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[]
[null,null,"Serviceability Calculator"]
[null,null,"Version 1.7a - Effective 18th December 2024"]
[null,null,"Net Service Ratio (NSR) Requirements (using Assessment Rate)\nAll applicantions: NSR must be ≥ 1.00\nApplicants with majority income as Government Allowances (eg. Pensions, Family Tax Benefits): NSR must be ≥ 1.25\n\n1% Interest Rate Buffer Eligiblity Rules\nAllowed for the following transactions:                                                                       The following rules apply:\n- Purchase of an investment property OR                                                                  - Minimum Equifax Credit Bureau score is 700, AND \n- Interest rate is FIXED across the whole loan (cash out ≤ $20,000) OR            - No RHI > 0 on all debts or default listings in the last 12 months & no unpaid defaults                                            \n- Refinance mortgage & debt consolidation (cash out ≤ $20,000)          \n\n0% Interest Rate Buffer Eligibility Rules\nAllowed for the following transactions:                                                                      The following rule applies:\n- Refinance home loan and associated costs only                                                  - No RHI > 0 on all debts or default listings in the last 12 months & no unpaid defaults \n- No cash out or any other loan purpose\n- The customer is placed into a better overall financial position as a result of a reduced interest rate and/or more affordable (lower) repayment\n\n\n\n\n"]
[]
[null,null,"Applicant Name"]
[]
[null,null,"Loan Details"]
[null,null,null,null,null,null,"Interest Rate Buffer",{"$f":"IF(ISBLANK(I9),\"                   <Select>\",\"\")","v":"                   <Select>"}]
[null,null,"New Loan Amount",null,null,null,"Interest Rate",5,null,null,"Assessment Rate",null,null,null,{"$f":"MAX(BaselineAssessmentRate,I10+I9)","v":0}]
[null,null,"(including capitalised fees)",null,null,null,"Loan Term",null,null,null,{"$f":"IF(I11>MaximumLoanTermInYearsForPrimeLoans, \"Loans Terms > \" & MaximumLoanTermInYearsForPrimeLoans & \" years not available on Prime\", \" \")","v":" "}]
[null,null,null,null,null,null,"I/O Term"]
[]
[null,null,"Applicant Details:",null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4",null,"Applicant 5",null,"Applicant 6",null,null,"Total"]
[null,null,"Status"]
[null,null,"Individual (Couple) With","Applicant 1"]
[null,null,"Dependants"]
[null,null,null,null,{"$f":"IF(AND(SUM(E19:E23,E25:E26)<>0,E15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(G19:G23,G25:G26)<>0,G15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(I19:I23,I25:I26)<>0,I15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(K19:K23,K25:K26)<>0,K15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(M19:M23,M25:M26)<>0,M15=\"\"),\"Enter a Status\",\"\")","v":""},null,{"$f":"IF(AND(SUM(O19:O23,O25:O26)<>0,O15=\"\"),\"Enter a Status\",\"\")","v":""}]
[null,null,"Gross Annual Income"]
[" ",null,"Untaxed Allowable Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(E20+G20+I20+K20+M20+O20)","v":0}]
[null,null,"Self Employed Income"]
[null,null,"Addbacks"]
[null,null,"Business NPBT"]
[]
[null,null,"Gross Rental Income",null,null,null,null,null,null,10000]
[null,null,"Investment Property Loan Balance",null,null,null,null,1,null,1]
[null,null,"Total Income",null,{"$f":"E25*RentalIncomeShading+E19+E20+E21+E22+E23","v":0},null,{"$f":"G25*RentalIncomeShading+G19+G20+G21+G22+G23","v":0},null,{"$f":"I25*RentalIncomeShading+I19+I20+I21+I22+I23","v":0},null,{"$f":"K25*RentalIncomeShading+K19+K20+K21+K22+K23","v":0},null,{"$f":"M25*RentalIncomeShading+M19+M20+M21+M22+M23","v":0},null,{"$f":"O25*RentalIncomeShading+O19+O20+O21+O22+O23","v":0},null,null,{"$f":"(E27+G27+I27+K27+M27+O27)","v":0}]
[null,null,"Is an Applicant",null,{"$f":"AND(E15<>\"\")","v":false},null,{"$f":"AND(G15<>\"\")","v":false},null,{"$f":"AND(I15<>\"\")","v":false},null,{"$f":"AND(K15<>\"\")","v":false},null,{"$f":"AND(M15<>\"\")","v":false},null,{"$f":"AND(O15<>\"\")","v":false}]
[null,null,"Spouse Dependants",null,{"$f":"IFERROR(HLOOKUP(E16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M16,ResiApplicantDetailsTable,4,FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O16,ResiApplicantDetailsTable,4,FALSE),0)","v":0}]
[null,null,"Pepper Status Code","Applicant 1",{"$f":"IF(E$15=\"Individual (Couple)\",\"P-C\",IF(E$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(G$15=\"Individual (Couple)\",\"P-C\",IF(G$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(I$15=\"Individual (Couple)\",\"P-C\",IF(I$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(K$15=\"Individual (Couple)\",\"P-C\",IF(K$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(M$15=\"Individual (Couple)\",\"P-C\",IF(M$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""},null,{"$f":"IF(O$15=\"Individual (Couple)\",\"P-C\",IF(O$15=\"Individual (Single)\",\"P-S\",\"\"))","v":""}]
[null,null,"Pepper Dependents Code",null,{"$f":"IF(E$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$17+E$29),Validation!$A$21:$A$26,1)),IF(E$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((E$17+E$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(G$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$17+G$29),Validation!$A$21:$A$26,1)),IF(G$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((G$17+G$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(I$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$17+I$29),Validation!$A$21:$A$26,1)),IF(I$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((I$17+I$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(K$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$17+K$29),Validation!$A$21:$A$26,1)),IF(K$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((K$17+K$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(M$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((M$17+M$29),Validation!$A$21:$A$26,1)),IF(M$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((M$17+M$29),Validation!$A$21:$A$26,1)),\"\"))","v":""},null,{"$f":"IF(O$15=\"Individual (Couple)\",\"P-CD\"&INDEX(Validation!$B$21:$B$26,MATCH((O$17+O$29),Validation!$A$21:$A$26,1)),IF(O$15=\"Individual (Single)\",\"P-SD\"&INDEX(Validation!$B$21:$B$26,MATCH((O$17+O$29),Validation!$A$21:$A$26,1)),\"\"))","v":""}]
[null,null,"Exclude for LE calc",null,{"$f":"IFERROR(IF(MATCH(E16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(G16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(I16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(K16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(M16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false},null,{"$f":"IFERROR(IF(MATCH(O16,$E$14:$O$14,0)<(COLUMN()-COLUMN($E$14:$O$14)+1),TRUE,FALSE),FALSE)","v":false}]
[null,null,"Workings for Negative Gearing",null,{"$f":"MIN(IF(E26>0,E26*WorkingsForNegativeGearing+($G$51*12*(E26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0),E25*RentalIncomeShading)","v":0},null,{"$f":"MIN(IF(G26>0,G26*WorkingsForNegativeGearing+($G$51*12*(G26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0),G25)","v":0},null,{"$f":"MIN(IF(I26>0,I26*WorkingsForNegativeGearing+($G$51*12*(I26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0),I25)","v":0},null,{"$f":"MIN(IF(K26>0,K26*WorkingsForNegativeGearing+($G$51*12*(K26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0),K25)","v":0},null,{"$f":"MIN(IF(M26>0,M26*WorkingsForNegativeGearing+($G$51*12*(M26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0),M25)","v":0},null,{"$f":"MIN(IF(O26>0,O26*WorkingsForNegativeGearing+($G$51*12*(O26/SUM($E$26,$G$26,$I$26,$K$26,$M$26,$O$26))),0),O25)","v":0}]
[null,null,"Total Taxable Income Exc Business NPBT",null,{"$f":"MAX(0,E19+E25*RentalIncomeShading-E33+E21)","v":0},null,{"$f":"MAX(0,G19+G25*RentalIncomeShading-G33+G21)","v":0},null,{"$f":"MAX(0,I19+I25*RentalIncomeShading-I33+I21)","v":0},null,{"$f":"MAX(0,K19+K25*RentalIncomeShading-K33+K21)","v":0},null,{"$f":"MAX(0,M19+M25*RentalIncomeShading-M33+M21)","v":0},null,{"$f":"MAX(0,O19+O25*RentalIncomeShading-O33+O21)","v":0},null,null,{"$f":"(E34+G34+I34+K34+M34+O34)","v":0}]
[null,null,"Spouse Income",null,{"$f":"IFERROR(HLOOKUP(E16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(E16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(G16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(G16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(I16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(I16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(K16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(K16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(M16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(M16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0},null,{"$f":"IFERROR(HLOOKUP(O16,$E$14:$O$27,ROWS($E$14:$O$27),FALSE),0)-IFERROR(HLOOKUP(O16,$E$14:$O$33,ROWS($E$14:$O$33),FALSE),0)","v":0}]
[null,null,"Income Bracket",null,{"$f":" IFERROR(HLOOKUP(E27+E35-E33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(G27+G35-G33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(I27+I35-I33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(K27+K35-K33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(M27+M35-M33,HemCombinedIncomeRange,3,TRUE),1)","v":1},null,{"$f":" IFERROR(HLOOKUP(O27+O35-O33,HemCombinedIncomeRange,3,TRUE),1)","v":1}]
[null,null,"Tax",null,{"$f":"IF(E15=\"Company\",E34*CompanyTax,INDEX(TaxForBracket,MATCH(E34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(E34,TaxBracketMin,1))*(E34-INDEX(TaxBracketMin,MATCH(E34,TaxBracketMin,1)))+IF(E34<='Tax Table'!$B$6,0,IF(E34<='Tax Table'!$B$7,(E34-'Tax Table'!$B$6)*'Tax Table'!$C$6,E34*'Tax Table'!$C$7)))+(E23*CompanyTax)","v":0},null,{"$f":"IF(G15=\"Company\",G34*CompanyTax,INDEX(TaxForBracket,MATCH(G34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(G34,TaxBracketMin,1))*(G34-INDEX(TaxBracketMin,MATCH(G34,TaxBracketMin,1)))+IF(G34<='Tax Table'!$B$6,0,IF(G34<='Tax Table'!$B$7,(G34-'Tax Table'!$B$6)*'Tax Table'!$C$6,G34*'Tax Table'!$C$7)))+(G23*CompanyTax)","v":0},null,{"$f":"IF(I15=\"Company\",I34*CompanyTax,INDEX(TaxForBracket,MATCH(I34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(I34,TaxBracketMin,1))*(I34-INDEX(TaxBracketMin,MATCH(I34,TaxBracketMin,1)))+IF(I34<='Tax Table'!$B$6,0,IF(I34<='Tax Table'!$B$7,(I34-'Tax Table'!$B$6)*'Tax Table'!$C$6,I34*'Tax Table'!$C$7)))+(I23*CompanyTax)","v":0},null,{"$f":"IF(K15=\"Company\",K34*CompanyTax,INDEX(TaxForBracket,MATCH(K34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(K34,TaxBracketMin,1))*(K34-INDEX(TaxBracketMin,MATCH(K34,TaxBracketMin,1)))+IF(K34<='Tax Table'!$B$6,0,IF(K34<='Tax Table'!$B$7,(K34-'Tax Table'!$B$6)*'Tax Table'!$C$6,K34*'Tax Table'!$C$7)))+(K23*CompanyTax)","v":0},null,{"$f":"IF(M15=\"Company\",M34*CompanyTax,INDEX(TaxForBracket,MATCH(M34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(M34,TaxBracketMin,1))*(M34-INDEX(TaxBracketMin,MATCH(M34,TaxBracketMin,1)))+IF(M34<='Tax Table'!$B$6,0,IF(M34<='Tax Table'!$B$7,(M34-'Tax Table'!$B$6)*'Tax Table'!$C$6,M34*'Tax Table'!$C$7)))+(M23*CompanyTax)","v":0},null,{"$f":"IF(O15=\"Company\",O34*CompanyTax,INDEX(TaxForBracket,MATCH(O34,TaxBracketMin,1))+INDEX(TaxRate,MATCH(O34,TaxBracketMin,1))*(O34-INDEX(TaxBracketMin,MATCH(O34,TaxBracketMin,1)))+IF(O34<='Tax Table'!$B$6,0,IF(O34<='Tax Table'!$B$7,(O34-'Tax Table'!$B$6)*'Tax Table'!$C$6,O34*'Tax Table'!$C$7)))+(O23*CompanyTax)","v":0}]
[null,null,"Tax offset for Low Income Earners",null,{"$f":"0-(IF(E15=\"Company\",0,MIN(E37,IF(OR(E34<=0,E34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(E34>TaxOffsetIncomeThreshholds,((E34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(E15=\"Company\",E34=\"\",E34=0),0,IF(VLOOKUP(E34,TaxOffsetForLowIncomeTable,2,TRUE)+(E34-VLOOKUP(E34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(E34,TaxOffsetForLowIncomeTable,2,TRUE)+(E34-VLOOKUP(E34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(E34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(G15=\"Company\",0,MIN(G37,IF(OR(G34<=0,G34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(G34>TaxOffsetIncomeThreshholds,((G34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(G15=\"Company\",G34=\"\",G34=0),0,IF(VLOOKUP(G34,TaxOffsetForLowIncomeTable,2,TRUE)+(G34-VLOOKUP(G34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(G34,TaxOffsetForLowIncomeTable,2,TRUE)+(G34-VLOOKUP(G34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(G34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(I15=\"Company\",0,MIN(I37,IF(OR(I34<=0,I34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(I34>TaxOffsetIncomeThreshholds,((I34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(I15=\"Company\",I34=\"\",I34=0),0,IF(VLOOKUP(I34,TaxOffsetForLowIncomeTable,2,TRUE)+(I34-VLOOKUP(I34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(I34,TaxOffsetForLowIncomeTable,2,TRUE)+(I34-VLOOKUP(I34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(I34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(K15=\"Company\",0,MIN(K37,IF(OR(K34<=0,K34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(K34>TaxOffsetIncomeThreshholds,((K34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(K15=\"Company\",K34=\"\",K34=0),0,IF(VLOOKUP(K34,TaxOffsetForLowIncomeTable,2,TRUE)+(K34-VLOOKUP(K34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(K34,TaxOffsetForLowIncomeTable,2,TRUE)+(K34-VLOOKUP(K34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(K34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(M15=\"Company\",0,MIN(M37,IF(OR(M34<=0,M34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(M34>TaxOffsetIncomeThreshholds,((M34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(M15=\"Company\",M34=\"\",M34=0),0,IF(VLOOKUP(M34,TaxOffsetForLowIncomeTable,2,TRUE)+(M34-VLOOKUP(M34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(M34,TaxOffsetForLowIncomeTable,2,TRUE)+(M34-VLOOKUP(M34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(M34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0},null,{"$f":"0-(IF(O15=\"Company\",0,MIN(O37,IF(OR(O34<=0,O34>=TaxOffsetMaximumEntitlement),0,TaxOffsetForLowIncomeEarners-IF(O34>TaxOffsetIncomeThreshholds,((O34-TaxOffsetIncomeThreshholds)*TaxOffSetReducedByPerc),0))))+IF(OR(O15=\"Company\",O34=\"\",O34=0),0,IF(VLOOKUP(O34,TaxOffsetForLowIncomeTable,2,TRUE)+(O34-VLOOKUP(O34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O34,TaxOffsetForLowIncomeTable,3,TRUE)<0,0,VLOOKUP(O34,TaxOffsetForLowIncomeTable,2,TRUE)+(O34-VLOOKUP(O34,TaxOffsetForLowIncomeTable,1,TRUE))*VLOOKUP(O34,TaxOffsetForLowIncomeTable,3,TRUE))))","v":0}]
[null,null,"Net",null,{"$f":"E27-(IF(E37+E38>0,E37+E38,0))","v":0},null,{"$f":"G27-(IF(G37+G38>0,G37+G38,0))","v":0},null,{"$f":"I27-(IF(I37+I38>0,I37+I38,0))","v":0},null,{"$f":"K27-(IF(K37+K38>0,K37+K38,0))","v":0},null,{"$f":"M27-(IF(M37+M38>0,M37+M38,0))","v":0},null,{"$f":"O27-(IF(O37+O38>0,O37+O38,0))","v":0},null,null,{"$f":"(E39+G39+I39+K39+M39+O39)","v":0}]
[null,null,"HEM Living Expense",null,{"$f":"IFERROR(IF(AND(E28,NOT(E32)),(VLOOKUP(E30,HemTableForExpenses,E36+1,FALSE) +(VLOOKUP(E31,HemTableForExpenses,E36+1,FALSE))*(E17+E29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(G28,NOT(G32)),(VLOOKUP(G30,HemTableForExpenses,G36+1,FALSE) +(VLOOKUP(G31,HemTableForExpenses,G36+1,FALSE))*(G17+G29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(I28,NOT(I32)),(VLOOKUP(I30,HemTableForExpenses,I36+1,FALSE) +(VLOOKUP(I31,HemTableForExpenses,I36+1,FALSE))*(I17+I29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(K28,NOT(K32)),(VLOOKUP(K30,HemTableForExpenses,K36+1,FALSE) +(VLOOKUP(K31,HemTableForExpenses,K36+1,FALSE))*(K17+K29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(M28,NOT(M32)),(VLOOKUP(M30,HemTableForExpenses,M36+1,FALSE) +(VLOOKUP(M31,HemTableForExpenses,M36+1,FALSE))*(M17+M29))*NumberOfWeeksInAYear,0),0)","v":0},null,{"$f":"IFERROR(IF(AND(O28,NOT(O32)),(VLOOKUP(O30,HemTableForExpenses,O36+1,FALSE) +(VLOOKUP(O31,HemTableForExpenses,O36+1,FALSE))*(O17+O29))*NumberOfWeeksInAYear,0),0)","v":0},null,null,{"$f":"(E40+G40+I40+K40+M40+O40)","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Customer Nominated Living Expenses",null,null,null,null,null,null,{"$f":"SUM(G50:G62)*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Living Expense Used",null,null,null,null,{"$f":"(MAX(R40,SUM(G50:G58,G62)*12))+(SUM(G59:G61)*12)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Net Available Income",null,null,null,null,{"$f":"R39-R42","v":0}]
[]
[]
[]
[null,null,"Commitments"]
[]
[null,null,"Living Expenses:",null,null,null,"Per Month",null,"Other Commitments:",null,null,null,"Per Month"]
[null,null,"Owner occupied property utilities, rates & costs",null,null,null,null,null,"Rent/Board"]
[null,null,"Investment property utilities, rates & costs",null,null,null,null,null,"Total Credit Card Limit",null,null,null,null,null,{"$f":"TEXT(CreditCardCommitments,\"0.0%\")&\": \"&M51*CreditCardCommitments","v":"3.8%: 0"},null,null,{"$f":"M51*CreditCardCommitments","v":0}]
[null,null,"Rented property costs",null,null,null,null,null,"Other Mortgage Repayments"]
[null,null,"Telephone, Internet, Pay TV & Media Streaming",null,null,null,null,null,"Other Liabilities"]
[null,null,"Groceries"]
[null,null,"Recreation & Entertainment"]
[null,null,"Clothing & Personal Care"]
[null,null,"Medical & Health"]
[null,null,"Transport"]
[null,null,"Insurance"]
[null,null,"Other Living Expenses"]
[null,null,"Education"]
[null,null,"Childcare"]
[]
[]
[null,null,"Results"]
[]
[null,null,"Actual Rate:",null,"Monthly",null,"Annual",null,"Assessment Rate:",null,null,null,"Monthly",null,"Annual"]
[null,null,"Total Income",null,{"$f":"G68/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$27","v":0},null,null,null,"Total Income",null,{"$f":"O68/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$27","v":0}]
[null,null,"Net Income",null,{"$f":"G69/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$39","v":0},null,null,null,"Net Income",null,{"$f":"R39/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$39","v":0}]
[null,null,"Living Costs",null,{"$f":"G70/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$42","v":0},null,null,null,"Living Costs",null,{"$f":"O70/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$42","v":0}]
[null,null,"Net Available Income",null,{"$f":"IFERROR(G71/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$G$69-$G$70","v":0},null,null,null,"Net Available Income",null,{"$f":"IFERROR(O71/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$O$69-$O$70","v":0}]
[null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(ResiInterestRate/NumberOfMonthsInAYear,(ResiLoanTerm-ResiLoanIOTerm)*NumberOfMonthsInAYear,ResiNewLoanAmount),0)","v":0},null,{"$f":"E72*NumberOfMonthsInAYear","v":0},null,null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(AssessmentRate/NumberOfMonthsInAYear,(ResiLoanTerm-ResiLoanIOTerm)*NumberOfMonthsInAYear,E10),0)","v":0},null,{"$f":"M72*NumberOfMonthsInAYear","v":0}]
[null,null,"Other Commitments",null,{"$f":"IFERROR(G73/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"O73","v":0},null,null,null,"Other Commitments",null,{"$f":"IFERROR(O73/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"($M$52*OtherMortgageRepaymentBuffer+$M$53+$R$51+$M$50)*NumberOfMonthsInAYear","v":0}]
[]
[null,null,"NSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(G71/(G72+G73),2),0))","v":0},null,{"$f":"IF(OR(ResiCheckForCompleteness=\"INCOMPLETE\",ResiTotalIncome=0),\"INCOMPLETE\",IF(AND(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),ResiActualNSR>=AcceptableNSRForGovernmentIncome,TRUE),(ResiActualNSR>=AcceptableNSRForAllOtherApplicants)),\"PASS\",\"FAIL\"))","v":"INCOMPLETE"},null,null,null,"NSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(O71/(O72+O73),2),0))","v":0},null,{"$f":"IF(OR(ResiCheckForCompleteness=\"INCOMPLETE\",ResiTotalIncome=0),\"INCOMPLETE\",IF(AND(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),ResiAssessmentNSR>=AcceptableNSRForGovernmentIncome,TRUE),(ResiAssessmentNSR>=AcceptableNSRForAllOtherApplicants)),\"PASS\",\"FAIL\"))","v":"INCOMPLETE"}]
[null,null,"DSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",\"-\",IFERROR((G72+G73-(M50*12))/R27,\"-\"))","v":"-"},null,null,null,null,null,"DSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",\"-\",IFERROR((O72 +O73-(M50*12))/R27,\"-\"))","v":"-"}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Application Status"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(ResiNewLoanAmount=\"\",ResiInterestRate=\"\",ResiLoanTerm=\"\",I9=\"\",E15=\"\",R27=0,E18<>\"\",G18<>\"\",I18<>\"\",K18<>\"\",M18<>\"\",O18<>\"\",I11<=I12,G50=\"\",G51=\"\",G52=\"\",G53=\"\",G54=\"\",G55=\"\",G56=\"\",G57=\"\",G58=\"\",G59=\"\",G60=\"\",G61=\"\",G62=\"\"),\"INCOMPLETE\",\"COMPLETE\")","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,"Eligible Loan Amount",null,null,null,null,null,{"$f":"IF(O75=\"INCOMPLETE\",O75,MAX(0,IF(O75=\"PASS\",ResiNewLoanAmount,IFERROR(-PV(O10/12,(ResiLoanTerm-ResiLoanIOTerm)*12,ROUNDDOWN(((O71-(O73*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants))))/(NumberOfMonthsInAYear*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants)))),0),0),0))))","v":"INCOMPLETE"}]
[]
[null,null,null,null,"Maximum Serviceable Loan Amount",null,null,null,null,null,null,null,{"$f":"IF(O75=\"INCOMPLETE\",O75,MAX(0,IFERROR(-PV(O10/12,(ResiLoanTerm-ResiLoanIOTerm)*12,ROUNDDOWN(((O71-(O73*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants))))/(NumberOfMonthsInAYear*(IF(AND(ResiTotalUntaxedAvailableIncome<>0,ResiTotalUntaxedAvailableIncome/ResiTotalIncome>AllowableGovernmentAllowanceOverTotalIncomeLimitation),AcceptableNSRForGovernmentIncome,AcceptableNSRForAllOtherApplicants)))),0),0),0)))","v":"INCOMPLETE"}]
[]
[]
[]
[]
[null,null,"Important Information:\nThis calculator is to be used as a guide only as to borrowing power based on the basic information provided. It is not an offer of credit or a quote.  Lending criteria, terms and conditions, fees and charges will apply should a borrower apply for credit.\nPepper New Zealand Limited NZBN 942 903 106 5153"]

{"sheet":"NonCCCFA","index":1,"n_rows":89,"n_cols":18,"rows_kept":89,"cut":false,"hidden":false,"merged":[[83,4,83,10],[83,12,83,14],[84,2,84,15],[88,2,88,15],[17,8,17,10],[18,8,18,10],[19,8,19,10],[66,8,66,10],[74,6,75,6],[74,14,75,14],[81,6,82,10],[81,12,82,14],[21,6,22,6],[3,2,3,16],[5,4,5,8],[9,10,9,12],[10,10,10,14],[13,2,13,12]]}
[]
[null,null,"Serviceability Calculator (Non-CCCFA loans only)"]
[null,null,{"$f":"Residential!C3","v":"Version 1.7a - Effective 18th December 2024"}]
[null,null,"Net Service Ratio (NSR) Requirements (using Assessment Rate)\nAll applicantions: NSR must be ≥ 1.00\nThis calculator is only to be used when (1) the loan is non-CCCFA regulated, (2) the borrower is not an individual and (3) the income adopted for the serviceability test is from the non-individual borrowing entity. \nIn all other cases the 'Residential' serviceability calculator is to be used. \n\n\n\n"]
[]
[null,null,"Applicant Name"]
[]
[null,null,"Loan Details"]
[null,null,null,null,null,null,"Interest Rate Buffer",{"$f":"IF(ISBLANK(I9),\"                   <Select>\",\"\")","v":"                   <Select>"}]
[null,null,"New Loan Amount",null,null,null,"Interest Rate",5,null,null,"Assessment Rate",null,null,null,{"$f":"MAX(BaselineAssessmentRate,I10+I9)","v":0}]
[null,null,"(including capitalised fees)",null,null,null,"Loan Term",null,null,null,{"$f":"IF(I11>MaximumLoanTermInYearsForPrimeLoans, \"Loans Terms > \" & MaximumLoanTermInYearsForPrimeLoans & \" years not available on Prime\", \" \")","v":" "}]
[null,null,null,null,null,null,"I/O Term"]
[]
[null,null,"Company / Trust Borrower Details:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,"Borrower"]
[null,null,"Borrower Type","Applicant 1"]
[]
[null,null,"Income",null,null,null,null,null,"Other Commitments:",null,null,null,"Per Month"]
[null,null,"Gross Annual Income excluding rent (+)",null,null,null,null,null,"Other Mortgage Repayments"]
[" ",null,"Gross Rental Income (+)",null,null,null,null,null,"Other Liabilities"]
[null,null," Expenses (-)"]
[null,null,"Interest Expense Addback (+)",null,null,null,{"$f":"IF((E22+E23)>E21,\"ERROR - EXPENSE INPUT\",\"\")","v":""}]
[null,null,"Acceptable Addbacks (+)",null,null,null,null,null,null,null,"Other Investment Property Loan Balance"]
[]
[]
[]
[null,null,"Business NPBT",null,{"$f":"E20*RentalIncomeShading+E19-E21+E22+E23","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Total Taxable Business NPBT",null,{"$f":"MAX(0,E27-E22-E23-((E10+M23)*ResiInterestRate))","v":0}]
[]
[]
[null,null,"Tax",null,{"$f":"IF(E16=\"Company\",E34*28%,(IF(E34<10001,E34*33%,E34*39%)))","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,"Business NPAT",null,{"$f":"E27-E37","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Results"]
[]
[null,null,"Actual Rate:",null,"Monthly",null,"Annual",null,"Assessment Rate:",null,null,null,"Monthly",null,"Annual"]
[null,null,"Total Income (Business adjusted NPBT)",null,{"$f":"G68/NumberOfMonthsInAYear","v":0},null,{"$f":"$E$27","v":0},null,null,null,"Total Income (Business adjusted NPBT)",null,{"$f":"O68/NumberOfMonthsInAYear","v":0},null,{"$f":"$E$27","v":0}]
[null,null,"Net Income (after tax)",null,{"$f":"G69/NumberOfMonthsInAYear","v":0},null,{"$f":"$E$44","v":0},null,null,null,"Net Income (after tax)",null,{"$f":"O69/NumberOfMonthsInAYear","v":0},null,{"$f":"$E$44","v":0}]
[null,null,"Living Costs",null,{"$f":"G70/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$42","v":0},null,null,null,"Living Costs",null,{"$f":"O70/NumberOfMonthsInAYear","v":0},null,{"$f":"$R$42","v":0}]
[null,null,"Net Available Income",null,{"$f":"IFERROR(G71/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$G$69-$G$70","v":0},null,null,null,"Net Available Income",null,{"$f":"IFERROR(O71/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"$O$69-$O$70","v":0}]
[null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(ResiInterestRate/NumberOfMonthsInAYear,(ResiLoanTerm-ResiLoanIOTerm)*NumberOfMonthsInAYear,ResiNewLoanAmount),0)","v":0},null,{"$f":"E72*NumberOfMonthsInAYear","v":0},null,null,null,"Proposed Repayments",null,{"$f":"IFERROR(-PMT(AssessmentRate/NumberOfMonthsInAYear,(ResiLoanTerm-ResiLoanIOTerm)*NumberOfMonthsInAYear,E10),0)","v":0},null,{"$f":"M72*NumberOfMonthsInAYear","v":0}]
[null,null,"Other Commitments",null,{"$f":"IFERROR(G73/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"((M19*OtherMortgageRepaymentBuffer)+NonCCCFA!M20)*NumberOfMonthsInAYear","v":0},null,null,null,"Other Commitments",null,{"$f":"IFERROR(O73/NumberOfMonthsInAYear,0)","v":0},null,{"$f":"((M19*OtherMortgageRepaymentBuffer)+NonCCCFA!M20)*NumberOfMonthsInAYear","v":0}]
[]
[null,null,"NSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(G71/(G72+G73),2),0))","v":0},null,{"$f":"IF((NonCCCFA!ResiCheckForCompleteness=\"INCOMPLETE\"),\"INCOMPLETE\",IF(ResiActualNSR>=Inputs!B22,\"PASS\",\"FAIL\"))","v":"INCOMPLETE"},null,null,null,"NSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",0,IFERROR(ROUNDDOWN(O71/(O72+O73),2),0))","v":0},null,{"$f":"IF((NonCCCFA!ResiCheckForCompleteness=\"INCOMPLETE\"),\"INCOMPLETE\",IF(ResiAssessmentNSR>=Inputs!B22,\"PASS\",\"FAIL\"))","v":"INCOMPLETE"}]
[null,null,"DSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",\"-\",IFERROR((G72+G73)/E44,\"-\"))","v":"-"},null,null,null,null,null,"DSR:",null,{"$f":"IF(K80=\"INCOMPLETE\",\"-\",IFERROR((O72+O73)/E44,\"-\"))","v":"-"}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Application Status"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(ResiNewLoanAmount=\"\",ResiInterestRate=\"\",ResiLoanTerm=\"\",E16=\"\",I9=\"\",I11<=I12,G22=\"ERROR - EXPENSE INPUT\"),\"INCOMPLETE\",\"COMPLETE\")","v":"INCOMPLETE"}]
[]
[null,null,null,null,null,null,"Eligible Loan Amount"]
[]
[null,null,null,null,"Maximum Serviceable Loan Amount"]
[]
[]
[]
[]
[null,null,"Important Information:\nThis calculator is to be used as a guide only as to borrowing power based on the basic information provided. It is not an offer of credit or a quote.  Lending criteria, terms and conditions, fees and charges will apply should a borrower apply for credit.\nPepper New Zealand Limited NZBN 942 903 106 5153"]

{"sheet":"TestCases","index":2,"n_rows":54,"n_cols":149,"rows_kept":54,"cut":false,"hidden":true,"merged":[]}
["Loan Amount","Interest Rate","Loan Term","IO Term","Status 1","Status 2","Status 3","Status 4","Status 5","Status 6","Couple With 1","Couple With 2","Couple With 3","Couple With 4","Couple With 5","Couple With 6","Dependants 1","Dependants 2","Dependants 3","Dependants 4","Dependants 5","Dependants 6","Gross Annual Income 1","Gross Annual Income 2","Gross Annual Income 3","Gross Annual Income 4","Gross Annual Income 5","Gross Annual Income 6","Untaxed Income 1","Untaxed Income 2","Untaxed Income 3","Untaxed Income 4","Untaxed Income 5","Untaxed Income 6","SEIC 1","SEIC 2","SEIC 3","SEIC 4","SEIC 5","SEIC 6","Add Backs 1","Add Backs 2","Add Backs 3","Add Backs 4","Add Backs 5","Add Backs 6","NPBT 1","NPBT 2","NPBT 3","NPBT 4","NPBT 5","NPBT 6","Gross Rental Income 1","Gross Rental Income 2","Gross Rental Income 3","Gross Rental Income 4","Gross Rental Income 5","Gross Rental Income 6","Investment Property Loan Balance 1","Investment Property Loan Balance 2","Investment Property Loan Balance 3","Investment Property Loan Balance 4","Investment Property Loan Balance 5","Investment Property Loan Balance 6","Owner occupied property utilities, rates & costs","Investment property utilities, rates & costs","Rented property costs","Telephone, Internet, Pay TV & Media Streaming","Groceries","Recreation & Entertainment","Clothing & Personal Care","Medical & Health","Transport","Insurance","Other Living Expenses","Education","Childcare","Rent/Board","Total Credit Card Limit","Other Mortgage Repayments","Other Liabilities","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - Living Costs","Actual Rate Monthly - Net Available Income","Actual Rate Monthly - Proposed Repayments","Actual Rate Monthly - Other Commitments","Actual Rate Annually Total Income","Actual Rate Annually - Net Income","Actual Rate Annually - Living Costs","Actual Rate Annually - Net Available Income","Actual Rate Annually - Proposed Repayments","Actual Rate Annually - Other Commitments","Assessment Rate Monthly Total Income","Assessment Rate Monthly - Net Income","Assessment Rate Monthly - Living Costs","Assessment Rate Monthly - Net Available Income","Assessment Rate Monthly - Proposed Repayments","Assessment Rate Monthly - Other Commitments","Assessment Rate Annually Total Income","Assessment Rate Annually - Net Income","Assessment Rate Annually - Living Costs","Assessment Rate Annually - Net Available Income","Assessment Rate Annually - Proposed Repayments","Assessment Rate Annually - Other Commitments","Actual NSR","Actual DSR","Actual Results","Assessment NSR","Assessment DSR","Assessment Results","Allowable Income","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - Living Costs","Actual Rate Monthly - Net Available Income","Actual Rate Monthly - Proposed Repayments","Actual Rate Monthly - Other Commitments","Actual Rate Annually Total Income","Actual Rate Annually - Net Income","Actual Rate Annually - Living Costs","Actual Rate Annually - Net Available Income","Actual Rate Annually - Proposed Repayments","Actual Rate Annually - Other Commitments","Assessment Rate Monthly Total Income","Assessment Rate Monthly - Net Income","Assessment Rate Monthly - Living Costs","Assessment Rate Monthly - Net Available Income","Assessment Rate Monthly - Proposed Repayments","Assessment Rate Monthly - Other Commitments","Assessment Rate Annually Total Income","Assessment Rate Annually - Net Income","Assessment Rate Annually - Living Costs","Assessment Rate Annually - Net Available Income","Assessment Rate Annually - Proposed Repayments","Assessment Rate Annually - Other Commitments","Actual NSR","Actual DSR","Actual Results","Assessment NSR","Assessment DSR","Assessment Results","Allowable Income","Pass or Fail","Run Scenario Flag","Date Tested","Scenario","Sequence","Name "]
[1000000,0.06,30,5,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,270000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,0,100000,0,0,0,0,0,300000,0,0,0,0,100,100,0,80,300,80,30,50,50,0,0,50,0,0,5000,1000,500,48750,32940.14,4553.12,28387.02,6443.01,1940,585000,395281.69,54637.440000000002,340644.25,77316.17,23280,48750,32940.14,4553.12,28387.02,7718.16,1940,585000,395281.69,54637.440000000002,340644.25,92617.95,23280,3.38,0.17195926184318125,"PASS",2.93,0.19811614756369292,"PASS",1000000,48750,32940.14,4553.12,28387.02,6443.01,1940,585000,395281.69,54637.440000000002,340644.25,77316.17,23280,48750,32940.14,4553.12,28387.02,7718.16,1940,585000,395281.69,54637.440000000002,340644.25,92617.95,23280,3.38,0.17195926184318125,"PASS",2.93,0.19811614756369292,"PASS",1000000,{"$f":"IF(AND(CD2=DI2,CE2=DJ2,CF2=DK2,CG2=DL2,CH2=DM2,CI2=DN2,CJ2=DO2,CK2=DP2,CL2=DQ2,CM2=DR2,CN2=DS2,CO2=DT2,CP2=DU2,CQ2=DV2,CR2=DW2,CS2=DX2,CT2=DY2,CU2=DZ2,CV2=EA2,CW2=EB2,CX2=EC2,CY2=ED2,CZ2=EE2,DA2=EF2,DB2=EG2,DC2=EH2,DD2=EI2,DE2=EJ2,DF2=EK2,DG2=EL2,DH2=EM2),\"Pass\",\"Fail\")","v":"Pass"},"Y","2023-08-09T16:33:05",null,"Case 1","Neil"]
[1000000,0.06,25,0,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,260000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2000,0,5000,1000,500,39583.33,26409,4503.12,21905.88,6443.01,1940,475000,316908.01,54037.440000000002,262870.57,77316.17,23280,39583.33,26409,4503.12,21905.88,7718.16,1940,475000,316908.01,54037.440000000002,262870.57,92617.95,23280,2.61,0.21178140669107584,"PASS",2.2599999999999998,0.24399567647317968,"PASS",1000000,39583.33,26409,4503.12,21905.88,6443.01,1940,475000,316908.01,54037.440000000002,262870.57,77316.17,23280,39583.33,26409,4503.12,21905.88,7718.16,1940,475000,316908.01,54037.440000000002,262870.57,92617.95,23280,2.61,0.21178140669107584,"PASS",2.2599999999999998,0.24399567647317968,"PASS",1000000,"Pass","Y","2023-08-09T16:33:07",null,"Case 2","Neil"]
[1000000,0.04,31,0,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,260000,0,0,0,0,0,0,0,0,0,0,0,135000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100000,0,0,0,0,0,1000000,0,0,0,0,500,300,0,300,1200,1500,1200,500,400,500,0,500,0,0,5000,10000,500,39583.33,26512.17,6900,19612.169999999998,4694.71,13190,475000,318146.05,82800,235346.05,56336.57,158280,39583.33,26512.17,6900,19612.169999999998,5926.95,13190,475000,318146.05,82800,235346.05,71123.399999999994,158280,1.0900000000000001,0.45182434882083577,"PASS",1.02,0.48295452512204151,"PASS",1000000,39583.33,26512.17,6900,19612.169999999998,4694.71,13190,475000,318146.05,82800,235346.05,56336.57,158280,39583.33,26512.17,6900,19612.169999999998,5926.95,13190,475000,318146.05,82800,235346.05,71123.399999999994,158280,1.0900000000000001,0.45182434882083577,"PASS",1.02,0.48295452512204151,"PASS",1000000,"Pass","Y","2023-08-09T16:33:08",null,"Case 3","Neil"]
[2000000,0.05,25,1,"Individual (Single)","Individual (Couple)","Individual (Single)",null,null,null,null,"Non-loan Party",null,null,null,null,null,null,3,null,null,null,80000,100000,120000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,25000,18672.560000000001,6985.39,11687.17,11937.95,0,300000,224070.68,83824.679999999993,140246,143255.4,0,25000,18672.560000000001,6985.39,11687.17,14355.19,0,300000,224070.68,83824.679999999993,140246,172262.3,0,0.97,0.4775180097758896,"FAIL",0.81,0.57420766358740138,"FAIL",1628261.1,25000,18672.560000000001,6985.39,11687.17,11937.95,0,300000,224070.68,83824.679999999993,140246,143255.4,0,25000,18672.560000000001,6985.39,11687.17,14355.19,0,300000,224070.68,83824.679999999993,140246,172262.3,0,0.97,0.4775180097758896,"FAIL",0.81,0.57420766358740138,"FAIL",1628261.1,"Pass","Y","2023-08-09T16:33:09",null,"Case 4","Neil"]
[1000000,0.04,25,0,"Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)","Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,null,18200,22000,30000,40000,95000,190000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,32933.33,24821.040000000001,6713,18108.04,5278.37,0,395200,297852.51,80556.06,217296.45,63340.42,0,32933.33,24821.040000000001,6713,18108.04,6443.01,0,395200,297852.51,80556.06,217296.45,77316.17,0,3.43,0.16027434421997289,"PASS",2.81,0.19563807737414227,"PASS",1000000,32933.33,24821.040000000001,6713,18108.04,5278.37,0,395200,297852.51,80556.06,217296.45,63340.42,0,32933.33,24821.040000000001,6713,18108.04,6443.01,0,395200,297852.51,80556.06,217296.45,77316.17,0,3.43,0.16027434421997289,"PASS",2.81,0.19563807737414227,"PASS",1000000,"Pass","Y","2023-08-09T16:33:10",null,"Case 5","Neil"]
[2500000,6.7900000000000002E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,1,0,0,0,0,0,0,0,150000,0,0,0,0,75000,0,0,0,0,0,535000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,82500.08,62153.31,20000,42153.31,15604.88,20650,990001,745839.75,240000,505839.75,187258.53,247800,82500.08,62153.31,20000,42153.31,19208.39,20650,990001,745839.75,240000,505839.75,230500.65,247800,1.1599999999999999,0.43945262147143943,"PASS",1.05,0.48313148649740451,"PASS",2500000,82500.08,62153.31,20000,42153.31,15604.88,20650,990001,745839.75,240000,505839.75,187258.53,247800,82500.08,62153.31,20000,42153.31,19208.39,20650,990001,745839.75,240000,505839.75,230500.65,247800,1.1599999999999999,0.43945262147143943,"PASS",1.05,0.48313148649740451,"PASS",2500000,"Pass","Y","2023-08-09T16:33:11",null,"Case 6","Neil"]
[2000000,5.2900000000000003E-2,30,3,"Company","Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,1,0,0,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,300000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,27500.080000000002,20500.07,1016.04,19484.04,11608.05,0,330001,246000.88,12192.44,233808.44,139296.62,0,27500.080000000002,20500.07,1016.04,19484.04,14136.59,0,330001,246000.88,12192.44,233808.44,169639.12,0,1.67,0.42210969960880051,"PASS",1.37,0.51405638464231895,"PASS",2000000,27500.080000000002,20500.07,1016.04,19484.04,11608.05,0,330001,246000.88,12192.44,233808.44,139296.62,0,27500.080000000002,20500.07,1016.04,19484.04,14136.59,0,330001,246000.88,12192.44,233808.44,169639.12,0,1.67,0.42210969960880051,"PASS",1.37,0.51405638464231895,"PASS",2000000,"Pass","Y","2023-08-09T16:33:13",null,"Case 7","Neil"]
[350000,0.06,12,5,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","",3,2,"","","","",100000,80000,0,0,0,0,0,1,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,30000,500,0,17083.419999999998,12721.83,6378.2,6343.63,5112.99,1765,205001,152661.95000000001,76538.42,76123.53,61355.93,21180,17083.419999999998,12721.83,6378.2,6343.63,5455.18,1765,205001,152661.95000000001,76538.42,76123.53,65462.1,21180,0.92,0.40261232302222583,"FAIL",0.87,0.42264233097015169,"FAIL",293721.09999999998,17083.419999999998,12721.83,6378.2,6343.63,5112.99,1765,205001,152661.95000000001,76538.42,76123.53,61355.93,21180,17083.419999999998,12721.83,6378.2,6343.63,5455.18,1765,205001,152661.95000000001,76538.42,76123.53,65462.1,21180,0.92,0.40261232302222583,"FAIL",0.87,0.42264233097015169,"FAIL",293721.09999999998,"Pass","Y","2023-08-09T16:33:14",null,"Case 8","Neil"]
[350000,0.06,12,5,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","",3,2,"","","","",100000,80000,0,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,30000,500,0,17083.330000000002,12721.75,6378.2,6343.54,5112.99,1765,205000,152660.95000000001,76538.42,76122.53,61355.93,21180,17083.330000000002,12721.75,6378.2,6343.54,5455.18,1765,205000,152660.95000000001,76538.42,76122.53,65462.1,21180,0.92,0.40261428698477714,"FAIL",0.87,0.42264439264005887,"FAIL",293721.09999999998,17083.330000000002,12721.75,6378.2,6343.54,5112.99,1765,205000,152660.95000000001,76538.42,76122.53,61355.93,21180,17083.330000000002,12721.75,6378.2,6343.54,5455.18,1765,205000,152660.95000000001,76538.42,76122.53,65462.1,21180,0.92,0.40261428698477714,"FAIL",0.87,0.42264439264005887,"FAIL",293721.09999999998,"Pass","Y","2023-08-09T16:33:15",null,"Case 9","Neil"]
[500000,7.0000000000000007E-2,20,3,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,150000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,0,0,0,0,0,0,4000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,13833.33,9832.74,4000,5832.74,4198.3,0,166000,117992.83,48000,69992.83,50379.64,0,13833.33,9832.74,4000,5832.74,4794.0200000000004,0,166000,117992.83,48000,69992.83,57528.23,0,1.38,0.30349180227473499,"PASS",1.21,0.34655562737885331,"PASS",500000,13833.33,9832.74,4000,5832.74,4198.3,0,166000,117992.83,48000,69992.83,50379.64,0,13833.33,9832.74,4000,5832.74,4794.0200000000004,0,166000,117992.83,48000,69992.83,57528.23,0,1.38,0.30349180227473499,"PASS",1.21,0.34655562737885331,"PASS",500000,"Pass","Y","2023-08-09T16:33:16",null,"Case 10","Neil"]
[500000,7.0000000000000007E-2,20,3,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,2,null,null,null,null,null,150000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,100000,0,0,0,0,0,4000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,13833.33,9832.74,4000,5832.74,4198.3,0,166000,117992.83,48000,69992.83,50379.64,0,13833.33,9832.74,4000,5832.74,4794.0200000000004,0,166000,117992.83,48000,69992.83,57528.23,0,1.38,0.30349180227473499,"PASS",1.21,0.34655562737885331,"PASS",500000,13833.33,9832.74,4000,5832.74,4198.3,0,166000,117992.83,48000,69992.83,50379.64,0,13833.33,9832.74,4000,5832.74,4794.0200000000004,0,166000,117992.83,48000,69992.83,57528.23,0,1.38,0.30349180227473499,"PASS",1.21,0.34655562737885331,"PASS",500000,"Pass","Y","2023-08-09T16:33:17",null,"Case 11","Neil"]
[200000,0.05,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",0,10000,0,0,0,0,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,3750,3650.92,1967.35,1683.57,1073.6400000000001,0,45000,43811,23608.22,20202.78,12883.72,0,3750,3650.92,1967.35,1683.57,1330.61,0,45000,43811,23608.22,20202.78,15967.26,0,1.56,0.28630486560647417,"PASS",1.26,0.35482799742889776,"PASS",200000,3750,3650.92,1967.35,1683.57,1073.6400000000001,0,45000,43811,23608.22,20202.78,12883.72,0,3750,3650.92,1967.35,1683.57,1330.61,0,45000,43811,23608.22,20202.78,15967.26,0,1.56,0.28630486560647417,"PASS",1.26,0.35482799742889776,"PASS",200000,"Pass","Y","2023-08-09T16:33:18",null,"Case 12","Neil"]
[1000000,0.05,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,200000,0,0,0,0,0,1000000,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,13333.33,9504.69,2687.38,6817.31,5368.22,0,160000,114056.23,32248.54,81807.69,64418.59,0,13333.33,9504.69,2687.38,6817.31,6653.03,0,160000,114056.23,32248.54,81807.69,79836.3,0,1.26,0.40261621725910429,"PASS",1.02,0.4989768713843874,"PASS",1000000,13333.33,9504.69,2687.38,6817.31,5368.22,0,160000,114056.23,32248.54,81807.69,64418.59,0,13333.33,9504.69,2687.38,6817.31,6653.03,0,160000,114056.23,32248.54,81807.69,79836.3,0,1.26,0.40261621725910429,"PASS",1.02,0.4989768713843874,"PASS",1000000,"Pass","Y","2023-08-09T16:33:19",null,"Case 13","Neil"]
[1500000,0.06,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)","","","","Applicant 2","Applicant 1","","","","","","","","","","",300000,10000,0,0,0,0,35000,0,35000,0,0,0,116000,0,0,0,0,0,15000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,42583.33,30139.07,4052.37,26086.7,8993.26,0,511000,361668.89,48628.49,313040.39,107919.09,0,42583.33,30139.07,4052.37,26086.7,11006.47,0,511000,361668.89,48628.49,313040.39,132077.62,0,2.9,0.21119196580723176,"PASS",2.37,0.25846893013363548,"PASS",1500000,42583.33,30139.07,4052.37,26086.7,8993.26,0,511000,361668.89,48628.49,313040.39,107919.09,0,42583.33,30139.07,4052.37,26086.7,11006.47,0,511000,361668.89,48628.49,313040.39,132077.62,0,2.9,0.21119196580723176,"PASS",2.37,0.25846893013363548,"PASS",1500000,"Pass","Y","2023-08-09T16:33:20",null,"Case 14","Neil"]
[1000000,0.06,30,0,"Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 3","Applicant 2","","","","","","","","","",0,50000,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,60000,60000,0,0,0,0,500000,500000,0,0,0,1000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,14250,11212.37,3591.14,7621.23,5995.51,0,171000,134548.47,43093.65,91454.82,71946.06,0,14250,11212.37,3591.14,7621.23,7337.65,0,171000,134548.47,43093.65,91454.82,88051.75,0,1.27,0.42073721063351038,"PASS",1.03,0.51492250798552719,"PASS",1000000,14250,11212.37,3591.14,7621.23,5995.51,0,171000,134548.47,43093.65,91454.82,71946.06,0,14250,11212.37,3591.14,7621.23,7337.65,0,171000,134548.47,43093.65,91454.82,88051.75,0,1.27,0.42073721063351038,"PASS",1.03,0.51492250798552719,"PASS",1000000,"Pass","Y","2023-08-09T16:33:21",null,"Case 15","Neil"]
[200000,0.05,30,0,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,8916.67,6606.91,1923.35,4683.5600000000004,1073.6400000000001,2630,107000,79282.929999999993,23080.26,56202.67,12883.72,31560,8916.67,6606.91,1923.35,4683.5600000000004,1330.61,2630,107000,79282.929999999993,23080.26,56202.67,15967.26,31560,1.26,0.41536185936720876,"PASS",1.18,0.44417999891869525,"PASS",200000,8916.67,6606.91,1923.35,4683.5600000000004,1073.6400000000001,2630,107000,79282.929999999993,23080.26,56202.67,12883.72,31560,8916.67,6606.91,1923.35,4683.5600000000004,1330.61,2630,107000,79282.929999999993,23080.26,56202.67,15967.26,31560,1.26,0.41536185936720876,"PASS",1.18,0.44417999891869525,"PASS",200000,"Pass","Y","2023-08-09T16:33:23",null,"Case 16","Neil"]
[200000,0.05,30,0,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,11000,8690.24,2076.75,6613.49,1073.6400000000001,2630,132000,104282.93,24921.05,79361.88,12883.72,31560,11000,8690.24,2076.75,6613.49,1330.61,2630,132000,104282.93,24921.05,79361.88,15967.26,31560,1.78,0.33669484054766169,"PASS",1.66,0.36005499912348782,"PASS",200000,11000,8690.24,2076.75,6613.49,1073.6400000000001,2630,132000,104282.93,24921.05,79361.88,12883.72,31560,11000,8690.24,2076.75,6613.49,1330.61,2630,132000,104282.93,24921.05,79361.88,15967.26,31560,1.78,0.33669484054766169,"PASS",1.66,0.36005499912348782,"PASS",200000,"Pass","Y","2023-08-09T16:33:24",null,"Case 17","Neil"]
[2500000,6.7900000000000002E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,0,0,300000,0,0,0,0,0,0,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,101666.67,74568.490000000005,20000,54568.49,15604.88,20650,1220000,894821.88,240000,654821.88,187258.53,247800,101666.67,74568.490000000005,20000,54568.49,19208.39,20650,1220000,894821.88,240000,654821.88,230500.65,247800,1.5,0.35660535631913648,"PASS",1.36,0.39204971701960406,"PASS",2500000,101666.67,74568.490000000005,20000,54568.49,15604.88,20650,1220000,894821.88,240000,654821.88,187258.53,247800,101666.67,74568.490000000005,20000,54568.49,19208.39,20650,1220000,894821.88,240000,654821.88,230500.65,247800,1.5,0.35660535631913648,"PASS",1.36,0.39204971701960406,"PASS",2500000,"Pass","Y","2023-08-09T16:33:25",null,"Case 18","Neil"]
[2500000,6.7900000000000002E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,0,0,0,0,0,0,75000,0,150000,0,0,0,0,75000,0,0,0,0,0,535000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,88750,68403.240000000005,20000,48403.24,15604.88,20650,1065000,820838.87,240000,580838.87,187258.53,247800,88750,68403.240000000005,20000,48403.24,19208.39,20650,1065000,820838.87,240000,580838.87,230500.65,247800,1.33,0.40850566639375258,"PASS",1.21,0.44910859602245723,"PASS",2500000,88750,68403.240000000005,20000,48403.24,15604.88,20650,1065000,820838.87,240000,580838.87,187258.53,247800,88750,68403.240000000005,20000,48403.24,19208.39,20650,1065000,820838.87,240000,580838.87,230500.65,247800,1.33,0.40850566639375258,"PASS",1.21,0.44910859602245723,"PASS",2500000,"Pass","Y","2023-08-09T16:33:26",null,"Case 19","Neil"]
[2500000,6.7900000000000002E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,0,0,0,0,0,0,75000,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,88750,68403.240000000005,20000,48403.24,15604.88,20650,1065000,820838.87,240000,580838.87,187258.53,247800,88750,68403.240000000005,20000,48403.24,19208.39,20650,1065000,820838.87,240000,580838.87,230500.65,247800,1.33,0.40850566639375258,"PASS",1.21,0.44910859602245723,"PASS",2500000,88750,68403.240000000005,20000,48403.24,15604.88,20650,1065000,820838.87,240000,580838.87,187258.53,247800,88750,68403.240000000005,20000,48403.24,19208.39,20650,1065000,820838.87,240000,580838.87,230500.65,247800,1.33,0.40850566639375258,"PASS",1.21,0.44910859602245723,"PASS",2500000,"Pass","Y","2023-08-09T16:33:27",null,"Case 20","Neil"]
[2500000,6.7900000000000002E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,0,0,0,0,0,0,409501,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,116625.08,96278.32,20000,76278.320000000007,15604.88,20650,1399501,1155339.8700000001,240000,915339.87,187258.53,247800,116625.08,96278.32,20000,76278.320000000007,19208.39,20650,1399501,1155339.8700000001,240000,915339.87,230500.65,247800,2.1,0.31086689806534362,"PASS",1.91,0.34176513969187372,"PASS",2500000,116625.08,96278.32,20000,76278.320000000007,15604.88,20650,1399501,1155339.8700000001,240000,915339.87,187258.53,247800,116625.08,96278.32,20000,76278.320000000007,19208.39,20650,1399501,1155339.8700000001,240000,915339.87,230500.65,247800,2.1,0.31086689806534362,"PASS",1.91,0.34176513969187372,"PASS",2500000,"Pass","Y","2023-08-09T16:33:28",null,"Case 21","Neil"]
[2500000,6.7900000000000002E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,"Non-loan Party","Applicant 5","Applicant 4",null,null,null,null,null,null,null,0,0,80000,30000,40000,1,0,0,0,0,0,0,535000,150000,0,0,0,0,75000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,82500.08,62153.31,20000,42153.31,15604.88,20650,990001,745839.75,240000,505839.75,187258.53,247800,82500.08,62153.31,20000,42153.31,19208.39,20650,990001,745839.75,240000,505839.75,230500.65,247800,1.1599999999999999,0.43945262147143943,"PASS",1.05,0.48313148649740451,"PASS",2500000,82500.08,62153.31,20000,42153.31,15604.88,20650,990001,745839.75,240000,505839.75,187258.53,247800,82500.08,62153.31,20000,42153.31,19208.39,20650,990001,745839.75,240000,505839.75,230500.65,247800,1.1599999999999999,0.43945262147143943,"PASS",1.05,0.48313148649740451,"PASS",2500000,"Pass","Y","2023-08-09T16:33:29",null,"Case 22","Neil"]
[2500000,6.7900000000000002E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","Individual (Couple)","Individual (Single)","","","Non-loan Party","Applicant 5","Applicant 4","","","","","","","",0,0,80000,30000,40000,1,0,0,0,0,0,500000,0,1,0,0,0,0,75000,0,0,0,0,0,35000,0,0,0,0,0,0,0,0,50000,50000,0,0,0,0,1000000,1000000,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,50000,15000,0,70000.17,64862.12,20000,44862.12,15604.88,20650,840002,778345.41,240000,538345.41,187258.53,247800,70000.17,64862.12,20000,44862.12,19208.39,20650,840002,778345.41,240000,538345.41,230500.65,247800,1.23,0.51792559387876036,"FAIL",1.1200000000000001,0.56940418566136386,"FAIL",1983378.31,70000.17,64862.12,20000,44862.12,15604.88,20650,840002,778345.41,240000,538345.41,187258.53,247800,70000.17,64862.12,20000,44862.12,19208.39,20650,840002,778345.41,240000,538345.41,230500.65,247800,1.23,0.51792559387876036,"FAIL",1.1200000000000001,0.56940418566136386,"FAIL",1983378.31,"Pass","Y","2023-08-09T16:33:30",null,"Case 23","Neil"]
[2000000,5.2900000000000003E-2,30,3,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,30000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,300000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,27500,20500,1016.04,19483.96,11608.05,0,330000,246000,12192.44,233807.56,139296.62,0,27500,20500,1016.04,19483.96,14136.59,0,330000,246000,12192.44,233807.56,169639.12,0,1.67,0.42211097872910236,"PASS",1.37,0.51405794238893909,"PASS",2000000,27500,20500,1016.04,19483.96,11608.05,0,330000,246000,12192.44,233807.56,139296.62,0,27500,20500,1016.04,19483.96,14136.59,0,330000,246000,12192.44,233807.56,169639.12,0,1.67,0.42211097872910236,"PASS",1.37,0.51405794238893909,"PASS",2000000,"Pass","Y","2023-08-09T16:33:31",null,"Case 24","Neil"]
[2000000,5.2900000000000003E-2,30,3,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",0,1,0,0,0,0,0,30000,0,0,0,0,330000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,30000.080000000002,20549.509999999998,2687.2,17862.32,11608.05,0,360001,246594.17,32246.38,214347.79,139296.62,0,30000.080000000002,20549.509999999998,2687.2,17862.32,14136.59,0,360001,246594.17,32246.38,214347.79,169639.12,0,1.53,0.38693398901837434,"PASS",1.26,0.47121847158299529,"PASS",2000000,30000.080000000002,20549.509999999998,2687.2,17862.32,11608.05,0,360001,246594.17,32246.38,214347.79,139296.62,0,30000.080000000002,20549.509999999998,2687.2,17862.32,14136.59,0,360001,246594.17,32246.38,214347.79,169639.12,0,1.53,0.38693398901837434,"PASS",1.26,0.47121847158299529,"PASS",2000000,"Pass","Y","2023-08-09T16:33:32",null,"Case 25","Neil"]
[1500000,0.06,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)","Individual (Single)",null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,36000,10000,0,0,0,0,35000,0,35000,100000,0,0,0,0,0,0,0,0,10000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,18833.330000000002,18249.22,4644.87,13604.35,8993.26,0,226000,218990.67,55738.48,163252.19,107919.09,0,18833.330000000002,18249.22,4644.87,13604.35,11006.47,0,226000,218990.67,55738.48,163252.19,132077.62,0,1.51,0.47751811737829836,"PASS",1.23,0.58441426238180416,"FAIL",1483173.27,18833.330000000002,18249.22,4644.87,13604.35,8993.26,0,226000,218990.67,55738.48,163252.19,107919.09,0,18833.330000000002,18249.22,4644.87,13604.35,11006.47,0,226000,218990.67,55738.48,163252.19,132077.62,0,1.51,0.47751811737829836,"PASS",1.23,0.58441426238180416,"FAIL",1483173.27,"Pass","Y","2023-08-09T16:33:34",null,"Case 26","Neil"]
[1000000,0.06,30,0,"Individual (Single)","Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 3","Applicant 2",null,null,null,null,null,null,null,null,null,0,50000,0,0,0,0,0,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,60000,60000,0,0,0,0,500000,500000,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,14250,11212.37,3591.14,7621.23,5995.51,0,171000,134548.47,43093.65,91454.82,71946.06,0,14250,11212.37,3591.14,7621.23,7337.65,0,171000,134548.47,43093.65,91454.82,88051.75,0,1.27,0.42073721063351038,"PASS",1.03,0.51492250798552719,"PASS",1000000,14250,11212.37,3591.14,7621.23,5995.51,0,171000,134548.47,43093.65,91454.82,71946.06,0,14250,11212.37,3591.14,7621.23,7337.65,0,171000,134548.47,43093.65,91454.82,88051.75,0,1.27,0.42073721063351038,"PASS",1.03,0.51492250798552719,"PASS",1000000,"Pass","Y","2023-08-09T16:33:35",null,"Case 27","Neil"]
[1000000,0.05,30,0,"Individual (Couple)","Individual (Couple)",null,null,null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,200000,0,0,0,0,0,1000000,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,13333.33,9504.69,2687.38,6817.31,5368.22,0,160000,114056.23,32248.54,81807.69,64418.59,0,13333.33,9504.69,2687.38,6817.31,6653.03,0,160000,114056.23,32248.54,81807.69,79836.3,0,1.26,0.40261621725910429,"PASS",1.02,0.4989768713843874,"PASS",1000000,13333.33,9504.69,2687.38,6817.31,5368.22,0,160000,114056.23,32248.54,81807.69,64418.59,0,13333.33,9504.69,2687.38,6817.31,6653.03,0,160000,114056.23,32248.54,81807.69,79836.3,0,1.26,0.40261621725910429,"PASS",1.02,0.4989768713843874,"PASS",1000000,"Pass","Y","2023-08-09T16:33:36",null,"Case 28","Neil"]
[1500000,0.06,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)",null,null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,300000,10000,0,0,0,0,35000,0,35000,0,0,0,116000,0,0,0,0,0,15000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,42583.33,30139.07,4052.37,26086.7,8993.26,0,511000,361668.89,48628.49,313040.39,107919.09,0,42583.33,30139.07,4052.37,26086.7,11006.47,0,511000,361668.89,48628.49,313040.39,132077.62,0,2.9,0.21119196580723176,"PASS",2.37,0.25846893013363548,"PASS",1500000,42583.33,30139.07,4052.37,26086.7,8993.26,0,511000,361668.89,48628.49,313040.39,107919.09,0,42583.33,30139.07,4052.37,26086.7,11006.47,0,511000,361668.89,48628.49,313040.39,132077.62,0,2.9,0.21119196580723176,"PASS",2.37,0.25846893013363548,"PASS",1500000,"Pass","Y","2023-08-09T16:33:37",null,"Case 29","Neil"]
[200000,0.05,30,0,"Individual (Single)",null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,107000,0,0,0,0,0,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,11000,8690.24,2076.75,6613.49,1073.6400000000001,2630,132000,104282.93,24921.05,79361.88,12883.72,31560,11000,8690.24,2076.75,6613.49,1330.61,2630,132000,104282.93,24921.05,79361.88,15967.26,31560,1.78,0.33669484054766169,"PASS",1.66,0.36005499912348782,"PASS",200000,11000,8690.24,2076.75,6613.49,1073.6400000000001,2630,132000,104282.93,24921.05,79361.88,12883.72,31560,11000,8690.24,2076.75,6613.49,1330.61,2630,132000,104282.93,24921.05,79361.88,15967.26,31560,1.78,0.33669484054766169,"PASS",1.66,0.36005499912348782,"PASS",200000,"Pass","Y","2023-08-09T16:33:38",null,"Case 30","Neil"]
[200000,0.05,30,0,"Individual (Single)","","","","","","","","","","","",1,"","","","","",107000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,10000,1000,1000,8916.67,6606.91,1923.35,4683.5600000000004,1073.6400000000001,2630,107000,79282.929999999993,23080.26,56202.67,12883.72,31560,8916.67,6606.91,1923.35,4683.5600000000004,1330.61,2630,107000,79282.929999999993,23080.26,56202.67,15967.26,31560,1.26,0.41536185936720876,"PASS",1.18,0.44417999891869525,"PASS",200000,8916.67,6606.91,1923.35,4683.5600000000004,1073.6400000000001,2630,107000,79282.929999999993,23080.26,56202.67,12883.72,31560,8916.67,6606.91,1923.35,4683.5600000000004,1330.61,2630,107000,79282.929999999993,23080.26,56202.67,15967.26,31560,1.26,0.41536185936720876,"PASS",1.18,0.44417999891869525,"PASS",200000,"Pass","Y","2023-08-09T16:33:39",null,"Case 31","Neil"]
[1500000,0.06,30,0,"Individual (Couple)","Individual (Couple)","Individual (Single)","Individual (Single)",null,null,"Applicant 2","Applicant 1",null,null,null,null,null,null,null,null,null,null,36000,10000,0,0,0,0,35000,0,35000,100000,0,0,0,0,0,0,0,0,10000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,18833.330000000002,18249.22,4644.87,13604.35,8993.26,0,226000,218990.67,55738.48,163252.19,107919.09,0,18833.330000000002,18249.22,4644.87,13604.35,11006.47,0,226000,218990.67,55738.48,163252.19,132077.62,0,1.51,0.47751811737829836,"PASS",1.23,0.58441426238180416,"FAIL",1483173.27,18833.330000000002,18249.22,4644.87,13604.35,8993.26,0,226000,218990.67,55738.48,163252.19,107919.09,0,18833.330000000002,18249.22,4644.87,13604.35,11006.47,0,226000,218990.67,55738.48,163252.19,132077.62,0,1.51,0.47751811737829836,"PASS",1.23,0.58441426238180416,"FAIL",1483173.27,"Pass","Y","2023-08-09T16:33:40",null,"Case 32","Neil"]
[3000000,7.0000000000000007E-2,40,5,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,225000,0,0,0,0,87500,87500,0,0,0,0,22500,22500,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,0,0,0,0,0,37083.33,33290.75,5671.16,27619.59,19165.689999999999,0,445000,399488.98,68053.94,331435.03999999998,229988.29,0,37083.33,33290.75,5671.16,27619.59,23519.79,0,445000,399488.98,68053.94,331435.03999999998,282237.46999999997,0,1.44,0.51682761588668136,"PASS",1.17,0.63424150619718878,"FAIL",2818265.06,37083.33,33290.75,5671.16,27619.59,19165.689999999999,0,445000,399488.98,68053.94,331435.03999999998,229988.29,0,37083.33,33290.75,5671.16,27619.59,23519.79,0,445000,399488.98,68053.94,331435.03999999998,282237.46999999997,0,1.44,0.51682761588668136,"PASS",1.17,0.63424150619718878,"FAIL",2818265.06,{"$f":"IF(AND(CD34=DI34,CE34=DJ34,CF34=DK34,CG34=DL34,CH34=DM34,CI34=DN34,CJ34=DO34,CK34=DP34,CL34=DQ34,CM34=DR34,CN34=DS34,CO34=DT34,CP34=DU34,CQ34=DV34,CR34=DW34,CS34=DX34,CT34=DY34,CU34=DZ34,CV34=EA34,CW34=EB34,CX34=EC34,CY34=ED34,CZ34=EE34,DA34=EF34,DB34=EG34,DC34=EH34,DD34=EI34,DE34=EJ34,DF34=EK34,DG34=EL34,DH34=EM34),\"Pass\",\"Fail\")","v":"Pass"},"Y","2023-08-09T16:33:42",null,"Case 33","Neil"]
[3000000,7.0000000000000007E-2,40,5,"Company","Individual (Single)","","","","","","","","","","","","","","","","",0,0,0,0,0,0,0,200000,0,0,0,0,87500,87500,0,0,0,0,22500,22500,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4000,0,0,0,0,0,0,35000,31207.41,5671.16,25536.25,19165.689999999999,0,420000,374488.98,68053.94,306435.03999999998,229988.29,0,35000,31207.41,5671.16,25536.25,23519.79,0,420000,374488.98,68053.94,306435.03999999998,282237.46999999997,0,1.33,0.5475911644513648,"PASS",1.08,0.67199397680416439,"PASS",3000000,35000,31207.41,5671.16,25536.25,19165.689999999999,0,420000,374488.98,68053.94,306435.03999999998,229988.29,0,35000,31207.41,5671.16,25536.25,23519.79,0,420000,374488.98,68053.94,306435.03999999998,282237.46999999997,0,1.33,0.5475911644513648,"PASS",1.08,0.67199397680416439,"PASS",3000000,"Pass","Y","2023-08-09T16:33:43",null,"Case 34","Neil"]
[3000000,7.0000000000000007E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 4","Applicant 3","","","","",2,0,"","",0,225000,100000,80000,0,0,0,0,0,0,0,0,87500,87500,37500,12500,0,0,22500,22500,52500,17500,0,0,0,0,0,0,0,0,0,0,20000,20000,0,0,0,0,500000,500000,0,0,0,0,0,0,0,0,0,0,0,0,15000,0,0,0,25000,5000,3000,64750,47851.68,21174.28,26677.4,19165.689999999999,10200,777000,574220.18999999994,254091.37,320128.81,229988.29,122400,64750,47851.68,21174.28,26677.4,23519.79,10200,777000,574220.18999999994,254091.37,320128.81,282237.46999999997,122400,0.9,0.45352418155672231,"FAIL",0.79,0.52076894499066795,"FAIL",2101677,64750,47851.68,21174.28,26677.4,19165.689999999999,10200,777000,574220.18999999994,254091.37,320128.81,229988.29,122400,64750,47851.68,21174.28,26677.4,23519.79,10200,777000,574220.18999999994,254091.37,320128.81,282237.46999999997,122400,0.9,0.45352418155672231,"FAIL",0.79,0.52076894499066795,"FAIL",2101677,"Pass","Y","2023-08-09T16:33:44",null,"Case 35","Neil"]
[1500000,5.9900000000000002E-2,30,0,"Individual (Single)","Individual (Couple)","Company","Company","","","","Non-loan party","","","","","",3,"","","","",0,95000,0,25000,0,0,85000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,20000,0,0,0,0,0,0,0,0,0,30000,30000,0,0,0,0,0,1000000,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1000,0,22750,18953.009999999998,5520.86,13432.15,8983.6200000000008,1250,273000,227436.13,66250.38,161185.75,107803.4,15000,22750,18953.009999999998,5520.86,13432.15,10996.01,1250,273000,227436.13,66250.38,161185.75,131952.16,15000,1.31,0.44982929052535398,"PASS",1.0900000000000001,0.53828631255083303,"PASS",1500000,22750,18953.009999999998,5520.86,13432.15,8983.6200000000008,1250,273000,227436.13,66250.38,161185.75,107803.4,15000,22750,18953.009999999998,5520.86,13432.15,10996.01,1250,273000,227436.13,66250.38,161185.75,131952.16,15000,1.31,0.44982929052535398,"PASS",1.0900000000000001,0.53828631255083303,"PASS",1500000,"Pass","Y","2023-08-09T16:33:45",null,"Case 36","Neil"]
[300000,5.0900000000000001E-2,30,0,"Individual (Couple)","Individual (Couple)","","","","","Non-loan Party","Non-loan party","","","","",3,"","","","","",72735,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,285,291,0,260,1100,400,700,0,69,48,0,0,0,1275,32500,1275,0,6061.25,4733.47,5166.3,-432.83,1627.01,4103.75,72735,56801.66,61995.61,-5193.95,19524.080000000002,49245,6061.25,4733.47,5166.3,-432.83,2014.07,4103.75,72735,56801.66,61995.61,-5193.95,24168.880000000001,49245,-7.0000000000000007E-2,0.73512170120144493,"FAIL",-7.0000000000000007E-2,0.79898097055993644,"FAIL",0,6061.25,4733.47,5166.3,-432.83,1627.01,4103.75,72735,56801.66,61995.61,-5193.95,19524.080000000002,49245,6061.25,4733.47,5166.3,-432.83,2014.07,4103.75,72735,56801.66,61995.61,-5193.95,24168.880000000001,49245,-7.0000000000000007E-2,0.73512170120144493,"FAIL",-7.0000000000000007E-2,0.79898097055993644,"FAIL",0,"Pass","Y","2023-08-09T16:33:46",null,"Case 37","Neil"]
[300000,0.06,40,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,1,1,1,1,1,1,1,1,1,0,0,0,0,0.08,7.0000000000000007E-2,1392.21,-1392.14,1650.64,0,1,0.88,16706.52,-16705.64,19807.689999999999,0,0.08,7.0000000000000007E-2,1392.21,-1392.14,2085.94,0,1,0.88,16706.52,-16705.64,25031.22,0,-0.84,19807.691061745812,"FAIL",-0.66,25031.220831890379,"FAIL",0,0.08,7.0000000000000007E-2,1392.21,-1392.14,1650.64,0,1,0.88,16706.52,-16705.64,19807.689999999999,0,0.08,7.0000000000000007E-2,1392.21,-1392.14,2085.94,0,1,0.88,16706.52,-16705.64,25031.22,0,-0.84,19807.691061745812,"FAIL",-0.66,25031.220831890379,"FAIL",0,"Pass","Y","2023-08-09T16:33:47",null,"Case 38","Neil"]
[100000,6.5000000000000002E-2,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,50,1,100,200,1,500,1,1,1,1,0,0,0,0,2083.33,1771.46,1858,-86.54,745.57,0,25000,21257.57,22296,-1038.43,8946.8799999999992,0,2083.33,1771.46,1858,-86.54,867.82,0,25000,21257.57,22296,-1038.43,10413.879999999999,0,-0.11,0.35787510504724657,"FAIL",-0.09,0.41655515201545629,"FAIL",0,2083.33,1771.46,1858,-86.54,745.57,0,25000,21257.57,22296,-1038.43,8946.8799999999992,0,2083.33,1771.46,1858,-86.54,867.82,0,25000,21257.57,22296,-1038.43,10413.879999999999,0,-0.11,0.35787510504724657,"FAIL",-0.09,0.41655515201545629,"FAIL",0,"Pass","Y","2023-08-09T16:33:48",null,"Case 39","Neil"]
[100000,6.5000000000000002E-2,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",50000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,50,1,100,200,1,500,1,1,1,1,0,0,0,0,4166.67,3440.43,2097.31,1343.12,745.57,0,50000,41285.199999999997,25167.73,16117.46,8946.8799999999992,0,4166.67,3440.43,2097.31,1343.12,867.82,0,50000,41285.199999999997,25167.73,16117.46,10413.879999999999,0,1.8,0.17893755252362328,"PASS",1.54,0.20827757600772814,"PASS",100000,4166.67,3440.43,2097.31,1343.12,745.57,0,50000,41285.199999999997,25167.73,16117.46,8946.8799999999992,0,4166.67,3440.43,2097.31,1343.12,867.82,0,50000,41285.199999999997,25167.73,16117.46,10413.879999999999,0,1.8,0.17893755252362328,"PASS",1.54,0.20827757600772814,"PASS",100000,"Pass","Y","2023-08-09T16:33:49",null,"Case 40","Neil"]
[300000,6.5000000000000002E-2,20,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",85000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,500,50,1,100,200,500,500,1,1,1,1,0,0,0,0,10833.33,8527.36,2856,5671.36,2236.7199999999998,0,130000,102328.3,34272,68056.3,26840.63,0,10833.33,8527.36,2856,5671.36,2603.4699999999998,0,130000,102328.3,34272,68056.3,31241.64,0,2.5299999999999998,0.20646640675802683,"PASS",2.17,0.24032028000891711,"PASS",300000,10833.33,8527.36,2856,5671.36,2236.7199999999998,0,130000,102328.3,34272,68056.3,26840.63,0,10833.33,8527.36,2856,5671.36,2603.4699999999998,0,130000,102328.3,34272,68056.3,31241.64,0,2.5299999999999998,0.20646640675802683,"PASS",2.17,0.24032028000891711,"PASS",300000,"Pass","Y","2023-08-09T16:33:51",null,"Case 41","Neil"]
[300000,6.5000000000000002E-2,20,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",85000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,500,50,1,100,200,500,500,200,1,400,1,0,0,1800,0,10833.33,8527.36,3454,5073.3599999999997,2236.7199999999998,2250,130000,102328.3,41448,60880.3,26840.63,27000,10833.33,8527.36,3454,5073.3599999999997,2603.4699999999998,2250,130000,102328.3,41448,60880.3,31241.64,27000,1.1299999999999999,0.41415871445033453,"PASS",1.04,0.44801258770122482,"PASS",300000,10833.33,8527.36,3454,5073.3599999999997,2236.7199999999998,2250,130000,102328.3,41448,60880.3,26840.63,27000,10833.33,8527.36,3454,5073.3599999999997,2603.4699999999998,2250,130000,102328.3,41448,60880.3,31241.64,27000,1.1299999999999999,0.41415871445033453,"PASS",1.04,0.44801258770122482,"PASS",300000,"Pass","Y","2023-08-09T16:33:52",null,"Case 42","Neil"]
[700000,6.5000000000000002E-2,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",100000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,50,1,100,200,500,500,200,1,400,1,0,0,1800,0,12083.33,9347.48,3176.1,6171.38,4424.4799999999996,2250,145000,112169.8,38113.199999999997,74056.59,53093.71,27000,12083.33,9347.48,3176.1,6171.38,5382.39,2250,145000,112169.8,38113.199999999997,74056.59,64588.73,27000,0.92,0.55237044119592382,"FAIL",0.8,0.63164643186954506,"FAIL",509940.34,12083.33,9347.48,3176.1,6171.38,4424.4799999999996,2250,145000,112169.8,38113.199999999997,74056.59,53093.71,27000,12083.33,9347.48,3176.1,6171.38,5382.39,2250,145000,112169.8,38113.199999999997,74056.59,64588.73,27000,0.92,0.55237044119592382,"FAIL",0.8,0.63164643186954506,"FAIL",509940.34,"Pass","Y","2023-08-09T16:33:53",null,"Case 43","Neil"]
[160000,6.5000000000000002E-2,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",56000,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,600,1,50,300,41,100,200,480,500,120,1,350,1,0,0,1800,0,7583.33,6230.86,2795.6,3435.27,1011.31,2250,91000,74770.37,33547.17,41223.199999999997,12135.71,27000,7583.33,6230.86,2795.6,3435.27,1230.26,2250,91000,74770.37,33547.17,41223.199999999997,14763.14,27000,1.05,0.43006270385785605,"PASS",0.98,0.45893559214087043,"FAIL",154113.57,7583.33,6230.86,2795.6,3435.27,1011.31,2250,91000,74770.37,33547.17,41223.199999999997,12135.71,27000,7583.33,6230.86,2795.6,3435.27,1230.26,2250,91000,74770.37,33547.17,41223.199999999997,14763.14,27000,1.05,0.43006270385785605,"PASS",0.98,0.45893559214087043,"FAIL",154113.57,"Pass","Y","2023-08-09T16:33:54",null,"Case 44","Neil"]
[160000,6.5000000000000002E-2,30,0,"Individual (Couple)","Individual (Couple)","","","","","Applicant 2","Applicant 1","","","","","","","","","","",58000,35000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,600,1,300,50,1,100,200,480,500,200,1,400,1,0,0,1800,0,7750,6345.21,2925.6,3419.62,1011.31,2250,93000,76142.570000000007,35107.17,41035.4,12135.71,27000,7750,6345.21,2925.6,3419.62,1230.26,2250,93000,76142.570000000007,35107.17,41035.4,14763.14,27000,1.04,0.42081404355983765,"PASS",0.98,0.44906600951418502,"FAIL",152032.71,7750,6345.21,2925.6,3419.62,1011.31,2250,93000,76142.570000000007,35107.17,41035.4,12135.71,27000,7750,6345.21,2925.6,3419.62,1230.26,2250,93000,76142.570000000007,35107.17,41035.4,14763.14,27000,1.04,0.42081404355983765,"PASS",0.98,0.44906600951418502,"FAIL",152032.71,"Pass","Y","2023-08-09T16:33:55",null,"Case 45","Neil"]
[100000,6.5000000000000002E-2,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",41000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,50,1,100,200,1,500,1,1,1,1,0,0,0,0,3416.67,2852.93,1970.35,882.58,745.57,0,41000,34235.17,23644.22,10590.95,8946.8799999999992,0,3416.67,2852.93,1970.35,882.58,867.82,0,41000,34235.17,23644.22,10590.95,10413.879999999999,0,1.18,0.21821652746783327,"PASS",1.01,0.25399704391186356,"PASS",100000,3416.67,2852.93,1970.35,882.58,745.57,0,41000,34235.17,23644.22,10590.95,8946.8799999999992,0,3416.67,2852.93,1970.35,882.58,867.82,0,41000,34235.17,23644.22,10590.95,10413.879999999999,0,1.18,0.21821652746783327,"PASS",1.01,0.25399704391186356,"PASS",100000,"Pass","Y","2023-08-09T16:33:56",null,"Case 46","Neil"]
[145000,6.5000000000000002E-2,20,0,"Individual (Couple)","","","","","","Non-loan Party","","","","","","","","","","","",51000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1000,1,250,1,100,200,1,500,1,200,1,1,0,0,0,0,4250,3497.61,2296.31,1201.3,1081.08,0,51000,41971.3,27555.73,14415.56,12972.97,0,4250,3497.61,2296.31,1201.3,1258.3399999999999,0,51000,41971.3,27555.73,14415.56,15100.12,0,1.1100000000000001,0.25437201094044481,"PASS",0.95,0.2960808678541233,"FAIL",138392.24,4250,3497.61,2296.31,1201.3,1081.08,0,51000,41971.3,27555.73,14415.56,12972.97,0,4250,3497.61,2296.31,1201.3,1258.3399999999999,0,51000,41971.3,27555.73,14415.56,15100.12,0,1.1100000000000001,0.25437201094044481,"PASS",0.95,0.2960808678541233,"FAIL",138392.24,"Pass","Y","2023-08-09T16:33:57",null,"Case 47","Neil"]
[300000,5.4399999999999997E-2,30,0,"Individual (Single)","","","","","","","","","","","","","","","","","",80000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,100,50,60,50,20,45,60,1,1,0,0,0,0,6666.67,5130.6899999999996,1335.79,3794.9,1692.09,0,80000,61568.23,16029.46,45538.76,20305.09,0,6666.67,5130.6899999999996,1335.79,3794.9,2085.33,0,80000,61568.23,16029.46,45538.76,25023.98,0,2.2400000000000002,0.25381360981084861,"PASS",1.81,0.31279977032647882,"PASS",300000,6666.67,5130.6899999999996,1335.79,3794.9,1692.09,0,80000,61568.23,16029.46,45538.76,20305.09,0,6666.67,5130.6899999999996,1335.79,3794.9,2085.33,0,80000,61568.23,16029.46,45538.76,25023.98,0,2.2400000000000002,0.25381360981084861,"PASS",1.81,0.31279977032647882,"PASS",300000,"Pass","Y","2023-08-09T16:33:58",null,"Case 48","Neil"]
[300000,5.4399999999999997E-2,30,0,"Individual (Single)","","","","","","","","","","","","","","","","","",60000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,100,50,60,50,20,45,60,1,1,0,0,0,0,5000,4012.18,1292.8,2719.39,1692.09,0,60000,48146.2,15513.55,32632.65,20305.09,0,5000,4012.18,1292.8,2719.39,2085.33,0,60000,48146.2,15513.55,32632.65,25023.98,0,1.6,0.33841814641446483,"PASS",1.3,0.41706636043530515,"PASS",300000,5000,4012.18,1292.8,2719.39,1692.09,0,60000,48146.2,15513.55,32632.65,20305.09,0,5000,4012.18,1292.8,2719.39,2085.33,0,60000,48146.2,15513.55,32632.65,25023.98,0,1.6,0.33841814641446483,"PASS",1.3,0.41706636043530515,"PASS",300000,"Pass","Y","2023-08-09T16:33:59",null,"Case 49","Neil"]
[300000,5.3999999999999999E-2,30,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,45000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,100,100,100,100,100,500,10,100,500,300,100,100,0,0,0,0,7500,6246.6,3065.34,3181.25,1684.59,0,90000,74959.14,36784.11,38175.03,20215.11,0,7500,6246.6,3065.34,3181.25,2077.14,0,90000,74959.14,36784.11,38175.03,24925.67,0,1.88,0.22461231674784571,"PASS",1.53,0.276951920023634,"PASS",300000,7500,6246.6,3065.34,3181.25,1684.59,0,90000,74959.14,36784.11,38175.03,20215.11,0,7500,6246.6,3065.34,3181.25,2077.14,0,90000,74959.14,36784.11,38175.03,24925.67,0,1.88,0.22461231674784571,"PASS",1.53,0.276951920023634,"PASS",300000,"Pass","Y","2023-08-09T16:34:00",null,"Case 50","Neil"]
[300000,5.3999999999999999E-2,30,0,"Individual (Single)","Individual (Single)","","","","","","","","","","","","","","","","",45000,25000,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,100,100,100,100,100,100,500,10,100,500,300,100,100,0,0,0,0,5833.33,4894.76,2998.71,1896.05,1684.59,0,70000,58737.14,35984.5,22752.639999999999,20215.11,0,5833.33,4894.76,2998.71,1896.05,2077.14,0,70000,58737.14,35984.5,22752.639999999999,24925.67,0,1.1200000000000001,0.28878726439008734,"PASS",0.91,0.3560810400303866,"FAIL",273838.14,5833.33,4894.76,2998.71,1896.05,1684.59,0,70000,58737.14,35984.5,22752.639999999999,20215.11,0,5833.33,4894.76,2998.71,1896.05,2077.14,0,70000,58737.14,35984.5,22752.639999999999,24925.67,0,1.1200000000000001,0.28878726439008734,"PASS",0.91,0.3560810400303866,"FAIL",273838.14,"Pass","Y","2023-08-09T16:34:02",null,"Case 51","Neil"]
[3000000,7.0000000000000007E-2,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 4","Applicant 3","","","","",2,0,"","",0,225000,100000,80000,0,0,0,0,0,0,0,0,87500,87500,37500,12500,0,0,22500,22500,52500,17500,0,0,0,0,0,0,0,0,0,0,10000,10000,0,0,0,0,500000,500000,0,0,0,0,0,0,0,0,0,0,0,0,15000,0,0,0,25000,5000,3000,63416.67,46976.88,21174.28,25802.6,19165.689999999999,10200,761000,563722.59,254091.37,309631.21000000002,229988.29,122400,63416.67,46976.88,21174.28,25802.6,23519.79,10200,761000,563722.59,254091.37,309631.21000000002,282237.46999999997,122400,0.87,0.46305951257499767,"FAIL",0.76,0.53171809495104994,"FAIL",1990068.86,63416.67,46976.88,21174.28,25802.6,19165.689999999999,10200,761000,563722.59,254091.37,309631.21000000002,229988.29,122400,63416.67,46976.88,21174.28,25802.6,23519.79,10200,761000,563722.59,254091.37,309631.21000000002,282237.46999999997,122400,0.87,0.46305951257499767,"FAIL",0.76,0.53171809495104994,"FAIL",1990068.86,"Pass","Y","2023-08-09T16:34:03",null,"Case 52","Neil"]
[3000000,0.01,40,5,"Company","Individual (Single)","Individual (Couple)","Individual (Couple)","","","","","Applicant 4","Applicant 3","","","","",2,0,"","",0,225000,100000,80000,0,0,0,0,0,0,0,0,87500,87500,37500,12500,0,0,22500,22500,52500,17500,0,0,0,0,0,0,0,0,0,0,10000,10000,0,0,0,0,500000,500000,0,0,0,0,0,0,0,0,0,0,0,0,15000,0,0,0,25000,5000,3000,63416.67,46976.88,21174.28,25802.6,8468.57,10200,761000,563722.59,254091.37,309631.21000000002,101622.85,122400,63416.67,46976.88,21174.28,25802.6,11545.51,10200,761000,563722.59,254091.37,309631.21000000002,138546.07,122400,1.38,0.29437956848516006,"PASS",1.18,0.34289890719931981,"PASS",3000000,63416.67,46976.88,21174.28,25802.6,8468.57,10200,761000,563722.59,254091.37,309631.21000000002,101622.85,122400,63416.67,46976.88,21174.28,25802.6,11545.51,10200,761000,563722.59,254091.37,309631.21000000002,138546.07,122400,1.38,0.29437956848516006,"PASS",1.18,0.34289890719931981,"PASS",3000000,{"$f":"IF(AND(CD54=DI54,CE54=DJ54,CF54=DK54,CG54=DL54,CH54=DM54,CI54=DN54,CJ54=DO54,CK54=DP54,CL54=DQ54,CM54=DR54,CN54=DS54,CO54=DT54,CP54=DU54,CQ54=DV54,CR54=DW54,CS54=DX54,CT54=DY54,CU54=DZ54,CV54=EA54,CW54=EB54,CX54=EC54,CY54=ED54,CZ54=EE54,DA54=EF54,DB54=EG54,DC54=EH54,DD54=EI54,DE54=EJ54,DF54=EK54,DG54=EL54,DH54=EM54),\"Pass\",\"Fail\")","v":"Pass"},"Y","2023-08-09T16:34:04",null,"Case 53","Neil"]

{"sheet":"Inputs","index":3,"n_rows":49,"n_cols":4,"rows_kept":49,"cut":false,"hidden":true,"merged":[]}
["Inputs"]
[]
["Baseline Assessment Rate",0]
[]
["Assessment Loading",0.02]
[]
["Credit Card Commitments",3.7999999999999999E-2]
[]
["Workings for Negative Gearing",0]
[]
["Other Mortgage Repayment Buffer",1.25]
[]
["Rental Income Shading",0.8]
[]
["Company Tax",0.28000000000000003]
[]
["NumberOfWeeksInAYear",52]
["NumberOfMonthsInAYear",12]
[]
["Acceptable NSR For LVR > 90%",1.35]
["Acceptable NSR For Applicants with majority income as Government Allowances",1.25]
["Acceptable NSR for All other applicants",1]
[]
["Allowable Government Allowance over Total Income Limitation",0.5]
[]
[]
["Interest rate buffer options"]
[null,0.02]
[null,0.01]
[null,0]
[]
["CRE"]
[null,"Full Doc","Alt Doc","Lease Doc"]
["Minimum ICR",1.5,1.75,1.75]
["Minimum DSCR",1.25,1.25,1.25]
[]
[]
["Residenital"]
["Minimum Loan Term in Years",10]
["Maximum Loan Term In years",40]
["Maximum Loan Term In Years For Prime Loans",30]
[]
["Minimum Interest Only Loan term in Years",0]
["Maximum Interest Only Loan term in Years",5]
[]
[]
[]
[null,"Company"]
[null,"Trust"]

{"sheet":"Tax Table","index":4,"n_rows":18,"n_cols":7,"rows_kept":18,"cut":false,"hidden":true,"merged":[[3,0,3,2],[8,0,8,2],[3,4,3,5]]}
[]
[]
[]
["Medicare Levy 2017 - 2018",null,null,1,"Tax offset for Low income earners"]
["Threshold","Value","Rate",null,"Thresholds","Max Tax Offset"]
["Minimum for partial levy",0,0,null,0,0]
["Minimum for full levy",0,0,null,0]
[]
["Tax 2021-2022"]
["Tax Bracket Min","Tax For Bracket","Tax Rate",null,"Reduced By over 37000K",0]
[0,0,{"$f":"10.5%+1.39%","v":0.11889999999999999}]
[14001,{"$f":"(A12-A11)*C11","v":1664.7188999999998},{"$f":"17.5%+1.39%","v":0.18889999999999998},2,"Tax offset for Low income earners"]
[48001,{"$f":"(A12-A11)*C11+(A13-A12)*C12","v":8087.3188999999993},{"$f":"30%+1.39%","v":0.31390000000000001},null,"Thresholds","Tax Offset $","Tax Offset%"]
[70001,{"$f":"(A12-A11)*C11+(A13-A12)*C12+(A14-A13)*C13","v":14993.118899999999},{"$f":"33%+1.39%","v":0.34390000000000004},null,0,0,0]
[180001,{"$f":"(A12-A11)*C11+(A13-A12)*C12+(A14-A13)*C13+(A15-A14)*C14","v":52822.118900000009},0.40389999999999998,null,0,0,0]
[999999999,null,null,null,0,0,0]
[null,null,null,null,0,0,0]
[null,null,null,null,0,0,0]

{"sheet":"HEM Table","index":5,"n_rows":92,"n_cols":18,"rows_kept":92,"cut":false,"hidden":true,"merged":[]}
["Combined Couple Gross Income",null,{"$f":"B2","v":0},{"$f":"C2","v":12000},{"$f":"D2","v":24000},36000,48000,60000,72000,84000,96000,108000,120000,150000,180000,240000,300000]
["NZ 2023 HEB CCCFA benchmark",null,12000,24000,36000,48000,60000,72000,84000,96000,108000,120000,150000,180000,240000,300000,999999999]
[null,null,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15]
["Pepper - Weekly"]
["Single","P-S",{"$f":"F22*12/52","v":160.29347152437759},{"$f":"F23*12/52","v":203.58207637606364},{"$f":"F24*12/52","v":234.47005140482077},{"$f":"F25*12/52","v":249.84724221979846},{"$f":"F26*12/52","v":262.71270484544533},{"$f":"F27*12/52","v":273.87594464079694},{"$f":"F28*12/52","v":283.7973369941538},{"$f":"F29*12/52","v":292.76637767205227},{"$f":"F30*12/52","v":300.97820045570307},{"$f":"F31*12/52","v":308.57122545407998},{"$f":"F32*12/52","v":325.45849333799993},{"$f":"F33*12/52","v":340.11141537911766},{"$f":"F34*12/52","v":364.90708828450846},{"$f":"F35*12/52","v":385.65260720798773},{"$f":"F35*12/52","v":385.65260720798773}]
["Couple","P-C",{"$f":"L22*12/52","v":280.99068307655074},{"$f":"L23*12/52","v":356.52032288836841},{"$f":"L24*12/52","v":410.47955353888386},{"$f":"L25*12/52","v":454.00422494915534},{"$f":"L26*12/52","v":483.30258186907156},{"$f":"L27*12/52","v":503.04217744799769},{"$f":"L28*12/52","v":520.58585439353305},{"$f":"L29*12/52","v":536.44551869872839},{"$f":"L30*12/52","v":550.9662191124761},{"$f":"L31*12/52","v":564.39271943284848},{"$f":"L32*12/52","v":594.25392859548458},{"$f":"L33*12/52","v":620.16421632948925},{"$f":"L34*12/52","v":664.00960209856146},{"$f":"L35*12/52","v":700.69323168386086},{"$f":"L35*12/52","v":700.69323168386086}]
["Single parent with 1 child  (per child)","P-SD1",{"$f":"($G$22-$F$22)*12/52","v":68.954975160961624},{"$f":"($G$23-$F$23)*12/52","v":87.209077713480241},{"$f":"($G$24-$F$24)*12/52","v":100.27602628539231},{"$f":"($G$25-$F$25)*12/52","v":120.06576789570235},{"$f":"($G$26-$F$26)*12/52","v":125.8044542284085},{"$f":"($G$27-$F$27)*12/52","v":130.78385788502769},{"$f":"($G$28-$F$28)*12/52","v":135.20933097964618},{"$f":"($G$29-$F$29)*12/52","v":139.21000415039541},{"$f":"($G$30-$F$30)*12/52","v":142.87291752913154},{"$f":"($G$31-$F$31)*12/52","v":146.25981390821772},{"$f":"($G$32-$F$32)*12/52","v":153.79244108393775},{"$f":"($G$33-$F$33)*12/52","v":160.32843018112615},{"$f":"($G$34-$F$34)*12/52","v":171.38863014071995},{"$f":"($G$35-$F$35)*12/52","v":180.64224420615463},{"$f":"($G$35-$F$35)*12/52","v":180.64224420615463}]
["Single parent with 2 children  (per child)","P-SD2",{"$f":"(($H$22-$F$22)/2)*12/52","v":66.659678847400031},{"$f":"(($H$23-$F$23)/2)*12/52","v":84.291348035896263},{"$f":"(($H$24-$F$24)/2)*12/52","v":96.878600455997315},{"$f":"(($H$25-$F$25)/2)*12/52","v":111.78583465806346},{"$f":"(($H$26-$F$26)/2)*12/52","v":124.11537901772653},{"$f":"(($H$27-$F$27)/2)*12/52","v":128.93617042735499},{"$f":"(($H$28-$F$28)/2)*12/52","v":133.22067599253694},{"$f":"(($H$29-$F$29)/2)*12/52","v":137.09391306755077},{"$f":"(($H$30-$F$30)/2)*12/52","v":140.64014923720848},{"$f":"(($H$31-$F$31)/2)*12/52","v":143.9191605597577},{"$f":"(($H$32-$F$32)/2)*12/52","v":151.21184596644696},{"$f":"(($H$33-$F$33)/2)*12/52","v":157.53963986828541},{"$f":"(($H$34-$F$34)/2)*12/52","v":168.24753194349461},{"$f":"(($H$35-$F$35)/2)*12/52","v":177.20638450315042},{"$f":"(($H$35-$F$35)/2)*12/52","v":177.20638450315042}]
["Single parent with 3 children  (per child)","P-SD3",{"$f":"(($I$22-$F$22)/3)*12/52","v":64.844456077288228},{"$f":"(($I$23-$F$23)/3)*12/52","v":81.983777433057767},{"$f":"(($I$24-$F$24)/3)*12/52","v":94.207224462434624},{"$f":"(($I$25-$F$25)/3)*12/52","v":107.2283491334377},{"$f":"(($I$26-$F$26)/3)*12/52","v":118.41385235061769},{"$f":"(($I$27-$F$27)/3)*12/52","v":128.32987044039692},{"$f":"(($I$28-$F$28)/3)*12/52","v":133.07376794580463},{"$f":"(($I$29-$F$29)/3)*12/52","v":136.84626148381923},{"$f":"(($I$30-$F$30)/3)*12/52","v":140.30025946411538},{"$f":"(($I$31-$F$31)/3)*12/52","v":143.49398315977848},{"$f":"(($I$32-$F$32)/3)*12/52","v":150.59698461274542},{"$f":"(($I$33-$F$33)/3)*12/52","v":156.76019154850695},{"$f":"(($I$34-$F$34)/3)*12/52","v":167.18956957963076},{"$f":"(($I$35-$F$35)/3)*12/52","v":175.91540090231229},{"$f":"(($I$35-$F$35)/3)*12/52","v":175.91540090231229}]
["Single parent with 4 or more children  (per child)","P-SD4+",{"$f":"(($J$22-$F$22)/4)*12/52","v":63.343722959562527},{"$f":"(($J$23-$F$23)/4)*12/52","v":80.076008010477736},{"$f":"(($J$24-$F$24)/4)*12/52","v":92.002414204861154},{"$f":"(($J$25-$F$25)/4)*12/52","v":103.98749700237059},{"$f":"(($J$26-$F$26)/4)*12/52","v":114.26648625305771},{"$f":"(($J$27-$F$27)/4)*12/52","v":123.36724388190865},{"$f":"(($J$28-$F$28)/4)*12/52","v":130.51210753372791},{"$f":"(($J$29-$F$29)/4)*12/52","v":134.20130697439325},{"$f":"(($J$30-$F$30)/4)*12/52","v":137.57904302312716},{"$f":"(($J$31-$F$31)/4)*12/52","v":140.70225146681366},{"$f":"(($J$32-$F$32)/4)*12/52","v":147.64842346771269},{"$f":"(($J$33-$F$33)/4)*12/52","v":153.67555097661347},{"$f":"(($J$34-$F$34)/4)*12/52","v":163.87465541806444},{"$f":"(($J$35-$F$35)/4)*12/52","v":172.4078263063881},{"$f":"(($J$35-$F$35)/4)*12/52","v":172.4078263063881}]
["Couple with 1 child (per child)","P-CD1",{"$f":"(($M$22-$L$22)*12/52)","v":61.753036869888462},{"$f":"(($M$23-$L$23)*12/52)","v":78.038025572734625},{"$f":"(($M$24-$L$24)*12/52)","v":89.624802261978473},{"$f":"(($M$25-$L$25)*12/52)","v":98.94590429481228},{"$f":"(($M$26-$L$26)*12/52)","v":114.72681160060155},{"$f":"(($M$27-$L$27)*12/52)","v":125.59154722408154},{"$f":"(($M$28-$L$28)*12/52)","v":129.5816054211208},{"$f":"(($M$29-$L$29)*12/52)","v":133.18865904845768},{"$f":"(($M$30-$L$30)*12/52)","v":136.49118450492466},{"$f":"(($M$31-$L$31)*12/52)","v":139.54484981278154},{"$f":"(($M$32-$L$32)*12/52)","v":146.33635439661464},{"$f":"(($M$33-$L$33)*12/52)","v":152.22927845589928},{"$f":"(($M$34-$L$34)*12/52)","v":162.20128383614994},{"$f":"(($M$35-$L$35)*12/52)","v":170.54445028742307},{"$f":"(($M$35-$L$35)*12/52)","v":170.54445028742307}]
["Couple with 2 children  (per child)","P-CD2",{"$f":"(($N$22-$L$22)/2*12/52)","v":60.505836535029239},{"$f":"(($N$23-$L$23)/2*12/52)","v":76.454363447898444},{"$f":"(($N$24-$L$24)/2*12/52)","v":87.800584304831546},{"$f":"(($N$25-$L$25)/2*12/52)","v":96.927551804727713},{"$f":"(($N$26-$L$26)/2*12/52)","v":108.62128271205694},{"$f":"(($N$27-$L$27)/2*12/52)","v":121.96962008921194},{"$f":"(($N$28-$L$28)/2*12/52)","v":129.07533942631039},{"$f":"(($N$29-$L$29)/2*12/52)","v":132.61246985984889},{"$f":"(($N$30-$L$30)/2*12/52)","v":135.85097543987885},{"$f":"(($N$31-$L$31)/2*12/52)","v":138.84544505696655},{"$f":"(($N$32-$L$32)/2*12/52)","v":145.50529545978},{"$f":"(($N$33-$L$33)/2*12/52)","v":151.28398443592042},{"$f":"(($N$34-$L$34)/2*12/52)","v":161.06268122228656},{"$f":"(($N$35-$L$35)/2*12/52)","v":169.24411432969151},{"$f":"(($N$35-$L$35)/2*12/52)","v":169.24411432969151}]
["Couple with 3 children  (per child)","P-CD3",{"$f":"(($O$22-$L$22)/3*12/52)","v":59.434196816253078},{"$f":"(($O$23-$L$23)/3*12/52)","v":75.09352128411615},{"$f":"(($O$24-$L$24)/3*12/52)","v":86.232959343582309},{"$f":"(($O$25-$L$25)/3*12/52)","v":95.193039869853081},{"$f":"(($O$26-$L$26)/3*12/52)","v":105.43715049454075},{"$f":"(($O$27-$L$27)/3*12/52)","v":116.49113269257231},{"$f":"(($O$28-$L$28)/3*12/52)","v":126.52325657622539},{"$f":"(($O$29-$L$29)/3*12/52)","v":132.83503342673384},{"$f":"(($O$30-$L$30)/3*12/52)","v":136.01856706336383},{"$f":"(($O$31-$L$31)/3*12/52)","v":138.96220712026235},{"$f":"(($O$32-$L$32)/3*12/52)","v":145.50901003547767},{"$f":"(($O$33-$L$33)/3*12/52)","v":151.18960877972768},{"$f":"(($O$34-$L$34)/3*12/52)","v":160.80231728755615},{"$f":"(($O$35-$L$35)/3*12/52)","v":168.84487483442928},{"$f":"(($O$35-$L$35)/3*12/52)","v":168.84487483442928}]
["Couple with 4 or more children  (per child)","P-CD4+",{"$f":"(($P$22-$L$22)/4*12/52)","v":58.494508661089604},{"$f":"(($P$23-$L$23)/4*12/52)","v":73.900192663645385},{"$f":"(($P$24-$L$24)/4*12/52)","v":84.858267949967882},{"$f":"(($P$25-$L$25)/4*12/52)","v":93.671973309612127},{"$f":"(($P$26-$L$26)/4*12/52)","v":103.13754724769191},{"$f":"(($P$27-$L$27)/4*12/52)","v":112.99695764262346},{"$f":"(($P$28-$L$28)/4*12/52)","v":121.93251200067229},{"$f":"(($P$29-$L$29)/4*12/52)","v":130.14839417810597},{"$f":"(($P$30-$L$30)/4*12/52)","v":137.16799111939386},{"$f":"(($P$31-$L$31)/4*12/52)","v":140.06707590985042},{"$f":"(($P$32-$L$32)/4*12/52)","v":146.51478568100248},{"$f":"(($P$33-$L$33)/4*12/52)","v":152.10940224478617},{"$f":"(($P$34-$L$34)/4*12/52)","v":161.57661171723231},{"$f":"(($P$35-$L$35)/4*12/52)","v":169.49743620997907},{"$f":"(($P$35-$L$35)/4*12/52)","v":169.49743620997907}]
[]
[]
[]
[null,null,null,null,null,"CCCFA Prototype Benchmark Central estimates"]
[null,null,null,null,null,"Household composition: number of adults and number of children"]
[null,null,null,null,null,1,1,1,1,1,1,2,2,2,2,2,2,"Adults"]
["Region","Year",null,"Pre-tax monthly income","Annual pre-tax income",0,1,2,3,4,5,0,1,2,3,4,5,"Children"]
["New Zealand",2023,null,1000,{"$f":"D22*12","v":12000},694.60504327230296,993.40993563646998,1272.3222599497699,1537.58297227705,1792.5629079047201,2039.35884535884,1217.62629333172,1485.22278643457,1742.0102099686401,1990.27085194301,2231.5311101239399,2466.8791214427201]
["New Zealand",2023,null,2000,{"$f":"D23*12","v":24000},882.18899762960905,1260.0950010546901,1612.7140139407099,1947.97810425936,2270.1731364778898,2581.9654576988701,1544.9213991829299,1883.0861766647799,2207.5258823980498,2521.1371758764399,2825.85807201945,3123.0704592585098]
["New Zealand",2023,null,3000,36000,1016.03688942089,1450.56633665759,1855.6514267062,2240.7308074325401,2610.74540230515,2968.7693641094002,1778.74473200183,2167.1188751370701,2539.6831293103701,2899.7732034684,3249.6213764679401,3590.8195867371701]
["New Zealand",2023,null,4000,48000,1082.6713829524599,1602.9563771671701,2051.48194998901,2476.63992168715,2885.1213309935501,3280.32975060644,1967.35164144634,2396.1172267238599,2807.39042375398,3204.86115975443,3590.99917881295,3967.5659508642102]
["New Zealand",2023,null,5000,60000,1138.4217209969299,1683.5743559867001,2214.0883391505599,2677.8018015549601,3119.0408160499301,3545.9115927696698,2094.3111880993101,2591.4607050352502,3035.6956382704702,3464.9941445283398,3882.0286737259698,4288.7054280155699]
["New Zealand",2023,null,6000,72000,1186.79576011012,1753.52581094524,2304.24257048053,2855.0840758352801,3325.1613207298701,3779.90383948709,2179.84943560799,2724.07947357901,3236.9194763811602,3694.2341606114301,4138.4633680801298,4571.6409735596999]
["New Zealand",2023,null,7000,84000,1229.7884603079999,1815.6955612198001,2384.3676522433202,2959.7474436034599,3491.99832422595,3967.5703986357098,2255.8720357053098,2817.3923258635,3374.5249773999999,3900.6743711962399,4369.3689103836296,4799.6991713335301]
["New Zealand",2023,null,8000,96000,1268.65430324556,1871.89765456394,2456.8015498310001,3047.6557025352099,3594.8102908017099,4084.8314583738702,2324.5972476944899,2901.7481035711398,3473.9053198131801,4051.4526822420298,4580.5027467816599,4941.6058647199798]
["New Zealand",2023,null,9000,108000,1304.2388686413799,1923.3548446009499,2523.1201620305201,3128.1422416748801,3688.9422810422502,4192.1926663976001,2387.5202828207298,2978.98208234207,3564.8954032996799,4155.7616546444597,4765.0987955568899,5071.53198053916]
["New Zealand",2023,null,10000,120000,1337.14197696768,1970.9345039032901,2584.4413684855799,3202.5637580448001,3775.9810023924501,4291.4637244631904,2445.7017842090099,3050.39613339773,3649.02897470272,4252.2104767724204,4873.5310999797503,5191.6675790960699]
["New Zealand",2023,null,12500,150000,1410.3201377979999,2076.7540491617301,2720.8228028405401,3368.0809377636901,3969.5594779050198,4512.2475294726501,2575.1003572471,3209.2245596324301,3836.1462512318599,4466.7174877083098,5114.6899757178098,5458.85516713365]
["New Zealand",2023,null,15000,180000,1473.81613330951,2168.5726640943899,2839.1596788346501,3511.6986234401002,4137.5256835708096,4703.81954129732,2687.3782707611199,3347.03847740335,3998.5061358724301,4652.8431848975797,5323.9412430040802,5690.6913010056296]
["New Zealand",2023,null,20000,240000,1581.2640492328701,2323.9481131759899,3039.4093260764898,3754.7284537680698,4421.7580764793202,5027.9976765322599,2877.3749424271,3580.2471723837498,4273.2515130202501,4967.80506716533,5678.03621219246,6083.0043786982096]
["New Zealand",2023,null,25000,300000,1671.16129790128,2453.94435612795,3206.9499635952502,3958.06150963134,4659.5636205453402,5299.2241790254702,3036.3373372967299,3775.3632885422298,4503.1196614873897,5231.3207101443104,5974.2928982697003,6411.2365830934796]
[]
[]
[null,null,null,null,null,"Previous - CCCFA Prototype Benchmark Central estimates"]
[]
[null,2021,null,1000,{"$f":"D40*12","v":12000},616.62363734675796,881.602677734091,1128.9185242455501,1364.1124768838199,1590.17776296797,1808.9763436947701,1080.6571550922599,1317.9130865049001,1545.5739935265201,1765.6655903191599,1979.5428048908,2188.1715928684698]
[null,2021,null,2000,{"$f":"D41*12","v":24000},783.88120248986695,1119.2918901024,1432.2281235753901,1729.7394181998,2015.6351688146101,2292.2853915983301,1372.39237546652,1672.4652843630799,1960.3433310437799,2238.5999066146401,2508.9569169384899,2772.6422318385899]
[null,2021,null,3000,36000,890.01206237001998,1289.2078920833401,1648.8946481061701,1990.78998482666,2319.2881264128,2637.1231909182902,1581.00105378998,1925.8067064540101,2256.5570164340302,2576.21711984686,2886.77151472381,3189.6355275977799]
[null,2021,null,4000,48000,948.67907505661697,1404.0987756570601,1823.65126202742,2201.2757866809602,2564.0633582894802,2915.0423903309302,1747.7043455478699,2130.1812611247901,2495.4353196206598,2848.4130590559698,3191.3110112762702,3525.6958901947501]
[null,2021,null,5000,60000,997.76334982172602,1475.0772694596999,1939.33266138206,2380.8380345478299,2772.83829203098,3152.0512377544801,1834.49847976972,2293.57127710647,2699.2446693536799,3080.6027718124501,3451.0491138614998,3812.27970989402]
[null,2021,null,6000,72000,1040.35330910476,1536.66463477155,2018.70715877626,2506.9633539910401,2956.8673448304598,3360.9319621382601,1909.80892614392,2386.0100064974499,2858.7592562904701,3285.2903901530299,3679.9927337159902,4064.85925194231]
[null,2021,null,7000,84000,1078.20537571866,1591.4007531807399,2089.2516911822299,2592.57861462858,3058.4236476486499,3475.1343853703302,1976.7415102756599,2468.1654488015702,2955.5473626794301,3447.7967869578702,3886.20496117006,4204.00507377336]
[null,2021,null,8000,96000,1112.4240330513301,1640.8827669019299,2153.02467366468,2669.9756903572702,3148.9423959389301,3578.3745499563202,2037.24925438792,2542.4348131904098,3043.0448058226002,3548.1018755168702,4069.24882599379,4328.94399564379]
[null,2021,null,9000,108000,1143.7537549248,1686.18722500947,2211.4135749238098,2740.83846071164,3231.81903194187,3672.8985872733001,2092.6485874417699,2610.4339315485799,3123.1552126005599,3639.9386327717398,4172.4960300566499,4443.3348566094101]
[null,2021,null,10000,120000,1172.72264132736,1728.0777884095201,2265.4026098273598,2806.3614025639999,3308.4505406252601,3760.29981318923,2143.8733315520399,2673.30901046397,3197.22893987414,3724.8550772661802,4267.9630928654897,4549.1058516468502]
[null,2021,null,12500,150000,1237.15089555848,1821.24449944974,2385.4769274287701,2952.0877068814102,3478.8828539340998,3954.6845170115598,2257.7997279829901,2813.1463349945202,3361.9726192241801,3913.7135027598401,4480.2866219054004,4784.34584202324]
[null,2021,null,15000,180000,1293.05468017203,1902.0843702377999,2489.66427301053,3078.53303783611,3626.7653543697902,4123.3502793286498,2356.65258072405,2934.4818540890901,3504.91914597297,4077.5841658291301,4664.5177325801496,4988.46134866599]
[null,2021,null,20000,240000,1387.6550577323101,2038.88158980603,2665.97008660027,3292.50381158136,3877.0121037174899,4408.7664619178504,2523.9313661740898,3139.8058048227699,3746.8132412447999,4354.88608205129,4976.2735957772402,5333.8655843146798]
[null,2021,null,25000,300000,1466.8032998604101,2153.3341928090099,2813.4779040368599,3471.5243508803301,4086.3832586742701,4647.5624340846198,2663.8866407210498,3311.5919032134798,3949.1960743337499,4586.8931815340902,5237.1068945603802,5622.8510913521704]
[]
[]
[]
[]
[null,null,null,null,null,1,1,1,1,1,1,2,2,2,2,2,2,"Adults"]
[null,null,null,"Pre-tax monthly income","Annual pre-tax income",0,1,2,3,4,5,0,1,2,3,4,5,"Children"]
[]
[null,null,null,null,null,"Change ($)"]
[]
[null,null,null,1000,{"$f":"D63*12","v":12000},{"$f":"F22-F40","v":77.981405925545005},{"$f":"G22-G40","v":111.80725790237898},143.4037357042198,173.47049539323007,202.38514493675007,230.38250166406988,136.96913823946011,167.30969992966993,196.43621644211999,224.60526162385008,251.98830523313995,278.70752857425032]
[null,null,null,2000,{"$f":"D64*12","v":24000},{"$f":"F23-F41","v":98.307795139742097},140.80311095229013,180.48589036531985,218.23868605956,254.53796766327969,289.68006610053999,172.52902371640994,210.6208923017,247.18255135426989,282.53726926179979,316.90115508096005,350.42822741991995]
[null,null,null,3000,36000,{"$f":"F24-F42","v":126.02482705087004},161.35844457424992,206.75677860002997,249.94082260588016,291.45727589235003,331.64617319110994,197.74367821185001,241.31216868306001,283.1261128763399,323.55608362153998,362.84986174413007,401.18405913939023]
[null,null,null,4000,48000,{"$f":"F25-F43","v":133.99230789584294},198.85760151011004,227.83068796159,275.36413500618983,321.05797270406993,365.28736027550985,219.64729589847002,265.93596559906973,311.95510413332022,356.44810069846017,399.68816753667988,441.87006066946014]
[null,null,null,5000,60000,{"$f":"F26-F44","v":140.65837117520391},208.49708652700019,274.75567776849994,296.96376700713017,346.20252401895004,393.86035501518973,259.81270832959012,297.88942792878015,336.45096891679032,384.3913727158897,430.97955986447005,476.42571812154983]
[null,null,null,6000,72000,{"$f":"F27-F45","v":146.44245100536},216.86117617368996,285.53541170427002,348.12072184424005,368.29397589941027,418.97187734882982,270.04050946407006,338.06946708156011,378.16022009069002,408.94377045840019,458.47063436413964,506.78172161738985]
[null,null,null,7000,84000,{"$f":"F28-F46","v":151.58308458933993},224.29480803906017,295.11596106109027,367.16882897487994,433.57467657730012,492.43601326537964,279.13052542964988,349.22687706192983,418.97761472056982,452.87758423836976,483.16394921356959,595.69409756017012]
[null,null,null,8000,96000,{"$f":"F29-F47","v":156.23027019422989},231.0148876620101,303.77687616632011,377.68001217793972,445.86789486277985,506.45690841755004,287.34799330656983,359.31329038073,430.86051399057988,503.3508067251596,511.2539207878699,612.66186907618976]
[null,null,null,9000,108000,{"$f":"F30-F48","v":160.48511371657992},237.16761959147993,311.70658710671023,387.30378096324011,457.12324910038024,519.29407912429997,294.87169537895988,368.54815079349009,441.74019069911992,515.82302187271989,592.60276550023991,628.19712392974998]
[null,null,null,10000,120000,{"$f":"F31-F49","v":164.41933564032001},242.85671549377003,319.0387586582201,396.20235548080018,467.53046176718999,531.16391127396037,301.82845265697006,377.08712293375993,451.80003482858001,527.35539950624025,605.56800711426058,642.56172744921969]
[null,null,null,12500,150000,{"$f":"F32-F50","v":173.16924223951992},255.50954971199008,335.34587541177007,415.99323088227993,490.67662397091999,557.56301246109024,317.30062926410983,396.0782246379099,474.17363200767977,553.00398494846968,634.40335381240948,674.50932511040992]
[null,null,null,15000,180000,{"$f":"F33-F51","v":180.76145313747998},266.48829385658996,349.4954058241201,433.16558560399017,510.76032920101943,580.46926196867025,330.72569003706985,412.55662331425992,493.58698989946015,575.25901906844956,659.42351042393057,702.22995233963957]
[null,null,null,20000,240000,{"$f":"F34-F52","v":193.60899150056002},285.0665233699599,373.43923947621988,462.22464218670984,544.74597276183022,619.23121461440951,353.44357625301018,440.44136756097987,526.43827177545018,612.91898511403997,701.76261641521978,749.13879438352978]
[null,null,null,25000,300000,{"$f":"F35-F53","v":204.35799804086992},300.61016331894007,393.47205955839036,486.53715875100988,573.18036187107009,651.66174494085044,372.45069657568001,463.77138532875006,553.9235871536398,644.42752861022018,737.18600370932018,788.38549174130912]
[]
[null,null,null,null,null,"Change (%)"]
[null,null,null,1000,{"$f":"D79*12","v":12000},{"$f":"(F22-F40)/F40","v":0.12646515832751348},{"$f":"(G22-G40)/G40","v":0.1268227294746288},0.12702753354149779,0.12716729619650299,0.1272720255872592,0.12735517657103343,0.12674615403602868,0.1269504807584653,0.12709596387159278,0.12720713528955993,0.12729621436351851,0.12737005154558886]
[null,null,null,2000,{"$f":"D80*12","v":24000},{"$f":"(F23-F41)/F41","v":0.1254115991396195},0.12579659711409913,0.1260175578138753,0.12616853368970951,0.12628176547096706,0.126371728041488,0.12571406457847875,0.12593438815796415,0.1260914593071093,0.12621159700174894,0.12630793017667799,0.12638782724864742]
[null,null,null,3000,36000,{"$f":"(F24-F42)/F42","v":0.14159901014743279},0.12516091901477361,0.12539113935356602,0.12554856338984585,0.12566669598879962,0.1257605918196128,0.12507498191593125,0.12530445961910081,0.12546818485612904,0.12559348399981651,0.12569400102967465,0.12577739859874687]
[null,null,null,4000,48000,{"$f":"(F25-F43)/F43","v":0.14124092268805055},0.14162650445803068,0.12493106149489473,0.12509297411633205,0.12521452391810312,0.12531116579544513,0.12567760471500974,0.12484194206959118,0.12501029446867878,0.12513918919350669,0.12524262477847198,0.12532846689878643]
[null,null,null,5000,60000,{"$f":"(F26-F44)/F44","v":0.14097367998166685},0.14134655237645263,0.14167537279173964,0.12473077239944619,0.12485492753541433,0.1249536651871737,0.14162601451825882,0.12988017024026927,0.12464634004347289,0.1247779740488047,0.12488363556849874,0.12497134375661913]
[null,null,null,6000,72000,{"$f":"(F27-F45)/F45","v":0.14076222925784315},0.14112459626295093,0.14144469169929608,0.13886151199220292,0.12455546121922065,0.1246594343678042,0.14139661081661542,0.14168820170952684,0.13228124028232838,0.1244772065459186,0.12458465750859901,0.12467386696728418]
[null,null,null,7000,84000,{"$f":"(F28-F46)/F46","v":0.1405883220423611},0.14094175058718625,0.1412543841925025,0.14162302616519945,0.14176410024511718,0.14170272532148503,0.14120739812395838,0.1414924908018215,0.14175973628814884,0.1313527485005756,0.12432796366666632,0.14169680747447269]
[null,null,null,8000,96000,{"$f":"(F29-F47)/F47","v":0.14044129356473642},0.14078695463307103,0.14109307704739824,0.1414544759871586,0.14159290288631463,0.14153267114638185,0.14104704796807099,0.14132645152456857,0.14158861978179418,0.14186481233767673,0.12563840223336839,0.14152686421739585]
[null,null,null,9000,108000,{"$f":"(F30-F48)/F48","v":0.14031439287133232},0.14065319442219587,0.14095354692640408,0.14130850340690249,0.1414445687033761,0.14138535730980131,0.14090836710402291,0.14118271538665503,0.14144035778846092,0.14171201053462021,0.14202596269269407,0.14137964934047542]
[null,null,null,10000,120000,{"$f":"(F31-F49)/F49","v":0.14020308796478939},0.14053575430611218,0.140830931011655,0.1411800900335981,0.14131402480595401,0.1412557342930226,0.14078651393012281,0.14105631689331494,0.14130987906245002,0.14157742746149668,0.14188688935163335,0.14125011560603759]
[null,null,null,12500,150000,{"$f":"(F32-F50)/F50","v":0.13997422857730471},0.14029393076502811,0.14057812572231781,0.14091492942861639,0.1410443077771468,0.14098798780602212,0.14053532974227567,0.14079545728241735,0.14104030154686437,0.14129904617660616,0.14159883225118464,0.14098256007871879]
[null,null,null,15000,180000,{"$f":"(F33-F51)/F51","v":0.13979412928881801},0.14010329826918949,0.14037852798582612,0.14070519311641388,0.14083081735233252,0.14077612199931275,0.14033705805522628,0.14058925692090335,0.1408269261978766,0.14107839241902617,0.1413701368992705,0.14077085162290157]
[null,null,null,20000,240000,{"$f":"(F34-F52)/F52","v":0.13952241979858712},0.13981514414335353,0.14007630518932099,0.14038697254072655,0.14050664743592062,0.14045452848619219,0.14003692057156802,0.14027662694439827,0.14050293886560306,0.14074282853004863,0.14102171090647439,0.14044950749912508]
[null,null,null,25000,300000,{"$f":"(F35-F53)/F53","v":0.13932201956480317},0.13960218730692989,0.13985255011024797,0.14015087021573991,0.14026593336647156,0.1402158129521075,0.13981476947339869,0.14004484818274823,0.1402623664987537,0.14049324959311366,0.14076206931636479,0.14021098530491583]

{"sheet":"Assessment Notes - Residential","index":6,"n_rows":74,"n_cols":29,"rows_kept":74,"cut":false,"hidden":true,"merged":[[50,0,50,1],[43,1,44,1],[32,0,44,0],[25,0,25,1],[26,3,26,5],[49,3,49,5],[50,3,50,5],[43,2,44,2],[45,3,45,5],[46,3,46,5],[47,3,47,5],[48,3,48,5],[32,2,34,2],[35,2,42,2],[28,3,31,5],[28,2,31,2],[14,3,14,5],[22,3,22,5],[23,3,23,5],[24,3,24,5],[25,3,25,5],[9,4,9,5],[10,3,10,5],[11,3,11,5],[12,3,12,5],[13,3,13,5],[63,0,63,1],[64,0,64,1],[58,0,58,2],[15,3,15,5],[16,3,16,5],[17,3,17,5],[18,3,18,5],[19,3,19,5],[21,3,21,5],[32,1,34,1],[35,1,42,1],[47,0,47,1],[48,0,48,1],[45,0,45,1],[46,0,46,1],[27,3,27,5],[73,1,73,2],[53,0,53,2],[54,0,54,1],[55,0,55,1],[56,0,56,1],[59,0,59,1],[60,0,60,1],[61,0,61,1],[66,1,66,2],[67,1,67,2],[68,1,68,2],[69,1,69,2],[70,1,70,2],[71,1,71,2],[72,1,72,2],[62,0,62,1],[0,3,0,5],[1,3,1,5],[2,3,2,5],[4,3,4,5],[3,3,3,5],[5,3,5,5],[3,0,3,1],[4,0,4,1],[6,0,6,1],[6,3,6,5],[45,6,48,8],[49,0,49,1],[32,5,33,5],[1,0,1,1],[2,0,2,1],[5,0,5,1],[7,0,7,1],[9,0,9,1],[7,3,7,5],[8,3,8,5],[26,0,26,1],[27,0,27,1],[11,0,11,1],[18,0,18,1],[19,0,19,1],[12,0,12,1],[0,0,0,2],[14,0,14,1],[15,0,15,1],[16,0,16,1],[24,0,24,1],[17,0,17,1],[13,0,13,1],[10,0,10,1],[21,0,21,1],[22,0,22,1],[23,0,23,1],[20,0,20,1]]}
["UNDERWRITER NOTES",null,null,"INSTRUCTIONS",null,null,"CONDITIONS"]
["Loan Amount - Requested: ",null,null,"Loan amount requested by customer at application. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc"]
["Loan Amount - Approved:  ",null,null,"Loan amount approved as a result of this assessment.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc PLUS"]
["LPF / MRF: ",null,null,"LPF or MRF applicable to the approved loan amount.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc (Construction)"]
["Loan Amount - Final:   ",null,{"$f":"C3+C4","v":0},"Loan amount including any capitalised fees. This amount is to be entered into the Servicing Calculator for credit assessment purposes. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Fulldoc PLUS (Construction)"]
["Security Estimate:",null,null,"Security value amount used for LVR calculation. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc",null,null,null,null,null,null,null,null,null,"Have adopted Pepper’s minimum living expenses allowance as considered more reasonable than borrower advised amount","Have adopted Pepper’s minimum living expenses allowance as considered more reasonable than borrower advised amount"]
["LVR - Initial: ",null,{"$f":"C3/C6","v":{"$error":"#DIV/0!"}},"LVR based on loan amount before capitalised fees. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc PLUS"]
["LVR - Final: ",null,{"$f":"C5/C6","v":{"$error":"#DIV/0!"}},"Total LVR based on loan amount plus capitalised fees. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc (Construction)"]
["Global Exposure if other loans held",null,null,"Total Loan Amount and Total LVR of all Pepper exposure held. If this is the only loan \"No other exposure held\"",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime Altdoc PLUS (Construction)"]
["NSR **Min. 1.35x when end LVR >90%**: ",null,{"$f":"D10","v":0},{"$f":"ResiAssessmentNSR","v":0},"NSR based on total loan amount (plus capitalised fees if applicable). Cannot be < 1x or where LVR > 90% cannot be < 1.35x or where income from government support is > 50% of total income cannot be <1.25x. ",null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Fulldoc",null,null,null,null,null,null,null,null,null,null,"PEP checks verified.  Matches addressed and explained.  If EDD was completed - what information was collected and how was it verified."]
["Customers Requirements & Objectives:",null,null,"Comment on what the customers objective with the loan purpose is and whether the proposed loan meets the product requirements captured on the CRO form. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Fulldoc PLUS"]
["Customer Benefit:",null,null,"What advantage is the customer receiving from the loan purpose and does this match with the Customers Requirements and Objectives.",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Altdoc"]
["Product:",null,null,"Product that is recommended for approval. If this is different to what the customer has applied for then comment as to why it still meets the Customers Requirements and Objectives.",null,null,"Can attach here your Rate Card, LPF Calc, Postcode search etc…",null,null,null,null,null,null,null,null,null,null,"Near Prime Altdoc PLUS",null,null,null,null,null,null,null,null,"Rec for Approval. have made reasonable enquiries to verify that the product will not be unsuitable to the customers’ requirements and objectives and the loan will not cause the customer substantial hardship.  This assessment is valid for 90 days.",null,"Rec for Approval. have made reasonable enquiries to verify that the product will not be unsuitable to the customers’ requirements and objectives and the loan will not cause the customer substantial hardship.  This assessment is valid for 90 days."]
["Interest Only? (If O/O then document reason): ",null,null,"Why the applicant is seeking interest only  and whether the reasons are reasonable based on customers requirements and objectives, the purpose of the loan and the customers circumstances.  ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Fulldoc (Construction)"]
["Security Category:",null,null,"What is the security property location Category? If Prime and requires Metro category note here. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Altdoc (Construction)"]
["High Density Area?",null,null,"Is the security property a unit in a high density postcode with more than 35 units?",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Fulldoc",null,null,null,null,null,null,null,null,null,null,"Prime Full Doc"]
["Fraud check:",null,null,"What is the outcome of the Equifax Fraud check in NextGen? If a match, to be referred to Senior or Team Leader to investigate the match. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Fulldoc PLUS",null,null,null,null,null,null,null,null,null,null,"Prime Alt Doc"]
["PEP & Sanctions check: ",null,null,"Is the applicant confirmed as being on the PEP or Sanctions register (not a potential match). If a match refer to dedicated team member for enhanced search. ",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Altdoc",null,null,null,null,null,null,null,null,null,null,"Prime PLUS Full Doc"]
["ID document is clear and valid? ",null,null,"Have the correct, clear  identification documents and Customer Identification form been completed correctly, signed?",null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Altdoc PLUS",null,null,null,null,null,null,null,null,null,null,"Prime PLUS Alt Doc"]
["Company & Trust Loans (>25% Owned): ",null,null,"Non-individual entities: Has the correct information and documentation been collected to verify the customer to ensure we meet our AML obligations including the verification of identity of beneficial owners."]
["Company applications: "]
["Credit file summary:",null,null,"Comment on the credit bureau file. Where there is an adverse listing what is the reason and why is it accepted. If there are numerous inquiries and the customer has stated no liabilities - what investigations were done and what was the outcome.  If there are items that don't match the profile of the customer e.g. customer aged 50 and new credit file, document investigations completed.  Is the information on the credit file consistent with the information provided in the customer's application form e.g. in relation to liabilities.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Full Doc"]
["Applicant 1 Income:",null,null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants business do. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Near Prime Alt Doc"]
["Applicant 2 Income:",null,null,"Summary about the applicant, job, how long employed, income and what documents were used to verify that income and employment.  Is income reasonable for the borrower's employment and age. If self employed what does the applicants business do. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Full Doc"]
["Exit Strategy",null,null,"If the applicants are older than 50 years of age and the loan term exceeds the standard retirement age (67) of the oldest income reliant borrower an exit strategy of how the borower(s) will continue to meet their repayment obligations must be obtained. The borrower(s) exit strategy must be documented and the credit notes included as to why the exit strategy has been deemed reasonable and consistent with Customer's requirements and objectives.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist Alt Doc"]
["Rental Income:",null,null,"Comment on what rental income is received and used in assessment and how was it verified. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist PLUS Full Doc"]
["Conduct assessed (Refinance):",null,null,"Refinance: Comment on conduct of any loans that are being refinanced and where adverse conduct exists why and mitigation. Confirm that 6 months statements held. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Specialist PLUS Alt Doc"]
["Funds to complete (Purchase):",null,null,"Purchase: Comment on where the funds to complete are coming from and have been verified. Have 5% genuine savings been verified on Prime > 90%"]
["HEB Benchmark (using StatsNZ data to benchmark property costs, living expenses excluding insurance and education)",{"$f":"Residential!R40","v":0},null,"Comment on whether DLE or benchmark has been relied upon and assessment to be made as to whether or not the declared living expenses are realistic and if so why. Where a declared living expense appears unrealisitc, is zero, or the declared living expense are less than 80% of benchmark, additional inquiry must be made with the broker / borrower and subsequently assessed. If the ratio is substantially over 100%, check if applicant has not doubled up anywhere eg included finance cost on property categories. If bank statements are provided comment on how the transactions on those statement support the DLE."]
["Declared Living Expense (HEB). For serviceability testing, this amount will be adjusted to the HEB benchmark if lower than same.",{"$f":"SUM(Residential!G50,Residential!G51,Residential!G52,Residential!G53,Residential!G54,Residential!G55,Residential!G56,Residential!G57,Residential!G58,Residential!G62)*12","v":0}]
["Declared Living Exepnse (non-HEB)",{"$f":"SUM(Residential!G59:G61)*12","v":0}]
["Declared Living Expense (HEB) % of Benchmark",{"$f":"B29/B30","v":{"$error":"#DIV/0!"}}]
["Living expense assessment:","Property costs",null,{"$f":"Residential!G50","v":0},{"$f":"[1]Servicing_Calculator!B13","v":"Owner occupied property utilities, rates & costs"},"Include council rates, water, gas & electricity utility bills and body corporate fees where applicable for property owned by the applicant. Assessment should account for these expenses giving account to the type of property (location, house or unit and size). "]
[null,null,null,{"$f":"Residential!G51","v":0},{"$f":"[1]Servicing_Calculator!B14","v":"Investment property utilities, rates & costs"}]
[null,null,null,{"$f":"Residential!G52","v":0},{"$f":"[1]Servicing_Calculator!B15","v":"Rented property costs"},"Include water, gas & electricity bills if the applicant is renting. Assessment should account for these expenses giving account to the type of property (location and size). "]
[null,"Living Expenses",null,{"$f":"Residential!G53","v":0},{"$f":"[1]Servicing_Calculator!B16","v":"Telephone, Internet, pay TV & media streaming"},"Unless an applicant has a mobile phone supplied by their employer, it is expected that each applicant would have a mobile phone expense. If they have a home phone number, they may have a ‘bundle’ with a telco which includes internet."]
[null,null,null,{"$f":"Residential!G54","v":0},{"$f":"[1]Servicing_Calculator!B17","v":"Groceries"},"It is expected that all applicants will have a grocery expense that is reasonable for their family unit size. "]
[null,null,null,{"$f":"Residential!G55","v":0},{"$f":"[1]Servicing_Calculator!B18","v":"Recreation & Entertainment"},"It is expected that all applicants will have some form of recreation & entertainment cost. This includes alcohol, tobacco, gambling, restaurants and membership fees."]
[null,null,null,{"$f":"Residential!G56","v":0},{"$f":"[1]Servicing_Calculator!B19","v":"Clothing & Personal Care"},"It is expected that all applicants will have clothing and personal care expenses that is reasonable for their family unit size. "]
[null,null,null,{"$f":"Residential!G57","v":0},{"$f":"[1]Servicing_Calculator!B20","v":"Medical & Health"},"As an applicant’s age increase it is expected that medical and health costs will increase. In some case this cost may be $0 however given the customers circumstance it should be understood why through additional inquiry."]
[null,null,null,{"$f":"Residential!G58","v":0},{"$f":"[1]Servicing_Calculator!B21","v":"Transport"},"It is expected that all applicants will have a transport cost that is reasonable for their assets and employment position. What are the running costs of each car owned including petrol and servicing or what are the costs of public transport where they commute for work. One exception may be where an applicant has one car only which is provided by their employer or running costs are already include in novated lease payments."]
[null,null,null,{"$f":"Residential!G59","v":0},{"$f":"[1]Servicing_Calculator!B24","v":"Insurance"},"Do the below insurances apply to the applicant(s) and have they been accounted for:\n- House owners with home insurance\n- Car owners (accounted for each car)\n- Private Health - particularly where income is > $90,000 and applicant is single or > $180,000 for families\n- Income and life insurance \n- Pet insurance "]
[null,null,null,{"$f":"Residential!G60","v":0},{"$f":"[1]Servicing_Calculator!B25","v":"Other"},"This is to capture unique items not covered for in the above categories that may be applicable to the applicant(s)."]
[null,"Children",null,{"$f":"Residential!G61","v":0},{"$f":"[1]Servicing_Calculator!B22","v":"Education"},"Where the applicant(s) has school aged children is the declared amount reasonable to cover schools fees, uniform costs and books (if high school). Does the affluency of the applicant indicate that their children may attend a private school, if so, has this been declared by the customer. \n\n"]
[null,null,null,{"$f":"Residential!G62","v":0},{"$f":"[1]Servicing_Calculator!B23","v":"Childcare "},"Where the applicant(s) has pre-school aged children and all applicants work, has a child care cost been included that is reasonable for the location accounting for any rebate that may be due. Where this is applicable and declared expense is $0 additional inquiry needs to be made."]
["Valuation: ",null,null,"COS/Estimate $Amount Date \nVAL $Amount Date \nCAT \nResidential Zoning?\nEssential Repairs? \nRisk ratings XXXX \nComp Sales XXXX \nSelling period within six months? \nAddressed to Pepper in Lender Specific Info? \nComments\n\nAcceptable Security: Yes/No"]
["Other:"]
["Exceptions:",null,null,"Identify any exceptions and mitigation for the exception approval. "]
["Recommendation (if assessor is not the DCA approver):",null,null,"If approval recommendation:\nRecommend for Approval. I have made reasonable enquiries and verifications to recommend for approval that the product will not be unsuitable to the customers’ requirements and objectives and the loan will not cause the customer substantial hardship.  "]
["Approval note:\n",null,null,"If assessor is the approver:\nApproval granted under my DCA. I have made the assessment and confirm that reasonable enquiries that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. \nIf approver was not the assessor:\nApproval granted under my DCA. I have reviewed the recommendation for approval and confirm that reasonable enquiries and verifications completed to make an assessment  that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. \nFinal assessment made at the time of final approval:\nApproval granted under my DCA. I have confirmed that reasonable enquiries and verifications completed to make an assessment the customers financial situation and that the loan meets the customer's requirements and objectives, is not unsuitable and will not cause the customer substantial hardship. This approval is valid for 90 days. "]
["ABN search(s)",null,null,"Space for ABN search if not copied directly into NextGen."]
[]
[]
["COMPLIANCE: "]
["Privacy Dec held: "]
["CRO & Features required: "]
["Customer Identification Form: "]
[]
["SE CHECK COMPLETE:"]
["CUSTOMER ID'D:"]
["Confirm requirements and objectives and benefit:\nIn reviewing the application, your requirements are (a) interest only payments, (b) lowest interest rate and objectives are to purchase the property at ......(address); or (b) refinance the debt with (lender); and/or (c) consolidate debt (i), (ii), (iii) etc . Is this correct? Are there any other requirements and objectives?"]
["Business operated and how long:"]
["Income confirmed:\nDo you expect an increase or decrease in your income over the next 3 years.  If a decrease, describe events that would cause this and your strategy to maintain your repayments / details of your exit strategy."]
["Confirm loan amount, product, interest rate & repayment with the borrower:\nIf there is an indication on the application which suggests financials are avilable for the borrower, we need to question if they are availble, therefore advising they are entitled to a different product (Full Doc)."]
["Any other info:"]
[]
[]
[null,"ACCOUNTANT CHECK COMPLETE:"]
[]
[null,"Called XXXX (verified on TPB - registration number XXXX) on phone number XXXX (internet site)"]
[null,"Confirmed prepared accounts since year XXXX"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"20XX NPBT $___ Deductions $___"]
[null,"Other:"]

{"sheet":"Version Control","index":7,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":true,"merged":[]}
["Version","Created date","Date Effective","Created By","Approved By","Change"]
[0.1,"2019-02-22",null,"Neil Culkin",null,"First draft\nBaselined from Australian calculator v5.0\n- Company tax changed from 30% to 28%\n- NZ Personal tax and ACC rates included\n- NZ HEM included\n- Negative Gearing calculations removed\n- Floor rate reduced to 0% (ie no floor rate)\n- Commercial related worksheets deleted\n"]
[0.2,"2019-04-16",null,"Paul Dean",null,"HEM updated to Basic Central"]
[0.3,"2019-04-23",null,"Neil Culkin",null,"Second draft\nRe-baselined from Australian caculator v5.1\n- Company tax changed from 30% to 28%\n- NZ Personal tax and ACC rates included\n- NZ HEM included (Basic Central) \n- Negative Gearing calculations removed\n- Floor rate reduced to 0% (ie no floor rate)\n- Commercial related worksheets deleted\n"]
[0.3,"2019-05-01",null,"Devika",null,"Remove the attestation to asking for \" Bank statements\""]
[1,"2019-05-15","2019-05-15","Neil Culkin","Neil Culkin","First issuance"]
[1.1000000000000001,"2019-06-01","2019-06-24","Neil Culkin","MPL Credit Forum","Include negative gearing by: \n- interest deduction on investment property loans @ 3.80% which is representitive of lowest market rate (see table opposite effective 17 June 2019)\n- investment property costs added also added as a gross income deduction\n- formula is the same as AU v5.1\n- https://www.classic.ird.govt.nz/property/property-rental/claim-expenses/claiming-expenses.html "]
[1.2,"2020-06-17","2020-09-23","Neil Culkin","Neil Culkin","1. Rental property expense tax deductions capped at the lower of gross rental income or sum of rental property expenses (investment property living expenses + interest on investment property loans). Formula amendment to cell E33. \n2. Living Expense Benchmark updated to latest version of HES (2019 released June 2020)"]
[1.3,"2021-04-13","2021-06-07","Neil Culkin","Neil Culkin","Investment loan interest tax deductions removed - 'Working for Negative Gearing' amended from 3.8% to 0%"]
[1.4,"2021-08-04","2021-12-01","Neil Culkin","Neil Culkin","1. DSR calculations (cell E76 & M76) updated to annualise the rental expense (cell M50) which is deducted as part of the numerator formula. Note this is not a Critical Data Element (CDE)\n2. Adjusted Credit Card repayment from 3% of limit to 3.8%\n3. Updating tax brackets to FYE2022 rates\n4. Updating of the living expense benchmark to the 2021 HEB CCCFA benchmark\n5. Update of living expenses compared to benchmark in cell R42 to exclude categories that are not included in the new benchmark (Insurance, Education, Other). New formula =(MAX(R40,SUM(G50:G58,G62)*12))+(SUM(G59:G61)*12)"]
["1.4.1","2021-01-07",null,"Neil Culkin","Neil Culkin","1. Loan Assessment notes: Addition of HEB description and explicit listing of HEB compared living expenses. "]
["1.4.2","2022-03-04","2022-03-04","Neil Culkin","Neil Culkin","1. Loan Assessment notes: Updating of the approval wording"]
[1.5,"2022-05-24","2022-07-01","Neil Culkin","Neil Culkin","1. Interest rate buffer increased from 2% to 2.5%"]
[1.6,"2023-08-09","2023-08-13","Neil Culkin","Neil Culkin","1. Updated of HEB to 2023\n2. Interest rate buffer decreased from 2.5% to 2%"]
["1.6a","2023-10-05","2023-10-05","Neil Culkin","Neil Culkin","1. Correction: Assessment Notes, HEB Benchmark (B28) updated to pick up benchmark (R40). Previously picking up total DLE (R41)"]
[1.7,"2024-09-14","2024-11-28","Neil Culkin","Neil Culkin","1. Non-CCCFA serviceability calculator added\n2. Introduced 1% interest rate buffer option (subject to eligiblity)\n3. Introduced 0% interest rate buffer option (subject to eligiblity)"]
["1.7a","2024-12-18","2024-12-18","Neil Culkin","Neil Culkin","1. Correction: NonCCCFA sheet update for cells G73 and O73 to be annual figures"]

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[null,"Self-Employed Income Calculator"]
[]
[null,null,"Business 1",null,null,null,null,null,null,null,null,null,null,"Business 2"]
[]
[null,null,null,"Most\nRecent Year",null,"Previous Year",null,null,null,null,null,null,null,null,"Most\nRecent Year",null,"Previous Year"]
[null,null,"Financial year end date (DD/MM/YYYY)",null,null,null,null,null,null,null,null,null,null,"Financial year end date (DD/MM/YYYY)",null,42551]
[]
[null,null,"Gross Business Income",null,null,null,null,null,null,null,null,null,null,"Gross Business Income"]
[null,null," less expenses ",null,null,null,null,null,null,null,null,null,null," less expenses "]
[null,null," plus Kiwisaver over 3%",null,null,null,null,null,null,null,null,null,null," plus Kiwisaver over 3%"]
[]
[null,null,"plus depreciation",null,null,null,null,null,null,null,null,null,null,"plus depreciation"]
[null,null," plus interest / leasing charges",null,null,null,null,null,null,null,null,null,null," plus interest / leasing charges"]
[]
[null,null," less Ongoing Business Loan REPAYMENTS",null,null,null,null,null,null,null,null,null,null," less Ongoing Business Loan REPAYMENTS"]
[null,null,null,null,null,null,null,"Total Business Income",null,null,null,null,null,null,null,null,null,null,"Total Business Income"]
[null,null,"Director Wages:",null,null,null,null,"Most Recent Year","Previous Year",null,null,null,null,"Director Wages:",null,null,null,null,"Most Recent Year","Previous Year"]
[null,null,"Applicant 1",null,null,null,null,{"$f":"(D$8-D$9+D$10-D$15)*D26+D18","v":0},{"$f":"(F$8-F$9+F$10-D$15)*F26+F18","v":0},null,null,null,null,"Applicant 1",null,null,null,null,{"$f":"(O$8-O$9+O$10-O$15)*O26+O18","v":0},{"$f":"(Q$8-Q$9+Q$10-O$15)*Q26+Q18","v":0}]
[null,null,"Applicant 2",null,null,null,null,0,0,null,null,null,null,"Applicant 2",null,null,null,null,0,0]
[null,null,"Applicant 3",null,null,null,null,0,0,null,null,null,null,"Applicant 3",null,null,null,null,0,0]
[null,null,"Applicant 4",null,null,null,null,0,0,null,null,null,null,"Applicant 4",null,null,null,null,0,0]
[null,null,"Applicant 5",null,null,null,null,0,0,null,null,null,null,"Applicant 5",null,null,null,null,0,0]
[null,null,"Applicant 6",null,null,null,null,0,0,null,null,null,null,"Applicant 6",null,null,null,null,0,0]
[null,null,null,null,null,null,null,"Untaxed Addbacks",null,null,null,null,null,null,null,null,null,null,"Untaxed Addbacks"]
[null,null,"Applicant's Entitlement:",null,null,null,null,"Most Recent Year","Previous Year",null,null,null,null,"Applicant's Entitlement:",null,null,null,null,"Most Recent Year","Previous Year"]
[null,null,"Applicant 1",null,null,null,null,{"$f":"(D$13+D$12)*$D26","v":0},{"$f":"(F$13+F$12)*$F26","v":0},null,null,null,null,"Applicant 1",null,null,null,null,{"$f":"(O$13+O$12)*$O26","v":0},{"$f":"(Q$13+Q$12)*$Q26","v":0}]
[null,null,"Applicant 2",null,null,null,null,0,0,null,null,null,null,"Applicant 2",null,null,null,null,0,0]
[null,null,"Applicant 3",null,null,null,null,0,0,null,null,null,null,"Applicant 3",null,null,null,null,0,0]
[null,null,"Applicant 4",null,null,null,null,0,0,null,null,null,null,"Applicant 4",null,null,null,null,0,0]
[null,null,"Applicant 5",null,null,null,null,0,0,null,null,null,null,"Applicant 5",null,null,null,null,0,0]
[null,null,"Applicant 6",null,null,null,null,0,0,null,null,null,null,"Applicant 6",null,null,null,null,0,0]
[null,null,null,{"$f":"IF(SUM(D26:D31)>100%,\"Check: >100%\",\"\")","v":""},null,{"$f":"IF(SUM(F26:F31)>100%,\"Check\",\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(SUM(O26:O31)>100%,\"Check: >100%\",\"\")","v":""},null,{"$f":"IF(SUM(Q26:Q31)>100%,\"Check\",\"\")","v":""}]
[null,null,"Calculations: Business 1",null,null,null,null,null,null,null,null,null,null,"Calculations: Business 2"]
[]
[null,null,null,"Self-Employed Income",null,null,null,null,null,null,null,null,null,null,"Self-Employed Income"]
[null,null,"Applicant 1",{"$f":"IF(H18>I18,AVERAGE(H18,I18),H18)","v":0},null,null,null,null,null,null,null,null,null,"Applicant 1",{"$f":"IF(S18>T18,AVERAGE(S18,T18),S18)","v":0}]
[null,null,"Applicant 2",0,null,null,null,null,null,null,null,null,null,"Applicant 2",0]
[null,null,"Applicant 3",0,null,null,null,null,null,null,null,null,null,"Applicant 3",0]
[null,null,"Applicant 4",0,null,null,null,null,null,null,null,null,null,"Applicant 4",0]
[null,null,"Applicant 5",0,null,null,null,null,null,null,null,null,null,"Applicant 5",0]
[null,null,"Applicant 6",0,null,null,null,null,null,null,null,null,null,"Applicant 6",0]
[]
[null,null,null,"Addbacks",null,null,null,null,null,null,null,null,null,null,"Addbacks"]
[null,null,"Applicant 1",{"$f":"IF(H26>I26,AVERAGE(H26,I26),H26)","v":0},null,null,null,null,null,null,null,null,null,"Applicant 1",{"$f":"IF(S26>T26,AVERAGE(S26,T26),S26)","v":0}]
[null,null,"Applicant 2",0,null,null,null,null,null,null,null,null,null,"Applicant 2",0]
[null,null,"Applicant 3",0,null,null,null,null,null,null,null,null,null,"Applicant 3",0]
[null,null,"Applicant 4",0,null,null,null,null,null,null,null,null,null,"Applicant 4",0]
[null,null,"Applicant 5",0,null,null,null,null,null,null,null,null,null,"Applicant 5",0]
[null,null,"Applicant 6",0,null,null,null,null,null,null,null,null,null,"Applicant 6",0]
[]
[]
[]
[]
[null,null,"Outputs"]
[]
[null,null,null,"Self-Employed Income"]
[null,null,"Applicant 1",{"$f":"D36+O36","v":0}]
[null,null,"Applicant 2",0]
[null,null,"Applicant 3",0]
[null,null,"Applicant 4",0]
[null,null,"Applicant 5",0]
[null,null,"Applicant 6",0]
[]
[null,null,null,"Addbacks"]
[null,null,"Applicant 1",{"$f":"D44+O44","v":0}]
[null,null,"Applicant 2",0]
[null,null,"Applicant 3",0]
[null,null,"Applicant 4",0]
[null,null,"Applicant 5",0]
[null,null,"Applicant 6",0]

{"sheet":"Validation","index":9,"n_rows":42,"n_cols":18,"rows_kept":42,"cut":false,"hidden":true,"merged":[]}
["Residential","Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Applicant 6",null,"CRE","Applicant 1","Applicant 2","Applicant 3","Applicant 4",null,null,"Valid Status Resi",null,"Valid Status CRE"]
["Applicant 1",{"$f":"IF(AND(B$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(C$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(D$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(E$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(F$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A2)","v":false},{"$f":"IF(AND(G$1<>$A2,HLOOKUP($A2,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A2)","v":false},null,"Applicant 1",{"$f":"IF(AND(J$1<>$I2,HLOOKUP($I2,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I2)","v":{"$error":"#REF!"}},{"$f":"IF(AND(K$1<>$I2,HLOOKUP($I2,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I2)","v":{"$error":"#REF!"}},{"$f":"IF(AND(L$1<>$I2,HLOOKUP($I2,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I2)","v":{"$error":"#REF!"}},{"$f":"IF(AND(M$1<>$I2,HLOOKUP($I2,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I2)","v":{"$error":"#REF!"}},null,null,"Company",null,"Individual (Single)"]
["Applicant 2",{"$f":"IF(AND(B$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(C$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(D$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(E$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(F$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A3)","v":false},{"$f":"IF(AND(G$1<>$A3,HLOOKUP($A3,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A3)","v":false},null,"Applicant 2",{"$f":"IF(AND(J$1<>$I3,HLOOKUP($I3,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I3)","v":{"$error":"#REF!"}},{"$f":"IF(AND(K$1<>$I3,HLOOKUP($I3,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I3)","v":{"$error":"#REF!"}},{"$f":"IF(AND(L$1<>$I3,HLOOKUP($I3,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I3)","v":{"$error":"#REF!"}},{"$f":"IF(AND(M$1<>$I3,HLOOKUP($I3,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I3)","v":{"$error":"#REF!"}},null,null,"Individual (Single)",null,"Individual (Couple)"]
["Applicant 3",{"$f":"IF(AND(B$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(C$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(D$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(E$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(F$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A4)","v":false},{"$f":"IF(AND(G$1<>$A4,HLOOKUP($A4,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A4)","v":false},null,"Applicant 3",{"$f":"IF(AND(J$1<>$I4,HLOOKUP($I4,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I4)","v":{"$error":"#REF!"}},{"$f":"IF(AND(K$1<>$I4,HLOOKUP($I4,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I4)","v":{"$error":"#REF!"}},{"$f":"IF(AND(L$1<>$I4,HLOOKUP($I4,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I4)","v":{"$error":"#REF!"}},{"$f":"IF(AND(M$1<>$I4,HLOOKUP($I4,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I4)","v":{"$error":"#REF!"}},null,null,"Individual (Couple)"]
["Applicant 4",{"$f":"IF(AND(B$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(C$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(D$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(E$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(F$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A5)","v":false},{"$f":"IF(AND(G$1<>$A5,HLOOKUP($A5,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A5)","v":false},null,"Applicant 4",{"$f":"IF(AND(J$1<>$I5,HLOOKUP($I5,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I5)","v":{"$error":"#REF!"}},{"$f":"IF(AND(K$1<>$I5,HLOOKUP($I5,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I5)","v":{"$error":"#REF!"}},{"$f":"IF(AND(L$1<>$I5,HLOOKUP($I5,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I5)","v":{"$error":"#REF!"}},{"$f":"IF(AND(M$1<>$I5,HLOOKUP($I5,#REF!,2,FALSE)=\"Individual (Couple)\",#REF!=\"Individual (Couple)\"),$I5)","v":{"$error":"#REF!"}}]
["Applicant 5",{"$f":"IF(AND(B$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(C$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(D$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(E$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(F$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A6)","v":false},{"$f":"IF(AND(G$1<>$A6,HLOOKUP($A6,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A6)","v":false}]
["Applicant 6",{"$f":"IF(AND(B$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!E$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(C$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!G$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(D$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!I$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(E$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!K$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(F$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!M$15=\"Individual (Couple)\"),$A7)","v":false},{"$f":"IF(AND(G$1<>$A7,HLOOKUP($A7,Residential!$E$14:$O$15,2,FALSE)=\"Individual (Couple)\",Residential!O$15=\"Individual (Couple)\"),$A7)","v":false}]
[]
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[]
[]
[]
["Dependents Lookup"]
["Dependents","DependedntsCode"]
[0,1]
[1,1]
[2,2]
[3,3]
[4,"4+"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Don’t remove","Don’t remove"]
[]
["Servicability Calculator",null,null,null,null,null,null,null,"CRE"]
[null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4","Applicant 5","Applicant 6",null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
["Status"]
["Individual (Couple) With"]

{"sheet":"Data","index":10,"n_rows":2,"n_cols":112,"rows_kept":2,"cut":false,"hidden":true,"merged":[]}
["Loan Amount","Interest Rate","Loan Term","IO Term","Status 1","Status 2","Status 3","Status 4","Status 5","Status 6","Couple With 1","Couple With 2","Couple With 3","Couple With 4","Couple With 5","Couple With 6","Dependants 1","Dependants 2","Dependants 3","Dependants 4","Dependants 5","Dependants 6","Gross Annual Income 1","Gross Annual Income 2","Gross Annual Income 3","Gross Annual Income 4","Gross Annual Income 5","Gross Annual Income 6","Untaxed Income 1","Untaxed Income 2","Untaxed Income 3","Untaxed Income 4","Untaxed Income 5","Untaxed Income 6","SEIC 1","SEIC 2","SEIC 3","SEIC 4","SEIC 5","SEIC 6","Add Backs 1","Add Backs 2","Add Backs 3","Add Backs 4","Add Backs 5","Add Backs 6","NPBT 1","NPBT 2","NPBT 3","NPBT 4","NPBT 5","NPBT 6","Gross Rental Income 1","Gross Rental Income 2","Gross Rental Income 3","Gross Rental Income 4","Gross Rental Income 5","Gross Rental Income 6","Investment Property Loan Balance 1","Investment Property Loan Balance 2","Investment Property Loan Balance 3","Investment Property Loan Balance 4","Investment Property Loan Balance 5","Investment Property Loan Balance 6","Owner occupied property utilities, rates & costs","Investment property utilities, rates & costs","Rented property costs","Telephone, Internet, Pay TV & Media Streaming","Groceries","Recreation & Entertainment","Clothing & Personal Care","Medical & Health","Transport","Insurance","Other Living Expenses","Education","Childcare","Rent/Board","Total Credit Card Limit","Other Mortgage Repayments","Other Liabilities","Actual Rate Monthly Total Income","Actual Rate Monthly - Net Income","Actual Rate Monthly - Living Costs","Actual Rate Monthly - Net Available Income","Actual Rate Monthly - Proposed Repayments","Actual Rate Monthly - Other Commitments","Actual Rate Annually Total Income","Actual Rate Annually - Net Income","Actual Rate Annually - Living Costs","Actual Rate Annually - Net Available Income","Actual Rate Annually - Proposed Repayments","Actual Rate Annually - Other Commitments","Assessment Rate Monthly Total Income","Assessment Rate Monthly - Net Income","Assessment Rate Monthly - Living Costs","Assessment Rate Monthly - Net Available Income","Assessment Rate Monthly - Proposed Repayments","Assessment Rate Monthly - Other Commitments","Assessment Rate Annually Total Income","Assessment Rate Annually - Net Income","Assessment Rate Annually - Living Costs","Assessment Rate Annually - Net Available Income","Assessment Rate Annually - Proposed Repayments","Assessment Rate Annually - Other Commitments","Actual NSR","Actual DSR","Actual Results","Assessment NSR","Assessment DSR","Assessment Results","Allowable Income"]
[{"$f":"Residential!E10","v":0},{"$f":"Residential!I10","v":0},{"$f":"Residential!I11","v":0},{"$f":"Residential!I12","v":0},{"$f":"IF(Residential!E15=\"\",\"\",Residential!E15)","v":""},{"$f":"IF(Residential!G15=\"\",\"\",Residential!G15)","v":""},{"$f":"IF(Residential!I15=\"\",\"\",Residential!I15)","v":""},{"$f":"IF(Residential!K15=\"\",\"\",Residential!K15)","v":""},{"$f":"IF(Residential!M15=\"\",\"\",Residential!M15)","v":""},{"$f":"IF(Residential!O15=\"\",\"\",Residential!O15)","v":""},{"$f":"IF(Residential!E16=\"\",\"\",Residential!E16)","v":""},{"$f":"IF(Residential!G16=\"\",\"\",Residential!G16)","v":""},{"$f":"IF(Residential!I16=\"\",\"\",Residential!I16)","v":""},{"$f":"IF(Residential!K16=\"\",\"\",Residential!K16)","v":""},{"$f":"IF(Residential!M16=\"\",\"\",Residential!M16)","v":""},{"$f":"IF(Residential!O16=\"\",\"\",Residential!O16)","v":""},{"$f":"IF(Residential!E17=\"\",\"\",Residential!E17)","v":""},{"$f":"IF(Residential!G17=\"\",\"\",Residential!G17)","v":""},{"$f":"IF(Residential!I17=\"\",\"\",Residential!I17)","v":""},{"$f":"IF(Residential!K17=\"\",\"\",Residential!K17)","v":""},{"$f":"IF(Residential!M17=\"\",\"\",Residential!M17)","v":""},{"$f":"IF(Residential!O17=\"\",\"\",Residential!O17)","v":""},{"$f":"Residential!E19","v":0},{"$f":"Residential!G19","v":0},{"$f":"Residential!I19","v":0},{"$f":"Residential!K19","v":0},{"$f":"Residential!M19","v":0},{"$f":"Residential!O19","v":0},{"$f":"Residential!E20","v":0},{"$f":"Residential!G20","v":0},{"$f":"Residential!I20","v":0},{"$f":"Residential!K20","v":0},{"$f":"Residential!M20","v":0},{"$f":"Residential!O20","v":0},{"$f":"Residential!E21","v":0},{"$f":"Residential!G21","v":0},{"$f":"Residential!I21","v":0},{"$f":"Residential!K21","v":0},{"$f":"Residential!M21","v":0},{"$f":"Residential!O21","v":0},{"$f":"Residential!E22","v":0},{"$f":"Residential!G22","v":0},{"$f":"Residential!I22","v":0},{"$f":"Residential!K22","v":0},{"$f":"Residential!M22","v":0},{"$f":"Residential!O22","v":0},{"$f":"Residential!E23","v":0},{"$f":"Residential!G23","v":0},{"$f":"Residential!I23","v":0},{"$f":"Residential!K23","v":0},{"$f":"Residential!M23","v":0},{"$f":"Residential!O23","v":0},{"$f":"Residential!E25","v":0},{"$f":"Residential!G25","v":0},{"$f":"Residential!I25","v":0},{"$f":"Residential!K25","v":0},{"$f":"Residential!M25","v":0},{"$f":"Residential!O25","v":0},{"$f":"Residential!E26","v":0},{"$f":"Residential!G26","v":0},{"$f":"Residential!I26","v":0},{"$f":"Residential!K26","v":0},{"$f":"Residential!M26","v":0},{"$f":"Residential!O26","v":0},{"$f":"Residential!G50","v":0},{"$f":"Residential!G51","v":0},{"$f":"Residential!G52","v":0},{"$f":"Residential!G53","v":0},{"$f":"Residential!G54","v":0},{"$f":"Residential!G55","v":0},{"$f":"Residential!G56","v":0},{"$f":"Residential!G57","v":0},{"$f":"Residential!G58","v":0},{"$f":"Residential!G59","v":0},{"$f":"Residential!G60","v":0},{"$f":"Residential!G61","v":0},{"$f":"Residential!G62","v":0},{"$f":"Residential!M50","v":0},{"$f":"Residential!M51","v":0},{"$f":"Residential!M52","v":0},{"$f":"Residential!M53","v":0},{"$f":"ROUND(Residential!E68,2)","v":0},{"$f":"ROUND(Residential!E69,2)","v":0},{"$f":"ROUND(Residential!E70,2)","v":0},{"$f":"ROUND(Residential!E71,2)","v":0},{"$f":"ROUND(Residential!E72,2)","v":0},{"$f":"ROUND(Residential!E73,2)","v":0},{"$f":"ROUND(Residential!G68,2)","v":0},{"$f":"ROUND(Residential!G69,2)","v":0},{"$f":"ROUND(Residential!G70,2)","v":0},{"$f":"ROUND(Residential!G71,2)","v":0},{"$f":"ROUND(Residential!G72,2)","v":0},{"$f":"ROUND(Residential!G73,2)","v":0},{"$f":"ROUND(Residential!M68,2)","v":0},{"$f":"ROUND(Residential!M69,2)","v":0},{"$f":"ROUND(Residential!M70,2)","v":0},{"$f":"ROUND(Residential!M71,2)","v":0},{"$f":"ROUND(Residential!M72,2)","v":0},{"$f":"ROUND(Residential!M73,2)","v":0},{"$f":"ROUND(Residential!O68,2)","v":0},{"$f":"ROUND(Residential!O69,2)","v":0},{"$f":"ROUND(Residential!O70,2)","v":0},{"$f":"ROUND(Residential!O71,2)","v":0},{"$f":"ROUND(Residential!O72,2)","v":0},{"$f":"ROUND(Residential!O73,2)","v":0},{"$f":"Residential!E75","v":0},{"$f":"Residential!E76","v":"-"},{"$f":"Residential!G75","v":"INCOMPLETE"},{"$f":"Residential!M75","v":0},{"$f":"Residential!M76","v":"-"},{"$f":"Residential!O75","v":"INCOMPLETE"},{"$f":"ROUND(Residential!M82,2)","v":{"$error":"#VALUE!"}}]

{"sheet":"User Guide - Residential","index":11,"n_rows":39,"n_cols":2,"rows_kept":39,"cut":false,"hidden":true,"merged":[[20,1,21,1]]}
["User Guide - Residential Serviceability Calculator"]
[]
["Field Name","Instruction"]
["Clear Form (BUTTON)","Allows the user to clear all input fields in the calculator"]
["Applicant Name","Applicants name"]
["New Loan Amount","Mandatory field - Total loan amount including any capitalised fees"]
["Interest Rate","Mandatory field - Actual interest rate of the proposed loan "]
["Loan Term","Mandatory field - The total loan term of the proposed loan (cannot exceed 30 years on Prime or 40 years on Near Prime or Specialist products) "]
["I/O Term","The interest only term of the proposed loan. Leave blank if not applicable (will not allow IO term to exceed 5 years)"]
["Status","Mandatory field - For each applicant of the loan, what is their marital status. Drop down selection of Single, Couple, Company. Note, if Company status all income will be calculated based on Company tax rates. "]
["Couple with","Mandatory field - Links applicants who are a couple for household income band selection for living expense benchmark. \nThis field must be correctly completed for both individuals of a couple, where one member of a couple is not correctly linked the living expense will be calculated as an additional couple living expense.\nDrop down selection N/A, Non-Loan Party or Applicant “X” when another Applicant is applied with a Couple status"]
["Dependents","Number of child dependents, aged < 18, the Applicant has. Each dependent child must only be entered once per couple. If a dependent is entered for both individuals of a couple, that dependent will be counted twice."]
["Gross Annual Income","The applicants income from acceptable taxable income sources"]
["Untaxed Allowable Income","Income from acceptable untaxed income sources such as Centrelink allowances. Tax is not calculated on this income"]
["Self Employed Income","Income from self-employed activities, this income is taxed at personal tax rates and should not be duplicated if this income has already been entered in Gross Annual Income. \nOptional Macro: Where the SEIC has been used and “Apply Values to Servicing Calculator” macro executed, this field will populate with the results from the SEIC"]
["Addbacks","Allowable addbacks to be entered such as depreciation or non-recurring expenses.\nOptional Macro: Where the SEIC has been used and “Apply Values to Servicing Calculator” macro executed, this field will populate with the results from the SEIC"]
["Business NPBT","Self employed income that is to be taxed at company tax rates."]
["Self-Employed Worksheet (BUTTON)","Takes user to the SEIC tab"]
["Gross Rental Income","Rental income entered at 100%. For the purposes of allowable income for serviceability, 80% of this income is used for servicing."]
["Investment Property Loan Balance","This is the total balance of investment loans held by the applicant. For tax purposes, negative gearing will be applied to the calculated taxable income. For company applicants, if this interest has been calculated in the SEIC then this field should not be populated."]
["Owner occupied property costs including utilities, rates & expenses","Mandatory fields - Include council rates, water, gas & electricity utility bills and body corporate fees where applicable for property owned by the applicant. Assessment should account for these expenses giving account to the type of property (location, house or unit and size). "]
["Investment property costs including utilities, rates & expenses"]
["Renter property costs","Mandatory field - Include water, gas & electricity bills if the applicant is renting. Assessment should account for these expenses giving account to the type of property (location and size). "]
["Telephone, internet, Pay TV & media streaming","Mandatory field - Unless an applicant has a mobile phone supplied by their employer, it is expected that each applicant would have a mobile phone expense. If they have a home phone number, they may have a ‘bundle’ with a telco which includes internet."]
["Groceries","Mandatory field - It is expected that all applicants will have a grocery expense that is reasonable for their family unit size. "]
["Recreation & Entertainment","Mandatory field - It is expected that all applicants will have some form of recreation & entertainment cost. This includes alcohol, tobacco, gambling, restaurants and membership fees."]
["Clothing & Personal Care","Mandatory field - It is expected that all applicants will have clothing and personal care expenses that is reasonable for their family unit size. "]
["Medical & Health","Mandatory field - As an applicant’s age increase it is expected that medical and health costs will increase. In some case this cost may be $0 however given the customers circumstance it should be understood why through additional inquiry."]
["Transport","Mandatory field - It is expected that all applicants will have a transport cost that is reasonable for their assets and employment position. What are the running costs of each car owned including petrol and servicing or what are the costs of public transport where they commute for work. \nOne exception may be where an applicant has one car only which is provided by their employer or running costs are already include in novated lease payments."]
["Education","Mandatory field - Where the applicant(s) has school aged children is the declared amount reasonable to cover schools fees, uniform costs and books (if high school). Does the affluency of the applicant indicate that their children may attend a private school, if so, has this been declared by the customer. "]
["Childcare ","Mandatory field - Where the applicant(s) has pre-school aged children and all applicants work, has a child care cost been included that is reasonable for the location accounting for any rebate that may be due. Where this is applicable and declared expense is $0 additional inquiry needs to be made."]
["Insurance","Mandatory field - Do the below insurances apply to the applicant(s) and have they been accounted for:\n- House owners with home insurance\n- Car owners (accounted for each car)\n- Private Health - particularly where income is > $90,000 and applicant is single or > $180,000 for families\n- Income and life insurance \n- Pet insurance \n"]
["Other","Mandatory field - This is to capture unique items not covered for in the above categories that may be applicable to the applicant(s)."]
["Rent/Board","Rental or board expense paid by the customer."]
["Total Credit Card Limit","Total credit card limit of all continuing credit cards."]
["Other Mortgage Repayments","Mortgage repayments of any other continuing mortgage repayments."]
["Other Liabilities","Any other commitments the borrower has such as personal loans, child support, HEC’s."]
["Eligible Loan Amount","Where the NSR = FAIL an offer as to the maximum loan amount the customer can qualify for to pass the minimum NSR of 1x or 1.25x if > 50% of income is from untaxed sources. Otherwise the applied loan amount is shown."]
["Maximum Serviceable Loan Amount","This is an indication of the maximum loan amount that the borrower can service. "]

{"sheet":"User Guide - SEIC","index":12,"n_rows":28,"n_cols":2,"rows_kept":28,"cut":false,"hidden":true,"merged":[]}
["User Guide - Self Employed Income Calculator (SEIC)"]
[]
["Field Name","Explanation"]
["Clear Form (BUTTON)","Allows the user to clear all fields in the calculator"]
["Apply Values","Applies outputs from Self- employed income Calc into the Servicing Calculator"]
["Return to Calculator (BUTTON)","Returns to Servicing Calculator."]
["Financials for year ended Most Recent Year","Year financial year ends of financial statement period"]
["Financials for year ended Previous Year","Year financial year ends of financial statement period"]
["Gross Business Income","Gross business income off Profit and Loss statement"]
["Less Expenses","Total expenses including COGS from Profit and Loss statement"]
["Plus Superannuation over 9.5%","Discretionary superannuation paid >9.5% of wages from Profit and Loss statement"]
["Plus Depreciation","As advised in Profit and Loss statement"]
["Interest /Leasing Charges","As advised in Profit and Loss statement"]
["Ongoing Loan Repayments","Business loan repayments that will continue after the settlement of subject Pepper loan"]
["Director Wages Applicant 1","Wages paid to director"]
["Director Wages Applicant 2","Wages paid to director"]
["Director Wages Applicant 3","Wages paid to director"]
["Director Wages Applicant 4","Wages paid to director"]
["Director Wages Applicant 5","Wages paid to director"]
["Director Wages Applicant 6","Wages paid to director"]
["Applicants Entitlement/Applicant 1","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 2","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 3","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 4","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 5","% ownership of  this applicant of Business/Company or Trust"]
["Applicants Entitlement/Applicant 6","% ownership of  this applicant of Business/Company or Trust"]
["Apply Values (BUTTON)","Applies outputs from SELF employed income calc into residential Servicing calculator"]
["Return To Calculator (BUTTON)","Returns to Servicing Calculator Tab"]

{"sheet":"YTD","index":13,"n_rows":17,"n_cols":8,"rows_kept":17,"cut":false,"hidden":true,"merged":[[0,0,0,6],[6,0,6,6],[12,0,12,6]]}
["YEAR-TO-DATE INCOME CALCULATOR"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
["2018-07-01",null,{"$f":"B5-A5","v":-43282},{"$f":"C5/7","v":-6183.1428571428569},null,{"$f":"E5/D5","v":0},{"$f":"F5*52","v":0},{"$f":"G5/52*48","v":0}]
[]
["YEAR-TO-DATE INCOME CALCULATOR"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
[{"$f":"A5","v":"2018-07-01"},null,{"$f":"B11-A11","v":-43282},{"$f":"C11/7","v":-6183.1428571428569},null,{"$f":"E11/D11","v":0},{"$f":"F11*52","v":0},{"$f":"G11/52*48","v":0}]
[]
["YEAR-TO-DATE INCOME CALCULATOR"]
["Borrower Name"]
["Loan Id"]
["Start Date","Finish Date","No. of Days","Weeks","YTD Pay","Ave Per Week","Annualised","IF Casual @ 48w"]
[{"$f":"A5","v":"2018-07-01"},null,{"$f":"B17-A17","v":-43282},{"$f":"C17/7","v":-6183.1428571428569},0,{"$f":"E17/D17","v":0},{"$f":"F17*52","v":0},{"$f":"G17/52*48","v":0}]

{"sheet":"Workings","index":14,"n_rows":1,"n_cols":1,"rows_kept":1,"cut":false,"hidden":true,"merged":[[0,0,0,6]]}
["Loan Affordability Calculator"]

{"sheet":"Altdoc Workings","index":15,"n_rows":1,"n_cols":1,"rows_kept":1,"cut":false,"hidden":true,"merged":[[0,0,0,6]]}
["Application Figures"]

{"sheet":"Altdoc Check","index":16,"n_rows":35,"n_cols":2,"rows_kept":35,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Product"]
[null,"Prime"]
[null,"NP"]
[]
[]
[null,"Checked and Matches?"]
[null,"SE Alt Doc Application:"]
[null,"Self Employed Declaration on file?"]
[null,"NZBN verified?"]
[null,"GST 101s?"]
[null,"Business Bank statements?"]
[null,"Accuntant letter - does this meet product?"]
[null,"GST verified?"]
[null,"SE Check completed?"]
[null,"Supplementary Accountants letter on file?"]
[null,"Accountants Check completed?"]
[null,"Self employment check - Verification Call – Customer "]
[null,"Good morning/afternoon, \nMy name is [XXXX] calling on behalf of [Pepper Money/White Label partner] in relation to your home loan application. As part of the application process we undertake a verification call. \nBefore we continue, I need to advise that this call may be recorded for training and quality\npurposes, is this okay?\nThank you, I also need to confirm your identification. Could you please advise your name, date of birth and address?\nThank you. I would now like to verify the details of the application with you. \nThe loan amount is [$XXX,XXX], with an interest rate of [X.XX%] with monthly repayments of $X,XXX. Do you feel that you can meet this repayment without financial hardship?\nWhat is your Objective in taking out the loan?\nCould you please confirm what type of business you operate and how long you have operated it?\nCould you please confirm the income you declared on your income declaration?\nCould you please advise if your business was affected as part of COVID and if so how?\nThank you for your time, they are all the questions that I had for today. Is there anything I can help you with at this stage?\nFrom here we will go back to the [broker / Lending Specialist]\nThank you and have a great day."]
[null,"File note template:"]
[null,"Phone Transferred from [Internal Staff name] - confirmed fully ID"]
[null,"Spoke to [XXXXXX] at [xx:xx] on [XX/XX] and confirmed:"]
[null,"Customers Objective is to ["]
[null,"Occupation {"]
[null,"Business operated is ["]
[null,"Been in operation for ["]
[null,"Confirmed declared income [$XX,XXX] per annum"]
[null,"Loan amount [$XXX,XXX], interest rate [X.XX%], monthly repayments of [$X,XXX]. Advised [can/cant] meet the repayment without financial hardship."]
[null,"Verification call Accountant"]
[null,"Good morning/afternoon, \nMy name is XXXX calling on behalf of [Pepper Money/White Label partner]. I am calling you in order to validate a letter that you completed in relation to a mutual customer [XXXXXXXXXX]. Do you have 5 minutes in order for me to complete that?\nThank you.\nThe letter we have on file was signed by yourself on the [date] and stated that the customers net profit before tax for FY20[XX] was [$XX,XXXX]. Could you confirm that is the correct?\nIs this income reflective of the business’ current income level?"]
[null,"File note template:"]
[null,"Spoke to [XXXXXX] at [xx:xx] on [XX/XX] and confirmed:"]
[null,"Accountants letter was written by them and stated net profit confirmed"]
[null,"This [is/is not] representive of current income levels to the best of their knowledge."]
[null,"In relation to the accountants knowledge as to how the customers business has been impacted by COVID [                       ]"]

{"sheet":"Self Employed Income","index":17,"n_rows":12,"n_cols":6,"rows_kept":12,"cut":false,"hidden":true,"merged":[[0,0,0,5]]}
["Loan Affordability Calculator"]
[]
[null,2024,2023,"Profit/Loss ",null,"Addback "]
["Sales ",0,0]
["Expenses ",0,0]
["NPAT",0,0]
["depreciation ",0,0,"Profit ",{"$f":"B6","v":0},{"$f":"B7","v":0}]
["income - Dir/shareholder",0,0]
["income - Dir/shareholder",0,0]
["MV",0,0]
["Home office",0,0]
["Dir Sal"]

{"sheet":"Rental Schedule","index":18,"n_rows":24,"n_cols":24,"rows_kept":24,"cut":false,"hidden":true,"merged":[[23,0,23,3],[1,0,1,1],[2,0,2,1],[19,0,19,3],[20,0,20,3],[21,0,21,3],[22,0,22,3]]}
["Property Schedule"]
["Borrowers' name(s): "]
["Application number(s): "]
["Property Address","Owner(s)","% owned - Borrower 1","% owned - Borrower 2","Estimated value","LVR %\nNote 2","Loanable Sum","Estimated rental","Rent period - select from list","Gross Annual Rent - Note 4.","Buffer % [80% ]","Buffered rent $","Borrower 1 share - transfer to DSC","Borrower 2 share - transfer to DSC","Loan $","Actual Interest %","Int deduction $ - Borrower 1","Int deduction $ - Borrower 2"]
[null,null,null,null,null,0.8,{"$f":"F5*E5","v":0},null,"Weekly",{"$f":"IF(I5=$X$5,H5*52, IF(I5=$X$6,H5*26, IF(I5=$X$7,H5*12,\" \")))","v":0},0.8,{"$f":"K5*J5","v":0},{"$f":"L5*C5","v":0},{"$f":"L5*D5","v":0},null,null,{"$f":"P5*O5*C5","v":0},{"$f":"P5*O5*D5","v":0},null,null,null,null,null,"Weekly"]
[null,null,null,null,null,0.8,{"$f":"F6*E6","v":0},null,"Weekly",{"$f":"IF(I6=$X$5,H6*52, IF(I6=$X$6,H6*26, IF(I6=$X$7,H6*12,\" \")))","v":0},0.8,{"$f":"K6*J6","v":0},{"$f":"L6*C6","v":0},{"$f":"L6*D6","v":0},null,null,{"$f":"P6*O6*C6","v":0},{"$f":"P6*O6*D6","v":0},null,null,null,null,null,"Fortnightly"]
[null,null,null,null,null,0.8,0,null,"Weekly",{"$f":"IF(I7=$X$5,H7*52, IF(I7=$X$6,H7*26, IF(I7=$X$7,H7*12,\" \")))","v":0},0.8,0,0,0,null,null,0,0,null,null,null,null,null,"Monthly"]
[null,null,null,null,null,0.8,0,null,"Weekly",0,0.8,0,0,0,null,null,0,0,null,null,null,null,null,"Annually"]
[null,null,null,null,null,0.8,0,null,"Weekly",0,0.8,0,0,0,null,null,0,0]
[null,null,null,null,null,0.8,0,null,"Weekly",0,0.8,0,0,0,null,null,0,0]
[null,null,null,null,null,0.8,0,null,"Weekly",0,0.8,0,0,0,null,null,0,0]
[null,null,null,null,null,0,0,null,"Weekly",0,0.8,0,0,0,null,null,0,0]
[null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,0,0]
[null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,0,0]
[]
[]
["TOTALS",null,null,null,{"$f":"SUM(E5:E16)","v":0},null,{"$f":"SUM(G5:G16)","v":0},{"$f":"SUM(H5:H16)","v":0},null,{"$f":"SUM(J5:J16)","v":0},null,{"$f":"SUM(L5:L16)","v":0},{"$f":"SUM(M5:M16)","v":0},{"$f":"SUM(N5:N16)","v":0},{"$f":"SUM(O5:O16)","v":0},null,{"$f":"SUM(Q5:Q16)","v":0},{"$f":"SUM(R5:R16)","v":0}]
[]
["Notes:"]
["1. Include all property owned by members"]
["2. Set LVR to zero if property is not part of security offered."]
["3. Default to 80% or over-type actual if applicable"]
["4. Use this total in Servicing Calculator (DSC)"]
["5. Add additional rows if required."]

{"sheet":"Four Eye Check","index":19,"n_rows":114,"n_cols":6,"rows_kept":114,"cut":false,"hidden":true,"merged":[]}
[]
[null,"HOW? Maybe call accountant "]
[null,"INV and IO = same rate Day 1"]
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[null,"Checked and Matches?","YES/NO","LOKI","DSC","Approval Letter"]
[null,"Base Loan Amount is correct?"]
[null,"Fees correct as per rate card?"]
[null,"Final Loan Amount is correct?"]
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[null,"Base LVR"]
[null,"Final LVR"]
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[null,"Base Rate"]
[null,"Add Ons"]
[null,"Promos"]
[null,"End Rate"]
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[null,"Product name matches rate card?"]
[null,"Loan Term in line with product?"]
[null,"IF >30 years, then no Interest Only"]
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[null,"Upfront and Trail commission correct?"]
[null,"Loan Purpose correct?"]
[null,"Fixed Rate Term correct?"]
[null,"Interest Only Term correct?"]
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[null,"Full Name matches Docs"]
[null,"Address verified on ID? (DL or Rates Notice/s)"]
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[null,"VOI"]
[null,"Copy of current NZ DL or Passport"]
[null,"Proof of current address (if not on D/L) e.g. utility bill, rates notice) or bank statement\n(NOTE: does not need to be a certified copy)\n**Settlement Condition: Customers Solicitor will provide completed ID form and required docs"]
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[null,"Trusts: "]
[null,"Trustee Verified?"]
[null,"Beneficial Owners Verified?"]
[null,"Certified copy of Trust Deed on file?"]
[null,"Settlement Condition: The trust deed for <trust name> to be reviewed by Pepper Panel Solicitor and deemed satisfactory for lending purposes."]
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[null,"Companies: "]
[null,"Directors Verified?"]
[null,"Shareholders Verified?"]
[null,"Guarantor condition for legal advice - Postponed?"]
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[null,"Credit Report on file?"]
[null,"Credit Report checklist completed?"]
[null,"World Check completed?"]
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[null,"SE Alt Doc Application:"]
[null,"Self Employed Declaration on file?"]
[null,"SE Check completed?"]
[null,"NZBN verified?"]
[null,"BBS/GST101/AC Letter on file?"]
[null,"GST verified?"]
[null,"Supplementary Accountants letter on file?"]
[null,"Accountants Check completed?"]
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[null,"Security Valuation on file?"]
[null,"Address matches?"]
[null,"Addressed to Pepper?"]
[null,"Within 90 days old?"]
[null,"Security value matches?"]
[null,"Title Search checked confirming no caveats?"]
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[null,"Servicing Calc completed?"]
[null,"Final Loan Amount entered on DSC?"]
[null,"NSR Pass 1.00x"]
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[null,"Purchase"]
[null,"COS (correct security address and purchaser name)"]
[null,"FHOG condition noted - if applicable"]
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[null,"Refinance"]
[null,"Conditions - correct reference of debt noted?"]
[null,"Below conditions to be added for all Refinances and postponed:"]
[null,"I / We, understand it is a condition of our loan to repay and close all the above accounts. We have obtained pay out figures from the creditors and have noted them above. We undertake to close all these accounts after settlement"]
[null,"I/ We understand that if the payout figures provided on this document are significantly lower than the figures noted in the loan agreement, confirmation must be provided from the creditor with this document. "]
[null,"I/ We, understand that settlement may be delayed or cancelled if there are insufficient funds to compete settlement. We will be responsible for making payments for any shortfalls from our own funds. "]
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[null,"Documents required:"]
[null,"Supplementary Privacy Disclosure"]
[null,"Astute application"]
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[null,"Supplementary - Company Details form (if borrower involves company or company trustee)"]
[null,"Supplementary - Business Purpose Declaration (to be signed if for business and/or INV purposes)"]
[null,"Supplementary - Trust Details Form (required when Trust involved)"]
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[null,"Conditions are simple and concise?"]
[null,"Call made to broker?"]
[null,"Email sent to broker?"]