNSRForAllOtherApplicants)),\"PASS\",\"FAIL\"))","v":"INCOMPLETE"},null,null,null,"NSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(O71/(O72+O73),2),0))","v":0},null,{"$f":"IF(OR(ResiCheckForCompleteness=\"INCOMPLETE\",ResiTotalIncome=0),\"INCOMPLETE\",IF(AND(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),ResiAssessmentNSR>=AcceptableNSRForGovernmentIncome,TRUE),(ResiAssessmentNSR>=AcceptableNSRForAllOtherApplicants)),\"PASS\",\"FAIL\"))","v":"INCOMPLETE"}]
[null,null,"DSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",\"-\",IFERROR((G72+G73-(M50*12))/R27,\"-\"))","v":"-"},null,null,null,null,null,"DSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",\"-\",IFERROR((O72 +O73-(M50*12))/R27,\"-\"))","v":"-"}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Application Status"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(ResiNewLoanAmount=\"\",ResiInterestRate=\"\",ResiLoanTerm=\"\",E15=\"\",R27=0,E18<>\"\",G18<>\"\",I18<>\"\",K18<>\"\",M18<>\"\",O18<>\"\",I11<=I12,G50=\"\",G51=\"\",G52=\"\",G53=\"\",G54=\"\",G55=\"\",G56=\"\",G57=\"\",G58=\"\",G59=\"\",G60=\"\",G61=\"\",G62=\"\"),\"INCOMPLETE\",\"COMPLETE\")","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,"Eligible Loan Amount",null,null,null,null,null,{"$f":"IF(O75=\"INCOMPLETE\",O75,MAX(0,IF(O75=\"PASS\",ResiNewLoanAmount,IFERROR(-PV(O10/12,(ResiLoanTerm-ResiLoanIOTerm)*12,ROUNDDOWN(((O71-(O73*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants))))/(NumberOfMonthsInAYear*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants)))),0),0),0))))","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,"Maximum Serviceable Loan Amount",null,null,null,null,null,{"$f":"IF(O75=\"INCOMPLETE\",O75,MAX(0,IFERROR(-PV(O10/12,(ResiLoanTerm-ResiLoanIOTerm)*12,ROUNDDOWN(((O71-(O73*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants))))/(NumberOfMonthsInAYear*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants)))),0),0),0)))","v":"INCOMPLETE"}]
[null,null,"Net Service Ratio (NSR) Requirements (using Assessment Rate)"]
[null,null,"All applicants: NSR must be ≥ 1.00",null,null,null,null,null,"Where LVR > 90%: NSR must be  ≥ 1.35"]
[null,null,"Applicants with majority income as Government Allowances (eg. Pensions, Family Tax Benefits): NSR must be ≥ 1.25"]
[]
[null,null,"Important Information:\nThis calculator is to be used as a guide only as to borrowing power based on the basic information provided. It is not an offer of credit or a quote.  Lending criteria, terms and conditions, fees and charges will apply should a borrower apply for credit.\nPepper Group Pty Limited ABN 55 094 317 665 Australian credit licence 286655"]

{"sheet":"SEIC","index":2,"n_rows":70,"n_cols":20,"rows_kept":70,"cut":false,"hidden":false,"merged":[[48,3,48,5],[43,3,43,5],[44,3,44,5],[45,3,45,5],[46,3,46,5],[47,3,47,5],[48,14,48,16],[47,14,47,16],[46,14,46,16],[43,14,43,16],[44,14,44,16],[45,14,45,16],[38,3,38,5],[35,3,35,5],[36,3,36,5],[37,3,37,5],[42,14,42,15],[55,3,55,5],[15,18,15,19],[34,14,34,16],[35,14,35,16],[15,7,15,8],[39,3,39,5],[40,3,40,5],[34,3,34,5],[42,3,42,5],[23,18,23,19],[36,14,36,16],[23,7,23,8],[37,14,37,16],[38,14,38,16],[39,14,39,16],[40,14,40,16]]}
[null,"Self-Employed Income Calculator"]
[]
[null,null,"Business 1",null,null,null,null,null,null,null,null,null,null,"Business 2"]
[]
[null,null,null,"Most\nRecent Year",null,"Previous Year",null,null,null,null,null,null,null,null,"Most\nRecent Year",null,"Previous Year"]
[null,null,"Financial year end date (DD/MM/YYYY)",null,null,null,null,null,null,null,null,null,null,"Financial year end date (DD/MM/YYYY)",null,42551]
[]
[null,null,"Gross Business Income",null,null,null,null,null,null,null,null,null,null,"Gross Business Income"]
[null,null," less expenses ",null,null,null,null,null,null,null,null,null,null," less expenses "]
[null,null," plus superannuation over 9.5%",null,null,null,null,null,null,null,null,null,null," plus superannuation over 9.5%"]
[]
[null,null,"plus depreciation",null,null,null,null,null,null,null,null,null,null,"plus depreciation"]
[null,null," plus interest / leasing charges",null,null,null,null,null,null,null,null,null,null," plus interest / leasing charges"]
[]
[null,null," less Ongoing Business Loan REPAYMENTS",null,null,null,null,null,null,null,null,null,null," less Ongoing Business Loan REPAYMENTS"]
[null,null,null,null,null,null,null,"Total Business Income",null,null,null,null,null,null,null,null,null,null,"Total Business Income"]
[null,null,"Director Wages:",null,null,null,null,"Most Recent Year","Previous Year",null,null,null,null,"Director Wages:",null,null,null,null,"Most Recent Year","Previous Year"]
[null,null,"Applicant 1",null,null,null,null,{"$f":"(D$8-D$9+D$10-D$15)*D26+D18","v":0},{"$f":"(F$8-F$9+F$10-D$15)*F26+F18","v":0},null,null,null,null,"Applicant 1",null,null,null,null,{"$f":"(O$8-O$9+O$10-O$15)*O26+O18","v":0},{"$f":"(Q$8-Q$9+Q$10-O$15)*Q26+Q18","v":0}]
[null,null,"Applicant 2",null,null,null,null,{"$f":"(D$8-D$9+D$10-D$15)*D27+D19","v":0},{"$f":"(F$8-F$9+F$10-D$15)*F27+F19","v":0},null,null,null,null,"Applicant 2",null,null,null,null,{"$f":"(O$8-O$9+O$10-O$15)*O27+O19","v":0},{"$f":"(Q$8-Q$9+Q$10-O$15)*Q27+Q19","v":0}]
[null,null,"Applicant 3",null,null,null,null,0,0,null,null,null,null,"Applicant 3",null,null,null,null,0,0]
[null,null,"Applicant 4",null,null,null,null,0,0,null,null,null,null,"Applicant 4",null,null,null,null,0,0]
[null,null,"Applicant 5",null,null,null,null,0,0,null,null,null,null,"Applicant 5",null,null,null,null,0,0]
[null,null,"Applicant 6",null,null,null,null,0,0,null,null,null,null,"Applicant 6",null,null,null,null,0,0]
[null,null,null,null,null,null,null,"Untaxed Addbacks",null,null,null,null,null,null,null,null,null,null,"Untaxed Addbacks"]
[null,null,"Applicant's Entitlement:",null,null,null,null,"Most Recent Year","Previous Year",null,null,null,null,"Applicant's Entitlement:",null,null,null,null,"Most Recent Year","Previous Year"]
[null,null,"Applicant 1",null,null,null,null,{"$f":"(D$13+D$12)*$D26","v":0},{"$f":"(F$13+F$12)*$F26","v":0},null,null,null,null,"Applicant 1",null,null,null,null,{"$f":"(O$13+O$12)*$O26","v":0},{"$f":"(Q$13+Q$12)*$Q26","v":0}]
[null,null,"Applicant 2",null,null,null,null,0,0,null,null,null,null,"Applicant 2",null,null,null,null,0,0]
[null,null,"Applicant 3",null,null,null,null,0,0,null,null,null,null,"Applicant 3",null,null,null,null,0,0]
[null,null,"Applicant 4",null,null,null,null,0,0,null,null,null,null,"Applicant 4",null,null,null,null,0,0]
[null,null,"Applicant 5",null,null,null,null,0,0,null,null,null,null,"Applicant 5",null,null,null,null,0,0]
[null,null,"Applicant 6",null,null,null,null,0,0,null,null,null,null,"Applicant 6",null,null,null,null,0,0]
[null,null,null,{"$f":"IF(SUM(D26:D31)>100%,\"Check: >100%\",\"\")","v":""},null,{"$f":"IF(SUM(F26:F31)>100%,\"Check\",\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(SUM(O26:O31)>100%,\"Check: >100%\",\"\")","v":""},null,{"$f":"IF(SUM(Q26:Q31)>100%,\"Check\",\"\")","v":""}]
[null,null,"Calculations: Business 1",null,null,null,null,null,null,null,null,null,null,"Calculations: Business 2"]
[]
[null,null,null,"Self-Employed Income",null,null,null,null,null,null,null,null,null,null,"Self-Employed Income"]
[null,null,"Applicant 1",{"$f":"IF(H18>I18,AVERAGE(H18,I18),H18)","v":0},null,null,null,null,null,null,null,null,null,"Applicant 1",{"$f":"IF(S18>T18,AVERAGE(S18,T18),S18)","v":0}]
[null,null,"Applicant 2",0,null,null,null,null,null,null,null,null,null,"Applicant 2",0]
[null,null,"Applicant 3",0,null,null,null,null,null,null,null,null,null,"Applicant 3",0]
[null,null,"Applicant 4",0,null,null,null,null,null,null,null,null,null,"Applicant 4",0]
[null,null,"Applicant 5",0,null,null,null,null,null,null,null,null,null,"Applicant 5",0]
[null,null,"Applicant 6",0,null,null,null,null,null,null,null,null,null,"Applicant 6",0]
[]
[null,null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,"Addbacks"]
[null,null,"Applicant 1",{"$f":"IF(H26>I26,AVERAGE(H26,I26),H26)","v":0},null,null,null,null,null,null,null,null,null,"Applicant 1",{"$f":"IF(S26>T26,AVERAGE(S26,T26),S26)","v":0}]
[null,null,"Applicant 2",0,null,null,null,null,null,null,null,null,null,"Applicant 2",0]
[null,null,"Applicant 3",0,null,null,null,null,null,null,null,null,null,"Applicant 3",0]
[null,null,"Applicant 4",0,null,null,null,null,null,null,null,null,null,"Applicant 4",0]
[null,null,"Applicant 5",0,null,null,null,null,null,null,null,null,null,"Applicant 5",0]
[null,null,"Applicant 6",0,null,null,null,null,null,null,null,null,null,"Applicant 6",0]
[]
[]
[]
[]
[null,null,"Outputs"]
[]
[null,null,null,"Self-Employed Income"]
[null,null,"Applicant 1",{"$f":"D36+O36","v":0}]
[null,null,"Applicant 2",0]
[null,null,"Applicant 3",0]
[null,null,"Applicant 4",0]
[null,null,"Applicant 5",0]
[null,null,"Applicant 6",0]
[]
[null,null,null,"Addbacks"]
[null,null,"Applicant 1",{"$f":"D44+O44","v":0}]
[null,null,"Applicant 2",0]
[null,null,"Applicant 3",0]
[null,null,"Applicant 4",0]
[null,null,"Applicant 5",0]
[null,null,"Applicant 6",0]

{"sheet":"HEM Table","index":3,"n_rows":62,"n_cols":19,"rows_kept":62,"cut":false,"hidden":true,"merged":[]}
["Combined Couple Gross Income",null,{"$f":"B2","v":0},{"$f":"C2","v":21000},{"$f":"D2","v":32000},43000,53000,64000,85000,107000,128000,150000,171000,214000,267000,321000,null,null,"Higher income band used as data not available for income band"]
["HEM 2020Q1",null,21000,32000,43000,53000,64000,85000,107000,128000,150000,171000,214000,267000,321000,999999999]
[null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14]
["Pepper - Proposed"]
["Single","P-S",{"$f":"C25","v":256.39287274614333},{"$f":"D25","v":271.12006845720077},283.32455054891437,306.21556028653123,343.63559033720861,393.72658460709704,462.92260103186658,513.90787523372956,609.14246020165365,629.45204259858667,683.54624341817328,785.98178098667279,912.88353667416504,958.28490279004347]
["Couple","P-C",{"$f":"D6","v":498.36077043466128},{"$f":"D20","v":498.36077043466128},510.51504982075238,533.3119383314812,570.57812390051197,620.46311980650933,689.3746173501919,740.15028206378474,834.99327026090089,855.21930356691041,909.09111124799506,1011.1053856806865,1137.4852940385636,1182.7000301166877]
["Single parent with 1 child  (per child)","P-SD1",{"$f":"D7","v":93.513980059706512},{"$f":"IF(D26-D25<0,0,D26-D25)","v":93.513980059706512},93.645698734461007,93.892753336514033,94.2966193259698,94.837243358125704,95.584022836679594,96.134317679892661,97.162170160757114,97.381306838533192,97.965183975547006,99.070677148982327,100.4403022449452,100.93032235434009]
["Single parent with 2 children  (per child)","P-SD2",89.718895764481942,{"$f":"IF(D27-D25<0,0,D27-D25)/2","v":89.718895764481942},89.773654159308109,89.876344727216207,90.044197567311386,90.268913378080583,90.579304880559761,90.808041960398555,91.235260594128363,91.326368588625996,91.569033063665529,92.028554889902637,92.59781208801644,92.801490409796259]
["Single parent with 3 children  (per child)","P-SD3",85.37439329409186,{"$f":"E9","v":85.37439329409186},{"$f":"IF(E28-E25<0,0,E28-E25)/3","v":85.37439329409186},85.30267080993832,85.185403431266977,85.028460053844242,84.811628857767218,84.651889645647884,84.353479812589782,84.289861501592895,84.120346494823636,83.799398575355823,83.401739277682125,83.259487030722653]
["Single parent with 4 or more children  (per child)","P-SD4+",85.37439329409186,85.37439329409186,{"$f":"IF(E28-E25<0,0,E28-E25)/3","v":85.37439329409186},85.30267080993832,85.185403431266977,85.028460053844242,84.811628857767218,84.651889645647884,84.353479812589782,84.289861501592895,84.120346494823636,83.799398575355823,83.401739277682125,83.259487030722653]
["Couple with 1 child (per child)","P-CD1",72.147956316546072,72.147956316546072,{"$f":"IF(E21-E20<0,0,E21-E20)","v":72.147956316546072},72.780008007578886,73.813241869667763,75.196351725036948,77.106976374761302,78.514712799546601,81.14436632604577,81.705090555655488,83.198747557645561,86.027211146285367,89.531192002097669,90.784766776623201]
["Couple with 2 children  (per child)","P-CD2",68.1004236200707,68.1004236200707,{"$f":"IF(E22-E20<0,0,E22-E20)/2","v":68.1004236200707},68.520977495757165,69.208466981655477,70.128773731912872,71.400029025689832,72.336762009061204,74.08640345655067,74.459544678422731,75.453385759284174,77.335372594533567,79.666838960037694,80.500944346191091]
["Couple with 3 children  (per child)","P-CD3",65.378054584555912,65.378054584555912,{"$f":"F13","v":65.378054584555912},{"$f":"IF(F23-F20<0,0,F23-F20)/3","v":65.378054584555912},65.602322302772265,65.902533161960108,66.31724220923752,66.622797091212234,67.19356171944041,67.315288293688965,67.639494969710768,68.25340995555284,69.013989239670764,69.286078480952867]
["Couple with 4 or more children  (per child)","P-CD4+",{"$f":"D14","v":65.378054584555912},{"$f":"E14","v":65.378054584555912},{"$f":"F14","v":65.378054584555912},{"$f":"IF(F23-F20<0,0,F23-F20)/3","v":65.378054584555912},65.602322302772265,65.902533161960108,66.31724220923752,66.622797091212234,67.19356171944041,67.315288293688965,67.639494969710768,68.25340995555284,69.013989239670764,69.286078480952867]
[]
[null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14]
[null,null,21000,21000,32000,43000,53000,64000,85000,107000,128000,150000,171000,214000,267000,321000]
[null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
["Australia",null,null,32000,43000,53000,64000,85000,107000,128000,150000,171000,214000,267000,321000,534000]
["Couple",null,0,498.36077043466128,510.51504982075238,533.3119383314812,570.57812390051197,620.46311980650933,689.3746173501919,740.15028206378474,834.99327026090089,855.21930356691041,909.09111124799506,1011.1053856806865,1137.4852940385636,1182.7000301166877]
["Couple with 1 child",null,0,0,582.66300613729845,606.09194633906009,644.39136577017973,695.65947153154627,766.4815937249532,818.66499486333134,916.13763658694666,936.9243941225659,992.28985880564062,1097.1325968269718,1227.0164860406612,1273.4847968933109]
["Couple with 2 children",null,0,0,646.71589706089378,670.35389332299553,708.99505786382292,760.72066727033507,832.17467540157156,884.82380608190715,983.16607717400223,1004.1383929237559,1059.9978827665634,1165.7761308697536,1296.8189719586389,1343.7019188090699]
["Couple with 3 or more children",null,0,0,0,729.44610208514894,767.38509080882875,818.17071929238966,888.32634397790446,940.01867333742143,1036.5739554192221,1057.1651684479773,1112.0095961571274,1215.865615547345,1344.5272617575758,1390.5582655595463]
[]
["Single person",null,256.39287274614333,271.12006845720077,283.32455054891437,306.21556028653123,343.63559033720861,393.72658460709704,462.92260103186658,513.90787523372956,609.14246020165365,629.45204259858667,683.54624341817328,785.98178098667279,912.88353667416504,958.28490279004347]
["Single parent with 1 child",null,0,364.63404851690728,376.97024928337538,400.10831362304526,437.93220966317841,488.56382796522274,558.50662386854617,610.04219291362222,706.30463036241076,726.83334943711986,781.51142739372028,885.05245813565512,1013.3238389191102,1059.2152251443836]
["Single parent with 2 children",null,0,450.55785998616466,462.87185886753059,485.96824974096364,523.72398547183138,574.2644113632582,644.0812107929861,695.52395915452666,791.61298138991037,812.10477977583867,866.68430954550433,970.03889076647806,1098.0791608501979,1143.887883609636]
["Single parent with 3 or more children",null,0,0,539.44773043118994,562.12357271634619,599.19180063100953,648.81196476862976,717.35748760516822,767.86354417067321,862.20289963942298,882.32162710336536,935.90728290264417,1037.3799767127402,1163.0887545072114,1208.0633638822114]
[]
[]
[]
[]
[]
[]
[]
["Comparison to prior Benchmark version"]
[]
["HEM 2019Q4"]
[]
[null,null,21000,21000,32000,43000,53000,64000,85000,107000,128000,150000,171000,214000,267000,321000]
[null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
["Australia",null,null,32000,43000,53000,64000,85000,107000,128000,150000,171000,214000,267000,321000,534000]
["Couple",null,0,490.42460214076772,504.52274338296104,525.42022079036133,562.93733291546039,610.99660241201582,683.95200742424424,737.6272975388116,825.89864980697212,859.43469377540157,901.84991798528938,1007.2733364087609,1142.8308947072612,1164.0210845614117]
["Couple with 1 child",null,0,0,581.21504882733245,602.14119916215338,639.70975029878514,687.83498875456064,760.89050345730277,814.63944014976732,903.03188876375748,936.61400271055641,979.08734919608332,1084.6555098578172,1220.399063430036,1241.6182531993743]
["Couple with 2 children",null,0,0,641.98643874816742,662.92116606923423,700.50513215704575,748.65013580092921,821.73565429877965,875.50657033552932,963.93532505652831,997.5312182583516,1040.0219922076135,1145.6334691004374,1281.4327203290202,1302.6606166564895]
["Couple with 3 or more children",null,0,0,0,721.77566615271564,759.18493629213754,807.10615730114148,879.85196276063948,933.37303107245577,1021.3907031296446,1054.830445852105,1097.1237825117162,1202.2443131012137,1337.4123824752444,1358.541687902446]
[]
["Single person",null,251.68348505132778,265.83648800005244,279.94118231714498,300.84838723729706,338.38290538129962,386.46452302975484,459.45386701686232,513.15406910761476,601.46647948414852,635.0181302636397,677.45306984850788,782.92549101249642,918.54605895300767,939.74606111229753]
["Single parent with 1 child",null,0,353.11088409167093,367.12976219051382,387.90976971280526,425.2159268730336,473.00504843704385,545.55031383761479,598.92380913056138,686.69892614182083,720.04645194672162,762.22318443602182,867.05395872257986,1001.8494799265078,1022.920466280724]
["Single parent with 2 children",null,0,448.01566824653077,462.13186160075031,483.05608807245932,520.62123937515969,568.74204686469943,641.79091502955771,695.53489691473078,783.91925849947256,817.49830001709938,859.96779792873963,965.52620686811508,1101.2573412562833,1122.4746643100902]
["Single parent with 3 or more children",null,0,0,558.23475529597351,579.29664024939905,617.10900878906239,665.54641488882214,739.07598407451928,793.17360276442298,882.13949819711524,915.93952824519238,958.68847656249989,1064.9414250300481,1201.5656174879807,1222.9226262019231]
[]
["CHANGE"]
["Couple",null,{"$f":"C20-C43","v":0},{"$f":"D20-D43","v":7.9361682938935587},5.992306437791342,7.8917175411198741,7.6407909850515807,9.4665173944935077,5.4226099259476541,2.5229845249731397,9.0946204539287692,-4.2153902084911579,7.2411932627056785,3.8320492719255981,-5.3456006686976707,18.678945555275959]
["Couple with 1 child",null,{"$f":"C21-C44","v":0},0,1.4479573099660001,3.9507471769067024,4.6816154713945934,7.8244827769856329,5.5910902676504293,4.0255547135640199,13.105747823189176,0.31039141200949416,13.202509609557296,12.477086969154698,6.6174226106252263,31.866543693936592]
["Couple with 2 children",null,{"$f":"C22-C45","v":0},0,4.729458312726365,7.4327272537612998,8.4899257067771714,12.070531469405864,10.439021102791912,9.3172357463778326,19.230752117473912,6.6071746654042727,19.975890558949914,20.142661769316192,15.386251629618755,41.041302152580329]
["Couple with 3 or more children",null,{"$f":"C23-C46","v":0},0,0,7.6704359324332927,8.2001545166912138,11.064561991248183,8.4743812172649768,6.6456422649656588,15.183252289577467,2.3347225958723357,14.88581364541119,13.621302446131267,7.1148792823314579,32.016577657100243]
[null,null,{"$f":"C24-C47","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0]
["Single person",null,{"$f":"C25-C48","v":4.7093876948155469},5.2835804571483322,3.3833682317693956,5.367173049234168,5.2526849559089897,7.2620615773421946,3.4687340150042587,0.75380612611479592,7.6759807175051264,-5.5660876650530327,6.0931735696653959,3.0562899741763658,-5.6625222788426299,18.53884167774595]
["Single parent with 1 child",null,{"$f":"C26-C49","v":0},11.523164425236359,9.8404870928615651,12.198543910240005,12.716282790144817,15.558779528178889,12.956310030931377,11.118383783060835,19.605704220589928,6.7868974903982462,19.288242957698458,17.998499413075251,11.474358992602447,36.294758863659581]
["Single parent with 2 children",null,{"$f":"C27-C50","v":0},2.5421917396338927,0.73999726678027855,2.912161668504325,3.1027460966716944,5.5223644985587725,2.2902957634283894,-1.0937760204114966E-2,7.6937228904378117,-5.3935202412607168,6.7165116167647056,4.5126838983629796,-3.1781804060854029,21.413219299545744]
["Single parent with 3 or more children",null,{"$f":"C28-C51","v":0},0,-18.787024864783575,-17.173067533052858,-17.917208158052858,-16.734450120192378,-21.718496469351066,-25.310058593749773,-19.936598557692264,-33.617901141827019,-22.781193659855717,-27.56144831730785,-38.476862980769283,-14.859262319711661]

{"sheet":"Validation","index":4,"n_rows":42,"n_cols":18,"rows_kept":42,"cut":false,"hidden":true,"merged":[]}
["Residential","Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Applicant 6",null,"CRE","Applicant 1","Applicant 2","Applicant 3","Applicant 4",null,null,"Valid Status Resi",null,"Valid Status CRE"]
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["Applicant 2",{"$f":"IF(AND(B$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(C$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(D$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(E$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(F$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(G$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A3)","v":false},null,"Applicant 2",{"$f":"IF(AND(J$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!E$39=\"Individual (Couple)\"),$I3)","v":false},{"$f":"IF(AND(K$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!G$39=\"Individual (Couple)\"),$I3)","v":false},{"$f":"IF(AND(L$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!I$39=\"Individual (Couple)\"),$I3)","v":false},{"$f":"IF(AND(M$1<>$I3,HLOOKUP($I3,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!K$39=\"Individual (Couple)\"),$I3)","v":false},null,null,"Individual (Single)",null,"Individual (Couple)"]
["Applicant 3",{"$f":"IF(AND(B$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(C$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(D$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(E$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(F$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(G$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A4)","v":false},null,"Applicant 3",{"$f":"IF(AND(J$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!E$39=\"Individual (Couple)\"),$I4)","v":false},{"$f":"IF(AND(K$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!G$39=\"Individual (Couple)\"),$I4)","v":false},{"$f":"IF(AND(L$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!I$39=\"Individual (Couple)\"),$I4)","v":false},{"$f":"IF(AND(M$1<>$I4,HLOOKUP($I4,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!K$39=\"Individual (Couple)\"),$I4)","v":false},null,null,"Individual (Couple)"]
["Applicant 4",{"$f":"IF(AND(B$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(C$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(D$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(E$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(F$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(G$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A5)","v":false},null,"Applicant 4",{"$f":"IF(AND(J$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!E$39=\"Individual (Couple)\"),$I5)","v":false},{"$f":"IF(AND(K$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!G$39=\"Individual (Couple)\"),$I5)","v":false},{"$f":"IF(AND(L$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!I$39=\"Individual (Couple)\"),$I5)","v":false},{"$f":"IF(AND(M$1<>$I5,HLOOKUP($I5,Commercial!$E$38:$K$39,2,FALSE)=\"Individual (Couple)\",Commercial!K$39=\"Individual (Couple)\"),$I5)","v":false}]
["Applicant 5",{"$f":"IF(AND(B$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(C$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(D$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(E$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(F$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(G$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A6)","v":false}]
["Applicant 6",{"$f":"IF(AND(B$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(C$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(D$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(E$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(F$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(G$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A7)","v":false}]
[]
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[null,{"$f":"IFERROR(INDEX(B$2:B$7,SMALL(IF(ISTEXT(B$2:B$7),ROW(B$1:B$6),\"\"), ROW(B6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(C$2:C$7,SMALL(IF(ISTEXT(C$2:C$7),ROW(C$1:C$6),\"\"), ROW(C6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(D$2:D$7,SMALL(IF(ISTEXT(D$2:D$7),ROW(D$1:D$6),\"\"), ROW(D6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(E$2:E$7,SMALL(IF(ISTEXT(E$2:E$7),ROW(E$1:E$6),\"\"), ROW(E6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(F$2:F$7,SMALL(IF(ISTEXT(F$2:F$7),ROW(F$1:F$6),\"\"), ROW(F6)-1)),\"-\")","v":"-"},{"$f":"IFERROR(INDEX(G$2:G$7,SMALL(IF(ISTEXT(G$2:G$7),ROW(G$1:G$6),\"\"), ROW(G6)-1)),\"-\")","v":"-"}]
[]
[]
[]
["Dependents Lookup"]
["Dependents","DependedntsCode"]
[0,1]
[1,1]
[2,2]
[3,3]
[4,"4+"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Don’t remove","Don’t remove"]
[]
["Servicability Calculator",null,null,null,null,null,null,null,"CRE"]
[null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Applicant 6",null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
["Status"]
["Individual (Couple) With"]

{"sheet":"Tax Table","index":5,"n_rows":20,"n_cols":9,"rows_kept":20,"cut":false,"hidden":true,"merged":[[3,0,3,2],[8,0,8,2],[3,4,3,5]]}
[]
[null,null,null,null,null,null,null,null,"This is the Tax Offset for Low income earners"]
[null,null,null,null,null,null,null,null,"https://www.ato.gov.au/individuals/income-and-deductions/offsets-and-rebates/low-income-earners/"]
["Medicare Levy 2017 - 2018",null,null,1,"Tax offset for Low income earners"]
["Threshold","Value","Rate",null,"Thresholds","Max Tax Offset"]
["Minimum for partial levy",21980,0.1,null,37000,445]
["Minimum for full levy",27475,0.02,null,66667]
[]
["Tax 2018-2019"]
["Tax Bracket Min","Tax For Bracket","Tax Rate",null,"Reduced By over 37000K",1.4999999999999999E-2]
[0,0,0]
[18200,0,0.19,2,"Tax offset for Low income earners"]
[37000,{"$f":"(A13-A12)*C12","v":3572},0.32500000000000001,null,"Thresholds","Tax Offset $","Tax Offset%"]
[90000,{"$f":"(A13-A12)*C12+(A14-A13)*C13","v":20797},0.37,null,0,200]
[180000,{"$f":"(A13-A12)*C12+(A14-A13)*C13+(A15-A14)*C14","v":54097},0.45,null,37000,200,0.03]
[999999999,{"$f":"B15","v":54097},0.45,null,48000,530]
[null,null,null,null,90000,530,-1.4999999999999999E-2]
[null,null,null,null,999999999,530]
[null,null,null,null,null,null,null,null,"This is the  Medicare levy reduction for low income earners"]
[null,null,null,null,null,null,null,null,"https://www.ato.gov.au/Individuals/Medicare-levy/Medicare-levy-reduction-for-low-income-earners/"]

{"sheet":"Inputs","index":6,"n_rows":44,"n_cols":4,"rows_kept":44,"cut":false,"hidden":true,"merged":[]}
["Inputs"]
[]
["Baseline Assessment Rate",5.5E-2]
[]
["Assessment Loading",2.5000000000000001E-2]
[]
["Credit Card Commitments",3.8199999999999998E-2]
[]
["Workings for Negative Gearing",3.6700000000000003E-2]
[]
["Other Mortgage Repayment Buffer",1.25]
[]
["Rental Income Shading",0.8]
[]
["Company Tax",0.26]
[]
["NumberOfWeeksInAYear",52]
["NumberOfMonthsInAYear",12]
[]
["Acceptable NSR For LVR > 90%",1.35]
["Acceptable NSR For Applicants with majority income as Government Allowances",1.25]
["Acceptable NSR for All other applicants",1]
[]
["Allowable Government Allowance over Total Income Limitation",0.5]
[]
[]
[]
[]
[]
[]
[]
["CRE"]
[null,"Full Doc","Alt Doc","Lease Doc"]
["Minimum ICR",1.4950000000000001,1.7450000000000001,1.7450000000000001]
["Minimum DSCR",1.2450000000000001,1.2450000000000001,1.2450000000000001]
[]
[]
["Residenital"]
["Minimum Loan Term in Years",10]
["Maximum Loan Term In years",40]
["Maximum Loan Term In Years For Prime Loans",30]
[]
["Minimum Interest Only Loan term in Years",0]
["Maximum Interest Only Loan term in Years",5]

{"sheet":"Data","index":7,"n_rows":2,"n_cols":143,"rows_kept":2,"cut":false,"hidden":true,"merged":[]}
["Loan Amount","Interest Rate","Assessment Rate","Loan Term","IO Term","Status 1","Status 2","Status 3","Status 4","Status 5","Status 6","Couple With 1","Couple With 2","Couple With 3","Couple With 4","Couple With 5","Couple With 6","Dependants 1","Dependants 2","Dependants 3","Dependants 4","Dependants 5","Dependants 6","Gross Annual Income 1","Gross Annual Income 2","Gross Annual Income 3","Gross Annual Income 4","Gross Annual Income 5","Gross Annual Income 6","Untaxed Income 1","Untaxed Income 2","Untaxed Income 3","Untaxed Income 4","Untaxed Income 5","Untaxed Income 6","SEIC 1","SEIC 2","SEIC 3","SEIC 4","SEIC 5","SEIC 6","Add Backs 1","Add Backs 2","Add Backs 3","Add Backs 4","Add Backs 5","Add Backs 6","NPBT 1","NPBT 2","NPBT 3","NPBT 4","NPBT 5","NPBT 6","Gross Rental Income 1","Gross Rental Income 2","Gross Rental Income 3","Gross Rental Income 4","Gross Rental Income 5","Gross Rental Income 6","Investment Property Loan Balance 1","Investment Property Loan Balance 2","Investment Property Loan Balance 3","Investment Property Loan Balance 4","Investment Property Loan Balance 5","Investment Property Loan Balance 6","Owner occupied property utilities, rates & costs","Investment property utilities, rates & costs","Rented property costs","Telephone, Internet, Pay TV & Media Streaming","Groceries","Recreation & Entertainment","Clothing & Personal Care","Medical & Health","Transport","Insurance","Other Living Expenses","Education","Childcare","Rent/Board","Total Credit Card Limit","Other Mortgage Repayments","Other Liabilities","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax Applicant 5","Tax Applicant 6","Net Income Applicant 1","Net Income Applicant 2","Net Income Applicant 3","Net Income Applicant 4","Net Income Applicant 5","Net Income Applicant 6","Net Income Total","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Applicant 5","Hem Living Expense Applicant 6","Hem Living Expense Total","Customer Nominated Living Expenses","Living Expense Used","Net Available Income","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - Living Costs","Actual Rate Monthly - Net Available Income","Actual Rate Monthly - Proposed Repayments","Actual Rate Monthly - Other Commitments","Actual Rate Annually Total Income","Actual Rate Annually - Net Income","Actual Rate Annually - Living Costs","Actual Rate Annually - Net Available Income","Actual Rate Annually - Proposed Repayments","Actual Rate Annually - Other Commitments","Assessment Rate Monthly Total Income","Assessment Rate Monthly - Net Income","Assessment Rate Monthly - Living Costs","Assessment Rate Monthly - Net Available Income","Assessment Rate Monthly - Proposed Repayments","Assessment Rate Monthly - Other Commitments","Assessment Rate Annually Total Income","Assessment Rate Annually - Net Income","Assessment Rate Annually - Living Costs","Assessment Rate Annually - Net Available Income","Assessment Rate Annually - Proposed Repayments","Assessment Rate Annually - Other Commitments","Actual NSR","Actual DSR","Actual Results","Assessment NSR","Assessment DSR","Assessment Results","Allowable Income"]
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{"sheet":"CommercialData","index":8,"n_rows":3,"n_cols":113,"rows_kept":3,"cut":false,"hidden":true,"merged":[]}
["Proposed Loan Details",null,null,null,null,"Business Loan Details",null,null,null,null,null,null,null,null,null,null,null,"Business Income / Expenses (Income)",null,null,"Business Income / Expenses (Add Backs)",null,null,null,null,"Personal Income / 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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs",null,null,null,null,null,null,"Results"]
["New Loan Amount","Interest Rate","Documentation Type","Loan Term (Years)","I/O Term (Years)","Loan Amount 1","Rate 1","Actual Loan Repayment (Monthly) 1","Loan Amount 2","Rate 2","Actual Loan Repayment (Monthly) 2","Loan Amount 3","Rate 3","Actual Loan Repayment (Monthly) 3","Loan Amount 4","Rate 4","Actual Loan Repayment (Monthly) 4","Net Profit Before Tax","Proposed Net CRE Rental Income","Proposed Gross Residential Rental Income","Depreciation","Ammortisation","Interest Paid","Directors Salaries/ Fees / Super","Other","Status Applicant 1","Status Applicant 2","Status Applicant 3","Status Applicant 4","Couple with  Applicant 1","Couple with  Applicant 2","Couple with  Applicant 3","Couple with  Applicant 4","Dependent Applicant 1","Dependent Applicant 2","Dependent Applicant 3","Dependent Applicant 4","Gross Annual Income Applicant 1","Gross Annual Income Applicant 2","Gross Annual Income Applicant 3","Gross Annual Income Applicant 4","Untaxed Allowable Income Applicant 1","Untaxed Allowable Income Applicant 2","Untaxed Allowable Income Applicant 3","Untaxed Allowable Income Applicant 4","Gross Residential Rental Income (Other) Applicant 1","Gross Residential Rental Income (Other) Applicant 2","Gross Residential Rental Income (Other) Applicant 3","Gross Residential Rental Income (Other) Applicant 4","Investment Property Loan Balance (personal name) Applicant 1","Investment Property Loan Balance (personal name) Applicant 2","Investment Property Loan Balance (personal name) Applicant 3","Investment Property Loan Balance (personal name) Applicant 4","Living Expenses Monthly (Declared Living Expenses)","Rent/Board","Total Credit Card Limit","Personal Mortgage Repayments","Other Consumer Debt","P&I Repayment","IO Repayment","Earning Before Interest, Tax, Depreciation & Ammortisation (EBITDA)"," Total Add Backs","Total Income Applicant 1","Total Income Applicant 2","Total Income Applicant 3","Total Income Applicant 4","Total Gross Annual Income of All Applicants","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax offset for Low Income Earners Applicant 1","Tax offset for Low Income Earners Applicant 2","Tax offset for Low Income Earners Applicant 3","Tax offset for Low Income Earners Applicant 4","Total Net Annual Income Applicant 1","Total Net Annual Income Applicant 2","Total Net Annual Income Applicant 3","Total Net Annual Income Applicant 4","Total Net Annual Income of All Applicants","Total Taxable Income Applicant 1","Total Taxable Income Applicant 2","Total Taxable Income Applicant 3","Total Taxable Income Applicant 4","Total Taxable Income For All Applicants","Spouse Income Applicant 1","Spouse Income Applicant 2","Spouse Income Applicant 3","Spouse Income Applicant 4","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Total","Customer Nominated Living Expenses","Used Living Expenses","Personal rent","Personal Debt","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Business income (EBITDA + net personal contribution)","Interest Expenses","Debt Repayments","Interest Coverage Ratio (ICR) %","Debt Service Coverage Ratio (DSCR) %","Interest Coverage Ratio (ICR) Flag","Debt Service Coverage Ratio (DSCR) Flag","Application Status Flag"]
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["Loan Amount","Interest Rate","Assesment Rate","Loan Term","IO Term","Status 1","Status 2","Status 3","Status 4","Status 5","Status 6","Couple With 1","Couple With 2","Couple With 3","Couple With 4","Couple With 5","Couple With 6","Dependants 1","Dependants 2","Dependants 3","Dependants 4","Dependants 5","Dependants 6","Gross Annual Income 1","Gross Annual Income 2","Gross Annual Income 3","Gross Annual Income 4","Gross Annual Income 5","Gross Annual Income 6","Untaxed Income 1","Untaxed Income 2","Untaxed Income 3","Untaxed Income 4","Untaxed Income 5","Untaxed Income 6","SEIC 1","SEIC 2","SEIC 3","SEIC 4","SEIC 5","SEIC 6","Add Backs 1","Add Backs 2","Add Backs 3","Add Backs 4","Add Backs 5","Add Backs 6","NPBT 1","NPBT 2","NPBT 3","NPBT 4","NPBT 5","NPBT 6","Gross Rental Income 1","Gross Rental Income 2","Gross Rental Income 3","Gross Rental Income 4","Gross Rental Income 5","Gross Rental Income 6","Investment Property Loan Balance 1","Investment Property Loan Balance 2","Investment Property Loan Balance 3","Investment Property Loan Balance 4","Investment Property Loan Balance 5","Investment Property Loan Balance 6","Owner occupied property utilities, rates & costs","Investment property utilities, rates & costs","Rented property costs","Telephone, Internet, Pay TV & Media Streaming","Groceries","Recreation & Entertainment","Clothing & Personal Care","Medical & Health","Transport","Insurance","Other Living Expenses","Education","Childcare","Rent/Board","Total Credit Card Limit","Other Mortgage Repayments","Other Liabilities","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax Applicant 5","Tax Applicant 6","Net Income Applicant 1","Net Income Applicant 2","Net Income Applicant 3","Net Income Applicant 4","Net Income Applicant 5","Net Income Applicant 6","Net Income Total","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Applicant 5","Hem Living Expense Applicant 6","Hem Living Expense Total","Customer Nominated Living Expenses","Living Expense Used","Net Available Income","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - Living Costs","Actual Rate Monthly - Net Available Income","Actual Rate Monthly - Proposed Repayments","Actual Rate Monthly - Other Commitments","Actual Rate Annually Total Income","Actual Rate Annually - Net Income","Actual Rate Annually - Living Costs","Actual Rate Annually - Net Available Income","Actual Rate Annually - Proposed Repayments","Actual Rate Annually - Other Commitments","Assessment Rate Monthly Total Income","Assessment Rate Monthly - Net Income","Assessment Rate Monthly - Living Costs","Assessment Rate Monthly - Net Available Income","Assessment Rate Monthly - Proposed Repayments","Assessment Rate Monthly - Other Commitments","Assessment Rate Annually Total Income","Assessment Rate Annually - Net Income","Assessment Rate Annually - Living Costs","Assessment Rate Annually - Net Available Income","Assessment Rate Annually - Proposed Repayments","Assessment Rate Annually - Other Commitments","Actual NSR","Actual DSR","Actual Results","Assessment NSR","Assessment DSR","Assessment Results","Allowable Income","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax Applicant 5","Tax Applicant 6","Net Income Applicant 1","Net Income Applicant 2","Net Income Applicant 3","Net Income Applicant 4","Net Income Applicant 5","Net Income Applicant 6","Net Income Total","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Applicant 5","Hem Living Expense Applicant 6","Hem Living Expense Total","Customer Nominated Living Expenses","Living Expense Used","Net Available Income","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Actual Rate Monthly Total Income","Actual Rate Monthly - 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Living Costs V5.5","Assessment Rate Monthly - Living Costs (NEW)","LE Diff","Scenario Checked","Diff Calculated with ref to the HEM Table.",null,null,"Baseline Assessment Rate","Baseline Assessment Rate","Outcome"]
[1000000,0.06,8.4999999999999992E-2,30,5,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,270000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,0,100000,0,0,0,0,0,300000,0,0,0,0,100,100,0,80,300,80,30,50,50,0,0,50,0,0,5000,1000,500,189447,14934.55,0,0,0,0,315553,65595.45,0,0,0,0,381148.45,69872.5,0,0,0,0,0,69872.5,10080,69872.5,311275.95,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,48750,31762.37,5822.71,25939.66,6443.01,1941,585000,381148.45,69872.5,311275.95,77316.17,23292,48750,31762.37,5822.71,25939.66,8052.27,1941,585000,381148.45,69872.5,311275.95,96627.25,23292,3.09,0.17197977466369405,"PASS",2.59,0.20499017096659103,"PASS",1000000,189447,14934.55,0,0,0,0,315553,65595.45,0,0,0,0,381148.45,69872.5,0,0,0,0,0,69872.5,10080,69872.5,311275.95,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,48750,31762.37,5822.71,25939.66,6443.01,1941,585000,381148.45,69872.5,311275.95,77316.17,23292,48750,31762.37,5822.71,25939.66,8052.27,1941,585000,381148.45,69872.5,311275.95,96627.25,23292,3.09,0.17197977466369405,"PASS",2.59,0.20499017096659103,"PASS",1000000,{"$f":"IF(AND(DI3=FR3,DJ3=FS3,DK3=FT3,DL3=FU3,DM3=FV3,DN3=FW3,DO3=FX3,DP3=FY3,DQ3=FZ3,DR3=GA3,DS3=GB3,DT3=GC3,DU3=GD3,DV3=GE3,DW3=GF3,DX3=GG3,DY3=GH3,DZ3=GI3,EA3=GJ3,EB3=GK3,EC3=GL3,ED3=GM3,EE3=GN3,EF3=GO3,EG3=GP3,EH3=GQ3,EI3=GR3,EJ3=GS3,EK3=GT3,EL3=GU3,EM3=GV3),\"Pass\",\"Fail\")","v":"Pass"},"Y",null,null,"Case 1","Devika",5644.86,5822.71,{"$f":"HD3-HC3","v":177.85000000000036},"Y",177.84,null,null,5.8500000000000003E-2,5.5E-2]
[1000000,0.06,8.4999999999999992E-2,25,0,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,260000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,5000,1000,500,158747,19147,0,0,0,0,236253,61383,0,0,0,0,297636,69872.5,0,0,0,0,0,69872.5,24000,69872.5,227763.5,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,39583.33,24803,5822.71,18980.29,6443.01,1941,475000,297636,69872.5,227763.5,77316.17,23292,39583.33,24803,5822.71,18980.29,8052.27,1941,475000,297636,69872.5,227763.5,96627.25,23292,2.2599999999999998,0.21180666984897059,"PASS",1.89,0.25246157897990684,"PASS",1000000,158747,19147,0,0,0,0,236253,61383,0,0,0,0,297636,69872.5,0,0,0,0,0,69872.5,24000,69872.5,227763.5,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,39583.33,24803,5822.71,18980.29,6443.01,1941,475000,297636,69872.5,227763.5,77316.17,23292,39583.33,24803,5822.71,18980.29,8052.27,1941,475000,297636,69872.5,227763.5,96627.25,23292,2.2599999999999998,0.21180666984897059,"PASS",1.89,0.25246157897990684,"PASS",1000000,{"$f":"IF(AND(DI4=FR4,DJ4=FS4,DK4=FT4,DL4=FU4,DM4=FV4,DN4=FW4,DO4=FX4,DP4=FY4,DQ4=FZ4,DR4=GA4,DS4=GB4,DT4=GC4,DU4=GD4,DV4=GE4,DW4=GF4,DX4=GG4,DY4=GH4,DZ4=GI4,EA4=GJ4,EB4=GK4,EC4=GL4,ED4=GM4,EE4=GN4,EF4=GO4,EG4=GP4,EH4=GQ4,EI4=GR4,EJ4=GS4,EK4=GT4,EL4=GU4,EM4=GV4),\"Pass\",\"Fail\")","v":"Pass"},null,null,null,"Case 2","Devika",5644.86,5822.71,{"$f":"HD4-HC4","v":177.85000000000036},"Y",177.84,null,null,5.8500000000000003E-2,5.5E-2]
[1000000,0.04,6.5000000000000002E-2,31,0,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,260000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,1000000,0,0,0,0,500,300,0,300,1200,1500,1200,500,400,500,0,500,0,0,5000,10000,500,158747,5243.5,0,0,0,0,236253,75442,0,0,0,0,311695,69872.5,0,0,0,0,0,69872.5,82800,82800,228895,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,39583.33,25974.58,6900,19074.580000000002,4694.71,13191,475000,311695,82800,228895,56336.57,158292,39583.33,25974.58,6900,19074.580000000002,6255.15,13191,475000,311695,82800,228895,75061.84,158292,1.06,0.45184961197873053,"PASS",0.98,0.49127124017500845,"FAIL",940504.53,158747,5243.5,0,0,0,0,236253,75442,0,0,0,0,311695,69872.5,0,0,0,0,0,69872.5,82800,82800,228895,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,39583.33,25974.58,6900,19074.580000000002,4694.71,13191,475000,311695,82800,228895,56336.57,158292,39583.33,25974.58,6900,19074.580000000002,6255.15,13191,475000,311695,82800,228895,75061.84,158292,1.06,0.45184961197873053,"PASS",0.98,0.49127124017500845,"FAIL",940504.53,"Pass",null,null,null,"Case 3","Devika",6900,6900,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2000000,0.05,7.5000000000000011E-2,25,1,"Individual (Single)","Individual (Couple)","Individual (Single)",null,null,null,null,"Non-loan Party",null,null,null,null,null,null,3,null,null,null,80000,100000,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,19147,26497,34297,0,0,0,61383,73883,85783,0,0,0,221049,20473.78,35847.480000000003,39928.9,0,0,0,96250.17,0,96250.17,124798.83,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,25000,18420.75,8020.85,10399.9,11937.95,0,300000,221049,96250.17,124798.83,143255.4,0,25000,18420.75,8020.85,10399.9,14992.1,0,300000,221049,96250.17,124798.83,179905.18,0,0.87,0.4775180097758896,"FAIL",0.69,0.59968392097038836,"FAIL",1387264.14,19147,26497,34297,0,0,0,61383,73883,85783,0,0,0,221049,20473.78,35847.480000000003,39928.9,0,0,0,96250.17,0,96250.17,124798.83,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,25000,18420.75,8020.85,10399.9,11937.95,0,300000,221049,96250.17,124798.83,143255.4,0,25000,18420.75,8020.85,10399.9,14992.1,0,300000,221049,96250.17,124798.83,179905.18,0,0.87,0.4775180097758896,"FAIL",0.69,0.59968392097038836,"FAIL",1387264.14,"Pass",null,null,null,"Case 4","Devika",8075.56,8020.85,-54.710000000000036,"Y",56.7,null,null,5.8500000000000003E-2,5.5E-2]
[1000000,0.04,6.5000000000000002E-2,25,0,"Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,null,18200,22000,30000,40000,95000,190000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,724,2842,5347,24547,62397,18200,21921,27803,35343,70908,127603,301778,13332.43,14098.24,14098.24,14732.88,24071.98,35544.400000000001,115878.17,0,115878.17,185899.83,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,32933.33,25148.17,9656.51,15491.65,5278.37,0,395200,301778,115878.17,185899.83,63340.42,0,32933.33,25148.17,9656.51,15491.65,6752.07,0,395200,301778,115878.17,185899.83,81024.86,0,2.93,0.16027434421997289,"PASS",2.29,0.20502241741325089,"PASS",1000000,0,724,2842,5347,24547,62397,18200,21921,27803,35343,70908,127603,301778,13332.43,14098.24,14098.24,14732.88,24071.98,35544.400000000001,115878.17,0,115878.17,185899.83,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,32933.33,25148.17,9656.51,15491.65,5278.37,0,395200,301778,115878.17,185899.83,63340.42,0,32933.33,25148.17,9656.51,15491.65,6752.07,0,395200,301778,115878.17,185899.83,81024.86,0,2.93,0.16027434421997289,"PASS",2.29,0.20502241741325089,"PASS",1000000,"Pass",null,null,null,"Case 5","Devika",9534.2199999999993,9656.51,122.29000000000087,"Y",122.3,null,null,5.8500000000000003E-2,5.5E-2]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,1,0,0,0,0,0,0,0,150000,0,0,0,0,75000,0,0,0,0,0,535000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,1,777651,0,32731.51,32264.080000000002,32264.080000000002,0,13332.43,110592.1,240000,240000,537651,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,82500.08,64804.25,20000,44804.25,15604.88,20660,990001,777651,240000,537651,187258.53,247920,82500.08,64804.25,20000,44804.25,20143.89,20660,990001,777651,240000,537651,241726.63,247920,1.23,0.43957383347021517,"PASS",1.0900000000000001,0.49459205719620725,"PASS",2500000,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,1,777651,0,32731.51,32264.080000000002,32264.080000000002,0,13332.43,110592.1,240000,240000,537651,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,82500.08,64804.25,20000,44804.25,15604.88,20660,990001,777651,240000,537651,187258.53,247920,82500.08,64804.25,20000,44804.25,20143.89,20660,990001,777651,240000,537651,241726.63,247920,1.23,0.43957383347021517,"PASS",1.0900000000000001,0.49459205719620725,"PASS",2500000,"Pass",null,null,null,"Case 6","Devika",20000,20000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,"Company","Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,1,0,0,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,300000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,78000,0,0,0,0,0,222000,30001,0,0,0,0,252001,0,14098.24,0,0,0,0,14098.24,0,14098.24,237902.76,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,27500.080000000002,21000.080000000002,1174.8499999999999,19825.23,11608.05,0,330001,252001,14098.24,237902.76,139296.62,0,27500.080000000002,21000.080000000002,1174.8499999999999,19825.23,14802.32,0,330001,252001,14098.24,237902.76,177627.89,0,1.7,0.42210969960880051,"PASS",1.33,0.5382646950934924,"PASS",2000000,78000,0,0,0,0,0,222000,30001,0,0,0,0,252001,0,14098.24,0,0,0,0,14098.24,0,14098.24,237902.76,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,27500.080000000002,21000.080000000002,1174.8499999999999,19825.23,11608.05,0,330001,252001,14098.24,237902.76,139296.62,0,27500.080000000002,21000.080000000002,1174.8499999999999,19825.23,14802.32,0,330001,252001,14098.24,237902.76,177627.89,0,1.7,0.42210969960880051,"PASS",1.33,0.5382646950934924,"PASS",2000000,"Pass",null,null,null,"Case 7","Devika",1151.96,1174.8499999999999,22.889999999999873,"Y",22.9,null,null,5.8500000000000003E-2,5.5E-2]
[350000,0.06,8.4999999999999992E-2,12,5,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","",3,2,"","","","",100000,80000,0,0,0,0,0,1,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,30000,500,0,26497,28447,0,0,0,0,73883,76859,0,0,0,0,150742,64859.01,0,0,0,0,0,64859.01,0,64859.01,85882.99,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,17083.419999999998,12561.83,5404.92,7156.92,5112.99,1771,205001,150742,64859.01,85882.99,61355.93,21252,17083.419999999998,12561.83,5404.92,7156.92,5542.77,1771,205001,150742,64859.01,85882.99,66513.240000000005,21252,1.03,0.40296354082116337,"PASS",0.97,0.42812102787786843,"FAIL",340037.57,26497,28447,0,0,0,0,73883,76859,0,0,0,0,150742,64859.01,0,0,0,0,0,64859.01,0,64859.01,85882.99,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,17083.419999999998,12561.83,5404.92,7156.92,5112.99,1771,205001,150742,64859.01,85882.99,61355.93,21252,17083.419999999998,12561.83,5404.92,7156.92,5542.77,1771,205001,150742,64859.01,85882.99,66513.240000000005,21252,1.03,0.40296354082116337,"PASS",0.97,0.42812102787786843,"FAIL",340037.57,"Pass",null,null,null,"Case 8","Devika",5318.33,5404.92,86.590000000000146,"Y",5404.92,"5 kids ",null,5.8500000000000003E-2,5.5E-2]
[350000,0.06,8.4999999999999992E-2,12,5,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","",3,2,"","","","",100000,80000,0,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,30000,500,0,26497,28447,0,0,0,0,73883,76858,0,0,0,0,150741,64859.01,0,0,0,0,0,64859.01,0,64859.01,85881.99,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,17083.330000000002,12561.75,5404.92,7156.83,5112.99,1771,205000,150741,64859.01,85881.99,61355.93,21252,17083.330000000002,12561.75,5404.92,7156.83,5542.77,1771,205000,150741,64859.01,85881.99,66513.240000000005,21252,1.03,0.40296550649697227,"PASS",0.97,0.42812311627312638,"FAIL",340037.57,26497,28447,0,0,0,0,73883,76858,0,0,0,0,150741,64859.01,0,0,0,0,0,64859.01,0,64859.01,85881.99,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,17083.330000000002,12561.75,5404.92,7156.83,5112.99,1771,205000,150741,64859.01,85881.99,61355.93,21252,17083.330000000002,12561.75,5404.92,7156.83,5542.77,1771,205000,150741,64859.01,85881.99,66513.240000000005,21252,1.03,0.40296550649697227,"PASS",0.97,0.42812311627312638,"FAIL",340037.57,"Pass",null,null,null,"Case 9","Devika",5318.33,5404.92,86.590000000000146,"Y",5404.92,null,null,5.8500000000000003E-2,5.5E-2]
[500000,7.0000000000000007E-2,9.5000000000000001E-2,20,3,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,150000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,0,0,0,0,0,0,4000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,52237,0,0,0,0,0,113763,0,0,0,0,0,113763,52215.199999999997,0,0,0,0,0,52215.199999999997,48000,52215.199999999997,61547.8,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13833.33,9480.25,4351.2700000000004,5128.9799999999996,4198.3,0,166000,113763,52215.199999999997,61547.8,50379.64,0,13833.33,9480.25,4351.2700000000004,5128.9799999999996,4948.8999999999996,0,166000,113763,52215.199999999997,61547.8,59386.84,0,1.22,0.30349180227473499,"PASS",1.03,0.35775204060820864,"PASS",500000,52237,0,0,0,0,0,113763,0,0,0,0,0,113763,52215.199999999997,0,0,0,0,0,52215.199999999997,48000,52215.199999999997,61547.8,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13833.33,9480.25,4351.2700000000004,5128.9799999999996,4198.3,0,166000,113763,52215.199999999997,61547.8,50379.64,0,13833.33,9480.25,4351.2700000000004,5128.9799999999996,4948.8999999999996,0,166000,113763,52215.199999999997,61547.8,59386.84,0,1.22,0.30349180227473499,"PASS",1.03,0.35775204060820864,"PASS",500000,"Pass",null,null,null,"Case 10","Devika",4322.6400000000003,4351.2700000000004,28.630000000000109,"Y",28.64,null,null,5.8500000000000003E-2,5.5E-2]
[500000,7.0000000000000007E-2,9.5000000000000001E-2,20,3,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,150000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,100000,0,0,0,0,0,4000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50805.7,0,0,0,0,0,115194.3,0,0,0,0,0,115194.3,52215.199999999997,0,0,0,0,0,52215.199999999997,48000,52215.199999999997,62979.1,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13833.33,9599.5300000000007,4351.2700000000004,5248.26,4198.3,0,166000,115194.3,52215.199999999997,62979.1,50379.64,0,13833.33,9599.5300000000007,4351.2700000000004,5248.26,4948.8999999999996,0,166000,115194.3,52215.199999999997,62979.1,59386.84,0,1.25,0.30349180227473499,"PASS",1.06,0.35775204060820864,"PASS",500000,50805.7,0,0,0,0,0,115194.3,0,0,0,0,0,115194.3,52215.199999999997,0,0,0,0,0,52215.199999999997,48000,52215.199999999997,62979.1,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13833.33,9599.5300000000007,4351.2700000000004,5248.26,4198.3,0,166000,115194.3,52215.199999999997,62979.1,50379.64,0,13833.33,9599.5300000000007,4351.2700000000004,5248.26,4948.8999999999996,0,166000,115194.3,52215.199999999997,62979.1,59386.84,0,1.25,0.30349180227473499,"PASS",1.06,0.35775204060820864,"PASS",500000,"Pass",null,null,null,"Case 11","Devika",4322.6400000000003,4351.2700000000004,28.630000000000109,"Y",28.64,null,null,5.8500000000000003E-2,5.5E-2]
[200000,0.05,7.5000000000000011E-2,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",0,10000,0,0,0,0,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,35000,10000,0,0,0,0,45000,27732.22,0,0,0,0,0,27732.22,1200,27732.22,17267.78,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,3750,3750,2311.02,1438.98,1073.6400000000001,0,45000,45000,27732.22,17267.78,12883.72,0,3750,3750,2311.02,1438.98,1398.43,0,45000,45000,27732.22,17267.78,16781.150000000001,0,1.34,0.28630486560647417,"PASS",1.02,0.37291440456148234,"FAIL",164613.29,0,0,0,0,0,0,35000,10000,0,0,0,0,45000,27732.22,0,0,0,0,0,27732.22,1200,27732.22,17267.78,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,3750,3750,2311.02,1438.98,1073.6400000000001,0,45000,45000,27732.22,17267.78,12883.72,0,3750,3750,2311.02,1438.98,1398.43,0,45000,45000,27732.22,17267.78,16781.150000000001,0,1.34,0.28630486560647417,"PASS",1.02,0.37291440456148234,"FAIL",164613.29,"Pass",null,null,null,"Case 12","Devika",2276.8200000000002,2311.02,34.199999999999818,"Y",34.200000000000003,null,null,5.8500000000000003E-2,5.5E-2]
[1000000,0.05,7.5000000000000011E-2,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,200000,0,0,0,0,0,1000000,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,35584,0,0,0,0,0,124446.5,0,0,0,0,0,124446.5,38487.81,0,0,0,0,0,38487.81,1200,38487.81,85958.69,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13333.33,10370.540000000001,3207.32,7163.22,5368.22,0,160000,124446.5,38487.81,85958.69,64418.59,0,13333.33,10370.540000000001,3207.32,7163.22,6992.15,0,160000,124446.5,38487.81,85958.69,83905.74,0,1.33,0.40261621725910429,"PASS",1.02,0.52441088141458436,"PASS",1000000,35584,0,0,0,0,0,124446.5,0,0,0,0,0,124446.5,38487.81,0,0,0,0,0,38487.81,1200,38487.81,85958.69,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13333.33,10370.540000000001,3207.32,7163.22,5368.22,0,160000,124446.5,38487.81,85958.69,64418.59,0,13333.33,10370.540000000001,3207.32,7163.22,6992.15,0,160000,124446.5,38487.81,85958.69,83905.74,0,1.33,0.40261621725910429,"PASS",1.02,0.52441088141458436,"PASS",1000000,"Pass","Y",null,null,"Case 13","Devika",3196.39,3207.32,10.930000000000291,"Y",10.92,null,null,5.8500000000000003E-2,5.5E-2]
[1500000,0.06,8.4999999999999992E-2,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)","","","","Applicant 2","Applicant 1","","","","","","","","","","",300000,10000,0,0,0,0,35000,0,35000,0,0,0,116000,0,0,0,0,0,15000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,168617,0,0,0,0,0,297383,10000,35000,0,0,0,342383,61500.4,0,14732.88,0,0,0,76233.279999999999,1200,76233.279999999999,266149.71999999997,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,42583.33,28531.919999999998,6352.77,22179.14,8993.26,0,511000,342383,76233.279999999999,266149.71999999997,107919.09,0,42583.33,28531.919999999998,6352.77,22179.14,11533.7,0,511000,342383,76233.279999999999,266149.71999999997,138404.43,0,2.46,0.21119196580723176,"PASS",1.92,0.27085015077334645,"PASS",1500000,168617,0,0,0,0,0,297383,10000,35000,0,0,0,342383,61500.4,0,14732.88,0,0,0,76233.279999999999,1200,76233.279999999999,266149.71999999997,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,42583.33,28531.919999999998,6352.77,22179.14,8993.26,0,511000,342383,76233.279999999999,266149.71999999997,107919.09,0,42583.33,28531.919999999998,6352.77,22179.14,11533.7,0,511000,342383,76233.279999999999,266149.71999999997,138404.43,0,2.46,0.21119196580723176,"PASS",1.92,0.27085015077334645,"PASS",1500000,"Pass",null,null,null,"Case 14","Devika",6257.17,6352.77,95.600000000000364,"Y",95.59,null,null,5.8500000000000003E-2,5.5E-2]
[1000000,0.06,8.4999999999999992E-2,30,0,"Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 3","Applicant 2","","","","","","","","","",0,50000,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,60000,60000,0,0,0,0,500000,500000,0,0,0,1000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1594,19026.25,2768.5,0,0,0,24051,79503.75,45876.5,0,0,0,149431.25,14098.24,38487.81,0,0,0,0,52586.06,12000,52586.06,96845.19,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,14250,12452.6,4382.17,8070.43,5995.51,0,171000,149431.25,52586.06,96845.19,71946.06,0,14250,12452.6,4382.17,8070.43,7689.13,0,171000,149431.25,52586.06,96845.19,92269.62,0,1.34,0.42073721063351038,"PASS",1.04,0.53958840953286569,"PASS",1000000,1594,19026.25,2768.5,0,0,0,24051,79503.75,45876.5,0,0,0,149431.25,14098.24,38487.81,0,0,0,0,52586.06,12000,52586.06,96845.19,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,14250,12452.6,4382.17,8070.43,5995.51,0,171000,149431.25,52586.06,96845.19,71946.06,0,14250,12452.6,4382.17,8070.43,7689.13,0,171000,149431.25,52586.06,96845.19,92269.62,0,1.34,0.42073721063351038,"PASS",1.04,0.53958840953286569,"PASS",1000000,"Pass","Y",null,null,"Case 15","Devika",4348.34,4382.17,33.829999999999927,"Y",33.799999999999997,null,null,5.8500000000000003E-2,5.5E-2]
[200000,0.05,7.5000000000000011E-2,30,0,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,29227,0,0,0,0,0,78048,0,0,0,0,0,78048,31722.19,0,0,0,0,0,31722.19,1200,31722.19,46325.81,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,8916.67,6504,2643.52,3860.48,1073.6400000000001,2632,107000,78048,31722.19,46325.81,12883.72,31584,8916.67,6504,2643.52,3860.48,1398.43,2632,107000,78048,31722.19,46325.81,16781.150000000001,31584,1.04,0.41558615843262936,"PASS",0.95,0.45201073089034305,"FAIL",175625.65,29227,0,0,0,0,0,78048,0,0,0,0,0,78048,31722.19,0,0,0,0,0,31722.19,1200,31722.19,46325.81,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,8916.67,6504,2643.52,3860.48,1073.6400000000001,2632,107000,78048,31722.19,46325.81,12883.72,31584,8916.67,6504,2643.52,3860.48,1398.43,2632,107000,78048,31722.19,46325.81,16781.150000000001,31584,1.04,0.41558615843262936,"PASS",0.95,0.45201073089034305,"FAIL",175625.65,"Pass",null,null,null,"Case 16","Devika",2595.34,2643.52,48.179999999999836,"Y",48.18,null,null,5.8500000000000003E-2,5.5E-2]
[200000,0.05,7.5000000000000011E-2,30,0,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,29227,0,0,0,0,0,103048,0,0,0,0,0,103048,36727.839999999997,0,0,0,0,0,36727.839999999997,1200,36727.839999999997,66320.160000000003,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,11000,8587.33,3060.65,5526.68,1073.6400000000001,2632,132000,103048,36727.839999999997,66320.160000000003,12883.72,31584,11000,8587.33,3060.65,5526.68,1398.43,2632,132000,103048,36727.839999999997,66320.160000000003,16781.150000000001,31584,1.49,0.33687665872947986,"PASS",1.37,0.36640263791868716,"PASS",200000,29227,0,0,0,0,0,103048,0,0,0,0,0,103048,36727.839999999997,0,0,0,0,0,36727.839999999997,1200,36727.839999999997,66320.160000000003,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,11000,8587.33,3060.65,5526.68,1073.6400000000001,2632,132000,103048,36727.839999999997,66320.160000000003,12883.72,31584,11000,8587.33,3060.65,5526.68,1398.43,2632,132000,103048,36727.839999999997,66320.160000000003,16781.150000000001,31584,1.49,0.33687665872947986,"PASS",1.37,0.36640263791868716,"PASS",200000,"Pass","Y",null,null,"Case 17","Devika",2975.7,3060.65,84.950000000000273,"Y",84.97,null,null,5.8500000000000003E-2,5.5E-2]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,0,0,300000,0,0,0,0,0,0,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,139100,45997,19147,0,0,114097,470900,104003,61383,40000,40000,185903,902189,0,32731.51,32264.080000000002,25914.76,0,47469.94,138380.29,240000,240000,662189,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,101666.67,75182.42,20000,55182.42,15604.88,20660,1220000,902189,240000,662189,187258.53,247920,101666.67,75182.42,20000,55182.42,20143.89,20660,1220000,902189,240000,662189,241726.63,247920,1.52,0.35670371697487419,"PASS",1.35,0.40134969771828066,"PASS",2500000,139100,45997,19147,0,0,114097,470900,104003,61383,40000,40000,185903,902189,0,32731.51,32264.080000000002,25914.76,0,47469.94,138380.29,240000,240000,662189,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,101666.67,75182.42,20000,55182.42,15604.88,20660,1220000,902189,240000,662189,187258.53,247920,101666.67,75182.42,20000,55182.42,20143.89,20660,1220000,902189,240000,662189,241726.63,247920,1.52,0.35670371697487419,"PASS",1.35,0.40134969771828066,"PASS",2500000,"Pass",null,null,null,"Case 18","Devika",20000,20000,{"$f":"HD20-HC20","v":0},"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,0,0,0,0,0,0,75000,0,150000,0,0,0,0,75000,0,0,0,0,0,535000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,75000,852650,0,32731.51,32264.080000000002,32264.080000000002,0,20473.78,117733.45,240000,240000,612650,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,88750,71054.17,20000,51054.17,15604.88,20660,1065000,852650,240000,612650,187258.53,247920,88750,71054.17,20000,51054.17,20143.89,20660,1065000,852650,240000,612650,241726.63,247920,1.4,0.4086183424500906,"PASS",1.25,0.45976209503878157,"PASS",2500000,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,75000,852650,0,32731.51,32264.080000000002,32264.080000000002,0,20473.78,117733.45,240000,240000,612650,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,88750,71054.17,20000,51054.17,15604.88,20660,1065000,852650,240000,612650,187258.53,247920,88750,71054.17,20000,51054.17,20143.89,20660,1065000,852650,240000,612650,241726.63,247920,1.4,0.4086183424500906,"PASS",1.25,0.45976209503878157,"PASS",2500000,"Pass",null,null,null,"Case 19","Devika",20000,20000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,0,0,0,0,0,0,75000,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,75000,852650,0,32731.51,32264.080000000002,32264.080000000002,0,20473.78,117733.45,240000,240000,612650,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,88750,71054.17,20000,51054.17,15604.88,20660,1065000,852650,240000,612650,187258.53,247920,88750,71054.17,20000,51054.17,20143.89,20660,1065000,852650,240000,612650,241726.63,247920,1.4,0.4086183424500906,"PASS",1.25,0.45976209503878157,"PASS",2500000,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,75000,852650,0,32731.51,32264.080000000002,32264.080000000002,0,20473.78,117733.45,240000,240000,612650,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,88750,71054.17,20000,51054.17,15604.88,20660,1065000,852650,240000,612650,187258.53,247920,88750,71054.17,20000,51054.17,20143.89,20660,1065000,852650,240000,612650,241726.63,247920,1.4,0.4086183424500906,"PASS",1.25,0.45976209503878157,"PASS",2500000,"Pass","Y",null,null,"Case 20","Devika",20000,20000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,0,0,0,0,0,0,409501,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,409501,1187151,0,32731.51,32264.080000000002,32264.080000000002,0,49830.81,147090.49,240000,240000,947151,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,116625.08,98929.25,20000,78929.25,15604.88,20660,1399501,1187151,240000,947151,187258.53,247920,116625.08,98929.25,20000,78929.25,20143.89,20660,1399501,1187151,240000,947151,241726.63,247920,2.17,0.31095264291297148,"PASS",1.93,0.3498722982093635,"PASS",2500000,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,409501,1187151,0,32731.51,32264.080000000002,32264.080000000002,0,49830.81,147090.49,240000,240000,947151,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,116625.08,98929.25,20000,78929.25,15604.88,20660,1399501,1187151,240000,947151,187258.53,247920,116625.08,98929.25,20000,78929.25,20143.89,20660,1399501,1187151,240000,947151,241726.63,247920,2.17,0.31095264291297148,"PASS",1.93,0.3498722982093635,"PASS",2500000,"Pass",null,null,null,"Case 21","Devika",20000,20000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,1,0,0,0,0,0,0,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,1,777651,0,32731.51,32264.080000000002,32264.080000000002,0,13332.43,110592.1,240000,240000,537651,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,82500.08,64804.25,20000,44804.25,15604.88,20660,990001,777651,240000,537651,187258.53,247920,82500.08,64804.25,20000,44804.25,20143.89,20660,990001,777651,240000,537651,241726.63,247920,1.23,0.43957383347021517,"PASS",1.0900000000000001,0.49459205719620725,"PASS",2500000,139100,45997,19147,3535,6485.5,0,470900,104003,61383,67110,74254,1,777651,0,32731.51,32264.080000000002,32264.080000000002,0,13332.43,110592.1,240000,240000,537651,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,82500.08,64804.25,20000,44804.25,15604.88,20660,990001,777651,240000,537651,187258.53,247920,82500.08,64804.25,20000,44804.25,20143.89,20660,990001,777651,240000,537651,241726.63,247920,1.23,0.43957383347021517,"PASS",1.0900000000000001,0.49459205719620725,"PASS",2500000,"Pass",null,null,null,"Case 22","Devika",20000,20000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2500000,6.7900000000000002E-2,9.290000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,1,0,0,0,0,0,500000,0,1,0,0,0,0,75000,0,0,0,0,0,35000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,9100,0,19147,3535,6485.5,0,100900,1,61383,67110,74254,500001,803649,0,13332.43,32264.080000000002,32264.080000000002,0,49830.81,127691.41,240000,240000,563649,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,70000.17,66970.75,20000,46970.75,15604.88,20660,840002,803649,240000,563649,187258.53,247920,70000.17,66970.75,20000,46970.75,20143.89,20660,840002,803649,240000,563649,241726.63,247920,1.29,0.51806845068148233,"PASS",1.1499999999999999,0.58291126832591156,"FAIL",2099396.3199999998,9100,0,19147,3535,6485.5,0,100900,1,61383,67110,74254,500001,803649,0,13332.43,32264.080000000002,32264.080000000002,0,49830.81,127691.41,240000,240000,563649,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,70000.17,66970.75,20000,46970.75,15604.88,20660,840002,803649,240000,563649,187258.53,247920,70000.17,66970.75,20000,46970.75,20143.89,20660,840002,803649,240000,563649,241726.63,247920,1.29,0.51806845068148233,"PASS",1.1499999999999999,0.58291126832591156,"FAIL",2099396.3199999998,"Pass",null,null,null,"Case 23","Devika",20000,20000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,300000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,78000,0,0,0,0,0,222000,30000,0,0,0,0,252000,0,14098.24,0,0,0,0,14098.24,0,14098.24,237901.76,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,27500,21000,1174.8499999999999,19825.150000000001,11608.05,0,330000,252000,14098.24,237901.76,139296.62,0,27500,21000,1174.8499999999999,19825.150000000001,14802.32,0,330000,252000,14098.24,237901.76,177627.89,0,1.7,0.42211097872910236,"PASS",1.33,0.53826632619862913,"PASS",2000000,78000,0,0,0,0,0,222000,30000,0,0,0,0,252000,0,14098.24,0,0,0,0,14098.24,0,14098.24,237901.76,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,27500,21000,1174.8499999999999,19825.150000000001,11608.05,0,330000,252000,14098.24,237901.76,139296.62,0,27500,21000,1174.8499999999999,19825.150000000001,14802.32,0,330000,252000,14098.24,237901.76,177627.89,0,1.7,0.42211097872910236,"PASS",1.33,0.53826632619862913,"PASS",2000000,"Pass",null,null,null,"Case 24","Devika",1151.96,1174.8499999999999,22.889999999999873,"Y",22.9,null,null,5.8500000000000003E-2,5.5E-2]
[2000000,5.2900000000000003E-2,7.7899999999999997E-2,30,3,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",0,1,0,0,0,0,0,30000,0,0,0,0,330000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,128197,0,0,0,0,0,201803,30001,0,0,0,0,231804,49830.81,14098.24,0,0,0,0,63929.06,0,63929.06,167874.94,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,30000.080000000002,19317,5327.42,13989.58,11608.05,0,360001,231804,63929.06,167874.94,139296.62,0,30000.080000000002,19317,5327.42,13989.58,14802.32,0,360001,231804,63929.06,167874.94,177627.89,0,1.2,0.38693398901837434,"PASS",0.94,0.49340942843366437,"FAIL",1890108.61,128197,0,0,0,0,0,201803,30001,0,0,0,0,231804,49830.81,14098.24,0,0,0,0,63929.06,0,63929.06,167874.94,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,30000.080000000002,19317,5327.42,13989.58,11608.05,0,360001,231804,63929.06,167874.94,139296.62,0,30000.080000000002,19317,5327.42,13989.58,14802.32,0,360001,231804,63929.06,167874.94,177627.89,0,1.2,0.38693398901837434,"PASS",0.94,0.49340942843366437,"FAIL",1890108.61,{"$f":"IF(AND(DI27=FR27,DJ27=FS27,DK27=FT27,DL27=FU27,DM27=FV27,DN27=FW27,DO27=FX27,DP27=FY27,DQ27=FZ27,DR27=GA27,DS27=GB27,DT27=GC27,DU27=GD27,DV27=GE27,DW27=GF27,DX27=GG27,DY27=GH27,DZ27=GI27,EA27=GJ27,EB27=GK27,EC27=GL27,ED27=GM27,EE27=GN27,EF27=GO27,EG27=GP27,EH27=GQ27,EI27=GR27,EJ27=GS27,EK27=GT27,EL27=GU27,EM27=GV27),\"Pass\",\"Fail\")","v":"Pass"},null,null,null,"Case 25","Devika",5224.1899999999996,5327.42,103.23000000000047,"Y",103.22,null,null,5.8500000000000003E-2,5.5E-2]
[1500000,0.06,8.4999999999999992E-2,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)","Individual (Single)",null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,36000,10000,0,0,0,0,35000,0,35000,100000,0,0,0,0,0,0,0,0,10000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4102,0,0,0,0,0,77543,10000,35000,100000,0,0,222543,35847.480000000003,0,14732.88,24071.98,0,0,74652.33,1200,74652.33,147890.67000000001,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,18833.330000000002,18545.25,6221.03,12324.22,8993.26,0,226000,222543,74652.33,147890.67000000001,107919.09,0,18833.330000000002,18545.25,6221.03,12324.22,11533.7,0,226000,222543,74652.33,147890.67000000001,138404.43,0,1.37,0.47751811737829836,"PASS",1.06,0.61240896922646026,"FAIL",1282198.8700000001,4102,0,0,0,0,0,77543,10000,35000,100000,0,0,222543,35847.480000000003,0,14732.88,24071.98,0,0,74652.33,1200,74652.33,147890.67000000001,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,18833.330000000002,18545.25,6221.03,12324.22,8993.26,0,226000,222543,74652.33,147890.67000000001,107919.09,0,18833.330000000002,18545.25,6221.03,12324.22,11533.7,0,226000,222543,74652.33,147890.67000000001,138404.43,0,1.37,0.47751811737829836,"PASS",1.06,0.61240896922646026,"FAIL",1282198.8700000001,"Pass",null,null,null,"Case 26","Devika",6167.84,6221.03,53.1899999999996,"Y",53.2,null,null,5.8500000000000003E-2,5.5E-2]
[1000000,0.06,8.4999999999999992E-2,30,0,"Individual (Single)","Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 3","Applicant 2",null,null,null,null,null,null,null,null,null,0,50000,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,60000,60000,0,0,0,0,500000,500000,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1594,19026.25,2768.5,0,0,0,24051,79503.75,45876.5,0,0,0,149431.25,14098.24,38487.81,0,0,0,0,52586.06,1200,52586.06,96845.19,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,14250,12452.6,4382.17,8070.43,5995.51,0,171000,149431.25,52586.06,96845.19,71946.06,0,14250,12452.6,4382.17,8070.43,7689.13,0,171000,149431.25,52586.06,96845.19,92269.62,0,1.34,0.42073721063351038,"PASS",1.04,0.53958840953286569,"PASS",1000000,1594,19026.25,2768.5,0,0,0,24051,79503.75,45876.5,0,0,0,149431.25,14098.24,38487.81,0,0,0,0,52586.06,1200,52586.06,96845.19,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,14250,12452.6,4382.17,8070.43,5995.51,0,171000,149431.25,52586.06,96845.19,71946.06,0,14250,12452.6,4382.17,8070.43,7689.13,0,171000,149431.25,52586.06,96845.19,92269.62,0,1.34,0.42073721063351038,"PASS",1.04,0.53958840953286569,"PASS",1000000,{"$f":"IF(AND(DI29=FR29,DJ29=FS29,DK29=FT29,DL29=FU29,DM29=FV29,DN29=FW29,DO29=FX29,DP29=FY29,DQ29=FZ29,DR29=GA29,DS29=GB29,DT29=GC29,DU29=GD29,DV29=GE29,DW29=GF29,DX29=GG29,DY29=GH29,DZ29=GI29,EA29=GJ29,EB29=GK29,EC29=GL29,ED29=GM29,EE29=GN29,EF29=GO29,EG29=GP29,EH29=GQ29,EI29=GR29,EJ29=GS29,EK29=GT29,EL29=GU29,EM29=GV29),\"Pass\",\"Fail\")","v":"Pass"},null,null,null,"Case 27","Devika",4348.34,4382.17,33.829999999999927,"Y",33.840000000000003,null,null,5.8500000000000003E-2,5.5E-2]
[1000000,0.05,7.5000000000000011E-2,30,0,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,200000,0,0,0,0,0,1000000,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,35584,0,0,0,0,0,124446.5,0,0,0,0,0,124446.5,38487.81,0,0,0,0,0,38487.81,1200,38487.81,85958.69,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13333.33,10370.540000000001,3207.32,7163.22,5368.22,0,160000,124446.5,38487.81,85958.69,64418.59,0,13333.33,10370.540000000001,3207.32,7163.22,6992.15,0,160000,124446.5,38487.81,85958.69,83905.74,0,1.33,0.40261621725910429,"PASS",1.02,0.52441088141458436,"PASS",1000000,35584,0,0,0,0,0,124446.5,0,0,0,0,0,124446.5,38487.81,0,0,0,0,0,38487.81,1200,38487.81,85958.69,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,13333.33,10370.540000000001,3207.32,7163.22,5368.22,0,160000,124446.5,38487.81,85958.69,64418.59,0,13333.33,10370.540000000001,3207.32,7163.22,6992.15,0,160000,124446.5,38487.81,85958.69,83905.74,0,1.33,0.40261621725910429,"PASS",1.02,0.52441088141458436,"PASS",1000000,{"$f":"IF(AND(DI30=FR30,DJ30=FS30,DK30=FT30,DL30=FU30,DM30=FV30,DN30=FW30,DO30=FX30,DP30=FY30,DQ30=FZ30,DR30=GA30,DS30=GB30,DT30=GC30,DU30=GD30,DV30=GE30,DW30=GF30,DX30=GG30,DY30=GH30,DZ30=GI30,EA30=GJ30,EB30=GK30,EC30=GL30,ED30=GM30,EE30=GN30,EF30=GO30,EG30=GP30,EH30=GQ30,EI30=GR30,EJ30=GS30,EK30=GT30,EL30=GU30,EM30=GV30),\"Pass\",\"Fail\")","v":"Pass"},null,null,null,"Case 28","Devika",3196.39,3207.32,10.930000000000291,"Y",10.94,null,null,5.8500000000000003E-2,5.5E-2]
[1500000,0.06,8.4999999999999992E-2,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,300000,10000,0,0,0,0,35000,0,35000,0,0,0,116000,0,0,0,0,0,15000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,168617,0,0,0,0,0,297383,10000,35000,0,0,0,342383,61500.4,0,14732.88,0,0,0,76233.279999999999,1200,76233.279999999999,266149.71999999997,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,42583.33,28531.919999999998,6352.77,22179.14,8993.26,0,511000,342383,76233.279999999999,266149.71999999997,107919.09,0,42583.33,28531.919999999998,6352.77,22179.14,11533.7,0,511000,342383,76233.279999999999,266149.71999999997,138404.43,0,2.46,0.21119196580723176,"PASS",1.92,0.27085015077334645,"PASS",1500000,168617,0,0,0,0,0,297383,10000,35000,0,0,0,342383,61500.4,0,14732.88,0,0,0,76233.279999999999,1200,76233.279999999999,266149.71999999997,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,42583.33,28531.919999999998,6352.77,22179.14,8993.26,0,511000,342383,76233.279999999999,266149.71999999997,107919.09,0,42583.33,28531.919999999998,6352.77,22179.14,11533.7,0,511000,342383,76233.279999999999,266149.71999999997,138404.43,0,2.46,0.21119196580723176,"PASS",1.92,0.27085015077334645,"PASS",1500000,"Pass",null,null,null,"Case 29","Devika",6257.17,6352.77,95.600000000000364,"Y",95.6,null,null,5.8500000000000003E-2,5.5E-2]
[200000,0.05,7.5000000000000011E-2,30,0,"Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,107000,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,29227,0,0,0,0,0,103048,0,0,0,0,0,103048,36727.839999999997,0,0,0,0,0,36727.839999999997,1200,36727.839999999997,66320.160000000003,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,11000,8587.33,3060.65,5526.68,1073.6400000000001,2632,132000,103048,36727.839999999997,66320.160000000003,12883.72,31584,11000,8587.33,3060.65,5526.68,1398.43,2632,132000,103048,36727.839999999997,66320.160000000003,16781.150000000001,31584,1.49,0.33687665872947986,"PASS",1.37,0.36640263791868716,"PASS",200000,29227,0,0,0,0,0,103048,0,0,0,0,0,103048,36727.839999999997,0,0,0,0,0,36727.839999999997,1200,36727.839999999997,66320.160000000003,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,11000,8587.33,3060.65,5526.68,1073.6400000000001,2632,132000,103048,36727.839999999997,66320.160000000003,12883.72,31584,11000,8587.33,3060.65,5526.68,1398.43,2632,132000,103048,36727.839999999997,66320.160000000003,16781.150000000001,31584,1.49,0.33687665872947986,"PASS",1.37,0.36640263791868716,"PASS",200000,"Pass",null,null,null,"Case 30","Devika",2975.7,3060.65,84.950000000000273,"Y",84.96,null,null,5.8500000000000003E-2,5.5E-2]
[200000,0.05,7.5000000000000011E-2,30,0,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,29227,0,0,0,0,0,78048,0,0,0,0,0,78048,31722.19,0,0,0,0,0,31722.19,1200,31722.19,46325.81,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,8916.67,6504,2643.52,3860.48,1073.6400000000001,2632,107000,78048,31722.19,46325.81,12883.72,31584,8916.67,6504,2643.52,3860.48,1398.43,2632,107000,78048,31722.19,46325.81,16781.150000000001,31584,1.04,0.41558615843262936,"PASS",0.95,0.45201073089034305,"FAIL",175625.65,29227,0,0,0,0,0,78048,0,0,0,0,0,78048,31722.19,0,0,0,0,0,31722.19,1200,31722.19,46325.81,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,8916.67,6504,2643.52,3860.48,1073.6400000000001,2632,107000,78048,31722.19,46325.81,12883.72,31584,8916.67,6504,2643.52,3860.48,1398.43,2632,107000,78048,31722.19,46325.81,16781.150000000001,31584,1.04,0.41558615843262936,"PASS",0.95,0.45201073089034305,"FAIL",175625.65,"Pass",null,null,null,"Case 31","Devika",2595.34,2643.52,48.179999999999836,"Y",48.19,null,null,5.8500000000000003E-2,5.5E-2]
[1500000,0.06,8.4999999999999992E-2,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)","Individual (Single)",null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,36000,10000,0,0,0,0,35000,0,35000,100000,0,0,0,0,0,0,0,0,10000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4102,0,0,0,0,0,77543,10000,35000,100000,0,0,222543,35847.480000000003,0,14732.88,24071.98,0,0,74652.33,1200,74652.33,147890.67000000001,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,18833.330000000002,18545.25,6221.03,12324.22,8993.26,0,226000,222543,74652.33,147890.67000000001,107919.09,0,18833.330000000002,18545.25,6221.03,12324.22,11533.7,0,226000,222543,74652.33,147890.67000000001,138404.43,0,1.37,0.47751811737829836,"PASS",1.06,0.61240896922646026,"FAIL",1282198.8700000001,4102,0,0,0,0,0,77543,10000,35000,100000,0,0,222543,35847.480000000003,0,14732.88,24071.98,0,0,74652.33,1200,74652.33,147890.67000000001,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,18833.330000000002,18545.25,6221.03,12324.22,8993.26,0,226000,222543,74652.33,147890.67000000001,107919.09,0,18833.330000000002,18545.25,6221.03,12324.22,11533.7,0,226000,222543,74652.33,147890.67000000001,138404.43,0,1.37,0.47751811737829836,"PASS",1.06,0.61240896922646026,"FAIL",1282198.8700000001,"Pass",null,null,null,"Case 32","Devika",6167.84,6221.03,{"$f":"HD34-HC34","v":53.1899999999996},"Y",53.18,null,null,5.8500000000000003E-2,5.5E-2]
[3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,225000,0,0,0,0,87500,87500,0,0,0,0,22500,22500,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,0,0,0,0,0,22750,21734.5,0,0,0,0,87250,313795.5,0,0,0,0,401045.5,0,49830.81,0,0,0,0,49830.81,48000,49830.81,351214.69,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,37083.33,33420.46,4152.57,29267.89,19165.689999999999,0,445000,401045.5,49830.81,351214.69,229988.29,0,37083.33,33420.46,4152.57,29267.89,24648.35,0,445000,401045.5,49830.81,351214.69,295780.18,0,1.52,0.51682761588668136,"PASS",1.18,0.66467455388557506,"FAIL",2849765.02,22750,21734.5,0,0,0,0,87250,313795.5,0,0,0,0,401045.5,0,49830.81,0,0,0,0,49830.81,48000,49830.81,351214.69,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,37083.33,33420.46,4152.57,29267.89,19165.689999999999,0,445000,401045.5,49830.81,351214.69,229988.29,0,37083.33,33420.46,4152.57,29267.89,24648.35,0,445000,401045.5,49830.81,351214.69,295780.18,0,1.52,0.51682761588668136,"PASS",1.18,0.66467455388557506,"FAIL",2849765.02,"Pass",null,null,null,"Case 33","Devika",4072.23,4152.57,80.339999999999691,"Y",80.34,null,null,5.8500000000000003E-2,5.5E-2]
[3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,200000,0,0,0,0,87500,87500,0,0,0,0,22500,22500,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,0,0,0,0,0,22750,21734.5,0,0,0,0,87250,288795.5,0,0,0,0,376045.5,0,47469.94,0,0,0,0,47469.94,48000,48000,328045.5,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,35000,31337.13,4000,27337.13,19165.689999999999,0,420000,376045.5,48000,328045.5,229988.29,0,35000,31337.13,4000,27337.13,24648.35,0,420000,376045.5,48000,328045.5,295780.18,0,1.42,0.5475911644513648,"PASS",1.1000000000000001,0.70423851542638316,"PASS",3000000,22750,21734.5,0,0,0,0,87250,288795.5,0,0,0,0,376045.5,0,47469.94,0,0,0,0,47469.94,48000,48000,328045.5,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,35000,31337.13,4000,27337.13,19165.689999999999,0,420000,376045.5,48000,328045.5,229988.29,0,35000,31337.13,4000,27337.13,24648.35,0,420000,376045.5,48000,328045.5,295780.18,0,1.42,0.5475911644513648,"PASS",1.1000000000000001,0.70423851542638316,"PASS",3000000,"Pass",null,null,null,"Case 34","Devika",4000,4000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[3000000,7.0000000000000007E-2,9.5000000000000001E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 4","Applicant 3","","","","",2,0,"","",0,225000,100000,80000,0,0,0,0,0,0,0,0,87500,87500,37500,12500,0,0,22500,22500,52500,17500,0,0,0,0,0,0,0,0,0,0,20000,20000,0,0,0,0,500000,500000,0,0,0,0,0,0,0,0,0,0,0,0,15000,0,0,0,25000,5000,3000,22750,119972,40205.5,22655.5,0,0,87250,215028,165794.5,103872.25,0,0,571944.75,0,49830.81,67434.59,0,0,0,117265.4,180000,180000,391944.75,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,64750,47662.06,15000,32662.06,19165.689999999999,10205,777000,571944.75,180000,391944.75,229988.29,122460,64750,47662.06,15000,32662.06,24648.35,10205,777000,571944.75,180000,391944.75,295780.18,122460,1.1100000000000001,0.45360140163394236,"PASS",0.93,0.53827564540422257,"FAIL",2733286.62,22750,119972,40205.5,22655.5,0,0,87250,215028,165794.5,103872.25,0,0,571944.75,0,49830.81,67434.59,0,0,0,117265.4,180000,180000,391944.75,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,64750,47662.06,15000,32662.06,19165.689999999999,10205,777000,571944.75,180000,391944.75,229988.29,122460,64750,47662.06,15000,32662.06,24648.35,10205,777000,571944.75,180000,391944.75,295780.18,122460,1.1100000000000001,0.45360140163394236,"PASS",0.93,0.53827564540422257,"FAIL",2733286.62,"Pass",null,null,null,"Case 35","Devika",15000,15000,0,"Y","Above HEM",null,null,5.8500000000000003E-2,5.5E-2]
[1500000,5.9900000000000002E-2,8.4900000000000003E-2,30,0,"Individual (Single)","Individual (Couple)","Company","Company","","","","Non-loan party","","","","","",3,"","","","",0,95000,0,25000,0,0,85000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,0,0,0,0,30000,30000,0,0,0,0,0,1000000,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1000,0,0,33907,0,6500,0,0,85000,85188,24000,38500,0,0,232688,24071.98,48880.97,0,0,0,0,72952.95,12,72952.95,159735.04999999999,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,22750,19390.669999999998,6079.41,13311.25,8983.6200000000008,1250,273000,232688,72952.95,159735.04999999999,107803.4,15000,22750,19390.669999999998,6079.41,13311.25,11523.07,1250,273000,232688,72952.95,159735.04999999999,138276.88,15000,1.3,0.44982929052535398,"PASS",1.04,0.56145377214768011,"PASS",1500000,0,33907,0,6500,0,0,85000,85188,24000,38500,0,0,232688,24071.98,48880.97,0,0,0,0,72952.95,12,72952.95,159735.04999999999,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,22750,19390.669999999998,6079.41,13311.25,8983.6200000000008,1250,273000,232688,72952.95,159735.04999999999,107803.4,15000,22750,19390.669999999998,6079.41,13311.25,11523.07,1250,273000,232688,72952.95,159735.04999999999,138276.88,15000,1.3,0.44982929052535398,"PASS",1.04,0.56145377214768011,"PASS",1500000,{"$f":"IF(AND(DI38=FR38,DJ38=FS38,DK38=FT38,DL38=FU38,DM38=FV38,DN38=FW38,DO38=FX38,DP38=FY38,DQ38=FZ38,DR38=GA38,DS38=GB38,DT38=GC38,DU38=GD38,DV38=GE38,DW38=GF38,DX38=GG38,DY38=GH38,DZ38=GI38,EA38=GJ38,EB38=GK38,EC38=GL38,ED38=GM38,EE38=GN38,EF38=GO38,EG38=GP38,EH38=GQ38,EI38=GR38,EJ38=GS38,EK38=GT38,EL38=GU38,EM38=GV38),\"Pass\",\"Fail\")","v":"Pass"},null,null,null,"Case 36","Devika",6035.58,6079.41,43.829999999999927,"Y",43.85,null,null,5.8500000000000003E-2,5.5E-2]
[300000,5.0900000000000001E-2,7.5899999999999995E-2,30,0,"Individual (Couple)","Individual (Couple)","","","","","Non-loan Party","Non-loan party","","","","",3,"","","","","",72735,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,285,291,0,260,1100,400,700,0,69,48,0,0,0,1275,32500,1275,0,16640.580000000002,0,0,0,0,0,56624.43,0,0,0,0,0,56624.43,42544.88,25914.76,0,0,0,0,68459.64,37836,68459.64,-11835.21,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,6061.25,4718.7,5704.97,-986.27,1627.01,4110.25,72735,56624.43,68459.64,-11835.21,19524.080000000002,49323,6061.25,4718.7,5704.97,-986.27,2116.16,4110.25,72735,56624.43,68459.64,-11835.21,25393.95,49323,-0.17,0.73619408726042612,"FAIL",-0.15,0.81689630477657993,"FAIL",0,16640.580000000002,0,0,0,0,0,56624.43,0,0,0,0,0,56624.43,42544.88,25914.76,0,0,0,0,68459.64,37836,68459.64,-11835.21,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,6061.25,4718.7,5704.97,-986.27,1627.01,4110.25,72735,56624.43,68459.64,-11835.21,19524.080000000002,49323,6061.25,4718.7,5704.97,-986.27,2116.16,4110.25,72735,56624.43,68459.64,-11835.21,25393.95,49323,-0.17,0.73619408726042612,"FAIL",-0.15,0.81689630477657993,"FAIL",0,"Pass","Y",null,null,"Case 37","Devika",5622.63,5704.97,82.340000000000146,"Y",84.34,null,null,5.8500000000000003E-2,5.5E-2]
[300000,0.06,8.4999999999999992E-2,40,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,1,1,1,1,1,1,1,1,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,1,13332.43,13332.43,0,0,0,0,26664.86,156,26664.86,-26663.86,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,0.08,0.08,2222.0700000000002,-2221.9899999999998,1650.64,0,1,1,26664.86,-26663.86,19807.689999999999,0,0.08,0.08,2222.0700000000002,-2221.9899999999998,2199.2800000000002,0,1,1,26664.86,-26663.86,26391.39,0,-1.34,19807.691061745812,"FAIL",-1.01,26391.386458395049,"FAIL",0,0,0,0,0,0,0,0,1,0,0,0,0,1,13332.43,13332.43,0,0,0,0,26664.86,156,26664.86,-26663.86,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,0.08,0.08,2222.0700000000002,-2221.9899999999998,1650.64,0,1,1,26664.86,-26663.86,19807.689999999999,0,0.08,0.08,2222.0700000000002,-2221.9899999999998,2199.2800000000002,0,1,1,26664.86,-26663.86,26391.39,0,-1.34,19807.691061745812,"FAIL",-1.01,26391.386458395049,"FAIL",0,"Pass",null,null,null,"Case 38","Devika",2181.2600000000002,2222.0700000000002,40.809999999999945,"Y",40.82,null,null,5.8500000000000003E-2,5.5E-2]
[100000,6.5000000000000002E-2,0.09,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,50,1,100,200,1,500,1,1,1,1,0,0,0,0,1594,0,0,0,0,0,24051,0,0,0,0,0,24051,25914.76,0,0,0,0,0,25914.76,22296,25914.76,-1863.76,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,2083.33,2004.25,2159.56,-155.31,745.57,0,25000,24051,25914.76,-1863.76,8946.8799999999992,0,2083.33,2004.25,2159.56,-155.31,899.73,0,25000,24051,25914.76,-1863.76,10796.71,0,-0.2,0.35787510504724657,"FAIL",-0.17,0.43186845880808311,"FAIL",0,1594,0,0,0,0,0,24051,0,0,0,0,0,24051,25914.76,0,0,0,0,0,25914.76,22296,25914.76,-1863.76,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,2083.33,2004.25,2159.56,-155.31,745.57,0,25000,24051,25914.76,-1863.76,8946.8799999999992,0,2083.33,2004.25,2159.56,-155.31,899.73,0,25000,24051,25914.76,-1863.76,10796.71,0,-0.2,0.35787510504724657,"FAIL",-0.17,0.43186845880808311,"FAIL",0,"Pass","Y",null,null,"Case 39","Devika",2125.17,2159.56,34.389999999999873,"Y",34.4,null,null,5.8500000000000003E-2,5.5E-2]
[100000,6.5000000000000002E-2,0.09,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",50000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,50,1,100,200,1,500,1,1,1,1,0,0,0,0,8797,0,0,0,0,0,41983,0,0,0,0,0,41983,27732.22,0,0,0,0,0,27732.22,22296,27732.22,14250.78,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,4166.67,3498.58,2311.02,1187.56,745.57,0,50000,41983,27732.22,14250.78,8946.8799999999992,0,4166.67,3498.58,2311.02,1187.56,899.73,0,50000,41983,27732.22,14250.78,10796.71,0,1.59,0.17893755252362328,"PASS",1.31,0.21593422940404156,"PASS",100000,8797,0,0,0,0,0,41983,0,0,0,0,0,41983,27732.22,0,0,0,0,0,27732.22,22296,27732.22,14250.78,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,4166.67,3498.58,2311.02,1187.56,745.57,0,50000,41983,27732.22,14250.78,8946.8799999999992,0,4166.67,3498.58,2311.02,1187.56,899.73,0,50000,41983,27732.22,14250.78,10796.71,0,1.59,0.17893755252362328,"PASS",1.31,0.21593422940404156,"PASS",100000,"Pass","Y",null,null,"Case 40","Devika",2276.8200000000002,2311.02,34.199999999999818,"Y",34.19,null,null,5.8500000000000003E-2,5.5E-2]
[300000,6.5000000000000002E-2,0.09,20,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",85000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,500,50,1,100,200,500,500,1,1,1,1,0,0,0,0,20872,7072,0,0,0,0,64658,38693,0,0,0,0,103351,43419.65,0,0,0,0,0,43419.65,34272,43419.65,59931.35,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,10833.33,8612.58,3618.3,4994.28,2236.7199999999998,0,130000,103351,43419.65,59931.35,26840.63,0,10833.33,8612.58,3618.3,4994.28,2699.18,0,130000,103351,43419.65,59931.35,32390.13,0,2.23,0.20646640675802683,"PASS",1.85,0.24915488008158634,"PASS",300000,20872,7072,0,0,0,0,64658,38693,0,0,0,0,103351,43419.65,0,0,0,0,0,43419.65,34272,43419.65,59931.35,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,10833.33,8612.58,3618.3,4994.28,2236.7199999999998,0,130000,103351,43419.65,59931.35,26840.63,0,10833.33,8612.58,3618.3,4994.28,2699.18,0,130000,103351,43419.65,59931.35,32390.13,0,2.23,0.20646640675802683,"PASS",1.85,0.24915488008158634,"PASS",300000,"Pass","Y",null,null,"Case 41","Devika",3578.89,3618.3,39.410000000000309,"Y",39.39,null,null,5.8500000000000003E-2,5.5E-2]
[300000,6.5000000000000002E-2,0.09,20,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",85000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,500,50,1,100,200,500,500,200,1,400,1,0,0,1800,0,20872,7072,0,0,0,0,64658,38693,0,0,0,0,103351,43419.65,0,0,0,0,0,43419.65,41448,43419.65,59931.35,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,10833.33,8612.58,3618.3,4994.28,2236.7199999999998,2250,130000,103351,43419.65,59931.35,26840.63,27000,10833.33,8612.58,3618.3,4994.28,2699.18,2250,130000,103351,43419.65,59931.35,32390.13,27000,1.1100000000000001,0.41415871445033453,"PASS",1,0.45684718777389405,"PASS",300000,20872,7072,0,0,0,0,64658,38693,0,0,0,0,103351,43419.65,0,0,0,0,0,43419.65,41448,43419.65,59931.35,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,10833.33,8612.58,3618.3,4994.28,2236.7199999999998,2250,130000,103351,43419.65,59931.35,26840.63,27000,10833.33,8612.58,3618.3,4994.28,2699.18,2250,130000,103351,43419.65,59931.35,32390.13,27000,1.1100000000000001,0.41415871445033453,"PASS",1,0.45684718777389405,"PASS",300000,"Pass","Y",null,null,"Case 42","Devika",3578.89,3618.3,39.410000000000309,"Y",39.39,null,null,5.8500000000000003E-2,5.5E-2]
[700000,6.5000000000000002E-2,0.09,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",100000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,50,1,100,200,500,500,200,1,400,1,0,0,1800,0,26497,7072,0,0,0,0,73883,38693,0,0,0,0,112576,43419.65,0,0,0,0,0,43419.65,23472,43419.65,69156.350000000006,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,12083.33,9381.33,3618.3,5763.03,4424.4799999999996,2250,145000,112576,43419.65,69156.350000000006,53093.71,27000,12083.33,9381.33,3618.3,5763.03,5632.36,2250,145000,112576,43419.65,69156.350000000006,67588.3,27000,0.86,0.55237044119592382,"FAIL",0.73,0.65233310223008101,"FAIL",436602.19,26497,7072,0,0,0,0,73883,38693,0,0,0,0,112576,43419.65,0,0,0,0,0,43419.65,23472,43419.65,69156.350000000006,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,12083.33,9381.33,3618.3,5763.03,4424.4799999999996,2250,145000,112576,43419.65,69156.350000000006,53093.71,27000,12083.33,9381.33,3618.3,5763.03,5632.36,2250,145000,112576,43419.65,69156.350000000006,67588.3,27000,0.86,0.55237044119592382,"FAIL",0.73,0.65233310223008101,"FAIL",436602.19,"Pass","Y",null,null,"Case 43","Devika",3578.89,3618.3,39.410000000000309,"Y",39.39,null,null,5.8500000000000003E-2,5.5E-2]
[160000,6.5000000000000002E-2,0.09,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",56000,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,600,1,50,300,41,100,200,480,500,120,1,350,1,0,0,1800,0,10867,3892,0,0,0,0,45823,31753,0,0,0,0,77576,35847.480000000003,0,0,0,0,0,35847.480000000003,32928,35847.480000000003,41728.519999999997,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7583.33,6464.67,2987.29,3477.38,1011.31,2250,91000,77576,35847.480000000003,41728.519999999997,12135.71,27000,7583.33,6464.67,2987.29,3477.38,1287.4000000000001,2250,91000,77576,35847.480000000003,41728.519999999997,15448.75,27000,1.06,0.43006270385785605,"PASS",0.98,0.46646982687186622,"FAIL",152493.85,10867,3892,0,0,0,0,45823,31753,0,0,0,0,77576,35847.480000000003,0,0,0,0,0,35847.480000000003,32928,35847.480000000003,41728.519999999997,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7583.33,6464.67,2987.29,3477.38,1011.31,2250,91000,77576,35847.480000000003,41728.519999999997,12135.71,27000,7583.33,6464.67,2987.29,3477.38,1287.4000000000001,2250,91000,77576,35847.480000000003,41728.519999999997,15448.75,27000,1.06,0.43006270385785605,"PASS",0.98,0.46646982687186622,"FAIL",152493.85,"Pass","Y",null,null,"Case 44","Devika",2963.79,2987.29,23.5,"Y",23.48,null,null,5.8500000000000003E-2,5.5E-2]
[160000,6.5000000000000002E-2,0.09,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",58000,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,600,1,300,50,1,100,200,480,500,200,1,400,1,0,0,1800,0,11557,3892,0,0,0,0,47103,31753,0,0,0,0,78856,35847.480000000003,0,0,0,0,0,35847.480000000003,34008,35847.480000000003,43008.52,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7750,6571.33,2987.29,3584.04,1011.31,2250,93000,78856,35847.480000000003,43008.52,12135.71,27000,7750,6571.33,2987.29,3584.04,1287.4000000000001,2250,93000,78856,35847.480000000003,43008.52,15448.75,27000,1.0900000000000001,0.42081404355983765,"PASS",1.01,0.45643821769182608,"PASS",160000,11557,3892,0,0,0,0,47103,31753,0,0,0,0,78856,35847.480000000003,0,0,0,0,0,35847.480000000003,34008,35847.480000000003,43008.52,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7750,6571.33,2987.29,3584.04,1011.31,2250,93000,78856,35847.480000000003,43008.52,12135.71,27000,7750,6571.33,2987.29,3584.04,1287.4000000000001,2250,93000,78856,35847.480000000003,43008.52,15448.75,27000,1.0900000000000001,0.42081404355983765,"PASS",1.01,0.45643821769182608,"PASS",160000,"Pass","Y",null,null,"Case 45","Devika",2963.79,2987.29,23.5,"Y",23.48,null,null,5.8500000000000003E-2,5.5E-2]
[100000,6.5000000000000002E-2,0.09,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",41000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,50,1,100,200,1,500,1,1,1,1,0,0,0,0,5692,0,0,0,0,0,36013,0,0,0,0,0,36013,26546.78,0,0,0,0,0,26546.78,22296,26546.78,9466.2199999999993,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,3416.67,3001.08,2212.23,788.85,745.57,0,41000,36013,26546.78,9466.2199999999993,8946.8799999999992,0,3416.67,3001.08,2212.23,788.85,899.73,0,41000,36013,26546.78,9466.2199999999993,10796.71,0,1.05,0.21821652746783327,"PASS",0.87,0.26333442610248969,"FAIL",87582.22,5692,0,0,0,0,0,36013,0,0,0,0,0,36013,26546.78,0,0,0,0,0,26546.78,22296,26546.78,9466.2199999999993,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,3416.67,3001.08,2212.23,788.85,745.57,0,41000,36013,26546.78,9466.2199999999993,8946.8799999999992,0,3416.67,3001.08,2212.23,788.85,899.73,0,41000,36013,26546.78,9466.2199999999993,10796.71,0,1.05,0.21821652746783327,"PASS",0.87,0.26333442610248969,"FAIL",87582.22,"Pass","Y",null,null,"Case 46","Devika",2186.27,2212.23,{"$f":"HD48-HC48","v":25.960000000000036},"Y",25.95,null,null,5.8500000000000003E-2,5.5E-2]
[145000,6.5000000000000002E-2,0.09,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",51000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,250,1,100,200,1,500,1,200,1,1,0,0,0,0,9142,0,0,0,0,0,42623,0,0,0,0,0,42623,27732.22,0,0,0,0,0,27732.22,27084,27732.22,14890.78,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,4250,3551.92,2311.02,1240.9000000000001,1081.08,0,51000,42623,27732.22,14890.78,12972.97,0,4250,3551.92,2311.02,1240.9000000000001,1304.5999999999999,0,51000,42623,27732.22,14890.78,15655.23,0,1.1399999999999999,0.25437201094044481,"PASS",0.95,0.3069653261135884,"FAIL",137819.74,9142,0,0,0,0,0,42623,0,0,0,0,0,42623,27732.22,0,0,0,0,0,27732.22,27084,27732.22,14890.78,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,4250,3551.92,2311.02,1240.9000000000001,1081.08,0,51000,42623,27732.22,14890.78,12972.97,0,4250,3551.92,2311.02,1240.9000000000001,1304.5999999999999,0,51000,42623,27732.22,14890.78,15655.23,0,1.1399999999999999,0.25437201094044481,"PASS",0.95,0.3069653261135884,"FAIL",137819.74,"Pass","Y",null,null,"Case 47","Devika",2276.8200000000002,2311.02,34.199999999999818,"Y",34.19,null,null,5.8500000000000003E-2,5.5E-2]
[300000,5.4399999999999997E-2,7.9399999999999998E-2,30,0,"Individual (Single)","","","","","","","","","","","","","","","","","",80000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,100,50,60,50,20,45,60,1,1,0,0,0,0,19147,0,0,0,0,0,61383,0,0,0,0,0,61383,20473.78,0,0,0,0,0,20473.78,4692,20473.78,40909.22,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,6666.67,5115.25,1706.15,3409.1,1692.09,0,80000,61383,20473.78,40909.22,20305.09,0,6666.67,5115.25,1706.15,3409.1,2188.7600000000002,0,80000,61383,20473.78,40909.22,26265.1,0,2.0099999999999998,0.25381360981084861,"PASS",1.55,0.32831378032817848,"PASS",300000,19147,0,0,0,0,0,61383,0,0,0,0,0,61383,20473.78,0,0,0,0,0,20473.78,4692,20473.78,40909.22,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,6666.67,5115.25,1706.15,3409.1,1692.09,0,80000,61383,20473.78,40909.22,20305.09,0,6666.67,5115.25,1706.15,3409.1,2188.7600000000002,0,80000,61383,20473.78,40909.22,26265.1,0,2.0099999999999998,0.25381360981084861,"PASS",1.55,0.32831378032817848,"PASS",300000,"Pass","Y",null,null,"Case 48","Devika",1674.68,1706.15,31.470000000000027,"Y",31.46,null,null,5.8500000000000003E-2,5.5E-2]
[300000,5.4399999999999997E-2,7.9399999999999998E-2,30,0,"Individual (Single)","","","","","","","","","","","","","","","","","",60000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,100,50,60,50,20,45,60,1,1,0,0,0,0,12247,0,0,0,0,0,48383,0,0,0,0,0,48383,17869.05,0,0,0,0,0,17869.05,4692,17869.05,30513.95,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5000,4031.92,1489.09,2542.83,1692.09,0,60000,48383,17869.05,30513.95,20305.09,0,5000,4031.92,1489.09,2542.83,2188.7600000000002,0,60000,48383,17869.05,30513.95,26265.1,0,1.5,0.33841814641446483,"PASS",1.1599999999999999,0.43775170710423794,"PASS",300000,12247,0,0,0,0,0,48383,0,0,0,0,0,48383,17869.05,0,0,0,0,0,17869.05,4692,17869.05,30513.95,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5000,4031.92,1489.09,2542.83,1692.09,0,60000,48383,17869.05,30513.95,20305.09,0,5000,4031.92,1489.09,2542.83,2188.7600000000002,0,60000,48383,17869.05,30513.95,26265.1,0,1.5,0.33841814641446483,"PASS",1.1599999999999999,0.43775170710423794,"PASS",300000,"Pass","Y",null,null,"Case 49","Devika",1466.33,1489.09,22.759999999999991,"Y",22.75,null,null,5.8500000000000003E-2,5.5E-2]
[300000,5.3999999999999999E-2,7.9000000000000001E-2,30,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,100,100,100,100,100,500,10,100,500,300,100,100,0,0,0,0,7072,7072,0,0,0,0,38693,38693,0,0,0,0,77386,15923.21,15923.21,0,0,0,0,31846.42,26520,31846.42,45539.58,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7500,6448.83,2653.87,3794.97,1684.59,0,90000,77386,31846.42,45539.58,20215.11,0,7500,6448.83,2653.87,3794.97,2180.42,0,90000,77386,31846.42,45539.58,26164.99,0,2.25,0.22461231674784571,"PASS",1.74,0.29072216210030244,"PASS",300000,7072,7072,0,0,0,0,38693,38693,0,0,0,0,77386,15923.21,15923.21,0,0,0,0,31846.42,26520,31846.42,45539.58,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7500,6448.83,2653.87,3794.97,1684.59,0,90000,77386,31846.42,45539.58,20215.11,0,7500,6448.83,2653.87,3794.97,2180.42,0,90000,77386,31846.42,45539.58,26164.99,0,2.25,0.22461231674784571,"PASS",1.74,0.29072216210030244,"PASS",300000,"Pass","Y",null,null,"Case 50","Devika",2607.35,2653.87,46.519999999999982,"Y",46.54,null,null,5.8500000000000003E-2,5.5E-2]
[300000,5.3999999999999999E-2,7.9000000000000001E-2,30,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,100,100,100,100,100,500,10,100,500,300,100,100,0,0,0,0,7072,1594,0,0,0,0,38693,24051,0,0,0,0,62744,15923.21,14098.24,0,0,0,0,30021.45,26520,30021.45,32722.55,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5833.33,5228.67,2501.79,2726.88,1684.59,0,70000,62744,30021.45,32722.55,20215.11,0,5833.33,5228.67,2501.79,2726.88,2180.42,0,70000,62744,30021.45,32722.55,26164.99,0,1.61,0.28878726439008734,"PASS",1.25,0.37378563698610318,"PASS",300000,7072,1594,0,0,0,0,38693,24051,0,0,0,0,62744,15923.21,14098.24,0,0,0,0,30021.45,26520,30021.45,32722.55,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5833.33,5228.67,2501.79,2726.88,1684.59,0,70000,62744,30021.45,32722.55,20215.11,0,5833.33,5228.67,2501.79,2726.88,2180.42,0,70000,62744,30021.45,32722.55,26164.99,0,1.61,0.28878726439008734,"PASS",1.25,0.37378563698610318,"PASS",300000,"Pass","Y",null,null,"Case 51","Devika",2455.63,2501.79,46.159999999999854,"Y",46.15,null,null,5.8500000000000003E-2,5.5E-2]
[300000,0.02,5.8500000000000003E-2,30,0,"Individual (Single)","","","","","","","","","","","","","","","","","",80000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,100,50,60,50,20,45,60,1,1,0,0,0,0,19147,0,0,0,0,0,61383,0,0,0,0,0,61383,20473.78,0,0,0,0,0,20473.78,4692,20473.78,40909.22,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,6666.67,5115.25,1706.15,3409.1,1108.8599999999999,0,80000,61383,20473.78,40909.22,13306.3,0,6666.67,5115.25,1706.15,3409.1,1703.37,0,80000,61383,20473.78,40909.22,20440.400000000001,0,3.07,0.16632876270996924,"PASS",2,0.25550505060615131,"PASS",300000,19147,0,0,0,0,0,61383,0,0,0,0,0,61383,20473.78,0,0,0,0,0,20473.78,4692,20473.78,40909.22,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,6666.67,5115.25,1706.15,3409.1,1108.8599999999999,0,80000,61383,20473.78,40909.22,13306.3,0,6666.67,5115.25,1706.15,3409.1,1703.37,0,80000,61383,20473.78,40909.22,20440.400000000001,0,3.07,0.16632876270996924,"PASS",2,0.25550505060615131,"PASS",300000,{"$f":"IF(AND(DI54=FR54,DJ54=FS54,DK54=FT54,DL54=FU54,DM54=FV54,DN54=FW54,DO54=FX54,DP54=FY54,DQ54=FZ54,DR54=GA54,DS54=GB54,DT54=GC54,DU54=GD54,DV54=GE54,DW54=GF54,DX54=GG54,DY54=GH54,DZ54=GI54,EA54=GJ54,EB54=GK54,EC54=GL54,ED54=GM54,EE54=GN54,EF54=GO54,EG54=GP54,EH54=GQ54,EI54=GR54,EJ54=GS54,EK54=GT54,EL54=GU54,EM54=GV54),\"Pass\",\"Fail\")","v":"Pass"},"Y",null,null,"Case 52","Devika",1674.68,1706.15,31.470000000000027,"Y",31.46,null,null,5.8500000000000003E-2,5.5E-2]
[300000,0.03,5.8500000000000003E-2,30,0,"Individual (Single)","","","","","","","","","","","","","","","","","",60000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,100,50,60,50,20,45,60,1,1,0,0,0,0,12247,0,0,0,0,0,48383,0,0,0,0,0,48383,17869.05,0,0,0,0,0,17869.05,4692,17869.05,30513.95,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5000,4031.92,1489.09,2542.83,1264.81,0,60000,48383,17869.05,30513.95,15177.75,0,5000,4031.92,1489.09,2542.83,1703.37,0,60000,48383,17869.05,30513.95,20440.400000000001,0,2.0099999999999998,0.25296242023767029,"PASS",1.49,0.34067340080820169,"PASS",300000,12247,0,0,0,0,0,48383,0,0,0,0,0,48383,17869.05,0,0,0,0,0,17869.05,4692,17869.05,30513.95,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5000,4031.92,1489.09,2542.83,1264.81,0,60000,48383,17869.05,30513.95,15177.75,0,5000,4031.92,1489.09,2542.83,1703.37,0,60000,48383,17869.05,30513.95,20440.400000000001,0,2.0099999999999998,0.25296242023767029,"PASS",1.49,0.34067340080820169,"PASS",300000,"Pass","Y",null,null,"Case 53","Devika",1466.33,1489.09,22.759999999999991,"Y",22.75,null,null,5.8500000000000003E-2,5.5E-2]
[300000,3.3399999999999999E-2,5.8500000000000003E-2,30,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,100,100,100,100,100,500,10,100,500,300,100,100,0,0,0,0,7072,7072,0,0,0,0,38693,38693,0,0,0,0,77386,15923.21,15923.21,0,0,0,0,31846.42,26520,31846.42,45539.58,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7500,6448.83,2653.87,3794.97,1320.48,0,90000,77386,31846.42,45539.58,15845.8,0,7500,6448.83,2653.87,3794.97,1767.91,0,90000,77386,31846.42,45539.58,21214.9,0,2.87,0.17606444647275668,"PASS",2.14,0.23572109585614293,"PASS",300000,7072,7072,0,0,0,0,38693,38693,0,0,0,0,77386,15923.21,15923.21,0,0,0,0,31846.42,26520,31846.42,45539.58,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,7500,6448.83,2653.87,3794.97,1320.48,0,90000,77386,31846.42,45539.58,15845.8,0,7500,6448.83,2653.87,3794.97,1767.91,0,90000,77386,31846.42,45539.58,21214.9,0,2.87,0.17606444647275668,"PASS",2.14,0.23572109585614293,"PASS",300000,"Pass","Y",null,null,"Case 54","Devika",2607.35,2653.87,46.519999999999982,"Y",46.54,null,null,5.8500000000000003E-2,5.5E-2]
[300000,3.3599999999999998E-2,5.8599999999999999E-2,30,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,100,100,100,100,100,500,10,100,500,300,100,100,0,0,0,0,7072,1594,0,0,0,0,38693,24051,0,0,0,0,62744,15923.21,14098.24,0,0,0,0,30021.45,26520,30021.45,32722.55,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5833.33,5228.67,2501.79,2726.88,1323.8,0,70000,62744,30021.45,32722.55,15885.59,0,5833.33,5228.67,2501.79,2726.88,1771.74,0,70000,62744,30021.45,32722.55,21260.86,0,2.0499999999999998,0.226936965201672,"PASS",1.53,0.30372656696365175,"PASS",300000,7072,1594,0,0,0,0,38693,24051,0,0,0,0,62744,15923.21,14098.24,0,0,0,0,30021.45,26520,30021.45,32722.55,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,5833.33,5228.67,2501.79,2726.88,1323.8,0,70000,62744,30021.45,32722.55,15885.59,0,5833.33,5228.67,2501.79,2726.88,1771.74,0,70000,62744,30021.45,32722.55,21260.86,0,2.0499999999999998,0.226936965201672,"PASS",1.53,0.30372656696365175,"PASS",300000,"Pass","Y",null,null,"Case 55","Devika",2455.63,2501.79,46.159999999999854,"Y",46.15,null,null,5.8500000000000003E-2,5.5E-2]

{"sheet":"CommercialTestCases","index":10,"n_rows":15,"n_cols":180,"rows_kept":15,"cut":false,"hidden":true,"merged":[[0,113,0,167],[0,0,0,57],[0,58,0,112]]}
["Test Cases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases  TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases TestCases ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set Original-Result-set",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset New-Resultset  New-Resultset  New-Resultset  New-Resultset  New-Resultset  New-Resultset  New-Resultset  New-Resultset New-Resultset New-Resultset",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Test cases will run when date tested is blank and Run Scenario Flag is \"Y\""]
["New Loan Amount","Interest Rate","Documentation Type","Loan Term (Years)","I/O Term (Years)","Loan Amount 1","Rate 1","Actual Loan Repayment (Monthly) 1","Loan Amount 2","Rate 2","Actual Loan Repayment (Monthly) 2","Loan Amount 3","Rate 3","Actual Loan Repayment (Monthly) 3","Loan Amount 4","Rate 4","Actual Loan Repayment (Monthly) 4","Net Profit Before Tax","Proposed Net CRE Rental Income","Proposed Gross Residential Rental Income","Depreciation","Ammortisation","Interest Paid","Directors Salaries/ Fees / Super","Other","Status Applicant 1","Status Applicant 2","Status Applicant 3","Status Applicant 4","Couple with  Applicant 1","Couple with  Applicant 2","Couple with  Applicant 3","Couple with  Applicant 4","Dependent Applicant 1","Dependent Applicant 2","Dependent Applicant 3","Dependent Applicant 4","Gross Annual Income Applicant 1","Gross Annual Income Applicant 2","Gross Annual Income Applicant 3","Gross Annual Income Applicant 4","Untaxed Allowable Income Applicant 1","Untaxed Allowable Income Applicant 2","Untaxed Allowable Income Applicant 3","Untaxed Allowable Income Applicant 4","Gross Residential Rental Income (Other) Applicant 1","Gross Residential Rental Income (Other) Applicant 2","Gross Residential Rental Income (Other) Applicant 3","Gross Residential Rental Income (Other) Applicant 4","Investment Property Loan Balance (personal name) Applicant 1","Investment Property Loan Balance (personal name) Applicant 2","Investment Property Loan Balance (personal name) Applicant 3","Investment Property Loan Balance (personal name) Applicant 4","Living Expenses Monthly (Declared Living Expenses)","Rent/Board","Total Credit Card Limit","Personal Mortgage Repayments","Other Consumer Debt","P&I Repayment","IO Repayment","Earning Before Interest, Tax, Depreciation & Ammortisation (EBITDA)"," Total Add Backs","Total Income Applicant 1","Total Income Applicant 2","Total Income Applicant 3","Total Income Applicant 4","Total Gross Annual Income of All Applicants","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax offset for Low Income Earners Applicant 1","Tax offset for Low Income Earners Applicant 2","Tax offset for Low Income Earners Applicant 3","Tax offset for Low Income Earners Applicant 4","Total Net Annual Income Applicant 1","Total Net Annual Income Applicant 2","Total Net Annual Income Applicant 3","Total Net Annual Income Applicant 4","Total Net Annual Income of All Applicants","Total Taxable Income Applicant 1","Total Taxable Income Applicant 2","Total Taxable Income Applicant 3","Total Taxable Income Applicant 4","Total Taxable Income For All Applicants","Spouse Income Applicant 1","Spouse Income Applicant 2","Spouse Income Applicant 3","Spouse Income Applicant 4","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Total","Customer Nominated Living Expenses","Used Living Expenses","Personal rent","Personal Debt","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Business income (EBITDA + net personal contribution)","Interest Expenses","Debt Repayments","Interest Coverage Ratio (ICR) %","Debt Service Coverage Ratio (DSCR) %","Interest Coverage Ratio (ICR) Flag","Debt Service Coverage Ratio (DSCR) Flag","Application Status Flag","P&I Repayment","IO Repayment","Earning Before Interest, Tax, Depreciation & Ammortisation (EBITDA)"," Total Add Backs","Total Income Applicant 1","Total Income Applicant 2","Total Income Applicant 3","Total Income Applicant 4","Total Gross Annual Income of All Applicants","Tax Applicant 1","Tax Applicant 2","Tax Applicant 3","Tax Applicant 4","Tax offset for Low Income Earners Applicant 1","Tax offset for Low Income Earners Applicant 2","Tax offset for Low Income Earners Applicant 3","Tax offset for Low Income Earners Applicant 4","Total Net Annual Income Applicant 1","Total Net Annual Income Applicant 2","Total Net Annual Income Applicant 3","Total Net Annual Income Applicant 4","Total Net Annual Income of All Applicants","Total Taxable Income Applicant 1","Total Taxable Income Applicant 2","Total Taxable Income Applicant 3","Total Taxable Income Applicant 4","Total Taxable Income For All Applicants","Spouse Income Applicant 1","Spouse Income Applicant 2","Spouse Income Applicant 3","Spouse Income Applicant 4","Hem Living Expense Applicant 1","Hem Living Expense Applicant 2","Hem Living Expense Applicant 3","Hem Living Expense Applicant 4","Hem Living Expense Total","Customer Nominated Living Expenses","Used Living Expenses","Personal rent","Personal Debt","Baseline Assessment Rate","Assessment Loading","Credit Card Commitments","Workings for Negative Gearing","Other Mortgage Repayment Buffer","Rental Income Shading","Company Tax","Business income (EBITDA + net personal contribution)","Interest Expenses","Debt Repayments","Interest Coverage Ratio (ICR) %","Debt Service Coverage Ratio (DSCR) %","Interest Coverage Ratio (ICR) Flag","Debt Service Coverage Ratio (DSCR) Flag","Application Status Flag","Pass or Fail","Run Scenario Flag","Date Tested","Scenario","Sequence","Name ","Hem Living Expense Total V 5.5","Hem Living Expense Total New V","Difference","Tested "]
[1000000,0.05,"Full Doc",12,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,9248.9,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,120000,50000,110986.85,2.4,1.081209173895795,"PASS","FAIL","COMPLETE",9248.9,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,120000,50000,110986.85,2.4,1.081209173895795,"PASS","FAIL","COMPLETE",{"$f":"IF(AND(CC3=EF3,CD3=EG3,CE3=EH3,CF3=EI3,CG3=EJ3,CH3=EK3,CI3=EL3,CJ3=EM3,CK3=EN3,CL3=EO3,CM3=EP3,CN3=EQ3,CO3=ER3,CP3=ES3,CQ3=ET3,CR3=EU3,CS3=EV3,CT3=EW3,CU3=EX3,CV3=EY3,CW3=EZ3,CX3=FA3,CY3=FB3,CZ3=FC3,DA3=FD3,DB3=FE3,DC3=FF3,DD3=FG3,DE3=FH3,DF3=FI3,DG3=FJ3,DH3=FK3,DI3=FL3),\"Pass\",\"Fail\")","v":"Pass"},"Y","2020-09-17T13:21:29",null,"Case 1","Devika",0,0,{"$f":"FT3-FS3","v":0},"Y","Above HEM"]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,9248.9,4166.67,120000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,24000,32997.199999999997,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,98221.8,50000,110986.85,1.9644359176182054,0.88498588985800319,"PASS","FAIL","COMPLETE",9248.9,4166.67,120000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,24000,32997.199999999997,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,98221.8,50000,110986.85,1.9644359176182054,0.88498588985800319,"PASS","FAIL","COMPLETE",{"$f":"IF(AND(CC4=EF4,CD4=EG4,CE4=EH4,CF4=EI4,CG4=EJ4,CH4=EK4,CI4=EL4,CJ4=EM4,CK4=EN4,CL4=EO4,CM4=EP4,CN4=EQ4,CO4=ER4,CP4=ES4,CQ4=ET4,CR4=EU4,CS4=EV4,CT4=EW4,CU4=EX4,CV4=EY4,CW4=EZ4,CX4=FA4,CY4=FB4,CZ4=FC4,DA4=FD4,DB4=FE4,DC4=FF4,DD4=FG4,DE4=FH4,DF4=FI4,DG4=FJ4,DH4=FK4,DI4=FL4),\"Pass\",\"Fail\")","v":"Pass"},"Y",null,null,"Case 2","Devika",32650.19,32997.199999999997,{"$f":"FT4-FS4","v":347.0099999999984},"Y",null,"Current HEM correct"]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,9248.9,4166.67,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,50000,110986.85,2.9443800000000002,1.3264544447647086,"PASS","PASS","COMPLETE",9248.9,4166.67,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,50000,110986.85,2.9443800000000002,1.3264544447647086,"PASS","PASS","COMPLETE","Pass","Y",null,null,"Case 3","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[1000000,0.05,"Alt Doc",12,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,9248.9,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,120000,50000,110986.85,2.4,1.081209173895795,"PASS","FAIL","COMPLETE",9248.9,0,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,120000,50000,110986.85,2.4,1.081209173895795,"PASS","FAIL","COMPLETE","Pass","Y",null,null,"Case 4","Devika",0,0,0,"Y",null,"NO Family Status. HEM NIL"]
[1000000,0.05,"Alt Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,9248.9,4166.67,120000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,24000,32997.199999999997,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,98221.8,50000,110986.85,1.9644359176182054,0.88498588985800319,"PASS","FAIL","COMPLETE",9248.9,4166.67,120000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,24000,32997.199999999997,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,98221.8,50000,110986.85,1.9644359176182054,0.88498588985800319,"PASS","FAIL","COMPLETE","Pass","Y",null,null,"Case 5","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[830000,9.8470000000000002E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,9845.93,6810.84,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,81730.100000000006,118151.13,1.8012825140309383,1.246022771740553,"PASS","PASS","COMPLETE",9845.93,6810.84,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,81730.100000000006,118151.13,1.8012825140309383,1.246022771740553,"PASS","PASS","COMPLETE","Pass","Y",null,null,"Case 6","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[832000,9.8470000000000002E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,9869.65,6827.25,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,81927.039999999994,118435.83,1.7969525079875945,1.2430275246930997,"PASS","FAIL","COMPLETE",9869.65,6827.25,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,81927.039999999994,118435.83,1.7969525079875945,1.2430275246930997,"PASS","FAIL","COMPLETE","Pass","Y",null,null,"Case 7","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[1000000,9.8470000000000002E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,11862.56,8205.83,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,98470,142350.76,1.4950644866456788,1.0341989005446588,"PASS","FAIL","COMPLETE",11862.56,8205.83,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,98470,142350.76,1.4950644866456788,1.0341989005446588,"PASS","FAIL","COMPLETE","Pass","Y",null,null,"Case 8","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[1000000,9.8479999999999998E-2,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,11863.14,8206.67,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,98480,142357.67000000001,1.4949126726238831,1.0341487293022722,"FAIL","FAIL","COMPLETE",11863.14,8206.67,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,98480,142357.67000000001,1.4949126726238831,1.0341487293022722,"FAIL","FAIL","COMPLETE","Pass","Y",null,null,"Case 9","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[1000000,8.4400000000000003E-2,"Alt Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,11067.23,7033.33,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,84400,132806.82,1.7443009478672986,1.108519913348835,"FAIL","FAIL","COMPLETE",11067.23,7033.33,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,84400,132806.82,1.7443009478672986,1.108519913348835,"FAIL","FAIL","COMPLETE","Pass","Y",null,null,"Case 10","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[1000000,8.43E-2,"Alt Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,80000,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,10000,0,1000,11061.69,7025,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,84300,132740.24,1.7463701067615658,1.1090759209102476,"PASS","FAIL","COMPLETE",11061.69,7025,184000,0,30000,0,0,0,30000,2842,0,0,0,-645,0,0,0,27803,0,0,0,27803,30000,0,0,0,30000,0,0,0,0,32997.199999999997,0,0,0,32997.199999999997,48000,48000,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,147219,84300,132740.24,1.7463701067615658,1.1090759209102476,"PASS","FAIL","COMPLETE","Pass","Y",null,null,"Case 11","Devika",32650.19,32997.199999999997,347.0099999999984,"Y",null,"Current HEM correct"]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)",0,0,0,"N/A",0,0,0,2,0,0,0,55000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,9248.9,4166.67,120000,0,55000,0,0,0,55000,10522,0,0,0,-705,0,0,0,45183,0,0,0,45183,55000,0,0,0,55000,0,0,0,0,36867.74,0,0,0,36867.74,24000,36867.74,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,111731.26,50000,110986.85,2.2346251398216239,1.0067071672472139,"PASS","FAIL","COMPLETE",9248.9,4166.67,120000,0,55000,0,0,0,55000,10522,0,0,0,-705,0,0,0,45183,0,0,0,45183,55000,0,0,0,55000,0,0,0,0,36867.74,0,0,0,36867.74,24000,36867.74,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,111731.26,50000,110986.85,2.2346251398216239,1.0067071672472139,"PASS","FAIL","COMPLETE","Pass","Y",null,null,"Case 12","Paul",null,36867.74,36868,"Y",null,"Current HEM correct"]
[1000000,0.05,"Full Doc",15,3,0,0,0,0,0,0,0,0,0,0,0,0,50000,70000,0,0,0,0,0,0,"Individual (Couple)","Individual (Single)",0,0,"N/A",0,0,0,2,0,0,0,55000,100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,10000,0,1000,9248.9,4166.67,120000,0,55000,100000,0,0,155000,10522,26497,0,0,-705,-380,0,0,45183,73883,0,0,119066,55000,100000,0,0,155000,0,0,0,0,36867.74,24071.98,0,0,60939.72,24000,60939.72,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,161542.28,50000,110986.85,3.2308456347484826,1.4555083082213509,"PASS","PASS","COMPLETE",9248.9,4166.67,120000,0,55000,100000,0,0,155000,10522,26497,0,0,-705,-380,0,0,45183,73883,0,0,119066,55000,100000,0,0,155000,0,0,0,0,36867.74,24071.98,0,0,60939.72,24000,60939.72,0,16584,5.5E-2,2.5000000000000001E-2,3.8199999999999998E-2,3.6700000000000003E-2,1.25,0.8,0.26,161542.28,50000,110986.85,3.2308456347484826,1.4555083082213509,"PASS","PASS","COMPLETE","Pass","Y",null,null,"Case 13","Paul",null,60939.72,60939.839999999997,"Y",null,"Current HEM correct"]

{"sheet":"User Guide - Commercial","index":11,"n_rows":42,"n_cols":2,"rows_kept":42,"cut":false,"hidden":true,"merged":[]}
["CRE Servicing Calculator"]
[]
["Field Name","Instruction"]
["Clear Form (BUTTON)","Allows the user to clear all fields in the calculator"]
["Applicant name","Applicants name"]
["New Loan Amount","Mandatory field - total loan amount including any capitalised fees"]
["Interest Rate","Mandatory field - actual interest rate of the proposed loan"]
["Documentation Type","Mandatory field - identify whether FullDoc or AltDoc or LeaseDoc income documentation"]
["Loan Term (Years)","Mandatory field -  the total loan term of the proposed loan (maximum term 25 years)"]
["I/O Term (Years)","The interest only term of the proposed loan. Left blank if not applicable (maximum term 5 years allowed)"]
["Loan 1-4 Loan Amount","Outstanding loan amount of external business loan"]
["Loan 1-4 Rate","Current interest rate of external business loan"]
["Loan 1-4 Actual Loan Repayment (Monthly)","Current monthly loan repayments under contract for external business loan"]
["Net Profit before Tax","Net Profit Before Tax per annum from business activities of applicant"]
["Depreciation","Depreciation expense per annum from the business activities of applicant (obtained from Profit & Loss statements)"]
["Proposed Net CRE Rental Income","100% of CRE rental income after outgoings paid for by landlord"]
["Amortisation","Amortisation expense per annum from business activities of the applicant (obtained from Profit & Loss statements)"]
["Proposed Gross Residential Rental Income","100% of gross residential rental income if to be received by the business"]
["Interest Paid","Actual interest paid per annum from the business (obtained from Profit & Loss statements)"]
["Directors Salaries/Fees/Super","Actual Directors Salaries/Fees/Superannuation payments per annum paid by the business activities of the applicant (obtained from Profit & Loss statements/personal tax returns). CARE: do not duplicate in personal income"]
["Other","Actual expenses per annum which are non-recurring and are paid by the business activities of the applicant (obtained from Profit & Loss statements)"]
["Earnings before Interest, Tax, Depreciation & Amortisation (EBITDA)","Formula: Summation of all business income and addbacks subject to 80% (Proposed Gross residential Rental Income)"]
["Total Add Backs","Formula: Summation of all add backs"]
["Status","For each applicant of the loan, what is their marital status. "]
["Couple With","Links applicants who are a couple for household income band selection for living expense benchmark. This field must be correctly completed for both individuals of a couple, where one member of a couple is not correctly linked the living expense will be calculated as an additional couple living expense. Drop down selection N/A, Non-Loan Party or Applicant “X” when another Applicant is applied with a Couple status"]
["Dependents","Number of child dependents, aged < 18, the Applicant has. Each dependent child must only be entered once per couple. If a dependent is entered for both individuals of a couple, that dependent will be counted twice."]
["Gross Annual Income","Gross annual income of applicant from acceptable taxable income sources external to business income. Do NOT include Directors Fees/Salary/Super if included in addbacks."]
["Untaxed Allowable Income","Income from acceptable untaxed income sources. Tax is not calculated on this income."]
["Gross Residential Rental Income (Other)","Rental income entered at 100%. For the purposes of allowable income for serviceability, 80% of this income is used for servicing. Care: do NOT enter if income has been included under Business Income."]
["Investment Property Loan Balance (personal name)","This is the total balance of investment loans held by the applicant. For tax purposes, negative gearing will be applied to the calculated taxable income. For company applicants, if this interest has been calculated in the SEIC then this field should not be populated."]
["Declared Living Expenses","Total personal living expenses per month declared by the customer (sum of all applicants declared living expenses)"]
["Rent/Board","Rental or board expense paid by the customer."]
["Total Credit Card Limit","Total credit card limit of all continuing credit cards."]
["Personal Mortgage Repayments","Mortgage repayments of any Personal continuing mortgage repayments."]
["Other Consumer Debt","Any other commitments the borrower has such as personal loans, child support, HEC’s."]
["Business Income (EBITDA + net personal contribution)","Formula: EBITDA plus Net Personal Contribution "]
["Interest Expenses","Formula: Total Interest Expenses per annum for all business debt (Pepper and external), including existing and proposed business loans"]
["Debt Repayments","Formula: Total contracted business debt repayments per annum including Proposed loan (if applicable, would include P&I repayments over residual term after any interest only period)"]
["Interest Cover Ratio (ICR)","Formula: Business Income divided by Interest Expenses"]
["ICR Outcome","Formula: All mandatory fields to be completed otherwise shows incomplete, where ICR < 1.5 (Full Doc) or <1.75 (Alt Doc) then result is FAIL otherwise result is PASS  "]
["Debt Service Coverage Ratio (DSCR)","Formula: Business Income divided by debt repayments"]
["DSCR Outcome","Formula: All mandatory fields to be completed otherwise shows incomplete, where ICR < 1.25 then result is FAIL otherwise result is PASS"]

{"sheet":"User Guide - Residential","index":12,"n_rows":39,"n_cols":2,"rows_kept":39,"cut":false,"hidden":true,"merged":[[20,1,21,1]]}
["User Guide - Residential Serviceability Calculator"]
[]
["Field Name","Instruction"]
["Clear Form (BUTTON)","Allows the user to clear all input fields in the calculator"]
["Applicant Name","Applicants name"]
["New Loan Amount","Mandatory field - Total loan amount including any capitalised fees"]
["Interest Rate","Mandatory field - Actual interest rate of the proposed loan "]
["Loan Term","Mandatory field - The total loan term of the proposed loan (cannot exceed 30 years on Prime or 40 years on Near Prime or Specialist products) "]
["I/O Term","The interest only term of the proposed loan. Leave blank if not applicable (will not allow IO term to exceed 5 years)"]
["Status","Mandatory field - For each applicant of the loan, what is their marital status. Drop down selection of Single, Couple, Company. Note, if Company status all income will be calculated based on Company tax rates. "]
["Couple with","Mandatory field - Links applicants who are a couple for household income band selection for living expense benchmark. \nThis field must be correctly completed for both individuals of a couple, where one member of a couple is not correctly linked the living expense will be calculated as an additional couple living expense.\nDrop down selection N/A, Non-Loan Party or Applicant “X” when another Applicant is applied with a Couple status"]
["Dependents","Number of child dependents, aged < 18, the Applicant has. Each dependent child must only be entered once per couple. If a dependent is entered for both individuals of a couple, that dependent will be counted twice."]
["Gross Annual Income","The applicants income from acceptable taxable income sources"]
["Untaxed Allowable Income","Income from acceptable untaxed income sources such as Centrelink allowances. Tax is not calculated on this income"]
["Self Employed Income","Income from self-employed activities, this income is taxed at personal tax rates and should not be duplicated if this income has already been entered in Gross Annual Income. \nOptional Macro: Where the SEIC has been used and “Apply Values to Servicing Calculator” macro executed, this field will populate with the results from the SEIC"]
["Addbacks","Allowable addbacks to be entered such as depreciation or non-recurring expenses.\nOptional Macro: Where the SEIC has been used and “Apply Values to Servicing Calculator” macro executed, this field will populate with the results from the SEIC"]
["Business NPBT","Self employed income that is to be taxed at company tax rates."]
["Self-Employed Worksheet (BUTTON)","Takes user to the SEIC tab"]
["Gross Rental Income","Rental income entered at 100%. For the purposes of allowable income for serviceability, 80% of this income is used for servicing."]
["Investment Property Loan Balance","This is the total balance of investment loans held by the applicant. For tax purposes, negative gearing will be applied to the calculated taxable income. For company applicants, if this interest has been calculated in the SEIC then this field should not be populated."]
["Owner occupied property costs including utilities, rates & expenses","Mandatory fields - Include council rates, water, gas & electricity utility bills and body corporate fees where applicable for property owned by the applicant. Assessment should account for these expenses giving account to the type of property (location, house or unit and size). "]
["Investment property costs including utilities, rates & expenses"]
["Renter property costs","Mandatory field - Include water, gas & electricity bills if the applicant is renting. Assessment should account for these expenses giving account to the type of property (location and size). "]
["Telephone, internet, Pay TV & media streaming","Mandatory field - Unless an applicant has a mobile phone supplied by their employer, it is expected that each applicant would have a mobile phone expense. If they have a home phone number, they may have a ‘bundle’ with a telco which includes internet."]
["Groceries","Mandatory field - It is expected that all applicants will have a grocery expense that is reasonable for their family unit size. "]
["Recreation & Entertainment","Mandatory field - It is expected that all applicants will have some form of recreation & entertainment cost. This includes alcohol, tobacco, gambling, restaurants and membership fees."]
["Clothing & Personal Care","Mandatory field - It is expected that all applicants will have clothing and personal care expenses that is reasonable for their family unit size. "]
["Medical & Health","Mandatory field - As an applicant’s age increase it is expected that medical and health costs will increase. In some case this cost may be $0 however given the customers circumstance it should be understood why through additional inquiry."]
["Transport","Mandatory field - It is expected that all applicants will have a transport cost that is reasonable for their assets and employment position. What are the running costs of each car owned including petrol and servicing or what are the costs of public transport where they commute for work. \nOne exception may be where an applicant has one car only which is provided by their employer or running costs are already include in novated lease payments."]
["Education","Mandatory field - Where the applicant(s) has school aged children is the declared amount reasonable to cover schools fees, uniform costs and books (if high school). Does the affluency of the applicant indicate that their children may attend a private school, if so, has this been declared by the customer. "]
["Childcare ","Mandatory field - Where the applicant(s) has pre-school aged children and all applicants work, has a child care cost been included that is reasonable for the location accounting for any rebate that may be due. Where this is applicable and declared expense is $0 additional inquiry needs to be made."]
["Insurance","Mandatory field - Do the below insurances apply to the applicant(s) and have they been accounted for:\n- House owners with home insurance\n- Car owners (accounted for each car)\n- Private Health - particularly where income is > $90,000 and applicant is single or > $180,000 for families\n- Income and life insurance \n- Pet insurance \n"]
["Other","Mandatory field - This is to capture unique items not covered for in the above categories that may be applicable to the applicant(s)."]
["Rent/Board","Rental or board expense paid by the customer."]
["Total Credit Card Limit","Total credit card limit of all continuing credit cards."]
["Other Mortgage Repayments","Mortgage repayments of any other continuing mortgage repayments."]
["Other Liabilities","Any other commitments the borrower has such as personal loans, child support, HEC’s."]
["Eligible Loan Amount","Where the NSR = FAIL an offer as to the maximum loan amount the customer can qualify for to pass the minimum NSR of 1x or 1.25x if > 50% of income is from untaxed sources. Otherwise the applied loan amount is shown."]
["Maximum Serviceable Loan Amount","This is an indication of the maximum loan amount that the borrower can service. "]

{"sheet":"User Guide - SEIC","index":13,"n_rows":28,"n_cols":2,"rows_kept":28,"cut":false,"hidden":true,"merged":[]}
["User Guide - Self Employed Income Calculator (SEIC)"]
[]
["Field Name","Explanation"]
["Clear Form (BUTTON)","Allows the user to clear all fields in the calculator"]
["Apply Values","Applies outputs from Self- employed income Calc into the Servicing Calculator"]
["Return to Calculator (BUTTON)","Returns to Servicing Calculator."]
["Financials for year ended Most Recent Year","Year financial year ends of financial statement period"]
["Financials for year ended Previous Year","Year financial year ends of financial statement period"]
["Gross Business Income","Gross business income off Profit and Loss statement"]
["Less Expenses","Total expenses including COGS from Profit and Loss statement"]
["Plus Superannuation over 9.5%","Discretionary superannuation paid >9.5% of wages from Profit and Loss statement"]
["Plus Depreciation","As advised in Profit and Loss statement"]
["Interest /Leasing Charges","As advised in Profit and Loss statement"]
["Ongoing Loan Repayments","Business loan repayments that will continue after the settlement of subject Pepper loan"]
["Director Wages Applicant 1","Wages paid to director"]
["Director Wages Applicant 2","Wages paid to director"]
["Director Wages Applicant 3","Wages paid to director"]
["Director Wages Applicant 4","Wages paid to director"]
["Director Wages Applicant 5","Wages paid to director"]
["Director Wages Applicant 6","Wages paid to director"]
["Applicants Entitlement/Applicant 1","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 2","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 3","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 4","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 5","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 6","% ownership of  this applicant of Business/Company or Trust"]
["Apply Values (BUTTON)","Applies outputs from SELF employed income calc into residential Servicing calculator"]
["Return To Calculator (BUTTON)","Returns to Servicing Calculator Tab"]

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["UNDERWRITER NOTES",null,null,"INSTRUCTIONS",null,null,"CONDITIONS"]
["Loan Amount - Requested: ",null,null,"Loan amount requested by customer at application. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc"]
["Loan Amount - Approved:  ",null,null,"Loan amount approved as a result of this assessment.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc PLUS"]
["LPF / MRF: ",null,null,"LPF or MRF applicable to the approved loan amount.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc (Construction)"]
["Loan Amount - Final:   ",null,{"$f":"C3+C4","v":0},"Loan amount including any capitalised fees. This amount is to be entered into the Servicing Calculator for credit assessment purposes. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc PLUS (Construction)"]
["Security Estimate:",null,null,"Security value amount used for LVR calculation. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc",null,null,null,null,null,null,null,null,null,"Have adopted Pepper’s minimum living expenses allowance as considered more reasonable than borrower advised amount","Have adopted Pepper’s minimum living expenses allowance as considered more reasonable than borrower advised amount"]
["LVR - Initial: ",null,{"$f":"C3/C6","v":{"$error":"#DIV/0!"}},"LVR based on loan amount before capitalised fees. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc PLUS"]
["LVR - Final: ",null,{"$f":"C5/C6","v":{"$error":"#DIV/0!"}},"Total LVR based on loan amount plus capitalised fees. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc (Construction)"]
["Global Exposure if other loans held",null,null,"Total Loan Amount and Total LVR of all Pepper exposure held. If this is the only loan \"No other exposure held\"",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc PLUS (Construction)"]
["NSR **Min. 1.35x when end LVR >90%**: ",null,{"$f":"D10","v":0},{"$f":"ResiAssessmentNSR","v":0},"NSR based on total loan amount (plus capitalised fees if applicable). Cannot be < 1x or where LVR > 90% cannot be < 1.35x or where income from government support is > 50% of total income cannot be <1.25x. ",null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Fulldoc",null,null,null,null,null,null,null,null,null,null,"PEP checks verified.  Matches addressed and explained.  If EDD was completed - what information was collected and how was it verified."]
["Customers Requirements & Objectives:",null,null,"Comment on what the customers objective with the loan purpose is and whether the proposed loan meets the product requirements captured on the CRO form. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Fulldoc PLUS"]
["Customer Benefit:",null,null,"What advantage is the customer receiving from the loan purpose and does this match with the Customers Requirements and Objectives.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Altdoc"]
["Product:",null,null,"Product that is recommended for approval. If this is different to what the customer has applied for then comment as to why it still meets the Customers Requirements and Objectives.",null,null,"Can attach here your Rate Card, LPF Calc, Postcode search etc…",null,null,null,null,null,null,null,null,null,null,"Near Prime Altdoc PLUS",null,null,null,null,null,null,null,null,"Rec for Approval. have made reasonable enquiries to verify that the product will not be unsuitable to the customers’ requirements and objectives and the loan will not cause the customer substantial hardship.  This assessment is valid for 90 days.",null,"Rec for Approval. have made reasonable enquiries to verify that the product will not be unsuitable to the customers’ requirements and objectives and the loan will not cause the customer substantial hardship.  This assessment is valid for 90 days."]
["Interest Only? (If O/O then document reason): ",null,null,"Why the applicant is seeking interest only  and whether the reasons are reasonable based on customers requirements and objectives, the purpose of the loan and the customers circumstances.  ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Fulldoc (Construction)"]
["Security Category:",null,null,"What is the security property location Category? If Prime and requires Metro category note here. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Altdoc (Construction)"]
["High Density Area?",null,null,"Is the security property a unit in a high density postcode with more than 35 units?",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Fulldoc",null,null,null,null,null,null,null,null,null,null,"Prime Full Doc"]
["Fraud check:",null,null,"What is the outcome of the Equifax Fraud check in NextGen? If a match, to be referred to Senior or Team Leader to investigate the match. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Fulldoc PLUS",null,null,null,null,null,null,null,null,null,null,"Prime Alt Doc"]
["PEP & Sanctions check: ",null,null,"Is the applicant confirmed as being on the PEP or Sanctions register (not a potential match). If a match refer to dedicated team member for enhanced search. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Altdoc",null,null,null,null,null,null,null,null,null,null,"Prime PLUS Full Doc"]
["ID document is clear and valid? ",null,null,"Have the correct, clear  identification documents and Customer Identification form been completed correctly, signed?",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Altdoc PLUS",null,null,null,null,null,null,null,null,null,null,"Prime PLUS Alt Doc"]
["Company & Trust Loans (>25% Owned): ",null,null,"Non-individual entities: Has the correct information and documentation been collected to verify the customer to ensure we meet our AML obligations including the verification of identity of beneficial owners."]
["Credit file summary:",null,null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  If there are items that don't match the profile of the customer e.g. customer aged 50 and new credit file, document investigations completed.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Full Doc"]
["Applicant 1 Income:",null,null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants business do. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Alt Doc"]
["Applicant 2 Income:",null,null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants business do. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Full Doc"]
["Exit Strategy",null,null,"If the applicants are older than 50 years of age and the loan term exceeds the standard retirement age (67) of the oldest income reliant borrower an exit strategy of how the borower(s) will continue to meet their repayment obligations must be obtained. The borrower(s) exit strategy must be documented and the credit notes included as to why the exit strategy has been deemed reasonable and consistent with Customer's requirements and objectives.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Alt Doc"]
["Rental Income:",null,null,"Comment on what rental income is received and used in assessment and how was it verified. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist PLUS Full Doc"]
["Conduct assessed (Refinance):",null,null,"Refinance: Comment on conduct of any loans that are being refinanced and where adverse conduct exists why and mitigation. Confirm that 6 months statements held. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist PLUS Alt Doc"]
["Funds to complete (Purchase):",null,null,"Purchase: Comment on where the funds to complete are coming from and have been verified. Have 5% genuine savings been verified on Prime > 90%"]
["Declared Living Expense ",{"$f":"Residential!R41","v":0},null,"Comment on whether DLE or benchmark has been relied upon and assessment to be made as to whether or not the declared living expenses are realistic and if so why. Where a declared living expense appears unrealisitc, is zero, or the declared living expense are less than 80% of benchmark, additional inquiry must be made with the broker / borrower and subsequently assessed. If the ratio is substantially over 100%, check if applicant has not doubled up anywhere eg included finance cost on property categories. If bank statements are provided comment on how the transactions on those statement support the DLE."]
["Living Expense Benchmark",{"$f":"SUM(Residential!E40:O40)","v":0}]
["Declared Living Expense % of Benchmark",{"$f":"Residential!R41/SUM(Residential!E40:O40)","v":{"$error":"#DIV/0!"}}]
["Living expense assessment:","Property costs",null,{"$f":"Residential!G50","v":0},{"$f":"[1]Servicing_Calculator!B13","v":"Owner occupied property utilities, rates & costs"},"Include council rates, water, gas & electricity utility bills and body corporate fees where applicable for property owned by the applicant. Assessment should account for these expenses giving account to the type of property (location, house or unit and size). "]
[null,null,null,{"$f":"Residential!G51","v":0},{"$f":"[1]Servicing_Calculator!B14","v":"Investment property utilities, rates & costs"}]
[null,null,null,{"$f":"Residential!G52","v":0},{"$f":"[1]Servicing_Calculator!B15","v":"Rented property costs"},"Include water, gas & electricity bills if the applicant is renting. Assessment should account for these expenses giving account to the type of property (location and size). "]
[null,"Living Expenses",null,{"$f":"Residential!G53","v":0},{"$f":"[1]Servicing_Calculator!B16","v":"Telephone, Internet, pay TV & media streaming"},"Unless an applicant has a mobile phone supplied by their employer, it is expected that each applicant would have a mobile phone expense. If they have a home phone number, they may have a ‘bundle’ with a telco which includes internet."]
[null,null,null,{"$f":"Residential!G54","v":0},{"$f":"[1]Servicing_Calculator!B17","v":"Groceries"},"It is expected that all applicants will have a grocery expense that is reasonable for their family unit size. "]
[null,null,null,{"$f":"Residential!G55","v":0},{"$f":"[1]Servicing_Calculator!B18","v":"Recreation & Entertainment"},"It is expected that all applicants will have some form of recreation & entertainment cost. This includes alcohol, tobacco, gambling, restaurants and membership fees."]
[null,null,null,{"$f":"Residential!G56","v":0},{"$f":"[1]Servicing_Calculator!B19","v":"Clothing & Personal Care"},"It is expected that all applicants will have clothing and personal care expenses that is reasonable for their family unit size. "]
[null,null,null,{"$f":"Residential!G57","v":0},{"$f":"[1]Servicing_Calculator!B20","v":"Medical & Health"},"As an applicant’s age increase it is expected that medical and health costs will increase. In some case this cost may be $0 however given the customers circumstance it should be understood why through additional inquiry."]
[null,null,null,{"$f":"Residential!G58","v":0},{"$f":"[1]Servicing_Calculator!B21","v":"Transport"},"It is expected that all applicants will have a transport cost that is reasonable for their assets and employment position. What are the running costs of each car owned including petrol and servicing or what are the costs of public transport where they commute for work. One exception may be where an applicant has one car only which is provided by their employer or running costs are already include in novated lease payments."]
[null,null,null,{"$f":"Residential!G59","v":0},{"$f":"[1]Servicing_Calculator!B24","v":"Insurance"},"Do the below insurances apply to the applicant(s) and have they been accounted for:\n- House owners with home insurance\n- Car owners (accounted for each car)\n- Private Health - particularly where income is > $90,000 and applicant is single or > $180,000 for families\n- Income and life insurance \n- Pet insurance "]
[null,null,null,{"$f":"Residential!G60","v":0},{"$f":"[1]Servicing_Calculator!B25","v":"Other"},"This is to capture unique items not covered for in the above categories that may be applicable to the applicant(s)."]
[null,"Children",null,{"$f":"Residential!G61","v":0},{"$f":"[1]Servicing_Calculator!B22","v":"Education"},"Where the applicant(s) has school aged children is the declared amount reasonable to cover schools fees, uniform costs and books (if high school). Does the affluency of the applicant indicate that their children may attend a private school, if so, has this been declared by the customer. \n\n"]
[null,null,null,{"$f":"Residential!G62","v":0},{"$f":"[1]Servicing_Calculator!B23","v":"Childcare "},"Where the applicant(s) has pre-school aged children and all applicants work, has a child care cost been included that is reasonable for the location accounting for any rebate that may be due. Where this is applicable and declared expense is $0 additional inquiry needs to be made."]
["Valuation: ",null,null,"COS/Estimate $Amount Date \nVAL $Amount Date \nCAT \nResidential Zoning?\nEssential Repairs? \nRisk ratings XXXX \nComp Sales XXXX \nSelling period within six months? \nAddressed to Pepper in Lender Specific Info? \nComments\n\nAcceptable Security: Yes/No"]
["Other:"]
["Exceptions:",null,null," conclusion and "]
["COVID-19 impact assessment\n\n",null,null,"Comment here on if and how COVID-19 will impact applicant's income, including how long the impact is expected to last. \nIs the impact indusrty wide or specific to this business or emloyment?\nAlso include cusatomer's plans to overcome or minimise the impact.\nMake a \"Proceed/Do Not Proceed conclusion and give your reasons.\n"]
["Recommendation (if assessor is not the DCA approver):",null,null,"If approval recommendation:\nRecommend for Approval. I have made reasonable enquiries to verify that the product will not be unsuitable to the customers’ requirements and objectives and the loan will not cause the customer substantial hardship.  "]
["Approval note:\n",null,null,"If assessor is the approver:\nApproval granted under my DCA. I have made the assessment and confirm that reasonable enquiries to verify that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. \nIf approver was not the assessor:\nApproval granted under my DCA. I have reviewed the assessment and confirm that reasonable enquiries to verify that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. \nFinal assessment made at the time of final approval:\nApproval granted under my DCA. I have confirm that reasonable enquiries to verify the customers financial situation and that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. "]
["ABN search(s)",null,null,"Space for ABN search if not copied directly into NextGen."]
[]
[]
["COMPLIANCE: "]
["Privacy Dec held: "]
["CRO & Features required: "]
["Customer Identification Form: "]
["Is the Borrower a Trust?","Yes",{"$f":"IF(B57=\"Yes\", \"Proceed to Trust Checklist at cell M1 in Workings Tab\", \" \")","v":"Proceed to Trust Checklist at cell M1 in Workings Tab"}]
[]
["SE CHECK COMPLETE:"]
["CUSTOMER ID'D:"]
["Confirm requirements and objectives and benefit:\nIn reviewing the application, your requirements are (a) interest only payments, (b) lowest interest rate and objectives are to purchase the property at ......(address); or (b) refinance the debt with (lender); and/or (c) consolidate debt (i), (ii), (iii) etc . Is this correct? Are there any other requirements and objectives?"]
["Business operated and how long:"]
["Income confirmed:\nDo you expect an increase or decrease in your income over the next 3 years.  If a decrease, describe events that would cause this and your strategy to maintain your repayments / details of your exit strategy."]
["Confirm loan amount, product, interest rate & repayment with the borrower:\nIf there is an indication on the application which suggests financials are avilable for the borrower, we need to question if they are availble, therefore advising they are entitled to a different product (Full Doc)."]
["Any other info:"]
[]
[]
[null,"ACCOUNTANT CHECK COMPLETE:"]
[]
[null,"Called XXXX (verified on TPB - registration number XXXX) on phone number XXXX (internet site)"]
[null,"Confirmed prepared accounts since year XXXX"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"Other:"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Yes"]
[null,"No"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Proceed"]
[null,"Do Not Proceed"]

{"sheet":"Assessment Notes - Commercial","index":15,"n_rows":63,"n_cols":3,"rows_kept":63,"cut":false,"hidden":false,"merged":[[52,0,52,1],[0,2,0,3],[41,0,41,2],[42,0,42,1],[43,0,43,1],[44,0,44,1],[46,0,46,2],[47,0,47,1],[48,0,48,1],[49,0,49,1],[50,0,50,1],[51,0,51,1],[61,1,61,2],[62,1,62,2],[55,1,55,2],[56,1,56,2],[57,1,57,2],[58,1,58,2],[59,1,59,2],[60,1,60,2]]}
["UNDERWRITER NOTES- Commercial",null,"INSTRUCTIONS"]
["Background",null,"Summary of applicants background and business operation.Borrowing History, Lender,Industry Type, Industry Outlook, Management Experience"]
["Purpose",null,"To state whether the asset will be owner occupied or Investment. What is the reason for the money being borrowed. ( ie refinance from XXXBank)"]
["Loan Amount:",null,"Loan amount approved as a result of this assessment"]
["Global Exposure",null,"Total Loan Amount of all Pepper exposure held. If this is the only loan state \"No other exposure held\""]
["Loan term. Interest Only Term",null,"Loan structure . Ie Total loan term and term of interest only"]
["Security Estimate:",null,"Security value amount used for LVR calculation. "]
["NCCP- Yes or No- ",null,"If answered YES use Residential underwriting template"]
["Asset Class",null,"Description of asset class of security. Office, Medical, Retail, Industrial, Industrial Land, Mixed Residential/Commercial, Child Care, Boarding Houses."]
["Address",null,"Address of property being offered as security"]
["Location- Cat 1 or 2",null,"What is the security Property location category?"]
["LVR:",null,"LVR based on loan amount"]
["ICR",null,"Interest cover ratio as per output of Servicing Calculator. Min 1.50 times for Full doc loan and 1.75 times for Alt doc loan"]
["DSCR ",null,"Debt Service ratio as per outcome of Servicing Calculator. **Min 1.25 times for both Full Doc and Alt doc loans."]
["Product:",null,"Product that is recommended for approval. If this is different to what the customer has applied for then comment as to why "]
["Rental Terms: ",null,"Has a tenancy schedule been completed and attached. Does lease term align with expiry of loan if rental forms >50% of total available income to service."]
["Valuation Reviewed. ",null,"Valuation reviewed and acceptable. Refer separate valuation review checklist. Please comment on industry that the tenant is involved in."]
["Fraud Check on Directors",null,"What is the outcome of the Equifax Fraud check in NextGen? If a match, to be referred to Senior Manager to investigate the match"]
["PEP & Sanctions checked:",null,"Is the director/s  confirmed as being on the PEP or Sanctions register (not a potential match). If a match refer to dedicated team member for enhanced search. "]
["ID Document is clear and valid",null,"Have the correct, clear  identification documents and Customer Identification form been completed correctly, signed?"]
["Company & Trust Loans - Beneficial owner with greater than 25% ownership: ",null,"Non-individual entities: Has the correct information and documentation been collected to verify the customer to ensure we meet our AML obligations including the verification of identity of beneficial owners."]
["Directors Guarantee",null,"Is a directors guarantee being taken as part of security?"]
["Guarantors/Sponsors Statement of position",null,"Summary of assets and liabilities of . State main assets (ie home, car, etc) Excess assets over liabilities. State how applicant could meet a call of the guarantee."]
["Supporting Income",null,"What entity and supporting income included in loan assessment"]
["Equifax /commercial search.",null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  If there are items that don't match the profile of the customer e.g. customer aged 50 and new credit file, document investigations completed.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Is a PPSR being taken as part of our security.",null,"Does the equifax search reveal a registered interest. State why a party has a secured interest over applicants property and how this could effect our interest."]
["APP 1 Veda",null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Guarantor 1 Income checked:",null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants industry do."]
["APP 2 Veda",null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities."]
["Guarantor 2 Income checked:",null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants industry do."]
["Conduct assessed (Refinance)",null,"Refinance: Comment on conduct of any loans that are being refinanced and where adverse conduct exists why and mitigation. Confirm that 6 months statements held. "]
["Funds to complete ( Purchase):",null,"Purchase: Comment on where the funds to complete are coming from and have been verified. "]
["Other:"]
["Exceptions:",null,"Identify any exceptions and mitigation for the exception approval.  Exceptions required to be approved by Challenger"]
["Exception Register updated",null,"Has the exception to correctly recorded."]
["Conditions Precedent and subsequent",null,"Conditions that are to be included as part of the loan conditions both prior to loan draw down and post loan drawdown."]
["Recommendation:",null,"Recommendation of the deal if not with your DCA \" This file is recommended for approval.\""]
["Joint Approvers Notes",null,"\" This file is jointly approved \" "]
["App1 ABN: "]
["App2 ABN: "]
[]
["COMPLIANCE: "]
["Privacy Dec held: "]
["CRO & Features required: "]
["Customer Identification Form: "]
[]
["SE CHECK COMPLETE:"]
["CUSTOMER ID'D:"]
["Confirm requirements and objectives and benefit:\nIn reviewing the application, your requirements are (a) interest only payments, (b) lowest interest rate and objectives are to purchase the property at ......(address); or (b) refinance the debt with (lender); and/or (c) consolidate debt (i), (ii), (iii) etc . Is this correct? Are there any other requirements and objectives?"]
["Business operated and how long:"]
["Income confirmed:\nDo you expect an increase or decrease in your income over the next 3 years.  If a decrease, describe events that would cause this and your strategy to maintain your repayments / details of your exit strategy."]
["Confirm loan amount, product, interest rate & repayment with the borrower:\nIf there is an indication on the application which suggests financials are available for the borrower, we need to question if they are available, therefore advising they are entitled to a different product (Full Doc)."]
["Any other info:"]
[]
[]
[]
[null,"ACCOUNTANT CHECK COMPLETE:"]
[]
[null,"Called XXXX (verified on TPB - registration number XXXX) on phone number XXXX (internet site)"]
[null,"Confirmed prepared accounts since year XXXX"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"Other:"]

{"sheet":"Cashflow Sensitivity Model","index":16,"n_rows":35,"n_cols":12,"rows_kept":35,"cut":false,"hidden":false,"merged":[[1,3,1,5]]}
["Cashflow Sensitivity Model",null,"Actuals","Best Case","Mid Case","Worst Case"]
[null,null,null,"Reductions in Sales of",null,null,null,null,null,null,null,"Scenarios"]
[null,null,null,0.1,0.25,0.5,"Select",null,null,null,null,"1. reduction in sales volume"]
["Sales",null,500,{"$f":"$C4*(1-D3)","v":450},{"$f":"$C4*(1-$E$3)","v":375},{"$f":"$C4*(1-$F$3)","v":250},"Enter actual sales in highlighted cell",null,null,null,null,"2. reduction in sales prices"]
[null,null,null,null,null,null,null,null,null,null,null,"3. both 1 and 2"]
["COGS",null,{"$f":"C4-C7","v":200},{"$f":"D4-D7","v":202.49999999999997},187.5,137.5]
["Gross Profit $",null,{"$f":"C8*C4","v":300},{"$f":"D8*D4","v":247.50000000000003},187.5,112.5]
["Gross Profit Margin %",null,0.6,0.55000000000000004,0.5,0.45,"Select"]
[]
["Other Variable Expenses"]
["Advertising & Marketing",null,5,{"$f":"$C11*(1-$D$3)","v":4.5},{"$f":"$C11*(1-$E$3)","v":3.75},{"$f":"$C11*(1-$F$3)","v":2.5}]
["Sub-Total",null,{"$f":"SUM(C10:C11)","v":5},{"$f":"SUM(D10:D11)","v":4.5},{"$f":"SUM(E10:E11)","v":3.75},{"$f":"SUM(F10:F11)","v":2.5}]
[]
["Fixed Expenses"]
["Salaries & Wages",null,1,1,1,1]
["Insurances",null,2,2,2,2]
["Superannuation",null,3,3,3,3]
["Property Expenses",null,4,4,4,4]
["Maintenance",null,5,5,5,5]
["Office Supplies",null,6,6,6,6]
["Professional Services",null,7,7,7,7]
["Interest",null,8,8,8,8]
["Leasing",null,9,9,9,9]
["Transport Costs",null,10,10,10,10]
["LHP",null,11,11,11,11]
["Sub-Total",null,{"$f":"SUM(C14:C25)","v":66},{"$f":"SUM(D14:D25)","v":66},66,66]
[]
["NPBT",null,{"$f":"C4-C6-C26-C12","v":229},{"$f":"D4-D6-D26-D12","v":177.00000000000003},117.75,44]
["NPBT %",null,{"$f":"C28/C4","v":0.45800000000000002},{"$f":"D28/D4","v":0.39333333333333342},{"$f":"E28/E4","v":0.314},{"$f":"F28/F4","v":0.17599999999999999}]
["NPAT",null,{"$f":"C28-C29","v":228.542},{"$f":"D28-D29","v":176.60666666666668},117.43600000000001,43.823999999999998]
[]
[]
["% Reduction in Sales",null,null,{"$f":"D3","v":0.1},{"$f":"E3","v":0.25},0.5]
["% Change in GP Ratio",null,null,{"$f":"(D8-C8)/C8","v":-8.3333333333333232E-2},{"$f":"(E8-D8)/D8","v":-9.0909090909090981E-2},-9.9999999999999978E-2]
["% Change in NPBT",null,null,{"$f":"(D28-C28)/C28","v":-0.22707423580786013},{"$f":"(E28-C28)/C28","v":-0.48580786026200873},{"$f":"(F28-C28)/C28","v":-0.80786026200873362}]

{"sheet":"YTD","index":17,"n_rows":17,"n_cols":8,"rows_kept":17,"cut":false,"hidden":false,"merged":[[0,0,0,6],[6,0,6,6],[12,0,12,6]]}
["YEAR-TO-DATE INCOME CALCULATOR"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
["2018-07-01",null,{"$f":"B5-A5","v":-43282},{"$f":"C5/7","v":-6183.1428571428569},null,{"$f":"E5/D5","v":0},{"$f":"F5*52","v":0},{"$f":"G5/52*48","v":0}]
[]
["YEAR-TO-DATE INCOME CALCULATOR"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
[{"$f":"A5","v":"2018-07-01"},null,{"$f":"B11-A11","v":-43282},{"$f":"C11/7","v":-6183.1428571428569},null,{"$f":"E11/D11","v":0},{"$f":"F11*52","v":0},{"$f":"G11/52*48","v":0}]
[]
["YEAR-TO-DATE INCOME CALCULATOR"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
[{"$f":"A5","v":"2018-07-01"},null,{"$f":"B17-A17","v":-43282},{"$f":"C17/7","v":-6183.1428571428569},0,{"$f":"E17/D17","v":0},{"$f":"F17*52","v":0},{"$f":"G17/52*48","v":0}]

{"sheet":"Workings","index":18,"n_rows":42,"n_cols":15,"rows_kept":42,"cut":false,"hidden":false,"merged":[[0,0,0,6]]}
["Loan Affordability Calculator",null,null,null,null,null,null,null,null,null,null,null,"Trust Checklist","Select in white cells","If the responses to all questions below are YES, please proceed with application else resolve the issue first."]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Certified copy of trust deed on file?",null,"Certification of the front page of the complete deed, and any amending deed if applicable, is sufficient."]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N3=\"Yes\", \"PROCEED\", \" RESOLVE\")","v":" RESOLVE"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Does the trust name on the trust deed match the trust applying for the loan?"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N5=\"Yes\", \"PROCEED\", \" RESOLVE\")","v":" RESOLVE"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Does the trustee of the trust match the applicant entered into NG? ",null,"If individual trustees, all should be listed as borrowers/guarantors on the application. "]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N7=\"Yes\", \"PROCEED\", \"RESOLVE \")","v":"RESOLVE "}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Is the settled sum of the trust deed less than $10,000?  ",null,"The answer to this is usually YES, however if NO, we will need to verify the identity of the settlor (unless the settlor is deceased in which proof will be required). "]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N9=\"Yes\", \"PROCEED\", \" RESOLVE\")","v":" RESOLVE"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Have we identified the beneficial owner(s) of the trust? ",null,"(E.g. appointor, guardian, principal, or unitholder who owns 25% or more of the trust). \n•\tIf beneficial owners match with guarantors listed on the application, no further action is required. \n•\tIf a beneficial owner is not listed as a guarantor on the application, then we will require their identity to be verified (privacy consent + certified copy of ID + World Check screening)"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N11=\"Yes\", \"PROCEED\", \"RESOLVE \")","v":"RESOLVE "}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Does the trust deed name the beneficiaries of the trust?        ",null,"NB, unless they are also a trustee or benefiical owner, they do not need to be identified with documents"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N13=\"Yes\", \"PROCEED\", \" RESOLVE\")","v":" RESOLVE"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Is there a corporate trustee for the trust?",null,"If YES, please answer the next question."]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"If so, do we have a copy of the company search saved on file? "]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Have we identified the shareholders who have been issued 25% or more of company shares (e.g. beneficial owner) and are these shares “beneficially held”? ",null,"If beneficial owners match with guarantors listed on the application and shares are “beneficially held”, then no further action is required\nIf a beneficial owner is not listed as a guarantor on the application and shares are “beneficially held”, then we will require their identity to be verified (privacy consent + certified copy of ID + World Check screening). "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"If shares issued are “non-beneficially held” this means that the individual is holding the issued shares on behalf of another person, organisation or trust. Please request for an Accountants Letter or Share Certificate to confirm who owns these shares, in which their identity will need to be verified if not already (privacy consent + certified copy of ID + World Check screening). Further action may be required depending on findings."]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N19=\"Yes\", \"PROCEED\", \"RESOLVE \")","v":"RESOLVE "}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]

{"sheet":"Rental Schedule","index":19,"n_rows":20,"n_cols":30,"rows_kept":20,"cut":false,"hidden":false,"merged":[[26,0,26,3],[1,0,1,1],[2,0,2,1],[22,0,22,3],[23,0,23,3],[25,0,25,3]]}
["Property Schedule"]
["Borrowers' name(s): "]
["Application number(s): "]
["Property Address","Owner(s)","% owned - Borrower 1","% owned - Borrower 2","% owned - Borrower 3","% owned - Borrower 4","Estimated value","Estimated rental","Rent period - select from list","Gross Annual Rent - Note 4.","Investment Loan Balance","Borrower 1 rental share - transfer to DSC","Borrower 2 rental share - transfer to DSC","Borrower 3 rental share - transfer to DSC","Borrower 4 rental share - transfer to DSC","Borrower 1 loan share - transfer to DSC","Borrower 2 loan share - transfer to DSC","Borrower 3 loan share - transfer to DSC","Borrower 4 loan share - transfer to DSC","Actual Interest %","Int deduction $ - Borrower 1","Int deduction $ - Borrower 2","Int deduction $ - Borrower 3","Int deduction $ - Borrower 4"]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I5=$AD$5,H5*52, IF(I5=$AD$6,H5*26, IF(I5=$AD$7,H5*12,\" \")))","v":0},null,{"$f":"J5*C5","v":0},{"$f":"J5*D5","v":0},{"$f":"J5*E5","v":0},{"$f":"J5*F5","v":0},{"$f":"K5*C5","v":0},{"$f":"K5*D5","v":0},{"$f":"K5*E5","v":0},{"$f":"K5*F5","v":0},null,{"$f":"T5*P5*C5","v":0},{"$f":"T5*Q5*D5","v":0},{"$f":"T5*R5*E5","v":0},{"$f":"T5*S5*F5","v":0},null,null,null,null,null,"Weekly"]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I6=$AD$5,H6*52, IF(I6=$AD$6,H6*26, IF(I6=$AD$7,H6*12,\" \")))","v":0},null,0,0,{"$f":"J6*E6","v":0},{"$f":"J6*F6","v":0},0,0,{"$f":"K6*E6","v":0},{"$f":"K6*F6","v":0},null,{"$f":"T6*Q6*C6","v":0},0,{"$f":"U6*R6*E6","v":0},0,null,null,null,null,null,"Fortnightly"]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I7=$AD$5,H7*52, IF(I7=$AD$6,H7*26, IF(I7=$AD$7,H7*12,\" \")))","v":0},null,0,0,0,0,0,0,0,0,null,{"$f":"T7*Q7*C7","v":0},0,0,0,null,null,null,null,null,"Monthly"]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,{"$f":"T8*Q8*C8","v":0},0,0,0,null,null,null,null,null,"Annually"]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,{"$f":"T9*Q9*C9","v":0},0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,{"$f":"T10*Q10*C10","v":0},0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I11=$AD$5,H11*52, IF(I11=$AD$6,H11*26, IF(I11=$AD$7,H11*12,\" \")))","v":0},null,{"$f":"J11*C11","v":0},{"$f":"J11*D11","v":0},{"$f":"J11*E11","v":0},{"$f":"J11*F11","v":0},{"$f":"K11*C11","v":0},{"$f":"K11*D11","v":0},{"$f":"K11*E11","v":0},{"$f":"K11*F11","v":0},null,{"$f":"T11*Q11*C11","v":0},{"$f":"T11*Q11*D11","v":0},{"$f":"U11*R11*E11","v":0},{"$f":"V11*S11*F11","v":0}]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,{"$f":"J14*C14","v":0},{"$f":"J14*D14","v":0},0,0,{"$f":"K14*C14","v":0},{"$f":"K14*D14","v":0},0,0,null,{"$f":"T14*Q14*C14","v":0},{"$f":"T14*Q14*D14","v":0},0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,{"$f":"J15*C15","v":0},{"$f":"J15*D15","v":0},0,0,{"$f":"K15*C15","v":0},{"$f":"K15*D15","v":0},0,0,null,{"$f":"T15*Q15*C15","v":0},{"$f":"T15*Q15*D15","v":0},0,0]
[null,null,null,null,null,null,null,null,"Weekly",{"$f":"IF(I16=$AD$5,H16*52, IF(I16=$AD$6,H16*26, IF(I16=$AD$7,H16*12,\" \")))","v":0},null,{"$f":"J16*C16","v":0},{"$f":"J16*D16","v":0},0,0,{"$f":"K16*C16","v":0},{"$f":"K16*D16","v":0},0,0,null,{"$f":"T16*Q16*C16","v":0},{"$f":"T16*Q16*D16","v":0},0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,0,0,null,0,0,0,0]
[null,null,null,null,null,null,null,null,"Weekly",0,null,0,0,0,0,0,0,{"$f":"K19*E19","v":0},{"$f":"K19*F19","v":0},null,0,0,0,0]
["TOTALS",null,null,null,null,null,{"$f":"SUM(G5:G19)","v":0},{"$f":"SUM(H5:H19)","v":0},null,{"$f":"SUM(J5:J19)","v":0},0,0,0,0,0,null,{"$f":"SUM(Q5:Q19)","v":0},{"$f":"SUM(R5:R19)","v":0},0,null,{"$f":"SUM(U5:U19)","v":0},{"$f":"SUM(V5:V19)","v":0},{"$f":"SUM(W5:W19)","v":0},0]

{"sheet":"BBS & BAS","index":20,"n_rows":94,"n_cols":14,"rows_kept":94,"cut":false,"hidden":false,"merged":[[19,0,19,3],[19,10,19,13],[20,10,20,13],[14,0,14,3],[15,0,15,3],[16,0,16,3],[17,0,17,3],[18,0,18,3],[0,4,0,5],[21,10,21,13],[22,10,22,13],[23,10,23,13],[7,13,9,13],[18,5,18,7],[18,10,18,13]]}
["Step 1","What income is your client declaring?"]
[]
["Step 2","Enter data in the white cells only",null,null,null,null,null,"Number of Quarters used"]
[null,null,null,null,null,null,null,{"$f":"COUNT(B7:B10)","v":0},null,null,"Business Bank Statements Analysis"]
["enter data in white cells only","G1","1A","1B","Net GST","W1","Expenses","Surplus","Expense Ratio",null,null,"Actuals"]
["Must use min of 2 quarters","Sales","Owed to ATO","Owed by ATO",null,"Salaries",null,null,null,null,"Select Period Covered"]
["Quarter 1",null,null,null,{"$f":"C7-D7","v":0},null,{"$f":"D7*11","v":0},{"$f":"B7-E7-F7-G7","v":0}]
["Quarter 2",null,null,null,{"$f":"C8-D8","v":0},null,{"$f":"D8*11","v":0},{"$f":"B8-E8-F8-G8","v":0},null,null,"Enter Sum of Credits",null,null,"Annualised Credits x ATO Average Expense figure"]
["Quarter 3",null,null,null,{"$f":"C9-D9","v":0},null,{"$f":"D9*11","v":0},{"$f":"B9-E9-F9-G9","v":0},null,null,"Annualised",{"$f":"IF(L6=\"Month\",L8*12,IF(L6=\"Quarter\",L8*4,IF(L6=\"6 months\",L8*2,L8)))","v":0}]
["Quarter 4",null,null,null,0,null,0,0]
["TOTAL",{"$f":"SUM(B7:B10)","v":0},{"$f":"SUM(C7:C10)","v":0},0,0,0,0,0,{"$f":"(E11+F11+G11)/B11","v":{"$error":"#DIV/0!"}}]
["Annualised",null,null,null,null,null,null,{"$f":"IF(H4=2,H11*2,IF(H4=3,H11/3*4,H11))","v":0},null,null,"Enter Sum of Business debits from BBS",0,"OR",{"$f":"L9*H18","v":0}]
["Result",null,null,null,null,null,null,{"$f":"IF(E1>H12, \"Refer to Broker\",\"Pass\")","v":"Pass"},null,null,"Annualised",{"$f":"IF(L6=\"Month\",L12*12,IF(L6=\"Quarter\",L12*4,IF(L6=\"6 months\",L12*2,L12)))","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Or Annualised via ATO Average",{"$f":"N12","v":0}]
["BAS Guidelines:",null,null,null,null,"Expense Benchmark",null,"ATO",null,null,"Assessed Surplus",{"$f":"L9-L13-L14","v":0},null,{"$f":"L9-N12","v":0}]
["1. If the annualised surplus exceeds the self employed declared income, proceed with application. Use the declared income in the DSC.",null,null,null,null,"Which Industry?",null,null,null,null,null,{"$f":"IF(E1>L15, \"Refer to Broker\",\"Pass\")","v":"Pass"}]
["2. If the annualised surplus is less than the declared income,  use BBS to verify income. If that is also insufficient, discuss with broker and consider full doc approach.",null,null,null,null,"Total Exp/Turnover % Range",null,null,null,null,"Actual Expense Ratio",{"$f":"L13/L9","v":{"$error":"#DIV/0!"}}]
["3. If you are using the ATO guidance for industry normal surplus, please compare the surplus shown above to the range shown in the ATO table. ",null,null,null,null,"Avge Total Expenses %"]
["4. When Salaries are shown above, check the Self Employed Declaration form to see if applicants' disclose PAYG income. If not, it is to be taken the fuigure shown above is paid to employees, not the applicants. If so, it would be expected to be part or whole of what is declared at W1 on the BAS",null,null,null,null,"http://www.ato.gov.au/Business/Small-business-benchmarks/In-detail/Benchmarks-A-Z/",null,null,null,null,"BBS  Guidelines:"]
["5. If any quarter's 1B - Owed by ATO is significantly larger than other quarters, ask broker to check if any one-off capital purchases were made that quarter as these may inflate the GST owed and therefore the proxy expenses we compute. If that is the case, please ask for documentary support of that purchase to confirm eg invoice, bank statement. ",null,null,null,null,"ATO Small Business Benchmarks",null,null,null,null,"1. Select the period  the bank statements cover"]
[null,null,null,null,null,"Which one do I use?",null,"tax returns",null,null,"2. Identify the business related deposits and expenses, add them up and enter that figure where shown."]
[null,null,null,null,null,null,null,"BAS expense ratio to fit within ATO Range",null,null,"3. If the annualised surplus exceeds the self employed declared income, proceed with application. Use the declared income in the DSC."]
[null,null,null,null,null,null,null,"ATO Average if no BBS expense figure used.",null,null,"4. If the annualised surplus is less than the declared income, you may need to use BAS to verify income. If that is also insufficient, discuss with broker and consider full doc approach."]
[null,null,null,null,null,null,null,null,null,null,"5. If you are using the ATO guidance for industry normal surplus, please use the average shown in the ATO table."]
[]
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[]
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[]
[null,"Month"]
[null,"Quarter"]
[null,"6 months"]
[null,"12 months"]

{"sheet":"Version Control","index":21,"n_rows":27,"n_cols":6,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
["Version","Created date","Date Effective","Created By","Approved By","Change"]
[2.5,null,null,null,null,"Assessment rate +1.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $10,650\nJoint - $15,480\nAdditional Adult - $3,500\nAdditional Children - $3,740\nRental Income – 85% of gross\n"]
[2.6,null,null,null,null,"Assessment rate +1.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $10,650\nJoint - $15,480\nAdditional Adult - $4,830\nAdditional Children - $3,740\nRental Income – 85% of gross\n"]
[2.7,null,null,null,null,"Assessment rate +1.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $10,650\nJoint - $15,480\nAdditional Adult - $3,500\nAdditional Children - $3,740\nRental Income – 85% of gross\n"]
[2.8]
[2.9,2008,null,null,null,"Assessment rate +1.50%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $11,500\nJoint - $16,500\nAdditional Adult - $5,000\nAdditional Children - $4,200\n"]
[3.2,2008,null,null,null,"Assessment rate +1.50%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $12,750\nJoint - $18,250\nAdditional Children - $4,600\n"]
[3.7,"2011-01-28",null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $14,400\nJoint - $20,400\nAdditional Adult - $14,000\nAdditional Children - $5,240\nRental Income – 85% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.2]
[4.3,null,null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $22,620\nEach Dep Child - $5,520\nRental Income – 100% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.5,null,null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $22,620\nEach Dep Child - $5,520\nRental Income – 100% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.5999999999999996,null,null,null,null,"Assessment rate +2.00%\nCredit Card assess @2.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $22,620\nEach Dep Child - $5,520\nRental Income – 100% of gross\nOther Mortgage Payments – Actual Other Liabilities – Actual\n"]
[4.92,"2015-09-01",null,null,null,"Assessment rate +2.00% or Floor of 7.20%\nCredit Card assess @3.00% of limit\nLiving Expenses:\nSingle - $15,564\nJoint - $26,724\nAdditional Children - $5,520\nRental Income – 80% of gross\nOther Mortgage Payments - +20%\nOther Liabilities – Actual\n"]
[4.93]
[4.9400000000000004]
[4.96]
[4.97,"2018-03-18","2018-05-28","Neil Culkin","Neil Culkin","Version control added\nAdopted LIXI+ living expense categorisation. \nRemoved mandatory fields for living expenses (broker version only)\nAdded FY2018 tax rates (brackets 3 & 4 income ranges)\nUpdated HPI per latest rates (Q4 2017) from Melbourne Institute \nNegative gearing benefit removed for Untaxed income and Add Backs (F39 & F40)\nP&I repayment now being quoted (E55 & E57)\nRepayment formula’s updated to PMT (I8 & J8)\nMandatory entry of cells for living expenses removed as broker get confused when not applicable. E29 & F29 deleted and B40 changed from 8 to 7 (“rates” sheet)\nAdded comments, extracts from and links to the ATO website in the ‘rates’ tab to explain that there are separate 2 calculations at play, now reflected in the tax calculation (I32:I37) for the broker version:\n Tax Offset for Low income earners\n Medicare levy calculation and Medicare Levy reduction for Low Income earners\n\n"]
[4.97,"2018-05-28","2018-05-28","Neil Culkin","Neil Culkin","Cell D9 amended from \"Loan Term:\" to \"Loan Term (years)\""]
[4.9800000000000004,"2018-07-17","2018-08-13","Neil Culkin","Neil Culkin","Cell B8 now includes commentary that loan amount includes capitalised fee (effective 16/7/2018)\nRequirement for DSR < 50% removed to align with policy\nNSR must be at least 1.35x for LVR > 90%"]
[4.9809999999999999,null,"2018-10-15",null,null,"New internal loan assessment template"]
[5,null,"2019-01-01","Neil Culkin","Credit Committee","Calculator restructured to cater for 2018 Q1 HEM Living Expense\nCRE calculator created\nOther mortgage repayments will be loaded by 25% up from 20%\nIncome for 32.5% tax bracket increase from $87,000 to $90,000\nNegative gearing calculation rate increased to 4.8% to match market offer\n"]
[5.0999999999999996,"2019-04-04","2019-04-17","Devika Dharmapalan ","Neil Culkin","1) A pop up box is to appear on the calculator in the below highlighted area if: The customer declared living expenses (cell R41) is less than 90% of the benchmark (cell R40) AND NSR (cell M75) < 1.5x OR The assessed NSR (cell M75) is ≥1.00 and ≤1.10x AND R40 > R41 The message is to state “To assist Pepper in verifying the customer living expenses, please provide last 3 months transaction bank statements”\n2) Set to True,  \"Is An Applicant\" Cell in both Residential and CRE Tabs, when an applicant exsist but income column is blank or zero\n3) Change Tab Name \"CRE\" to \"Commercial\" and change the heading from \"CRE Serviciability Calculator\" to \"Commercial Servicability Calculator\"\n4) Add new Tab \"Assessment Notes - Commercial\"\n5) Change Tab Name \"Assessment Notes\" to \"Assessment Notes - Residential\"\n6) Change Tab Name \"User Guide - CRE\" to \"User Guide Commercial\"\n7) Change All Macrose to Refer \"Commercial\" tab instead of \"CRE\"\n8) Remove \"Lease Doc\" option from Documnetation Type Field in \"Commercial Tab\"\n9) Devika added the contents provided by Paul Dean to \"Assessment Notes -Commercial\"\n10) Commercial tab - Cell E,G,I,K 52 amended to use income as E,G,I,K 47 less tax instead of E,G,I,K 66. Total taxable Income has to do with the income bracket used to determine the corresponding HEM living expense whereas the total income is what should be used for servicing\n11) Eligible and maximum borrowing amounts (M82 & M83) to note minimum amount of $0"]
[5.2,"2018-06-05",null,"Neil Culkin","Credit Committee","1) BBS & BAS calculator updated\n2) Credit card repayment calculation amended from 3% to 3.82% which as a proxy for assessing a credit card limit being ammortised over 3 years at an interest rate of 22%"]
[5.3,"2019-09-23","2019-10-01","Mick Sedgers","Neil Culkin","1. Reduce Assessment benchmark interest rate to 5.85% (Floor Rate) and Assessment buffer to be increased to 2.50%.\n2. reduce the negative gearing interest rate to 4.06%"]
[5.4,"2020-01-06","2020-03-30","Neil Culkin ","Neil Culkin","1. Living Expense Benchmark updated to HEM Q4 2019\n2. Adjusted Company Tax rate from 30% to 27.5%. This applies to companies with turnovers < $50m which aligns to the Pepper customer profile. \n3. Adjusted CRE ICR & DSCR ratio's changed to 3 decimal places to allow for rounding to the required ICR & DSCR which is on a two declimal point basis. \n4. Fix error: DSR calculation was deducting rental expense (cell M50) from the numerator in the calculation on a monthly basis instead of annual resulting in a over-statement of debt in the calculation. Amended to annual figure.\n5. Reduce the negative gearing interest rate to 3.67%"]
[5.5,"2020-06-22","2020-07-01","Neil Culkin","Neil Culkin","1. Removal of Self employed 1.25 NSR requirement in notes\n2. Adjustment of Company tax from 27.5% to 26% for FY21 tax rates\n3. Addition of Trust question in underwriter templates\n4. Correction in Rental Schedule to calculate share for DSC from 100% column J) and not buffered (column L).\n5. Addition to Rental Schedule to calculate Investment Loan amount for each borrower (columns O & P)\n5. Add 2 additional borrowers in rental Schedule"]
[5.5,"2020-09-10","2020-09-17","Neil Culkin","Neil Culkin","1. Reduce Assessment benchmark interest rate to 5.50% (Floor Rate)\n2. Living Expense Benchmark updated to HEM Q2 2020"]