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{"sheet":"Input","index":0,"n_rows":155,"n_cols":33,"rows_kept":155,"cut":false,"hidden":false,"merged":[[6,11,6,13],[154,3,158,19],[148,15,149,17],[9,1,9,19],[24,1,24,19],[105,1,105,19],[27,3,27,11],[35,3,35,11],[45,3,45,11],[54,3,54,11],[62,3,62,11]]}
[null,null,null,null,null,null,null,null,null," ",null,null,null,null,null,null,null,null,null,"Version 4.6.0\n20/08/2025"]
[null,null,null,null,null,null,null,null,null,null,null,"Specialist Servicing Calculator"]
[]
[]
[]
[]
[null,"Application Reference:",null,null,"e.g 54231",null,null,null,null,"Applicant Name(s):",null,null,null,null,null,null,null,"Assessor Name:","Internal Use"]
[]
[null,"Loan Details:",null,null,null,null,null,null,null,null,null,19]
[null,"Instructions: Additional Loan Splits will appear as each row is completed.\nWhen Investment Loan Type is selected, negative gearing benefits will automatically be applied."]
[null,"Security Value:","eg. $900,000",null,null,null,null,"Type of Product:","     Optional","LVR <= 80%, OO, P&I",null,null,null,"Product Rate:",null,{"$f":"IF(SUM(N16:N20)>0,MAX(N16:N20),P12)","v":5.6000000000000001E-2}]
[null,"LVR:",null,{"$f":"IF(SUM(D16:D20)=0,\"\",R143)","v":""},null,null,null,null,null,null,null,null,null,"Assessment Rate:",null,{"$f":"IF(SUM(N16:N20)>0,MAX(Console!F3,MAX(N16:N20)+IFERROR(VLOOKUP(Input!D14,Console!$A$3:$D$6,3,FALSE),0.02)),MAX(Console!F3,IFERROR(VLOOKUP(Input!D14,Console!$A$3:$D$6,3,FALSE),0)))","v":5.6000000000000001E-2}]
[null,"Borrowing Entity:"]
[null,"Loan Type:",null,"All Loan Types",null,{"$f":"IFERROR(VLOOKUP(Input!D14,Console!$A$3:$E$5,5,FALSE),\"\")","v":"For Aggregate Lending on all loan purposes and products"}]
[null,null,null,"Loan Amount",null,"Full Term",null,"Investment/ Owner Occupied",null,"P&I/ \nInterest Only",null,"IO Term",null,"Interest Rate",null,"Monthly Repayments",null,{"$f":"CONCATENATE(\"Monthly P&I Repayments @ \",TEXT(P12,\"0.00%\"))","v":"Monthly P&I Repayments @ 5.60%"}]
[null,1,"$50k-$2m",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(J16=\"IO\",D16*IF(N16>0,N16,$P$11)/12,-PMT(IF(N16>0,N16,$P$11)/12,F16*12,D16,0,0)),0)","v":0},null,{"$f":"IFERROR(IF(F16<1,0,-PMT(IF(N16=\"\",$P$12,MAX(N16+IFERROR(VLOOKUP(Input!D14,Console!$A$3:$D$6,3,FALSE),0.2),Console!$F$3))/12,IF(J16=\"IO\",(F16-L16)*12,F16*12),D16,0,0)),0)","v":0},null,null,{"$f":"IFERROR(-PMT(IF(N16>0,N16,$P$11)/12,IF(J16=\"IO\",(F16-L16)*12,F16*12),D16,0,0),0)","v":0},null,{"$f":"IFERROR(IF(J16=\"IO\",D16*IF(N16=\"\",$P$12,MAX(N16+Console!$C$3,Console!$F$3))/12,-PMT(IF(N16=\"\",$P$12,MAX(N16+Console!$C$3,Console!$F$3))/12,F16*12,D16,0,0)),0)","v":0}]
[null,2,"eg. $700,000",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(J17=\"IO\",D17*IF(N17>0,N17,$P$11)/12,-PMT(IF(N17>0,N17,$P$11)/12,F17*12,D17,0,0)),0)","v":0},null,{"$f":"IFERROR(IF(F17<1,0,-PMT(IF(N17=\"\",$P$12,MAX(N17+IFERROR(VLOOKUP(Input!D14,Console!$A$3:$D$6,3,FALSE),0.2),Console!$F$3))/12,IF(J17=\"IO\",(F17-L17)*12,F17*12),D17,0,0)),0)","v":0},null,null,{"$f":"IFERROR(-PMT(IF(N17>0,N17,$P$11)/12,IF(J17=\"IO\",(F17-L17)*12,F17*12),D17,0,0),0)","v":0},null,{"$f":"IFERROR(IF(J17=\"IO\",D17*IF(N17=\"\",$P$12,MAX(N17+Console!$C$3,Console!$F$3))/12,-PMT(IF(N17=\"\",$P$12,MAX(N17+Console!$C$3,Console!$F$3))/12,F17*12,D17,0,0)),0)","v":0}]
[null,3,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(J18=\"IO\",D18*IF(N18>0,N18,$P$11)/12,-PMT(IF(N18>0,N18,$P$11)/12,F18*12,D18,0,0)),0)","v":0},null,{"$f":"IFERROR(IF(F18<1,0,-PMT(IF(N18=\"\",$P$12,MAX(N18+IFERROR(VLOOKUP(Input!D14,Console!$A$3:$D$6,3,FALSE),0.2),Console!$F$3))/12,IF(J18=\"IO\",(F18-L18)*12,F18*12),D18,0,0)),0)","v":0},null,null,{"$f":"IFERROR(-PMT(IF(N18>0,N18,$P$11)/12,IF(J18=\"IO\",(F18-L18)*12,F18*12),D18,0,0),0)","v":0},null,{"$f":"IFERROR(IF(J18=\"IO\",D18*IF(N18=\"\",$P$12,MAX(N18+Console!$C$3,Console!$F$3))/12,-PMT(IF(N18=\"\",$P$12,MAX(N18+Console!$C$3,Console!$F$3))/12,F18*12,D18,0,0)),0)","v":0}]
[null,4,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(J19=\"IO\",D19*IF(N19>0,N19,$P$11)/12,-PMT(IF(N19>0,N19,$P$11)/12,F19*12,D19,0,0)),0)","v":0},null,{"$f":"IFERROR(IF(F19<1,0,-PMT(IF(N19=\"\",$P$12,MAX(N19+IFERROR(VLOOKUP(Input!D14,Console!$A$3:$D$6,3,FALSE),0.2),Console!$F$3))/12,IF(J19=\"IO\",(F19-L19)*12,F19*12),D19,0,0)),0)","v":0},null,null,{"$f":"IFERROR(-PMT(IF(N19>0,N19,$P$11)/12,IF(J19=\"IO\",(F19-L19)*12,F19*12),D19,0,0),0)","v":0},null,{"$f":"IFERROR(IF(J19=\"IO\",D19*IF(N19=\"\",$P$12,MAX(N19+Console!$C$3,Console!$F$3))/12,-PMT(IF(N19=\"\",$P$12,MAX(N19+Console!$C$3,Console!$F$3))/12,F19*12,D19,0,0)),0)","v":0}]
[null,5,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(J20=\"IO\",D20*IF(N20>0,N20,$P$11)/12,-PMT(IF(N20>0,N20,$P$11)/12,F20*12,D20,0,0)),0)","v":0},null,{"$f":"IFERROR(IF(F20<1,0,-PMT(IF(N20=\"\",$P$12,MAX(N20+Console!$C$3,Console!$F$3))/12,IF(J20=\"IO\",(F20-L20)*12,F20*12),D20,0,0)),0)","v":0},null,null,{"$f":"IFERROR(-PMT(IF(N20>0,N20,$P$11)/12,IF(J20=\"IO\",(F20-L20)*12,F20*12),D20,0,0),0)","v":0},null,{"$f":"IFERROR(IF(J20=\"IO\",D20*IF(N20=\"\",$P$12,MAX(N20+Console!$C$3,Console!$F$3))/12,-PMT(IF(N20=\"\",$P$12,MAX(N20+Console!$C$3,Console!$F$3))/12,F20*12,D20,0,0)),0)","v":0}]
[null,"Total",null,{"$f":"SUM(D16:D20)","v":0},null,{"$f":"MAX(F16:F20)","v":0},null,null,null,null,null,{"$f":"MAX(L16:L20)","v":0},null,null,null,{"$f":"SUM(P16:P20)","v":0},null,{"$f":"IFERROR(IF(F21<1,0,-PMT(IF(N21=\"\",$P$12,MAX(N21+Console!$C$3,Console!$F$3))/12,IF(J21=\"IO\",(F21-L21)*12,F21*12),D21,0,0)),0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(U16:U20)","v":0},null,{"$f":"SUM(R16:R20)","v":0}]
[null,null,null,null,null,5]
[null,"Income Details:",null,null,null,5,null,null,null,null,null,null,null,6,null,7,null,8,null,9,null,10]
[null,"Ensure Household is selected for each Applicant \nTo have more than 5 applicants press the Add Applicant button, to remove one of the additional applicants, press the Remove Applicant Button\nTo enter in Business Incomes click Add Business Income"]
[null,null,null,"Applicant 1","a","Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Applicant 5",null,"Applicant 6",null,"Applicant 7",null,"Applicant 8",null,"Applicant 9",null,"Applicant 10",null,"Applicant 11","Applicant 12","Applicant 13","Applicant 14","Applicant 15","Applicant 16","Applicant 17","Applicant 18","Applicant 19","Applicant 20"]
[null,"Household"]
[null,null,null,"Gross PAYG"]
[null,"Gross PAYG"]
[null,"Contract PAYG"]
[null,"Extra 1"]
[null,"Extra 2"]
[null,"Extra 3"]
[null,"Extra 4"]
[null,"Eligible Income",null,{"$f":"SUM(Formulas!E5:E10)","v":0},null,{"$f":"SUM(Formulas!F5:F10)","v":0},null,{"$f":"SUM(Formulas!G5:G10)","v":0},null,{"$f":"SUM(Formulas!H5:H10)","v":0},null,{"$f":"SUM(Formulas!I5:I10)","v":0},null,{"$f":"SUM(Formulas!J5:J10)","v":0},null,{"$f":"SUM(Formulas!K5:K10)","v":0},null,{"$f":"SUM(Formulas!L5:L10)","v":0},null,{"$f":"SUM(Formulas!M5:M10)","v":0},null,{"$f":"SUM(Formulas!N5:N10)","v":0},null,{"$f":"SUM(Formulas!O5:O10)","v":0},{"$f":"SUM(Formulas!P5:P10)","v":0},{"$f":"SUM(Formulas!Q5:Q10)","v":0},{"$f":"SUM(Formulas!R5:R10)","v":0},{"$f":"SUM(Formulas!S5:S10)","v":0},{"$f":"SUM(Formulas!T5:T10)","v":0},{"$f":"SUM(Formulas!U5:U10)","v":0},{"$f":"SUM(Formulas!V5:V10)","v":0},{"$f":"SUM(Formulas!W5:W10)","v":0},{"$f":"SUM(Formulas!X5:X10)","v":0}]
[null,null,null,"Other Gross Income"]
[null,"Overtime"]
[null,"Commission"]
[null,"Investment"]
[null,"Foreign Income"]
[null,"Extra 1"]
[null,"Extra 2"]
[null,"Extra 3"]
[null,"Extra 4"]
[null,"Eligible Income",null,{"$f":"SUM(Formulas!E13:E20)","v":0},null,{"$f":"SUM(Formulas!F13:F20)","v":0},null,{"$f":"SUM(Formulas!G13:G20)","v":0},null,{"$f":"SUM(Formulas!H13:H20)","v":0},null,{"$f":"SUM(Formulas!I13:I20)","v":0},null,{"$f":"SUM(Formulas!J13:J20)","v":0},null,{"$f":"SUM(Formulas!K13:K20)","v":0},null,{"$f":"SUM(Formulas!L13:L20)","v":0},null,{"$f":"SUM(Formulas!M13:M20)","v":0},null,{"$f":"SUM(Formulas!N13:N20)","v":0},null,{"$f":"SUM(Formulas!O13:O20)","v":0},{"$f":"SUM(Formulas!P13:P20)","v":0},{"$f":"SUM(Formulas!Q13:Q20)","v":0},{"$f":"SUM(Formulas!R13:R20)","v":0},{"$f":"SUM(Formulas!S13:S20)","v":0},{"$f":"SUM(Formulas!T13:T20)","v":0},{"$f":"SUM(Formulas!U13:U20)","v":0},{"$f":"SUM(Formulas!V13:V20)","v":0},{"$f":"SUM(Formulas!W13:W20)","v":0},{"$f":"SUM(Formulas!X13:X20)","v":0}]
[null,null,null,"Rental Income"]
[null,"Residential"]
[null,"Commercial"]
[null,"Foreign"]
[null,"Residential - Cat 3"]
[null,"Extra 2"]
[null,"Extra 3"]
[null,"Extra 4"]
[null,"Eligible Income",null,{"$f":"SUM(Formulas!E23:E29)","v":0},null,{"$f":"SUM(Formulas!F23:F29)","v":0},null,{"$f":"SUM(Formulas!G23:G29)","v":0},null,{"$f":"SUM(Formulas!H23:H29)","v":0},null,{"$f":"SUM(Formulas!I23:I29)","v":0},null,{"$f":"SUM(Formulas!J23:J29)","v":0},null,{"$f":"SUM(Formulas!K23:K29)","v":0},null,{"$f":"SUM(Formulas!L23:L29)","v":0},null,{"$f":"SUM(Formulas!M23:M29)","v":0},null,{"$f":"SUM(Formulas!N23:N29)","v":0},null,{"$f":"SUM(Formulas!O23:O29)","v":0},{"$f":"SUM(Formulas!P23:P29)","v":0},{"$f":"SUM(Formulas!Q23:Q29)","v":0},{"$f":"SUM(Formulas!R23:R29)","v":0},{"$f":"SUM(Formulas!S23:S29)","v":0},{"$f":"SUM(Formulas!T23:T29)","v":0},{"$f":"SUM(Formulas!U23:U29)","v":0},{"$f":"SUM(Formulas!V23:V29)","v":0},{"$f":"SUM(Formulas!W23:W29)","v":0},{"$f":"SUM(Formulas!X23:X29)","v":0}]
[null,null,null,"Non-Taxable Income"]
[null,"Centrelink"]
[null,"Child Support"]
[null,"Other"]
[null,"Extra 2"]
[null,"Extra 3"]
[null,"Extra 4"]
[null,"Eligible Income",null,{"$f":"SUM(Formulas!E32:E37)","v":0},null,{"$f":"SUM(Formulas!F32:F37)","v":0},null,{"$f":"SUM(Formulas!G32:G37)","v":0},null,{"$f":"SUM(Formulas!H32:H37)","v":0},null,{"$f":"SUM(Formulas!I32:I37)","v":0},null,{"$f":"SUM(Formulas!J32:J37)","v":0},null,{"$f":"SUM(Formulas!K32:K37)","v":0},null,{"$f":"SUM(Formulas!L32:L37)","v":0},null,{"$f":"SUM(Formulas!M32:M37)","v":0},null,{"$f":"SUM(Formulas!N32:N37)","v":0},null,{"$f":"SUM(Formulas!O32:O37)","v":0},{"$f":"SUM(Formulas!P32:P37)","v":0},{"$f":"SUM(Formulas!Q32:Q37)","v":0},{"$f":"SUM(Formulas!R32:R37)","v":0},{"$f":"SUM(Formulas!S32:S37)","v":0},{"$f":"SUM(Formulas!T32:T37)","v":0},{"$f":"SUM(Formulas!U32:U37)","v":0},{"$f":"SUM(Formulas!V32:V37)","v":0},{"$f":"SUM(Formulas!W32:W37)","v":0},{"$f":"SUM(Formulas!X32:X37)","v":0}]
[null,null,null,"Business Income"]
[null,"Taxable",null,{"$f":"'Income Calculators'!J25","v":0},null,{"$f":"'Income Calculators'!L25","v":0},null,{"$f":"'Income Calculators'!N25","v":0},null,{"$f":"'Income Calculators'!P25","v":0},null,{"$f":"'Income Calculators'!R25","v":0}]
[null,"Non-Taxable",null,{"$f":"'Income Calculators'!J33","v":0},null,{"$f":"'Income Calculators'!L33","v":0},null,{"$f":"'Income Calculators'!N33","v":0},null,{"$f":"'Income Calculators'!P33","v":0},null,{"$f":"'Income Calculators'!R33","v":0}]
[null,"Business Salary:",null,0,null,0,null,0,null,0,null,0]
[null,"Extra 1"]
[null,"Extra 2"]
[null,"Extra 3"]
[null,"Extra 4"]
[null,"Eligible Income",null,{"$f":"SUM(Formulas!E41:E46)","v":0},null,{"$f":"SUM(Formulas!F41:F46)","v":0},null,{"$f":"SUM(Formulas!G41:G46)","v":0},null,{"$f":"SUM(Formulas!H41:H46)","v":0},null,{"$f":"SUM(Formulas!I41:I46)","v":0},null,{"$f":"SUM(Formulas!J41:J46)","v":0},null,{"$f":"SUM(Formulas!K41:K46)","v":0},null,{"$f":"SUM(Formulas!L41:L46)","v":0},null,{"$f":"SUM(Formulas!M41:M46)","v":0},null,{"$f":"SUM(Formulas!N41:N46)","v":0},null,{"$f":"SUM(Formulas!O41:O46)","v":0},{"$f":"SUM(Formulas!P41:P46)","v":0},{"$f":"SUM(Formulas!Q41:Q46)","v":0},{"$f":"SUM(Formulas!R41:R46)","v":0},{"$f":"SUM(Formulas!S41:S46)","v":0},{"$f":"SUM(Formulas!T41:T46)","v":0},{"$f":"SUM(Formulas!U41:U46)","v":0},{"$f":"SUM(Formulas!V41:V46)","v":0},{"$f":"SUM(Formulas!W41:W46)","v":0},{"$f":"SUM(Formulas!X41:X46)","v":0}]
[]
[null,"Total Income",null,{"$f":"HLOOKUP(D26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(E26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(F26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(G26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(H26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(I26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(J26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(K26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(L26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(M26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(N26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(O26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(P26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(Q26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(R26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(S26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(T26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(U26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(V26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(W26,Formulas!$E$48:$X$62,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(X26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(Y26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(Z26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(AA26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(AB26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(AC26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(AD26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(AE26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(AF26,Formulas!$E$48:$X$62,2,FALSE)","v":0},{"$f":"HLOOKUP(AG26,Formulas!$E$48:$X$62,2,FALSE)","v":0}]
[null,"Total Eligible Income",null,{"$f":"HLOOKUP(D26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(E26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(F26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(G26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(H26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(I26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(J26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(K26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(L26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(M26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(N26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(O26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(P26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(Q26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(R26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(S26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(T26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(U26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(V26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(W26,Formulas!$E$48:$X$62,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(X26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(Y26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(Z26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(AA26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(AB26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(AC26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(AD26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(AE26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(AF26,Formulas!$E$48:$X$62,3,FALSE)","v":0},{"$f":"HLOOKUP(AG26,Formulas!$E$48:$X$62,3,FALSE)","v":0}]
[null,"Total Taxable Income",null,{"$f":"HLOOKUP(D26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(E26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(F26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(G26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(H26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(I26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(J26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(K26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(L26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(M26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(N26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(O26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(P26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(Q26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(R26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(S26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(T26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(U26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(V26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(W26,Formulas!$E$48:$X$62,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(X26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(Y26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(Z26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(AA26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(AB26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(AC26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(AD26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(AE26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(AF26,Formulas!$E$48:$X$62,4,FALSE)","v":0},{"$f":"HLOOKUP(AG26,Formulas!$E$48:$X$62,4,FALSE)","v":0}]
[null,"Total Net Income",null,{"$f":"HLOOKUP(D26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(E26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(F26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(G26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(H26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(I26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(J26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(K26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(L26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(M26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(N26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(O26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(P26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(Q26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(R26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(S26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(T26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(U26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(V26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(W26,Formulas!$E$48:$X$62,12,FALSE)","v":{"$error":"#N/A"}},{"$f":"HLOOKUP(X26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(Y26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(Z26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(AA26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(AB26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(AC26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(AD26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(AE26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(AF26,Formulas!$E$48:$X$62,12,FALSE)","v":0},{"$f":"HLOOKUP(AG26,Formulas!$E$48:$X$62,12,FALSE)","v":0}]
[]
[null,"Total Income",null,{"$f":"SUM(Formulas!E59:X59)","v":0}]
[]
[null,null,null,null,null,5]
[null,"Expense Details:",null,null,null,2,null,{"$f":"IF(H82<=MAX($F$81),H82,0)","v":2},{"$f":"IF(I82<=$F$81,I82,0)","v":2},0,0,0,0,0]
[null,null,null,"Household:",null,1,null,2,2,3,3,4,4,5]
[null,null,null,"Number Adults:","eg. 2"]
[null,null,null,"Number Children:","eg. 1"]
[null,null,null,"HEMs",null,{"$f":"IF(AND(F83=\"\",F84=\"\"),0,IFERROR(VLOOKUP(CONCATENATE(F83,IF(F84=\"\",0,IF(F84>3,3,F84))),HEM!$D$3:$S$12,HLOOKUP(Input!F82,Formulas!$H$82:$L$86,5,FALSE),FALSE),0))*52/12","v":0},null,{"$f":"IF(AND(H83=\"\",H84=\"\"),0,IFERROR(VLOOKUP(CONCATENATE(H83,IF(H84=\"\",0,IF(H84>3,3,H84))),HEM!$D$3:$S$12,HLOOKUP(Input!H82,Formulas!$H$82:$L$86,5,FALSE),FALSE),0))*52/12","v":0},null,{"$f":"IF(AND(J83=\"\",J84=\"\"),0,IFERROR(VLOOKUP(CONCATENATE(J83,IF(J84=\"\",0,IF(J84>3,3,J84))),HEM!$D$3:$S$12,HLOOKUP(Input!J82,Formulas!$H$82:$L$86,5,FALSE),FALSE),0))*52/12","v":0},null,{"$f":"IF(AND(L83=\"\",L84=\"\"),0,IFERROR(VLOOKUP(CONCATENATE(L83,IF(L84=\"\",0,IF(L84>3,3,L84))),HEM!$D$3:$S$12,HLOOKUP(Input!L82,Formulas!$H$82:$L$86,5,FALSE),FALSE),0))*52/12","v":0},null,{"$f":"IF(AND(N83=\"\",N84=\"\"),0,IFERROR(VLOOKUP(CONCATENATE(N83,IF(N84=\"\",0,IF(N84>3,3,N84))),HEM!$D$3:$S$12,HLOOKUP(Input!N82,Formulas!$H$82:$L$86,5,FALSE),FALSE),0))*52/12","v":0}]
[]
[null,"Monthly Expenses:",null,null,null,1,null,2,null,3,null,4,null,5]
[null,null,null,"Childcare ","eg. $500",null,null,null,null,null,null,null,null,null,null,"Daycare, afterschool care, nannies"]
[null,null,null,"Clothing & Personal Expenses ",null,null,null,null,null,null,null,null,null,null,null,"Clothing, footwear, buy now/ pay later, cosmetics, hairdressing etc"]
[null,null,null,"Education ",null,null,null,null,null,null,null,null,null,null,null,"School fees, books, levies, uniforms"]
[null,null,null,"Groceries ",null,null,null,null,null,null,null,null,null,null,null,"Typical Supermarket - Food & Toiletries "]
[null,null,null,"Insurance ",null,null,null,null,null,null,null,null,null,null,null,"Home/ Contents/ Landlord/ Vehicle/ Health/ Life/ Income Protection / Other  "]
[null,null,null,"Investment Property Expenses",null,null,null,null,null,null,null,null,null,null,null,"Rates, Body Corp/ Strata & Land Tax/ Utilities/ Maintenance "]
[null,null,null,"OO Property Expenses",null,null,null,null,null,null,null,null,null,null,null,"Rates, Body Corp/ Strata & Land Tax/ Utilities/ Maintenance "]
[null,null,null,"Medical & Health ",null,null,null,null,null,null,null,null,null,null,null,"Doctor, Dental, Optical, Massage, Chiro, Pharmaceutical etc"]
[null,null,null,"Recreation & Entertainment ",null,null,null,null,null,null,null,null,null,null,null,"Eating out, Alcohol, Tobacco, Gambling. Social, Holidays, Sport "]
[null,null,null,"Phone/ Internet/ Subscriptions ",null,null,null,null,null,null,null,null,null,null,null,"Phone/ Internet/ Pay TV/ Netflix, Spotify etc "]
[null,null,null,"Transportation expenses ",null,null,null,null,null,null,null,null,null,null,null,"Registration/ Petrol & Maintenance/ Tolls/ Taxi/ Parking/ Public Transport "]
[null,null,null,"Other ",null,null,null,null,null,null,null,null,null,null,null,"Birthdays, Union Subscriptions, Gifts etc "]
[null,null,null,"Total:",null,{"$f":"SUM(F88:F99)","v":0},null,{"$f":"SUM(H88:H99)","v":0},null,{"$f":"SUM(J88:J99)","v":0},null,{"$f":"SUM(L88:L99)","v":0},null,{"$f":"SUM(N88:N99)","v":0}]
[]
[null,null,null,"Total All Households:",null,{"$f":"SUM(Formulas!H90:L90)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,109]
[null,"Liability and Special Expense Details:",null,null,null,null,null,null,null,110]
[null,"Instructions: \n1. Liability Type and Applicant fields required. \n2. For multiple appliants on the same debt, either assign the full debt to one applicant, or reduce the Limit/ Balance/ Monthly Payment to the applicants share of repayments. \n3. When splitting Investment Mortgages - the Negative Gearing benefit will be given to each applicant selected.\n4. If a Monthly Payment is entered, the assessment will use this amount. If this is amount is not known, please enter in the other details and a figure will be calculated.\n5. Where an applicant has multiple Credit Cards, you can either enter in each credit card in a seperatel row, or add in one credit card liability where the limit is the total of all their credit cards.\n6. Debts being consolidated are not mandatory."]
[null,null,null,"Liability Type:",null,"Applicant:",null,"Limit:",null,"Balance:",null,"Monthly Payment:",null,"Consolidating:",null,"Payment used in assessment:"]
[null,1,"eg. Credit Card",null,"eg. Applicant 1","Applicant 1","eg. $5,000",null,"eg. $2,400",null,"  eg. $250",null,"eg. Yes/ No",null,null,{"$f":"Formulas!M101/12","v":0},null,{"$f":"IF(OR(D108=\"HECS / HELP \",D108=\"Child Maintenance \",D108=\"Rental Expense \"),\"\",IF(AND(MAX(H108:L108)>0,F108=\"\",D108=\"Investment Mortgage\"),\"<-- Please Select an Applicant\",IF(AND(L108>0,MAX(H108:J108)=0),\"<-- Please enter a balance or limit\",\"\")))","v":""}]
[null,2,"eg. OO Mortgage",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M102/12","v":0},null,{"$f":"IF(OR(D109=\"HECS / HELP \",D109=\"Child Maintenance \",D109=\"Rental Expense \"),\"\",IF(AND(MAX(H109:L109)>0,F109=\"\",D109=\"Investment Mortgage\"),\"<-- Please Select an Applicant\",IF(AND(L109>0,MAX(H109:J109)=0),\"<-- Please enter a balance or limit\",\"\")))","v":""}]
[null,3,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M103/12","v":0},null,""]
[null,4,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M104/12","v":0},null,""]
[null,5,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M105/12","v":0},null,""]
[null,6,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M106/12","v":0},null,""]
[null,7,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M107/12","v":0},null,""]
[null,8,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M108/12","v":0},null,""]
[null,9,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M109/12","v":0},null,""]
[null,10,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M110/12","v":0},null,""]
[null,11,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M111/12","v":0},null,""]
[null,12,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M112/12","v":0},null,""]
[null,13,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M113/12","v":0},null,""]
[null,14,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M114/12","v":0},null,""]
[null,15,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M115/12","v":0},null,""]
[null,16,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M116/12","v":0},null,""]
[null,17,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M117/12","v":0},null,""]
[null,18,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M118/12","v":0},null,""]
[null,19,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M119/12","v":0},null,""]
[null,20,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M120/12","v":0},null,""]
[null,21,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M121/12","v":0},null,""]
[null,22,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M122/12","v":0},null,""]
[null,23,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M123/12","v":0},null,""]
[null,24,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M124/12","v":0},null,""]
[null,25,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Formulas!M125/12","v":0},null,""]
[]
[]
[null,null,null,"Total Repayments:",null,{"$f":"SUM(Formulas!M101:M125)","v":0}]
[]
[]
[]
[null,"Results:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Surplus Income after loan repayments:",null,"Annually",null,"Monthly"]
[null,null,null,null,null,"Total Income:",null,{"$f":"SUM(Formulas!E49:X49)","v":0},null,null,null,null,null,"@ Assessed Rate:",null,{"$f":"R141*12","v":0},null,{"$f":"H149/12-T22","v":0}]
[null,null,null,null,null,"Net Income:",null,{"$f":"D78","v":0},null,null,null,null,null,"@ Product Rate:  ",null,{"$f":"IFERROR(H149-MAX(R22,P21)*12,0)","v":0},null,{"$f":"P142/12","v":0}]
[null,null,null,null,null,"Total Allowable Income:",null,{"$f":"SUM(Formulas!E50:X50)","v":0},null,null,null,null,null,{"$f":"IF(R143>=1,\"***WARNING: LVR > 100%***\",\"\")","v":""},null,"LVR",null,{"$f":"IFERROR(D21/D11,0)","v":0}]
[null,null,null,null,null,"HEM Expenses",null,{"$f":"SUM(Formulas!H87:L87)","v":0},null,null,null,null,null,null,null,"DSR",null,{"$f":"IFERROR(T22*12/H141,0)","v":0}]
[null,null,null,null,null,"Customer Declared Expenses",null,{"$f":"SUM(Formulas!H88:L88)","v":0},null,null,null,null,null,{"$f":"IF(R145=\"-\",\"\",IF(R145>=600,\"***WARNING: DTI > 6x***\",\"\"))","v":""},null,"DTI",null,{"$f":"IFERROR((Formulas!N126+Input!D21)/H141,\"-\")","v":"-"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(R146=\"-\",\"\",IF(R146>=500,\"***WARNING: LTI > 5x***\",\"\"))","v":""},null,"LTI",null,{"$f":"IFERROR(D21/H141,\"-\")","v":"-"}]
[null,null,null,null,null,"Total Liability Repayments",null,{"$f":"F135","v":0},null,null,null,null,null,{"$f":"IF(P141=0,\"\",IF(P141<0,\"***WARNING: NSR<1 and Annual Surplus <$500***\",IF(P141<500,\"***WARNING: Monthly Surplus <$500***\",\"\")))","v":""},null,"NSR",null,{"$f":"IFERROR(CONCATENATE(TEXT(IFERROR((D78-F102)/(F135+T22*12),\"\"),IF((D78-F102)/(F135+T22*12)>=10,\"# 00.00\",\"# 0.00\")),\" : 1\"),\"-\")","v":"-"}]
[]
[null,null,null,null,null,"Net Disposable Income before new loan:",null,{"$f":"H142-F102-H147","v":0},null,null,null,null,null,null,null,{"$f":"IF(P141>=Console!F9,\"PASS\",IF(R145=\"-\",\"FAIL\",IF(R145>=6.5,\"***REFER BDM***\",\"FAIL\")))","v":"FAIL"}]
[]
[null,null,null,null,null,"Max Borrowing Amount*:",null,{"$f":"PV(P12/12,F21*12,-H149/12,0,0)","v":0}]
[null,null,null,null,null,{"$f":"IF(F21=\"\",\"\",CONCATENATE(\"*Based on the specified loan term above of \",F21,\" years and at the assessment rate of \",P12*100,\"%\"))","v":"*Based on the specified loan term above of 0 years and at the assessment rate of 5.6%"}]
[]
[]
[null,"Comments:"]

{"sheet":"Income Calculators","index":1,"n_rows":33,"n_cols":20,"rows_kept":33,"cut":false,"hidden":false,"merged":[[32,1,32,7],[25,1,25,3],[24,1,24,7]]}
[]
[null,"YTD Gross Income Calculator"]
[null,"Results to go into Income Table on the Input sheet as Type Salary:"]
[null,null,null,"YTD Gross Income:","eg. $78,546.23",null,null,"FY Year","eg. FY20",null,null,null,null,"Date of last payslip:","eg. 1/Nov/2019"]
[]
[null,null,null,"Annual Gross Income:",null,{"$f":"IFERROR((365.25/(P4-VLOOKUP(J4,Console!$BM$3:$BN$5,2,FALSE)))*F4,\"\")","v":""}]
[]
[]
[null,"Self Employed Income Calculator"]
[null,"Applicant:",null,null,null,null,null,null,"eg. Applicant 1","Applicant 1","eg. Applicant 2","Applicant 2","eg. Applicant 3","Applicant 3",null,"Applicant 4",null,"Applicant 5"]
[null,"Applicant Household:",null,null,null,null,null,null,"eg. 1",null,"eg. 1",null,"eg. 2"]
[null,"Business Type:",null,null,null,null,null,null,null,"Sole Trader"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(J12=\"Company\",1,0)","v":0},{"$f":"IF(K12=\"Company\",1,0)","v":0},0,0,0,0,0,0,0,null,{"$f":"SUM(J13:R13)","v":0}]
[null,"Taxable Income - Sole Proprietor or Partnership",null,null,null,null,null,null,null,{"$f":"IF(OR(J12=\"Partnership\",J12=\"Sole Trader\"),1,0)","v":1},{"$f":"IF(OR(K12=\"Partnership\",K12=\"Sole Trader\"),1,0)","v":0},0,0,0,0,0,0,0,null,{"$f":"SUM(J14:R14)","v":1}]
[null,"Sole Trader/ Partner/ Directors Salary"]
[null,"Net Profit"]
[null,"Other Income"]
[]
[null,"Taxable Income - Company"]
[null,"Company Profit"]
[null,"Abnormal Expenses"]
[null,"Abnormal Income"]
[null,"Other Income"]
[]
[null,"Total Taxable Income\nThis has been applied to the applicants Taxable Income",null,null,null,null,null,null,null,{"$f":"IF(J12=\"\",0,(J20+J21-J22+J23)+(J15+J16+J17))","v":0},null,{"$f":"IF(L12=\"\",0,(L20+L21-L22+L23)+(L15+L16+L17))","v":0},null,{"$f":"IF(N12=\"\",0,(N20+N21-N22+N23)+(N15+N16+N17))","v":0},null,{"$f":"IF(P12=\"\",0,(P20+P21-P22+P23)+(P15+P16+P17))","v":0},null,{"$f":"IF(R12=\"\",0,(R20+R21-R22+R23)+(R15+R16+R17))","v":0}]
[null,"Company Profit after tax",null,null,null,null,null,null,null,{"$f":"IF(J12=\"\",0,IF((AND(J12=\"Company\", J25>0)),(J15+J16+J17)+(J20+J21-J22+J23)*(1-Console!$AJ$3),J25))","v":0},null,{"$f":"IF(L12=\"\",0,IF((AND(L12=\"Company\", L25>0)),(L15+L16+L17)+(L20+L21-L22+L23)*(1-Console!$AJ$3),L25))","v":0},null,{"$f":"IF(N12=\"\",0,IF((AND(N12=\"Company\", N25>0)),(N15+N16+N17)+(N20+N21-N22+N23)*(1-Console!$AJ$3),N25))","v":0},null,{"$f":"IF(P12=\"\",0,IF((AND(P12=\"Company\", P25>0)),(P15+P16+P17)+(P20+P21-P22+P23)*(1-Console!$AJ$3),P25))","v":0},null,{"$f":"IF(R12=\"\",0,IF((AND(R12=\"Company\", R25>0)),(R15+R16+R17)+(R20+R21-R22+R23)*(1-Console!$AJ$3),R25))","v":0}]
[]
[null,"Plus Addbacks / Non-Taxable Income"]
[null,"Motor Vehicle Expenses"]
[null,"Depreciation"]
[null,"Other Self-Employed Addbacks"]
[]
[null,"Total Non-Taxable Income\nThis has been applied to the applicants Non-Taxed Income",null,null,null,null,null,null,null,{"$f":"IF(J12=\"\",0,SUM(J29:J31))","v":0},null,{"$f":"IF(L12=\"\",0,SUM(L29:L31))","v":0},null,{"$f":"IF(N12=\"\",0,SUM(N29:N31))","v":0},null,{"$f":"IF(P12=\"\",0,SUM(P29:P31))","v":0},null,{"$f":"IF(R12=\"\",0,SUM(R29:R31))","v":0}]

{"sheet":"Loan Feature Input","index":2,"n_rows":78,"n_cols":20,"rows_kept":78,"cut":false,"hidden":true,"merged":[[2,14,4,14],[2,8,4,8],[2,9,4,9],[2,10,4,10],[2,11,2,13],[3,11,3,13]]}
[]
[]
[null,null,"Loan Field",null,"Input",null,null,null,"DLA Authority","DLA","DLA Approver","DLA – Item 1",null,null,"DLA – Item 2 Exception"]
[null,null,"Documentation"," eg. Full Doc",null,null,null,null,null,null,null,"SC output @ AAA level"]
[null,null,"Employment"," eg. PAYE/Full Time",null,null,null,null,null,null,null,"0 - 25%","> 25 - 35%","> 35%",null,null,null,0.25,0.35,9999.99]
[null,null,"Months Business in Operation (for self-employed)"," eg. 0",null,null,null,null,"Highest","DLA 1","General Manager (GM)","<=A$3.0M","<=A$3.0M","<=$A$3.0M","Major",null,"DLA 1",3000000,3000000,3000000]
[null,null,"First Time Buyer"," eg. No",null,null,null,null,null,"DLA 2","Head of Lending (HOL)","<=A$2.0M","<=A$1.5M","<=$A$1.0M","Moderate",null,"DLA 2",2000000,1500000,1000000]
[null,null,"Loan Purpose"," eg. Purchase New",null,"Not Used",null,null,null,"DLA 3","Senior Credit Analyst (SCA)","<=A$1.5M","<=A$1.0M","<=A$500K","Minor - DLA 3",null,"DLA 3",1500000,1000000,500000]
[null,null,"High Density Security"," eg. High Density",null,null,null,null,null,"DLA 4","Credit Analyst (CA)","<=A$1.0M","<=A$500K",0,"Minor - DLA 4",null,"DLA 4",1000000,500000,0]
[null,null,"Post Code"," eg. 2000",null,null,null,null,"Lowest","DLA 5","Credit Analyst (CA)","<=A$500K","<=A$400K",0,"Not applicable",null,"DLA 5",500000,400000,0]
[null,null,"Credit History Events"," eg. 1"]
[null,null,"Date of last credit event (blank if not applicable)"," eg. 20/01/2021"]
[null,null,"DLA Exception Criteria"," eg. Minor",null,null,null,null,null,null,null,null,null,null,null,null,"Loan Amt",{"$f":"IF(E16<R5,IF(E39<=R10,Q10,IF(E39<=R9,Q9,IF(E39<=R8,Q8,IF(E39<=R7,Q7,IF(E39<=R6,Q6,\"Above $3m and Policy Limit\"))))),IF(E16<S5,IF(E39<=S10,Q10,IF(E39<=S9,Q9,IF(E39<=S8,Q8,IF(E39<=S7,Q7,IF(E39<=S6,Q6,\"Above $3m and Policy Limit\"))))),IF(E16<T5,IF(E39<=T10,Q10,IF(E39<=T9,Q9,IF(E39<=T8,Q8,IF(E39<=T7,Q7,IF(E39<=T6,Q6,\"Above $3m and Policy Limit\"))))),\"Error\")))","v":{"$error":"#N/A"}},{"$f":"_xlfn.NUMBERVALUE(RIGHT(R13,1))","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Exception",{"$f":"VLOOKUP(E13,$O$6:$Q$10,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"IFERROR(_xlfn.NUMBERVALUE(RIGHT(R14,1)),5)","v":5}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DLA Level",{"$f":"MIN(S13:S14)","v":{"$error":"#N/A"}}]
[null,null,"Subordination Result:",null,{"$f":"'Subordinate Calculator'!P46","v":{"$error":"#N/A"}}]
[null,null,"DLA Level ",null,{"$f":"CONCATENATE(\"DLA \",R15)","v":{"$error":"#N/A"}}]
[]
[]
[null,null,"Rating Scenario",null,{"$f":"'Subordinate Calculator'!P41","v":"AAA"}]
[null,null,"Probability of Default:",null,{"$f":"'Subordinate Calculator'!P42","v":{"$error":"#N/A"}}]
[null,null,"MVD",null,{"$f":"'Subordinate Calculator'!P43","v":0}]
[null,null,"Loss Severity:",null,{"$f":"'Subordinate Calculator'!P45","v":5001}]
[null,null,"$ Loss",null,{"$f":"'Subordinate Calculator'!P44","v":-5001}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Sources Documentation"," eg. 2",2]
[null,null,"Loan Type"," eg. Sub-prime","Sub-prime"]
[null,null,"Tax Returns"," eg. No",{"$f":"IF(E4=\"Full Doc\",\"Yes\",\"No\")","v":"No"}]
[null,null,"Property Occupancy"," eg. Investment",{"$f":"IF(OR(Input!H16=\"Inv\",Input!H17=\"Inv\",Input!H18=\"Inv\",Input!H19=\"Inv\",Input!H20=\"Inv\"),\"Investment\",\"Owner Occupied\")","v":"Owner Occupied"}]
[null,null,"Original Loan Balance"," eg. 1000000",{"$f":"E74","v":0}]
[null,null,"Facility limit"," eg. -1",{"$f":"E39","v":0}]
[null,null,"Original LTV"," eg. 0",{"$f":"E75","v":""}]
[null,null,"Repayment Method"," eg. Interest Only",{"$f":"IF(OR(Input!J16=\"IO\",Input!J17=\"IO\",Input!J18=\"IO\",Input!J19=\"IO\",Input!J20=\"IO\"),\"Interest Only\",\"Principal and Interest\")","v":"Principal and Interest"},"Not Used"]
[null,null,"Product"," eg. ",{"$f":"E42","v":"Principal and Interest"},"Not Used"]
[null,null,"Fixed Term Remaining in Years"," eg. -1",0,"Not Used"]
[null,null,"Location"," eg. NSW Metro",{"$f":"CONCATENATE(VLOOKUP(E10,'Subordinate Calculator'!$Y$113:$AA$173,2,TRUE),\" - \",VLOOKUP(E10,'Subordinate Calculator'!$Y$113:$AA$173,3,TRUE))","v":"Exclude - Exclude"}]
[null,null,"Total Valuation"," eg. 1428571.42857143",{"$f":"Input!D11","v":0},"Not Used"]
[null,null,"Settlement Date"," eg. 43220",{"$f":"TODAY()","v":"2025-09-12"},"Not Used"]
[null,null,"Maturity Date"," eg. 54178",{"$f":"E47+Input!F21*365","v":"2025-09-12"},"Not Used"]
[null,null,"IO Period Remaining in Years"," eg. 3",{"$f":"MAX(Input!L16:L20)","v":0}]
[null,null,"Number of Days in Arrears"," eg. 0",0]
[null,null,"Scheduled Loan Balance"," eg. 1000000",{"$f":"E39","v":0}]
[null,null,"Country of Loan Origination"," eg. Australia","Australia","Not Used"]
[null,null,"Lenders Mortgage Insurance"," eg. N/A","No","***Need to clarify, input says days, but in reference table uses months and in calculation"]
[null,null,"Savings Verified"," eg. No","Yes","Not Used"]
[null,null,"Valuation Type (Full Valuation)"," eg. N/A","Yes","Not Used"]
[null,null,"Pool Date"," eg. 43982",{"$f":"E47","v":"2025-09-12"},"Not Used"]
[null,{"$f":"OFFSET(B57,-1,)+1","v":1},"State"," eg. NSW",{"$f":"VLOOKUP(E10,'Subordinate Calculator'!$Y$113:$AA$173,2,TRUE)","v":"Exclude"}]
[null,{"$f":"OFFSET(B58,-1,)+1","v":2},"Metro; Non metro; Inner city"," eg. Metro",{"$f":"VLOOKUP(E10,'Subordinate Calculator'!$Y$113:$AA$173,3,TRUE)","v":"Exclude"}]
[null,{"$f":"OFFSET(B59,-1,)+1","v":3},"Scheduled LVR"," eg. 0.7",{"$f":"E41","v":""}]
[null,{"$f":"OFFSET(B60,-1,)+1","v":4},"Times Arrears"," eg. 0","Up to 1","Not Used"]
[null,{"$f":"OFFSET(B61,-1,)+1","v":5},"Seasoning"," eg. 25",0]
[null,null,"Amortising Period Post IO in Years"," eg. 27",{"$f":"Input!F21-MAX(Input!L16:L20)","v":0}]
[null,null,"Interest Rate (%)"," eg. 0.0969",{"$f":"Input!P11","v":5.6000000000000001E-2}]
[null,null,"Discount Loan"," eg. No","No"]
[null,null,"Further Advances"," eg. No","Yes"]
[null,null,"Further Redraw"," eg. No","Yes","Not Used"]
[null,null,"DSCR"," eg. -1",{"$f":"Input!R147","v":"-"}]
[null,null,"Application Reference"," eg. 1",{"$f":"Input!F7","v":0}]
[null,null,"Issuer"," eg. tester","BCHL"]
[null,null,"Interest Type"," eg. Variable","Variable","Not Used"]
[null,null,"Line Of Credit"," eg. No","No","Not Used"]
[null,null,"Borrower Group ID"," eg. 1","Tranche 1","Not Used"]
[null,null,"Borrower Residency"," eg. Australian","Australian","Not Used"]
[null,null,"Current Loan Balance"," eg. 1000000",{"$f":"Input!D21","v":0},"Not Used"]
[null,null,"Current LTV"," eg. 0.7",{"$f":"Input!D12","v":""},"Not Used"]
[]
[]
[null,null,null,null,null,"Not Used"]

{"sheet":"Results Page","index":3,"n_rows":95,"n_cols":6,"rows_kept":95,"cut":false,"hidden":true,"merged":[[74,2,74,3],[79,2,79,3],[78,2,78,3],[77,2,77,3],[76,2,76,3],[75,2,75,3],[71,2,71,3],[72,2,72,3],[92,2,92,3],[91,2,91,3],[90,2,90,3],[89,2,89,3],[88,2,88,3],[87,2,87,3],[86,2,86,3],[85,2,85,3],[73,2,73,3],[84,2,84,3],[83,2,83,3],[82,2,82,3],[81,2,81,3],[80,2,80,3]]}
[]
[null,"Results",null,null,{"$f":"NOW()","v":"2025-09-12T13:36:37.040"}]
[]
[null,"Loan Summary"]
[]
[null,"Applicant Name(s):",{"$f":"Input!L7","v":0},null,"Underwriter:",{"$f":"Input!T7","v":0}]
[null,"Application Reference:",{"$f":"Input!F7","v":0},null,"Borrowing Entity:",{"$f":"Input!D13","v":0}]
[]
[null,"Region:",{"$f":"'Subordinate Calculator'!E59","v":"Exclude"},null,"Probability of Default:",{"$f":"'Subordinate Calculator'!P42","v":{"$error":"#N/A"}}]
[null,"LVR:",{"$f":"'Loan Feature Input'!E75","v":""},null,"Loss Severity:",{"$f":"'Subordinate Calculator'!P45","v":5001}]
[null,"NSR:",{"$f":"Input!R147","v":"-"},null,"Subordination Result:",{"$f":"'Subordinate Calculator'!P46","v":{"$error":"#N/A"}}]
[]
[null,"DLA Level"]
[]
[null,"DLA Exception",{"$f":"'Loan Feature Input'!E13","v":0}]
[null,"DLA Level",{"$f":"'Loan Feature Input'!R13","v":{"$error":"#N/A"}}]
[]
[]
[null,"Application Details"]
[]
[null,"State:",{"$f":"'Loan Feature Input'!E57","v":"Exclude"},null,"No Dependents:",{"$f":"SUM(Input!F84:N84)","v":0}]
[null,"Principal:",{"$f":"Input!D21","v":0},null,"Months Since Default:",{"$f":"IF('Loan Feature Input'!E12 = \"\", \"N/A\", (TODAY()-'Loan Feature Input'!E12)/(365/12))","v":"N/A"}]
[null,"Total Security:",{"$f":"Input!D11","v":0},null,"Credit Event History:",{"$f":"'Loan Feature Input'!E11","v":0}]
[null,"Loan Term:",{"$f":"Input!F21","v":0},null,"Gross Annual Income:",{"$f":"Input!H141","v":0}]
[null,"Purpose:",{"$f":"'Loan Feature Input'!E8","v":0},null,"Net Annual Income:",{"$f":"Input!D78","v":0}]
[null,"Repayment Method:",{"$f":"'Loan Feature Input'!E42","v":"Principal and Interest"},null,"Employment Status:",{"$f":"'Loan Feature Input'!E5","v":0}]
[null,"First Time Buyer:",{"$f":"'Loan Feature Input'!E7","v":0},null,"Income Type:",{"$f":"'Loan Feature Input'!E4","v":0}]
[]
[null,"Serviceability"]
[]
[null,"Annual Gross Income:",{"$f":"Input!H141","v":0},null,"LVR",{"$f":"Input!R143","v":0}]
[null,"Annual Net Income:",{"$f":"Input!D78","v":0},null,"DSR:",{"$f":"Input!R144","v":0}]
[null,"Net Available Income:",{"$f":"Input!H142","v":0},null,"DTI:",{"$f":"Input!R145","v":"-"}]
[null,"Total HEM:",{"$f":"Input!H144","v":0},null,"LTI",{"$f":"Input!R146","v":"-"}]
[null,"Declared Living Expenses:",{"$f":"Input!H145","v":0},null,"NSR",{"$f":"Input!R147","v":"-"}]
[null,"Total Liability Repayments:",{"$f":"Input!H149","v":0},null,"Monthly Repayment:",{"$f":"Input!P21","v":0}]
[null,"Loan Amount:",{"$f":"Input!D21","v":0},null,"Surplus (per annum):",{"$f":"Input!P142","v":0}]
[null,"Assessment Rate:",{"$f":"Input!P12","v":5.6000000000000001E-2},null,"Annual Payments, Stressed:",{"$f":"Input!R21","v":0}]
[null,"Term:",{"$f":"Input!F21","v":0},null,"Annual Surplus, Stressed:",{"$f":"Input!P141","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"Page 1"]
[]
[]
[null,"Results",null,null,{"$f":"NOW()","v":"2025-09-12T13:36:37.040"}]
[]
[]
[null,"Input Multipliers",null,null,"Loss Severity"]
[null,null,"Multiple",null,null,"Multiple"]
[null,"LVR Distribution",{"$f":"'Subordinate Calculator'!P10","v":4.5051999668446765},null,"Property Value",{"$f":"'Subordinate Calculator'!P32","v":1}]
[null,"Loan Purpose",{"$f":"'Subordinate Calculator'!P31","v":0},null,"Location Inner City High Density",{"$f":"'Subordinate Calculator'!P33","v":1}]
[null,"Credit History / Credit Events",{"$f":"'Subordinate Calculator'!P26","v":1},null,"Loan Purpose - Construction",{"$f":"'Subordinate Calculator'!P34","v":0}]
[null,"Borrower Employment",{"$f":"'Subordinate Calculator'!P29","v":{"$error":"#N/A"}},null,"Total Muliplier Collateral",{"$f":"'Subordinate Calculator'!P39","v":0}]
[null,"IO Period",{"$f":"'Subordinate Calculator'!P14","v":1},null,"Foreclosure Period",{"$f":"'Subordinate Calculator'!P35","v":0}]
[null,"Loan Term Post IO",{"$f":"'Subordinate Calculator'!P15","v":1},null,"Fixed Expense",{"$f":"'Subordinate Calculator'!P36","v":5000}]
[null,"Loan Term (P&I)",{"$f":"'Subordinate Calculator'!P16","v":0.4},null,"Variable Expense",{"$f":"'Subordinate Calculator'!P37","v":0.05}]
[null,"Documentation",{"$f":"'Subordinate Calculator'!P18","v":1}]
[null,"First Time Buyer",{"$f":"'Subordinate Calculator'!P20","v":{"$error":"#N/A"}},null,"Foreclosure Frequency",{"$f":"'Subordinate Calculator'!P42","v":{"$error":"#N/A"}}]
[null,"Investor/Owner Occ",{"$f":"'Subordinate Calculator'!P21","v":1},null,"MVD",{"$f":"'Subordinate Calculator'!P43","v":0}]
[null,"Inner City and High Density",{"$f":"'Subordinate Calculator'!P22","v":1},null,"$ Loss",{"$f":"'Subordinate Calculator'!P44","v":-5001}]
[null,"Total Multiplier Transaction",{"$f":"'Subordinate Calculator'!P38","v":{"$error":"#N/A"}},null,"% Loss Severity",{"$f":"'Subordinate Calculator'!P45","v":5001}]
[null,null,null,null,"Credit Support",{"$f":"'Subordinate Calculator'!P46","v":{"$error":"#N/A"}}]
[]
[]
[]
[null,"Current Liabilities"]
[]
[null,"Liability Type","Liability Credit Limit",null,"Repayments:","Discharge"]
[null,{"$f":"IF(Input!D108=0,\"\",Input!D108)","v":""},{"$f":"IF(Input!H108=0,\"\",Input!H108)","v":""},null,{"$f":"IF(Input!P108=0,\"\",Input!P108)","v":""},{"$f":"IF(Input!N108=\"\",\"\",Input!N108)","v":""}]
[null,{"$f":"IF(Input!D109=0,\"\",Input!D109)","v":""},{"$f":"IF(Input!H109=0,\"\",Input!H109)","v":""},null,{"$f":"IF(Input!P109=0,\"\",Input!P109)","v":""},{"$f":"IF(Input!N109=\"\",\"\",Input!N109)","v":""}]
[null,{"$f":"IF(Input!D110=0,\"\",Input!D110)","v":""},{"$f":"IF(Input!H110=0,\"\",Input!H110)","v":""},null,{"$f":"IF(Input!P110=0,\"\",Input!P110)","v":""},{"$f":"IF(Input!N110=\"\",\"\",Input!N110)","v":""}]
[null,{"$f":"IF(Input!D111=0,\"\",Input!D111)","v":""},{"$f":"IF(Input!H111=0,\"\",Input!H111)","v":""},null,{"$f":"IF(Input!P111=0,\"\",Input!P111)","v":""},{"$f":"IF(Input!N111=\"\",\"\",Input!N111)","v":""}]
[null,{"$f":"IF(Input!D112=0,\"\",Input!D112)","v":""},{"$f":"IF(Input!H112=0,\"\",Input!H112)","v":""},null,{"$f":"IF(Input!P112=0,\"\",Input!P112)","v":""},{"$f":"IF(Input!N112=\"\",\"\",Input!N112)","v":""}]
[null,{"$f":"IF(Input!D113=0,\"\",Input!D113)","v":""},{"$f":"IF(Input!H113=0,\"\",Input!H113)","v":""},null,{"$f":"IF(Input!P113=0,\"\",Input!P113)","v":""},{"$f":"IF(Input!N113=\"\",\"\",Input!N113)","v":""}]
[null,{"$f":"IF(Input!D114=0,\"\",Input!D114)","v":""},{"$f":"IF(Input!H114=0,\"\",Input!H114)","v":""},null,{"$f":"IF(Input!P114=0,\"\",Input!P114)","v":""},{"$f":"IF(Input!N114=\"\",\"\",Input!N114)","v":""}]
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[]
[null,null,null,null,null,"Page 2"]

{"sheet":"Loan Works Drop","index":4,"n_rows":51,"n_cols":3,"rows_kept":51,"cut":false,"hidden":true,"merged":[]}
["#","Loan Field","Specific Loan Input"]
[1,"Loan ID",1]
[{"$f":"OFFSET(A3,-1,)+1","v":2},"Issuer","tester"]
[3,"Loan Type","Sub-prime"]
[4,"Borrower Group ID",1]
[5,"Borrower Residency","Australian"]
[6,"Current Loan Balance",1000000]
[7,"Current LTV",0.7]
[8,"Documentation","Full Doc"]
[9,"Interest Type","Variable"]
[10,"Line Of Credit","No"]
[11,"Property Occupancy","Investment"]
[12,"Original Loan Balance",1000000]
[13,"Facility limit",-1]
[14,"Original LTV",0]
[15,"Repayment Method","Interest Only"]
[16,"Product"]
[17,"Post Code",2000]
[18,"Location","NSW Metro"]
[19,"Total Valuation",1428571.4285714286]
[20,"Settlement Date","2018-04-30"]
[21,"Maturity Date","2048-04-30"]
[22,"Fixed Term Remaining in Years",-1]
[23,"IO Period Remaining in Years",3]
[24,"Number of Days in Arrears",0]
[25,"Scheduled Loan Balance",1000000]
[26,"Employment","PAYE/Full Time"]
[27,"Country of Loan Origination","Australia"]
[28,"First Time Buyer","No"]
[29,"Lenders Mortgage Insurance","N/A"]
[30,"Loan Purpose","Purchase New"]
[31,"Credit History",1]
[32,"Type of Residence","High Density"]
[33,"Scheduled LVR",0.7]
[34,"Years Business in Operation (for self-employed)",0]
[35,"Seasoning",{"$f":"INT(YEARFRAC(C21,C49,3)*12)","v":25}]
[36,"Amortising Period Post IO in Years",27]
[37,"Interest Rate (%)",9.69E-2]
[38,"Discount Loan","No"]
[39,"Further Advances","No"]
[{"$f":"OFFSET(A41,-1,)+1","v":40},"Further Redraw","No"]
[41,"DSCR",-1]
[42,"Sources Documentation",2]
[43,"Times Arrears",0]
[44,"Credit History Years Ago",0.49863013698630138]
[45,"Tax Returns","No"]
[46,"Savings Verified","No"]
[47,"Valuation Type","N/A"]
[48,"Pool Date","2020-05-31"]
[49,"State","NSW"]
[50,"Metro; Non metro; Inner city","Metro"]

{"sheet":"Calculations","index":5,"n_rows":123,"n_cols":23,"rows_kept":123,"cut":false,"hidden":true,"merged":[]}
[]
["*Calculate annualised income",null,null,null,null,null,"Gross Incomes","Net Income",null,null,null,"Gross Income by Household",null,null,null,null,null,"Net Incomes by household"]
["Applicant Number","Applicant","Household","Income","Type","Frequency","Annualised","Annualised","Negative Gearing scaling","Negative Gearing Attribution",null,1,2,3,4,5,null,1,2,3,4,5]
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["*row calculates 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["*medicare levy",null,{"$f":"Console!$AH$3*Calculations!C48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!D48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!E48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!F48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!G48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!H48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!I48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!J48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!K48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!L48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!M48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!N48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!O48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!P48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!Q48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!R48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!S48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!T48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!U48","v":{"$error":"#REF!"}},{"$f":"Console!$AH$3*Calculations!V48","v":{"$error":"#REF!"}}]
["Net Salary",null,{"$f":"C48-C50-C51","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"}]
["Negative Gearing Once Off",null,{"$f":"IF(C48>0,C49,0)","v":{"$error":"#REF!"}},{"$f":"IF(D48>0,D49,0)","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"}]
[]
[]
["Household",null,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,"*total income by household"]
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[]
["Expenses by Household",null,"HEMS","Declared","Used",null,"Interest Deduction by Household"]
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[null,4,{"$f":"Input!L85*(1+Console!$AO$3)*12","v":0},{"$f":"SUM(Input!$L$88:$L$99)*12","v":0},{"$f":"MAX(D67,C67)","v":0},null,0]
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[]
[null,null,"Type","applicant","Limit","balance","MMP","Rental Expense ","POC","HECS / HELP ","Hec Ref","Calc Pmt","Max Pmt","Limits","Max Bal and Limit","Reversed Limit"]
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[]
[]
[]
[]
[]
["Applicant Ref","Unique List Applicants","Uniques","1 To 20","Count","Number Unique","OFI Investment Loans Interest","Interest for tax deduction of investment properties"]
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[0,null,null,null,null,null,null,"*11.7% is the average in balance change YoY of a homeloan, dividing by 2 gives the mid point, therefore based on an average P&I loan, this would be the interest charged, given this balance."]

{"sheet":"Formulas","index":6,"n_rows":126,"n_cols":24,"rows_kept":126,"cut":false,"hidden":true,"merged":[]}
[null,null,null,null,"Applicant"]
[null,null,null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20]
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["Income Type","Shading","Gross/ Net"]
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["Declared Net Income",null,"Net",null,{"$f":"SUMIF($C$5:$C$46,$C$52,E$5:E$46)-IF(AND(Input!$D$13=Console!$K$9,OR('Income Calculators'!J12=Console!$AJ$6,'Income Calculators'!J12=Console!$AJ$7)),'Income Calculators'!J25+'Income Calculators'!J33,0)","v":0},{"$f":"SUMIF($C$5:$C$46,$C$52,F$5:F$46)-IF(AND(Input!$D$13=Console!$K$9,OR('Income Calculators'!L12=Console!$AJ$6,'Income Calculators'!L12=Console!$AJ$7)),'Income Calculators'!L25+'Income Calculators'!L33,0)","v":0},{"$f":"SUMIF($C$5:$C$46,$C$52,G$5:G$46)-IF(AND(Input!$D$13=Console!$K$9,OR('Income Calculators'!N12=Console!$AJ$6,'Income Calculators'!N12=Console!$AJ$7)),'Income Calculators'!N25+'Income Calculators'!N33,0)","v":0},{"$f":"SUMIF($C$5:$C$46,$C$52,H$5:H$46)-IF(AND(Input!$D$13=Console!$K$9,OR('Income Calculators'!P12=Console!$AJ$6,'Income Calculators'!P12=Console!$AJ$7)),'Income Calculators'!P25+'Income Calculators'!P33,0)","v":0},{"$f":"SUMIF($C$5:$C$46,$C$52,I$5:I$46)-IF(AND(Input!$D$13=Console!$K$9,OR('Income Calculators'!R12=Console!$AJ$6,'Income Calculators'!R12=Console!$AJ$7)),'Income Calculators'!R25+'Income Calculators'!R33,0)","v":0},{"$f":"SUMIF($C$5:$C$46,$C$52,J$5:J$46)*J47","v":0},{"$f":"SUMIF($C$5:$C$46,$C$52,K$5:K$46)*K47","v":0},0,0,0,{"$f":"SUMIF($C$5:$C$46,$C$52,O$5:O$46)","v":0},0,0,0,0,0,0,0,0,0]
["Negative gearing factor",null,null,null,{"$f":"(E51/20000)*E51","v":0},{"$f":"(F51/20000)*F51","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Negative gearing attribution",null,null,null,{"$f":"IFERROR(E53/SUM($E$53:$X$53),0)","v":0},{"$f":"IFERROR(F53/SUM($E$53:$X$53),0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Negative Gearing Interest Deduction",null,null,null,{"$f":"E54*$C$96+E62","v":0},{"$f":"F54*$C$96+F62","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Total Taxable Income",null,null,null,{"$f":"MAX(E51-E55,0)","v":0},{"$f":"MAX(F51-F55,0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Income 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["Medicare Levy",null,null,null,{"$f":"IF(Formulas!E51<=Console!$AD$3,0,E56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!F51<=Console!$AD$3,0,F56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!G51<=Console!$AD$3,0,G56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!H51<=Console!$AD$3,0,H56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!I51<=Console!$AD$3,0,I56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!J51<=Console!$AD$3,0,J56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!K51<=Console!$AD$3,0,K56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!L51<=Console!$AD$3,0,L56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!M51<=Console!$AD$3,0,M56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!N51<=Console!$AD$3,0,N56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!O51<=Console!$AD$3,0,O56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!P51<=Console!$AD$3,0,P56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!Q51<=Console!$AD$3,0,Q56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!R51<=Console!$AD$3,0,R56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!S51<=Console!$AD$3,0,S56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!T51<=Console!$AD$3,0,T56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!U51<=Console!$AD$3,0,U56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!V51<=Console!$AD$3,0,V56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!W51<=Console!$AD$3,0,W56*Console!$AH$3)","v":0},{"$f":"IF(Formulas!X51<=Console!$AD$3,0,X56*Console!$AH$3)","v":0}]
["Net Income",null,null,null,{"$f":"E51-E57-E58+E52","v":0},{"$f":"F51-F57-F58+F52","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
["Total Limits Investment Mortgage",null,null,null,{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!E48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!F48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!G48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!H48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!I48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!J48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!K48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!L48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!M48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!N48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!O48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!P48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!Q48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!R48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!S48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!T48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!U48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!V48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!W48,$C$101:$C$125,Console!$AT$5)","v":0},{"$f":"SUMIFS($P$101:$P$125,$D$101:$D$125,Formulas!X48,$C$101:$C$125,Console!$AT$5)","v":0}]
["Interest Charge for negative gearing",null,null,null,{"$f":"IFERROR(E61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(F61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(G61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(H61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(I61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(J61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(K61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(L61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(M61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(N61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(O61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(P61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(Q61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(R61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(S61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(T61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(U61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(V61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(W61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0},{"$f":"IFERROR(X61*((Input!$F$21-0.5)/Input!$F$21)*Input!$P$11,0)","v":0}]
[]
["Low Income Tax Offset",null,null,null,{"$f":"IF(Formulas!E56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!E56-Console!$AC$14)),IF(Formulas!E56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!E56-Console!$AC$15)),IF(Formulas!E56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!E56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!F56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!F56-Console!$AC$14)),IF(Formulas!F56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!F56-Console!$AC$15)),IF(Formulas!F56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!F56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!G56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!G56-Console!$AC$14)),IF(Formulas!G56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!G56-Console!$AC$15)),IF(Formulas!G56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!G56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!H56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!H56-Console!$AC$14)),IF(Formulas!H56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!H56-Console!$AC$15)),IF(Formulas!H56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!H56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!I56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!I56-Console!$AC$14)),IF(Formulas!I56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!I56-Console!$AC$15)),IF(Formulas!I56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!I56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!J56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!J56-Console!$AC$14)),IF(Formulas!J56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!J56-Console!$AC$15)),IF(Formulas!J56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!J56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!K56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!K56-Console!$AC$14)),IF(Formulas!K56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!K56-Console!$AC$15)),IF(Formulas!K56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!K56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!L56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!L56-Console!$AC$14)),IF(Formulas!L56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!L56-Console!$AC$15)),IF(Formulas!L56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!L56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!M56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!M56-Console!$AC$14)),IF(Formulas!M56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!M56-Console!$AC$15)),IF(Formulas!M56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!M56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!N56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!N56-Console!$AC$14)),IF(Formulas!N56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!N56-Console!$AC$15)),IF(Formulas!N56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!N56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!O56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!O56-Console!$AC$14)),IF(Formulas!O56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!O56-Console!$AC$15)),IF(Formulas!O56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!O56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!P56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!P56-Console!$AC$14)),IF(Formulas!P56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!P56-Console!$AC$15)),IF(Formulas!P56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!P56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!Q56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!Q56-Console!$AC$14)),IF(Formulas!Q56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!Q56-Console!$AC$15)),IF(Formulas!Q56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!Q56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!R56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!R56-Console!$AC$14)),IF(Formulas!R56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!R56-Console!$AC$15)),IF(Formulas!R56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!R56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!S56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!S56-Console!$AC$14)),IF(Formulas!S56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!S56-Console!$AC$15)),IF(Formulas!S56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!S56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!T56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!T56-Console!$AC$14)),IF(Formulas!T56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!T56-Console!$AC$15)),IF(Formulas!T56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!T56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!U56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!U56-Console!$AC$14)),IF(Formulas!U56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!U56-Console!$AC$15)),IF(Formulas!U56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!U56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!V56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!V56-Console!$AC$14)),IF(Formulas!V56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!V56-Console!$AC$15)),IF(Formulas!V56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!V56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!W56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!W56-Console!$AC$14)),IF(Formulas!W56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!W56-Console!$AC$15)),IF(Formulas!W56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!W56-Console!$AC$16)),0)))","v":700},{"$f":"IF(Formulas!X56<=Console!$AD$14,(Console!$AE$14+Console!$AF$14*(Formulas!X56-Console!$AC$14)),IF(Formulas!X56<=Console!$AD$15,(Console!$AE$15+Console!$AF$15*(Formulas!X56-Console!$AC$15)),IF(Formulas!X56<=Console!$AD$16,(Console!$AE$16+Console!$AF$16*(Formulas!X56-Console!$AC$16)),0)))","v":700}]
["Low-Middle Income Tax Offset",null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[]
[]
[]
[null,"Total Interest for the Loan at assessment rate:",null,null,null,null,"Household",1,2,3,4,5]
[{"$f":"IF(OR(Input!J16=\"IO\",Input!J17=\"IO\",Input!J18=\"IO\",Input!J19=\"IO\",Input!J20=\"IO\"),\"IO\",\"P&I\")","v":"P&I"},"Balance","Interest","Pmt","Final Balance",null,"Total Taxable Income",{"$f":"SUMIF($E$3:$X$3,H82,$E$56:$X$56)","v":0},{"$f":"SUMIF($E$3:$X$3,I82,$E$56:$X$56)","v":0},0,0,0]
[1,{"$f":"SUMIF(Input!H16:H20,\"Inv Property\",Input!D16:D20)","v":0},{"$f":"B84*Input!P11/12","v":0},{"$f":"IF(B84=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},{"$f":"B84+C84-D84","v":0},null,"Total Net Income",{"$f":"SUMIF($E$3:$X$3,H82,$E$52:$X$52)","v":0},{"$f":"SUMIF($E$3:$X$3,I82,$E$52:$X$52)","v":0},0,0,0]
[2,{"$f":"E84","v":0},{"$f":"B85*Input!$P$11/12","v":0},{"$f":"IF(B85=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},{"$f":"B85+C85-D85","v":0},null,"Total Income",{"$f":"H84+H83","v":0},{"$f":"I84+I83","v":0},0,0,0]
[3,{"$f":"E85","v":0},{"$f":"B86*Input!$P$11/12","v":0},{"$f":"IF(B86=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},{"$f":"B86+C86-D86","v":0},null,"HEM Reference",{"$f":"HLOOKUP(H85,HEM!$F$1:$S$2,2,TRUE)","v":3},{"$f":"HLOOKUP(I85,HEM!$F$1:$S$2,2,TRUE)","v":3},{"$f":"HLOOKUP(J85,HEM!$F$1:$S$2,2,TRUE)","v":3},{"$f":"HLOOKUP(K85,HEM!$F$1:$S$2,2,TRUE)","v":3},{"$f":"HLOOKUP(L85,HEM!$F$1:$S$2,2,TRUE)","v":3}]
[4,0,{"$f":"B87*Input!$P$11/12","v":0},{"$f":"IF(B87=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0,null,"HEM Value Annually",{"$f":"Input!F85*12*(1+Console!$AO$3)*H89","v":0},{"$f":"Input!H85*12*(1+Console!$AO$3)*I89","v":0},{"$f":"Input!J85*12*(1+Console!$AO$3)*J89","v":0},{"$f":"Input!L85*12*(1+Console!$AO$3)*K89","v":0},{"$f":"Input!N85*12*(1+Console!$AO$3)*L89","v":0}]
[5,0,{"$f":"B88*Input!$P$11/12","v":0},{"$f":"IF(B88=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0,null,"Declared Living Expense",{"$f":"SUM(Input!$F$88:$F$99)*12*H89","v":0},{"$f":"SUM(Input!$H$88:$H$99)*12*I89","v":0},{"$f":"SUM(Input!$J$88:$J$99)*12*J89","v":0},{"$f":"SUM(Input!$L$88:$L$99)*12*K89","v":0},{"$f":"SUM(Input!$N$88:$N$99)*12*L89","v":0}]
[6,0,{"$f":"B89*Input!$P$11/12","v":0},{"$f":"IF(B89=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0,null,"On/Off",{"$f":"IF(Input!$F$81>=Formulas!H82,1,0)","v":1},{"$f":"IF(Input!$F$81>=Formulas!I82,1,0)","v":1},{"$f":"IF(Input!$F$81>=Formulas!J82,1,0)","v":0},{"$f":"IF(Input!$F$81>=Formulas!K82,1,0)","v":0},{"$f":"IF(Input!$F$81>=Formulas!L82,1,0)","v":0}]
[7,0,{"$f":"B90*Input!$P$11/12","v":0},{"$f":"IF(B90=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0,null,"Value Used",{"$f":"MAX(H87:H88)*H89","v":0},{"$f":"MAX(I87:I88)*I89","v":0},0,0,0]
[8,0,{"$f":"B91*Input!$P$11/12","v":0},{"$f":"IF(B91=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0]
[9,0,{"$f":"B92*Input!$P$11/12","v":0},{"$f":"IF(B92=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0]
[10,0,{"$f":"B93*Input!$P$11/12","v":0},{"$f":"IF(B93=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0]
[11,0,{"$f":"B94*Input!$P$11/12","v":0},{"$f":"IF(B94=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0]
[12,0,{"$f":"B95*Input!$P$11/12","v":0},{"$f":"IF(B95=0,0,-PMT(Input!$P$12/12,Input!$F$21*12,$B$84,0,0))","v":0},0]
["Total Interest Year 1",null,{"$f":"IF(Console!BQ3=1,IF(A83=\"IO\",B84*Input!P11,SUM(C84:C95)),0)+SUM(Input!F93,Input!H93,Input!J93,Input!L93,Input!N93)*12","v":0}]
[]
[]
[]
[null,null,"Type","applicant","Limit","balance","MMP","Rental Expense ","POC","HECS / HELP ","Hec Ref","Calc Pmt","Max Pmt","Limits","Reversed Limit","Max Bal and Limit"]
["Liabilities",1,{"$f":"Input!D108","v":0},{"$f":"Input!F108","v":"Applicant 1"},{"$f":"Input!H108","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D108  = \"Child Maintenance \",0,\n Input!D108  = \"Rental Expense \",0,\n Input!D108  = \"Credit Card / Overdraft\",0,\nInput!J108)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D108  = \"Credit Card / Overdraft\",0,\nInput!L108)","v":0},{"$f":"IF(C101=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N108","v":0},{"$f":"Input!L108","v":0},null,{"$f":"IFERROR(VLOOKUP(C101,Console!$AT$4:$AV$13,3,FALSE)*MAX(E101:F101)*VLOOKUP(C101,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I101=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C101=Console!$AT$6,C101=Console!$AT$5,C101=Console!$AT$4),IF(G101>0,G101*12*VLOOKUP(C101,Console!$AT$3:$AU$13,2,FALSE),MAX(L101,G101*12,K101*J101,H101)),MAX(L101,G101*12,K101*J101,H101)),IF(G101>0,G101*12*VLOOKUP(C101,Console!$AT$3:$AU$13,2,FALSE),MAX(L101,G101*12,K101*J101,H101)))),0)","v":0},{"$f":"IF(I101=\"Yes\",0,E101)","v":0},0,{"$f":"IF(I101=\"Yes\",0,MAX(E101,F101,O101))","v":0}]
[null,2,{"$f":"Input!D109","v":0},{"$f":"Input!F109","v":0},{"$f":"Input!H109","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D109  = \"Child Maintenance \",0,\n Input!D109  = \"Rental Expense \",0,\n Input!D109  = \"Credit Card / Overdraft\",0,\nInput!J109)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D109  = \"Credit Card / Overdraft\",0,\nInput!L109)","v":0},{"$f":"IF(C102=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N109","v":0},{"$f":"Input!L109","v":0},null,{"$f":"IFERROR(VLOOKUP(C102,Console!$AT$4:$AV$13,3,FALSE)*MAX(E102:F102)*VLOOKUP(C102,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I102=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C102=Console!$AT$6,C102=Console!$AT$5,C102=Console!$AT$4),IF(G102>0,G102*12*VLOOKUP(C102,Console!$AT$3:$AU$13,2,FALSE),MAX(L102,G102*12,K102*J102,H102)),MAX(L102,G102*12,K102*J102,H102)),IF(G102>0,G102*12*VLOOKUP(C102,Console!$AT$3:$AU$13,2,FALSE),MAX(L102,G102*12,K102*J102,H102)))),0)","v":0},{"$f":"IF(I102=\"Yes\",0,E102)","v":0},0,{"$f":"IF(I102=\"Yes\",0,MAX(E102,F102,O102))","v":0}]
[null,3,{"$f":"Input!D110","v":0},{"$f":"Input!F110","v":0},{"$f":"Input!H110","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D110  = \"Child Maintenance \",0,\n Input!D110  = \"Rental Expense \",0,\n Input!D110  = \"Credit Card / Overdraft\",0,\nInput!J110)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D110  = \"Credit Card / Overdraft\",0,\nInput!L110)","v":0},{"$f":"IF(C103=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N110","v":0},{"$f":"Input!L110","v":0},null,{"$f":"IFERROR(VLOOKUP(C103,Console!$AT$4:$AV$13,3,FALSE)*MAX(E103:F103)*VLOOKUP(C103,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I103=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C103=Console!$AT$6,C103=Console!$AT$5,C103=Console!$AT$4),IF(G103>0,G103*12*VLOOKUP(C103,Console!$AT$3:$AU$13,2,FALSE),MAX(L103,G103*12,K103*J103,H103)),MAX(L103,G103*12,K103*J103,H103)),IF(G103>0,G103*12*VLOOKUP(C103,Console!$AT$3:$AU$13,2,FALSE),MAX(L103,G103*12,K103*J103,H103)))),0)","v":0},0,0,0]
[null,4,{"$f":"Input!D111","v":0},{"$f":"Input!F111","v":0},{"$f":"Input!H111","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D111  = \"Child Maintenance \",0,\n Input!D111  = \"Rental Expense \",0,\n Input!D111  = \"Credit Card / Overdraft\",0,\nInput!J111)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D111  = \"Credit Card / Overdraft\",0,\nInput!L111)","v":0},{"$f":"IF(C104=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N111","v":0},{"$f":"Input!L111","v":0},null,{"$f":"IFERROR(VLOOKUP(C104,Console!$AT$4:$AV$13,3,FALSE)*MAX(E104:F104)*VLOOKUP(C104,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I104=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C104=Console!$AT$6,C104=Console!$AT$5,C104=Console!$AT$4),IF(G104>0,G104*12*VLOOKUP(C104,Console!$AT$3:$AU$13,2,FALSE),MAX(L104,G104*12,K104*J104,H104)),MAX(L104,G104*12,K104*J104,H104)),IF(G104>0,G104*12*VLOOKUP(C104,Console!$AT$3:$AU$13,2,FALSE),MAX(L104,G104*12,K104*J104,H104)))),0)","v":0},0,0,0]
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[null,6,{"$f":"Input!D113","v":0},{"$f":"Input!F113","v":0},{"$f":"Input!H113","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D113  = \"Child Maintenance \",0,\n Input!D113  = \"Rental Expense \",0,\n Input!D113  = \"Credit Card / Overdraft\",0,\nInput!J113)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D113  = \"Credit Card / Overdraft\",0,\nInput!L113)","v":0},{"$f":"IF(C106=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N113","v":0},{"$f":"Input!L113","v":0},null,{"$f":"IFERROR(VLOOKUP(C106,Console!$AT$4:$AV$13,3,FALSE)*MAX(E106:F106)*VLOOKUP(C106,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I106=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C106=Console!$AT$6,C106=Console!$AT$5,C106=Console!$AT$4),IF(G106>0,G106*12*VLOOKUP(C106,Console!$AT$3:$AU$13,2,FALSE),MAX(L106,G106*12,K106*J106,H106)),MAX(L106,G106*12,K106*J106,H106)),IF(G106>0,G106*12*VLOOKUP(C106,Console!$AT$3:$AU$13,2,FALSE),MAX(L106,G106*12,K106*J106,H106)))),0)","v":0},0,0,0]
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[null,16,{"$f":"Input!D123","v":0},{"$f":"Input!F123","v":0},{"$f":"Input!H123","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D123  = \"Child Maintenance \",0,\n Input!D123  = \"Rental Expense \",0,\n Input!D123  = \"Credit Card / Overdraft\",0,\nInput!J123)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D123  = \"Credit Card / Overdraft\",0,\nInput!L123)","v":0},{"$f":"IF(C116=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N123","v":0},{"$f":"Input!L123","v":0},null,{"$f":"IFERROR(VLOOKUP(C116,Console!$AT$4:$AV$13,3,FALSE)*MAX(E116:F116)*VLOOKUP(C116,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I116=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C116=Console!$AT$6,C116=Console!$AT$5,C116=Console!$AT$4),IF(G116>0,G116*12*VLOOKUP(C116,Console!$AT$3:$AU$13,2,FALSE),MAX(L116,G116*12,K116*J116,H116)),MAX(L116,G116*12,K116*J116,H116)),IF(G116>0,G116*12*VLOOKUP(C116,Console!$AT$3:$AU$13,2,FALSE),MAX(L116,G116*12,K116*J116,H116)))),0)","v":0},0,0,0]
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[null,19,{"$f":"Input!D126","v":0},{"$f":"Input!F126","v":0},{"$f":"Input!H126","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D126  = \"Child Maintenance \",0,\n Input!D126  = \"Rental Expense \",0,\n Input!D126  = \"Credit Card / Overdraft\",0,\nInput!J126)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D126  = \"Credit Card / Overdraft\",0,\nInput!L126)","v":0},{"$f":"IF(C119=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N126","v":0},{"$f":"Input!L126","v":0},null,{"$f":"IFERROR(VLOOKUP(C119,Console!$AT$4:$AV$13,3,FALSE)*MAX(E119:F119)*VLOOKUP(C119,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I119=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C119=Console!$AT$6,C119=Console!$AT$5,C119=Console!$AT$4),IF(G119>0,G119*12*VLOOKUP(C119,Console!$AT$3:$AU$13,2,FALSE),MAX(L119,G119*12,K119*J119,H119)),MAX(L119,G119*12,K119*J119,H119)),IF(G119>0,G119*12*VLOOKUP(C119,Console!$AT$3:$AU$13,2,FALSE),MAX(L119,G119*12,K119*J119,H119)))),0)","v":0},0,0,0]
[null,20,{"$f":"Input!D127","v":0},{"$f":"Input!F127","v":0},{"$f":"Input!H127","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D127  = \"Child Maintenance \",0,\n Input!D127  = \"Rental Expense \",0,\n Input!D127  = \"Credit Card / Overdraft\",0,\nInput!J127)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D127  = \"Credit Card / Overdraft\",0,\nInput!L127)","v":0},{"$f":"IF(C120=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N127","v":0},{"$f":"Input!L127","v":0},null,{"$f":"IFERROR(VLOOKUP(C120,Console!$AT$4:$AV$13,3,FALSE)*MAX(E120:F120)*VLOOKUP(C120,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I120=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C120=Console!$AT$6,C120=Console!$AT$5,C120=Console!$AT$4),IF(G120>0,G120*12*VLOOKUP(C120,Console!$AT$3:$AU$13,2,FALSE),MAX(L120,G120*12,K120*J120,H120)),MAX(L120,G120*12,K120*J120,H120)),IF(G120>0,G120*12*VLOOKUP(C120,Console!$AT$3:$AU$13,2,FALSE),MAX(L120,G120*12,K120*J120,H120)))),0)","v":0},0,0,0]
[null,21,{"$f":"Input!D128","v":0},{"$f":"Input!F128","v":0},{"$f":"Input!H128","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D128  = \"Child Maintenance \",0,\n Input!D128  = \"Rental Expense \",0,\n Input!D128  = \"Credit Card / Overdraft\",0,\nInput!J128)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D128  = \"Credit Card / Overdraft\",0,\nInput!L128)","v":0},{"$f":"IF(C121=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N128","v":0},{"$f":"Input!L128","v":0},null,{"$f":"IFERROR(VLOOKUP(C121,Console!$AT$4:$AV$13,3,FALSE)*MAX(E121:F121)*VLOOKUP(C121,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I121=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C121=Console!$AT$6,C121=Console!$AT$5,C121=Console!$AT$4),IF(G121>0,G121*12*VLOOKUP(C121,Console!$AT$3:$AU$13,2,FALSE),MAX(L121,G121*12,K121*J121,H121)),MAX(L121,G121*12,K121*J121,H121)),IF(G121>0,G121*12*VLOOKUP(C121,Console!$AT$3:$AU$13,2,FALSE),MAX(L121,G121*12,K121*J121,H121)))),0)","v":0},0,0,0]
[null,22,{"$f":"Input!D129","v":0},{"$f":"Input!F129","v":0},{"$f":"Input!H129","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D129  = \"Child Maintenance \",0,\n Input!D129  = \"Rental Expense \",0,\n Input!D129  = \"Credit Card / Overdraft\",0,\nInput!J129)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D129  = \"Credit Card / Overdraft\",0,\nInput!L129)","v":0},{"$f":"IF(C122=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N129","v":0},{"$f":"Input!L129","v":0},null,{"$f":"IFERROR(VLOOKUP(C122,Console!$AT$4:$AV$13,3,FALSE)*MAX(E122:F122)*VLOOKUP(C122,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I122=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C122=Console!$AT$6,C122=Console!$AT$5,C122=Console!$AT$4),IF(G122>0,G122*12*VLOOKUP(C122,Console!$AT$3:$AU$13,2,FALSE),MAX(L122,G122*12,K122*J122,H122)),MAX(L122,G122*12,K122*J122,H122)),IF(G122>0,G122*12*VLOOKUP(C122,Console!$AT$3:$AU$13,2,FALSE),MAX(L122,G122*12,K122*J122,H122)))),0)","v":0},0,0,0]
[null,23,{"$f":"Input!D130","v":0},{"$f":"Input!F130","v":0},{"$f":"Input!H130","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D130  = \"Child Maintenance \",0,\n Input!D130  = \"Rental Expense \",0,\n Input!D130  = \"Credit Card / Overdraft\",0,\nInput!J130)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D130  = \"Credit Card / Overdraft\",0,\nInput!L130)","v":0},{"$f":"IF(C123=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N130","v":0},{"$f":"Input!L130","v":0},null,{"$f":"IFERROR(VLOOKUP(C123,Console!$AT$4:$AV$13,3,FALSE)*MAX(E123:F123)*VLOOKUP(C123,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I123=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C123=Console!$AT$6,C123=Console!$AT$5,C123=Console!$AT$4),IF(G123>0,G123*12*VLOOKUP(C123,Console!$AT$3:$AU$13,2,FALSE),MAX(L123,G123*12,K123*J123,H123)),MAX(L123,G123*12,K123*J123,H123)),IF(G123>0,G123*12*VLOOKUP(C123,Console!$AT$3:$AU$13,2,FALSE),MAX(L123,G123*12,K123*J123,H123)))),0)","v":0},0,0,0]
[null,24,{"$f":"Input!D131","v":0},{"$f":"Input!F131","v":0},{"$f":"Input!H131","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D131  = \"Child Maintenance \",0,\n Input!D131  = \"Rental Expense \",0,\n Input!D131  = \"Credit Card / Overdraft\",0,\nInput!J131)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D131  = \"Credit Card / Overdraft\",0,\nInput!L131)","v":0},{"$f":"IF(C124=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N131","v":0},{"$f":"Input!L131","v":0},null,{"$f":"IFERROR(VLOOKUP(C124,Console!$AT$4:$AV$13,3,FALSE)*MAX(E124:F124)*VLOOKUP(C124,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I124=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C124=Console!$AT$6,C124=Console!$AT$5,C124=Console!$AT$4),IF(G124>0,G124*12*VLOOKUP(C124,Console!$AT$3:$AU$13,2,FALSE),MAX(L124,G124*12,K124*J124,H124)),MAX(L124,G124*12,K124*J124,H124)),IF(G124>0,G124*12*VLOOKUP(C124,Console!$AT$3:$AU$13,2,FALSE),MAX(L124,G124*12,K124*J124,H124)))),0)","v":0},0,0,0]
[null,25,{"$f":"Input!D132","v":0},{"$f":"Input!F132","v":0},{"$f":"Input!H132","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D132  = \"Child Maintenance \",0,\n Input!D132  = \"Rental Expense \",0,\n Input!D132  = \"Credit Card / Overdraft\",0,\nInput!J132)","v":0},{"$f":"_xlfn.SWITCH(TRUE,\n Input!D132  = \"Credit Card / Overdraft\",0,\nInput!L132)","v":0},{"$f":"IF(C125=$H$100,Console!$AV$9*12,0)","v":0},{"$f":"Input!N132","v":0},{"$f":"Input!L132","v":0},null,{"$f":"IFERROR(VLOOKUP(C125,Console!$AT$4:$AV$13,3,FALSE)*MAX(E125:F125)*VLOOKUP(C125,Console!$AT$4:$AV$13,2,FALSE),0)*12","v":0},{"$f":"IFERROR(IF(I125=\"Yes\",0,IF(Console!$AQ$3=Console!$AQ$15,IF(OR(C125=Console!$AT$6,C125=Console!$AT$5,C125=Console!$AT$4),IF(G125>0,G125*12*VLOOKUP(C125,Console!$AT$3:$AU$13,2,FALSE),MAX(L125,G125*12,K125*J125,H125)),MAX(L125,G125*12,K125*J125,H125)),IF(G125>0,G125*12*VLOOKUP(C125,Console!$AT$3:$AU$13,2,FALSE),MAX(L125,G125*12,K125*J125,H125)))),0)","v":0},0,0,0]
[null,"Total",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(P101:P125)","v":0}]

{"sheet":"Console","index":7,"n_rows":29,"n_cols":73,"rows_kept":29,"cut":false,"hidden":true,"merged":[]}
["Product Data",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Data",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expense Data",null,null,null,null,null,null,null,"Liability Data",null,null,null,null,null,"Old version no longer used since 11th Aug 2020, kept for reference",null,null,null,null,"Old version no longer used since 11th Aug 2020",null,null,null,null,null,null,null,null,null,null,null,"TOGGLES"]
["Products","Rate","Rate Loading","Assessment Rate",null,"Floor Rate",null,"Yes","IO","OO","Loan Term","P&I","IO",null,"Loan Amount",null,"States","Interest Only Terms",null,"Income Types","Allowance","Tax Type",null,"Payment Frequency","Multiplier",null,"Taxable Income ","Tax on this income ","Min","Max","Scalar","Rate",null,"Medicare Levy",null,"Company tax rate",null,"Living Expenses","Discretionary?",null,"HEM BUFFER",null,"Toggle Liabilities Calc:",null,null,"Liability Type","Multiplier",null,"Notes","Notes",null,"Hecs Payments",null,null,null,null,"Adults",null,null,null,null,null,null,null,"FY Years","Start Date",null,null,"Negative Gearing Option",null,"Negative Gearing options"]
["All Loan Types",null,0.02,{"$f":"C3+B3","v":0.02},"For Aggregate Lending on all loan purposes and products",5.6000000000000001E-2,null,"No","P&I","Inv","Minimum",1,1,null,"Miniumum",1000,"NSW",1,null,"Salary",1,"Progressive",null,"Annually",1,null,"0-$18,200 ","Nil ",0,18200,0,0,null,0.02,null,0.3,null,"Childcare ","No",null,0,null,"Use MAX of calc payment or delcared payment",null,null,"New Debt ",1,null,null,"Loan amount @ assessment rate, over loan term - P&I",null,"Repayment Income ",null,"Repayment Rate ",null,"Children",1,2,3,4,5,6,null,null,"FY20","2019-07-01",null,null,1,null,1,"Full","On all investment loans, the interest charged each year is applied as a tex deduction to gross income"]
["$ for $ Refi",null,0.01,{"$f":"C4+B4","v":0.01},"For Aggregate Lending with only Refinance loan purpose i.e no Cash out, no other debt consolidation, no purchase etc",null,null,null,null,null,"Maximum",30,5,null,"Maximum",99999999,"VIC",2,null,"Net Salary",1,"None",null,"Half Yearly",2,null,"$18,201 - $45,000","19c for each $1 over $18,200",{"$f":"AD3+0.001","v":18200.001},45000,0,0.16,null,null,null,null,null,"Clothing & other personal expenses ","No",null,null,null,null,null,null,"OO Mortgage",1.25,{"$f":"-AU4*PMT(Input!P12/12,30*12,100000,0,0)/100000","v":7.1759872580171484E-3},"Loading 25% ","Actual Pmt + 25% used, if no actual payment then 30yr P&I at assessment rate at 25% loading",null,0,0,0,null,0,{"$f":"AR8","v":0},{"$f":"AR3","v":0},{"$f":"BF4+$AR$15","v":0},{"$f":"BG4+$AR$15","v":0},{"$f":"BH4+$AR$15","v":0},{"$f":"BI4+$AR$15","v":0},null,null,"FY21","2020-07-01",null,null,null,null,2,"Partial","Interest is NOT used as a tax deduction, but rental incomes are treated as not taxable incomes"]
["Fixed Rate Only",null,1.4999999999999999E-2,{"$f":"C5+B5","v":1.4999999999999999E-2},"For Aggregate Lending with only Fixed Rate loan product(s) i.e no variable products","Personal Loan Other Liability Rate",null,null,null,"OO",null,null,null,null,null,null,"QLD",3,null,"Part Time Job",1,"Progressive",null,"Quarterly",4,null,"$45,001 – $135,000","$4,288 plus 30c for each $1 over $45,000",{"$f":"AD4+0.001","v":45000.000999999997},135000,{"$f":"ROUND((AD4-AC4)*AF4,2)+AE4","v":4288},0.3,null,null,null,"Business Type",null,"Education ","No",null,null,null,null,null,null,"Investment Mortgage",1.25,{"$f":"-AU5*PMT(Input!P12/12,30*12,100000,0,0)/100000","v":7.1759872580171484E-3},"Loading 25% ","Actual Pmt + 25% used, if no actual payment then 30yr P&I at assessment rate at 25% loading",null,"Below $45,881",45881,0.01,null,1,{"$f":"AR9","v":0},{"$f":"AR4","v":0},{"$f":"BF5+$AR$15","v":0},0,0,0,null,null,"FY22","2021-07-01",null,null,null,null,3,"Off","Interest is NOT used to deduct taxable income, and rental incomes are taxed"]
["Flow Buffer ",null,0.03,{"$f":"C6+B6","v":0.03},null,0.12,null,null,null,"Inv Property",null,null,null,null,null,null,"SA",4,null,"Casual",1,"Progressive",null,"Monthly",12,null,"$135,001 – $190,000","$31,288 plus 37c for each $1 over $135,000",135000.00099999999,190000,{"$f":"ROUND((AD5-AC5)*AF5,2)+AE5","v":31288},0.37,null,null,null,"Sole Trader",null,"Groceries ","No",null,null,null,null,null,null,"Personal Loan",1,{"$f":"-PMT(F6/12,7*12,10000,0,0)/10000","v":1.7652732797073818E-2},"Actual ","Actual repayment ",null,"$45,881 -$52,973",52973,0.02,null,2,{"$f":"AR10","v":0},{"$f":"AR5","v":0},0,0,0,0]
[null,null,null,null,null,null,null,null,null,"Inv Other","Borrower Entity",null,null,null,null,null,"WA",5,null,"Commission",0.8,"Progressive",null,"Fortnightly",{"$f":"(365.25/14)","v":26.089285714285715},null,"$190,001 and over","$51,638 plus 45c for each $1 over $190,000",190000.00099999999,10000000,{"$f":"ROUND((AD6-AC6)*AF6,2)+AE6","v":51638},0.45,null,null,null,"Partnership",null,"Insurance ","No",null,null,null,null,null,null,"Line of Credit",1,{"$f":"-PMT(Input!P12/12,30*12,100000,0,0)/100000","v":5.7407898064137193E-3},"Actual ","30yr P&I at assessment rate",null,"$52,974 -$ 56,151",56151,2.5000000000000001E-2,null,3,{"$f":"AR11","v":0},{"$f":"AR6","v":0},0,0,0,0]
["LVR <= 80%, Inv, IO",3.7900000000000003E-2,0.03,6.7900000000000002E-2,null,"NSR",null,null,null,null,"Individual",null,null,null,null,null,"TAS",6,null,"Overtime",0.8,"Progressive",null,"Weekly",{"$f":"(365.25/7)","v":52.178571428571431},null,null,null,null,null,null,null,null,null,null,"Company",null,"Investment property expenses                                          (new purchase / existing)","No",null,null,null,null,null,null,"Credit Card / Overdraft",1,3.7999999999999999E-2,3.7999999999999999E-2,"Limit x 3.80% = monthly figure ",null,"$56,152- $59,521",59521,0.03,null,4,{"$f":"BE7+$AR$17","v":0},{"$f":"BF7+$AR$17","v":0},0,0,0,0,null,null,null,null,null,null,"HEM",null,"HEM Options"]
["LVR <= 80%, OO, P&I",3.1400000000000004E-2,0.03,6.1400000000000003E-2,null,500,null,null,null,null,"Company",null,null,null,null,null,"ACT & NT",7,null,"Contract",1,"Progressive",null,"Daily",365.25,null,null,null,null,null,null,null,null,null,null,null,null,"Medical & Health ","No",null,null,null,null,null,null,"Rental Expense ",1,0,"Actual ","Notional rent ($650 per month per applicant) ",null,"$59,522 - $63,092",63092,3.5000000000000003E-2,null,5,{"$f":"BE8+$AR$17","v":0},{"$f":"BF8+$AR$17","v":0},0,0,0,0,null,null,null,null,null,null,2,null,1,"Absolute Gross Salary"]
["LVR <= 80%, OO, IO",3.2400000000000005E-2,0.03,6.2400000000000004E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,8,null,"Investment Income",0.8,"Progressive",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other ","No",null,null,null,null,null,null,"HECS / HELP ",1,0,"Actual ","Manual calculation based on income ",null,"$63,093- $66,877",66877,0.04,null,6,0,0,0,0,0,0,null,null,null,null,null,null,null,null,2,"Gross Taxable Salary as reported to ATO"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,null,"Business Net Profit",1,"Progressive",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Owner Occupied Council Rates/ Body Corp fees (new purchase/ existing)","No",null,null,null,null,null,null,"Child Maintenance ",1,0,"Actual ","Actual repayment ",null,"$66,878 - $70,890",70890,4.4999999999999998E-2,null,7,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,null,"Business Addbacks",1,"Progressive",null,null,null,null,"Low Income tax offset",null,null,null,null,null,null,null,null,null,null,"Recreation & Entertainment ","Yes",null,null,null,null,null,null,"Buy Now Pay Later",1,3.7999999999999999E-2,3.7999999999999999E-2,"Limit x 3.80% = monthly figure ",null,"$70,891 - $ 75,144",75144,0.05,null,8,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rental - Residential",0.8,"Progressive",null,null,null,null,"Taxable Income ","Offset on this income ","Min","Max","Scalar","Rate",null,null,null,null,null,"Telephone/ Internet/ Media & Music subscriptions ","No",null,null,null,null,null,null,"Other ",1,0,"Actual ","Actual repayment ",null,"$75,145 - $79,652",79652,5.5E-2,null,9,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rental - Commercial",0.7,"Progressive",null,null,null,null,"0-37500","Full offset $700",0,37500,700,0,null,null,null,null,null,"Transportation expenses ","No",null,null,null,"Options for toggle above DO NOT TOUCH:",null,null,null,null,null,null,null,null,"$79,653 - $ 84,432",84432,0.06,null,10,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Centrelink",1,"None",null,null,null,null,"37501-45000","$700 + 5 cents for every $1",37500.000999999997,45000,700,-0.05,null,null,null,null,null,null,null,null,null,null,"Use MAX of calc payment or delcared payment",null,null,null,null,null,null,null,null,"$84,433 - $89,498",89498,6.5000000000000002E-2,null,11,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Child Support",1,"None",null,null,null,null,"45001-66667","$324 + 1.5cents for every $1",45000.000999999997,66667,324,-1.4999999999999999E-2,null,null,null,null,null,null,null,null,null,null,"If actual pmt used then use in servicing, otherwise use calc",null,null,null,null,null,null,null,null,"$89,499 - $94,868",94868,7.0000000000000007E-2,null,12,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Foreign Income",0.9,"Progressive",null,null,null,null,"66,668+",0,66667.001000000004,100000000,0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$94,869 - $100,560",100560,7.4999999999999997E-2,null,13,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Foreign Rental Income",{"$f":"80%*90%","v":0.72000000000000008},"Progressive",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$100,561 - $106,593",106593,0.08,null,14,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$106,594 - $112,989",112989,8.5000000000000006E-2,null,15,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$112,990 - $ 119,769",119769,0.09,null,16,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Category 3 rental incomes to be entered seperately as per policy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$119,770 - $ 126,955",126955,9.5000000000000001E-2,null,17,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$126,959- $ 134,572",134572,0.1,null,18,0,0,0,0,0,0]
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[null,null,25,"Scheduled Loan Balance",{"$f":"'Loan Feature Input'!E51","v":0},null,null,null,null,25,"Loan Purpose - Construction",{"$f":"$E$39","v":0},{"$f":"$E$12","v":"Sub-prime"},null,null,{"$f":"SUMPRODUCT((OFFSET($AA$265,,,$Z$263,1)=$L31)*(OFFSET($AB$265,,,$Z$263,1)=$M31)*OFFSET($AE$265,,,$Z$263,1))","v":0},"MVD",null,null,null,null,null,null,null,"S&P","Amortising Period","<3 years","",0,1.75,null,null,null,null,null,24,null,null,null,null,null,"VIC - Metro"]
[null,null,26,"Employment",{"$f":"IF(E17=\"Alt Doc\",\"Self Employed\",'Loan Feature Input'!E5)","v":0},null,null,null,null,26,"Foreclosure Period",{"$f":"IF($E$28>$AC$314,$AB314,$AB$320)","v":"Non-Construction"},{"$f":"$E$59","v":"Exclude"},null,null,{"$f":"SUMPRODUCT((OFFSET($AB$314,,,$Z$312,1)=$L35)*(OFFSET($AA$314,,,$Z$312,1)=$M35)*OFFSET($AE$314,,,$Z$312,1))","v":0},"foreclosure",null,null,null,null,null,null,null,"S&P","Amortising Period","=3-<5 years","",3,1.5,null,null,null,null,null,25,null,null,null,null,null,"VIC - Non metro"]
[null,null,27,"Country of Loan Origination",{"$f":"'Loan Feature Input'!E52","v":"Australia"},null,null,null,null,27,"Fixed Expense",null,null,null,null,{"$f":"$AE$309","v":5000},"foreclosure",null,null,null,null,null,null,null,"S&P","Amortising Period","=5-<10 years","",5,1.25,null,null,null,null,null,26,null,null,null,null,null,"VIC - Metro"]
[null,null,28,"First Time Buyer",{"$f":"'Loan Feature Input'!E7","v":0},null,null,null,null,28,"Variable Expense",null,null,null,null,{"$f":"$AE$308","v":0.05},"foreclosure",null,null,null,null,null,null,null,"S&P","Amortising Period","=10-<15 years","",10,1.1000000000000001,null,null,null,null,null,27,null,null,null,null,null,"VIC - Non metro"]
[null,null,29,"Lenders Mortgage Insurance",{"$f":"'Loan Feature Input'!E53","v":"No"},null,null,null,null,29,"total adj: Default Prob",null,null,null,null,{"$f":"PRODUCT(P10:P31)","v":{"$error":"#N/A"}},"FF",null,null,null,null,null,null,null,"S&P","Amortising Period",">=15 years","",15,1,null,null,null,null,null,28,null,null,null,null,null,"VIC - Metro"]
[null,null,30,"Loan Purpose",{"$f":"'Loan Feature Input'!E8","v":0},null,null,null,null,30,"total adj: MVD",null,null,null,null,{"$f":"PRODUCT(P32:P34)","v":0},"MVD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29,null,null,null,null,null,"VIC - Non metro"]
[null,null,31,"Credit History",{"$f":"'Loan Feature Input'!E11","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W31+1","v":4},"Loan term (P&I)",null,null,null,null,null,null,null,null,null,null,null,30,null,null,null,null,null,"VIC - Metro"]
[null,null,32,"Type of Residence",{"$f":"IF('Loan Feature Input'!E9=\"Yes\",\"High Density\",\"NA\")","v":"NA"},null,null,null,null,null,"Rating Scenario",null,null,null,null,"AAA",null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y43:Y47)","v":4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC - Non metro"]
[null,null,33,"Scheduled LVR",{"$f":"'Loan Feature Input'!E59","v":""},null,null,null,null,null,"Foreclosure Frequency",{"$f":"$E$44","v":0},{"$f":"$E$33","v":0},null,{"$f":"OFFSET($AC$327,MATCH($P41,OFFSET($AB$328,,,$Z$326,1),0),)","v":0.1},{"$f":"MIN(1,IF(OR(AND($L$42<$AA$349,$M$42>AC349),AND($L$42>$AA$351,$M$42>=AC351)),1,O42*P38))","v":{"$error":"#N/A"}},"PD",null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple",null,null,null,null,null,null,null,null,null,null,"VIC - Metro"]
[null,null,34,"Years Business in Operation (for self-employed)",{"$f":"IF(E35=\"Self Employed\",'Loan Feature Input'!E6,0)","v":0},null,null,null,null,null,"MVD",null,null,null,{"$f":"OFFSET($AE$327,MATCH($P41,OFFSET($AB$328,,,$Z$326,1),0),)","v":0.45},{"$f":"O43*P39","v":0},null,null,null,null,null,null,null,null,"S&P","Loan term (P&I)","<=15 years","",0,0.4,null,null,null,null,null,null,null,null,null,null,null,"VIC - Non metro"]
[null,null,35,"Seasoning",{"$f":"'Loan Feature Input'!E61","v":0},null,null,null,null,null,"$ Loss",{"$f":"$E$28","v":0},{"$f":"$E$15","v":1},{"$f":"OFFSET($AD$327,MATCH($P41,OFFSET($AB$328,,,$Z$326,1),0),)","v":0.1},null,{"$f":"($L44*(1-P43)-$M44)-(M44*$N44*P$35/12)-(P$36+P$37*$L44*(1-P43))","v":-5001},null,null,null,null,null,null,null,null,"S&P","Loan term (P&I)","15years <term<30 years","",15.000999999999999,0.7,null,null,null,null,null,null,null,null,null,null,null,"VIC - Metro"]
[null,null,36,"Amortising Period Post IO in Years",{"$f":"'Loan Feature Input'!E62","v":0},null,null,null,null,null,"% Loss Severity",null,null,null,null,{"$f":"-P44/M44","v":5001},"LGD",null,null,null,null,null,null,null,"S&P","Loan term (P&I)","=30 years","",30,1,null,null,null,null,null,null,null,null,null,null,null,"VIC - Non metro"]
[null,null,37,"Interest Rate (%)",{"$f":"'Loan Feature Input'!E63","v":5.6000000000000001E-2},null,null,null,null,null,"Credit Support",null,null,null,null,{"$f":"IF((P45*P42)<0,0,P45*P42)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,"S&P","Loan term (P&I)",">30 years","",30.001000000000001,1.2,null,null,null,null,null,null,null,null,null,null,null,"QLD - Inner city"]
[null,null,38,"Discount Loan",{"$f":"'Loan Feature Input'!E64","v":"No"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD - Metro"]
[null,null,39,"Further Advances",{"$f":"'Loan Feature Input'!E65","v":"Yes"},null,null,null,null,null,"Default Interest",0.1,null,null,null,null,null,null,null,null,null,null,{"$f":"W40+1","v":5},"Savings Verified",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD - Non metro"]
[null,null,{"$f":"OFFSET(C49,-1,)+1","v":40},"Further Redraw",{"$f":"'Loan Feature Input'!E66","v":"Yes"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y51:Y54)","v":2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD - Metro"]
[null,null,41,"DSCR",{"$f":"'Loan Feature Input'!E67","v":"-"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple",null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(Z153,\" - \",AA153)","v":"QLD - Non metro"}]
[null,null,42,"Sources Documentation",{"$f":"'Loan Feature Input'!E35","v":2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Savings Verified","No",null,null,1.05,null,null,null,null,null,null,null,null,null,null,null,"SA - Inner city"]
[null,null,43,"Times Arrears",{"$f":"VLOOKUP('Loan Feature Input'!E60,AA207:AC211,3,FALSE)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Savings Verified","Yes",null,null,1,null,null,null,null,null,null,null,null,null,null,null,"SA - Metro"]
[null,null,44,"Credit History Years Ago",{"$f":"(TODAY()-'Loan Feature Input'!E12)/(365)","v":125.78630136986301},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SA - Non metro"]
[null,null,45,"Tax Returns",{"$f":"'Loan Feature Input'!E37","v":"No"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W48+1","v":6},"Documentation Sources",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(Z157,\" - \",AA157)","v":"SA - Metro"}]
[null,null,46,"Savings Verified",{"$f":"'Loan Feature Input'!E54","v":"Yes"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y57:Y62)","v":5},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"WA - Inner city"]
[null,null,47,"Valuation Type",{"$f":"'Loan Feature Input'!E55","v":"Yes"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple",null,null,null,null,null,null,null,null,null,null,"WA - Metro"]
[null,null,48,"Pool Date",{"$f":"'Loan Feature Input'!E56","v":45912},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Sources",0,"",0,1.5,null,null,null,null,null,null,null,null,null,null,null,"WA - Non metro"]
[null,null,49,"State",{"$f":"'Loan Feature Input'!E57","v":"Exclude"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Sources",1,"",1,1.4,null,null,null,null,null,null,null,null,null,null,null,"WA - Metro"]
[null,null,50,"Metro; Non metro; Inner city",{"$f":"'Loan Feature Input'!E58","v":"Exclude"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Sources",2,"",2,1.35,null,null,null,null,null,null,null,null,null,null,null,"TAS - Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Sources",3,null,3,1.3,null,null,null,null,null,null,null,null,null,null,null,"TAS - Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Sources",4,null,4,1.25,null,null,null,null,null,null,null,null,null,null,null,"TAS - Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TAS - Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W54+1","v":7},"Tax Returns",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TAS - Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y66:Y69)","v":2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(Z167,\" - \",AA167)","v":"VIC - Inner city"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple",null,null,null,null,null,null,null,null,null,null,"VIC - Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Tax Returns","No","",null,1,null,null,null,null,null,null,null,null,null,null,null,"VIC - Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Tax Returns","Yes","",null,0,null,null,null,null,null,null,null,null,null,null,null,"QLD - Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD - Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W63+1","v":8},"Documentation Seasoning",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(Z172,\" - \",AA172)","v":"QLD - Metro"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y72:Y79)","v":7},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD - Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Seasoning","<=12 mths","",0,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Seasoning","12-24 mths","",12.000999999999999,0.85]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Seasoning","24-36 mths","",24.001000000000001,0.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Seasoning","36-48 mths","",36.000999999999998,0.55000000000000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Seasoning","48-60 mths","",48.000999999999998,0.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Seasoning","60-72 mths","",60.000999999999998,0.15]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Documentation Seasoning",">72 mths","",72.001000000000005,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W69+1","v":9},"First Time Buyer"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y83:Y86)","v":3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","First Time Buyer","Yes",null,18,1.1000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","First Time Buyer","No",null,18,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","First Time Buyer","N/A",null,18,1.01]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W80+1","v":10},"Occupancy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y90:Y92)","v":2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy","Owner Occupied",null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy","Investment",null,null,1.1000000000000001]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W87+1","v":11},"Full Valuation"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y96:Y99)","v":3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Full Valuation","No","",null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Full Valuation","Yes","",null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Full Valuation","N/A",null,null,1]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W93+1","v":12},"Occupancy and High Density"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y103:Y109)","v":6}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy and High Density","Owner","Inner City",null,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy and High Density","Owner","Metro",null,1.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy and High Density","Owner","Non Metro",null,1.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy and High Density","Investment","Metro",null,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy and High Density","Investment","Non Metro",null,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Occupancy and High Density","Investment","Inner City",null,1.8]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W100+1","v":13},"S&P Postcodes"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y113:Y174)","v":61}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Postcode","State","Region"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,"Exclude","Exclude"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,200,"ACT","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,800,"NT","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,821,"NT","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,828,"NT","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,833,"NT","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000,"NSW","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1921,"NSW","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000,"NSW","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2006,"NSW","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2250,"NSW","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2558,"NSW","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2575,"NSW","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2600,"ACT","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2640,"NSW","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2740,"NSW","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2787,"NSW","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2900,"ACT","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2921,"NSW","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000,"VIC","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3011,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3211,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3335,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3342,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3425,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3444,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3750,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3812,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3910,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3921,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3926,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3945,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3972,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3979,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3980,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3984,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4000,"QLD","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4005,"QLD","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4210,"QLD","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4500,"QLD","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4550,"QLD","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000,"SA","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5006,"SA","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5200,"SA","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5800,"SA","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6000,"WA","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6005,"WA","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6215,"WA","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6800,"WA","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7000,"TAS","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7004,"TAS","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7200,"TAS","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7800,"TAS","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7900,"TAS","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8000,"VIC","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8400,"VIC","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8900,"VIC","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9000,"QLD","Inner city"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9300,"QLD","Non metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9400,"QLD","Metro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9597,"QLD","Non metro"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W110+1","v":14},"Residency"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y178:Y180)","v":2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Residency","Australian","",null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Residency","Other","",null,1.5]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W175+1","v":15},"Arrears <6mths"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y185:Y187)","v":2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Arrears <6mths","Multiple",null,0,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Arrears <6mths","Multiple",null,30.01,4.7]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W182+1","v":16},"Arrears"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y192:Y196)","v":4}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Arrears","Multiple","",0,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Arrears","Multiple","",30.01,2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Arrears","Multiple","",60.01,4.6500000000000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Arrears","Multiple","",90.01,4.7]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W189+1","v":17},"Credit History"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y200:Y203)","v":3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Credit History","0 credit events","",0,1,null,null,null,"Additional Multiples On",null,"No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Credit History","1 credit events","",1,{"$f":"2.5+AJ202","v":2.5},null,null,{"$f":"IF('Loan Feature Input'!E12>0,1,0)","v":0},"Months since last credit event",null,{"$f":"IF(AJ200=\"No\",0,IF(AG201=1,(TODAY()-'Loan Feature Input'!E12)/(365/12),0))","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Credit History","2 credit events","",2,{"$f":"3+AJ202","v":3},null,null,null,"Multiplier to Apply",null,{"$f":"IF(AJ201=0,0,IF(AJ201<=3,0.5,IF(AJ201<=6,0.25,0)))","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W197+1","v":18},"Times Arrears"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y207:Y212)","v":5}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Times Arrears","Up to 1","",0,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Times Arrears","2","",2,1.1000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Times Arrears","3",null,3,1.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Times Arrears","4",null,4,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Times Arrears","5 or more",null,5,2]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W204+1","v":19},"Discount Loan"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y216:Y219)","v":3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Discount Loan","Yes",null,18,1.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Discount Loan","No",null,18,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Discount Loan","N/A",null,18,1.02]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W213+1","v":20},"Self Employed Alt Doc"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y223:Y229)","v":6}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Alt Doc","Alt Doc","",0,3.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Alt Doc","Alt Doc","",12.000999999999999,2.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Alt Doc","Alt Doc","",24.001000000000001,2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Alt Doc","Alt Doc","",36.000999999999998,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Alt Doc","Alt Doc","",48.000999999999998,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Alt Doc","Alt Doc","",60.000999999999998,1]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W220+1","v":21},"Self Employed Full/Low Doc"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y233:Y239)","v":6}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Full/Low Doc","Full/Low Doc","",0,3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Full/Low Doc","Full/Low Doc","",12.000999999999999,2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Full/Low Doc","Full/Low Doc","",24.001000000000001,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Full/Low Doc","Full/Low Doc","",36.000999999999998,1.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Full/Low Doc","Full/Low Doc","",48.000999999999998,1.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Self Employed Full/Low Doc","Full/Low Doc","",60.000999999999998,1]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W230+1","v":22},"Employment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y244:Y252)","v":8}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","Over 65","",null,1.5,null,null,"Self Employed"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","PAYG","",null,1,null,null,{"$f":"AA245","v":"PAYG"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","PAYE/Part Time","",null,1,null,null,{"$f":"AA246","v":"PAYE/Part Time"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","PAYE/Casual","",null,3,null,null,"PAYE/Casual"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","Commission","",null,2,null,null,"Commission"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","Pension","",null,1.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","Unemployed","",null,4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Employment","N/A","Missing Data Assumption",null,1.5]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W241+1","v":23},"Further Advances & redraws"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y256:Y264)","v":6}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Advance","Redraw","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Further Advances","Yes","Yes",null,1.1000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Further Advances","No","Yes",null,1.05]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Further Advances","Yes","No",null,1.05]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Further Advances","No","No",null,1]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W253+1","v":24},"Loan Purpose"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y265:Y286)","v":21}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Business","Prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Construction","Prime",null,1.5,1.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Home Equity","Prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Home Improvement","Prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","N/A","Prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Purchase Existing","Prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Purchase New","Prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Refinance","Prime",null,1.2,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Refinance Equity Takeout","Prime",null,1.2,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Undefined","Prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Business","Sub-prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Construction","Sub-prime",null,1.5,1.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Home Equity","Sub-prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Home Improvement","Sub-prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","N/A","Sub-prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Purchase Existing","Sub-prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Purchase New","Sub-prime",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Refinance","Sub-prime",null,1.5,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Refinance Equity Takeout","Sub-prime",null,1.5,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Debt Consolidation","Sub-prime",null,1.5,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Loan Purpose","Undefined","Sub-prime",null,1,1]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W262+1","v":25},"Property Size"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y291:Y297)","v":6}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Property Size",">$0 to $1,000,000","",0,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Property Size",">$1,000,000 to $1,500,000","",1000001,null,1.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Property Size",">$1,500,000 to $2,000,000","",1500001,null,1.2250000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Property Size",">$2,000,000 to $2,500,000","",2000001,null,1.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Property Size",">$2,500,000 to $3,000,000","",2500001,null,1.2749999999999999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Property Size",">$3,000,000","",3000001,null,1.3]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W288+1","v":26},"Location"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y301:Y304)","v":3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","DF Multiple","MVD Multiple"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Location","Metro","",null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Location","Non Metro","",null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Location","Inner City","",null,null,1.25]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W298+1","v":27},"Foreclosure Expense"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","Description","Description2","Bound","Rating","Value/Benchmark"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Foreclosure Expense","Variable","",null,"N/A",0.05]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Foreclosure Expense","Fixed","",null,"N/A",5000]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W305+1","v":28},"Foreclosure Period"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rows",{"$f":"COUNTA(Y314:Y323)","v":9}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Foreclosure Period","Metro","Large Property",1000000,"N/A",18]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Foreclosure Period","Non Metro","Large Property",1000000,"N/A",24]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Foreclosure Period","Inner City","Large Property",1000000,"N/A",18]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Foreclosure Period","Metro","Construction",null,"N/A",18]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Foreclosure Period","Non Metro","Non-Construction",null,"N/A",18]
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[]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","AA+",8.7499999999999994E-2,4.6699999999999998E-2,0.44]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","AA",7.4999999999999997E-2,4.4999999999999998E-2,0.43]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","AA-",6.6666666666666666E-2,4.3299999999999998E-2,0.42333333333333328]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","A+",5.8333333333333334E-2,4.1700000000000001E-2,0.41666666666666663]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","A",0.05,0.04,0.41]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","BBB",3.2000000000000001E-2,3.5000000000000003E-2,0.38]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","BBB-",2.8333333333333332E-2,3.3300000000000003E-2,0.36666666666666664]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","BB-",1.7666666666666667E-2,2.8299999999999999E-2,0.32666666666666672]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","B+",1.4333333333333333E-2,2.6700000000000002E-2,0.31333333333333335]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","B",1.0999999999999999E-2,2.5000000000000001E-2,0.3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","","","B-",7.4999999999999997E-3,2.3300000000000001E-2,0.28666666666666663]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rating Agency","Data Category","seasoning","Description2","Bound","Rating","Value/Benchmark"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Minimum Default Frequency <6mths",6,"",0,"N/A",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Minimum Default Frequency <6mths",6,"",30.01,"N/A",1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Minimum Default Frequency >6mths",6,"",0,"N/A",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S&P","Minimum Default Frequency >6mths",6,"",90.01,"N/A",1]

{"sheet":"Version Control","index":10,"n_rows":30,"n_cols":5,"rows_kept":30,"cut":false,"hidden":true,"merged":[]}
["Version","Date","Editor","Change Request","Edits"]
[2.4,"2020-10-14","Jake Miller","Good Morning Jake, \n\nHappy Hump Day! \n\nCould you please look to adjust the BNK servicing with the new tax rates as per the budget announcement? \n\nThe details will be on the ATO website.  Please ensure you keep a list of any changes for version control. \n\nLet me know if you have any questions or require any assistance. \n\nThanks, \n","https://www.ato.gov.au/General/New-legislation/In-detail/Direct-taxes/Income-tax-for-individuals/JobMaker-Plan---bringing-forward-the-Personal-Income-Tax-Plan/\n\nEdit made from above table, in console increasing the tax rates:\nincrease the low income tax offset (LITO) from $445 to $700 and adjust the phase out rules\nincrease the top threshold of the 19% personal income tax bracket from $37,000 to $45,000, and\nincrease the top threshold of the 32.5% personal income tax bracket from $90,000 to $120,000.\n\nTaxable income\n\nTax on this income\n\n0 to $18,200\n\nNil\n\n$18,201 to $45,000\n\n19cents for each $1 over $18,200\n\n$45,001 to $120,000\n\n$5,092 plus 32.5cents for each $1 over $45,000\n\n$120,001 to $180,000\n\n$29,467 plus 37cents for each $1 over $120,000\n\n$180,001 and over\n\n$51,667 plus 45cents for each $1 over $180,000"]
[2.5,"2020-10-23","Jake Miller","Change request from Ben Shirvani:\nHi Jake \n\n• Please add rental income for cat 3 with 60% shading\n• Fix the bug for  overtime, commission and investment income (sees like I of investment is also missing )\n","Added rental income for category 3 with 60% shaded income, this unhid one of the free rental income types in the input and updated the shading in the formulas sheet.\nFixed bug where overtime income was not showing, the sum formula in the input sheet in row 44 was referencing the formulas sheet and looking it rows 15 to 20, where it should of been referencing rows 13 to 20.\nFixed bug in DTI/ LTI where personal loan was entered but balance and limit was not entered, then the limit was inferred incorrectly, this has been updated to set reversed limits to 0, and a flag has been put in input sheet in cells R107:R132 where if balance or limit has not been entered it will give a warning prompt."]
[2.6,"2020-11-17","Jake Miller","Change Request from Kean Burke and Scott Smith:\nThe major difference is that BNK calculator is deducting company tax from the NPBT and then adding this back to the borrower personal income and then it’s taxed again at personal tax rates.","Added option on Input page to select between borrower entity, now drop down option for business or individual.\nWhen Business is selected in the formulas sheet in cell range C40 to C46, there is an if statement that will change the taxable income from gross to net, what this then does it treats the business income as tax exempt from personal income, the business income tax rates will apply but the personal tax income rates do not. This essentially treats both entities seperately and filing seperate tax returns.\nWhen Individual is selected, then any business profit is treated as franked dividend, in this case franking credits are applied to the individuals total taxable income.\nThe next factor is if the business is company or SP/Partnership, as SP and Partnership are taxed under personal tax rates no corporate tax rate is applied, so in the formulas sheet in rows 51 and 52, the formulas check if the tax applied will be business or individual, then checks the company structure for SP/Partnership, where applicable will and subract income amounts"]
[2.7,"2020-11-23","Jake Miller","3 minor points though we need to address:\n• Borrowing entity cell (row 13) – I’d recommend the following names:\no Individual\no Company (not business)\n• Reset button is not working\n• Business income page – When an amount is put in the “add back” section, lines 29-31, the whole section turns dark grey. Is this supposed to happen? \n","Updated borrower entity names in console\nReset button fixed\nFixed error in excel macro that was turning the income page dark grey from selection\nBug fix business income tax calc - Updated the tax calculation to move formula from applicant 1 into applicant 2-5"]
[2.8,"2020-12-09","Jake Miller","Change Request ffrom Ben Shirvani | Better Choice <Ben.s@betterchoice.com.au>: Bug in the warning code for external liabilites, asking to enter balance/ limit when Hecs/help, child maintence and rental expesne were selected.","Updated Cells R107 to R132 in the Input sheet to check if liabilities type is  Hecs/help, child maintence and rental expesne and if so do not display error."]
[2.9,"2020-12-10","Jake Miller","CODE MERGE Sub Calc Dev Calc:\nChange Prime Calculator to the Specilist and Update Subordinate Calculator.\nCode merge of 3 calculators, using latest prime as base, then updating console and formulas with specialist rates, then updating subby calc UX to match new design and calcs.","Update Console Sheet, rate load from 2.5% to 2%\nUpdate Console Sheet, floor rate from 5.25% to 5.6%\nUpdate NSR min to $500, added NSR on console and updated pass/ fail in input to point to NSR of 500 from harcoded 1\nFor external liabilities, increased the repayment by 1.25 multiplier in console in column AV for OO and INV HLs\nIncreased the shading on Overtime, Commission and Investment income to 100%\nReduced shading on rental - commerical to 65%\nUpdated title on input sheet from Prime to Specialist\nUpdates to Loan Feature input to match development sheet and reduce fields and inputs\nUpdates to Subordinate Calculator to fix bugs founds in development version\nUpdates to Results Page"]
[3,"2021-01-27","Jake Miller","1. Updates to DTI Calculation where if loan has been consolidated it will not show in the DTI calculation.\n2. Updating PLs so we only use the input MMP instead of the calculated, regardless of if it is greater than the calculated payment","1. In the formulas sheet in P101:P125, adding in the IF function so that if POC field is Yes then display limit at 0 so this flows into DTI Calc\n2. In the formulas sheet in cells M101:M125 changing the formula to take into consideration when the loan is a personal loan to only use MMP unless nothing else is entered."]
[3.1,"2021-02-11","Jake Miller","Update to existing home loan calculation to use actual payment plys 25%","In the formulas sheet in cells M101:M125 changing the formula to take into consideration when the loan is a home loan to only use MMP multiplied by a vlookup to the console for the multiplier unless nothing else is entered"]
[3.2,"2021-02-23","Jake Miller","Request From Gloria, Email 23/02/2021\n\nGood Morning Jake,\n\nAs discussed, could we look to apply the following so we can run a few test cases through it? \n\n Include any investment property expenses as a tax deduction\n For negative gearing  can we change the calculation to detect if the loan is P&I or IO?\n Include the tax offset for low income earners as per Pepper policy \n\nAll income should be at 100% with residential rent shaded at 80% and 65% for commercial properties.  \n\nLet me know if you have any problems. \n","Investment Property Expense: Updated  Formulas sheet in cell C96 to add in investment property expenses, this sums up row 92 from the Input sheet and multiplies by 12 to make it an annual cost.\nP&I to IO Neg gearing: Updated the negative gearing formula in the Formulas sheet in cell C96 it now checks if any loan splits have intertest only status and if so, then calculates interest charges as if full interest was charged. Additionally in Cell A83 is the check for any IO loan splits.\nTax Offset: New ATO tax offsets added, the tables are in the console, which auto update into the formulas sheet, where each offset is calculated in rows 64 and 65, then put as deductions back into the tax payable cell in row 56. however the tax offset can not lead to tax being payable to the customer, so the max function was put in place to ensure tax payable does not go below 0.\nMaco bug fix to reset for new version of excel secuity, and hiding for foregin income rows in input sheet."]
[3.21,"2021-03-02","Jake Miller","Bug Fix to income offsets","The income offsets weren't applying to the second applicant, this required dragging the formula in E57 in the formulas sheet across to the right."]
[3.3,"2021-03-10","Jake Miller","Remove Notional Rent as per Policy and request from Gloria Mudge 10/3/21","In Console sheet cell AV10 changed from $650 to $0"]
[3.4,"2021-03-17","Jake Miller","Made the following updates on sheet “Subordinate Calculator” uploaded here https://lockbox.gs.com/lockbox/files/45cb1a91-4338-4d87-a9e1-76e5167858f6/info\n\n1)\tCell P42: = MIN(1,IF(OR(AND($L$42<$AA$349,$M$42>AC349),AND($L$42>$AA$351,$M$42>=AC351)),1,O42*P38))\n2)\tCells AA348:AA351:\n ","Updated as per the right, cells in AA348:AA351 are all now 6"]
[3.5,"2021-07-22","Jake Miller","Updates to Loan Feature Input UX, mutliple changes as per Nick Allen/ Kean Burke Feedback as per email on the 21/07/2021","Multiple updates to data display and cell reference for Loan Feature Input and Results page, mainly hiding redudant fields and the addition of a DLA calculation. Additional updates to display of units in Sub Calculations."]
["3.6-3.7","2021-08-04","Jake Miller","Updates as per Nick Allen Requests in emails 4/8/2021, 3/8/2021 and 29/7/2021. This was to amend the Loan Feature input and suboridate calculator, and UX changes to the Results page.","Subordinate Calculator sheet: Updating Issue Multipler to 1.00, default interest rate for AAA rating to 10%, for borrower employer hardcoding document type as full doc, changing months business open to months instead of years, updates to DLA calculation to include exception criteria, insertion of a toggle to stress the time since credit event when less than 6 months but toggled to off."]
[3.8,"2021-08-26","Jake Miller","Request from Nick Allen and Allan Savins to update the weightings within the subordinate calculator for the Loan term field","Updating cells from AC43:AD46 to change buckets to be 0 to 15, 15 to 29.999, 30, 30+ and corresponding weightings of 0.4,0,7,1,1.2."]
[4.0999999999999996,"2022-03-01","BCHL","See Ticket SD 1087","See ticket"]
["4.1.2","2022-07-21","Jake Miller","Update HEM and 3% servicing buffer from Gloria","Update to console to change buffer from 2% to 3% for interest rates, update to HEM expense table"]
[4.2,"2022-10-25","Steve Kaye","BNPL, HEC’s & HELP debts need to be included within the DTI calculations. \nHEC/HELP is already listed as a liability type, just need to ensure it is now in the DTI calculation. \nBNPL will need to be included within the liability section and should reflect the same as a credit card. This will need to be included in the DTI calculation. ","The HEC/HELP option now has the ability to input balance amount which is added to the total debt amount for the DTI calculation. \nBNPL option added to the Liability Type List on the Console Tab (column AT). The credit card multipler has then been applied to the BNPL row. This list is used for the data validation options in the Liability Expenses section (Input!D107:D133).\nAddition Fix: Balances were not clearing when a non balance liability option was selected. This in turn was continuing to be calculated in the DTI value. This has now been amended (View formula in Formulas!F101:F126)"]
[4.2,"2022-10-26","Steve Kaye","Incorrect Annual surplus when multiple households are entered. Error only occurs when the higher HEM and DLE are split on different households.","Net Disposable Income before new loan was pulling the higher value between total HEM and total DLE. This cell should've been pulling the Total All Households amount (cell Input!H148)"]
["4.2.1","2022-10-27","Steve Kaye","DSR changes in line with any adjustment but it is the assessed position output that needs reviewing on logic. \nWhere no conflicting repayment types ie all are IO 1 year or just 1 split it does change. This is due to aggregate totals with combination repay types with minimal change and would need to check logic on opened calc to see if that was intended due to minimal change or if it needs fixing. ","Surplus Income after loan repayments @ assessed rate how been updated to only use the sum of R15:R19 (as T21), not max(R20, T21). This updates the surplus for all scenarios.\nNSR value is updated as well since it used the same logic. That being  sum of R15:R19 (as T21), not max(R20, T21)"]
["4.2.2","2023-03-31","Michael Ma"," HEM income info updated per the attachment provided by Nick A,adding new HEM bucket per lastest HEM info(drop in table - Australia)","HEM tab - update HEM table"]
["4.2.3","2023-07-18","Michael Ma","1)\tLow to Middle Income Offset calculation is no long applicable as it finished at the end of 2022 financial year. However please note the Low Income Offset is still applicable.\na.\tThis to be updated please to remove low-middle income offset in tax table\n\n2)\tCalculators are applying 2% Medicare levy regardless of income, ie, for incomes $18,200 and below are being charged 2% when should be zero.\na.\tThis to be updated please to remove Medicare Levy calculation for gross individual incomes <$18,201","- remove low-middle income offset in tax table, set cell E65-X65 to 0\n- adjust cell E58 in 'Formulas' tab to add check if the gross individual incomes <$18,201 =IF(Formulas!E51<18201,0,E56*Console!$AH$3)\n- adjust the 'reset' function, expand the clear content scope from input tab only to including 'Income Calculators' and 'input' tabs"]
["4.2.4.1","2023-09-05","Michael Ma","Please default the selection to All Transactions and Hide the Selector so all loans are servicing with the 2% Buffer and no selection can be accessed.","- reorder the option like this. \n•\tAll Transactions (2%)\n•\tRefinance Only (1%)\n•\tFixed Rate Only (1.5%)\n•\tFlow Buffer (3%)\n - default the selection to All Transactions and Hide the Selector(D14) so all loans are servicing with the 2% Buffer and no selection can be accessed."]
["4.2.6.0","2023-11-22","Michael Ma","Update HEM info(using V3.22 2023 Q3 version)","Update HEM info(using V3.22 2023 Q3 version)"]
["4.2.7.0","2024-01-30","Nick Chong","Fixed Loan Type data validation so FLOW cannot be picked for external calcs","Fixed Loan Type data validation so FLOW cannot be picked for external calcs"]
["4.2.8.0","2024-06-22","Michael Ma","Update HEM info(using 2024 Q1 version)","Update HEM info(using 2024 Q1 version)"]
["4.3.0","2024-07-05","Michael Ma","Update new tax rate FY25","Update new tax rate FY25 per ato website https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents"]
["4.4.0","20/09/2024","Michael Ma","Update HEM info(using 2024 Q2 version)","Update HEM info(using 2024 Q2 version)"]
["4.4.0","2024-05-12","Michael Ma","change the Inv to Inv Property","change the Inv to Inv Property"]