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["Loan Affordability Calculator"]
[]
[{"$f":"TODAY()","v":"2019-06-26"}]
["Number of Borrowers"]
["Number of Loans"]
["Loan 1",null,null,"Loan 2"]
["Loan amount",0,null,"Loan amount",null,0]
["Loan Term (Yrs)",0,null,"Loan Term (Yrs)",null,0]
["Interest Only Term (Yrs)",null,null,"Interest Only Term (Yrs)"]
[{"$f":"IF(B10>0,(-PMT('Affordability Rate Adjustment'!Q7/12,'Loan Affordability Calculator'!B10*12,'Loan Affordability Calculator'!B7)),0)","v":0},{"$f":"Loan1_Term__Yrs-('General list options'!$E$7)","v":0},null,{"$f":"IF(F10>0,(-PMT('Affordability Rate Adjustment'!Q7/12,'Loan Affordability Calculator'!F10*12,'Loan Affordability Calculator'!F7)),0)","v":0},null,{"$f":"Loan2_Term__Yrs - ('General list options'!$E$8)","v":0}]
["Loan 3",null,null,"Loan 4"]
["Loan amount",0,null,"Loan amount",null,0]
["Loan Term (Yrs)",0,null,"Loan Term (Yrs)",null,0]
["Interest Only Term (Yrs)",null,null,"Interest Only Term (Yrs)"]
[{"$f":"IF(B15>0,(-PMT('Affordability Rate Adjustment'!Q7/12,'Loan Affordability Calculator'!B15*12,'Loan Affordability Calculator'!B12)),0)","v":0},{"$f":"Loan3_Term__Yrs - ('General list options'!$E$9)","v":0},null,{"$f":"IF(F15>0,(-PMT('Affordability Rate Adjustment'!Q7/12,'Loan Affordability Calculator'!F15*12,'Loan Affordability Calculator'!F12)),0)","v":0},null,{"$f":"Loan4_Term__Yrs - ('General list options'!$E$10)","v":0}]
["Total Loan Amount",{"$f":"Loan_amount1+Loan_amount2+Loan_amount3+Loan_amount4","v":0}]
[null,{"$f":"(B10+F10+B15+F15)/('General list options'!$D$2)","v":0}]
["First Borrower"]
["1.Income"]
[null,0,null,"per,"]
[null,0,"`","per,"]
[null,0,null,"per,"]
[]
["Borrower 1 total assessable income",{"$f":"'Income Data'!U33","v":0}]
[]
["2. General Living Arangement Expenses"]
[null,"Spouse","# dependants",null,"No. of Land/Holiday Home properties"]
[]
["General Living Expenses",{"$f":"'General Living Expenses'!C55","v":1354}]
[]
["3. Other Living Expenses & Liabilities"]
[null,0,null,{"$f":"IF('Other Expenses'!C3=1,\"Beyond Bank applies minimum rent dependant on the property location.  Please ensure the rent entered meets this minimum amount\",\"\")","v":""},null,{"$f":"IF('Other Expenses'!C3=2,IF('Other Expenses'!B8<650,\"Beyond Bank applies minimum board of $150 per week, please update the expense with the minimum required\",\"\"))","v":false}]
[null,0]
[null,0]
[]
["Mortgage Repayments (apart from this loan)",{"$f":"'Affordability Rate Adjustment'!H12","v":0},"Click here to go to the Affordability Rate Adjustment Calculator"]
["Car/Personal Loan Repayments",0]
["Combined Limits of all Credit Cards & Store Accts",0]
["Combined Limits of all Overdrafts",0]
["Combined Limits of Beyond Bank Credit Cards",0]
["Other debts",0]
["Total Liabilities & Expenses",{"$f":"B36+'Other Expenses'!L15","v":0}]
[]
[{"$f":"IF('General Living Expenses'!B2=1,\"No Second Borrower, please proceed to the Affordability Assessment\",\"Second Borrower\")","v":"No Second Borrower, please proceed to the Affordability Assessment"}]
[]
["1.Income"]
[null,0,null,"per,"]
[null,0,null,"per,"]
[null,0,null,"per,"]
[]
["Total assessable net income per month:",{"$f":"'Income Data'!W33","v":0}]
[]
["2. General Living Arangement Expenses"]
[null,"Spouse","# dependants",null,"No. of Land/Holiday Home properties"]
[]
["General Living Expenses",{"$f":"'General Living Expenses'!I55","v":0}]
[]
["3. Other Living Expenses & Liabilities"]
[null,0,null,{"$f":"IF('Other Expenses'!C24=1,\"Beyond Bank applies minimum rent dependant on the property location.  Please ensure the rent entered meets this minimum amount\",\"\")","v":""},null,{"$f":"IF('Other Expenses'!C24=2,IF('Other Expenses'!B29<650,\"Beyond Bank applies minimum board of $150 per week, please update the expense with the minimum required\",\"\"),\"\")","v":""}]
[null,0]
[null,0]
[]
["Mortgage Repayments (apart from this loan)",{"$f":"'Affordability Rate Adjustment'!H34","v":0},"Click here to go to the Affordability Rate Adjustment Calculator"]
["Car/Personal Loan Repayments",0]
["Combined Limits of all Credit Cards & Store Accts",0]
["Combined Limits of all Overdrafts",0]
["Combined Limits of Beyond Bank Credit Cards",0]
["Other debts",0]
["Total Liabilities & Expenses",{"$f":"B63+'Other Expenses'!L36","v":0}]
[]
[{"$f":"IF('General Living Expenses'!B2=1,\"No third borrower, please proceed to the Affordability Assessment\",IF('General Living Expenses'!B2=2,\"No third borrower, please proceed to the Affordability Assessment\",\"Third Borrower\"))","v":"No third borrower, please proceed to the Affordability Assessment"}]
[]
["1.Income"]
[null,0,null,"per,"]
[null,0,null,"per,"]
[null,0,null,"per,"]
[]
["Total assessable net income per month:",{"$f":"'Income Data'!Y33","v":0}]
[]
["2. General Living Arangement Expenses"]
[null,"Spouse","# dependants",null,"No. of Land/Holiday Home properties"]
[]
["General Living Expenses",{"$f":"'General Living Expenses'!O55","v":0}]
[]
["3. Other Living Expenses & Liabilities"]
[null,0,null,{"$f":"IF('Other Expenses'!C44=1,\"Beyond Bank applies minimum rent dependant on the property location.  Please ensure the rent entered meets this minimum amount\",\"\")","v":""},null,{"$f":"IF('Other Expenses'!C44=2,IF('Other Expenses'!B49<650,\"Beyond Bank applies minimum board of $150 per week, please update the expense with the minimum required\",\"\"),\"\")","v":""}]
[null,0]
[null,0]
["Mortgage Repayments (apart from this loan)",{"$f":"'Affordability Rate Adjustment'!H53","v":0},"Click here to go to the Affordability Rate Adjustment Calculator"]
["Car/Personal Loan Repayments",0]
["Combined Limits of all Credit Cards & Store Accts",0]
["Combined Limits of all Overdrafts",0]
["Combined Limits of Beyond Bank Credit Cards",0]
["Other debts",0]
["Total Liabilities & Expenses",{"$f":"B89+'Other Expenses'!L56","v":0}]
[{"$f":"IF('General Living Expenses'!B2=4,\"Fourth Borrower\",\"No fourth borrower, please proceed to the Affordability Assessment\")","v":"No fourth borrower, please proceed to the Affordability Assessment"}]
[]
["1.Income"]
[null,0,null,"per,"]
[null,0,null,"per,"]
[null,0,null,"per,"]
[]
["Total assessable net income per month:",{"$f":"'Income Data'!AA33","v":0}]
[]
["2. General Living Arangement Expenses"]
[null,"Spouse","# dependants",null,"No. of Land/Holiday Home properties"]
[]
["General Living Expenses",{"$f":"'General Living Expenses'!U55","v":0}]
[]
["3. Other Living Expenses & Liabilities"]
[null,0,null,{"$f":"IF('Other Expenses'!C64=1,\"Beyond Bank applies minimum rent dependant on the property location.  Please ensure the rent entered meets this minimum amount\",\"\")","v":""},null,{"$f":"IF('Other Expenses'!C64=2,IF('Other Expenses'!B69<650,\"Beyond Bank applies minimum board of $150 per week, please update the expense with the minimum required\",\"\"),\"\")","v":""}]
[null,0]
[null,0]
["Mortgage Repayments (apart from this loan)",{"$f":"'Affordability Rate Adjustment'!H72","v":0},"Click here to go to the Affordability Rate Adjustment Calculator"]
["Car/Personal Loan Repayments",0]
["Combined Limits of all Credit Cards & Store Accts",0]
["Combined Limits of all Overdrafts",0]
["Combined Limits of Beyond Bank Credit Cards",0]
["Other debts",0]
["Total Liabilities & Expenses",{"$f":"B114 +'Other Expenses'!L76","v":0}]
[]
["Affordability Assessment"]
["1. Total Borrower Assessable Income",{"$f":"B24+B51+B78+B103","v":0}]
["2. Total Borrower Living Expenses",{"$f":"B29+B56+B83+B108","v":1354}]
["3. Total Borrower Other Expenses/Liabilities",{"$f":"B42+B69+B95+B120","v":0}]
["Disposable income after expenses",{"$f":"B123-B124-B125","v":-1354}]
["Monthly loan repayment (this loan)",{"$f":"A10+D10+A15+D15","v":0}]
["Disposable monthly income after expenses and new loan repayment",{"$f":"B126-B127","v":-1354},{"$f":"IF(B128>=200,\"LOAN IS AFFORDABLE\",\"LOAN IS NOT AFFORDABLE\")","v":"LOAN IS NOT AFFORDABLE"}]
[]
[]
["Maximum borrowing capacity",{"$f":"-PV('Affordability Rate Adjustment'!$Q$7/12,'Loan Affordability Calculator'!$B$17*12,('Loan Affordability Calculator'!$B$126-200))-250","v":-250}]

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["Affordability Rate Adjustment (ARA) Calculator"]
["Notes: Loan Amounts should Include amount available for redraw.  Repayments displayed are per month."]
["Calculator to be used for all mortgage-secured products including secured line of credit facilities and Interest Only loans"]
["Insert current Loan Amount  & actual repayment (entries in red)"]
[]
["Borrower 1 - Other Mortgage Repayments",null,null,null,null,null,null,null,null,null,null,null,null,"Number","Current",null,"Affordability Rate"]
["Number of Mortgage Loans",null,"Click here to return to the Loan Affordability Calculator",null,null,null,"The following amount will be used in the calculation of loan affordability",null,null,null,null,null,null,"Nil",1,null,7.2499999999999995E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"IF(O7=1,\"Not Required\",\"Loan 1\")","v":"Not Required"},null,null,{"$f":"IF(O7=1,\"Not Required\",\"Loan 2\")","v":"Not Required"},null,null,null,null,null,null,null,null,null,2]
["Loan Amount",0,null,"Loan Amount",0,null,null,null,null,null,null,null,null,3]
["Term (months)",360,null,"Term (months)",360,null,null,null,null,null,null,null,null,4]
["Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2},null,"ARA",{"$f":"(B15+E15+B23+E23)","v":0}]
["Affordability Repayment",{"$f":"-PMT(B12/12,B11,B10)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E12/12,E11,E10)","v":0}]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0]
["Repayment Amount Used",{"$f":"MAXA(B13,B14)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E13,E14)","v":0}]
[]
[{"$f":"IF(O7<3,\"Not Required\",\"Loan 3\")","v":"Not Required"},null,null,{"$f":"IF(O7<4,\"Not Required\",\"Loan 4\")","v":"Not Required"}]
["Loan Amount",0,null,"Loan Amount",0]
["Term (months)",360,null,"Term (months)",360]
["Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2}]
["Affordability Repayment",{"$f":"-PMT(B20/12,B19,B18)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E20/12,E19,E18)","v":0}]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0]
["Repayment Amount Used",{"$f":"MAXA(B21,B22)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E21,E22)","v":0}]
[]
[{"$f":"IF('General Living Expenses'!B2<2,\"No Second Borrower\",\"Borrower 2 - Other Mortgage Loan Products\")","v":"No Second Borrower"}]
["Number of Mortgage Loans",null,"Click here to return to the Loan Affordability Calculator"]
[]
[{"$f":"IF('General Living Expenses'!B2<2,\"Not Required\",IF('Affordability Rate Adjustment'!O30<2,\"Not Required\",\"Loan 1\"))","v":"Not Required"},null,null,"Loan 2"]
["Loan Amount",0,null,"Loan Amount",0,null,"The following amount will be used in the calculation of loan affordability",null,null,null,null,null,null,"Number","Current"]
["Term (months)",360,null,"Term (months)",360,null,null,null,null,null,null,null,null,"Nil",1]
["Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2},null,null,null,null,null,null,null,null,1]
["Affordability Repayment",{"$f":"-PMT(B31/12,B30,B29)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E31/12,E30,E29)","v":0},null,null,null,null,null,null,null,null,2]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0,null,null,null,null,null,null,null,null,3]
["Repayment Amount Used",{"$f":"MAXA(B32,B33)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E32,E33)","v":0},null,"ARA",{"$f":"B34+E34+B42+E42","v":0},null,null,null,null,null,4]
[]
["Loan 3",null,null,"Loan 4"]
["Loan Amount",0,null,"Loan Amount",0]
["Term (months)",360,null,"Term (months)",360]
["Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"Q7","v":7.2499999999999995E-2}]
["Affordability Repayment",{"$f":"-PMT(B39/12,B38,B37)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E39/12,E38,E37)","v":0}]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0]
["Repayment Amount Used",{"$f":"MAXA(B40,B41)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E40,E41)","v":0}]
[]
[{"$f":"IF('General Living Expenses'!B2<3,\"No Third Borrower\",\"Borrower 3 - Other Mortgage Loan Products\")","v":"No Third Borrower"}]
["Number of Mortgage Loans",null,"Click here to return to the Loan Affordability Calculator"]
[]
["Loan 1",null,null,"Loan 2"]
["Loan Amount",0,null,"Loan Amount",0,null,"The following amount will be used in the calculation of loan affordability",null,null,null,null,null,null,"Number","Current"]
["Term (months)",360,null,"Term (months)",360,null,null,null,null,null,null,null,null,"Nil",1]
["Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2},null,null,null,null,null,null,null,null,1]
["Affordability Repayment",{"$f":"-PMT(B50/12,B49,B48)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E50/12,E49,E48)","v":0},null,null,null,null,null,null,null,null,2]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0,null,null,null,null,null,null,null,null,3]
["Repayment Amount Used",{"$f":"MAXA(B51,B52)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E51,E52)","v":0},null,"ARA",{"$f":"(B53+E53+B61+E61)","v":0},null,null,null,null,null,4]
[]
["Loan 3",null,null,"Loan 4"]
["Loan Amount",0,null,"Loan Amount",0]
["Term (months)",360,null,"Term (months)",360]
["Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2}]
["Affordability Repayment",{"$f":"-PMT(B58/12,B57,B56)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E58/12,E57,E56)","v":0}]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0]
["Repayment Amount Used",{"$f":"MAXA(B59,B60)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E59,E60)","v":0}]
[]
[{"$f":"IF('General Living Expenses'!B2<4,\"No Fourth Borrower\",\"Borrower 4 - Other Mortgage Loan Products\")","v":"No Fourth Borrower"}]
["Number of Mortgage Loans",null,"Click here to return to the Loan Affordability Calculator"]
[]
["Loan 1",null,null,"Loan 2"]
["Loan Amount",0,null,"Loan Amount",0,null,"The following amount will be used in the calculation of loan affordability",null,null,null,null,null,null,"Number","Current"]
["Term (months)",360,null,"Term (months)",360,null,null,null,null,null,null,null,null,"Nil",1]
["Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2},null,null,null,null,null,null,null,null,1]
["Affordability Repayment",{"$f":"-PMT(B69/12,B68,B67)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E69/12,E68,E67)","v":0},null,null,null,null,null,null,null,null,2]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0,null,null,null,null,null,null,null,null,3]
["Repayment Amount Used",{"$f":"MAXA(B70,B71)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E70,E71)","v":0},null,"ARA",{"$f":"(B72+E72+B80+E80)","v":0},null,null,null,null,null,4]
[]
["Loan 3",null,null,"Loan 4"]
["Loan Amount",0,null,"Loan Amount",0]
["Term (months)",360,null,"Term (months)",360]
["Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2},null,"Affordability Rate",{"$f":"$Q$7","v":7.2499999999999995E-2}]
["Affordability Repayment",{"$f":"-PMT(B77/12,B76,B75)","v":0},null,"Affordability Repayment",{"$f":"-PMT(E77/12,E76,E75)","v":0}]
["Actual Repayment (monthly)",0,null,"Actual Repayment (monthly)",0]
["Repayment Amount Used",{"$f":"MAXA(B78,B79)","v":0},null,"Repayment Amount Used",{"$f":"MAXA(E78,E79)","v":0}]

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[]
[]
["Minimum Rent/Boarder Expense"]
[]
["Board"]
["$150 per week","All Locations"]
[]
["Rent"]
["Region","Mid Range Median Rent per Week"]
["ACT (including Queanbeyan)",405]

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[null,"Borrower 1 Income Type"]
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[null,"Income Type 1",null,null,"Income Type 2",null,null,"Income Type 3"]
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[null,"Child Support",null,{"$f":"IF(C19=9,'Loan Affordability Calculator'!B47,0)","v":0},"N/A",null,null,"N/A"]
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[]
[null,"Borrower 4 Income Type"]
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[null,null,"TAX RATES (Primary Income)",null,null,null,null,null,null,null,"TAX RATES (Secondary Employment - No Tax Free Threshold)"]
[null,null,"Where the employee claimed the tax-free threshold in Tax file number declaration\nSCALE 2",null,null,null,null,null,null,null,"Where the tax-free threshold is not claimed in Tax file number declaration\nSCALE 1"]
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[null,null,null,"per week",null,{"$f":"IF('Income Data'!C3=1,((('Income Data'!U4)*3)/13),0)","v":0},null,null,null,"per week",null,{"$f":"IF('Income Data'!C3=2,((('Income Data'!Z4)*3)/13),0)","v":0},null,null,null,"per week",null,{"$f":"IF('Income Data'!C3=3,((('Income Data'!AE4)*3)/13),0)","v":0},null,null,null,null,null,"per week",null,{"$f":"IF('Income Data'!F3=1,(('Income Data'!Z5*3)/13),0)","v":0},null,"per week",null,{"$f":"IF('Income Data'!F3=2,(('Income Data'!AE5*3)/13),0)","v":0},null,null,"per week",null,{"$f":"IF('Income Data'!I3=1,(('Income Data'!Z6*3)/13),0)","v":0},null,"per week",null,{"$f":"IF('Income Data'!I3=2,(('Income Data'!AE6*3)/13),0)","v":0}]
[null,null,null,null,null,{"$f":"F47+F48+F49+F50","v":0},null,null,null,null,null,{"$f":"L47+L48+L49+L50","v":0},null,null,null,null,null,{"$f":"R47+R48+R49+R50","v":0},null,null,null,null,null,null,null,{"$f":"Z47+Z48+Z49+Z50","v":0},null,null,null,{"$f":"AD47+AD48+AD49+AD50","v":0},null,null,null,null,{"$f":"AI47+AI48+AI49+AI50","v":0},null,null,null,{"$f":"AM47+AM48+AM49+AM50","v":0}]
[]
[null,null,null,"Monthy amount if Pay is","Monthly"]
[null,null,null,"Weekly",{"$f":"IF('Income Data'!S4=1,((F33*13)/3),0)","v":0}]
[null,null,null,"Fortnightly",{"$f":"IF('Income Data'!S4=2,((F33/2)*13)/3,0)","v":0}]
[null,null,null,"Monthly",{"$f":"IF('Income Data'!S4=3,F33,0)","v":0}]
[null,null,null,"Annually",{"$f":"IF('Income Data'!S4=4,'Tax Rates'!F48,0)","v":0}]
[null,null,null,"USE",{"$f":"E54+E55+E56+E57","v":0}]
[]
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[]
[null,null,null,"Borrower 2"]
[null,null,null,"Primary Income 1",null,null,null,null,null,"Secondary Income 1",null,null,null,null,null,"Self Employed Income 1",null,null,null,null,null,null,null,"Secondary Income 2",null,null,null,"Self Employed Income 2",null,null,null,null,"Secondary Income 3",null,null,null,"Self Employed Income 3"]
[null,null,null,"Weekly Taxable Income",null,{"$f":"F99","v":0},null,null,null,"Weekly Taxable Income",null,{"$f":"L99","v":0},null,null,null,"Weekly Taxable Income",null,{"$f":"R99","v":0},null,null,null,null,null,"Weekly Taxable Income",null,{"$f":"Z99","v":0},null,"Weekly Taxable Income",null,{"$f":"AD99","v":0},null,null,"Weekly Taxable Income",null,{"$f":"AI99","v":0},null,"Weekly Taxable Income",null,{"$f":"AM99","v":0}]
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[null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((F77*F76)-F78),0)","v":0},null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((L77*L76)-L78),0)","v":0},null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((R77*R76)-R78),0)","v":0},null,null,null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((Z77*Z76)-Z78),0)","v":0},null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((AD77*AD76)-AD78),0)","v":0},null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((AI77*AI76)-AI78),0)","v":0},null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((AM77*AM76)-AM78),0)","v":0}]
[null,null,null,"Weekly Pay",null,{"$f":"F75-F79","v":0},null,null,null,"Weekly Pay",null,{"$f":"L75-L79","v":0},null,null,null,"Weekly Pay",null,{"$f":"R75-R79","v":0},null,null,null,null,null,"Weekly Pay",null,{"$f":"Z75-Z79","v":0},null,"Weekly Pay",null,{"$f":"AD75-AD79","v":0},null,null,"Weekly Pay",null,{"$f":"AI75-AI79","v":0},null,"Weekly Pay",null,{"$f":"AM75-AM79","v":0}]
[null,null,null,"Monthly Tax",null,{"$f":"ROUND(((F79*13)/3),0)","v":0},null,null,null,"Monthly Tax",null,{"$f":"ROUND(((L79*13)/3),0)","v":0},null,null,null,"Monthly Tax",null,{"$f":"ROUND(((R79*13)/3),0)","v":0},null,null,null,null,null,"Monthly Tax",null,{"$f":"ROUND(((Z79*13)/3),0)","v":0},null,"Monthly Tax",null,{"$f":"ROUND(((AD79*13)/3),0)","v":0},null,null,"Monthly Tax",null,{"$f":"ROUND(((AI79*13)/3),0)","v":0},null,"Monthly Tax",null,{"$f":"ROUND(((AM79*13)/3),0)","v":0}]
[null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$U9+'Income Data'!$V9+'Income Data'!$W9+'Income Data'!$X9)-F81","v":0},null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z9+'Income Data'!$AA9+'Income Data'!$AB9+'Income Data'!$AC9)-L81","v":0},null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$AE9+'Income Data'!$AF9+'Income Data'!$AG9+'Income Data'!$AH9)-R81","v":0},null,null,null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z10+'Income Data'!$AA10+'Income Data'!$AB10+'Income Data'!$AC10)-Z81","v":0},null,"Monthly Pay",null,{"$f":"('Income Data'!$AE10+'Income Data'!$AF10+'Income Data'!$AG10+'Income Data'!$AH10)-AD81","v":0},null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z11+'Income Data'!$AA11+'Income Data'!$AB11+'Income Data'!$AC11)-AI81","v":0},null,"Monthly Pay",null,{"$f":"('Income Data'!$AE11+'Income Data'!$AF11+'Income Data'!$AG11+'Income Data'!$AH11)-AM81","v":0}]
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[null,null,null,"Convert Monthly figure from Income Data to Weekly",null,null,null,null,null,"Convert Monthly figure from Income Data to Weekly",null,null,null,null,null,"Convert Monthly figure from Income Data to Weekly",null,null,null,null,null,null,null,"Convert Monthly figure from Income Data to Weekly",null,null,null,"Convert Monthly figure from Income Data to Weekly",null,null,null,null,"Convert Monthly figure from Income Data to Weekly",null,null,null,"Convert Monthly figure from Income Data to Weekly"]
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[null,null,null,"per month",null,{"$f":"IF('Income Data'!C19=1,(('Income Data'!W9*3)/13),0)","v":0},null,null,null,"per month",null,{"$f":"IF('Income Data'!C19=2,(('Income Data'!AB9*3)/13),0)","v":0},null,null,null,"per month",null,{"$f":"IF('Income Data'!C19=3,(('Income Data'!AG9*3)/13),0)","v":0},null,null,null,null,null,"per month",null,{"$f":"IF('Income Data'!F19=1,(('Income Data'!AB10*3)/13),0)","v":0},null,"per month",null,{"$f":"IF('Income Data'!F19=2,(('Income Data'!AG10*3)/13),0)","v":0},null,null,"per month",null,{"$f":"IF('Income Data'!I19=1,(('Income Data'!AB11*3)/13),0)","v":0},null,"per month",null,{"$f":"IF('Income Data'!I19=2,(('Income Data'!AG11*3)/13),0)","v":0}]
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[null,null,null,"per week",null,{"$f":"IF('Income Data'!C19=1,(('Income Data'!U9*3)/13),0)","v":0},null,null,null,"per week",null,{"$f":"IF('Income Data'!C19=2,(('Income Data'!Z9*3)/13),0)","v":0},null,null,null,"per week",null,{"$f":"IF('Income Data'!C19=3,(('Income Data'!AE9*3)/13),0)","v":0},null,null,null,null,null,"per week",null,{"$f":"IF('Income Data'!F19=1,(('Income Data'!Z10*3)/13),0)","v":0},null,"per week",null,{"$f":"IF('Income Data'!F19=2,(('Income Data'!AE10*3)/13),0)","v":0},null,null,"per week",null,{"$f":"IF('Income Data'!I19=1,(('Income Data'!Z11*3)/13),0)","v":0},null,"per week",null,{"$f":"IF('Income Data'!I19=2,(('Income Data'!AE11*3)/13),0)","v":0}]
[null,null,null,null,null,{"$f":"F95+F96+F97+F98","v":0},null,null,null,null,null,{"$f":"L95+L96+L97+L98","v":0},null,null,null,null,null,{"$f":"R95+R96+R97+R98","v":0},null,null,null,null,null,null,null,{"$f":"Z95+Z96+Z97+Z98","v":0},null,null,null,{"$f":"AD95+AD96+AD97+AD98","v":0},null,null,null,null,{"$f":"AI95+AI96+AI97+AI98","v":0},null,null,null,{"$f":"AM95+AM96+AM97+AM98","v":0}]
[]
[]
[]
[]
[null,null,null,"Income to Use","Monthly"]
[null,null,null,"Weekly",{"$f":"IF('Income Data'!S54=1,'Tax Rates'!V96,0)","v":0}]
[null,null,null,"Fortnightly",{"$f":"IF('Income Data'!S54=2,'Tax Rates'!R96,0)","v":0}]
[null,null,null,"Monthly",{"$f":"IF('Income Data'!S54=3,'Tax Rates'!L96,0)","v":0}]
[null,null,null,"Annually",{"$f":"IF('Income Data'!S54=4,'Tax Rates'!F96,0)","v":0}]
[null,null,null,"USE",{"$f":"E105+E106+E107+E108","v":0}]
[]
[]
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[]
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[]
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[]
[]
[null,null,null,"Borrower 3  "]
[null,null,null,"Primary Income 1",null,null,null,null,null,"Secondary Income 1",null,null,null,null,null,"Self Employed Income 1",null,null,null,null,null,null,null,"Secondary Income 2",null,null,null,"Self Employed Income 2",null,null,null,null,"Secondary Income 3",null,null,null,"Self Employed Income 3"]
[null,null,null,"Weekly Taxable Income",null,{"$f":"F149","v":0},null,null,null,"Weekly Taxable Income",null,{"$f":"L149","v":0},null,null,null,"Weekly Taxable Income",null,{"$f":"R149","v":0},null,null,null,null,null,"Weekly Taxable Income",null,{"$f":"Z149","v":0},null,"Weekly Taxable Income",null,{"$f":"AD149","v":0},null,null,"Weekly Taxable Income",null,{"$f":"AI149","v":0},null,"Weekly Taxable Income",null,{"$f":"AM149","v":0}]
[null,null,null,"x (add 99c)",null,{"$f":"IF((INT(F126)+0.99=0.99),0,(INT(F126)+0.99))","v":0},null,null,null,"x (add 99c)",null,{"$f":"IF((INT(L126)+0.99=0.99),0,(INT(L126)+0.99))","v":0},null,null,null,"x (add 99c)",null,{"$f":"IF((INT(R126)+0.99=0.99),0,(INT(R126)+0.99))","v":0},null,null,null,null,null,"x (add 99c)",null,{"$f":"IF((INT(Z126)+0.99=0.99),0,(INT(Z126)+0.99))","v":0},null,"x (add 99c)",null,{"$f":"IF((INT(AD126)+0.99=0.99),0,(INT(AD126)+0.99))","v":0},null,null,"x (add 99c)",null,{"$f":"IF((INT(AI126)+0.99=0.99),0,(INT(AI126)+0.99))","v":0},null,"x (add 99c)",null,{"$f":"IF((INT(AM126)+0.99=0.99),0,(INT(AM126)+0.99))","v":0}]
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[null,null,null,"Weekly Pay",null,{"$f":"F126-F130","v":0},null,null,null,"Weekly Pay",null,{"$f":"L126-L130","v":0},null,null,null,"Weekly Pay",null,{"$f":"R126-R130","v":0},null,null,null,null,null,"Weekly Pay",null,{"$f":"Z126-Z130","v":0},null,"Weekly Pay",null,{"$f":"AD126-AD130","v":0},null,null,"Weekly Pay",null,{"$f":"AI126-AI130","v":0},null,"Weekly Pay",null,{"$f":"AM126-AM130","v":0}]
[null,null,null,"Monthly Tax",null,{"$f":"ROUND(((F130*13)/3),0)","v":0},null,null,null,"Monthly Tax",null,{"$f":"ROUND(((L130*13)/3),0)","v":0},null,null,null,"Monthly Tax",null,{"$f":"ROUND(((R130*13)/3),0)","v":0},null,null,null,null,null,"Monthly Tax",null,{"$f":"ROUND(((Z130*13)/3),0)","v":0},null,"Monthly Tax",null,{"$f":"ROUND(((AD130*13)/3),0)","v":0},null,null,"Monthly Tax",null,{"$f":"ROUND(((AI130*13)/3),0)","v":0},null,"Monthly Tax",null,{"$f":"ROUND(((AM130*13)/3),0)","v":0}]
[null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$U14+'Income Data'!$V14+'Income Data'!$W14+'Income Data'!$X14)-F132","v":0},null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z14+'Income Data'!$AA14+'Income Data'!$AB14+'Income Data'!$AC14)-L132","v":0},null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$AE14+'Income Data'!$AF14+'Income Data'!$AG14+'Income Data'!$AH14)-R132","v":0},null,null,null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z15+'Income Data'!$AA15+'Income Data'!$AB15+'Income Data'!$AC15)-Z132","v":0},null,"Monthly Pay",null,{"$f":"('Income Data'!$AE15+'Income Data'!$AF15+'Income Data'!$AG15+'Income Data'!$AH15)-AD132","v":0},null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z16+'Income Data'!$AA16+'Income Data'!$AB16+'Income Data'!$AC16)-AI132","v":0},null,"Monthly Pay",null,{"$f":"('Income Data'!$AE16+'Income Data'!$AF16+'Income Data'!$AG16+'Income Data'!$AH16)-AM132","v":0}]
[]
[]
[]
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[]
[]
[]
[]
[null,null,null,"Income to Use","Monthly"]
[null,null,null,"Weekly",{"$f":"IF('Income Data'!S104=1,'Tax Rates'!V146,0)","v":0}]
[null,null,null,"Fortnightly",{"$f":"IF('Income Data'!S104=2,'Tax Rates'!R146,0)","v":0}]
[null,null,null,"Monthly",{"$f":"IF('Income Data'!S104=3,'Tax Rates'!L146,0)","v":0}]
[null,null,null,"Annually",{"$f":"IF('Income Data'!S104=4,'Tax Rates'!F146,0)","v":0}]
[null,null,null,"USE",{"$f":"E155+E156+E157+E158","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[]
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[null,null,null,"Borrower 4"]
[null,null,null,"Primary Income 1",null,null,null,null,null,"Secondary Income 1",null,null,null,null,null,"Self Employed Income 1",null,null,null,null,null,null,null,"Secondary Income 2",null,null,null,"Self Employed Income 2",null,null,null,null,"Secondary Income 3",null,null,null,"Self Employed Income 3"]
[null,null,null,"Weekly Taxable Income",null,{"$f":"F199","v":0},null,null,null,"Weekly Taxable Income",null,{"$f":"L199","v":0},null,null,null,"Weekly Taxable Income",null,{"$f":"R199","v":0},null,null,null,null,null,"Weekly Taxable Income",null,{"$f":"Z199","v":0},null,"Weekly Taxable Income",null,{"$f":"AD199","v":0},null,null,"Weekly Taxable Income",null,{"$f":"AI199","v":0},null,"Weekly Taxable Income",null,{"$f":"AM199","v":0}]
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[null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((F178*F177)-F179),0)","v":0},null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((L178*L177)-L179),0)","v":0},null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((R178*R177)-R179),0)","v":0},null,null,null,null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((Z178*Z177)-Z179),0)","v":0},null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((AD178*AD177)-AD179),0)","v":0},null,null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((AI178*AI177)-AI179),0)","v":0},null,"y=ax-b (Weekly Tax)",null,{"$f":"ROUND(((AM178*AM177)-AM179),0)","v":0}]
[null,null,null,"Weekly Pay",null,{"$f":"F176-F180","v":0},null,null,null,"Weekly Pay",null,{"$f":"L176-L180","v":0},null,null,null,"Weekly Pay",null,{"$f":"R176-R180","v":0},null,null,null,null,null,"Weekly Pay",null,{"$f":"Z176-Z180","v":0},null,"Weekly Pay",null,{"$f":"AD176-AD180","v":0},null,null,"Weekly Pay",null,{"$f":"AI176-AI180","v":0},null,"Weekly Pay",null,{"$f":"AM176-AM180","v":0}]
[null,null,null,"Monthly Tax",null,{"$f":"ROUND(((F180*13)/3),0)","v":0},null,null,null,"Monthly Tax",null,{"$f":"ROUND(((L180*13)/3),0)","v":0},null,null,null,"Monthly Tax",null,{"$f":"ROUND(((R180*13)/3),0)","v":0},null,null,null,null,null,"Monthly Tax",null,{"$f":"ROUND(((Z180*13)/3),0)","v":0},null,"Monthly Tax",null,{"$f":"ROUND(((AD180*13)/3),0)","v":0},null,null,"Monthly Tax",null,{"$f":"ROUND(((AI180*13)/3),0)","v":0},null,"Monthly Tax",null,{"$f":"ROUND(((AM180*13)/3),0)","v":0}]
[null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$U21+'Income Data'!$V21+'Income Data'!$W21+'Income Data'!$X21)-F182","v":0},null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z21+'Income Data'!$AA21+'Income Data'!$AB21+'Income Data'!$AC21)-L182","v":0},null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$AE21+'Income Data'!$AF21+'Income Data'!$AG21+'Income Data'!$AH21)-R182","v":0},null,null,null,null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z22+'Income Data'!$AA22+'Income Data'!$AB22+'Income Data'!$AC22)-Z182","v":0},null,"Monthly Pay",null,{"$f":"('Income Data'!$AE22+'Income Data'!$AF22+'Income Data'!$AG22+'Income Data'!$AH22)-AD182","v":0},null,null,"Monthly Pay",null,{"$f":"('Income Data'!$Z23+'Income Data'!$AA23+'Income Data'!$AB23+'Income Data'!$AC23)-AI182","v":0},null,"Monthly Pay",null,{"$f":"('Income Data'!$AE23+'Income Data'!$AF23+'Income Data'!$AG23+'Income Data'!$AH23)-AM182","v":0}]
[]
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[null,null,null,"per annum",null,{"$f":"IF('Income Data'!C53=1,(('Income Data'!X21*3)/13),0)","v":0},null,null,null,"per annum",null,{"$f":"IF('Income Data'!C53=2,(('Income Data'!AC21*3)/13),0)","v":0},null,null,null,"per annum",null,{"$f":"IF('Income Data'!C53=3,(('Income Data'!AH21*3)/13),0)","v":0},null,null,null,null,null,"per annum",null,{"$f":"IF('Income Data'!F53=1,(('Income Data'!AC22*3)/13),0)","v":0},null,"per annum",null,{"$f":"IF('Income Data'!F53=2,(('Income Data'!AH22*3)/13),0)","v":0},null,null,"per annum",null,{"$f":"IF('Income Data'!I53=1,(('Income Data'!AC23*3)/13),0)","v":0},null,"per annum",null,{"$f":"IF('Income Data'!I53=2,(('Income Data'!AH23*3)/13),0)","v":0}]
[null,null,null,"per month",null,{"$f":"IF('Income Data'!C53=1,(('Income Data'!W21*3)/13),0)","v":0},null,null,null,"per month",null,{"$f":"IF('Income Data'!C53=2,(('Income Data'!AB21*3)/13),0)","v":0},null,null,null,"per month",null,{"$f":"IF('Income Data'!C53=3,(('Income Data'!AG21*3)/13),0)","v":0},null,null,null,null,null,"per month",null,{"$f":"IF('Income Data'!F53=1,(('Income Data'!AB22*3)/13),0)","v":0},null,"per month",null,{"$f":"IF('Income Data'!F53=2,(('Income Data'!AG22*3)/13),0)","v":0},null,null,"per month",null,{"$f":"IF('Income Data'!I53=1,(('Income Data'!AB23*3)/13),0)","v":0},null,"per month",null,{"$f":"IF('Income Data'!I53=2,(('Income Data'!AG23*3)/13),0)","v":0}]
[null,null,null,"per fortnight",null,{"$f":"IF('Income Data'!C53=1,(('Income Data'!V21*3)/13),0)","v":0},null,null,null,"per fortnight",null,{"$f":"IF('Income Data'!C53=2,(('Income Data'!AA21*3)/13),0)","v":0},null,null,null,"per fortnight",null,{"$f":"IF('Income Data'!C53=3,(('Income Data'!AF21*3)/13),0)","v":0},null,null,null,null,null,"per fortnight",null,{"$f":"IF('Income Data'!F53=1,(('Income Data'!AA22*3)/13),0)","v":0},null,"per fortnight",null,{"$f":"IF('Income Data'!F53=2,(('Income Data'!AF22*3)/13),0)","v":0},null,null,"per fortnight",null,{"$f":"IF('Income Data'!I53=1,(('Income Data'!AA23*3)/13),0)","v":0},null,"per fortnight",null,{"$f":"IF('Income Data'!I53=2,(('Income Data'!AF23*3)/13),0)","v":0}]
[null,null,null,"per week",null,{"$f":"IF('Income Data'!C53=1,(('Income Data'!U21*3)/13),0)","v":0},null,null,null,"per week",null,{"$f":"IF('Income Data'!C53=2,(('Income Data'!Z21*3)/13),0)","v":0},null,null,null,"per week",null,{"$f":"IF('Income Data'!C53=3,(('Income Data'!AE21*3)/13),0)","v":0},null,null,null,null,null,"per week",null,{"$f":"IF('Income Data'!F53=1,(('Income Data'!Z22*3)/13),0)","v":0},null,"per week",null,{"$f":"IF('Income Data'!F53=2,(('Income Data'!AE22*3)/13),0)","v":0},null,null,"per week",null,{"$f":"IF('Income Data'!I53=1,(('Income Data'!Z23*3)/13),0)","v":0},null,"per week",null,{"$f":"IF('Income Data'!I53=2,(('Income Data'!AE23*3)/13),0)","v":0}]
[null,null,null,null,null,{"$f":"F195+F196+F197+F198","v":0},null,null,null,null,null,{"$f":"L195+L196+L197+L198","v":0},null,null,null,null,null,{"$f":"R195+R196+R197+R198","v":0},null,null,null,null,null,null,null,{"$f":"Z195+Z196+Z197+Z198","v":0},null,null,null,{"$f":"AD195+AD196+AD197+AD198","v":0},null,null,null,null,{"$f":"AI195+AI196+AI197+AI198","v":0},null,null,null,{"$f":"AM195+AM196+AM197+AM198","v":0}]
[]
[]
[]
[]
[null,null,null,"Income to Use","Monthly"]
[null,null,null,"Weekly",{"$f":"IF('Income Data'!S154=1,'Tax Rates'!V196,0)","v":0}]
[null,null,null,"Fortnightly",{"$f":"IF('Income Data'!S154=2,'Tax Rates'!R196,0)","v":0}]
[null,null,null,"Monthly",{"$f":"IF('Income Data'!S154=3,'Tax Rates'!L196,0)","v":0}]
[null,null,null,"Annually",{"$f":"IF('Income Data'!S154=4,'Tax Rates'!F196,0)","v":0}]
[null,null,null,"USE",{"$f":"E205+E206+E207+E208","v":0}]

{"sheet":"General Living Expenses","index":5,"n_rows":57,"n_cols":25,"rows_kept":57,"cut":false,"hidden":true,"merged":[[6,1,6,3],[6,7,6,9],[6,13,6,15],[6,19,6,21]]}
["Number of Borrowers"]
[1,1]
[2]
[3,null,{"$f":"IF(B2=1,\"No\",IF(B2=2,\"No\",\"Yes\"))","v":"No"}]
[4,null,{"$f":"IF(B2=4,\"Yes\",\"No\")","v":"No"}]
[null,"Expense Application type"]
[null,"Borrower 1",null,null,null,null,null,"Borrower 2",null,null,null,null,null,"Borrower 3",null,null,null,null,null,"Borrower 4"]
[null,"Index","Options","Current",null,null,null,"Index","Options","Current",null,null,null,"Index","Options","Current",null,null,null,"Index","Options","Current"]
[null,1,"Single",1,null,null,null,1,"Single",3,null,null,null,1,"Single",3,null,null,null,1,"Single",3]
[null,2,"Married or Defacto",null,null,null,null,2,"Married or Defacto",null,null,null,null,2,"Married or Defacto",null,null,null,null,2,"Married or Defacto"]
[null,null,null,null,null,null,null,null,"N/A",null,null,null,null,null,"N/A",null,null,null,null,null,"N/A"]
[null,"Joint Loan with Spouse",null,null,null,null,null,"Joint Loan with Spouse",null,null,null,null,null,"Joint Loan with Spouse",null,null,null,null,null,"Joint Loan with Spouse"]
[null,null,"N/A",1,null,null,null,null,"N/A",1,null,null,null,null,"N/A",1,null,null,null,null,"N/A",1]
[null,null,"Co-Applicant (borrower 2)",null,null,null,null,null,"Co-Applicant (borrower 1)",null,null,null,null,null,"Co-Applicant (borrower 4)",null,null,null,null,null,"Co-Applicant (borrower 3)"]
[null,null,"Non-Loan Party",null,null,null,null,null,"Non-Loan Party",null,null,null,null,null,"Non-Loan Party",null,null,null,null,null,"Non-Loan Party"]
[null,"Proposed Living Expense (Net Yearly Income less than $100k)"]
[null,"New Dependants"]
[null,"Index","Options","Single","Couple","N/A"]
[null,1,0,1354,2508,0,1,null,null,null,null,null,1,null,null,null,null,null,1,null,null,null,null,null,1]
[null,2,1,1670,3100,0,null,null,null,"Combined Dependants",null,null,{"$f":"IF(D13=2,(M19-1)+(G19-1),M19-1)","v":0},null,null,null,null,null,null,null,null,null,"Combined Dependants (3 and 4)",null,{"$f":"IF(P13=2,(S19-1) + (Y19-1),Y19-1)","v":0}]
[null,3,2,2074,3692,0]
[null,4,3,2208,3867,0]
[null,5,4,2779,4438,0]
[null,6,5,{"$f":"D23+D$46","v":3350},{"$f":"E23+E$46","v":5009},0]
[null,7,6,{"$f":"D24+D$46","v":3921},{"$f":"E24+E$46","v":5580},0]
[null,8,7,4492,6151,0]
[null,9,8,5063,6722,0]
[null,10,9,5634,7293,0]
[null,11,10,6205,7864,0]
[]
[null,"Proposed Living Expense (Net  Yearly Income greater than  and equal to $100k)"]
[null,"New Dependants"]
[null,"Index","Options","Single","Couple","N/A"]
[null,1,0,2199,3071,0,1,null,null,null,null,null,1,null,null,null,null,null,1,null,null,null,null,null,1]
[null,2,1,2457,3246,0]
[null,3,2,2821,3777,0]
[null,4,3,2962,4023,0]
[null,5,4,3533,4594,0]
[null,6,5,{"$f":"D38+D$46","v":4104},{"$f":"E38+E$46","v":5165},0]
[null,7,6,{"$f":"D39+D$46","v":4675},{"$f":"E39+E$46","v":5736},0]
[null,8,7,5246,6307,0]
[null,9,8,5817,6878,0]
[null,10,9,6388,7449,0]
[null,11,10,6959,8020,0]
[]
[null,"Additional cost (>4 dependants)",null,571,571]
[null,"Non-income earning property expense  per property",null,230]
[null,null,null,"Yearly assessble income",null,null,null,null,null,"Yearly assessble income",null,null,null,null,null,"Yearly assessble income",null,null,null,null,null,"Yearly assessble income"]
[null,"Assessable Income",{"$f":"'Income Data'!U33","v":0},{"$f":"C49*12","v":0},null,null,null,"Assessable Income",{"$f":"'Income Data'!W33","v":0},{"$f":"I49*12","v":0},null,null,null,"Assessable Income",{"$f":"'Income Data'!Y33","v":0},{"$f":"O49*12","v":0},null,null,null,"Assessable Income",{"$f":"'Income Data'!AA33","v":0},{"$f":"U49*12","v":0}]
[]
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[]
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[]
[null,"Combined Expense",{"$f":"C55+I55+O55+U55","v":1354}]

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["Borrower 1"]
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[]
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[]
[]
[]
["Borrower 2"]
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[]
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[]
[]
["Borrower 3"]
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[]
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[]
[]
["Borrower 4"]
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[null,null,null,null,null,null,null,"Other  ",null,null,null,"Other  "]
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[]
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{"sheet":"Minimum Board & Rent","index":7,"n_rows":3,"n_cols":3,"rows_kept":3,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Minimum Weekly Amount"]
[null,"Board"]

{"sheet":"General list options","index":8,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":true,"merged":[]}
["Sheet","Field","Input Range","Cell Link (selection  from drop down list - i.e. the position not the value)"]
["Loan Affordability Calculator","Number of Loans",1,1]
[null,null,2]
[null,null,3]
[null,null,4]
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[null,null,2,1,{"$f":"INDEX($C$7:$C$17,D9)","v":0},"Loan 3 Value"]
[null,null,3,1,{"$f":"INDEX($C$7:$C$17,D10)","v":0},"Loan 4 Value"]
[null,null,4]
[null,null,5]
[null,null,6]
[null,null,7]
[null,null,8]
[null,null,9]
[null,null,10]