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{"sheet":"NCCPA Assessment Questionnaire","index":0,"n_rows":37,"n_cols":10,"rows_kept":37,"cut":false,"hidden":false,"merged":[[26,9,26,10],[0,0,0,12],[3,0,4,12],[6,9,6,10],[15,9,15,10],[24,9,24,10],[18,2,19,8],[20,2,22,8]]}
["NCCPA Assessment Questionnaire                             "]
[]
[]
["This assessment is to determine if the borrower/credit facility is protected by the NCCPA requirements, as per the Responsible Lending obligations."]
[]
[]
[null,null,"Question 1"]
[null,null,"Is the applicant a natural person or a strata corporation?"]
[null,null,"A natural person includes (but is not limited to):"]
[null,null,"     - an individual"]
[null,null,"     - individuals in a Partnership"]
[null,null,"     - an individual as Trustee for a Trust"]
[]
[]
[]
[null,null,"Question 2"]
[null,null,"Will the funds wholly or predominantly (≥50%) be used:"]
[null,null,"     - for personal, domestic or household purposes; or"]
[null,null,"     - to purchase, renovate or improve residential property \n        for investment purposes; or"]
[]
[null,null,"     - to refinance credit that has been provided wholly or \n        predominately to purchase, renovate or improve residential \n        property for investment purposes"]
[]
[]
[]
[]
[]
[null,null,"Application Requirement:",null,null,null,null,null,null,{"$f":"IF(AND(J7=\"Yes\",J16=\"Yes\"),\"Regulated\",\"Unregulated\")","v":"Unregulated"}]
[]
[]
[]
[]
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[]
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["Yes"]
["No"]

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["                         Loan Affordability Calculator",null,null,null,null,null,null,null,null,null,"Existing Mortgage Commitments "]
[]
["Applicant Name/s",null,null,null,null,null,null,null,null,null,"Does the member have existing mortgages","No"]
["Customer Number/s"]
["Application Number",null,null,null,null,null,null,null,null,null,"Loan Type","Other ADI Rate","Sensitivity Margin","Sensitised Rate","Minimum Floor Rate "]
[null,null,null,null,null,null,null,null,null,null,"Residential",0,0.03,{"$f":"L6+M6","v":0.03},5.5E-2]
["INCOME"," ",null,null,null,null,null,null,null,null,"Commercial Floor Rate",0,0.03,{"$f":"L7+M7","v":0.03},7.4999999999999997E-2]
["Household 1",null,null,null,"Household 2",null,null,null,null,null,null,0]
["Applicant 1",null,null,null,"Applicant 3"]
["Gross Annual Income",null,null,null,"Gross Annual Income",null,null,null,null,null,"Existing Mortgage Loans"]
["Gross Non-standard Income ",null,null,null,"Gross Non-standard Income ",null,null,null,null,null,"Financial Institution","Security Type","Balance","Redraw Available","Total Loan","Minimum monthly repayment","Interest Rate ","Months Remaining","Forecast payout date"]
["Gross Annual Rental Income",{"$f":"(Calculations!B66)","v":0},null,null,"Gross Annual Rental Income",{"$f":"(Calculations!D66)","v":0},null,null,null,null,null,null,0,0,{"$f":"M12+N12","v":0},0,0,{"$f":"IF(K12=0,(\"\"),(NPER(Q12/12,P12,-O12,0)))","v":""},{"$f":"IF(K12=0,(\"\"),(DATE(YEAR($F$63),MONTH($F$63)+R12,DAY($F$63))))","v":""}]
["Shaded Annual Rental Income",{"$f":"B12*Inc_Scaling","v":0},null,null,"Shaded Annual Rental Income",{"$f":"F12*Inc_Scaling","v":0},null,null,null,null,null,null,0,0,0,0,0,"",{"$f":"IF(K13=0,(\"\"),(DATE(YEAR($F$63),MONTH($F$63)+R13,DAY($F$63))))","v":""}]
["Non Taxable Annual Income",null,null,null,"Non Taxable Annual Income",null,null,null,null,null,null,null,0,0,0,0,0,"",{"$f":"IF(K14=0,(\"\"),(DATE(YEAR($F$63),MONTH($F$63)+R14,DAY($F$63))))","v":""}]
["Medicare Levy",{"$f":"(B10+B11+B13)*Medicare_Levy","v":0},null,null,"Medicare Levy",{"$f":"(F10+F11+F13)*Medicare_Levy","v":0},null,null,null,null,null,null,0,0,0,0,0,"",""]
["Net Monthly Non Taxable Income",{"$f":"Calculations!B18","v":0},null,null,"Net Monthly Non Taxable Income",{"$f":"Calculations!B22","v":0},null,null,null,null,null,null,0,0,0,0,0,"",""]
["Net Monthly Income",{"$f":"Calculations!B12","v":0},null,null,"Net Monthly Income",{"$f":"Calculations!B14","v":0},null,null,null,null,null,null,0,0,0,0,0,"",""]
["Applicant 2",null,null,null,"Applicant 4",null,null,null,null,null,null,null,0,0,0,0,0,"",""]
["Gross Annual Income",null,null,null,"Gross Annual Income",null,null,null,null,null,null,null,0,0,0,0,0,"",""]
["Gross Non-standard Income ",null,null,null,"Gross Non-standard Income ",null,null,null,null,null,null,null,0,0,0,0,0,"",""]
["Gross Annual Rental Income",{"$f":"(Calculations!B73)","v":0},null,null,"Gross Annual Rental Income",{"$f":"(Calculations!D73)","v":0},null,null,null,null,null,null,0,0,0,0,0,"",""]
["Shaded Annual Rental Income",{"$f":"B21*Inc_Scaling","v":0},null,null,"Shaded Annual Rental Income",{"$f":"F21*Inc_Scaling","v":0}]
["Non Taxable Annual Income",null,null,null,"Non Taxable Annual Income",null,null,null,null,null,"Sensitised Repayments"]
["Medicare Levy",{"$f":"(B19+B20+B22)*Medicare_Levy","v":0},null,null,"Medicare Levy",{"$f":"(F19+F20+F22)*Medicare_Levy","v":0},null,null,null,null,"Financial Institution","Security Type","Total Loan","Months Remaining","Sensitised Rate","Monthly Repayments"]
["Net Monthly Non Taxable Income",{"$f":"Calculations!B20","v":0},null,null,"Net Monthly Non Taxable Income",{"$f":"Calculations!B24","v":0},null,null,null,null,{"$f":"IF(K12=0,\"\",K12)","v":""},"",{"$f":"IF(O12=0,\"\",O12)","v":""},{"$f":"IF(R12=0,\"\",R12)","v":""},0,{"$f":"IF(K12=0,\"\",-PMT(O25/12,N25,M25,0))","v":""}]
["Net Monthly Income",{"$f":"Calculations!B13","v":0},null,null,"Net Monthly Income",{"$f":"Calculations!B15","v":0},null,null,null,null,"","",{"$f":"IF(O13=0,\"\",O13)","v":""},{"$f":"IF(R13=0,\"\",R13)","v":""},0,{"$f":"IF(K13=0,\"\",-PMT(O26/12,N26,M26,0))","v":""}]
[null,null,null,null,"Self-employed Income",{"$f":"(('Self-employed Income'!C36+'Self-employed Income'!E36)/12)/2","v":0},null,null,null,null,"","",{"$f":"IF(O14=0,\"\",O14)","v":""},{"$f":"IF(R14=0,\"\",R14)","v":""},0,{"$f":"IF(K14=0,\"\",-PMT(O27/12,N27,M27,0))","v":""}]
[null,null,null,null,"Total Monthly Income",{"$f":"SUM(B17+B26+F17+F26+F27)","v":0},null,null,null,null,"","",{"$f":"IF(O15=0,\"\",O15)","v":""},{"$f":"IF(R15=0,\"\",R15)","v":""},0,{"$f":"IF(K15=0,\"\",-PMT(O28/12,N28,M28,0))","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(K16=0,\"\",K16)","v":""},"",{"$f":"IF(O16=0,\"\",O16)","v":""},{"$f":"IF(R16=0,\"\",R16)","v":""},0,{"$f":"IF(K16=0,\"\",-PMT(O29/12,N29,M29,0))","v":""}]
["EXPENSES",null,null,null,"COMMITMENTS",null,null,null,null,null,"","","","",0,""]
["Declared Living Expenses (monthly)",null,null,null,"Existing Mortgage Loan/s",{"$f":"IF(L3=\"No\",0,Z58)","v":0},null,null,null,null,"","","","",0,""]
["Transport & Vehicle Expenses",{"$f":"'Living Expenses Worksheet'!P8","v":0},null,null,"Existing Personal Loan/s (monthly)",null,null,null,null,null,"","","","",0,""]
["Property Expenses",{"$f":"'Living Expenses Worksheet'!P9","v":0},null,null,"Existing Credit Card Limit/s ",null,null,null,null,null,"","","","",0,""]
["Services and Utilities",{"$f":"'Living Expenses Worksheet'!P10","v":0},null,null,"Other Liabilities (monthly)",null,null,null,null,null,"","","","",0,""]
["Food and Groceries",{"$f":"'Living Expenses Worksheet'!P11","v":0},null,null,"Rent / Board",{"$f":"'Living Expenses Worksheet'!R9","v":0}]
["Recreation and Entertainment",{"$f":"'Living Expenses Worksheet'!P12","v":0},null,null,"Existing debts* ",null,null,null,null,null,"Interest Only Loans"]
["Child Expenses",{"$f":"'Living Expenses Worksheet'!P13","v":0},null,null,"*total of all loan balances & credit limits including BNPL, HELP, HECS",null,null,null,null,null,"Note - IO loans are to be converted to P&I over 300mths for residential and P&I over 180mths for commercial"]
["Health and Wellbeing",{"$f":"'Living Expenses Worksheet'!P14","v":0},null,null,null,null,null,null,null,null,"Financial Institution","Security Type","Total Loan","Term ","Sensitised Rate","Monthly Repayments"]
["Other Living Expenses",{"$f":"'Living Expenses Worksheet'!P15","v":0},null,null,"PROPOSED NEW LENDING",null,null,null,null,null,null,null,0,{"$f":"IF(L39=\"residential\",300,IF(L39=\"commercial\",180,\"\"))","v":""},0,{"$f":"IF(K39=0,\"\",-PMT(O39/12,N39,M39,0))","v":""}]
["Investment Property Expenses in Excess of 20%",{"$f":"SUMIF('Investment Properties'!D:D,\"Expenses over 20% of Gross\",'Investment Properties'!E:E)/MiY +SUMIF('Investment Properties'!I:I,\"Expenses over 20% of Gross\",'Investment Properties'!J:J)/MiY+SUMIF('Investment Properties'!N:N,\"Expenses over 20% of Gross\",'Investment Properties'!O:O)/MiY+SUMIF('Investment Properties'!S:S,\"Expenses over 20% of Gross\",'Investment Properties'!T:T)/MiY","v":0},null,null,"Proposed New Loan Amount",null,null,null,null,null,null,null,0,{"$f":"IF(L40=\"residential\",300,IF(L40=\"commercial\",180,\"\"))","v":""},0,{"$f":"IF(K40=0,\"\",-PMT(O40/12,N40,M40,0))","v":""}]
["Total Declared Living Expenses",{"$f":"SUM(B32:B40)","v":0},null,null,"Interest Rate",null,null,null,null,null,null,null,0,"",0,""]
[null,null,null,null,"Term (months)",null,null,null,null,null,null,null,0,"",0,""]
["BENCHMARK LIVING EXPENSES",null,null,null,"Proposed New Visa Limit",null,null,null,null,null,null,null,0,"",0,""]
["Household 1",null,null,null,null,null,null,null,null,null,null,null,0,"",0,""]
["Household 2 ",null,null,null,"Sensitised New Repayment",{"$f":"IFERROR(Calculations!B49+Calculations!B60,\"\")","v":0},null,null,null,null,null,null,0,"",0,""]
["Additional Children",null,null,null,null,null,null,null,null,null,null,null,0,"",0,""]
["Additional Vehicle"," ",null,null,"SERVICING SUMMARY","Monthly ",null,null,null,null,null,null,0,"",0,""]
["Motor Bike"," ",null,null,"Total Income",{"$f":"F28","v":0},null,null,null,null,null,null,0,"",0,""]
["Watercraft / Caravan"," ",null,null,"Total Living Expenses",{"$f":"IFERROR(IF(B41>B50,B41,B50),0)","v":0}]
["Benchmark Living Expenses",{"$f":"IFERROR(Calculations!K6,0)","v":0},null,null,"Total Other Expenses",{"$f":"B61","v":0}]
[null,null,null,null,"Total Commitments",{"$f":"SUM(F31,F32,Calculations!B48,F34,F35)","v":0}]
["OTHER HOUSEHOLD EXPENSES (MONTHLY)",null,null,null,"Net surplus excluding new loan",{"$f":"F48-F49-F50-F51","v":0}]
["Child Support",{"$f":"'Living Expenses Worksheet'!R13","v":0},null,null,"Proposed New Loan repayment",{"$f":"F45","v":0}]
["Personal Insurance (Life, Health)",{"$f":"'Living Expenses Worksheet'!R14","v":0},null,null,"Living Expenses method",{"$f":"IF(F49=B41, Calculations!J28, Calculations!J29)","v":"Declared"}]
["Private School Fees",{"$f":"'Living Expenses Worksheet'!T13","v":0},null,null,"Loan to Income Ratio (LTI)",{"$f":"F40/(B10+B12+B19+B21+B14+F10+F12+F19+F21+Calculations!K50)","v":{"$error":"#DIV/0!"}}]
["Other"]
[null,null,null,null,"SERVICING RESULT"]
[" ",null,null,null,"Debt to Income Ratio (DTI)",{"$f":"(F36+F40+F43)/(B10+B12+B11+B19+B21+B20+B14+B23+F10+F12+F11+F14+F19+F21+F20+F23+Calculations!K50)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(P25:P35)","v":0},{"$f":"SUM(P39:P48)","v":0},{"$f":"SUM(X58:Y58)","v":0}]
[" ",null,null,null,"Debt Servicing Ratio (DSR)",{"$f":"F45/F52","v":{"$error":"#DIV/0!"}}]
[" "," ",null,null,"Net Income Surplus (NIS)",{"$f":"IFERROR(F52-F53,0)","v":0}]
["Total Other Monthly Expenses",{"$f":"SUM(B53:B60)","v":0}]
[]
["Version 4.4",null,null,null,null,{"$f":"TODAY()","v":"2024-03-13"}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Living Expenses worksheet"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Total"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vehicle registration",{"$f":"'Living Expenses Worksheet'!B4","v":0},null,{"$f":"'Living Expenses Worksheet'!D4","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F4","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vehicle maintenance ",{"$f":"'Living Expenses Worksheet'!B5","v":0},null,{"$f":"'Living Expenses Worksheet'!D5","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F5","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vehicle insurance",{"$f":"'Living Expenses Worksheet'!B6","v":0},null,{"$f":"'Living Expenses Worksheet'!D6","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F6","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Motorcycle registration and insurance ",{"$f":"'Living Expenses Worksheet'!B7","v":0},null,{"$f":"'Living Expenses Worksheet'!D7","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F7","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Caravan / trailer registration and insurance",{"$f":"'Living Expenses Worksheet'!B8","v":0},null,{"$f":"'Living Expenses Worksheet'!D8","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F8","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Watercraft registration and insurance",{"$f":"'Living Expenses Worksheet'!B9","v":0},null,{"$f":"'Living Expenses Worksheet'!D9","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F9","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Petrol",{"$f":"'Living Expenses Worksheet'!B10","v":0},null,{"$f":"'Living Expenses Worksheet'!D10","v":"Weekly"},null,{"$f":"'Living Expenses Worksheet'!F10","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Public Transport",{"$f":"'Living Expenses Worksheet'!B11","v":0},null,{"$f":"'Living Expenses Worksheet'!D11","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F11","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other Transport and Vehicle expenses",{"$f":"'Living Expenses Worksheet'!B12","v":0},null,{"$f":"'Living Expenses Worksheet'!D12","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Expenses",null,null,null,null,{"$f":"'Living Expenses Worksheet'!F13","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Council Rates",{"$f":"'Living Expenses Worksheet'!B14","v":0},null,{"$f":"'Living Expenses Worksheet'!D14","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F14","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Body Corporate fees",{"$f":"'Living Expenses Worksheet'!B15","v":0},null,{"$f":"'Living Expenses Worksheet'!D15","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F15","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Home and contents insurances",{"$f":"'Living Expenses Worksheet'!B16","v":0},null,{"$f":"'Living Expenses Worksheet'!D16","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F16","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maintenance",{"$f":"'Living Expenses Worksheet'!B17","v":0},null,{"$f":"'Living Expenses Worksheet'!D17","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F17","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rent",{"$f":"'Living Expenses Worksheet'!B18","v":0},null,{"$f":"'Living Expenses Worksheet'!D18","v":"Weekly"},null,{"$f":"'Living Expenses Worksheet'!F18","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Board",{"$f":"'Living Expenses Worksheet'!B19","v":0},null,{"$f":"'Living Expenses Worksheet'!D19","v":"Weekly"},null,{"$f":"'Living Expenses Worksheet'!F19","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other Property Expenses",{"$f":"'Living Expenses Worksheet'!B20","v":0},null,{"$f":"'Living Expenses Worksheet'!D20","v":"Weekly"},null,{"$f":"'Living Expenses Worksheet'!F20","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Services and Utilities",null,null,null,null,{"$f":"'Living Expenses Worksheet'!F21","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Electricity",{"$f":"'Living Expenses Worksheet'!B22","v":0},null,{"$f":"'Living Expenses Worksheet'!D22","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F22","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gas",{"$f":"'Living Expenses Worksheet'!B23","v":0},null,{"$f":"'Living Expenses Worksheet'!D23","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F23","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Water",{"$f":"'Living Expenses Worksheet'!B24","v":0},null,{"$f":"'Living Expenses Worksheet'!D24","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F24","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Home telephone",{"$f":"'Living Expenses Worksheet'!B25","v":0},null,{"$f":"'Living Expenses Worksheet'!D25","v":"Monthly"},null,{"$f":"'Living Expenses Worksheet'!F25","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mobile telephone",{"$f":"'Living Expenses Worksheet'!B26","v":0},null,{"$f":"'Living Expenses Worksheet'!D26","v":"Monthly"},null,{"$f":"'Living Expenses Worksheet'!F26","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Internet",{"$f":"'Living Expenses Worksheet'!B27","v":0},null,{"$f":"'Living Expenses Worksheet'!D27","v":"Monthly"},null,{"$f":"'Living Expenses Worksheet'!F27","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other Services and Utilities",{"$f":"'Living Expenses Worksheet'!B28","v":0},null,{"$f":"'Living Expenses Worksheet'!D28","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F28","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other Food and Groceries",{"$f":"'Living Expenses Worksheet'!B33","v":0},null,{"$f":"'Living Expenses Worksheet'!D33","v":"Weekly"},null,{"$f":"'Living Expenses Worksheet'!F33","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Subscription services e.g. Pay TV, Music",{"$f":"'Living Expenses Worksheet'!B35","v":0},null,{"$f":"'Living Expenses Worksheet'!D35","v":"Monthly"},null,{"$f":"'Living Expenses Worksheet'!F35","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other Recreation and Entertainment",{"$f":"'Living Expenses Worksheet'!B38","v":0},null,{"$f":"'Living Expenses Worksheet'!D38","v":"Weekly"},null,{"$f":"'Living Expenses Worksheet'!F38","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Private school fees",{"$f":"'Living Expenses Worksheet'!B40","v":0},null,{"$f":"'Living Expenses Worksheet'!D40","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F40","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Medical",{"$f":"'Living Expenses Worksheet'!B41","v":0},null,{"$f":"'Living Expenses Worksheet'!D41","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F41","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sporting fees",{"$f":"'Living Expenses Worksheet'!B42","v":0},null,{"$f":"'Living Expenses Worksheet'!D42","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F42","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Clothing and uniforms",{"$f":"'Living Expenses Worksheet'!B43","v":0},null,{"$f":"'Living Expenses Worksheet'!D43","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F43","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",{"$f":"'Living Expenses Worksheet'!B46","v":0},null,{"$f":"'Living Expenses Worksheet'!D46","v":"Annually"},null,{"$f":"'Living Expenses Worksheet'!F46","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Health and Wellbeing",null,null,null,null,{"$f":"'Living Expenses Worksheet'!F47","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other",{"$f":"'Living Expenses Worksheet'!B52","v":0},null,{"$f":"'Living Expenses Worksheet'!D52","v":"Weekly"},null,{"$f":"'Living Expenses Worksheet'!F52","v":0}]
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[null,null,null,null,null,"Monthly Total",null,null,null,null,null,null,null,"Quarterly","Quarterly","Fortnightly","Fortnightly",26]
["Transport and Vehicle Expenses",null,null,null,null,{"$f":"SUM(F4:F12)","v":0},null,null,null,null,null,null,null,"Monthly","Monthly","Monthly","Monthly",12]
["Vehicle registration",null,null,"Annually",null,{"$f":"IF(D4=\"\",\"\",(B4*VLOOKUP(D4,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0},null,null,null,null,null,null,null,"Weekly","Weekly","Quarterly","Quarterly",4]
["Vehicle maintenance ",null,null,"Annually",null,0,null,null,null,null,null,null,null,"Fortnightly","Fortnightly","Annually","Weekly",52]
["Vehicle insurance",null,null,"Annually",null,0]
["Motorcycle registration and insurance ",null,null,"Annually",null,0,null,null,null,null,null,null,null,null,null,"Monthly sum"]
["Caravan / trailer registration and insurance",null,null,"Annually",null,0,null,null,null,null,null,null,null,{"$f":"A3","v":"Transport and Vehicle Expenses"},null,{"$f":"F3+B82","v":0}]
["Watercraft registration and insurance",null,null,"Annually",null,0,null,null,null,null,null,null,null,{"$f":"A13","v":"Property Expenses"},null,{"$f":"F13-F18-F19+B83","v":0},"Rent / Board",{"$f":"F18+F19+B93","v":0}]
["Petrol",null,null,"Weekly",null,{"$f":"IF(D10=\"\",\"\",(B10*VLOOKUP(D10,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0},null,null,null,null,null,null,null,{"$f":"A21","v":"Services and Utilities"},null,{"$f":"F21+B84","v":0}]
["Public Transport",null,null,"Annually",null,0,null,null,null,null,null,null,null,{"$f":"A29","v":"Food and Groceries"},null,{"$f":"F29+B85","v":0}]
["Other Transport and Vehicle expenses",null,null,"Annually",null,{"$f":"IF(D12=\"\",\"\",(B12*VLOOKUP(D12,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0},null,null,null,null,null,null,null,{"$f":"A34","v":"Recreation and Entertainment"},null,{"$f":"F34+B86","v":0}]
["Property Expenses",null,null,null,null,{"$f":"SUM(F14:F20)","v":0},null,null,null,null,null,null,null,{"$f":"A39","v":"Child Expenses"},null,{"$f":"F39-F40-F45+B87","v":0},"Child Support",{"$f":"F45+B90","v":0},"Private School",{"$f":"F40+B92","v":0}]
["Council Rates",null,null,"Annually",null,{"$f":"IF(D14=\"\",\"\",(B14*VLOOKUP(D14,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0},null,null,null,null,null,null,null,{"$f":"A47","v":"Health and Wellbeing"},null,{"$f":"F47-F50-F51+B88","v":0},"Life and Health Ins",{"$f":"F50+F51+B91","v":0}]
["Body Corporate fees",null,null,"Annually",null,{"$f":"IF(D15=\"\",\"\",(B15*VLOOKUP(D15,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0},null,null,null,null,null,null,null,"Other Living Expenses",null,{"$f":"F53+B89","v":0}]
["Home and contents insurances",null,null,"Annually",null,{"$f":"IF(D16=\"\",\"\",(B16*VLOOKUP(D16,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0},null,null,null,null,null,null,null,"Investment Property Expenses",null,{"$f":"F60","v":0}]
["Maintenance",null,null,"Annually",null,{"$f":"IF(D17=\"\",\"\",(B17*VLOOKUP(D17,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Rent",null,null,"Weekly",null,{"$f":"IF(D18=\"\",\"\",(B18*VLOOKUP(D18,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Board",null,null,"Weekly",null,{"$f":"IF(D19=\"\",\"\",(B19*VLOOKUP(D19,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Other Property Expenses",null,null,"Weekly",null,{"$f":"IF(D20=\"\",\"\",(B20*VLOOKUP(D20,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Services and Utilities",null,null,null,null,{"$f":"SUM(F22:F28)","v":0}]
["Electricity",null,null,"Annually",null,{"$f":"IF(D22=\"\",\"\",(B22*VLOOKUP(D22,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Gas",null,null,"Annually",null,{"$f":"IF(D23=\"\",\"\",(B23*VLOOKUP(D23,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Water",null,null,"Annually",null,0]
["Home telephone",null,null,"Monthly",null,0]
["Mobile telephone",null,null,"Monthly",null,0]
["Internet",null,null,"Monthly",null,0]
["Other Services and Utilities",null,null,"Annually",null,0]
["Food and Groceries",null,null,null,null,{"$f":"SUM(F30:F33)","v":0}]
["Groceries",null,null,"Weekly",null,{"$f":"IF(D30=\"\",\"\",(B30*VLOOKUP(D30,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Restaurants",null,null,"Weekly",null,{"$f":"IF(D31=\"\",\"\",(B31*VLOOKUP(D31,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Takeaway food",null,null,"Weekly",null,{"$f":"IF(D32=\"\",\"\",(B32*VLOOKUP(D32,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Other Food and Groceries",null,null,"Weekly",null,{"$f":"IF(D33=\"\",\"\",(B33*VLOOKUP(D33,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Recreation and Entertainment",null,null,null,null,{"$f":"SUM(F35:F38)","v":0}]
["Subscription services eg Pay TV, Music",null,null,"Monthly",null,{"$f":"IF(D35=\"\",\"\",(B35*VLOOKUP(D35,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Memberships",null,null,"Weekly",null,{"$f":"IF(D36=\"\",\"\",(B36*VLOOKUP(D36,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Travel",null,null,"Weekly",null,{"$f":"IF(D37=\"\",\"\",(B37*VLOOKUP(D37,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Other Recreation and Entertainment",null,null,"Weekly",null,{"$f":"IF(D38=\"\",\"\",(B38*VLOOKUP(D38,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Child Expenses",null,null,null,null,{"$f":"SUM(F40:F46)","v":0}]
["Private school fees",null,null,"Annually",null,{"$f":"IF(D40=\"\",\"\",(B40*VLOOKUP(D40,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Medical",null,null,"Annually",null,{"$f":"IF(D41=\"\",\"\",(B41*VLOOKUP(D41,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Sporting fees",null,null,"Annually",null,0]
["Clothing and uniforms",null,null,"Annually",null,0]
["Child care fees",null,null,"Annually",null,0]
["Child Support",null,null,"Weekly",null,0]
["Other Child Expenses",null,null,"Annually",null,0]
["Health and Wellbeing",null,null,null,null,{"$f":"SUM(F48:F52)","v":0}]
["Sports and gym fees",null,null,"Fortnightly",null,{"$f":"IF(D48=\"\",\"\",(B48*VLOOKUP(D48,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Medical expenses",null,null,"Weekly",null,{"$f":"IF(D49=\"\",\"\",(B49*VLOOKUP(D49,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Life and personal insurances",null,null,"Weekly",null,{"$f":"IF(D50=\"\",\"\",(B50*VLOOKUP(D50,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Private health insurance",null,null,"Weekly",null,{"$f":"IF(D51=\"\",\"\",(B51*VLOOKUP(D51,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Other Health and Wellbeing",null,null,"Weekly",null,{"$f":"IF(D52=\"\",\"\",(B52*VLOOKUP(D52,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Other Living Expenses",null,null,null,null,{"$f":"SUM(F54:F57)","v":0}]
["Cigarettes and Alcohol",null,null,"Weekly",null,{"$f":"IF(D54=\"\",\"\",(B54*VLOOKUP(D54,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Enter details",null,null,"Weekly",null,{"$f":"IF(D55=\"\",\"\",(B55*VLOOKUP(D55,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Enter details",null,null,"Weekly",null,{"$f":"IF(D56=\"\",\"\",(B56*VLOOKUP(D56,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Enter details",null,null,"Weekly",null,{"$f":"IF(D57=\"\",\"\",(B57*VLOOKUP(D57,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Total Living Expenses",null,null,"Monthly",null,{"$f":"F3+F13+F21+F29+F34+F39+F47+F53","v":0}]
[]
["Actual Investment Property Expenses",null,null,null,null,{"$f":"SUMIF('Investment Properties'!D:D,\"TotalMonthlyExpenses\",'Investment Properties'!E:E) +SUMIF('Investment Properties'!I:I,\"TotalMonthlyExpenses\",'Investment Properties'!J:J)+SUMIF('Investment Properties'!N:N,\"TotalMonthlyExpenses\",'Investment Properties'!O:O)+SUMIF('Investment Properties'!S:S,\"TotalMonthlyExpenses\",'Investment Properties'!T:T)","v":0}]
["Council Rates",{"$f":"SUMIF('Investment Properties'!D:D,\"CouncilRatesMonthly\",'Investment Properties'!E:E) +SUMIF('Investment Properties'!I:I,\"CouncilRatesMonthly\",'Investment Properties'!J:J)+SUMIF('Investment Properties'!N:N,\"CouncilRatesMonthly\",'Investment Properties'!O:O)+SUMIF('Investment Properties'!S:S,\"CouncilRatesMonthly\",'Investment Properties'!T:T)","v":0},null,"Monthly",null,{"$f":"IF(D61=\"\",\"\",(B61*VLOOKUP(D61,$Q$1:$R$5,2)/VLOOKUP($Q$3,$Q$1:$R$5,2)))","v":0}]
["Body Corporate Fees",{"$f":"SUMIF('Investment Properties'!D:D,\"BodyCorporateFeesMonthly\",'Investment Properties'!E:E) +SUMIF('Investment Properties'!I:I,\"BodyCorporateFeesMonthly\",'Investment Properties'!J:J)+SUMIF('Investment Properties'!N:N,\"BodyCorporateFeesMonthly\",'Investment Properties'!O:O)+SUMIF('Investment Properties'!S:S,\"BodyCorporateFeesMonthly\",'Investment Properties'!T:T)","v":0},null,"Monthly",null,0]
["Landlords Insurance",{"$f":"SUMIF('Investment Properties'!D:D,\"LandlordInsuranceMonthly\",'Investment Properties'!E:E) +SUMIF('Investment Properties'!I:I,\"LandlordInsuranceMonthly\",'Investment Properties'!J:J)+SUMIF('Investment Properties'!N:N,\"LandlordInsuranceMonthly\",'Investment Properties'!O:O)+SUMIF('Investment Properties'!S:S,\"LandlordInsuranceMonthly\",'Investment Properties'!T:T)","v":0},null,"Monthly",null,0]
["Maintenance",{"$f":"SUMIF('Investment Properties'!D:D,\"MaintenanceMonthly\",'Investment Properties'!E:E) +SUMIF('Investment Properties'!I:I,\"MaintenanceMonthly\",'Investment Properties'!J:J)+SUMIF('Investment Properties'!N:N,\"MaintenanceMonthly\",'Investment Properties'!O:O)+SUMIF('Investment Properties'!S:S,\"MaintenanceMonthly\",'Investment Properties'!T:T)","v":0},null,"Monthly",null,0]
["Management Fees",{"$f":"SUMIF('Investment Properties'!D:D,\"ManagementFeesMonthly\",'Investment Properties'!E:E) +SUMIF('Investment Properties'!I:I,\"ManagementFeesMonthly\",'Investment Properties'!J:J)+SUMIF('Investment Properties'!N:N,\"ManagementFeesMonthly\",'Investment Properties'!O:O)+SUMIF('Investment Properties'!S:S,\"ManagementFeesMonthly\",'Investment Properties'!T:T)","v":0},null,"Monthly",null,0]
["Other Investment Property",{"$f":"SUMIF('Investment Properties'!D:D,\"OtherMonthly\",'Investment Properties'!E:E) +SUMIF('Investment Properties'!I:I,\"OtherMonthly\",'Investment Properties'!J:J)+SUMIF('Investment Properties'!N:N,\"OtherMonthly\",'Investment Properties'!O:O)+SUMIF('Investment Properties'!S:S,\"OtherMonthly\",'Investment Properties'!T:T)","v":0},null,"Monthly",null,0]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["   Version 1.2",null,null,null,null,{"$f":"TODAY()","v":"2024-03-13"}]

{"sheet":"Self-employed Income","index":3,"n_rows":44,"n_cols":10,"rows_kept":44,"cut":false,"hidden":false,"merged":[[0,0,0,9],[7,8,9,8],[7,9,9,9],[2,1,2,8],[3,1,3,8],[4,1,4,8]]}
["               Self-employed Income Assessment"]
[]
["Entity Name/s",{"$f":"'Loan Affordability Calculator'!B3:F3","v":0}]
["Customer Number/s",{"$f":"'Loan Affordability Calculator'!B4:F4","v":0}]
["Application Number",{"$f":"'Loan Affordability Calculator'!B5:F5","v":0}]
[]
[]
[null,null,"Most recent year",null,"Prior year 1",null,"Prior year 2",null,"Variance between most recent and prior year 1","Variance between previous year 1 and prior year 2"]
["Financial year",null," "]
[]
["Self-employed income"]
["Gross Profit",null,0,null,0,null,0,null,{"$f":"SUM(E12-C12)","v":0},{"$f":"SUM(G12-E12)","v":0}]
[]
["Less Expenses",null,0,null,0,null,0,null,{"$f":"SUM(E14-C14)","v":0},{"$f":"SUM(G14-E14)","v":0}]
[]
["Net Profit before tax",null,{"$f":"C12-C14","v":0},null,{"$f":"E12-E14","v":0},null,{"$f":"G12-G14","v":0},null,{"$f":"SUM(E16-C16)","v":0},{"$f":"SUM(G16-E16)","v":0}]
["Less Tax",null,{"$f":"IF(Calculations!K41>0,Calculations!K41,0)","v":0},null,{"$f":"IF(Calculations!K42>0,Calculations!K42,0)","v":0},null,{"$f":"IF(Calculations!K43>0,Calculations!K43,0)","v":0},null,{"$f":"SUM(E17-C17)","v":0},{"$f":"SUM(G17-E17)","v":0}]
["Net Profit after tax",null,{"$f":"SUM(C16-C17)","v":0},null,{"$f":"SUM(E16-E17)","v":0},null,{"$f":"SUM(G16-G17)","v":0},null,{"$f":"SUM(E18-C18)","v":0},{"$f":"SUM(G18-E18)","v":0}]
[]
["Add-backs"]
["  Depreciation",null,0,null,0,null,0,null,{"$f":"SUM(E21-C21)","v":0},{"$f":"SUM(G21-E21)","v":0}]
["  Interest paid",null,0,null,0,null,0,null,0,0]
["  Leasing expenses",null,0,null,0,null,0,null,{"$f":"SUM(E23-C23)","v":0},{"$f":"SUM(G23-E23)","v":0}]
["  Abnormal expenses",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,0,0]
["  Other (enter details)",null,0,null,0,null,0,null,null,0]
[null,null,null,null,null,null,null,null,{"$f":"SUM(E34-C34)","v":0}]
["Total Net Annual Income",null,{"$f":"C18+SUM(C21:C34)","v":0},null,{"$f":"E18+SUM(E21:E34)","v":0},null,{"$f":"G18+SUM(G21:G34)","v":0},null,{"$f":"I18+SUM(I21:I35)","v":0},{"$f":"J18+SUM(J21:J34)","v":0}]
[null,null,{"$f":"(C18/70*100)+SUM(C21:C34)","v":0}]
["Affordability assessment",null,"DSR",null,"Surplus/(Deficit)"]
["  Avg most recent and prior year",null,{"$f":"IFERROR(Calculations!K33,\"-\")","v":"-"},null,{"$f":"IFERROR(Calculations!O33,\"-\")","v":0}]
["  Most recent year",null,{"$f":"IFERROR(Calculations!K34,\"-\")","v":"-"},null,{"$f":"IFERROR(Calculations!O34,\"-\")","v":0}]
["  Prior year 1",null,{"$f":"IFERROR(Calculations!K35,\"-\")","v":"-"},null,{"$f":"IFERROR(Calculations!O35,\"-\")","v":0}]
["  Prior year 2",null,{"$f":"IFERROR(Calculations!K36,\"-\")","v":"-"},null,{"$f":"IFERROR(Calculations!O36,\"-\")","v":0}]
[]
["Version 4.2",null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2024-03-13"}]

{"sheet":"Investment Properties","index":4,"n_rows":73,"n_cols":23,"rows_kept":73,"cut":false,"hidden":false,"merged":[]}
["Investment Properties"]
["Applicant 1",null,null,null,null,"Applicant 2",null,null,null,null,"Applicant 3",null,null,null,null,"Applicant 4"]
["Property Information ",null,null,null,null,"Property Information ",null,null,null,null,"Property Information ",null,null,null,null,"Property Information ",null,null,null,null,null,"Expense benchmark",{"$f":"Calculations!K10","v":0}]
["Property reference ",null,null,null,null,"Property reference ",null,null,null,null,"Property reference ",null,null,null,null,"Property reference "]
["Rental Income per month",null,null,null,null,"Rental Income per month",null,null,null,null,"Rental Income per month",null,null,null,null,"Rental Income per month"]
["Ownership Percentage",null,null,null,null,"Ownership Percentage",null,null,null,null,"Ownership Percentage",null,null,null,null,"Ownership Percentage"]
["Balance of investment loan",null,null,null,null,"Balance of investment loan",null,null,null,null,"Balance of investment loan",null,null,null,null,"Balance of investment loan"]
["Loan interest rate",null,null,null,null,"Loan interest rate",null,null,null,null,"Loan interest rate",null,null,null,null,"Loan interest rate"]
["Property Expenses",null,null,null,null,"Property Expenses",null,null,null,null,"Property Expenses",null,null,null,null,"Property Expenses"]
[" ",null," ",null,null," ",null," ",null,null," ",null," ",null,null," ",null," "]
["Council Rates",null,"Annually",null,null,"Council Rates",null,"Annually",null,null,"Council Rates",null,"Annually",null,null,"Council Rates",null,"Annually"]
["Body Corporate fees",null,"Annually",null,null,"Body Corporate fees",null,"Annually",null,null,"Body Corporate fees",null,"Annually",null,null,"Body Corporate fees",null,"Annually"]
["Landlord insurances",null,"Annually",null,null,"Landlord insurances",null,"Annually",null,null,"Landlord insurances",null,"Annually",null,null,"Landlord insurances",null,"Annually"]
["Maintenance",null,"Annually",null,null,"Maintenance",null,"Annually",null,null,"Maintenance",null,"Annually",null,null,"Maintenance",null,"Annually"]
["Management Fees",null,"Annually",null,null,"Management Fees",null,"Annually",null,null,"Management Fees",null,"Annually",null,null,"Management Fees",null,"Annually"]
["Other ",null,"Annually",null,null,"Other ",null,"Annually",null,null,"Other ",null,"Annually",null,null,"Other ",null,"Annually"]
["do not delete",null,null,null,null,"do not delete",null,null,null,null,"do not delete",null,null,null,null,"do not delete"]
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[null,null,null,"OtherMonthly",{"$f":"IF(C45 =\"\", 0,B45*VLOOKUP(C45,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B35","v":0},null,null,null,"OtherMonthly",{"$f":"IF(H45 =\"\", 0,G45*VLOOKUP(H45,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G35","v":0},null,null,null,"OtherMonthly",{"$f":"IF(M45 =\"\", 0,L45*VLOOKUP(M45,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L35","v":0},null,null,null,"OtherMonthly",{"$f":"IF(R45 =\"\", 0,Q45*VLOOKUP(R45,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q35","v":0}]
[null,null,null,"AnnualInterestByOwnership",{"$f":"B50*B51*B49","v":0},null,null,null,"AnnualInterestByOwnership",{"$f":"G50*G51*G49","v":0},null,null,null,"AnnualInterestByOwnership",{"$f":"L50*L51*L49","v":0},null,null,null,"AnnualInterestByOwnership",{"$f":"Q50*Q51*Q49","v":0}]
[null,null,null,"AnnualDepreciationByOwnership",{"$f":"B53*B49","v":0},null,null,null,"AnnualDepreciationByOwnership",{"$f":"G53*G49","v":0},null,null,null,"AnnualDepreciationByOwnership",{"$f":"L53*L49","v":0},null,null,null,"AnnualDepreciationByOwnership",{"$f":"Q53*Q49","v":0}]
[null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"B48*B49*12","v":0},null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"G48*G49*12","v":0},null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"L48*L49*12","v":0},null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"Q48*Q49*12","v":0}]
[null,null,null,"NegativeGearingPerAnnum",{"$f":"E48-E46-E47","v":0},null,null,null,"NegativeGearingPerAnnum",{"$f":"J48-J46-J47","v":0},null,null,null,"NegativeGearingPerAnnum",{"$f":"O48-O46-O47","v":0},null,null,null,"NegativeGearingPerAnnum",{"$f":"T48-T46-T47","v":0}]
[]
[null,null,null,"Expenses over 20% of Gross",{"$f":"IF(B48*B49*MiY-E53*MiY<B48*B49*MiY*Inc_Scaling,E53*MiY-B48*B49*MiY*Exp_Min,0)","v":0},null,null,null,"Expenses over 20% of Gross",{"$f":"IF(G48*G49*MiY-J53*MiY<G48*G49*MiY*Inc_Scaling,J53*MiY-G48*G49*MiY*Exp_Min,0)","v":0},null,null,null,"Expenses over 20% of Gross",{"$f":"IF(L48*L49*MiY-O53*MiY<L48*L49*MiY*Inc_Scaling,O53*MiY-L48*L49*MiY*Exp_Min,0)","v":0},null,null,null,"Expenses over 20% of Gross",{"$f":"IF(Q48*Q49*MiY-T53*MiY<Q48*Q49*MiY*Inc_Scaling,T53*MiY-Q48*Q49*MiY*Exp_Min,0)","v":0}]
[]
[null,null,null,"TotalMonthlyExpenses",{"$f":"IF(A46=\"\",0,IF(SUM(E54:E59)<W31,W31*B49,SUM(E54:E59)))","v":0},null,null,null,"TotalMonthlyExpenses",{"$f":"IF(F46=\"\",0,IF(SUM(J54:J59)<AB31,AB31*G49,SUM(J54:J59)))","v":0},null,null,null,"TotalMonthlyExpenses",{"$f":"IF(K46=\"\",0,IF(SUM(O54:O59)<AG31,AG31*L49,SUM(O54:O59)))","v":0},null,null,null,"TotalMonthlyExpenses",{"$f":"IF(P46=\"\",0,IF(SUM(T54:T59)<AL31,AL31*Q49,SUM(T54:T59)))","v":0}]
[null,null,null,"CouncilRatesMonthly",{"$f":"IF(C54 =\"\", 0,B54*VLOOKUP(C54,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B49","v":0},null,null,null,"CouncilRatesMonthly",{"$f":"IF(H54 =\"\", 0,G54*VLOOKUP(H54,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G49","v":0},null,null,null,"CouncilRatesMonthly",{"$f":"IF(M54 =\"\", 0,L54*VLOOKUP(M54,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L49","v":0},null,null,null,"CouncilRatesMonthly",{"$f":"IF(R54 =\"\", 0,Q54*VLOOKUP(R54,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q49","v":0}]
[null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(C55 =\"\", 0,B55*VLOOKUP(C55,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B49","v":0},null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(H55 =\"\", 0,G55*VLOOKUP(H55,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G49","v":0},null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(M55 =\"\", 0,L55*VLOOKUP(M55,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L49","v":0},null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(R55 =\"\", 0,Q55*VLOOKUP(R55,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q49","v":0}]
[null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(C56 =\"\", 0,B56*VLOOKUP(C56,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B49","v":0},null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(H56 =\"\", 0,G56*VLOOKUP(H56,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G49","v":0},null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(M56 =\"\", 0,L56*VLOOKUP(M56,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L49","v":0},null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(R56 =\"\", 0,Q56*VLOOKUP(R56,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q49","v":0}]
[null,null,null,"MaintenanceMonthly",{"$f":"IF(C57 =\"\", 0,B57*VLOOKUP(C57,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B49","v":0},null,null,null,"MaintenanceMonthly",{"$f":"IF(H57 =\"\", 0,G57*VLOOKUP(H57,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G49","v":0},null,null,null,"MaintenanceMonthly",{"$f":"IF(M57 =\"\", 0,L57*VLOOKUP(M57,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L49","v":0},null,null,null,"MaintenanceMonthly",{"$f":"IF(R57 =\"\", 0,Q57*VLOOKUP(R57,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q49","v":0}]
[null,null,null,"ManagementFeesMonthly",{"$f":"IF(C58 =\"\", 0,B58*VLOOKUP(C58,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B49","v":0},null,null,null,"ManagementFeesMonthly",{"$f":"IF(H58 =\"\", 0,G58*VLOOKUP(H58,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G49","v":0},null,null,null,"ManagementFeesMonthly",{"$f":"IF(M58 =\"\", 0,L58*VLOOKUP(M58,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L49","v":0},null,null,null,"ManagementFeesMonthly",{"$f":"IF(R58 =\"\", 0,Q58*VLOOKUP(R58,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q49","v":0}]
[null,null,null,"OtherMonthly",{"$f":"IF(C59 =\"\", 0,B59*VLOOKUP(C59,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B49","v":0},null,null,null,"OtherMonthly",{"$f":"IF(H59 =\"\", 0,G59*VLOOKUP(H59,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G49","v":0},null,null,null,"OtherMonthly",{"$f":"IF(M59 =\"\", 0,L59*VLOOKUP(M59,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L49","v":0},null,null,null,"OtherMonthly",{"$f":"IF(R59 =\"\", 0,Q59*VLOOKUP(R59,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q49","v":0}]
[null,null,null,"AnnualInterestByOwnership",{"$f":"B64*B65*B63","v":0},null,null,null,"AnnualInterestByOwnership",{"$f":"G64*G65*G63","v":0},null,null,null,"AnnualInterestByOwnership",{"$f":"L64*L65*L63","v":0},null,null,null,"AnnualInterestByOwnership",{"$f":"Q64*Q65*Q63","v":0}]
[null,null,null,"AnnualDepreciationByOwnership",{"$f":"B67*B63","v":0},null,null,null,"AnnualDepreciationByOwnership",{"$f":"G67*G63","v":0},null,null,null,"AnnualDepreciationByOwnership",{"$f":"L67*L63","v":0},null,null,null,"AnnualDepreciationByOwnership",{"$f":"Q67*Q63","v":0}]
[null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"B62*B63*12","v":0},null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"G62*G63*12","v":0},null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"L62*L63*12","v":0},null,null,null,"AnnualRentalIncomeByOwnership",{"$f":"Q62*Q63*12","v":0}]
[null,null,null,"NegativeGearingPerAnnum",{"$f":"E62-E60-E61","v":0},null,null,null,"NegativeGearingPerAnnum",{"$f":"J62-J60-J61","v":0},null,null,null,"NegativeGearingPerAnnum",{"$f":"O62-O60-O61","v":0},null,null,null,"NegativeGearingPerAnnum",{"$f":"T62-T60-T61","v":0}]
[]
[null,null,null,"Expenses over 20% of Gross",{"$f":"IF(B62*B63*MiY-E67*MiY<B62*B63*MiY*Inc_Scaling,E67*MiY-B62*B63*MiY*Exp_Min,0)","v":0},null,null,null,"Expenses over 20% of Gross",{"$f":"IF(G62*G63*MiY-J67*MiY<G62*G63*MiY*Inc_Scaling,J67*MiY-G62*G63*MiY*Exp_Min,0)","v":0},null,null,null,"Expenses over 20% of Gross",{"$f":"IF(L62*L63*MiY-O67*MiY<L62*L63*MiY*Inc_Scaling,O67*MiY-L62*L63*MiY*Exp_Min,0)","v":0},null,null,null,"Expenses over 20% of Gross",{"$f":"IF(Q62*Q63*MiY-T67*MiY<Q62*Q63*MiY*Inc_Scaling,T67*MiY-Q62*Q63*MiY*Exp_Min,0)","v":0}]
[]
[null,null,null,"TotalMonthlyExpenses",{"$f":"IF(A60=\"\",0,IF(SUM(E68:E73)<W45,W45*B63,SUM(E68:E73)))","v":0},null,null,null,"TotalMonthlyExpenses",{"$f":"IF(F60=\"\",0,IF(SUM(J68:J73)<AB45,AB45*G63,SUM(J68:J73)))","v":0},null,null,null,"TotalMonthlyExpenses",{"$f":"IF(K60=\"\",0,IF(SUM(O68:O73)<AG45,AG45*L63,SUM(O68:O73)))","v":0},null,null,null,"TotalMonthlyExpenses",{"$f":"IF(P60=\"\",0,IF(SUM(T68:T73)<AL45,AL45*Q63,SUM(T68:T73)))","v":0}]
[null,null,null,"CouncilRatesMonthly",{"$f":"IF(C68 =\"\", 0,B68*VLOOKUP(C68,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B63","v":0},null,null,null,"CouncilRatesMonthly",{"$f":"IF(H68 =\"\", 0,G68*VLOOKUP(H68,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G63","v":0},null,null,null,"CouncilRatesMonthly",{"$f":"IF(M68 =\"\", 0,L68*VLOOKUP(M68,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L63","v":0},null,null,null,"CouncilRatesMonthly",{"$f":"IF(R68 =\"\", 0,Q68*VLOOKUP(R68,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q63","v":0}]
[null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(C69 =\"\", 0,B69*VLOOKUP(C69,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B63","v":0},null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(H69 =\"\", 0,G69*VLOOKUP(H69,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G63","v":0},null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(M69 =\"\", 0,L69*VLOOKUP(M69,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L63","v":0},null,null,null,"BodyCorporateFeesMonthly",{"$f":"IF(R69 =\"\", 0,Q69*VLOOKUP(R69,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q63","v":0}]
[null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(C70 =\"\", 0,B70*VLOOKUP(C70,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B63","v":0},null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(H70 =\"\", 0,G70*VLOOKUP(H70,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G63","v":0},null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(M70 =\"\", 0,L70*VLOOKUP(M70,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L63","v":0},null,null,null,"LandlordInsuranceMonthly",{"$f":"IF(R70 =\"\", 0,Q70*VLOOKUP(R70,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q63","v":0}]
[null,null,null,"MaintenanceMonthly",{"$f":"IF(C71 =\"\", 0,B71*VLOOKUP(C71,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B63","v":0},null,null,null,"MaintenanceMonthly",{"$f":"IF(H71 =\"\", 0,G71*VLOOKUP(H71,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G63","v":0},null,null,null,"MaintenanceMonthly",{"$f":"IF(M71 =\"\", 0,L71*VLOOKUP(M71,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L63","v":0},null,null,null,"MaintenanceMonthly",{"$f":"IF(R71 =\"\", 0,Q71*VLOOKUP(R71,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q63","v":0}]
[null,null,null,"ManagementFeesMonthly",{"$f":"IF(C72 =\"\", 0,B72*VLOOKUP(C72,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B63","v":0},null,null,null,"ManagementFeesMonthly",{"$f":"IF(H72 =\"\", 0,G72*VLOOKUP(H72,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G63","v":0},null,null,null,"ManagementFeesMonthly",{"$f":"IF(M72 =\"\", 0,L72*VLOOKUP(M72,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L63","v":0},null,null,null,"ManagementFeesMonthly",{"$f":"IF(R72 =\"\", 0,Q72*VLOOKUP(R72,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q63","v":0}]
[null,null,null,"OtherMonthly",{"$f":"IF(C73 =\"\", 0,B73*VLOOKUP(C73,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*B63","v":0},null,null,null,"OtherMonthly",{"$f":"IF(H73 =\"\", 0,G73*VLOOKUP(H73,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*G63","v":0},null,null,null,"OtherMonthly",{"$f":"IF(M73 =\"\", 0,L73*VLOOKUP(M73,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*L63","v":0},null,null,null,"OtherMonthly",{"$f":"IF(R73 =\"\", 0,Q73*VLOOKUP(R73,'Living Expenses Worksheet'!$Q$1:$R$5,2,FALSE))/MiY*Q63","v":0}]

{"sheet":"LAC Guide","index":5,"n_rows":29,"n_cols":4,"rows_kept":29,"cut":false,"hidden":true,"merged":[[17,0,18,0],[2,0,3,0],[2,1,3,1],[4,0,5,0],[6,1,7,1],[8,0,9,0]]}
["Term","Definition",null,"Basic Living Expenses"]
["Living Expenses","Necessary cost of living includes food, entertainment, vehicle expenses, PPR utilities, boat/caravan expenses, investment house expenses."]
["Declared Living Expenses","Value of living expenses declared by applicants to cover necessary cost of living expenses as listed above"]
[]
["Benchmark Living Expenses previously referred to as Standard Living Expenses","Value of living expenses adopted by QCCU based on Household Expenditure Measure (HEM) using various family unit types (e.g. couple +1) and indexed according to income brackets.",null,"Discretionary / additional expenses"]
[null,"Benchmark living expenses includes food, expenses for 1 vehicle and PPR utilities, additional vehicles (including boats & bikes) and investment properties are to be added as necessary."]
["Other Household Expenses","Other Expenses includes rent/board, child support, day care and private school fees, other child expenses, health insurance,  insurance (personal) , debts with ATO, SPER, holidays"]
["previously referred to as Discretionary Expenses"]
["Commitments","Repayments on existing mortgage loans, personal loans, credit cards, store cards.  The repayments as detailed in the loan contract should be input in the LAC, it should not include any additional payments made at the discretion of the debtor."]
[null,"Provision to include Rent /Board."]
[]
["Living Expenses","Covers and includes"]
["Food & Groceries","Groceries, butcher, take- away, coffee, work lunches"]
["Entertainment & Recreation","Restaurants, events, birthdays, presents, alcohol, memberships/subscriptions (e.g. gym, golf, magazines)"]
["Vehicle Expenses","Insurance, fuel, registration, servicing, repairs, tyres"]
["Owner Occupied Home Expenses","Insurance, rates, electricity, phone, mobile, internet, gas, pay tv, pool/yard maintenance"]
["Investment House Expenses","Insurance, rates"]
["Boat/Caravan Expenses","Insurance, fuel, registration, servicing, repairs"]
[null,"Includes all types of recreational water craft and accommodation vehicles i.e. boat, yacht, jet ski, caravan, campervan,  camper trailer, 5th wheeler, motor home"]
[]
["Other Household Expenses","Covers and includes"]
["Child Support","Voluntary and mandatory child support payments"]
["Day Care & Private School Fees"]
["Other Child Expenses","Sport costs"]
["Medical Expenses","Prescriptions, medical, dental, optical"]
["Health Insurance"]
["Insurance (personal)","Life insurance, income protection"]
["Holidays"]
["ATO/SPER debts"]

{"sheet":"LAC Instructions","index":6,"n_rows":83,"n_cols":8,"rows_kept":83,"cut":false,"hidden":false,"merged":[[70,0,77,0],[78,0,82,0],[58,0,62,0],[69,0,69,3],[63,0,68,0],[0,0,0,3],[1,0,1,3],[41,0,41,3],[56,0,56,3],[2,0,2,3],[13,0,22,0],[23,0,28,0],[29,0,32,0],[33,0,40,0],[42,0,55,0],[5,0,12,0]]}
["LAC Instructions and Information"]
["Refer to applicable section for further details of the input and information required to calculate loan affordability.        \n\nThis instruction and information does not replace policy. Always refer to applicable policies as the source of truth.\n\nRefer to Branch Lending Policy 0300, Business and Commercial Lending Policy 0600, for accurate and up to date restrictions and requirements. \n\nRefer to Acceptable Income Guide GUD 0375 for details on acceptable income calculation methods.  "]
["Loan Affordability "]
[null,"Type and Input","Information ","Verification / Details"]
["NCCPA","NCCPA Assessment Questionnaire","Questionnaire is to be completed to deterime if NCCPA Act applies to the credit facility.  Credit Facility is protected by the NCCPA if it is a regualted facility.","Completed Questionnaire"]
["Income ","Gross Annual Income","Enter base wage or salary","Pay advices, PAYG Summaries/Income Statements, Tax Return "]
[null,"Gross Non-standard Income ","Enter permissible non-standard income shaded to 80%","Non-standard income includes overtime, allowances and must be verified per policy to include in income assessment"]
[null,"Gross Annual Rental Income","Total gross income received from Rental ","Refer to GUD 0702 Minimum Supporting Document Guide - Rental Income"]
[null,"Net Monthly Income","Net income is your take home pay after taxes and other payroll deductions.","Verification of payslips i.e. take home pay (net Income)"]
[null,"Non Taxable Annual Income","Annual Income that is deemed tax free","Examples include government allowances, carer payments, rent assistance, child support payments etc.                        "]
[null,"Net Monthly Non Taxable ","Income earned monthly that is deemed tax free","As Above"]
[null,"Self-employed Income","Self Employed Income is derived from business activities where the member works for themselves or contracts","Refer to GUD 0702 Minimum Supporting Document Guide - Sole Traders, Partnership and Contractors"]
[null,"Total Monthly Income",null,"All Monthly income that is being used for servicing.      \n              \nHousehold 1 includes applicant 1, applicant 2, and self-employed income.\n\nHousehold 2 includes applicant 3 and applicant 4 income."]
["Expenses","Declared Living Expenses (monthly)","Enter Members declared living expenses into the Living Expenses section. ","Statement history, Member advised"]
[null,"Investment Property Expenses in Excess of 20%","Enter Actual Investment property expenses into the Investment property tab.\nA minimum of 20% of Gross Rental Income will be removed from Net Income to account for expenses. Actual Expenses above 20% of Gross Rental Income will be carried over to Other Household Expenses \n*please note that these amounts are calculated per property.\n","Actual investment property expenses, ie: Tax return, rates notices, body corporate, levies, insurances, etc."]
[null,"Household 1","Incorporates applicant 1 and applicant 2 combined income plus any self-employed income.  Benchmark Living Expenses includes provision for one house and one motor vehicle. ","Statement history, Member advised"]
[null,"Household 2 ","Incorporates applicant 3 and applicant 4 combined income. Benchmark Living Expenses includes provision for one house and one motor vehicle.","Statement history, Member advised"]
[null,"Additional Children","Enter number of dependents if more than 3.","Member advised "]
[null,"Additional Vehicle","Enter number of additional vehicles. Benchmark Living Expenses includes provision for one motor vehicle. ","Statement history, Member advised"]
[null,"Motor Bike","Enter consolidated number of all motor bikes. ","Statement history, Member advised"]
[null,"Watercraft / Caravan","Enter consolidated number of any boats, jet skis, caravans, camper trailers etc. ","Statement history, Member advised"]
[null,"Other","Enter other expenses such as HECS, SPER etc. Actual investment property expenses that are above the 20% will be displayed here and shown in the Total Other Expenses under the Servicing Summary section ","Statement, Advice, Member advised "]
[null,"Total Other Monthly Expenses","Calculates total living expenses that are not included in HEM measure. ","Includes child support, personal insurances, private school fees, Investment property expenses above 20% haircut, and any other expenses. "]
["Commitments","Existing Mortgage Loan/s","Enter all OFI and QCB existing mortgage loans in to the Existing Mortgage Commitments calculator. ","Sensitivity margin is 3.0%                                             Residential floor rate is 5.50%                                                           Commercial floor rate is 7.50%"]
[null,"Existing Personal Loan/s","Enter total of all actual repayment amounts of existing personal loan facilities. ","Total of Monthly personal loan repayments "]
[null,"Existing Credit Card Limit/s","Enter the total amount of all credit card, store card, and buy-now pay-later facility limits","Full limits of credit card, store card, and buy-now pay-later facility required"]
[null,"Other Liabilities","Include all other liabilities monthly repayments ","example - Remserv Lease payments"]
[null,"Rent / Board","Full rental or board commitment is entered into the Living Expenses section.  ","Minimum amount of $430 to be applied where Member does not pay rent or board or lives at home. "]
[null,"Existing debts","Enter the total balances of all existing debts. Include the total loan balance and credit limit of all debts, such as other mortgage lending, personal loans, credit cards, consumer finance, margin lending, buy now pay later (BNPL) debt, higher education loan program (HELP) debt, or higher education contribution scheme (HECS) debt, and any other debts held by the borrower, to any party, to the extent this is known to Queensland Country. Exclude the proposed new loan facility. ","Refer to GUD 0702 Minimum Supporting Document Guide"]
["Proposed New Lending","Proposed New Loan Amount","Enter total loan amount or expected loan amount including all applicable fees and LMI","Loan amount incorporating fees etc. must match loan amount in the system"]
[null,"Interest Rate","Enter actual interest rate selected","Ensure interest rate matches product selected"]
[null,"Term (months)","Enter the proposed loan term","Ensure term is suitable "]
[null,"Proposed New Visa Limit","Enter the limit of any proposed visa facility ","amount to match in lending system"]
["Servicing Summary","Net surplus excluding new loan","Calculated surplus funds available after all expenses, commitments and sensitisation. ","This figure does not include the proposed loan repayment. "]
[null,"Proposed New Loan repayment","Calculated repayment of new loan. Note this may differ from that calculated in Symtrix/CBS. ","This figure should not be provided to Members as an indication of the proposed loan repayment. "]
[null,"Living Expenses method","HEM is used to determine benchmark living expenses per prudential standards. \n\nThe higher of benchmark and declared living expenses is adopted in the serviceability calculation. ","HEM represents a statistical basic lifestyle and does not account for individual circumstances. Each individual's lifestyle and living expenses differ. You must make reasonable enquires into a Members financial position, including establishing realistic cost of living expenses and identifying all liabilities requiring payments."]
[null,"Loan to Income Ratio (LTI)","LTI measures the amount of the proposed loan to overall income. ","Ensure Loan amount and income are verified and input correctly"]
[null,"Debt to Income Ratio (DTI)","DTI is a measure that compares the amount of all debt held by the borrower including the proposed loan to overall gross income.","Pass result </=5 (Green)\n\nReview result >5 </=6 (Amber)\n\nDTI maximum limit within policy is 6. \nRefer result >6 (Red) can only be approved by a member of the Credit Committee. \n\nGenerally, a DTI higher than six times a members’ income is considered a higher risk and may result in financial stress. For example, if the members financial situation were to change suddenly, or interest rates or living expenses were to rise dramatically. A high DTI ratio can be a signal that the borrower has substantial debts and liabilities for the amount of income they earn. A low DTI demonstrates a good balance between income and debt. It signals that a member can manage their debts and repay loans on time without financial stress."]
[null,"Debt Servicing Ratio (DSR)","Debt service ratio is a ratio of monthly total debt servicing requirements. As a percentage of monthly income that is available to repay debt.","Pass result </=80% (Green)\n\nReview result >80% </=90% (Amber) \n\nDSR maximum within policy is 90%. \nRefer result >90% (Red) can only be approved within Credit. \n\nGenerally, a DSR >90% indicates a member may not have sufficient income to cover their debt obligations, while a calculation less that 80% indicates that the member has the ability to pay off its debt obligations."]
[null,"Net Income Surplus (NIS)","Net income Surplus measures a borrowers surplus income over all general living expenses after loan repayments. NIS is determined on an after tax basis.","Pass result >/=$200 (Green)\n\nReview result >/= 0 <$200 (Amber)\n\nNIS minimum amount within policy is $0.\nRefer result <$0 (Red) can only be approved within Credit. \n\nGenerally, surplus income should be evident when determining the suitability of a loan. The larger the surplus, the stronger the members serviceability position. NIS of $200 and less is considered marginal. Where a members' expenses outstrip their income, a deficit position will be evident. "]
[null,"Servicing Result","Pass, Review, or Refer/Fail","‘Pass’ in terms of serviceability and assessment of capacity to repay.\n\n'Review' indicates further review and appropriate mitigation is required by the Lenders and/or delegated lending authority holder in validating serviceability and capacity to repay.\n\n‘Refer’ indicates an application does not meet the minimum serviceability requirements and is considered marginal. Therefore may result in a fail, or further review and extensive mitigation in validating serviceability and capacity to repay will be required if the proposal is deemed not unsuitable and reasonable to escalate to Credit for consideration."]
["Living Expenses                                                                                                                                                                                                                Review of 1 month statement for applicants primary transactional account/s                                                                                                              (additional statements may be required to verify ongoing expenses)",null,null,null,null,null,null,"xl"]
["Declared Expenses","Type and Input","Information ","Verification / Details"]
[null,"Transport and Vehicle Expenses","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Property Expenses","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Services and Utilities","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Food and Groceries","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Recreation and Entertainment","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Child Expenses","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Health and Wellbeing","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Other Living Expenses","Other Monthly regular occurring expenses ","Add details for all other living expenses as required"]
[null,"Child Support ","Monthly amount paid","Review borrowers self assessed living expenses against bank statements, payslips or notice"]
[null,"Personal Insurances (Life, Health)","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Private School Fees","Monthly amount paid","Review borrowers self assessed living expenses against bank statements "]
[null,"Rent/Board","Actual Rent/Board amount being paid monthly","Required to verify amount of commitment.\n\nExample of Rent- single applicant in defacto relationship (half the rent amount acceptable if evidenced that defacto is covering half share).             \n                                          \nExample of Board - evidence of board amount being paid, if no evidence available, lender is to comment on realistic amount of board.                                                             \n\nMinimum rent/board to be applied of $100 per week, entered as $433 per month, or the higher amount if disclosed by the Member."]
[null,"Actual Investment Property Expenses ","Carries over from \"Investment Properties\" tab."]
["Investment Properties"]
[null,"Type and Input","Information ","Verification / Details"]
["Property Information ","Property Reference ","Add Street address i.e. number and name ","Valuation, Rates Notice, Title Search, Bank Statement etc. "]
[null,"Rental income ","Input gross rental income received or the proposed rental income per month. Full gross rent is displayed in LAC tab.  Rental income is shaded to 80% per prudential standards.      Note commercial rental income must be shaded to 60%, manual adjustment is required where commercial rental income is received. ","Rental statement, tenancy agreement, Tax Return"]
[null,"Ownership Percentage","If sole owner and lending facility holder, enter 100%. If joint share enter 50% etc. ","Title search or Member advised "]
[null,"Balance of investment loan","Input loan balance plus available redraw. ","Loan account statement or CBS if loan held with QCB"]
[null,"Loan Interest Rate","Input actual interest rate of related investment lending facility per statement.  ","Loan account statement or CBS if loan held with QCB"]
["Property Expenses","Council Rates","Input at 100% ","Rates notice, Tax Return"]
[null,"Body Corporate fees","Input at 100%  ","Statement, Tax Return"]
[null,"Landlord insurances","Input at 100% ","Statement, Tax Return"]
[null,"Maintenance","Input 100% ","Tax Return"]
[null,"Management Fees","Input 100% ","Rental statement, Tax Return"]
[null,"Other ","Input 100% of all other investment property expenses","Tax Return"]
["Self-employed "]
["Financial Information","Type and Input","Information ","Verification / Details"]
[null,"Financial year","Input relevant financial year of information"]
[null,"Self-employed income","Self Employed Income is derived from business activities where the member works for themselves or contracts","Refer to GUD 0702 Minimum Supporting Document Guide - Sole Traders, Partnership and Contractors"]
[null,"Gross Profit","The difference between sales and the direct cost of the making sales ","Tax Return, Financial Statements  "]
[null,"Less Expenses",null,"Tax Return, Financial Statements  "]
[null,"Net Profit before tax","The total gross profit minus all business expense","Tax Return, Financial Statements  "]
[null,"Less Tax",null,"Tax Return, Financial Statements  "]
[null,"Net Profit after tax","Total gross profit minus all business expenses before paying taxes ","Tax Return, Financial Statements  "]
["Add-backs","Depreciation","The process of offsetting an asset over a period of time. You can depreciate an asset to spread the cost of the asset over its useful life. ","Tax Return, Financial Statements.\n\nDepreciation add backs in excess of $50,000.00 must be adequately mitigated in loan note commentary. \n\nDepreciation add backs in excess of $150,000.00 will only be accepted where deemed appropriate and where approval is provided in accordance with Branch Lending Policy 0300.    "]
[null,"Interest paid","The cost of borrowing money on a loan or earned on an interest-bearing account.","Tax Return, Financial Statements  "]
[null,"Leasing expenses","Leasing expenses can be added back at 100% of the actual expense incurred within the financial year ","Tax Return, Financial Statements  "]
[null,"Abnormal expenses","Non-recurring expenses or one off items ","Tax Return, Financial Statements  "]
[null,"Other ","Other add backs should only enhance serviceability and should not relied upon to meet commitments ","Tax Return, Financial Statements  "]

{"sheet":"Calculations","index":7,"n_rows":77,"n_cols":30,"rows_kept":77,"cut":false,"hidden":true,"merged":[]}
["Income",null,null,null,null,null,null,null,null,"Other Expenses",null,null,null,null,null,"Other Living ","Security Type",null,"Living Expenses",null,"Named Range Lists",null,null,"Term"]
[null,null,null,null,null,null,null,null,null,"No of Children",{"$f":"IF('Loan Affordability Calculator'!B46=0,0,IF('Loan Affordability Calculator'!B46=1,250,IF('Loan Affordability Calculator'!B46=2,500,IF('Loan Affordability Calculator'!B46=3,750,IF('Loan Affordability Calculator'!B46=4,1000,IF('Loan Affordability Calculator'!B46=5,1250,IF('Loan Affordability Calculator'!B46=6,1500,IF('Loan Affordability Calculator'!B46=7,1750))))))))","v":0},null,null,null,null,"Child Support","Residential",null,"Single",null,"Months in Year","MiY",12,180]
[null,null,null,null,"Calculated Tax Rate %","Gearing Tax Adjustment ","Gearing Position",null,null,"Additional Vehicle",{"$f":"IF('Loan Affordability Calculator'!B47=1,230,IF('Loan Affordability Calculator'!B47=2,460,IF('Loan Affordability Calculator'!B47=3,690,IF('Loan Affordability Calculator'!B47=4,920,IF('Loan Affordability Calculator'!B47=5,1150,)))))","v":0},null,null,null,null,"Private School Fees","Commercial",null,"Single plus 1",null,"Income Scaling","Inc_Scaling",0.8,300]
["Applicant 1 T.G.A.I.",{"$f":"'Loan Affordability Calculator'!B12*Inc_Scaling+'Loan Affordability Calculator'!B10+'Loan Affordability Calculator'!B11","v":0},"Applicant 1 Adjusted T.G.A.I.",{"$f":"B4-B5","v":0},null,null,null,"Gross Self Employed",{"$f":"'Self-employed Income'!C37","v":0},"Motorbike",{"$f":"IF('Loan Affordability Calculator'!B48=1,160,IF('Loan Affordability Calculator'!B48=2,320,IF('Loan Affordability Calculator'!B48=3,480,IF('Loan Affordability Calculator'!B48=4,640,))))","v":0},null,null,null,null,"Child Expenses",null,null,"Single plus 2",null,"Expenses Minimum","Exp_Min",0.2]
["NegativeGearingPerAnnum",{"$f":"SUMIFS('Investment Properties'!E:E,'Investment Properties'!D:D,\"NegativeGearingPerAnnum\", 'Investment Properties'!E:E,\"<0\")*-1","v":0},"Applicant 1 Tax",{"$f":"IF(D4<=18200,0,IF(D4<=45000,(((D4-18200)*19%)),IF(D4<=120000,((((D4-45000)*32.5%)+5092)),IF(D4<=180000,((((D4-120000)*37%)+29467)),IF(D4>180000,((((D4-180000)*45%)+51667)))))))+(D4*Medicare_Levy)","v":0},{"$f":"IF(D4<=18200,\"0\",IF(D4<=45000,\"19\",IF(D4<=120000,\"32.5\",IF(D4<=180000,\"37\",IF(D4>180000,\"45\")))))","v":"0"},{"$f":"B5*(E5/100)","v":0},{"$f":"IF(F5=0,\"Positive Gearing\",\"Negative Gearing\")","v":"Positive Gearing"},null,null,"Boat/Jet Ski",{"$f":"IF('Loan Affordability Calculator'!B49=1,120,IF('Loan Affordability Calculator'!B49=2,240,IF('Loan Affordability Calculator'!B49=3,360,IF('Loan Affordability Calculator'!B49=4,480,))))","v":0},null,null,null,null,"Medical Expenses",null,null,"Single plus 3",null,"Medicare_Levy","Medicare_Levy",0.02]
["Applicant 2 T.G.A.I.",{"$f":"'Loan Affordability Calculator'!B21*Inc_Scaling+'Loan Affordability Calculator'!B19+'Loan Affordability Calculator'!B20","v":0},"Applicant 2 Adjusted T.G.A.I.",{"$f":"B6-B7","v":0},null,null,null,null,null,"Total Expenses",{"$f":"SUM(K2+K3+K4+K5+T30)","v":0},null,null,null,null,"Health Insurance",null,null,"Couple"]
["NegativeGearingPerAnnum",{"$f":"SUMIFS('Investment Properties'!J:J,'Investment Properties'!I:I,\"NegativeGearingPerAnnum\", 'Investment Properties'!J:J,\"<0\")*-1","v":0},"Applicant 2 Tax",{"$f":"IF(D6<=18200,0,IF(D6<=45000,(((D6-18200)*19%)),IF(D6<=120000,((((D6-45000)*32.5%)+5092)),IF(D6<=180000,((((D6-120000)*37%)+29467)),IF(D6>180000,((((D6-180000)*45%)+51667)))))))+(D6*Medicare_Levy)","v":0},{"$f":"IF(D6<=18200,\"0\",IF(D6<=45000,\"19\",IF(D6<=120000,\"32.5\",IF(D6<=180000,\"37\",IF(D6>180000,\"45\")))))","v":"0"},{"$f":"B7*(E7/100)","v":0},{"$f":"IF(F7=0,\"Positive Gearing\",\"Negative Gearing\")","v":"Positive Gearing"},null,null,null,null,null,null,null,null,"Other Personal Insurance",null,null,"Couple plus 1",null,null,null," "]
["Applicant 3 T.G.A.I.",{"$f":"'Loan Affordability Calculator'!F12*Inc_Scaling+'Loan Affordability Calculator'!F10+'Loan Affordability Calculator'!F11","v":0},"Applicant 3 Adjusted T.G.A.I.",{"$f":"B8-B9","v":0},null,null,null,null,null,null,null,null,null,null,null,"ATO or SPER debts",null,null,"Couple plus 2"]
["NegativeGearingPerAnnum",{"$f":"SUMIFS('Investment Properties'!O:O,'Investment Properties'!N:N,\"NegativeGearingPerAnnum\", 'Investment Properties'!O:O,\"<0\")*-1","v":0},"Applicant 3 Tax",{"$f":"IF(D8<=18200,0,IF(D8<=45000,(((D8-18200)*19%)),IF(D8<=120000,((((D8-45000)*32.5%)+5092)),IF(D8<=180000,((((D8-120000)*37%)+29467)),IF(D8>180000,((((D8-180000)*45%)+51667)))))))+(D8*Medicare_Levy)","v":0},{"$f":"IF(D8<=18200,\"0\",IF(D8<=45000,\"19\",IF(D8<=120000,\"32.5\",IF(D8<=180000,\"37\",IF(D8>180000,\"45\")))))","v":"0"},{"$f":"B9*(E9/100)","v":0},{"$f":"IF(F9=0,\"Positive Gearing\",\"Negative Gearing\")","v":"Positive Gearing"},null,null,null,null,null,null,null,null,null,null,null,"Couple plus 3"]
["Applicant 4 T.G.A.I.",{"$f":"'Loan Affordability Calculator'!F21*Inc_Scaling+'Loan Affordability Calculator'!F19+'Loan Affordability Calculator'!F20","v":0},"Applicant 4 Adjusted T.G.A.I.",{"$f":"B10-B11","v":0},null,null,null,null,null,"Investment property expense benchmark:",0]
["NegativeGearingPerAnnum",{"$f":"SUMIFS('Investment Properties'!T:T,'Investment Properties'!S:S,\"NegativeGearingPerAnnum\", 'Investment Properties'!T:T,\"<0\")*-1","v":0},"Applicant 4 Tax",{"$f":"IF(D10<=18200,0,IF(D10<=45000,(((D10-18200)*19%)),IF(D10<=120000,((((D10-45000)*32.5%)+5092)),IF(D10<=180000,((((D10-120000)*37%)+29467)),IF(D10>180000,((((D10-180000)*45%)+51667)))))))+(D10*Medicare_Levy)","v":0},{"$f":"IF(D10<=18200,\"0\",IF(D10<=45000,\"19\",IF(D10<=120000,\"32.5\",IF(D10<=180000,\"37\",IF(D10>180000,\"45\")))))","v":"0"},{"$f":"B11*(E11/100)","v":0},{"$f":"IF(F11=0,\"Positive Gearing\",\"Negative Gearing\")","v":"Positive Gearing"},null,null,null,null,null,null,null,null,null,null,null," "]
["Net Income Applicant 1",{"$f":"(B4-D5)/12+B18","v":0}]
["Net Income Applicant 2",{"$f":"(B6-D7)/12+B20","v":0}]
["Net Income Applicant 3",{"$f":"(B8-D9)/12+B22","v":0}]
["Net Income Applicant 4",{"$f":"(B10-D11)/12+B24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"Health Insurance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Household Insurance"]
["Applicant 1 Net Annual Other",{"$f":"SUM('Loan Affordability Calculator'!B14)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"Rates"]
["Applicant 1 Net Monthly Other",{"$f":"B17/12","v":0},null,null,null,null,null,null,null," "," ",null,null,null,null,"Pay TV"]
["Applicant 2 Net Annual Other",{"$f":"SUM('Loan Affordability Calculator'!B23)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"Daycare (after rebate) Fees"]
["Applicant 2 Net Monthly Other",{"$f":"B19/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"Private School Fees"]
["Applicant 3 Net Annual Other",{"$f":"SUM('Loan Affordability Calculator'!F14)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"Other"]
["Applicant 3 Net Monthly Other",{"$f":"B21/12","v":0}]
["Applicant 4 Net Annual Other",{"$f":"SUM('Loan Affordability Calculator'!F23)","v":0}]
["Applicant 4 Net Monthly Other",{"$f":"B23/12","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Income","Income Band","Living Expense Cat.","Reference Field"]
["Sensitised Rate Calculation",{"$f":"SUM('Loan Affordability Calculator'!F41+B28)","v":0.03},null,null,null,null,null,null,null,"Expense types",null,null,null,null,null,null,null,null,"Living Expense to apply - Applicant 1 & 2",{"$f":"IFERROR(VLOOKUP($X$27,HemTable1,($V$27+1),FALSE),0)","v":0},{"$f":"B4+B6+I4+B17+B19","v":0},{"$f":"V66","v":1},{"$f":"'Loan Affordability Calculator'!B44","v":0},{"$f":"VLOOKUP(W27,$R$42:$S$50,2,FALSE)","v":{"$error":"#N/A"}}]
["Sensitised Rate ",0.03,null,null,null,null,null,null,null,"Declared",null,null,null,null,null,null,null,null,"Living Expense to apply - Applicant 3 & 4",{"$f":"IFERROR(VLOOKUP($X$28,HemTable1,($V$28+1),FALSE),0)","v":0},{"$f":"B8+B10+B21+B23","v":0},{"$f":"W66","v":1},{"$f":"'Loan Affordability Calculator'!B45","v":0},{"$f":"VLOOKUP(W28,$R$42:$S$50,2,FALSE)","v":{"$error":"#N/A"}}]
["New Loan Repayment",{"$f":"IF('Loan Affordability Calculator'!F40>0,-PMT(B36/12,'Loan Affordability Calculator'!F42,'Loan Affordability Calculator'!F40,0,0),0)","v":0},null,null,null,null,null,null,null,"Benchmark",null,null,null,null,null,null,null,null,"Total Living Expense",{"$f":"T27+T28","v":0}]
["Affordability",{"$f":"IF(AND('Loan Affordability Calculator'!F45=0,'Loan Affordability Calculator'!F52=0),0,IF('Loan Affordability Calculator'!F45/'Loan Affordability Calculator'!F52>100%,\"Refer to Credit Dept\",'Loan Affordability Calculator'!F45/'Loan Affordability Calculator'!F52))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Living Expense per month ",{"$f":"T29*52/12","v":0}]
[]
["Visa Repayment",{"$f":"B49","v":0},null,null,null,null,null,null,null,"Self employed worksheet","DSR","Income","NDI exc new repayment","New repayment","Net Surplus"]
["New Repayment",{"$f":"IF(AND(Calculations!B32=0,Calculations!B29=0),0,IF(B32>0,('Loan Affordability Calculator'!F43*5%*12),(-PMT(B27/12,'Loan Affordability Calculator'!F42,'Loan Affordability Calculator'!F40,0,0))))","v":0},null,null,null,null,null,null,null,"Avg most recent and prior year",{"$f":"N33/M33","v":{"$error":"#DIV/0!"}},{"$f":"'Loan Affordability Calculator'!F28","v":0},{"$f":"Calculations!L33-'Loan Affordability Calculator'!F49-'Loan Affordability Calculator'!F50-'Loan Affordability Calculator'!F51","v":0},{"$f":"'Loan Affordability Calculator'!F45","v":0},{"$f":"M33-N33","v":0},null,null,null,null,"\"HEM Table 1\" equivalent: by Income Level and Residency"]
[null,{"$f":"IF(AND(Calculations!B32>0,Calculations!B29>0),\"Error\",IF(B32>0,('Loan Affordability Calculator'!F43*5%),(-PMT(B36/12,'Loan Affordability Calculator'!F42,'Loan Affordability Calculator'!F40,0,0))))","v":{"$error":"#NUM!"}},null,null,null,null,null,null,null,"Most recent year",{"$f":"N34/M34","v":{"$error":"#DIV/0!"}},{"$f":"'Loan Affordability Calculator'!F28-'Loan Affordability Calculator'!F27+('Self-employed Income'!C36/12)","v":0},{"$f":"Calculations!L34-'Loan Affordability Calculator'!F49-'Loan Affordability Calculator'!F50-'Loan Affordability Calculator'!F51","v":0},{"$f":"'Loan Affordability Calculator'!F45","v":0},{"$f":"M34-N34","v":0},null,null,null,null,"BASED ON PREDICTED VALUES FROM THE QUANTILE REGRESSIONS"]
["Floor Rate",5.5E-2,null,null,null,null,null,null,null,"Prior year 1",{"$f":"N35/M35","v":{"$error":"#DIV/0!"}},{"$f":"'Loan Affordability Calculator'!F28-'Loan Affordability Calculator'!F27+('Self-employed Income'!E36/12)","v":0},{"$f":"Calculations!L35-'Loan Affordability Calculator'!F49-'Loan Affordability Calculator'!F50-'Loan Affordability Calculator'!F51","v":0},{"$f":"'Loan Affordability Calculator'!F45","v":0},{"$f":"M35-N35","v":0},null,null,null,null,"Smoothed HEM"]
["Rate to use for repayment ",{"$f":"IF(B27>B35,B27,B35)","v":5.5E-2},null,null,null,null,null,null,null,"Prior year 2",{"$f":"N36/M36","v":{"$error":"#DIV/0!"}},{"$f":"'Loan Affordability Calculator'!F28-'Loan Affordability Calculator'!F27+('Self-employed Income'!G36/12)","v":0},{"$f":"Calculations!L36-'Loan Affordability Calculator'!F49-'Loan Affordability Calculator'!F50-'Loan Affordability Calculator'!F51","v":0},{"$f":"'Loan Affordability Calculator'!F45","v":0},{"$f":"M36-N36","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Up",63000.000999999997,76000.001000000004,101000.001,126000.001,151000.00099999999,176000.00099999999,202000.00099999999,252000.00099999999,315000.00099999999,378000.00099999999]
["Yes",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"to","to","to","to","to","to","to","to","to","to","to"]
["No",null,null,null,null,null,null,null,null,"Self employed tax calcs",null,null,null,null,null,null,null,null,null,63000,76000,101000,126000,151000,176000,202000,252000,315000,378000,630000]
[null,null,null,null,null,null,null,null,null,"Most recent year",{"$f":"'Self-employed Income'!C16*30%","v":0},null,null,null,null,null,null,"Balance of QLD","reference field",1,2,3,4,5,6,7,8,9,10,11]
["Credit Card amortisation calcs",null,null,null,null,null,null,null,null,"Prior year 1",{"$f":"'Self-employed Income'!E16*30%","v":0},null,null,null,null,null,null,"Couple",2,631.38247903847025,669.36812857528514,728.68043170117903,809.07878233954659,882.2296940501227,970.90950869713845,1009.7526596528675,1058.3962617492728,1188.0428205567985,1302.3096369730217,1368.993144223276]
["Term (months)",36,null,null,null,null,null,null,null,"Prior year 2",{"$f":"'Self-employed Income'!G16*30%","v":0},null,null,null,null,null,null,"Couple plus 1",3,722.45517120393265,760.54849851253221,820.0290107450636,900.65532646151928,974.0136704761328,1062.9450268346202,1101.8983243915384,1150.6797709133484,1280.6940398563809,1395.2848055057241,1462.1574800606661]
["Interest rate",0.22,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple plus 2",4,791.76512292966925,829.79125035778861,889.16683389032653,969.6509179047365,1042.8798515396772,1131.6543253956254,1170.5389060111509,1219.2342978980021,1349.0192105744397,1463.4078283333304,1530.1625337830519]
["Limit - Existing",{"$f":"'Loan Affordability Calculator'!F33","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couple plus 3",5,865.25060137693617,903.24213142971666,962.56371174217952,1042.9745687873506,1116.1368764186989,1204.8305804461042,1243.6797826383865,1292.3308513483662,1421.9976073329062,1536.2822249706908,1602.9761577412287]
["Limit - New",{"$f":"'Loan Affordability Calculator'!F43","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6]
[null,null,null,null,null,null,null,null,null,"Self employed worksheet","Gross Income",null,null,null,null,null,null,"Single",7,364.2150124509248,401.96917398184416,460.92004211796501,540.82849539187521,613.53365431949157,701.67310762911347,740.27958220522078,788.62671403811453,917.48331324055766,1031.0537589762614,1097.3309970565444]
["Repayment - Existing",{"$f":"PMT(B44/12,B43,-B45)","v":0},null,null,null,null,null,null,null,"Net Profit most recent and prior year ",{"$f":"'Self-employed Income'!C16+'Self-employed Income'!E16","v":0},null,null,null,null,null,null,"Single plus 1",8,475.57377306290124,513.69636671265164,573.2225952633637,653.91089182649955,727.32557695817627,816.32522023671083,855.3084634635095,904.12738779460028,1034.2415254681739,1148.9203289098859,1215.8444176642045]
["Repayment - New",{"$f":"PMT(B44/12,B43,-B46)","v":0},null,null,null,null,null,null,null,"Plus addbacks most recent and prior year ",{"$f":"'Self-employed Income'!C21+'Self-employed Income'!C22+'Self-employed Income'!C23+'Self-employed Income'!C24+'Self-employed Income'!C25+'Self-employed Income'!C26+'Self-employed Income'!C27+'Self-employed Income'!C28+'Self-employed Income'!C29+'Self-employed Income'!C30+'Self-employed Income'!C31+'Self-employed Income'!C32+'Self-employed Income'!C33+'Self-employed Income'!C34+'Self-employed Income'!E21+'Self-employed Income'!E22+'Self-employed Income'!E23+'Self-employed Income'!E24+'Self-employed Income'!E25+'Self-employed Income'!E26+'Self-employed Income'!E27+'Self-employed Income'!E28+'Self-employed Income'!E29+'Self-employed Income'!E30+'Self-employed Income'!E31+'Self-employed Income'!E32+'Self-employed Income'!E33+'Self-employed Income'!E34","v":0},null,null,null,null,null,null,"Single plus 2",9,576.78056005828046,614.71028104215418,673.93534079448739,754.21540384820923,827.25868247210565,915.80805212500752,954.5940498869353,1003.1659858791038,1132.6218774870981,1246.720489383016,1313.3059537286772]
[null,null,null,null,null,null,null,null,null,"Gross avg most recent and prior year ",{"$f":"(K48+K49)/2","v":0},null,null,null,null,null,null,"Single plus 3",10,677.98734705365973,715.72419537165672,774.64808632561108,854.51991586991892,927.19178798603502,1015.2908840133042,1053.8796363103611,1102.2045839636073,1231.0022295060223,1344.5206498561461,1410.7674897931499]
[]
["Loan repayment amortisation calcs"]
["Term (months)",{"$f":"'Loan Affordability Calculator'!F42","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"App 1 & 2","App 3 & 4"]
["Actual interest rate",{"$f":"'Loan Affordability Calculator'!F41","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&T$40","v":"up to $ 63000"},"Band 1",0,{"$f":"T40","v":63000},{"$f":"IF(AND(($U$27>=T54),($U$27<=U54)),1)","v":1},{"$f":"IF(AND(($U$28>=T54),($U$28<=U54)),1)","v":1}]
["Floor rate",5.5E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&U$40","v":"up to $ 76000"},"Band 2",{"$f":"U38","v":63000.000999999997},{"$f":"U40","v":76000},{"$f":"IF(AND(($U$27>=T55),($U$27<=U55)),2)","v":false},{"$f":"IF(AND(($U$28>=T55),($U$28<=U55)),2)","v":false}]
["Buffer rate",0.03,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&V$40","v":"up to $ 101000"},"Band 3",{"$f":"V38","v":76000.001000000004},{"$f":"V40","v":101000},{"$f":"IF(AND(($U$27>=T56),($U$27<=U56)),3)","v":false},{"$f":"IF(AND(($U$28>=T56),($U$28<=U56)),3)","v":false}]
["Sensitised rate",{"$f":"IF(B54+B56>B55,B54+B56,B55)","v":5.5E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&W$40","v":"up to $ 126000"},"Band 4",{"$f":"W38","v":101000.001},{"$f":"W40","v":126000},{"$f":"IF(AND(($U$27>=T57),($U$27<=U57)),4)","v":false},{"$f":"IF(AND(($U$28>=T57),($U$28<=U57)),4)","v":false}]
["Loan amount",{"$f":"'Loan Affordability Calculator'!F40","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&X$40","v":"up to $ 151000"},"Band 5",{"$f":"X38","v":126000.001},{"$f":"X40","v":151000},{"$f":"IF(AND(($U$27>=T58),($U$27<=U58)),5)","v":false},{"$f":"IF(AND(($U$28>=T58),($U$28<=U58)),5)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&Y$40","v":"up to $ 176000"},"Band 6",{"$f":"Y38","v":151000.00099999999},{"$f":"Y40","v":176000},{"$f":"IF(AND(($U$27>=T59),($U$27<=U59)),6)","v":false},{"$f":"IF(AND(($U$28>=T59),($U$28<=U59)),6)","v":false}]
["Sensitised New repayment",{"$f":"IFERROR(PMT(B57/12,B53,-B58),\"0\")","v":"0"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&Z$40","v":"up to $ 202000"},"Band 7",{"$f":"Z38","v":176000.00099999999},{"$f":"Z40","v":202000},{"$f":"IF(AND(($U$27>=T60),($U$27<=U60)),7)","v":false},{"$f":"IF(AND(($U$28>=T60),($U$28<=U60)),7)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&AA$40","v":"up to $ 252000"},"Band 8",{"$f":"AA38","v":202000.00099999999},{"$f":"AA40","v":252000},{"$f":"IF(AND(($U$27>=T61),($U$27<=U61)),8)","v":false},{"$f":"IF(AND(($U$28>=T61),($U$28<=U61)),8)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&AB$40","v":"up to $ 315000"},"Band 9",{"$f":"AB38","v":252000.00099999999},{"$f":"AB40","v":315000},{"$f":"IF(AND(($U$27>=T62),($U$27<=U62)),9)","v":false},{"$f":"IF(AND(($U$28>=T62),($U$28<=U62)),9)","v":false}]
["Investment Property Expenses Calculator",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&AC$40","v":"up to $ 378000"},"Band 10",{"$f":"AC38","v":315000.00099999999},{"$f":"AC40","v":378000},{"$f":"IF(AND(($U$27>=T63),($U$27<=U63)),10)","v":false},{"$f":"IF(AND(($U$28>=T63),($U$28<=U63)),10)","v":false}]
[]
["Applicant 1",null,"Applicant 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"up to $ \"&AD$40","v":"up to $ 630000"},"Band 11",{"$f":"AD38","v":378000.00099999999},9999999999,{"$f":"IF(AND(($U$27>=T65),($U$27<=U65)),11)","v":false},{"$f":"IF(AND(($U$28>=T65),($U$28<=U65)),11)","v":false}]
["Annual Rental Income",{"$f":"SUMIFS('Investment Properties'!E:E,'Investment Properties'!D:D,\"AnnualRentalIncomeByOwnership\")","v":0},"Annual Rental Income",{"$f":"SUMIFS('Investment Properties'!O:O,'Investment Properties'!N:N,\"AnnualRentalIncomeByOwnership\")","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Income Band",{"$f":"SUM(V54:V65)","v":1},{"$f":"SUM(W54:W65)","v":1}]
["Annual Rental Expenses",{"$f":"SUMIF('Investment Properties'!D:D,\"TotalMonthlyExpenses\",'Investment Properties'!E:E)*12","v":0},"Annual Rental Expenses",{"$f":"SUMIF('Investment Properties'!N:N,\"TotalMonthlyExpenses\",'Investment Properties'!O:O)*12","v":0}]
["Annual Rental Income - expenses",{"$f":"B66-B67","v":0},"Annual Rental Income - expenses",{"$f":"D66-D67","v":0}]
["Annual Rental Income - 20%",{"$f":"B66*80%","v":0},"Annual Rental Income - 20%",{"$f":"D66*80%","v":0}]
["Is Shaded Income > 80% of Gross",{"$f":"IF(B68>B69, \"Yes\", \"No\")","v":"No"},"Is Shaded Income > 80% of Gross",{"$f":"IF(D68>D69, \"Yes\", \"No\")","v":"No"}]
[]
["Applicant 2",null,"Applicant 4"]
["Annual Rental Income",{"$f":"SUMIFS('Investment Properties'!J:J,'Investment Properties'!I:I,\"AnnualRentalIncomeByOwnership\")","v":0},"Annual Rental Income",{"$f":"SUMIFS('Investment Properties'!T:T,'Investment Properties'!S:S,\"AnnualRentalIncomeByOwnership\")","v":0}]
["Annual Rental Expenses",{"$f":"SUMIF('Investment Properties'!I:I,\"TotalMonthlyExpenses\",'Investment Properties'!J:J)*12","v":0},"Annual Rental Expenses",{"$f":"SUMIF('Investment Properties'!S:S,\"TotalMonthlyExpenses\",'Investment Properties'!T:T)*12","v":0}]
["Annual Rental Income - expenses",{"$f":"B73-B74","v":0},"Annual Rental Income - expenses",{"$f":"D73-D74","v":0}]
["Annual Rental Income - 20%",{"$f":"B73*80%","v":0},"Annual Rental Income - 20%",{"$f":"D73*80%","v":0}]
["Is Shaded Income > 80% of Gross",{"$f":"IF(B75>B76, \"Yes\", \"No\")","v":"No"},"Is Shaded Income > 80% of Gross",{"$f":"IF(D75>D76, \"Yes\", \"No\")","v":"No"}]

{"sheet":"Symtrix Maintenance RQD","index":8,"n_rows":54,"n_cols":14,"rows_kept":54,"cut":false,"hidden":true,"merged":[[16,13,16,15]]}
["Car Expenses",null,null,"Actual Living Expenses"]
["4 Cylinder",190,null,"Living Expenses"]
["6 Cylinder",255,null,"Household Insurance"]
["8 Cylinder",310,null,"Health Ins"]
["Average",{"$f":"AVERAGE(B2:B4)","v":251.66666666666666},null,"Pay TV"]
["Utilised",230,null,"Rates"]
[null,null,null,"Private School Fees"]
[null,null,null,"Other"]
[null,null,null,"Contents"]
[null,null,null,"Expense Adjustment"]
[]
[]
[]
["Living Arrangements Type","No. of Dependents","Amount","Living Arrangements Type","No. of Dependents","Amount","Living Arrangements Type","No. of Dependents","Amount","Living Arrangements Type","No. of Dependents","Amount"]
["Single Rentor-Inc <$60k",0,{"$f":"C38","v":0},"Single Rentor-Inc <$60k",1,{"$f":"C39","v":0},"Single Rentor-Inc <$60k",2,{"$f":"C40","v":0},"Single Rentor-Inc <$60k",3,{"$f":"C41","v":0},null,"Symtrix updated 1/03/2017"]
["Single Rentor-Inc <=$100k",0,{"$f":"D38","v":0},"Single Rentor-Inc <=$100k",1,{"$f":"D39","v":0},"Single Rentor-Inc <=$100k",2,{"$f":"D40","v":0},"Single Rentor-Inc <=$100k",3,{"$f":"D41","v":0},null,"Symtrix updated 15/05/2017"]
["Single Rentor-Inc >$100k",0,{"$f":"E38","v":0},"Single Rentor-Inc >$100k",1,{"$f":"E39","v":0},"Single Rentor-Inc >$100k",2,{"$f":"E40","v":0},"Single Rentor-Inc >$100k",3,{"$f":"E41","v":0},null,"Symtrix updated 3/10/2017"]
["Single Boarder-Inc<$60k",0,{"$f":"C38","v":0},"Single Boarder-Inc<$60k",1,{"$f":"C39","v":0},"Single Boarder-Inc<$60k",2,{"$f":"C40","v":0},"Single Boarder-Inc<$60k",3,{"$f":"C41","v":0},null,"Symtrix updated 1/12/2017"]
["Single Boarder-Inc <=$100k",0,{"$f":"D38","v":0},"Single Boarder-Inc <=$100k",1,{"$f":"D39","v":0},"Single Boarder-Inc <=$100k",2,{"$f":"D40","v":0},"Single Boarder-Inc <=$100k",3,{"$f":"D41","v":0},null,"Symtrix updated 1/9/2018"]
["Single Boarder-Inc >$100k",0,{"$f":"E38","v":0},"Single Boarder-Inc >$100k",1,{"$f":"E39","v":0},"Single Boarder-Inc >$100k",2,{"$f":"E40","v":0},"Single Boarder-Inc >$100k",3,{"$f":"E41","v":0}]
["Single Mortgager-Inc <$60k",0,{"$f":"C38","v":0},"Single Mortgager-Inc <$60k",1,{"$f":"C39","v":0},"Single Mortgager-Inc <$60k",2,{"$f":"C40","v":0},"Single Mortgager-Inc <$60k",3,{"$f":"C41","v":0}]
["Single Mortgager-Inc <=$100k",0,{"$f":"D38","v":0},"Single Mortgager-Inc <=$100k",1,{"$f":"D39","v":0},"Single Mortgager-Inc <=$100k",2,{"$f":"D40","v":0},"Single Mortgager-Inc <=$100k",3,{"$f":"D41","v":0}]
["Single Mortgager-Inc >$100k",0,{"$f":"E38","v":0},"Single Mortgager-Inc >$100k",1,{"$f":"E39","v":0},"Single Mortgager-Inc >$100k",2,{"$f":"E40","v":0},"Single Mortgager-Inc >$100k",3,{"$f":"E41","v":0}]
["Joint Rentor-Inc <$90k",0,{"$f":"C44","v":0},"Joint Rentor-Inc <$90k",1,{"$f":"C45","v":0},"Joint Rentor-Inc <$90k",2,{"$f":"C46","v":0},"Joint Rentor-Inc <$90k",3,{"$f":"C47","v":0}]
["Joint Rentor-Inc <=$150k",0,{"$f":"D44","v":0},"Joint Rentor-Inc <=$150k",1,{"$f":"D45","v":0},"Joint Rentor-Inc <=$150k",2,{"$f":"D46","v":0},"Joint Rentor-Inc <=$150k",3,{"$f":"D47","v":0}]
["Joint Rentor-Inc >$150k",0,{"$f":"E44","v":0},"Joint Rentor-Inc >$150k",1,{"$f":"E45","v":0},"Joint Rentor-Inc >$150k",2,{"$f":"E46","v":0},"Joint Rentor-Inc >$150k",3,{"$f":"E47","v":0}]
["Joint Boarder-Inc <$90k",0,{"$f":"C44","v":0},"Joint Boarder-Inc <$90k",1,{"$f":"C45","v":0},"Joint Boarder-Inc <$90k",2,{"$f":"C46","v":0},"Joint Boarder-Inc <$90k",3,{"$f":"C47","v":0}]
["Joint Boarder-Inc <=$150k",0,{"$f":"D44","v":0},"Joint Boarder-Inc <=$150k",1,{"$f":"D45","v":0},"Joint Boarder-Inc <=$150k",2,{"$f":"D46","v":0},"Joint Boarder-Inc <=$150k",3,{"$f":"D47","v":0}]
["Joint Boarder-Inc >$150k",0,{"$f":"E44","v":0},"Joint Boarder-Inc >$150k",1,{"$f":"E45","v":0},"Joint Boarder-Inc >$150k",2,{"$f":"E46","v":0},"Joint Boarder-Inc >$150k",3,{"$f":"E47","v":0}]
["Joint Mortgager-Inc <$90k",0,{"$f":"C44","v":0},"Joint Mortgager-Inc <$90k",1,{"$f":"C45","v":0},"Joint Mortgager-Inc <$90k",2,{"$f":"C46","v":0},"Joint Mortgager-Inc <$90k",3,{"$f":"C47","v":0}]
["Joint Mortgager-Inc <=$150k",0,{"$f":"D44","v":0},"Joint Mortgager-Inc <=$150k",1,{"$f":"D45","v":0},"Joint Mortgager-Inc <=$150k",2,{"$f":"D46","v":0},"Joint Mortgager-Inc <=$150k",3,{"$f":"D47","v":0}]
["Joint Mortgager-Inc >$150k",0,{"$f":"E44","v":0},"Joint Mortgager-Inc >$150k",1,{"$f":"E45","v":0},"Joint Mortgager-Inc >$150k",2,{"$f":"E46","v":0},"Joint Mortgager-Inc >$150k",3,{"$f":"E47","v":0}]
["Joint with Primary",null,0]
[]
[]
[]
["Living Expenses","HEM per month","<60,000","<=100,000",">100,000"]
["Single",{"$f":"Calculations!T2","v":0},{"$f":"B38*110%","v":0},{"$f":"B38*120%","v":0},{"$f":"B38*130%","v":0}]
["Single plus 1",{"$f":"Calculations!T3","v":0},{"$f":"B39*110%","v":0},{"$f":"B39*120%","v":0},{"$f":"B39*130%","v":0}]
["Single plus 2",{"$f":"Calculations!T4","v":0},{"$f":"B40*110%","v":0},{"$f":"B40*120%","v":0},{"$f":"B40*130%","v":0}]
["Single plus 3",{"$f":"Calculations!T5","v":0},{"$f":"B41*110%","v":0},{"$f":"B41*120%","v":0},{"$f":"B41*130%","v":0}]
[]
[null,null,"<90,000","<=150,000",">150,000"]
["Couple",{"$f":"Calculations!T6","v":0},{"$f":"B44*110%","v":0},{"$f":"B44*120%","v":0},{"$f":"B44*130%","v":0}]
["Couple plus 1",{"$f":"Calculations!T7","v":0},{"$f":"B45*110%","v":0},{"$f":"B45*120%","v":0},{"$f":"B45*130%","v":0}]
["Couple plus 2",{"$f":"Calculations!T8","v":0},{"$f":"B46*110%","v":0},{"$f":"B46*120%","v":0},{"$f":"B46*130%","v":0}]
["Couple plus 3",{"$f":"Calculations!T9","v":0},{"$f":"B47*110%","v":0},{"$f":"B47*120%","v":0},{"$f":"B47*130%","v":0}]
[]
[]
[]
[]
["Total Gross Income"]
["Index to apply - Single","(O16<60000,1.1%,IF(O16<=100000,1.2%,IF(O16>=100000,1.3%"]
["Index to apply - Couple","O16<90000,1.1%,IF(O16<=150000,1.2%,IF(O16>=150000,1.3%)"]

{"sheet":"Historical HEM Data","index":9,"n_rows":9,"n_cols":5,"rows_kept":9,"cut":false,"hidden":true,"merged":[]}
["Living Expenses","Sep-18 Qtr","Jun-18 Qtr","Mar-18 Qtr","Dec-17 Qtr"]
["Single",314,312,299,284]
["Single plus 1",429,421,{"$f":"D2+65","v":364},371]
["Single plus 2",498,476,{"$f":"D3+65","v":429},420]
["Single plus 3",525,517,{"$f":"D4+65","v":494},510]
["Couple",615,597,565,558]
["Couple plus 1",794,753,{"$f":"D6+117","v":682},695]
["Couple plus 2",901,874,{"$f":"D7+117","v":799},804]
["Couple plus 3",957,949,{"$f":"D8+117","v":916},873]