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{"sheet":"Serviceability","index":0,"n_rows":94,"n_cols":15,"rows_kept":94,"cut":false,"hidden":true,"merged":[[7,4,7,11],[17,8,17,10],[75,10,76,12],[75,13,76,13],[60,8,60,9],[61,8,61,9],[62,8,62,9],[63,8,63,9],[60,10,60,11],[61,10,61,11],[62,10,62,11],[63,10,63,11],[18,8,18,9],[19,8,19,9],[20,8,20,9],[21,8,21,9],[88,3,89,13],[75,3,76,9],[41,9,41,14],[43,9,43,14],[30,3,30,13],[59,10,59,11],[59,8,59,9],[66,8,66,9],[85,9,85,10],[81,13,82,13],[81,6,81,7],[82,6,82,7],[83,6,83,7],[84,6,84,7],[85,6,85,7]]}
[]
[]
[null,null,"Serviceability Calculator (Residential)"]
[null,null,null,"RedZed Lending Solutions Pty Ltd (ACL 311128)"]
[]
[null,null,null,"Information can be entered in the clear boxes, the grey boxes contain RedZed calculations."]
[]
[null,null,null,"Application name - mandatory"]
[]
[null,null,null,"Income Table",null,null,null,null,"Gross Annual",null,null,null,null,"Net Monthly"]
[]
[null,null,null,"Personal Income","Select Household","PAYG",null,"Self Employed"]
[null,null,null,"Applicant / Guarantor 1",null,5000,null,5000,{"$f":"IFERROR(F13+H13,0)","v":10000}," ",null,null,null,{"$f":"'Tax Calc'!I5","v":816.66666666666663}]
[null,null,null,"Applicant / Guarantor 2",null,null,null,null,{"$f":"IFERROR(F14+H14,0)","v":0},null,null,null,null,{"$f":"'Tax Calc'!I6","v":0}]
[null,null,null,"Applicant / Guarantor 3",null,null,null,400,{"$f":"IFERROR(F15+H15,0)","v":400},null,null,null,null,{"$f":"'Tax Calc'!I7","v":32.666666666666664}]
[null,null,null,"Applicant / Guarantor 4",null,null,null,null,{"$f":"IFERROR(F16+H16,0)","v":0},null,null,null,null,{"$f":"'Tax Calc'!I8","v":0}]
[]
[null,null,null,null,null,null,null,"Select Household","Enter Source of Income"]
[null,null,null,"Applicant / Guarantor 1","Other Regular Monthly Income (eg - Centrelink payments, investments)",null,null,null,"dfdf",null,null,null,null,"dfdf"]
[null,null,null,"Applicant / Guarantor 2","Other Regular Monthly Income (eg - Centrelink payments, investments)"]
[null,null,null,"Applicant / Guarantor 3","Other Regular Monthly Income (eg - Centrelink payments, investments)"]
[null,null,null,"Applicant / Guarantor 4","Other Regular Monthly Income (eg - Centrelink payments, investments)"]
[]
[null,null,null,"Rental Income","Existing",null,null,null,null,null,null,null,null,{"$f":"I24*0.8/12","v":0}]
[null,null,null,"Rental Income","New",null,null,null,null,null,null,null,null,{"$f":"I25*0.8/12","v":0}]
[]
[null,null,null,"Company Income (only to be used if the company is the loan applicant)"]
[null,null,null,"*If a guarantor's income is also required to help with serviceability,"]
[null,null,null,"all company and guarantor debts, and living expenses need to be included"]
[null,null,null,"Company Net Profit Before Tax - Full Doc or Alt Doc Self Certified",null,null,null,null,null,null,null,null,null,{"$f":"(I30-(I30*Table_Company_Tax_Rate))/12","v":0}]
[null,null,null,{"$f":"IF(I30 <> 0, \"Only NPBT from the borrowing Company entity can be entered in this field. Other related company NPBT needs to be allocated to the director(s)/guarantor(s)\", 0)","v":0}]
[null,null,null,"Total Monthly Net Income",null,null,null,null,null,null,null,null,null,{"$f":"SUM(N13,N14,N15,N16,N19,N20,N21,N22,N24,N25,N30)","v":849.33333333333326}]
[]
[]
[null,null,null,"Monthly Living Expenses"]
[]
[null,null,null,"Applicants(s) declared expenses - mandatory"]
[]
[null,null,null,"Ongoing (combined) standard monthly living expenses declared by applicant(s)"]
[]
[null,null,null,"RedZed Living Allowance"]
[null,null,null,"Number of adults - household 1",null,null,null,null,null,{"$f":"Tables!E84","v":" "}]
[null,null,null,"Number of dependant children - household 1"]
[null,null,null,"Number of adults - household 2",null,null,null,null,null,{"$f":"Tables!E85","v":" "}]
[null,null,null,"Number of dependant children - household 2"]
[]
[null,null,null,"Total Monthly Living Expenses used in assessment",null,null,null,null,null,null,null,null,null,{"$f":"MAX(SUM(N42:N45),I39)","v":0}]
[]
[]
[null,null,null,"Available Income",null,null,null,null,null,null,null,null,null,{"$f":"Tables!B313","v":849.33333333333326}]
[]
[null,null,null,"Commitments",null,null,null,null,null,null,null,null,null,"Monthly"]
[]
[null,null,null,"RedZed Loan Applied For"]
[]
[null,null,null,null,"Loan 1",null,null,null,null,null,null,null,null,{"$f":"Tables!B319","v":0}]
[null,null,null,null,"Loan 2",null,null,null,null,null,null,null,null,{"$f":"Tables!B320","v":0}]
[null,null,null,null,"Loan 3",null,null,null,null,null,null,null,null,{"$f":"Tables!B321","v":0}]
[null,null,null,"Note: An interest rate buffer is automatically applied by the calculator. You do not need to apply a separate buffer."]
[]
[null,null,null,"Existing Loans","Loan 1 - Existing Secured",null,null,null,null,null,""]
[null,null,null,null,"Loan 2 - Existing Secured",null,null,null,null,null,""]
[null,null,null,null,"Loan 3 - Existing Unsecured",null,null,null,null,null,""]
[null,null,null,null,"Loan 4 - Existing Unsecured",null,null,null,null,null,""]
[]
[]
[null,null,null,"Credit Cards",null,null,null,null,null,null,"(@3.82%)",null,null,{"$f":"I67*3.82%","v":0}]
[]
[null,null,null,"Maintenance / On Going Rent"]
[]
[null,null,null,"Other Fixed Monthly Repayments"]
[]
[null,null,null,"Total Monthly Commitments",null,null,null,null,null,null,null,null,null,{"$f":"SUM(N56:N71)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,"Pass",null,null,"(DSR)"]
[null,null,null,"This Serviceability Calculator is intended as a guide only and no loan approval can be assumed on the basis of the results of this calculator. All applications remain subject to the normal credit and approval criteria of RedZed Lending Solutions Pty Ltd.",null,null,null,null,null,null,null,null,null,{"$f":"IFERROR('Serviceability Calc'!C22,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,"DTI  must also be met for Regulated Loans"]
[null,null,null,null,null,null,null,null,null,null,"For Company Borrowers DSR must be >1.10"]
[null,null,null,null,null,null,null,null,null,null,"For IO Inv loans > 75% DSR must be >1.10"]
[null,null,null,"Debt to Income Ratio - minimum requirements - Regulated Loans Only",null,null,null,null,null,null,null,null,null,"DTI"]
[null,null,null,"Borrower/income Type","DTI > 6.0 - 7.0","DTI > 7.0 - < 8.0","DTI > 8.0 - 8.5",null,"DTI > 8.5",null,null,null,null,{"$f":"IFERROR((SUM(I56:I58)+SUM(I61:I64)+I67)/(SUM(I13:I16)+SUM(N19:N22)*12+SUM(I24:I25)),\"\")","v":0}]
[null,null,null,"Self Employed","DSR >1.10,\n\n>/=1.06 with rental income\n\nDTI up to 7.0","DSR >1.10,\n\n>/=1.06 with rental income\n\nDTI > 7.0 - < 8.0","Minimum DSR \n\n>/=1.02 \n\nAll income",null,"Contact your BDM"]
[null,null,null,"Self Employed & PAYG\n(PAYG < 25% of total income)","DSR >1.10,\n\n>/=1.06 with rental income\n\nDTI up to 7.0)","DSR >1.10,\n\n>/=1.06 with rental income\n\nDTI </= 8.0","Minimum DSR \n\n>/=1.02 \n\nAll income",null,"Contact your BDM"]
[null,null,null,"Self Employed & PAYG\n(PAYG > 25% of total income)","DSR >1.10,\n\n>/=1.06 with rental income\n\nDTI up to 7.0","DSR >1.10,\n\n>/=1.06 with rental income\n\nDTI </= 8.0","Minimum DSR \n\n>/=1.02 \n\nAll income",null,"Contact your BDM"]
[null,null,null,"PAYG Only\n","DSR >1.10,\n\n>/=1.06 with rental income\n\nDTI up to 6.5","DSR >1.10,\n\n>/=1.06 with rental income\n\n> 6.5 - </= 7.5","Minimum DSR \n\n>/=1.02 \n\nAll income\n\nDTI > 7.5 - =/> 8.0",null,"Contact your BDM"]
[]
[]
[null,null,null,"I, the Introducer, confirm that reasonable enquiries about the applicant(s) current and ongoing financial situation have been undertaken and are reflected in the figures entered into this calculation. The applicants(s) have been given sufficient time to consider the declared monthly living expenses amount which has been derived following due consideration."]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Version Control'!I1","v":"V1.2 240206"}]

{"sheet":"SMSF Serviceability Calculator","index":1,"n_rows":100,"n_cols":15,"rows_kept":100,"cut":false,"hidden":false,"merged":[[91,3,92,13],[54,10,54,11],[55,10,55,11],[56,10,56,11],[88,10,89,12],[88,13,89,13],[66,10,67,12],[66,13,67,13],[58,10,58,11],[57,10,57,11],[60,8,60,9],[61,8,61,9],[59,10,59,11],[89,3,89,4],[85,3,88,5],[79,3,82,4],[7,4,7,11],[28,3,28,13],[38,9,38,14],[53,10,53,11],[35,9,35,10],[10,3,10,5],[9,3,9,4],[26,3,27,5],[71,7,71,11],[71,13,71,14],[60,10,60,11],[61,10,61,11],[66,3,68,5],[65,10,65,13],[64,3,64,14]]}
[]
[]
[null,null,"SMSF Serviceability Calculator"]
[null,null,null,"RedZed Lending Solutions Pty Ltd (ACL 311128)"]
[]
[null,null,null,"Enter information in the pink boxes.The grey boxes contain calculated results."]
[]
[null,null,null,"SMSF Application name - mandatory"," "]
[]
[null,null,null,"Number of separate households the SMSF members reside in?",null,null,null,{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"}]
[]
[]
[]
[null,null,null,"Superannuation Income Table -  Contributions to existing Self-managed Super Fund &/or Retail Superannuation Fund",null,null,null,null,"Gross Annual Contributions",null,null,null,null,"Net Monthly"]
[]
[null,null,null,"Superannuation Contributions (RedZed allow maximum 4 members)"]
[null,null,null,"Member / Guarantor 1","From Superannuation  Fund Statements",null,null,null,0,null,null,null,null,{"$f":"Tables!D384","v":0}]
[null,null,null,"Member / Guarantor 2","From Superannuation  Fund Statements",null,null,null,0,null,null,null,null,{"$f":"Tables!E384","v":0}]
[null,null,null,"Member / Guarantor 3","From Superannuation  Fund Statements",null,null,null,0,null,null,null,null,{"$f":"Tables!F384","v":0}]
[null,null,null,"Member / Guarantor 4","From Superannuation  Fund Statements",null,null,null,0,null,null,null,null,{"$f":"Tables!G384","v":0}]
[]
[null,null,null,"SMSF Rental Income","New Purchase",null,null,null,0,null,null,null,null,{"$f":"I22*0.8/12","v":0}]
[null,null,null,"SMSF Rental Income","Existing Property held via SMSF",null,null,null,0,null,null,null,null,{"$f":"I23*0.8/12","v":0}]
[]
[]
[null,null,null,"SMSF Liquid Asset Position (combined - cash, shares and bonds held post the settlement of this loan)"]
[null,null,null,"* The equivalent of 3 months repayments (on all SMSF mortgages) are required as a Liquid Asset balance\nPlease note for Commercial Super product;\n- The equivalent of 6 months repayments (on all SMSF mortgages) are required as a Liquid Asset balance if the lease - has <12 months remaining, is new, or is in favour of a SMSF members business.",null,null,null,null,"Liquid Asset Position "]
[null,null,null,null,null,null,null,null,0,null,null,null,null,{"$f":"I28*0.04*0.85/12","v":0}]
[null,null,null,{"$f":"IF(AND(EXACT(G51,\"SMSF Comm\"),I28 < 6*N64,I28 >= 3*N64),\"Minimum Liquid Asset position is < required. Contact your BDM.\",IF(I28 < 3*N64, \"Minimum Liquid Asset position is < required. Contact your BDM.\", 0))","v":0}]
[null,null,null,"Total Monthly Net Income",null,null,null,null,null,null,null,null,null,{"$f":"SUM(N17:N20,N22:N23,N28)","v":0}]
[]
[]
[null,null,null,"SMSF Expenses / Regular Withdrawals",null,null,null,null,"Gross Annual"]
[]
[null,null,null,"Existing Superannuation Fund Expenses"]
[null,null,null,"Ongoing SMSF expenses including audit fees, facility maintenance, insurance payments etc. ",null,null,null,null,0,"Min. $2000.00 p.a. ",null,null,null,{"$f":"IF(ISBLANK(I36),0,IF(I36<2000,2000,I36)/12)","v":166.66666666666666}]
[]
[null,null,null,"Regular Withdrawals from the fund (If Any)",null,null,null,null,0,null,null,null,null,{"$f":"I38/12","v":0}]
[null,null,null,null,null,null,null,null,null,{"$f":"Tables!E84","v":" "}]
[]
[null,null,null,"Total Monthly SMSF Expenses and Withdrawals ",null,null,null,null,null,{"$f":"Tables!E85","v":" "},null,null,null,{"$f":"N36+N38","v":166.66666666666666}]
[]
[]
[]
[null,null,null,"Available Income",null,null,null,null,null,null,null,null,null,{"$f":"N30-N41","v":-166.66666666666666}]
[]
[null,null,null,"SMSF Borrowing Commitments",null,null,null,null,null,null,null,null,null,"Monthly"]
[]
[null,null,null,"New & Existing Loans"]
[null,null,null,null,null,null,"Select Loan Type",null,"Loan Amount","Loan Term in Years","Interest Only Term","Interest Rate"]
[null,null,null,null,"New RedZed Loan ",null,null,{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},0,null,null,null,null,{"$f":"Tables!B387","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,"Limit","Financier"]
[null,null,null,"Existing SMSF Loans","Loan 1",null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 2",null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 3",null,null,null,null,0,"",null,null,0]
[]
[null,null,null,null,null,null,null,null,null,"Limit","Financier"]
[null,null,null,"Other Loan/Liability Limits if any","eg - Margin Loan",null,null,null,null,0,"",null,null,0]
[]
[]
[]
[null,null,null,"Total Monthly Commitments",null,null,null,null,null,null,null,null,null,{"$f":"SUM(N51,N55:N57,N60)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,"SMSF Fund Only Debt Servicing Ratio                  (DSR)"]
[null,null,null,"This Serviceability Calculator is intended as a guide only and no loan approval can be assumed on the basis of the results of this calculator. All applications remain subject to the normal credit and approval criteria of RedZed Lending Solutions Pty Ltd.",null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(N51>0,'Serviceability Calc'!G25,0),0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,"For SMSF Fund Only Servicing DSR must be >1.00"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"SMSF Fund + Member Servicing Level",null,null,"Household",null,"Proposed Monthly Contribution","Available Monthly Contribution",null,null,null,"RedZed Adopted Contribution"]
[null,null,null,null,null,null,"Household 1",null,{"$f":"Tables!B369","v":0},{"$f":"IF(Tables!B367<0,0,Tables!B367)","v":0},null,null,null,{"$f":"Tables!B374","v":0}]
[null,null,null,null,null,null,"Household 2",null,{"$f":"Tables!C369","v":0},{"$f":"IF(Tables!C367<0,0,Tables!C367)","v":0},null,null,null,{"$f":"Tables!C374","v":0}]
[null,null,null,null,null,null,"Household 3",null,{"$f":"Tables!D369","v":0},{"$f":"IF(Tables!D367<0,0,Tables!D367)","v":0},null,null,null,{"$f":"Tables!D374","v":0}]
[null,null,null,null,null,null,"Household 4",null,{"$f":"Tables!E369","v":0},{"$f":"IF(Tables!E367<0,0,Tables!E367)","v":0},null,null,null,{"$f":"Tables!E374","v":0}]
[null,null,null,"Member Additional Contributions "]
[]
[null,null,null,"Serviceability has now been assessed using the proosed additional member contributions as detailed in the Member Level Serviceability Cal worksheet. "]
[null,null,null,null,null,null,null,null,null,null,"SMSF + Member Debt "]
[null,null,null,null,null,null,null,null,null,null,"Servicing Ratio",null,null,"(DSR)"]
[null,null,null,null,null,null,null,null,null,null,"Fail",null,null,{"$f":"IFERROR('Serviceability Calc'!J24,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,"SMSF + Member Level Servicing  DSR must be >1.10"]
[null,null,null,"I, the Introducer, confirm that reasonable enquiries about the applicant(s) current and ongoing financial situation have been undertaken and are reflected in the figures entered into this calculation. Where required the member(s) have been given sufficient time to consider the declared monthly living expenses amount which has been derived following due consideration."]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Version Control'!I1","v":"V1.2 240206"}]

{"sheet":"Member Serviceability Calc","index":2,"n_rows":199,"n_cols":17,"rows_kept":199,"cut":false,"hidden":true,"merged":[[190,3,191,15],[18,8,18,9],[19,8,19,9],[20,8,20,9],[21,8,21,9],[176,8,176,9],[177,8,177,9],[178,8,178,9],[179,8,179,9],[175,8,175,9],[168,8,168,13],[168,15,168,16],[185,12,186,14],[185,15,186,15],[173,10,175,10],[174,11,175,11],[176,3,179,5],[187,12,188,15],[162,12,162,14],[163,12,164,14],[163,15,164,15],[181,8,188,11],[173,3,175,6],[163,3,165,7],[183,3,187,7],[174,15,175,15],[7,4,7,13],[9,10,9,11],[48,10,48,11],[49,10,49,11],[50,10,50,11],[12,11,12,12],[13,11,13,12],[14,11,14,12],[15,11,15,12],[17,8,17,9]]}
[]
[]
[null,null,"SMSF Additional Member Contribution "]
[null,null,null,"RedZed Lending Solutions Pty Ltd (ACL 311128)"]
[]
[null,null,null,"Enter information in the Pink boxes. The grey boxes contain calculated results"]
[]
[null,null,null,null,{"$f":"Tables!H324","v":" "}]
[]
[null,null,null,"Member(s) / Guarantor(s) Income Table",null,null,null,null,null,null,"Gross Annual",null,null,null,null,"Net Monthly"]
[]
[null,null,null,"Personal Income","Select Household",null,"PAYG","Self Employed","Alt Doc/Full Doc"]
[null,null,null,"Member / Guarantor 1","",{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},0,0,null,{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},{"$f":"IFERROR(G13+H13,0)","v":0},{"$f":"IF(AND(H13 <> 0,I13 =  \"\"),\"Missing Alt/Full Doc Type\",\"\")","v":""},null,null,null,{"$f":"'Tax Calc'!I9","v":0}]
[null,null,null,"Member / Guarantor 2","",{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},0,0,null,{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},{"$f":"IFERROR(G14+H14,0)","v":0},{"$f":"IF(AND(H14 <> 0,I14 =  \"\"),\"Missing Alt/Full Doc Type\",\"\")","v":""},null,null,null,{"$f":"'Tax Calc'!I10","v":0}]
[null,null,null,"Member / Guarantor 3","",{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},0,0,null,{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},{"$f":"IFERROR(G15+H15,0)","v":0},{"$f":"IF(AND(H15 <> 0,I15 =  \"\"),\"Missing Alt/Full Doc Type\",\"\")","v":""},null,null,null,{"$f":"'Tax Calc'!I11","v":0}]
[null,null,null,"Member / Guarantor 4","",{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},0,0,null,{"$f":"HYPERLINK(\"#\"&ADDRESS(ROW(),COLUMN()-1),CHAR(128))","v":"€"},{"$f":"IFERROR(G16+H16,0)","v":0},{"$f":"IF(AND(H16 <> 0,I16 =  \"\"),\"Missing Alt/Full Doc Type\",\"\")","v":""},null,null,null,{"$f":"'Tax Calc'!I12","v":0}]
[]
[null,null,null,null,null,null,null,null,"Enter Source of Income"]
[null,null,null,"Member / Guarantor 1","Other Regular Income (eg - Centrelink payments,)",null,null,null,null,null,0,null,null,null,null,{"$f":"K19/12","v":0}]
[null,null,null,"Member / Guarantor 2","Other Regular Income (eg - Centrelink payments,)",null,null,null,null,null,0,null,null,null,null,{"$f":"K20/12","v":0}]
[null,null,null,"Member / Guarantor 3","Other Regular Income (eg - Centrelink payments,)",null,null,null,null,null,0,null,null,null,null,{"$f":"K21/12","v":0}]
[null,null,null,"Member / Guarantor 4","Other Regular Income (eg - Centrelink payments,)",null,null,null,null,null,0,null,null,null,null,{"$f":"K22/12","v":0}]
[]
[null,null,null,"Household 1"]
[null,null,null,"Rental Income","Existing",null,null,null,null,null,0,null,null,null,null,{"$f":"K25*0.8/12","v":0}]
[]
[]
[null,null,null,"Household 2"]
[null,null,null,"Rental Income","Existing",null,null,null,null,null,0,null,null,null,null,{"$f":"K29*0.8/12","v":0}]
[]
[]
[null,null,null,"Household 3"]
[null,null,null,"Rental Income","Existing",null,null,null,null,null,0,null,null,null,null,{"$f":"K33*0.8/12","v":0}]
[]
[]
[null,null,null,"Household 4"]
[null,null,null,"Rental Income","Existing",null,null,null,null,null,0,null,null,null,null,{"$f":"K37*0.8/12","v":0}]
[]
[]
[]
[null,null,null,"Total Monthly Net Income Household 1",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Tables!B338,P25,P26)","v":0}]
[null,null,null,"Total Monthly Net Income Household 2",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Tables!C338,P29,P30)","v":0}]
[null,null,null,"Total Monthly Net Income Household 3",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Tables!D338,P33,P34)","v":0}]
[null,null,null,"Total Monthly Net Income Household 4",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Tables!E338,P37,P38)","v":0}]
[]
[]
[null,null,null,"Monthly Living Expenses"]
[]
[null,null,null,"Applicants(s) declared expenses - mandatory",null,null,null,null,null,null,"RedZed Living Allowance"]
[]
[null,null,null,"Household 1","Ongoing (combined) standard monthly living expenses ",null,null,null,null,null,"Number of adults - household 1"]
[null,null,null,null,"declared by applicant(s)",null,null,null,0,null,"Number of dependant children - household 1"]
[]
[null,null,null,"Household 2","Ongoing (combined) standard monthly living expenses ",null,null,null,null,null,"Number of adults - household 2"]
[null,null,null,null,"declared by applicant(s)",null,null,null,0,null,"Number of dependant children - household 2"]
[]
[null,null,null,"Household 3","Ongoing (combined) standard monthly living expenses ",null,null,null,null,null,"Number of adults - household 3"]
[null,null,null,null,"declared by applicant(s)",null,null,null,0,null,"Number of dependant children - household 3"]
[]
[null,null,null,"Household 4","Ongoing (combined) standard monthly living expenses ",null,null,null,null,null,"Number of adults - household 4"]
[null,null,null,null,"declared by applicant(s)",null,null,null,0,null,"Number of dependant children - household 4"]
[]
[]
[]
[]
[]
[null,null,null,"Available Income Household 1",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Tables!B365 <0,0,Tables!B365)","v":0}]
[null,null,null,"Available Income Household 2",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Tables!C365<0,0,Tables!C365)","v":0}]
[null,null,null,"Available Income Household 3",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Tables!D365<0,0,Tables!D365)","v":0}]
[null,null,null,"Available Income Household 4",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Tables!E365<0,0,Tables!E365)","v":0}]
[]
[null,null,null,"Commitments",null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[]
[null,null,null,"Household 1",null,null,null,null,null,null,null,"Limit","Financier"]
[null,null,null,"Existing Loans (non SMSF)","Loan 1 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 2 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 3 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 4 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 5 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 6 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Total Credit Limits"]
[null,null,null,"Credit Cards",null,null,null,null,null,null,null,0,"(@3.82%)",null,null,{"$f":"L83*3.82%","v":0}]
[]
[null,null,null,"Maintenance / On Going Rent",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Other Fixed Monthly Repayments",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Total Monthly Surplus Funds Household 1",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P67-SUM(P75:P87)<0,0,P67-SUM(P75:P87))","v":0}]
[]
[]
[null,null,null,"Household 2",null,null,null,null,null,null,null,"Limit","Financier"]
[null,null,null,"Existing Loans (non SMSF)","Loan 1 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 2 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 3 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 4 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 5 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 6 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Total Credit Limits"]
[null,null,null,"Credit Cards",null,null,null,null,null,null,null,0,"(@3.82%)",null,null,{"$f":"L101*3.82%","v":0}]
[]
[null,null,null,"Maintenance / On Going Rent",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Other Fixed Monthly Repayments",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Total Monthly Surplus Funds Household 2",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P68-SUM(P93:P105)<0,0,P68-SUM(P93:P105))","v":0}]
[]
[]
[null,null,null,"Household 3",null,null,null,null,null,null,null,"Limit","Financier"]
[null,null,null,"Existing Loans (non SMSF)","Loan 1 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 2 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 3 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 4 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 5 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 6 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Total Credit Limits"]
[null,null,null,"Credit Cards",null,null,null,null,null,null,null,0,"(@3.82%)",null,null,{"$f":"L119*3.82%","v":0}]
[]
[null,null,null,"Maintenance / On Going Rent",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Other Fixed Monthly Repayments",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Total Monthly Surplus Funds Household 3",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P69-SUM(P111:P123)<0,0,P69-SUM(P111:P123))","v":0}]
[]
[]
[null,null,null,"Household 4",null,null,null,null,null,null,null,"Limit","Financier"]
[null,null,null,"Existing Loans (non SMSF)","Loan 1 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 2 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 3 - Existing Secured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 4 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 5 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[null,null,null,null,"Loan 6 - Existing Unsecured",null,null,null,null,null,null,0,"",null,null,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Total Credit Limits"]
[null,null,null,"Credit Cards",null,null,null,null,null,null,null,0,"(@3.82%)",null,null,{"$f":"L137*3.82%","v":0}]
[]
[null,null,null,"Maintenance / On Going Rent",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Other Fixed Monthly Repayments",null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,"Total Monthly Surplus Funds Household 4",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P70-SUM(P129:P141)<0,0,P70-SUM(P129:P141))","v":0}]
[]
[]
[null,null,null,"Proposed Additional Contributions",null,null,"in addition to current contributions",null,null,null,null,null,null,null,null,"Net Monthly"]
[]
[null,null,null,"Enter the additional contribution amount the member is proposing to pay into their SMSF (above current contributions.)"]
[null,null,null,"Member / Guarantor 1",null,null,null,null,{"$f":"E13","v":""},null,null,"Enter monthly proposed client contribution",null,null,null,0]
[null,null,null,"Member / Guarantor 2",null,null,null,null,{"$f":"E14","v":""},null,null,"Enter monthly proposed client contribution",null,null,null,0]
[null,null,null,"Member / Guarantor 3",null,null,null,null,{"$f":"E15","v":""},null,null,"Enter monthly proposed client contribution",null,null,null,0]
[null,null,null,"Member / Guarantor 4",null,null,null,null,{"$f":"E16","v":""},null,null,"Enter monthly proposed client contribution",null,null,null,0]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"SMSF Debt Servicing Ratio",null,null,"(DSR)"]
[null,null,null,"This Serviceability Calculator is intended as a guide only and no loan approval can be assumed on the basis of the results of this calculator. All applications remain subject to the normal credit and approval criteria of RedZed Lending Solutions Pty Ltd.",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR('Serviceability Calc'!G25,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"For SMSF Level Servicing DSR must be >1.00"]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"SMSF Fund + Member Servicing Level",null,null,null,null,null,null,"Proposed Monthly Contribution"]
[null,null,null,null,null,null,null,null,"Household",null,null,"Available Monthly Contribution",null,null,null,"RedZed Adopted Contribution"]
[]
[null,null,null,null,null,null,null,null,"Household 1",null,{"$f":"Tables!B369","v":0},{"$f":"IF(Tables!B367<0,0,Tables!B367)","v":0},null,null,null,{"$f":"Tables!B374","v":0}]
[null,null,null,null,null,null,null,null,"Household 2",null,{"$f":"Tables!C369","v":0},{"$f":"IF(Tables!C367<0,0,Tables!C367)","v":0},null,null,null,{"$f":"Tables!C374","v":0}]
[null,null,null,null,null,null,null,null,"Household 3",null,{"$f":"Tables!D369","v":0},{"$f":"IF(Tables!D367<0,0,Tables!D367)","v":0},null,null,null,{"$f":"Tables!D374","v":0}]
[null,null,null,null,null,null,null,null,"Household 4",null,{"$f":"Tables!E369","v":0},{"$f":"IF(Tables!E367<0,0,Tables!E367)","v":0},null,null,null,{"$f":"Tables!E374","v":0}]
[]
[null,null,null,"Member Additional Contributions ",null,null,null,null,"Please be reminded that if clients' are proposing to make additional contributions to assist in servicing this loan, we require a signed and completed proposed additional member contributions declaration form"]
[]
[null,null,null,"Serviceability has now been assessed using the proosed additional member contributions as detailed in the Member Level Serviceability Cal worksheet. ",null,null,null,null,null,null,null,null,"SMSF + Member Debt "]
[null,null,null,null,null,null,null,null,null,null,null,null,"Servicing Ratio",null,null,"(DSR)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Fail",null,null,{"$f":"IFERROR('Serviceability Calc'!J24,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"SMSF + Member Level Servicing  DSR must be >1.10"]
[]
[]
[null,null,null,"I, the Introducer, confirm that reasonable enquiries about the member(s) current and ongoing financial situation have been undertaken and are reflected in the figures entered into this calculation. The member(s) have been given sufficient time to consider the declared monthly living expenses amount which has been derived following due consideration."]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Version Control'!I1","v":"V1.2 240206"}]

{"sheet":"HEM","index":3,"n_rows":56,"n_cols":18,"rows_kept":56,"cut":false,"hidden":true,"merged":[[18,3,18,4]]}
["Income Range ($)","Single Adult","Single Adult +1","Single Adult +2","Single Adult +3","Single Adult +4","Single Adult +5","Single Adult +6","Couple","Couple +1","Couple +2","Couple +3","Couple +4","Couple +5","Couple +6"]
["0 - 25,000",1274,1791,2268,2819,3277,4003,4724,2469,2942,3253,3685,4276,4646,5016]
["25,001 - 38,000",1327,1791,2268,2819,3277,4003,4724,2469,2942,3253,3685,4276,4646,5016]
["38,001 - 50,000",1401,1864,2342,2819,3277,4003,4724,2543,2942,3253,3685,4276,4646,5016]
["50,001 - 63,000",1488,1953,2430,2907,3366,4003,4724,2631,3031,3342,3685,4276,4646,5016]
["63,001 - 75,000",1653,2118,2596,3073,3533,4003,4724,2797,3198,3509,3854,4276,4646,5016]
["75,001 - 100,000",1899,2366,2843,3320,3782,4253,4724,3044,3446,3759,4105,4529,4900,5271]
["100,001 - 125,000",2250,2719,3196,3673,4138,4611,5083,3397,3802,4115,4465,4890,5263,5636]
["125,001 - 150,000",2553,3024,3500,3977,4445,4918,5391,3702,4108,4422,4775,5200,5575,5949]
["150,001 - 175,000",2935,3408,3884,4360,4833,5307,5781,4086,4494,4809,5166,5593,5969,6346]
["175,001 - 200,000",3129,3604,4080,4556,5030,5505,5980,4282,4691,5006,5365,5792,6170,6547]
["200,001 - 251,000",3321,3797,4272,4748,5224,5700,6175,4474,4885,5201,5562,5989,6367,6746]
["251,001 - 313,000",3847,4326,4801,5276,5757,6234,6712,5003,5416,5734,6100,6528,6910,7291]
["313,000 - 376,000",4338,4820,5295,5769,6255,6734,7213,5497,5913,6232,6603,7033,7417,7800]
["376,001 - 626,000",4621,5105,5579,6054,6542,7022,7502,5782,6200,6519,6893,7323,7709,8094]
[]
[]
[]
["Income Range lookup","Row Offset Value",null,"Dependents/Household Number",null,1,2,3,4,5,6,7]
[25001,1,null,0,null,0,7,13,13,13,13,13]
[38001,2,null,1,null,1,8,13,13,13,13,13]
[50001,3,null,2,null,2,9,13,13,13,13,13]
[63001,4,null,3,null,3,10,13,13,13,13,13]
[75001,5,null,4,null,4,11,13,13,13,13,13]
[100001,6,null,5,null,5,12,13,13,13,13,13]
[125001,7,null,6,null,6,13,13,13,13,13,13]
[150001,8,null,7,null,13,13,13,13,13,13,13]
[175001,9,null,8,null,13,13,13,13,13,13,13]
[200001,10,null,9,null,13,13,13,13,13,13,13]
[251001,11,null,10,null,13,13,13,13,13,13,13]
[313001,12,null,11,null,13,13,13,13,13,13,13]
[376001,13,null,12,null,13,13,13,13,13,13,13]
[]
[]
[]
[]
[]
[]
[null,null,null,"Household 1",null,null,null,"Household 2"]
[null,null,null,"Gross Income",null,{"$f":"IF(EXACT(Serviceability!E13,D39),Serviceability!I13,0)+IF(EXACT(Serviceability!E14, D39),Serviceability!I14,0)+IF(EXACT(Serviceability!E15, D39),Serviceability!I15,0)+IF(EXACT(Serviceability!E16, D39),Serviceability!I16,0)+IF(EXACT(Serviceability!H19, D39),Serviceability!N19*12,0)+IF(EXACT(Serviceability!H20, D39),Serviceability!N20*12,0)+IF(EXACT(Serviceability!H21, D39),Serviceability!N21*12,0)+IF(EXACT(Serviceability!H22, D39),Serviceability!N22*12,0)","v":0},null,"Gross Income",null,{"$f":"IF(EXACT(Serviceability!E13, H39),Serviceability!I13,0)+IF(EXACT(Serviceability!E14,H39),Serviceability!I14,0)+IF(EXACT(Serviceability!E15,H39),Serviceability!I15,0)+IF(EXACT(Serviceability!E16,H39),Serviceability!I16,0)+IF(EXACT(Serviceability!H19, H39),Serviceability!N19*12,0)+IF(EXACT(Serviceability!H20, H39),Serviceability!N20*12,0)+IF(EXACT(Serviceability!H21, H39),Serviceability!N21*12,0)+IF(EXACT(Serviceability!H22, H39),Serviceability!N22*12,0)","v":0}]
[null,null,null,"Single/Couple",null,{"$f":"+Serviceability!$I$42","v":0},null,"Single/Couple",null,{"$f":"Serviceability!I44","v":0}]
[null,null,null,"Dependents",null,{"$f":"+Serviceability!$I$43","v":0},null,"Dependents",null,{"$f":"Serviceability!I45","v":0}]
[null,null,null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(F40,HEM!$A$20:$B$32,2,TRUE),0)","v":0},null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(J40,HEM!$A$20:$B$32,2,TRUE),0)","v":0}]
[null,null,null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,F42,F41)","v":0},null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,J42,J41)","v":0}]
[null,null,null,"HEM Starting Value",null,{"$f":"OFFSET(B2,0,0)","v":1274},null,"HEM Starting Value",null,{"$f":"OFFSET(F2,0,0)","v":3277}]
[null,null,null,"HEM Min Living Expense",null,{"$f":"IF(F40=0, 0, OFFSET($B$2,F43,F44))","v":0},null,"HEM Min Living Expense",null,{"$f":"IF(J40=0,0,OFFSET($B$2,J43,J44))","v":0}]
[]
[]
[null,null,null,"Household 1",null,null,null,"Household 2",null,null,null,"Household 3",null,null,null,"Household 4"]
[null,null,null,"Gross Income",null,{"$f":"IF(EXACT('Member Serviceability Calc'!E13,D49),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E13, D49),'Member Serviceability Calc'!P19*12,0)+IF(EXACT('Member Serviceability Calc'!E14,D49),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E14, D49),'Member Serviceability Calc'!P20*12,0)+IF(EXACT('Member Serviceability Calc'!E15,D49),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E15, D49),'Member Serviceability Calc'!P21*12,0)+IF(EXACT('Member Serviceability Calc'!E16,D49),'Member Serviceability Calc'!K16,0)+IF(EXACT('Member Serviceability Calc'!E16, D49),'Member Serviceability Calc'!P22*12,0)","v":0},null,"Gross Income",null,{"$f":"IF(EXACT('Member Serviceability Calc'!E13,H49),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E13, H49),'Member Serviceability Calc'!P19*12,0)+IF(EXACT('Member Serviceability Calc'!E14,H49),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E14, H49),'Member Serviceability Calc'!P20*12,0)+IF(EXACT('Member Serviceability Calc'!E15,H49),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E15, H49),'Member Serviceability Calc'!P21*12,0)+IF(EXACT('Member Serviceability Calc'!E16,H49),'Member Serviceability Calc'!K16,0)+IF(EXACT('Member Serviceability Calc'!E16, H49),'Member Serviceability Calc'!P22*12,0)","v":0},null,"Gross Income",null,{"$f":"IF(EXACT('Member Serviceability Calc'!E13,L49),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E13, L49),'Member Serviceability Calc'!P19*12,0)+IF(EXACT('Member Serviceability Calc'!E14,L49),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E14, L49),'Member Serviceability Calc'!P20*12,0)+IF(EXACT('Member Serviceability Calc'!E15,L49),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E15, L49),'Member Serviceability Calc'!P21*12,0)+IF(EXACT('Member Serviceability Calc'!E16,L49),'Member Serviceability Calc'!K16,0)+IF(EXACT('Member Serviceability Calc'!E16, L49),'Member Serviceability Calc'!P22*12,0)","v":0},null,"Gross Income",null,{"$f":"IF(EXACT('Member Serviceability Calc'!E13,P49),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E13, P49),'Member Serviceability Calc'!P19*12,0)+IF(EXACT('Member Serviceability Calc'!E14,P49),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E14, P49),'Member Serviceability Calc'!P20*12,0)+IF(EXACT('Member Serviceability Calc'!E15,P49),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E15, P49),'Member Serviceability Calc'!P21*12,0)+IF(EXACT('Member Serviceability Calc'!E16,P49),'Member Serviceability Calc'!K16,0)+IF(EXACT('Member Serviceability Calc'!E16, P49),'Member Serviceability Calc'!P22*12,0)","v":0}]
[null,null,null,"Single/Couple",null,{"$f":"+'Member Serviceability Calc'!N51","v":0},null,"Single/Couple",null,{"$f":"+'Member Serviceability Calc'!N54","v":0},null,"Single/Couple",null,{"$f":"+'Member Serviceability Calc'!N57","v":0},null,"Single/Couple",null,{"$f":"+'Member Serviceability Calc'!N60","v":0}]
[null,null,null,"Dependents",null,{"$f":"+'Member Serviceability Calc'!N52","v":0},null,"Dependents",null,{"$f":"+'Member Serviceability Calc'!N55","v":0},null,"Dependents",null,{"$f":"+'Member Serviceability Calc'!N58","v":0},null,"Dependents",null,{"$f":"+'Member Serviceability Calc'!N61","v":0}]
[null,null,null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(F50,HEM!$A$20:$B$32,2,TRUE),0)","v":0},null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(J50,HEM!$A$20:$B$32,2,TRUE),0)","v":0},null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(N50,HEM!$A$20:$B$32,2,TRUE),0)","v":0},null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(R50,HEM!$A$20:$B$32,2,TRUE),0)","v":0}]
[null,null,null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,F52,F51)","v":0},null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,J52,J51)","v":0},null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,N52,N51)","v":0},null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,R52,R51)","v":0}]
[null,null,null,"HEM Starting Value",null,{"$f":"OFFSET(B2,0,0)","v":1274},null,"HEM Starting Value",null,{"$f":"OFFSET(B2,0,0)","v":1274},null,"HEM Starting Value",null,{"$f":"OFFSET(J12,0,0)","v":4885},null,"HEM Starting Value",null,{"$f":"OFFSET(N12,0,0)","v":6367}]
[null,null,null,"HEM Min Living Expense",null,{"$f":"IF(F50=0, 0, OFFSET($B$2,F53,F54))","v":0},null,"HEM Min Living Expense",null,{"$f":"IF(J50=0,0,OFFSET($B$2,J53,J54))","v":0},null,"HEM Min Living Expense",null,{"$f":"IF(N50=0, 0, OFFSET($B$2,N53,N54))","v":0},null,"HEM Min Living Expense",null,{"$f":"IF(R50=0,0,OFFSET($B$2,R53,R54))","v":0}]

{"sheet":"Tables","index":4,"n_rows":410,"n_cols":15,"rows_kept":410,"cut":false,"hidden":true,"merged":[[70,5,70,6],[70,1,70,2],[70,7,70,8],[329,1,329,2],[338,1,338,2]]}
[]
["Tax"]
[null,null,null,null,null,null,"Flood Levy"]
["Wages Over","Not to Exceed","Tax Rate",null,null,null,"Taxable income","Flood levy on this income"]
[0,18200,0,null,null,null,"$0 to $50,000","Nil",0,50000,0]
[{"$f":"B5+1","v":18201},45000,0.19,{"$f":"D5+C5*(B5-A5)","v":0},null,null,"$50,001 to $100,000","Half a cent for each $1 over $50,000",50001,100000,0,{"$f":"(J6-J5)*K6","v":0}]
[{"$f":"B6+1","v":45001},120000,0.32500000000000001,{"$f":"ROUNDUP(D6+C6*(B6-A6),0)","v":5092},null,null,"Over $100,000","$250 plus 1c for each $1 over $100,000",{"$f":"J6+1","v":100001},null,0]
[{"$f":"B7+1","v":120001},180000,0.37,{"$f":"ROUNDUP(D7+C7*(B7-A7),0)","v":29467}]
[{"$f":"B8+1","v":180001},null,0.45,{"$f":"ROUNDUP(D8+C8*(B8-A8),0)","v":51667}]
[null,null,null,null,null,null,"                        "]
[null,null,null,null,null,null,"   "]
["Medicare Levy"]
[null,null,null,null,null,null,"Taxable income","Tax on this income"]
[0,16284,0,null,"not currently used",null,"0 - $18,200","Nil"]
[16284,17604,0.2,null,null,null,"$18,201 - $37,000","19c for each $1 over $18,200"]
["17604+",null,0.02,null,null,null,"$37,001 - $90,000","$3,572 plus 32.5c for each $1 over $37,000"]
[null,null,null,null,null,null,"$90,001 - $180,000","$17,547 plus 37c for each $1 over $87,000"]
[null,null,null,null,null,null,"$180,001 and over","$54,547 plus 45c for each $1 over $180,000"]
[]
["Company Tax"]
[]
["Rate",0.25]
[]
[]
[]
[]
[]
["APR Buffer",0.02]
["Minimum Rate",7.0000000000000007E-2]
[]
["RedZed Loan Applied For: Repayment With Buffer",null,"Buffered %","Minimum %","Rate %","Buffer %","Buffered %","Total Term","Interest Only Term","Net Term","Amount"]
["Buffered Loan 1",{"$f":"IF(Serviceability!J56=0,0,-PMT((D32)/12,J32*12,Serviceability!I56))","v":0},{"$f":"G32","v":0.02},{"$f":"IF(C32>=$B$29,C32,$B$29)","v":7.0000000000000007E-2},{"$f":"Serviceability!L56","v":0},{"$f":"$B$28","v":0.02},{"$f":"E32+F32","v":0.02},{"$f":"Serviceability!J56","v":0},{"$f":"Serviceability!K56","v":0},{"$f":"H32-I32","v":0},{"$f":"Serviceability!I56","v":0}]
["Buffered Loan 2",{"$f":"IF(Serviceability!J57=0,0,-PMT((D33)/12,J33*12,Serviceability!I57))","v":0},{"$f":"G33","v":0.02},{"$f":"IF(C33>=$B$29,C33,$B$29)","v":7.0000000000000007E-2},{"$f":"Serviceability!L57","v":0},{"$f":"$B$28","v":0.02},{"$f":"E33+F33","v":0.02},{"$f":"Serviceability!J57","v":0},{"$f":"Serviceability!K57","v":0},{"$f":"H33-I33","v":0}]
["Buffered Loan 3",{"$f":"IF(Serviceability!J58=0,0,-PMT((D34)/12,J34*12,Serviceability!I58))","v":0},{"$f":"G34","v":0.02},{"$f":"IF(C34>=$B$29,C34,$B$29)","v":7.0000000000000007E-2},{"$f":"Serviceability!L58","v":0},{"$f":"$B$28","v":0.02},{"$f":"E34+F34","v":0.02},{"$f":"Serviceability!J58","v":0},{"$f":"Serviceability!K58","v":0},{"$f":"H34-I34","v":0},{"$f":"Serviceability!I58","v":0}]
[]
[]
["Existing Loan: Repayment With Buffer"]
["Buffered Loan 1",0.2,{"$f":"Serviceability!N61*(1+Tables!B38)","v":0},null,null,null,{"$f":"Serviceability!N61","v":0},{"$f":"Serviceability!E61","v":"Loan 1 - Existing Secured"}]
["Buffered Loan 2",0.2,{"$f":"Serviceability!N62*(1+Tables!B39)","v":0},null,null,null,{"$f":"Serviceability!N62","v":0},{"$f":"Serviceability!E62","v":"Loan 2 - Existing Secured"}]
[]
[]
["Additional Fees for Serviceability",null,null,null,null,null," "]
["Fees - Loan 1",15,{"$f":"IF(Serviceability!N56=0,0,15)","v":0},"Monthly Account Keeping Fee Resi",null,null," "]
["Fees - Loan 2",15,{"$f":"IF(Serviceability!N57=0,0,15)","v":0},"Monthly Account Keeping Fee Resi"]
["Fees - Loan 3",15,{"$f":"IF(Serviceability!N58=0,0,15)","v":0},"Monthly Account Keeping Fee Resi",null,null," "]
[]
[]
[]
["Column1","Single Adult","Single Adult + 1 Dependant","Single Adult + 2 Dependants","Single Adult + 3 Dependants","Single Adult + 4 Dependants","Single Adult + 5 Dependants","Single Adult + 6 Dependants","Couple","Couple + 1 Dependant","Couple + 2 Dependants","Couple + 3 Dependants","Couple + 4 Dependants","Couple + 5 Dependants","Couple + 6 Dependants"]
["Income Range ($)","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark"]
["0 - 25,000",1246.5050547384237,1761.0688925857628,2255.3025482941084,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2447.200867667158,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["25,001 - 37,000",1320.6466052239521,1761.0688925857628,2255.3025482941084,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2447.200867667158,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["37,001 - 50,000",1380.5597213573076,1820.8842099373542,2314.9551756254536,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2507.0258961193608,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["50,001 - 62,000",1466.3036433738177,1906.4882631421463,2400.3262078262619,2894.1641525103782,3310.502850093912,3937.5862058293342,4637.3500285334849,2592.6438472621767,2971.2413137403259,3286.5632405480574,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["62,001 - 74,000",1634.0598745678028,2073.9709031349662,2567.3528286067826,3060.7347540785991,3476.8809395770277,3937.5862058293342,4637.3500285334849,2760.153678296349,3138.5929258425149,3454.1049333448577,3726.296512070548,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["74,001 - 99,000",1876.1007094717995,2315.6170484221802,2808.3410810980185,3301.0651137738573,3716.9335888462565,4177.1418086898711,4637.3500285334849,3001.8390551739508,3380.049728767206,3695.8361782229681,3968.4311213462952,4398.3811758520114,4747.5167060215263,5096.6522361910411]
["99,001 - 124,000",2222.4084292266793,2661.3597380836291,3153.1425502841012,3644.9253624845733,4060.3960031888464,4519.8928966793883,4979.3897901699293,3347.6378766456723,3725.5216829610022,4041.7010969632884,4314.8731669478175,4744.0741165232539,5093.1831764926501,5442.2922364620445]
["124,001 - 149,000",2544.1571794374081,2982.5839149568619,3473.4920995208759,3964.4002840848898,4379.5019311400947,4838.3381190657656,5297.1743069914373,3668.91420471426,4046.4943237053517,4363.0385311699474,4636.7468002736769,5065.251734588137,5414.3361170566059,5763.4204995250748]
["149,001 - 173,000",2926.8578081765631,3364.6602768729904,3854.5283208601013,4344.3963648472118,4759.0585778588911,5217.108770279473,5675.1589627000549,4051.0525972632772,4428.2714988978969,4745.2497813392083,5019.5957461903008,5447.2728772387345,5796.3279472325994,6145.3830172264634]
["173,001 - 198,000",3117.7129784684748,3555.2040812404211,4044.5531209983474,4533.9021607562736,4948.3452915344515,5406.0033698009447,5863.6614480674398,4241.6274970921595,4618.6661771555473,4935.8605746352696,5210.5249232483939,5637.7888671637429,5986.8292096816385,6335.8695521995342]
["198,001 - 248,000",3328.0959179254583,3765.2440454566727,4254.0214016520258,4742.7987578473794,5157.0005615278651,5614.2267224284669,6071.4528833290688,4451.7013209793922,4828.5415083165835,5145.9748077075428,5420.9895219906393,5847.7986512527468,6196.8229838210855,6545.8473163894232]
["248,001 - 309,000",3876.2403718827786,4312.4945532694555,4799.7818347261318,5287.069116182809,5700.6419197605974,6156.7423067300515,6612.8426936995056,4999.040435067559,5375.3632486162487,5693.4181613042774,5969.3463659335393,6394.9697510085043,6743.9520799937409,7092.9344089789774]
["309,000 - 371,000",4402.16314196648,4837.5595406948823,5323.4174684073414,5809.2753961198005,6222.2444486330669,6677.2647752997127,7132.2851019663594,5524.1908279373829,5900.0172416467431,6218.6685678903996,6495.4732306455799,6919.9589407221838,7268.900968918384,7617.8429971145852]
["371,001 - 619,000",4582.9735823084211,5018.0750783077838,5503.4413841831893,5988.8076900585938,6401.5692705574938,6856.2181926197618,7310.8671146820298,5704.7356725008331,6080.3914257040806,6399.247796815187,6676.3537827689352,7100.4483642116666,7449.3765371393747,7798.3047100670829]
[" "]
[]
[]
[]
[]
["Household 1"]
["Household 2","Monthly Income",null,null,null,"Other Income",null,"Company"]
[]
[null,"Household 1","Household 2",null,null,"Household 1","Household 2",null,"Always Household 1"]
["Applicant / Guarantor 1",{"$f":"IF(EXACT(Serviceability!E13, \"Household 1\"),Serviceability!I13,0)","v":0},{"$f":"IF(EXACT(Serviceability!E13, \"Household 2\"),Serviceability!I13,0)","v":0},null,"Applicant / Guarantor 1",{"$f":"IF(EXACT(Serviceability!H19, \"Household 1\"),Serviceability!N19,0)","v":0},{"$f":"IF(EXACT(Serviceability!H19, \"Household 2\"),Serviceability!N19,0)","v":0},"Applicant / Guarantor 1",{"$f":"Serviceability!I30","v":0}]
["Applicant / Guarantor 2",{"$f":"IF(EXACT(Serviceability!E14, \"Household 1\"),Serviceability!I14,0)","v":0},{"$f":"IF(EXACT(Serviceability!E14, \"Household 2\"),Serviceability!I14,0)","v":0},null,"Applicant / Guarantor 2",{"$f":"IF(EXACT(Serviceability!H20, \"Household 1\"),Serviceability!N20,0)","v":0},{"$f":"IF(EXACT(Serviceability!H20, \"Household 2\"),Serviceability!N20,0)","v":0}]
["Applicant / Guarantor 3",{"$f":"IF(EXACT(Serviceability!E15, \"Household 1\"),Serviceability!I15,0)","v":0},{"$f":"IF(EXACT(Serviceability!E15, \"Household 2\"),Serviceability!I15,0)","v":0},null,"Applicant / Guarantor 3",{"$f":"IF(EXACT(Serviceability!H21, \"Household 1\"),Serviceability!N21,0)","v":0},{"$f":"IF(EXACT(Serviceability!H21, \"Household 2\"),Serviceability!N21,0)","v":0}]
["Applicant / Guarantor 4",{"$f":"IF(EXACT(Serviceability!E16, \"Household 1\"),Serviceability!I16,0)","v":0},{"$f":"IF(EXACT(Serviceability!E16, \"Household 2\"),Serviceability!I16,0)","v":0},null,"Applicant / Guarantor 4",{"$f":"IF(EXACT(Serviceability!H22, \"Household 1\"),Serviceability!N22,0)","v":0},{"$f":"IF(EXACT(Serviceability!H22, \"Household 2\"),Serviceability!N22,0)","v":0}]
["Applicant Totals",{"$f":"SUM(B74:B77,F78,I74)","v":0},{"$f":"SUM(C74:C77,G78)","v":0},null,"Applicant Totals",{"$f":"SUM(F74:F77)*12","v":0},{"$f":"SUM(G74:G77)*12","v":0}]
[]
["Adults - household","",{"$f":"IF(C78<=59999,\"test\",IF(B3>93,\"A\",IF(B3>89,\"A-\",IF(B3>87,\"B+\",IF(B3>83,\"B\",IF(B3>79,\"B-\", IF(B3>77,\"C+\",IF(B3>73,\"C\",IF(B3>69,\"C-\",IF(B3>57,\"D+\",IF(B3>53,\"D\",IF(B3>49,\"D-\",\"\"))))))))))))","v":"test"}]
["Adults - household - new",{"$error":"#REF!"}]
["Dependant children - household"]
[]
["Adult",{"$f":"Serviceability!I42","v":0},{"$f":"Serviceability!I44","v":0},null,{"$f":"IF(Serviceability!I42>2, \"Please call 1300 722 462 for assistance with calculation \",\" \")","v":" "},null,null,null,null,null,null,null,null,"offset amount"]
["Dependent ",{"$f":"Serviceability!I43","v":0},{"$f":"Serviceability!I45","v":0},null,{"$f":"IF(Serviceability!I44>2, \"Please call 1300 722 462 for assistance with calculation \",\" \")","v":" "}]
[null,{"$f":"\"Adult-\" & B84 & \",Dependents-\" & B85","v":"Adult-0,Dependents-0"},{"$f":"\"Adult-\" & C84 & \",Dependents-\" & C85","v":"Adult-0,Dependents-0"}]
[]
["LookupKey","Household","Income Range","Living Expense"]
[{"$f":"B89 & \":\" & C89","v":"Adult-1,Dependents-0:0 - 25,000"},"Adult-1,Dependents-0","0 - 25,000",1246.5050547384237]
[{"$f":"B90 & \":\" & C90","v":"Adult-1,Dependents-0:25,001 - 37,000"},"Adult-1,Dependents-0","25,001 - 37,000",1320.6466052239521]
["Adult-1,Dependents-0:37,001 - 50,000","Adult-1,Dependents-0","37,001 - 50,000",1380.5597213573076]
["Adult-1,Dependents-0:50,001 - 62,000","Adult-1,Dependents-0","50,001 - 62,000",1466.3036433738177]
["Adult-1,Dependents-0:62,001 - 74,000","Adult-1,Dependents-0","62,001 - 74,000",1634.0598745678028]
["Adult-1,Dependents-0:74,001 - 99,000","Adult-1,Dependents-0","74,001 - 99,000",1876.1007094717995]
["Adult-1,Dependents-0:99,001 - 124,000","Adult-1,Dependents-0","99,001 - 124,000",2222.4084292266793]
["Adult-1,Dependents-0:124,001 - 149,000","Adult-1,Dependents-0","124,001 - 149,000",2544.1571794374081]
["Adult-1,Dependents-0:149,001 - 173,000","Adult-1,Dependents-0","149,001 - 173,000",2926.8578081765631]
["Adult-1,Dependents-0:173,001 - 198,000","Adult-1,Dependents-0","173,001 - 198,000",3117.7129784684748]
["Adult-1,Dependents-0:198,001 - 248,000","Adult-1,Dependents-0","198,001 - 248,000",3328.0959179254583]
["Adult-1,Dependents-0:248,001 - 309,000","Adult-1,Dependents-0","248,001 - 309,000",3876.2403718827786]
["Adult-1,Dependents-0:309,000 - 371,000","Adult-1,Dependents-0","309,000 - 371,000",4402.16314196648]
["Adult-1,Dependents-0:371,001 - 619,000","Adult-1,Dependents-0","371,001 - 619,000",4582.9735823084211]
[]
["Adult-1,Dependents-1:0 - 25,000","Adult-1,Dependents-1","0 - 25,000",1761.0688925857628]
["Adult-1,Dependents-1:25,001 - 37,000","Adult-1,Dependents-1","25,001 - 37,000",1761.0688925857628]
["Adult-1,Dependents-1:37,001 - 50,000","Adult-1,Dependents-1","37,001 - 50,000",1820.8842099373542]
["Adult-1,Dependents-1:50,001 - 62,000","Adult-1,Dependents-1","50,001 - 62,000",1906.4882631421463]
["Adult-1,Dependents-1:62,001 - 74,000","Adult-1,Dependents-1","62,001 - 74,000",2073.9709031349662]
["Adult-1,Dependents-1:74,001 - 99,000","Adult-1,Dependents-1","74,001 - 99,000",2315.6170484221802]
["Adult-1,Dependents-1:99,001 - 124,000","Adult-1,Dependents-1","99,001 - 124,000",2661.3597380836291]
["Adult-1,Dependents-1:124,001 - 149,000","Adult-1,Dependents-1","124,001 - 149,000",2982.5839149568619]
["Adult-1,Dependents-1:149,001 - 173,000","Adult-1,Dependents-1","149,001 - 173,000",3364.6602768729904]
["Adult-1,Dependents-1:173,001 - 198,000","Adult-1,Dependents-1","173,001 - 198,000",3555.2040812404211]
["Adult-1,Dependents-1:198,001 - 248,000","Adult-1,Dependents-1","198,001 - 248,000",3765.2440454566727]
["Adult-1,Dependents-1:248,001 - 309,000","Adult-1,Dependents-1","248,001 - 309,000",4312.4945532694555]
["Adult-1,Dependents-1:309,000 - 371,000","Adult-1,Dependents-1","309,000 - 371,000",4837.5595406948823]
["Adult-1,Dependents-1:371,001 - 619,000","Adult-1,Dependents-1","371,001 - 619,000",5018.0750783077838]
[]
[{"$f":"B119 & \":\" & C119","v":"Adult-1,Dependents-2:0 - 25,000"},"Adult-1,Dependents-2","0 - 25,000",2255.3025482941084]
["Adult-1,Dependents-2:25,001 - 37,000","Adult-1,Dependents-2","25,001 - 37,000",2255.3025482941084]
["Adult-1,Dependents-2:37,001 - 50,000","Adult-1,Dependents-2","37,001 - 50,000",2314.9551756254536]
["Adult-1,Dependents-2:50,001 - 62,000","Adult-1,Dependents-2","50,001 - 62,000",2400.3262078262619]
["Adult-1,Dependents-2:62,001 - 74,000","Adult-1,Dependents-2","62,001 - 74,000",2567.3528286067826]
["Adult-1,Dependents-2:74,001 - 99,000","Adult-1,Dependents-2","74,001 - 99,000",2808.3410810980185]
["Adult-1,Dependents-2:99,001 - 124,000","Adult-1,Dependents-2","99,001 - 124,000",3153.1425502841012]
["Adult-1,Dependents-2:124,001 - 149,000","Adult-1,Dependents-2","124,001 - 149,000",3473.4920995208759]
["Adult-1,Dependents-2:149,001 - 173,000","Adult-1,Dependents-2","149,001 - 173,000",3854.5283208601013]
["Adult-1,Dependents-2:173,001 - 198,000","Adult-1,Dependents-2","173,001 - 198,000",4044.5531209983474]
["Adult-1,Dependents-2:198,001 - 248,000","Adult-1,Dependents-2","198,001 - 248,000",4254.0214016520258]
["Adult-1,Dependents-2:248,001 - 309,000","Adult-1,Dependents-2","248,001 - 309,000",4799.7818347261318]
["Adult-1,Dependents-2:309,000 - 371,000","Adult-1,Dependents-2","309,000 - 371,000",5323.4174684073414]
["Adult-1,Dependents-2:371,001 - 619,000","Adult-1,Dependents-2","371,001 - 619,000",5503.4413841831893]
[]
[{"$f":"B134 & \":\" & C134","v":"Adult-1,Dependents-3:0 - 25,000"},"Adult-1,Dependents-3","0 - 25,000",2809.0261413135536]
["Adult-1,Dependents-3:25,001 - 37,000","Adult-1,Dependents-3","25,001 - 37,000",2809.0261413135536]
["Adult-1,Dependents-3:37,001 - 50,000","Adult-1,Dependents-3","37,001 - 50,000",2809.0261413135536]
["Adult-1,Dependents-3:50,001 - 62,000","Adult-1,Dependents-3","50,001 - 62,000",2894.1641525103782]
["Adult-1,Dependents-3:62,001 - 74,000","Adult-1,Dependents-3","62,001 - 74,000",3060.7347540785991]
["Adult-1,Dependents-3:74,001 - 99,000","Adult-1,Dependents-3","74,001 - 99,000",3301.0651137738573]
["Adult-1,Dependents-3:99,001 - 124,000","Adult-1,Dependents-3","99,001 - 124,000",3644.9253624845733]
["Adult-1,Dependents-3:124,001 - 149,000","Adult-1,Dependents-3","124,001 - 149,000",3964.4002840848898]
["Adult-1,Dependents-3:149,001 - 173,000","Adult-1,Dependents-3","149,001 - 173,000",4344.3963648472118]
["Adult-1,Dependents-3:173,001 - 198,000","Adult-1,Dependents-3","173,001 - 198,000",4533.9021607562736]
["Adult-1,Dependents-3:198,001 - 248,000","Adult-1,Dependents-3","198,001 - 248,000",4742.7987578473794]
["Adult-1,Dependents-3:248,001 - 309,000","Adult-1,Dependents-3","248,001 - 309,000",5287.069116182809]
["Adult-1,Dependents-3:309,000 - 371,000","Adult-1,Dependents-3","309,000 - 371,000",5809.2753961198005]
["Adult-1,Dependents-3:371,001 - 619,000","Adult-1,Dependents-3","371,001 - 619,000",5988.8076900585938]
[]
[]
[{"$f":"B150 & \":\" & C150","v":"Adult-1,Dependents-4:0 - 25,000"},"Adult-1,Dependents-4","0 - 25,000",3225.4633067344653]
["Adult-1,Dependents-4:25,001 - 37,000","Adult-1,Dependents-4","25,001 - 37,000",3225.4633067344653]
["Adult-1,Dependents-4:37,001 - 50,000","Adult-1,Dependents-4","37,001 - 50,000",3225.4633067344653]
["Adult-1,Dependents-4:50,001 - 62,000","Adult-1,Dependents-4","50,001 - 62,000",3310.502850093912]
["Adult-1,Dependents-4:62,001 - 74,000","Adult-1,Dependents-4","62,001 - 74,000",3476.8809395770277]
["Adult-1,Dependents-4:74,001 - 99,000","Adult-1,Dependents-4","74,001 - 99,000",3716.9335888462565]
["Adult-1,Dependents-4:99,001 - 124,000","Adult-1,Dependents-4","99,001 - 124,000",4060.3960031888464]
["Adult-1,Dependents-4:124,001 - 149,000","Adult-1,Dependents-4","124,001 - 149,000",4379.5019311400947]
["Adult-1,Dependents-4:149,001 - 173,000","Adult-1,Dependents-4","149,001 - 173,000",4759.0585778588911]
["Adult-1,Dependents-4:173,001 - 198,000","Adult-1,Dependents-4","173,001 - 198,000",4948.3452915344515]
["Adult-1,Dependents-4:198,001 - 248,000","Adult-1,Dependents-4","198,001 - 248,000",5157.0005615278651]
["Adult-1,Dependents-4:248,001 - 309,000","Adult-1,Dependents-4","248,001 - 309,000",5700.6419197605974]
["Adult-1,Dependents-4:309,000 - 371,000","Adult-1,Dependents-4","309,000 - 371,000",6222.2444486330669]
["Adult-1,Dependents-4:371,001 - 619,000","Adult-1,Dependents-4","371,001 - 619,000",6401.5692705574938]
[]
[{"$f":"B165 & \":\" & C165","v":"Adult-1,Dependents-5:0 - 25,000"},"Adult-1,Dependents-5","0 - 25,000",3937.5862058293342]
["Adult-1,Dependents-5:25,001 - 37,000","Adult-1,Dependents-5","25,001 - 37,000",3937.5862058293342]
["Adult-1,Dependents-5:37,001 - 50,000","Adult-1,Dependents-5","37,001 - 50,000",3937.5862058293342]
["Adult-1,Dependents-5:50,001 - 62,000","Adult-1,Dependents-5","50,001 - 62,000",3937.5862058293342]
["Adult-1,Dependents-5:62,001 - 74,000","Adult-1,Dependents-5","62,001 - 74,000",3937.5862058293342]
["Adult-1,Dependents-5:74,001 - 99,000","Adult-1,Dependents-5","74,001 - 99,000",4177.1418086898711]
["Adult-1,Dependents-5:99,001 - 124,000","Adult-1,Dependents-5","99,001 - 124,000",4519.8928966793883]
["Adult-1,Dependents-5:124,001 - 149,000","Adult-1,Dependents-5","124,001 - 149,000",4838.3381190657656]
["Adult-1,Dependents-5:149,001 - 173,000","Adult-1,Dependents-5","149,001 - 173,000",5217.108770279473]
["Adult-1,Dependents-5:173,001 - 198,000","Adult-1,Dependents-5","173,001 - 198,000",5406.0033698009447]
["Adult-1,Dependents-5:198,001 - 248,000","Adult-1,Dependents-5","198,001 - 248,000",5614.2267224284669]
["Adult-1,Dependents-5:248,001 - 309,000","Adult-1,Dependents-5","248,001 - 309,000",6156.7423067300515]
["Adult-1,Dependents-5:309,000 - 371,000","Adult-1,Dependents-5","309,000 - 371,000",6677.2647752997127]
["Adult-1,Dependents-5:371,001 - 619,000","Adult-1,Dependents-5","371,001 - 619,000",6856.2181926197618]
[]
[{"$f":"B180 & \":\" & C180","v":"Adult-1,Dependents-6:0 - 25,000"},"Adult-1,Dependents-6","0 - 25,000",4637.3500285334849]
["Adult-1,Dependents-6:25,001 - 37,000","Adult-1,Dependents-6","25,001 - 37,000",4637.3500285334849]
["Adult-1,Dependents-6:37,001 - 50,000","Adult-1,Dependents-6","37,001 - 50,000",4637.3500285334849]
["Adult-1,Dependents-6:50,001 - 62,000","Adult-1,Dependents-6","50,001 - 62,000",4637.3500285334849]
["Adult-1,Dependents-6:62,001 - 74,000","Adult-1,Dependents-6","62,001 - 74,000",4637.3500285334849]
["Adult-1,Dependents-6:74,001 - 99,000","Adult-1,Dependents-6","74,001 - 99,000",4637.3500285334849]
["Adult-1,Dependents-6:99,001 - 124,000","Adult-1,Dependents-6","99,001 - 124,000",4979.3897901699293]
["Adult-1,Dependents-6:124,001 - 149,000","Adult-1,Dependents-6","124,001 - 149,000",5297.1743069914373]
["Adult-1,Dependents-6:149,001 - 173,000","Adult-1,Dependents-6","149,001 - 173,000",5675.1589627000549]
["Adult-1,Dependents-6:173,001 - 198,000","Adult-1,Dependents-6","173,001 - 198,000",5863.6614480674398]
["Adult-1,Dependents-6:198,001 - 248,000","Adult-1,Dependents-6","198,001 - 248,000",6071.4528833290688]
["Adult-1,Dependents-6:248,001 - 309,000","Adult-1,Dependents-6","248,001 - 309,000",6612.8426936995056]
["Adult-1,Dependents-6:309,000 - 371,000","Adult-1,Dependents-6","309,000 - 371,000",7132.2851019663594]
["Adult-1,Dependents-6:371,001 - 619,000","Adult-1,Dependents-6","371,001 - 619,000",7310.8671146820298]
[]
[{"$f":"B195 & \":\" & C195","v":"Adult-2,Dependents-0:0 - 25,000"},"Adult-2,Dependents-0","0 - 25,000",2447.200867667158]
[{"$f":"B196 & \":\" & C196","v":"Adult-2,Dependents-0:25,001 - 37,000"},"Adult-2,Dependents-0","25,001 - 37,000",2447.200867667158]
["Adult-2,Dependents-0:37,001 - 50,000","Adult-2,Dependents-0","37,001 - 50,000",2507.0258961193608]
["Adult-2,Dependents-0:50,001 - 62,000","Adult-2,Dependents-0","50,001 - 62,000",2592.6438472621767]
["Adult-2,Dependents-0:62,001 - 74,000","Adult-2,Dependents-0","62,001 - 74,000",2760.153678296349]
["Adult-2,Dependents-0:74,001 - 99,000","Adult-2,Dependents-0","74,001 - 99,000",3001.8390551739508]
["Adult-2,Dependents-0:99,001 - 124,000","Adult-2,Dependents-0","99,001 - 124,000",3347.6378766456723]
["Adult-2,Dependents-0:124,001 - 149,000","Adult-2,Dependents-0","124,001 - 149,000",3668.91420471426]
["Adult-2,Dependents-0:149,001 - 173,000","Adult-2,Dependents-0","149,001 - 173,000",4051.0525972632772]
["Adult-2,Dependents-0:173,001 - 198,000","Adult-2,Dependents-0","173,001 - 198,000",4241.6274970921595]
["Adult-2,Dependents-0:198,001 - 248,000","Adult-2,Dependents-0","198,001 - 248,000",4451.7013209793922]
["Adult-2,Dependents-0:248,001 - 309,000","Adult-2,Dependents-0","248,001 - 309,000",4999.040435067559]
["Adult-2,Dependents-0:309,000 - 371,000","Adult-2,Dependents-0","309,000 - 371,000",5524.1908279373829]
["Adult-2,Dependents-0:371,001 - 619,000","Adult-2,Dependents-0","371,001 - 619,000",5704.7356725008331]
[]
[{"$f":"B210 & \":\" & C210","v":"Adult-2,Dependents-1:0 - 25,000"},"Adult-2,Dependents-1","0 - 25,000",2885.7044133911295]
["Adult-2,Dependents-1:25,001 - 37,000","Adult-2,Dependents-1","25,001 - 37,000",2885.7044133911295]
["Adult-2,Dependents-1:37,001 - 50,000","Adult-2,Dependents-1","37,001 - 50,000",2885.7044133911295]
["Adult-2,Dependents-1:50,001 - 62,000","Adult-2,Dependents-1","50,001 - 62,000",2971.2413137403259]
["Adult-2,Dependents-1:62,001 - 74,000","Adult-2,Dependents-1","62,001 - 74,000",3138.5929258425149]
["Adult-2,Dependents-1:74,001 - 99,000","Adult-2,Dependents-1","74,001 - 99,000",3380.049728767206]
["Adult-2,Dependents-1:99,001 - 124,000","Adult-2,Dependents-1","99,001 - 124,000",3725.5216829610022]
["Adult-2,Dependents-1:124,001 - 149,000","Adult-2,Dependents-1","124,001 - 149,000",4046.4943237053517]
["Adult-2,Dependents-1:149,001 - 173,000","Adult-2,Dependents-1","149,001 - 173,000",4428.2714988978969]
["Adult-2,Dependents-1:173,001 - 198,000","Adult-2,Dependents-1","173,001 - 198,000",4618.6661771555473]
["Adult-2,Dependents-1:198,001 - 248,000","Adult-2,Dependents-1","198,001 - 248,000",4828.5415083165835]
["Adult-2,Dependents-1:248,001 - 309,000","Adult-2,Dependents-1","248,001 - 309,000",5375.3632486162487]
["Adult-2,Dependents-1:309,000 - 371,000","Adult-2,Dependents-1","309,000 - 371,000",5900.0172416467431]
["Adult-2,Dependents-1:371,001 - 619,000","Adult-2,Dependents-1","371,001 - 619,000",6080.3914257040806]
[]
[{"$f":"B225 & \":\" & C225","v":"Adult-2,Dependents-2:0 - 25,000"},"Adult-2,Dependents-2","0 - 25,000",3200.9289836581793]
["Adult-2,Dependents-2:25,001 - 37,000","Adult-2,Dependents-2","25,001 - 37,000",3200.9289836581793]
["Adult-2,Dependents-2:37,001 - 50,000","Adult-2,Dependents-2","37,001 - 50,000",3200.9289836581793]
["Adult-2,Dependents-2:50,001 - 62,000","Adult-2,Dependents-2","50,001 - 62,000",3286.5632405480574]
["Adult-2,Dependents-2:62,001 - 74,000","Adult-2,Dependents-2","62,001 - 74,000",3454.1049333448577]
["Adult-2,Dependents-2:74,001 - 99,000","Adult-2,Dependents-2","74,001 - 99,000",3695.8361782229681]
["Adult-2,Dependents-2:99,001 - 124,000","Adult-2,Dependents-2","99,001 - 124,000",4041.7010969632884]
["Adult-2,Dependents-2:124,001 - 149,000","Adult-2,Dependents-2","124,001 - 149,000",4363.0385311699474]
["Adult-2,Dependents-2:149,001 - 173,000","Adult-2,Dependents-2","149,001 - 173,000",4745.2497813392083]
["Adult-2,Dependents-2:173,001 - 198,000","Adult-2,Dependents-2","173,001 - 198,000",4935.8605746352696]
["Adult-2,Dependents-2:198,001 - 248,000","Adult-2,Dependents-2","198,001 - 248,000",5145.9748077075428]
["Adult-2,Dependents-2:248,001 - 309,000","Adult-2,Dependents-2","248,001 - 309,000",5693.4181613042774]
["Adult-2,Dependents-2:309,000 - 371,000","Adult-2,Dependents-2","309,000 - 371,000",6218.6685678903996]
["Adult-2,Dependents-2:371,001 - 619,000","Adult-2,Dependents-2","371,001 - 619,000",6399.247796815187]
[]
[{"$f":"B240 & \":\" & C240","v":"Adult-2,Dependents-3:0 - 25,000"},"Adult-2,Dependents-3","0 - 25,000",3558.4752511358852]
["Adult-2,Dependents-3:25,001 - 37,000","Adult-2,Dependents-3","25,001 - 37,000",3558.4752511358852]
["Adult-2,Dependents-3:37,001 - 50,000","Adult-2,Dependents-3","37,001 - 50,000",3558.4752511358852]
["Adult-2,Dependents-3:50,001 - 62,000","Adult-2,Dependents-3","50,001 - 62,000",3558.4752511358852]
["Adult-2,Dependents-3:62,001 - 74,000","Adult-2,Dependents-3","62,001 - 74,000",3726.296512070548]
["Adult-2,Dependents-3:74,001 - 99,000","Adult-2,Dependents-3","74,001 - 99,000",3968.4311213462952]
["Adult-2,Dependents-3:99,001 - 124,000","Adult-2,Dependents-3","99,001 - 124,000",4314.8731669478175]
["Adult-2,Dependents-3:124,001 - 149,000","Adult-2,Dependents-3","124,001 - 149,000",4636.7468002736769]
["Adult-2,Dependents-3:149,001 - 173,000","Adult-2,Dependents-3","149,001 - 173,000",5019.5957461903008]
["Adult-2,Dependents-3:173,001 - 198,000","Adult-2,Dependents-3","173,001 - 198,000",5210.5249232483939]
["Adult-2,Dependents-3:198,001 - 248,000","Adult-2,Dependents-3","198,001 - 248,000",5420.9895219906393]
["Adult-2,Dependents-3:248,001 - 309,000","Adult-2,Dependents-3","248,001 - 309,000",5969.3463659335393]
["Adult-2,Dependents-3:309,000 - 371,000","Adult-2,Dependents-3","309,000 - 371,000",6495.4732306455799]
["Adult-2,Dependents-3:371,001 - 619,000","Adult-2,Dependents-3","371,001 - 619,000",6676.3537827689352]
[]
[]
[{"$f":"B256 & \":\" & C256","v":"Adult-2,Dependents-4:0 - 25,000"},"Adult-2,Dependents-4","0 - 25,000",4156.7703267343313]
["Adult-2,Dependents-4:25,001 - 37,000","Adult-2,Dependents-4","25,001 - 37,000",4156.7703267343313]
["Adult-2,Dependents-4:37,001 - 50,000","Adult-2,Dependents-4","37,001 - 50,000",4156.7703267343313]
["Adult-2,Dependents-4:50,001 - 62,000","Adult-2,Dependents-4","50,001 - 62,000",4156.7703267343313]
["Adult-2,Dependents-4:62,001 - 74,000","Adult-2,Dependents-4","62,001 - 74,000",4156.7703267343313]
["Adult-2,Dependents-4:74,001 - 99,000","Adult-2,Dependents-4","74,001 - 99,000",4398.3811758520114]
["Adult-2,Dependents-4:99,001 - 124,000","Adult-2,Dependents-4","99,001 - 124,000",4744.0741165232539]
["Adult-2,Dependents-4:124,001 - 149,000","Adult-2,Dependents-4","124,001 - 149,000",5065.251734588137]
["Adult-2,Dependents-4:149,001 - 173,000","Adult-2,Dependents-4","149,001 - 173,000",5447.2728772387345]
["Adult-2,Dependents-4:173,001 - 198,000","Adult-2,Dependents-4","173,001 - 198,000",5637.7888671637429]
["Adult-2,Dependents-4:198,001 - 248,000","Adult-2,Dependents-4","198,001 - 248,000",5847.7986512527468]
["Adult-2,Dependents-4:248,001 - 309,000","Adult-2,Dependents-4","248,001 - 309,000",6394.9697510085043]
["Adult-2,Dependents-4:309,000 - 371,000","Adult-2,Dependents-4","309,000 - 371,000",6919.9589407221838]
["Adult-2,Dependents-4:371,001 - 619,000","Adult-2,Dependents-4","371,001 - 619,000",7100.4483642116666]
[]
[{"$f":"B271 & \":\" & C271","v":"Adult-2,Dependents-5:0 - 25,000"},"Adult-2,Dependents-5","0 - 25,000",4505.9244888438261]
["Adult-2,Dependents-5:25,001 - 37,000","Adult-2,Dependents-5","25,001 - 37,000",4505.9244888438261]
["Adult-2,Dependents-5:37,001 - 50,000","Adult-2,Dependents-5","37,001 - 50,000",4505.9244888438261]
["Adult-2,Dependents-5:50,001 - 62,000","Adult-2,Dependents-5","50,001 - 62,000",4505.9244888438261]
["Adult-2,Dependents-5:62,001 - 74,000","Adult-2,Dependents-5","62,001 - 74,000",4505.9244888438261]
["Adult-2,Dependents-5:74,001 - 99,000","Adult-2,Dependents-5","74,001 - 99,000",4747.5167060215263]
["Adult-2,Dependents-5:99,001 - 124,000","Adult-2,Dependents-5","99,001 - 124,000",5093.1831764926501]
["Adult-2,Dependents-5:124,001 - 149,000","Adult-2,Dependents-5","124,001 - 149,000",5414.3361170566059]
["Adult-2,Dependents-5:149,001 - 173,000","Adult-2,Dependents-5","149,001 - 173,000",5796.3279472325994]
["Adult-2,Dependents-5:173,001 - 198,000","Adult-2,Dependents-5","173,001 - 198,000",5986.8292096816385]
["Adult-2,Dependents-5:198,001 - 248,000","Adult-2,Dependents-5","198,001 - 248,000",6196.8229838210855]
["Adult-2,Dependents-5:248,001 - 309,000","Adult-2,Dependents-5","248,001 - 309,000",6743.9520799937409]
["Adult-2,Dependents-5:309,000 - 371,000","Adult-2,Dependents-5","309,000 - 371,000",7268.900968918384]
["Adult-2,Dependents-5:371,001 - 619,000","Adult-2,Dependents-5","371,001 - 619,000",7449.3765371393747]
[]
[{"$f":"B286 & \":\" & C286","v":"Adult-2,Dependents-6:0 - 25,000"},"Adult-2,Dependents-6","0 - 25,000",4855.0786509533227]
["Adult-2,Dependents-6:25,001 - 37,000","Adult-2,Dependents-6","25,001 - 37,000",4855.0786509533227]
["Adult-2,Dependents-6:37,001 - 50,000","Adult-2,Dependents-6","37,001 - 50,000",4855.0786509533227]
["Adult-2,Dependents-6:50,001 - 62,000","Adult-2,Dependents-6","50,001 - 62,000",4855.0786509533227]
["Adult-2,Dependents-6:62,001 - 74,000","Adult-2,Dependents-6","62,001 - 74,000",4855.0786509533227]
["Adult-2,Dependents-6:74,001 - 99,000","Adult-2,Dependents-6","74,001 - 99,000",5096.6522361910411]
["Adult-2,Dependents-6:99,001 - 124,000","Adult-2,Dependents-6","99,001 - 124,000",5442.2922364620445]
["Adult-2,Dependents-6:124,001 - 149,000","Adult-2,Dependents-6","124,001 - 149,000",5763.4204995250748]
["Adult-2,Dependents-6:149,001 - 173,000","Adult-2,Dependents-6","149,001 - 173,000",6145.3830172264634]
["Adult-2,Dependents-6:173,001 - 198,000","Adult-2,Dependents-6","173,001 - 198,000",6335.8695521995342]
["Adult-2,Dependents-6:198,001 - 248,000","Adult-2,Dependents-6","198,001 - 248,000",6545.8473163894232]
["Adult-2,Dependents-6:248,001 - 309,000","Adult-2,Dependents-6","248,001 - 309,000",7092.9344089789774]
["Adult-2,Dependents-6:309,000 - 371,000","Adult-2,Dependents-6","309,000 - 371,000",7617.8429971145852]
["Adult-2,Dependents-6:371,001 - 619,000","Adult-2,Dependents-6","371,001 - 619,000",7798.3047100670829]
[]
[]
[null,"Household 1","Household 2"]
["Household Key",{"$f":"B86","v":"Adult-0,Dependents-0"},{"$f":"C86","v":"Adult-0,Dependents-0"}]
["Salary Key",{"$f":"IF(B78<=0,\"0-25000\",IF(B78<=25000,\"0-25000\",IF(B78<=37000,\"25001-37000\",IF(B78<=50000,\"37001-50000\",IF(B78<=62000,\"50001-62000\",IF(B78<=74000,\"62001-74000\",IF(B78<=99000,\"74001-99000\",IF(B78<=124000,\"99001-124000\",IF(B78<=149000,\"124001-149000\",IF(B78<=173000,\"149001-173000\",IF(B78<=198000,\"173001-198000\",IF(B78<=248000,\"198001-248000\",IF(B78<=309000,\"248001-309000\",IF(B78<=371000,\"309001-371000\",IF(B78>371000,\"371001-619000\",FALSE)))))))))))))))","v":"0-25000"},{"$f":"IF(C78<=0,\"0-25000\",IF(C78<=25000,\"0-25000\",IF(C78<=37000,\"25001-37000\",IF(C78<=50000,\"37001-50000\",IF(C78<=62000,\"50001-62000\",IF(C78<=74000,\"62001-74000\",IF(C78<=99000,\"74001-99000\",IF(C78<=124000,\"99001-124000\",IF(C78<=149000,\"124001-149000\",IF(C78<=173000,\"149001-173000\",IF(C78<=198000,\"173001-198000\",IF(C78<=248000,\"198001-248000\",IF(C78<=309000,\"248001-309000\",IF(C78<=371000,\"309001-371000\",IF(C78>371000,\"371001-619000\",FALSE)))))))))))))))","v":"0-25000"}]
["Household Living Expense",{"$f":"HEM!F46","v":0},{"$f":"HEM!J46","v":0}]
[]
[]
[]
[]
["Monthly expense",{"$f":"MAX(SUM(B305:C305),Serviceability!I39)","v":0}]
[]
[]
["Avaiable Income",{"$f":"Serviceability!N32-Tables!B310","v":849.33333333333326}]
[]
[]
[]
[]
[]
["RedZed Loan Applied For Loan1",{"$f":"IF(Serviceability!J56=0,0,IF(Serviceability!L56=0,0,-PMT((Serviceability!L56)/12,(Serviceability!J56-Serviceability!K56)*12,Serviceability!I56)))","v":0}]
["RedZed Loan Applied For Loan2",{"$f":"IF(Serviceability!J57=0,0,IF(Serviceability!L57=0,0,-PMT((Serviceability!L57)/12,(Serviceability!J57-Serviceability!K57)*12,Serviceability!I57)))","v":0}]
["RedZed Loan Applied For Loan3",{"$f":"IF(Serviceability!J58=0,0,IF(Serviceability!L58=0,0,-PMT((Serviceability!L58)/12,(Serviceability!J58-Serviceability!K58)*12,Serviceability!I58)))","v":0}]
[]
[]
["Super Resi",{"$f":"IF('SMSF Serviceability Calculator'!G10>=1,\"Household 1\",\"Household 1\")","v":"Household 1"},{"$f":"_xlfn.UNIQUE(_xlfn._xlws.FILTER(B324:B327,B324:B327<>\"\"))","v":"Household 1"},{"$f":"C324","v":"Household 1"},"Alt Doc",1,"Yes",{"$f":"IF('SMSF Serviceability Calculator'!E8 = 0, \"\",'SMSF Serviceability Calculator'!E8)","v":" "}]
["Super Commercial",{"$f":"IF('SMSF Serviceability Calculator'!G10>=2,\"Household 2\",\"\")","v":""},null,{"$f":" C325","v":0},"Full Doc",2,"No"]
[null,{"$f":"IF('SMSF Serviceability Calculator'!G10>=3,\"Household 3\",\"\")","v":""},null,{"$f":" C326","v":0},null,3]
[null,{"$f":"IF('SMSF Serviceability Calculator'!G10>=4,\"Household 4\",\"\")","v":""},null,{"$f":" C327","v":0},null,4]
[]
[]
[null,"Monthly Income"]
[]
[null,"Household 1","Household 2","Household 3","Household 4"]
["Annual",{"$f":" IF(EXACT('Member Serviceability Calc'!E13, \"Household 1\"),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 1\"),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 1\"),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 1\"),'Member Serviceability Calc'!K16,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 2\"),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 2\"),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 2\"),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 2\"),'Member Serviceability Calc'!K16,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 3\"),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 3\"),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 3\"),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 3\"),'Member Serviceability Calc'!K16,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 4\"),'Member Serviceability Calc'!K13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 4\"),'Member Serviceability Calc'!K14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 4\"),'Member Serviceability Calc'!K15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 4\"),'Member Serviceability Calc'!K16,0)","v":0}]
["Monthly",{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 1\"),'Member Serviceability Calc'!P13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 1\"),'Member Serviceability Calc'!P14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 1\"),'Member Serviceability Calc'!P15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 1\"),'Member Serviceability Calc'!P16,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 2\"),'Member Serviceability Calc'!P13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 2\"),'Member Serviceability Calc'!P14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 2\"),'Member Serviceability Calc'!P15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 2\"),'Member Serviceability Calc'!P16,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 3\"),'Member Serviceability Calc'!P13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 3\"),'Member Serviceability Calc'!P14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 3\"),'Member Serviceability Calc'!P15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 3\"),'Member Serviceability Calc'!P16,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 4\"),'Member Serviceability Calc'!P13,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 4\"),'Member Serviceability Calc'!P14,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 4\"),'Member Serviceability Calc'!P15,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 4\"),'Member Serviceability Calc'!P16,0)","v":0}]
["Member / Guarantor 3",{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0}]
["Member / Guarantor 4",{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0}]
["Annual Totals",{"$f":"SUM(B333,B346,I333)","v":0},{"$f":"SUM(C333,C346)","v":0},{"$f":"SUM(D333,D346)","v":0},{"$f":"SUM(E333,E346)","v":0}]
["Month Totals",{"$f":"B334+B342","v":0},{"$f":"C334+C342","v":0},{"$f":"D334+D342","v":0},{"$f":"E334+E342","v":0}]
[null,"Other Income"]
[]
[null,"Household 1","Household 2","Household 3","Household 4"]
["Monthly",{"$f":" IF(EXACT('Member Serviceability Calc'!E13, \"Household 1\"),'Member Serviceability Calc'!P19,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 1\"),'Member Serviceability Calc'!P20,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 1\"),'Member Serviceability Calc'!P21,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 1\"),'Member Serviceability Calc'!P22,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 2\"),'Member Serviceability Calc'!P19,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 2\"),'Member Serviceability Calc'!P20,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 2\"),'Member Serviceability Calc'!P21,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 2\"),'Member Serviceability Calc'!P22,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 3\"),'Member Serviceability Calc'!P19,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 3\"),'Member Serviceability Calc'!P20,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 3\"),'Member Serviceability Calc'!P21,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 3\"),'Member Serviceability Calc'!P22,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!E13, \"Household 4\"),'Member Serviceability Calc'!P19,0)+IF(EXACT('Member Serviceability Calc'!E14, \"Household 4\"),'Member Serviceability Calc'!P20,0)+IF(EXACT('Member Serviceability Calc'!E15, \"Household 4\"),'Member Serviceability Calc'!P21,0)+IF(EXACT('Member Serviceability Calc'!E16, \"Household 4\"),'Member Serviceability Calc'!P22,0)","v":0}]
["Applicant / Guarantor 2",{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0}]
["Applicant / Guarantor 3",{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0}]
["Applicant / Guarantor 4",{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0},{"$f":"0","v":0}]
["Applicant Totals",{"$f":"SUM(B342:B345)*12","v":0},{"$f":"SUM(C342:C345)*12","v":0},{"$f":"SUM(D342:D345)*12","v":0},{"$f":"SUM(E342:E345)*12","v":0}]
[]
["Adult",{"$f":"'Member Serviceability Calc'!N51","v":0},{"$f":"'Member Serviceability Calc'!N54","v":0},{"$f":"'Member Serviceability Calc'!N57","v":0},{"$f":"'Member Serviceability Calc'!N60","v":0}]
["Dependent ",{"$f":"'Member Serviceability Calc'!N52","v":0},{"$f":"'Member Serviceability Calc'!N55","v":0},{"$f":"'Member Serviceability Calc'!N58","v":0},{"$f":"'Member Serviceability Calc'!N61","v":0}]
[null,{"$f":"\"Adult-\" & B348 & \",Dependents-\" & B349","v":"Adult-0,Dependents-0"},{"$f":"\"Adult-\" & C348 & \",Dependents-\" & C349","v":"Adult-0,Dependents-0"},{"$f":"\"Adult-\" & D348 & \",Dependents-\" & D349","v":"Adult-0,Dependents-0"},{"$f":"\"Adult-\" & E348 & \",Dependents-\" & E349","v":"Adult-0,Dependents-0"}]
[]
[]
[null,"Household 1","Household 2","Household 3","Household 4"]
["Household Key",{"$f":"B350","v":"Adult-0,Dependents-0"},{"$f":"C350","v":"Adult-0,Dependents-0"},{"$f":"D350","v":"Adult-0,Dependents-0"},{"$f":"E350","v":"Adult-0,Dependents-0"}]
["Salary Key",{"$f":"IF(B337<=0,\"0-25000\",IF(B337<=25000,\"0-25000\",IF(B337<=38000,\"25001-38000\",IF(B337<=50000,\"38001-50000\",IF(B337<=63000,\"50001-63000\",IF(B337<=75000,\"63001-75000\",IF(B337<=100000,\"75001-100000\",IF(B337<=125000,\"100001-125000\",IF(B337<=150000,\"125001-150000\",IF(B337<=175000,\"150001-175000\",IF(B337<=200000,\"175001-200000\",IF(B337<=251000,\"200001-251000\",IF(B337<=313000,\"251001-313000\",IF(B337<=376000,\"313001-376000\",IF(B337>376000,\"376001-626000\",FALSE)))))))))))))))","v":"0-25000"},{"$f":"IF(C337<=0,\"0-25000\",IF(C337<=25000,\"0-25000\",IF(C337<=38000,\"25001-38000\",IF(C337<=50000,\"38001-50000\",IF(C337<=63000,\"50001-63000\",IF(C337<=75000,\"63001-75000\",IF(C337<=100000,\"75001-100000\",IF(C337<=125000,\"100001-125000\",IF(C337<=150000,\"125001-150000\",IF(C337<=175000,\"150001-175000\",IF(C337<=200000,\"175001-200000\",IF(C337<=251000,\"200001-251000\",IF(C337<=313000,\"251001-313000\",IF(C337<=376000,\"313001-376000\",IF(C337>376000,\"376001-626000\",FALSE)))))))))))))))","v":"0-25000"},{"$f":"IF(D337<=0,\"0-25000\",IF(D337<=25000,\"0-25000\",IF(D337<=38000,\"25001-38000\",IF(D337<=50000,\"38001-50000\",IF(D337<=63000,\"50001-63000\",IF(D337<=75000,\"63001-75000\",IF(D337<=100000,\"75001-100000\",IF(D337<=125000,\"100001-125000\",IF(D337<=150000,\"125001-150000\",IF(D337<=175000,\"150001-175000\",IF(D337<=200000,\"175001-200000\",IF(D337<=251000,\"200001-251000\",IF(D337<=313000,\"251001-313000\",IF(D337<=376000,\"313001-376000\",IF(D337>376000,\"376001-626000\",FALSE)))))))))))))))","v":"0-25000"},{"$f":"IF(E337<=0,\"0-25000\",IF(E337<=25000,\"0-25000\",IF(E337<=38000,\"25001-38000\",IF(E337<=50000,\"38001-50000\",IF(E337<=63000,\"50001-63000\",IF(E337<=75000,\"63001-75000\",IF(E337<=100000,\"75001-100000\",IF(E337<=125000,\"100001-125000\",IF(E337<=150000,\"125001-150000\",IF(E337<=175000,\"150001-175000\",IF(E337<=200000,\"175001-200000\",IF(E337<=251000,\"200001-251000\",IF(E337<=313000,\"251001-313000\",IF(E337<=376000,\"313001-376000\",IF(E337>376000,\"376001-626000\",FALSE)))))))))))))))","v":"0-25000"}]
["Household Living Expense",{"$f":"HEM!F56","v":0},{"$f":"HEM!J56","v":0},{"$f":"HEM!N56","v":0},{"$f":"HEM!R56","v":0}]
[]
[]
[]
[]
["Monthly expense",{"$f":"MAX(SUM(B356),'Member Serviceability Calc'!I52)","v":0},{"$f":"MAX(SUM(C356),'Member Serviceability Calc'!I55)","v":0},{"$f":"MAX(SUM(D356),'Member Serviceability Calc'!I58)","v":0},{"$f":"MAX(SUM(E356),'Member Serviceability Calc'!I61)","v":0}]
[]
[]
["Avaiable Income",{"$f":"'Member Serviceability Calc'!P41-Tables!B361","v":0},{"$f":"'Member Serviceability Calc'!P42-Tables!C361","v":0},{"$f":"'Member Serviceability Calc'!P43-Tables!D361","v":0},{"$f":"'Member Serviceability Calc'!P44-Tables!E361","v":0}]
[null,{"$f":"B364","v":0},{"$f":"C364","v":0},{"$f":"D364","v":0},{"$f":"E364","v":0}]
[null,{"$f":"SUM('Member Serviceability Calc'!P75:P77)*(1+B401)+SUM('Member Serviceability Calc'!P78:P87)","v":0},{"$f":"SUM('Member Serviceability Calc'!P93:P95)*(1+B401)+SUM('Member Serviceability Calc'!P96:P105)","v":0},{"$f":"SUM('Member Serviceability Calc'!P111:P113)*(1+B401)+SUM('Member Serviceability Calc'!P114:P123)","v":0},{"$f":"SUM('Member Serviceability Calc'!P129:P131)*(1+B401)+SUM('Member Serviceability Calc'!P132:P141)","v":0}]
["Total Monthly Surplus Funds ",{"$f":"IF(B365-B366<0,0,B365-B366)","v":0},{"$f":"IF(C365-C366<0,0,C365-C366)","v":0},{"$f":"IF(D365-D366<0,0,D365-D366)","v":0},{"$f":"IF(E365-E366<0,0,E365-E366)","v":0}]
[]
["Proposed Contrbution ",{"$f":"IF(EXACT('Member Serviceability Calc'!I149, \"Household 1\"),'Member Serviceability Calc'!P149,0)+IF(EXACT('Member Serviceability Calc'!I150, \"Household 1\"),'Member Serviceability Calc'!P150,0)+IF(EXACT('Member Serviceability Calc'!I151, \"Household 1\"),'Member Serviceability Calc'!P151,0)+IF(EXACT('Member Serviceability Calc'!I152, \"Household 1\"),'Member Serviceability Calc'!P152,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!I149, \"Household 2\"),'Member Serviceability Calc'!P149,0)+IF(EXACT('Member Serviceability Calc'!I150, \"Household 2\"),'Member Serviceability Calc'!P150,0)+IF(EXACT('Member Serviceability Calc'!I151, \"Household 2\"),'Member Serviceability Calc'!P151,0)+IF(EXACT('Member Serviceability Calc'!I152, \"Household 2\"),'Member Serviceability Calc'!P152,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!I149, \"Household 3\"),'Member Serviceability Calc'!P149,0)+IF(EXACT('Member Serviceability Calc'!I150, \"Household 3\"),'Member Serviceability Calc'!P150,0)+IF(EXACT('Member Serviceability Calc'!I151, \"Household 3\"),'Member Serviceability Calc'!P151,0)+IF(EXACT('Member Serviceability Calc'!I152, \"Household 3\"),'Member Serviceability Calc'!P152,0)","v":0},{"$f":"IF(EXACT('Member Serviceability Calc'!I149, \"Household 4\"),'Member Serviceability Calc'!P149,0)+IF(EXACT('Member Serviceability Calc'!I150, \"Household 4\"),'Member Serviceability Calc'!P150,0)+IF(EXACT('Member Serviceability Calc'!I151, \"Household 4\"),'Member Serviceability Calc'!P151,0)+IF(EXACT('Member Serviceability Calc'!I152, \"Household 4\"),'Member Serviceability Calc'!P152,0)","v":0}]
["Alt Doc",{"$f":"OR(IF(EXACT('Member Serviceability Calc'!E13, \"Household 1\"),IF(EXACT('Member Serviceability Calc'!I13, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E14, \"Household 1\"),IF(EXACT('Member Serviceability Calc'!I14, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E15, \"Household 1\"),IF(EXACT('Member Serviceability Calc'!I15, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E16, \"Household 1\"),IF(EXACT('Member Serviceability Calc'!I16, \"Alt Doc\"),TRUE,FALSE),FALSE))","v":false},{"$f":"OR(IF(EXACT('Member Serviceability Calc'!E13, \"Household 2\"),IF(EXACT('Member Serviceability Calc'!I13, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E14, \"Household 2\"),IF(EXACT('Member Serviceability Calc'!I14, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E15, \"Household 2\"),IF(EXACT('Member Serviceability Calc'!I15, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E16, \"Household 2\"),IF(EXACT('Member Serviceability Calc'!I16, \"Alt Doc\"),TRUE,FALSE),FALSE))","v":false},{"$f":"OR(IF(EXACT('Member Serviceability Calc'!E13, \"Household 3\"),IF(EXACT('Member Serviceability Calc'!I13, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E14, \"Household 3\"),IF(EXACT('Member Serviceability Calc'!I14, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E15, \"Household 3\"),IF(EXACT('Member Serviceability Calc'!I15, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E16, \"Household 3\"),IF(EXACT('Member Serviceability Calc'!I16, \"Alt Doc\"),TRUE,FALSE),FALSE))","v":false},{"$f":"OR(IF(EXACT('Member Serviceability Calc'!E13, \"Household 4\"),IF(EXACT('Member Serviceability Calc'!I13, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E14, \"Household 4\"),IF(EXACT('Member Serviceability Calc'!I14, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E15, \"Household 4\"),IF(EXACT('Member Serviceability Calc'!I15, \"Alt Doc\"),TRUE,FALSE),FALSE),IF(EXACT('Member Serviceability Calc'!E16, \"Household 4\"),IF(EXACT('Member Serviceability Calc'!I16, \"Alt Doc\"),TRUE,FALSE),FALSE))","v":false}]
["Smaller ",{"$f":"MIN(Tables!B369,Tables!B367)","v":0},{"$f":"MIN(Tables!C369,Tables!C367)","v":0},{"$f":"MIN(Tables!D369,Tables!D367)","v":0},{"$f":"MIN(Tables!E369,Tables!E367)","v":0},null,{"$f":"'SMSF Serviceability Calculator'!N30","v":0}]
["P+TMNI",{"$f":"(B371+G371)*0.25","v":0},{"$f":"(C371+G371)*0.25","v":0},{"$f":"(D371+G371)*0.25","v":0},{"$f":"(E371+G371)*0.25","v":0}]
["Member Contribution ",{"$f":"IF(B370,IF(B371>B372,B372,B371),B371)","v":0},{"$f":"IF(C370,IF(C371>C372,C372,C371),C371)","v":0},{"$f":"IF(D370,IF(D371>D372,D372,D371),D371)","v":0},{"$f":"IF(E370,IF(E371>E372,E372,E371),E371)","v":0}]
[null,{"$f":"IF(B373<0,0,B373)","v":0},{"$f":"IF(C373<0,0,C373)","v":0},{"$f":"IF(D373<0,0,D373)","v":0},{"$f":"IF(E373<0,0,E373)","v":0}]
[]
[]
[]
["Tax",null,null,"Member 1 ","Member 2","Member 3","Member 4"]
[]
["Personal Contribution Over","Not to Exceed","Tax Rate"]
[0,27500,0.15,{"$f":"IF('SMSF Serviceability Calculator'!I17 <= B381,'SMSF Serviceability Calculator'!I17*(1-C381),B381*(1-C381))","v":0},{"$f":"IF('SMSF Serviceability Calculator'!I18 <= B381,'SMSF Serviceability Calculator'!I18*(1-C381),B381*(1-C381))","v":0},{"$f":"IF('SMSF Serviceability Calculator'!I19 <= B381,'SMSF Serviceability Calculator'!I19*(1-C381),B381*(1-C381))","v":0},{"$f":"IF('SMSF Serviceability Calculator'!I20 <= B381,'SMSF Serviceability Calculator'!I20*(1-C381),B381*(1-C381))","v":0}]
[{"$f":"B381+1","v":27501},null,0.45,{"$f":"IF('SMSF Serviceability Calculator'!I17 > B381,('SMSF Serviceability Calculator'!I17-B381)*(1-C382),0)","v":0},{"$f":"IF('SMSF Serviceability Calculator'!I18 > B381,('SMSF Serviceability Calculator'!I18-B381)*(1-C382),0)","v":0},{"$f":"IF('SMSF Serviceability Calculator'!I19 > B381,('SMSF Serviceability Calculator'!I19-B381)*(1-C382),0)","v":0},{"$f":"IF('SMSF Serviceability Calculator'!I20 > B381,('SMSF Serviceability Calculator'!I20-B381)*(1-C382),0)","v":0}]
[null,null,null,{"$f":"D381+D382","v":0},{"$f":"E381+E382","v":0},{"$f":"F381+F382","v":0},{"$f":"G381+G382","v":0}]
[null,null,null,{"$f":"D383/12","v":0},{"$f":"E383/12","v":0},{"$f":"F383/12","v":0},{"$f":"G383/12","v":0}]
[]
[]
["RedZed Loan Applied For Loan1",{"$f":"IF('SMSF Serviceability Calculator'!J51=0,0,IF('SMSF Serviceability Calculator'!L51=0,0,-PMT(('SMSF Serviceability Calculator'!L51)/12,('SMSF Serviceability Calculator'!J51-'SMSF Serviceability Calculator'!K51)*12,'SMSF Serviceability Calculator'!I51)))","v":0}]
[]
[]
[]
["APR Buffer",0.02]
["Minimum Rate",7.0000000000000007E-2]
[]
["RedZed Loan Applied For: Repayment With Buffer",null,"Buffered %","Minimum %","Rate %","Buffer %","Buffered %","Total Term","Interest Only Term","Net Term","Amount"]
["Buffered Loan 1",{"$f":"IF('SMSF Serviceability Calculator'!J51=0,0,-PMT((D395)/12,J395*12,'SMSF Serviceability Calculator'!I51))","v":0},{"$f":"G395","v":0.02},{"$f":"IF(C395>=$B$29,C395,$B$29)","v":7.0000000000000007E-2},{"$f":"'SMSF Serviceability Calculator'!L51","v":0},{"$f":"$B$28","v":0.02},{"$f":"E395+F395","v":0.02},{"$f":"'SMSF Serviceability Calculator'!J51","v":0},{"$f":"'SMSF Serviceability Calculator'!K51","v":0},{"$f":"H395-I395","v":0},{"$f":"'SMSF Serviceability Calculator'!I51","v":0}]
["Buffered Loan 2",{"$f":"IF(Serviceability!J420=0,0,-PMT((D396)/12,J396*12,Serviceability!I420))","v":0},{"$f":"G396","v":0.02},{"$f":"IF(C396>=$B$29,C396,$B$29)","v":7.0000000000000007E-2},{"$f":"Serviceability!L420","v":0},{"$f":"$B$28","v":0.02},{"$f":"E396+F396","v":0.02},{"$f":"Serviceability!J420","v":0},{"$f":"Serviceability!K420","v":0},{"$f":"H396-I396","v":0}]
["Buffered Loan 3",{"$f":"IF(Serviceability!J421=0,0,-PMT((D397)/12,J397*12,Serviceability!I421))","v":0},{"$f":"G397","v":0.02},{"$f":"IF(C397>=$B$29,C397,$B$29)","v":7.0000000000000007E-2},{"$f":"Serviceability!L421","v":0},{"$f":"$B$28","v":0.02},{"$f":"E397+F397","v":0.02},{"$f":"Serviceability!J421","v":0},{"$f":"Serviceability!K421","v":0},{"$f":"H397-I397","v":0},{"$f":"Serviceability!I421","v":0}]
[]
[]
["Existing Loan: Repayment With Buffer"]
["Buffered Loan 1",0.2,{"$f":"'SMSF Serviceability Calculator'!N55*(1+B401)","v":0}]
["Buffered Loan 2",0.2,{"$f":"'SMSF Serviceability Calculator'!N56*(1+B402)","v":0}]
["Buffered Loan 3",0.2,{"$f":"'SMSF Serviceability Calculator'!N57*(1+B403)","v":0}]
["Buffered Other Loan/Liability Limits if any",0.2,{"$f":"'SMSF Serviceability Calculator'!N60*(1+B403)","v":0}]
[]
[]
[]
[]
["Additional Fees for Serviceability"]
["Fees - Loan 1",15,{"$f":"IF('SMSF Serviceability Calculator'!N51=0,0,15)","v":0},"Monthly Account Keeping Fee Resi"]

{"sheet":"Serviceability Calc","index":5,"n_rows":26,"n_cols":11,"rows_kept":26,"cut":false,"hidden":true,"merged":[[0,0,0,1]]}
["Serviceability Cell Calculation"]
[]
[null,{"$f":"Serviceability!D50&\" (After Tax Rates Applied)\"","v":"Available Income (After Tax Rates Applied)"},{"$f":"Serviceability!N50","v":849.33333333333326},null,null,{"$f":"'SMSF Serviceability Calculator'!D45&\" (After Tax Rates Applied)\"","v":"Available Income (After Tax Rates Applied)"},{"$f":"'SMSF Serviceability Calculator'!N45","v":-166.66666666666666},null,null,"Household 1",{"$f":"'SMSF Serviceability Calculator'!N80","v":0}]
[null,"Divided by",null,null,null,"Divided by",null,null,null,"Household 2",{"$f":"'SMSF Serviceability Calculator'!N81","v":0}]
[null,{"$f":"Serviceability!D73","v":"Total Monthly Commitments"},{"$f":"SUM(Serviceability!N56:N72)","v":0},null,null,{"$f":"'SMSF Serviceability Calculator'!D64","v":"Total Monthly Commitments"},{"$f":"'SMSF Serviceability Calculator'!N64","v":0},null,null,"Household 3",{"$f":"'SMSF Serviceability Calculator'!N82","v":0}]
["Less",{"$f":"Serviceability!$D$54&\" - \"&Serviceability!E56","v":"RedZed Loan Applied For - Loan 1"},{"$f":"-Serviceability!N56","v":0},null,"Less",{"$f":"Serviceability!$D$54&\" - \"&'SMSF Serviceability Calculator'!E51","v":"RedZed Loan Applied For - New RedZed Loan "},{"$f":"-'SMSF Serviceability Calculator'!N51","v":0},null,null,"Household 4",{"$f":"'SMSF Serviceability Calculator'!N83","v":0}]
["Less",{"$f":"Serviceability!$D$54&\" - \"&Serviceability!E57","v":"RedZed Loan Applied For - Loan 2"},{"$f":"-Serviceability!N57","v":0},null,"Less",{"$f":"Serviceability!$D$54&\" - \"&Serviceability!I57","v":"RedZed Loan Applied For - "},{"$f":"-Serviceability!R57","v":0}]
["Less",{"$f":"Serviceability!$D$54&\" - \"&Serviceability!E58","v":"RedZed Loan Applied For - Loan 3"},{"$f":"-Serviceability!N58","v":0},null,"Less",{"$f":"Serviceability!$D$54&\" - \"&Serviceability!I58","v":"RedZed Loan Applied For - "},{"$f":"-Serviceability!R58","v":0}]
["Plus",{"$f":"Serviceability!$D$54&\" - \"&Tables!A32","v":"RedZed Loan Applied For - Buffered Loan 1"},{"$f":"Tables!B32","v":0},null,"Plus",{"$f":"Serviceability!$D$54&\" - \"&Tables!A395","v":"RedZed Loan Applied For - Buffered Loan 1"},{"$f":"Tables!B395","v":0},null,null,null,{"$f":"SUM(G3,K3:K6)","v":-166.66666666666666}]
["Plus",{"$f":"Serviceability!$D$54&\" - \"&Tables!A33","v":"RedZed Loan Applied For - Buffered Loan 2"},{"$f":"Tables!B33","v":0},null,"Plus",{"$f":"Serviceability!$D$54&\" - \"&Tables!E33","v":"RedZed Loan Applied For - 0"},{"$f":"0","v":0}]
["Plus",{"$f":"Serviceability!$D$54&\" - \"&Tables!A34","v":"RedZed Loan Applied For - Buffered Loan 3"},{"$f":"Tables!B34","v":0},null,"Plus",{"$f":"Serviceability!$D$54&\" - \"&Tables!E34","v":"RedZed Loan Applied For - 0"},{"$f":"0","v":0}]
["Less",{"$f":"Serviceability!$D$61&\": \"&Serviceability!E61","v":"Existing Loans: Loan 1 - Existing Secured"},{"$f":"-Serviceability!N61","v":0},null,"Less",{"$f":"Serviceability!$D$61&\": \"&'SMSF Serviceability Calculator'!E55","v":"Existing Loans: Loan 1"},{"$f":"-'SMSF Serviceability Calculator'!N55","v":0}]
["Less",{"$f":"Serviceability!$D$61&\": \"&Serviceability!E62","v":"Existing Loans: Loan 2 - Existing Secured"},{"$f":"-Serviceability!N62","v":0},null,"Less",{"$f":"Serviceability!$D$61&\": \"&'SMSF Serviceability Calculator'!E56","v":"Existing Loans: Loan 2"},{"$f":"-'SMSF Serviceability Calculator'!N56","v":0}]
["Plus",{"$f":"Serviceability!$D$61&\": \"&Tables!A38","v":"Existing Loans: Buffered Loan 1"},{"$f":"Tables!C38","v":0},null,"Less",{"$f":"Serviceability!$D$61&\": \"&'SMSF Serviceability Calculator'!E57","v":"Existing Loans: Loan 3"},{"$f":"-'SMSF Serviceability Calculator'!N57","v":0}]
["Plus",{"$f":"Serviceability!$D$61&\": \"&Tables!A39","v":"Existing Loans: Buffered Loan 2"},{"$f":"Tables!C39","v":0},null,"Plus",{"$f":"Serviceability!$D$61&\": \"&'SMSF Serviceability Calculator'!D60","v":"Existing Loans: Other Loan/Liability Limits if any"},{"$f":"-'SMSF Serviceability Calculator'!N60","v":0}]
["Plus",{"$f":"Tables!A43","v":"Fees - Loan 1"},{"$f":"Tables!C43","v":0},null,"Plus",{"$f":"Serviceability!$D$61&\": \"&Tables!A401","v":"Existing Loans: Buffered Loan 1"},{"$f":"Tables!C401","v":0}]
["Plus",{"$f":"Tables!A44","v":"Fees - Loan 2"},{"$f":"Tables!C44","v":0},null,"Plus",{"$f":"Serviceability!$D$61&\": \"&Tables!A402","v":"Existing Loans: Buffered Loan 2"},{"$f":"Tables!C402","v":0}]
["Plus",{"$f":"Tables!A45","v":"Fees - Loan 3"},{"$f":"Tables!C45","v":0},null,"Plus",{"$f":"Serviceability!$D$61&\": \"&Tables!A403","v":"Existing Loans: Buffered Loan 3"},{"$f":"Tables!C403","v":0}]
[null,null,null,null,"Plus",{"$f":"Tables!A410","v":"Fees - Loan 1"},{"$f":"Tables!C410","v":0}]
[null,"Total Monthly Commitments (After Repayment Buffering & Fees)",{"$f":"SUM(C5:C19)","v":0},null,"Plus",{"$f":"Tables!E44","v":0},{"$f":"Tables!G44","v":0}]
[null,null,null,null,null,{"$f":"Tables!E45","v":0},{"$f":"Tables!G45","v":" "}]
[null,{"$f":"Serviceability!K76&\" - Calculated as:\"","v":" - Calculated as:"},{"$f":"ROUNDUP(C3/C20,2)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Serviceability!$D$61&\": \"&Tables!A404","v":"Existing Loans: Buffered Other Loan/Liability Limits if any"},{"$f":"Tables!C404","v":0}]
[null,null,null,null,null,"Total Monthly Commitments (After Repayment Buffering & Fees)",{"$f":"SUM(G5:G22)","v":0}]
[null,null,null,null,null,null,null,null,null,{"$f":"ROUNDUP(K9/G23,2)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,{"$f":"Serviceability!O76&\" - Calculated as:\"","v":" - Calculated as:"},{"$f":"ROUNDUP(G3/G23,2)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,{"$f":"G25","v":{"$error":"#DIV/0!"}}]

{"sheet":"Tax Calc","index":6,"n_rows":51,"n_cols":11,"rows_kept":51,"cut":false,"hidden":true,"merged":[]}
["Tax Calc"]
[]
["Annual Gross",null,null,"Gross","Tax","Medicare","Income offset","Net","Net Monthly"]
[]
["Applicant / G'Tor 1","Salary / Self Employed",null,{"$f":"Serviceability!I13","v":10000},{"$f":"IF(D5<Tables!$A$6,0,IF(AND(D5>Tables!$A$6,D5<Tables!$A$7),(D5-Tables!$A$6)*Tables!$C$6,IF(AND(D5>Tables!$A$7,D5<Tables!$A$8),Tables!$D$7+(D5-Tables!$A$7)*Tables!$C$7,IF(AND(D5>Tables!$A$8,D5<Tables!$A$9),Tables!$D$8+(D5-Tables!$A$8)*Tables!$C$8,IF(D5>Tables!$A$9,Tables!$D$9+(D5-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D5*Tables!C$16","v":200},{"$f":"IFERROR(((D5-VLOOKUP(D5,$A$29:$D$33,1,TRUE))*VLOOKUP(D5,$A$29:$D$33,3,TRUE)+VLOOKUP(D5,$A$29:$D$33,4,TRUE)),0)+IFERROR((IF(D5>66667,66667-45001,(D5-VLOOKUP(D5,$A$41:$D$43,1,TRUE)))*VLOOKUP(D5,$A$41:$D$43,3,TRUE)+VLOOKUP(D5,$A$41:$D$43,4,TRUE)),0)","v":0},{"$f":"D5-E5-F5+G5","v":9800},{"$f":"H5/12","v":816.66666666666663}]
["Applicant / G'Tor 2","Salary / Self Employed",null,{"$f":"Serviceability!I14","v":0},{"$f":"IF(D6<Tables!$A$6,0,IF(AND(D6>=Tables!$A$6,D6<Tables!$A$7),(D6-Tables!$A$6)*Tables!$C$6,IF(AND(D6>=Tables!$A$7,D6<Tables!$A$8),Tables!$D$7+(D6-Tables!$A$7)*Tables!$C$7,IF(AND(D6>=Tables!$A$8,D6<Tables!$A$9),Tables!$D$8+(D6-Tables!$A$8)*Tables!$C$8,IF(D6>=Tables!$A$9,Tables!$D$9+(D6-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D6*Tables!C$16","v":0},{"$f":"IFERROR(((D6-VLOOKUP(D6,$A$29:$D$33,1,TRUE))*VLOOKUP(D6,$A$29:$D$33,3,TRUE)+VLOOKUP(D6,$A$29:$D$33,4,TRUE)),0)+IFERROR((IF(D6>66667,66667-45001,(D6-VLOOKUP(D6,$A$41:$D$43,1,TRUE)))*VLOOKUP(D6,$A$41:$D$43,3,TRUE)+VLOOKUP(D6,$A$41:$D$43,4,TRUE)),0)","v":0},{"$f":"D6-E6-F6+G6","v":0},0]
["Applicant / G'Tor 3","Salary / Self Employed",null,{"$f":"Serviceability!I15","v":400},{"$f":"IF(D7<Tables!$A$6,0,IF(AND(D7>=Tables!$A$6,D7<Tables!$A$7),(D7-Tables!$A$6)*Tables!$C$6,IF(AND(D7>=Tables!$A$7,D7<Tables!$A$8),Tables!$D$7+(D7-Tables!$A$7)*Tables!$C$7,IF(AND(D7>=Tables!$A$8,D7<Tables!$A$9),Tables!$D$8+(D7-Tables!$A$8)*Tables!$C$8,IF(D7>=Tables!$A$9,Tables!$D$9+(D7-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D7*Tables!C$16","v":8},0,392,32.666666666666664]
["Applicant / G'Tor 4","Salary / Self Employed",null,{"$f":"Serviceability!I16","v":0},{"$f":"IF(D8<Tables!$A$6,0,IF(AND(D8>=Tables!$A$6,D8<Tables!$A$7),(D8-Tables!$A$6)*Tables!$C$6,IF(AND(D8>=Tables!$A$7,D8<Tables!$A$8),Tables!$D$7+(D8-Tables!$A$7)*Tables!$C$7,IF(AND(D8>=Tables!$A$8,D8<Tables!$A$9),Tables!$D$8+(D8-Tables!$A$8)*Tables!$C$8,IF(D8>=Tables!$A$9,Tables!$D$9+(D8-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D8*Tables!C$16","v":0},0,0,0]
["Member / G'Tor 1","Salary / Self Employed",null,{"$f":"'Member Serviceability Calc'!K13","v":0},{"$f":"IF(D9<Tables!$A$6,0,IF(AND(D9>=Tables!$A$6,D9<Tables!$A$7),(D9-Tables!$A$6)*Tables!$C$6,IF(AND(D9>=Tables!$A$7,D9<Tables!$A$8),Tables!$D$7+(D9-Tables!$A$7)*Tables!$C$7,IF(AND(D9>=Tables!$A$8,D9<Tables!$A$9),Tables!$D$8+(D9-Tables!$A$8)*Tables!$C$8,IF(D9>=Tables!$A$9,Tables!$D$9+(D9-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D9*Tables!C$16","v":0},0,0,0]
["Member / G'Tor 2","Salary / Self Employed",null,{"$f":"'Member Serviceability Calc'!K14","v":0},{"$f":"IF(D10<Tables!$A$6,0,IF(AND(D10>=Tables!$A$6,D10<Tables!$A$7),(D10-Tables!$A$6)*Tables!$C$6,IF(AND(D10>=Tables!$A$7,D10<Tables!$A$8),Tables!$D$7+(D10-Tables!$A$7)*Tables!$C$7,IF(AND(D10>=Tables!$A$8,D10<Tables!$A$9),Tables!$D$8+(D10-Tables!$A$8)*Tables!$C$8,IF(D10>=Tables!$A$9,Tables!$D$9+(D10-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D10*Tables!C$16","v":0},0,0,0]
["Member / G'Tor 3","Salary / Self Employed",null,{"$f":"'Member Serviceability Calc'!K15","v":0},{"$f":"IF(D11<Tables!$A$6,0,IF(AND(D11>=Tables!$A$6,D11<Tables!$A$7),(D11-Tables!$A$6)*Tables!$C$6,IF(AND(D11>=Tables!$A$7,D11<Tables!$A$8),Tables!$D$7+(D11-Tables!$A$7)*Tables!$C$7,IF(AND(D11>=Tables!$A$8,D11<Tables!$A$9),Tables!$D$8+(D11-Tables!$A$8)*Tables!$C$8,IF(D11>=Tables!$A$9,Tables!$D$9+(D11-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D11*Tables!C$16","v":0},0,0,0]
["Member / G'Tor 4","Salary / Self Employed",null,{"$f":"'Member Serviceability Calc'!K16","v":0},{"$f":"IF(D12<Tables!$A$6,0,IF(AND(D12>=Tables!$A$6,D12<Tables!$A$7),(D12-Tables!$A$6)*Tables!$C$6,IF(AND(D12>=Tables!$A$7,D12<Tables!$A$8),Tables!$D$7+(D12-Tables!$A$7)*Tables!$C$7,IF(AND(D12>=Tables!$A$8,D12<Tables!$A$9),Tables!$D$8+(D12-Tables!$A$8)*Tables!$C$8,IF(D12>=Tables!$A$9,Tables!$D$9+(D12-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D12*Tables!C$16","v":0},0,0,0]
[]
[]
[]
[]
[]
[]
["Test lower and middle income offset",null,null,"Formula","( income - income lower range ) *offset rate + baseline"]
[]
["income","offset baseline","Income lower range","Income - Lower range","offset reduced %","offset reduced amount","offset amount"]
[80000,{"$f":"VLOOKUP(A22,A29:D33,4,TRUE)","v":0},{"$f":"VLOOKUP(A22,A29:D33,1,TRUE)","v":48001},{"$f":" A22-C22","v":31999},{"$f":"VLOOKUP(A22,A29:D33,3,TRUE)","v":0},{"$f":"+D22*E22","v":0},{"$f":"SUM(B22,F22)","v":0}]
[]
[]
[]
["Lower and Middle income offset"]
[]
["Wages Over","Not to Exceed","Tax Rate"]
[1,37000,null,0]
[{"$f":"B29+1","v":37001},48000,0,0]
[{"$f":"B30+1","v":48001},90000,0,0]
[{"$f":"B31+1","v":90001},126000,0,0]
[{"$f":"B32+1","v":126001},null,0,0]
[]
[]
[]
[]
["Low Income offset"]
[]
["Wages Over","Not to Exceed","Tax Rate"]
[1,37500,null,0,null,null,null,null,null,null,{"$f":"I41*52","v":0}]
[{"$f":"B41+1","v":37501},45000,0,0]
[{"$f":"B42+1","v":45001},66667,0,0]
[]
[]
[]
[]
["Test low income"]
[]
["income","offset baseline","Income lower range","Income - Lower range","offset reduced %","offset reduced amount","offset amount"]
[80000,{"$f":"VLOOKUP(A51,A41:D43,4,TRUE)","v":0},{"$f":"VLOOKUP(A51,A41:D43,1,TRUE)","v":45001},{"$f":"IF(A51>66667, 66667-45001, A51-C51)","v":21666},{"$f":"VLOOKUP(A51,A41:D43,3,TRUE)","v":0},{"$f":"+D51*E51","v":0},{"$f":"SUM(B51,F51)","v":0}]

{"sheet":"User Problems","index":7,"n_rows":34,"n_cols":17,"rows_kept":34,"cut":false,"hidden":true,"merged":[]}
["#","Date","Submitted By","Sheet Name (if applicable)","Problem","Initial Review Assessment","Review Result Date","Review With User","Review Result or Action to Take","Sheets Affected","Development Version #","Type","Estimate (hrs)","Actual","Status","Date Unit Tested","Release Version #"]
[1,"2017-04-06","Bill Slattery",null,"What we are trying to achieve is a stress test of servicing capacity at the higher of;\n1. The selected interest rate + 2% or \n2. 7% \nThis change should only apply to Residential loans.\n",null,null,null,null,null,{"$f":"'Version Control'!C2","v":"V1.2"},"Enhancement",null,null,"Completed","2017-04-10",{"$f":"'Version Control'!$C$9","v":0}]
[2,"2017-04-10","Trevor Smith",null,"The tax table in the Residential calculator is not the same as in the Consolidated Calculator. Looks like the Residential Calculator was not updated for the 2017/2018 change to the upper limit for the 32.5% rate (ie from $80000 to $87000).","Change the tax table in the Residential Calculator in expectation you want it to match that in the Consolidated Calculator.","2017-04-10","Bill Slattery","Change as recommended",null,{"$f":"'Version Control'!C3","v":0},"Bug",null,null,"Completed","2017-04-10",{"$f":"'Version Control'!$C$9","v":0}]
[3,"2017-04-24","Bill Slattery","Serviceability Calc","Add Serviceabilty Calculation Sheet as per Consolidated User Problem #131.","Name as \"Serviceability Calc\"",null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[4,"2017-04-24","Mario Lorenzi",null,"Add two macros:\n-Ctl/Shift/B to unhide the calculation sheets\n-Ctl/Shift/H to hide the calculation sheets\n",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[5,"2017-04-24","Mario Lorenzi","Tables","Change Company Tax Rate to 28.5%","Set up a  a new Company Tax Table on Tables sheet. Change Company Income Calculation (Cell K18) to reference the new Company Tax Table.",null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Data Maintenance",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[6,"2017-04-24","Mario Lorenzi","Serviceability","Add Interest Only Term cells for RedZed Loans 1 and 2 on Serviceability sheet.\nChange the Rate buffering calculation to use the net term (Total Term less Interest Only Term)",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[7,"2017-04-24","Mario Lorenzi","Serviceability","Add Source of Other Incomes cell for each of the Other Regular Monthly Income lines on the Serviceability sheets.",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[8,"2017-04-24","Mario Lorenzi","Serviceability","Change Company Income heading to display \"Company Income (if applicable)\"",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[9,"2017-04-24","Mario Lorenzi","Serviceability","Swap columns displaying Existing & New v Rental Income/Rental Income ",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[10,"2017-04-24","Mario Lorenzi","Tables","Check Monthly Service Fee calculation - to assume entry of Residential Loans only - calculated at $15 per month",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Bug",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[11,"2017-04-24","Mario Lorenzi","Serviceability","Company Income headings realigned to display above the detail line",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[12,"2017-04-24","Mario Lorenzi","Serviceability","Company Income section moved to display after Rental Income",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[13,"2017-04-24","Mario Lorenzi","Serviceability","Change Personal Income descriptors from \"Guarantor 1, 2, 3, and 4\" to \"Applicant / Guarantor 1, 2, 3, and 4\"",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[14,"2017-04-24","Mario Lorenzi","Tables","Tables Sheet - Highlight in yellow those data cells that can be changed to reflect legislation or company policy changes.",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":0},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":0}]
[15,"2017-06-08","Mario Lorenzi","Tax Calc","Tax Calc Sheet - delete Other Income Cells A10 to I13",null,null,null,null,null,{"$f":"'Version Control'!$C$5","v":0},"Enhancement",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$9","v":0}]
[16,"2017-06-08","Mario Lorenzi","Tax Calc","Tax Calc Sheet - delete \"Correct Formula For Serviceability - Don’t Think Arm Can Do This\" Cells L1 to R25",null,null,null,null,null,{"$f":"'Version Control'!$C$5","v":0},"Enhancement",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$9","v":0}]
[17,"2017-06-08","Mario Lorenzi","Serviceability","Fix formatting of Financier Cells for Existing Loans",null,null,null,null,null,{"$f":"'Version Control'!$C$5","v":0},"Bug",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$9","v":0}]
[18,"2017-06-19","Trevor Smith","User Problems\nVersion Control","Add Sheets for User Problems and Version Control.",null,null,null,null,null,{"$f":"'Version Control'!$C$6","v":0},"Enhancement",null,null,"Completed","2017-06-20",{"$f":"'Version Control'!$C$9","v":0}]
[19,"2017-06-19","Angelo Klidomitis","Serviceability","Change Look & Feel as per 4.0 ServiceabilityCalculator.xlsx",null,null,null,null,null,{"$f":"'Version Control'!$C$6","v":0},"Enhancement",null,null,"Completed","2017-06-21",{"$f":"'Version Control'!$C$9","v":0}]
[20,"2017-05-22","Mario Lorenzi & Bill Slattery","Serviceability","Increase readability of printed version of the sheet",null,null,null,null,null,{"$f":"'Version Control'!C7","v":0},"Enhancement",null,null,"Completed","2017-06-26",{"$f":"'Version Control'!$C$9","v":0}]
[21,"2017-06-29","Mario Lorenzi","Serviceability","1) Borders missing for  Enter Source of Income, Rental Income, Maintenance, & Other Fixed Monthly Repayments.\n2) Enter a zero in each dollar entry cell so the user is aware it is available for entry.",null,null,null,null,null,{"$f":"'Version Control'!C8","v":0},"Enhancement & Bug",null,null,"Completed","2017-06-29",{"$f":"'Version Control'!$C$9","v":0}]
[22,"2018-11-20","Lorraine Taylor ","Servicebility","IF more then three adult in one household please display the mssage",null,null,null,null,null,"V7.3",null,null,null,"Completed","2018-11-20","V7.3"]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[31]
[32]
[33]

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["Name","Date","Version #","Development Version File Name","Changes","Released Version",null,"Current Version",{"$f":"VLOOKUP($J$1,B2:$I$3984,8,FALSE)","v":"V1.2 240206"},{"$f":"MAX(B2:B3984)","v":"2024-02-06"}]
["Shun Yin","2024-02-06","V1.2","Change the Company Tax Rate","Change the Company Tax Rate",null,{"$f":"IFERROR(VLOOKUP(MONTH(B2),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B2),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0206"},{"$f":"RIGHT(YEAR(B2),2)&G2","v":"240206"},{"$f":"CONCATENATE(C2,\" \",H2)","v":"V1.2 240206"}]

{"sheet":"Day and Months Table","index":9,"n_rows":31,"n_cols":2,"rows_kept":31,"cut":false,"hidden":true,"merged":[]}
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[4,"04"]
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[9,"09"]
[10,"10"]
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[21,"21"]
[22,"22"]
[23,"23"]
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[26,"26"]
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