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{"sheet":"Платоспроможність боржника","index":0,"n_rows":174,"n_cols":9,"rows_kept":174,"cut":false,"hidden":true,"merged":[]}
[null,"Категорія продукту","Автокредит",null,null,null,"- обов'язкові поля"]
[]
[null,"Вартість об'єкту кредитування, грн",333333.33333333337,null,null,null,"Схема погашення","ануїтет"]
[null,"Участь власними коштами, грн",{"$f":"C3*E4","v":233333.33333333334},{"$f":"C4/C3","v":0.7},0.7,null,"% комісії за управління"]
[null,"Сукупна заставна вартість об’єктів застави, грн",5000000,null,null,null,"термін кредиту",60]
[null,null,null,null,null,null,"% ставки",{"$f":"Ануїтетна_графік_Авто!E2","v":13.99}]
[null,null,null,{"$f":"D6*1.7","v":0},{"$f":"D6+D5","v":0},null,"термін дії ставки, міс"]
[null,"Бажана сума кредиту, грн",{"$f":"C3-C4","v":100000.00000000003},null,null,null,"тип % ставки","Фіксована"]
[null,"Чи враховувати доходи інших членів родини?","Ні"]
[null,"Чи враховувати комісію за видачу до суми кредиту?","Ні",3960.0000000000005,null,null,null,{"$f":"H4*C3","v":0}]
[null,"Чи враховувати страховий платіж до суми кредиту?","Ні",null,null,null,null,{"$f":"H4*C8","v":0}]
[null,"Чи враховувати платіж КАСКО до суми кредиту?","Ні",null,{"$f":"800000/100","v":8000}]
[null,"Бажана сума кредиту з врахуванням платежів, грн",{"$f":"IF(C8=0,C3-C4+SUMIF(C10:C12,\"Так\",D10:D12),C8+SUMIF(C10:C12,\"Так\",D10:D12))","v":100000.00000000003},null,{"$f":"E12*70","v":560000}]
[]
[]
[null,null,null,{"$f":"100000/70%","v":142857.14285714287}]
[null,null,null,null,null,null,null,"Боржник","Інші члени родини"]
[null,null,"Боржник",null,null,null,"сімейний стан","не одружений(на)"]
[null,"В - задекларовані витрати на проживання",100,null,null,null,"к-сть дітей",0]
[null,"Місце проживання","м. Київ",null,null,null,"дата народження",35065]
[null,"Місце реєстрації","м. Київ"]
[null,"Місце знаходження нерухомості, яка придбавається",null,null,null,null,"Обов'язкові до заповнення всі клітинки (так/ні)"]
[null,null,null,null,null,"Майновий стан","Автомобіль"]
[null,"Трудовий стаж за основним місцем праці, міс",24,null,null,null,"Будинок"]
[null,"Кількість днів прострочки",0,null,null,null,"Земельна ділянка"]
[null,null,null,null,null,null,"Квартира"]
[null,null,null,null,null,null,"Інша власність"]
[]
[null,"БЗКРЕДО - сукупна сума кредитів боржника в АТ «КРЕДОБАНК» за продуктом",0]
[null,"БЗЗА - сукупна заборгованість за усіма відкритими (незавершеними) заявками боржника за продуктом",0]
[]
[null,null,"Боржник","Подружжя","Інші члени родини"]
["Дохід у вигляді з/п","Тип доходу"]
[null,"Д - середньомісячна сума доходу у вигляді з/п",2000000]
[null,"А - аліменти за відповідний період"]
[null,"n - фактична к-сть місяців, впродовж яких боржник отримував доходи у вигляді з/п (від 3-ьох до 6-ти міс)"]
[]
["Дохід у вигляді пенсії","ДП - сума доходу боржника у вигляді пенсії за останній міс"]
[]
["Дохід у вигляді підприємницького доходу","Вид підприємницької діяльності"]
[null,"Д - середньомісячна сума доходу від діяльності ФОП"]
[null,"П - середньомісячні податки повязані із діяльностю ФОП"]
[null,"ЗВП - середньомісячні задекларовані витрати фізичної особи підприємця, пов'язані із веденням госп дія-сті"]
[]
["Дохід у вигляді вкладу","Д - середньомісячний дохід від вкладу (після оподаткування)"]
[null,"СД - сума вкладу"]
[]
["Дохід у вигляді дивідендів","Д - середньомісячна сума доходу від дивідендів"]
[null,"П - середньомісячні податки повязані із виплатою дивідендів"]
[]
["Дохід у вигляді оренди, незалежної професійної діяльності, ін доходів ","Д - середньомісячна сума доходу від оренди, незалежної професійної діяльності, інших доходів (після оподаткування)"]
[null,"ВОД - середньомісячні витрати, пов’язані з отриманням доходів від оренди, незалежної професійної діяльності, інших доходів"]
[]
["Витрати","ВФЗД - витрати за діючими кредитами",0]
[null,"ПВЗ - потенційні витрати за відкритими кредитними заявками в Банку",0]
[]
[]
["Визначення динаміки доходів від підприємницької діяльності","Квартал в якому клієнт звернувся за отриманням кредиту"]
[null,"Річна сума доходу, отримана позичальником від п.д. за звітний рік, що передує поточному"]
[null,{"$f":"IF(C58=\"II\",\"Cума доходу, отриманого в поточному році за один квартал\",\nIF(C58=\"III\",\"Cума доходу, отриманого в поточному році за два квартали\",\nIF(C58=\"IV\",\"Cума доходу, отриманого в поточному році за три квартали\",\"Річна сума доходу, отримана позичальником від п.д. за рік, що передує звітному\")))","v":"Річна сума доходу, отримана позичальником від п.д. за рік, що передує звітному"}]
[]
[]
["Загальна сума заборгованості за усіма діючими кредитами в АТ \"КРЕДОБАНК\"","Б1КРЕДО - сукупна заборгованість клієнта за усіма кредитами в АТ «КРЕДОБАНК» з урахуванням усієї суми встановлених кредитних лімітів"]
[null,"Б1ПО - сукупна заборгованість усіх пов’язаних з клієнтом фізичних осіб за усіма кредитами в АТ «КРЕДОБАНК» з урахуванням усієї суми встановлених кредитних лімітів"]
[null,"Б1ЗА - сукупна заборгованість, яку може отримати клієнт за усіма відкритими (незавершеними) заявками на отримання кредитів/встановлення кредитних лімітів в АТ «КРЕДОБАНК»"]
[null,"Б1ЗАПО - сукупна заборгованість, яку можуть отримати пов’язані з клієнтом фізичні особи за усіма відкритими (незавершеними) заявками на отримання кредитів/встановлення кредитних лімітів в АТ «КРЕДОБАНК»",0]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,"Ануїтет","Класика"]
[null,"Розрахунок суми",null,null,null,null,"ОПК(1)",{"$f":"IF(OR(H6<>\"\",H5<>\"\"),(Ануїтетна_графік_Іпотека!B16/1200*(1+Ануїтетна_графік_Іпотека!B16/1200)^H5)/(((1+Ануїтетна_графік_Іпотека!B16/1200)^H5)-1)+H4/100,0)","v":2.3263066802027738E-2},{"$f":"IF(OR(H6<>\"\",H5<>\"\"),1/H5+Ануїтетна_графік_Іпотека!B16/100*31/360+H4/100,0)","v":2.8713611111111113E-2}]
[null,"ОПК ануїтет",{"$f":"MAX(H75:H78)","v":2.3263066802027738E-2},null,null,null,"ОПК(2)",{"$f":"IFERROR(IF(AND(H6<>\"\",H5<>\"\",H7<>\"\",I6<>\"\"),(Ануїтетна_графік_Іпотека!C16/1200*(1+Ануїтетна_графік_Іпотека!C16/1200)^(H5-H7))/(((1+Ануїтетна_графік_Іпотека!C16/1200)^(H5-H7))-1)+H4/100,0),0)","v":0},{"$f":"IF(AND(H6<>\"\",H5<>\"\",I6<>\"\",H7<>\"\"),1/(H5-H7)+Ануїтетна_графік_Іпотека!C16/100*31/360+H4/100,0)","v":0}]
[null,"ОПК класика",{"$f":"MAX(I75:I78)","v":2.8713611111111113E-2},null,null,null,"ОПК(3)",{"$f":"IFERROR(IF(AND(H6<>\"\",H5<>\"\",H7<>\"\",J6<>\"\"),(Ануїтетна_графік_Іпотека!D16/1200*(1+Ануїтетна_графік_Іпотека!D16/1200)^(H5-H7-I7))/(((1+Ануїтетна_графік_Іпотека!D16/1200)^(H5-H7-I7))-1)+H4/100,0),0)","v":0},{"$f":"IF(AND(H6<>\"\",H5<>\"\",J6<>\"\",I7<>\"\"),1/(H5-H7-I7)+Ануїтетна_графік_Іпотека!D16/100*31/360+H4/100,0)","v":0}]
[null,"ОПК",{"$f":"IF(H3=\"ануїтет\",C76,C77)","v":2.3263066802027738E-2},null,null,null,"ОПК(4)",{"$f":"IFERROR(IF(AND(H6<>\"\",H5<>\"\",J7<>\"\",K6<>\"\"),(Ануїтетна_графік_Іпотека!E16/1200*(1+Ануїтетна_графік_Іпотека!E16/1200)^(H5-H7-I7-J7))/(((1+Ануїтетна_графік_Іпотека!E16/1200)^(H5-H7-I7-J7))-1)+H4/100,0),0)","v":0},{"$f":"IF(AND(H6<>\"\",H5<>\"\",K6<>\"\",J7<>\"\"),1/(H5-H7-I7-J7)+Ануїтетна_графік_Іпотека!E16/100*31/360+H4/100,0)","v":0}]
[]
["L1","ММСК",{"$f":"$H$91","v":4000000},null,null,null,"Константи"]
[null,"ЗКП",{"$f":"C29+C30","v":0}]
[null,"L1",{"$f":"MAX(C80-C81,0)","v":4000000},null,null,null,"УВК ПР (%)",{"$f":"IF(AND(C1=\"Автокредит\",C3<=1500000),30,IF(AND(C1=\"Автокредит\",C3>1500000,C3<=2500000),40,IF(AND(C1=\"Автокредит\",C3>2500000),50,IF(AND(C1=\"Іпотечний кредит\",C3<=2500000),30,IF(AND(C1=\"Іпотечний кредит\",C3>2500000,C3<=3000000),40,IF(AND(C1=\"Іпотечний кредит\",C3>3000000),50,0))))))","v":30},"залежить від вартості об'єкту кредитування"]
[null,null,null,null,null,null,"PTI",0.65]
["L2","не застосовується","Боржник","Подружжя","Інші члени родини",null,"КФН",1]
[null,"КВ - коефіцієнт витрат",{"$f":"IFERROR(VLOOKUP(C40,'коефіцієнт витрат'!B2:C6,2,),70%)","v":0.7},{"$f":"IFERROR(VLOOKUP(D40,'коефіцієнт витрат'!B2:C6,2,),70%)","v":0.7},{"$f":"IFERROR(VLOOKUP(E40,'коефіцієнт витрат'!B2:C6,2,),70%)","v":0.7},null,"I",1.266]
[null,"СМД зарплата",{"$f":"IF(C33=\"Чистий дохід за мінусом податків\",1,0.805)*C34-C35","v":1610000},{"$f":"IF(D33=\"Чистий дохід за мінусом податків\",1,0.805)*D34-D35","v":0},{"$f":"IF(E33=\"Чистий дохід за мінусом податків\",1,0.805)*E34-E35","v":0},null,"ПЗВ",1420.07]
[null,"СМД пенсія",{"$f":"C38","v":0},{"$f":"D38","v":0},{"$f":"E38","v":0},null,"МЛскз",4000000]
[null,"СМД підприємницький дохід",{"$f":"(C41-C42)-MAX(C85*(C41-C42),C43)","v":0},{"$f":"(D41-D42)-MAX(D85*(D41-D42),D43)","v":0},{"$f":"(E41-E42)-MAX(E85*(E41-E42),E43)","v":0},null,"LTV",{"$f":"IF(AND(C1=\"Автокредит\",C5<=1000000),0.7,IF(AND(C1=\"Автокредит\",C5>1000000,C5<=2000000),0.6,IF(AND(C1=\"Автокредит\",C5>2000000),0.5,0.8)))","v":0.5},"залежить від категорії продукту і вартості забезпечення"]
[null,"СМД вклад",{"$f":"C45","v":0},{"$f":"D45","v":0},{"$f":"E45","v":0},null,"Іс",1]
[null,"СМД дивіденди",{"$f":"C48-C49","v":0},{"$f":"D48-D49","v":0},{"$f":"E48-E49","v":0},null,"Івп",1]
[null,"СМД оренда",{"$f":"(C51-C52)","v":0},{"$f":"(D51-D52)","v":0},{"$f":"(E51-E52)","v":0},null,"ММСК",{"$f":"IF(C1=\"Поточні потреби під заставу нерухомості\",2000000,4000000)","v":4000000},"залежить від категорії продукту і авансу"]
[null,"СМД боржника/СМД подружжя",{"$f":"SUM(C86:C91)","v":1610000},{"$f":"SUM(D86:D91)","v":0},{"$f":"SUM(E86:E91)","v":0}]
[null,"СМДС",{"$f":"C92+D92+IF(C9=\"Так\",E92,0)","v":1610000}]
[]
["L3","УВК ПР (%)",{"$f":"H82","v":30}]
[null,"УВК (%)",{"$f":"IF(C3<>\"\",C4/C3*100,0)","v":70}]
[null,"L3",{"$f":"IF(C1=\"Поточні потреби під заставу нерухомості\",C82,IF(C96>C95,C3-C4+(D10+D11+D12)*H90,C3-(C3*C95/100)+(D10+D11+D12)*H90))","v":103960.00000000003}]
[]
["L4","PTI",{"$f":"H83","v":0.65}]
[null,"ВФЗС",{"$f":"C54+D54+E54+C55+D55+E55","v":0}]
[null,"L4",{"$f":"IF(C78<>0,(C99*C93-C100)/C78,0)","v":44985470.269499518}]
[]
["L5","КФН",{"$f":"H84","v":1}]
[null,"I",{"$f":"H85","v":1.266}]
[null,"ПЗВ",{"$f":"H86","v":1420.07}]
[null,null,"Боржник","Інші члени родини"]
[null,"БВС",{"$f":"IF(C112<=4,VLOOKUP(C112,'Таблиця МП_БВС'!H:I,2,),IF(C112>4,'Таблиця МП_БВС'!$I$7+(C112-4)*C105,0))","v":5120.17},{"$f":"IF(D112<=4,VLOOKUP(D112,'Таблиця МП_БВС'!H:I,2,),IF(D112>4,'Таблиця МП_БВС'!$I$7+(D112-4)*C105,0))","v":5120.17}]
[null,"МП1",{"$f":"IFERROR(VLOOKUP(C20,'Таблиця МП_БВС'!$B:$E,4,),1.33)","v":1.33},{"$f":"IFERROR(VLOOKUP(D20,'Таблиця МП_БВС'!$B:$E,4,),1)","v":1}]
[null,"МП2",{"$f":"IFERROR(VLOOKUP(C21,'Таблиця МП_БВС'!$B:$E,4,),1.33)","v":1.33},{"$f":"IFERROR(VLOOKUP(D21,'Таблиця МП_БВС'!$B:$E,4,),1)","v":1}]
[null,"МП3",{"$f":"IFERROR(VLOOKUP(C22,'Таблиця МП_БВС'!$B:$E,4,),1.33)","v":1.33},{"$f":"IFERROR(VLOOKUP(C22,'Таблиця МП_БВС'!$B:$E,4,),1)","v":1}]
[null,"МП",{"$f":"IF(C1=\"Автокредит\",MAX(C108,C109),MAX(C108,C109,C110))","v":1.33},{"$f":"MAX(D108,D109,D110)","v":1}]
[null,"m",{"$f":"1+IF(OR(H18=\"одружений(на)\",H18=\"не зареєстрований шлюб\"),1,0)+H19","v":1},{"$f":"1+IF(OR(I18=\"одружений(на)\",I18=\"не зареєстрований шлюб\"),1,0)+I19","v":1}]
[null,"ФВ",{"$f":"MAX(C19,C107*C111*$C$104)","v":8621.2398426},{"$f":"IF(C9=\"Так\",MAX(D19,D107*D111*$C$104),0)","v":0}]
[null,"L5",{"$f":"IF(C78<>0,(C103*C93-C100-C113-D113)/C78,0)","v":68837818.065235272}]
[]
["L6","не застосовується"]
[]
["L7","МЛскз",{"$f":"H87","v":4000000}]
[null,"ЗКЗ",{"$f":"C63+C64+C65+C66","v":0}]
[null,"L7",{"$f":"C118-C119","v":4000000}]
[]
["L8","ММСК",{"$f":"$H$91","v":4000000}]
[]
[null,"L8",{"$f":"IF(C123+H5*31<=C122,C80,0)","v":4000000}]
[]
["L9","L9",{"$f":"IF(C13=0,C3-C4+SUMIF(C10:C12,\"Так\",D10:D12),C13)","v":100000.00000000003}]
[]
["L10","не застосовується"]
["L11","не застосовується"]
["L12","не застосовується"]
[]
["L13","LTV",{"$f":"H88","v":0.5}]
[null,"L13",{"$f":"IF(C5>0,C132*C5,0)","v":2500000}]
[]
[null,"Доступна сума кредиту L",{"$f":"ROUNDDOWN(MAX(MIN(C82,C97,C101,C114,C120,C124,C126,C133),0)*H89,-2)","v":100000}]
[]
[]
[null,"Розрахунок класу"]
["макс міс платіж","ММП",{"$f":"IF(H3 = \"класика\",C135*C77,IF(AND(C1=\"Автокредит\",H3 = \"ануїтет\"),ROUND(Ануїтетна_графік_Авто!C33,2),ROUND(Ануїтетна_графік_Іпотека!C33,2)))","v":21940}]
["витрати на проживання","ФВкпп",{"$f":"IFERROR(MAX(C19,'Таблиця МП_БВС'!I4*MAX('Таблиця МП_БВС'!$E$3:$E$47)*H85),0)","v":8621.2398426}]
["сер сук чистий дохід","СДР",{"$f":"MAX(C92-C140-C54-C55,0)","v":1601378.7601574}]
["коеф платоспром","КПП",{"$f":"IF(C92=0,0,C92/(C140+C54+C55+C139))","v":52.681108760377739}]
["коеф витрат на обсл боргу","КВБ",{"$f":"IF(C92=0,0,(C139+C54+C55)/C92)","v":1.3627329192546583E-2}]
["коеф забезп","КЗ",{"$f":"IF(C5=0,0,C135*(1+H6/100*31/360)/C5)","v":2.0240938888888886E-2}]
["динаміка доходів від підприємницької діяльності","Дмин",{"$f":"IF(C58=\"I\",C59,C59/4)","v":0}]
[null,"Дпоточ",{"$f":"IF(C58=\"I\",C60,\nIF(C58=\"II\",C60,\nIF(C58=\"III\",C60/2,\nIF(C58=\"IV\",C60/3,0))))","v":0},"Дмин-1"]
[null,"Д",{"$f":"IF(OR(C145=0,C146=0),\"Позич не здійснює п.д.\",IF(C58=\"I\",(C145/C146-1)*100%,(C146/C145-1)*100%))","v":"Позич не здійснює п.д."}]
[]
[null,"Кількісні"]
[1,"КПП",{"$f":"IF(C142<=0.5,0,IF(C142<=1,600,IF(C142<=1.05,1000,IF(C142<=1.1,1200,IF(C142<=1.15,1400,1500)))))","v":1500}]
[2,"КЗ",{"$f":"IF(C144<0.5,1250,IF(C144<0.7,1000,IF(C144<0.8,750,IF(C144<1,500,IF(C144<1.3,250,0)))))","v":1250}]
[3,"КВБ",{"$f":"IF(C143<0.85,1000,IF(C143<0.9,800,IF(C143<0.95,600,IF(C143<1,400,200))))","v":1000}]
[4,"СЧД",{"$f":"IF(C141>=C139,500,0)","v":500}]
[null,"Якісні"]
[5,"Трудовий стаж за основним місцем праці",{"$f":"IF(C24<=35,84,IF(C24<=83,87,IF(C24<=195,92,98)))","v":84}]
[6,"Майновий стан",{"$f":"SUM(C157:C160)","v":87}]
[null,"1)",{"$f":"IF(AND(H23=\"так\",H24=\"так\",H25=\"ні\",H26=\"ні\",H27=\"ні\"),81,\nIF(AND(H23=\"так\",H24=\"так\",H25=\"ні\",H26=\"ні\",H27=\"так\"),81,\nIF(AND(H23=\"так\",H24=\"ні\",H25=\"ні\",H26=\"ні\",H27=\"так\"),81,\nIF(AND(H23=\"так\",H24=\"ні\",H25=\"так\",H26=\"ні\",H27=\"ні\"),81,\nIF(AND(H23=\"так\",H24=\"так\",H25=\"ні\",H26=\"так\",H27=\"ні\"),81,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"ні\",H26=\"так\",H27=\"ні\"),81,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"так\",H26=\"так\",H27=\"ні\"),81,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"ні\",H26=\"так\",H27=\"так\"),81,0))))))))","v":0}]
[null,"2)",{"$f":"IF(AND(H23=\"так\",H24=\"так\",H25=\"так\",H26=\"ні\",H27=\"ні\"),90,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"ні\",H26=\"ні\",H27=\"ні\"),90,\nIF(AND(H23=\"так\",H24=\"так\",H25=\"так\",H26=\"ні\",H27=\"так\"),90,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"ні\",H26=\"ні\",H27=\"так\"),90,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"так\",H26=\"ні\",H27=\"так\"),90,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"ні\",H26=\"так\",H27=\"ні\"),90,\nIF(AND(H23=\"так\",H24=\"ні\",H25=\"так\",H26=\"так\",H27=\"так\"),90,0)))))))","v":0}]
[null,"3)",{"$f":"IF(AND(H23=\"так\",H24=\"ні\",H25=\"ні\",H26=\"ні\",H27=\"ні\"),87,\nIF(AND(H23=\"так\",H24=\"так\",H25=\"так\",H26=\"так\",H27=\"ні\"),87,\nIF(AND(H23=\"так\",H24=\"ні\",H25=\"так\",H26=\"так\",H27=\"ні\"),87,\nIF(AND(H23=\"так\",H24=\"ні\",H25=\"ні\",H26=\"так\",H27=\"так\"),87,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"так\",H26=\"так\",H27=\"ні\"),87,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"ні\",H26=\"так\",H27=\"так\"),87,\nIF(AND(H23=\"так\",H24=\"ні\",H25=\"ні\",H26=\"так\",H27=\"ні\"),87,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"так\",H26=\"ні\",H27=\"ні\"),87,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"ні\",H26=\"ні\",H27=\"ні\"),87,\nIF(AND(H23=\"\",H24=\"\",H25=\"\",H26=\"\",H27=\"\"),87,0))))))))))","v":87}]
[null,"4)",{"$f":"IF(AND(H23=\"так\",H24=\"ні\",H25=\"так\",H26=\"ні\",H27=\"так\"),94,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"так\",H26=\"ні\",H27=\"ні\"),94,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"так\",H26=\"ні\",H27=\"так\"),94,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"ні\",H26=\"ні\",H27=\"так\"),94,\nIF(AND(H23=\"так\",H24=\"так\",H25=\"так\",H26=\"так\",H27=\"так\"),94,\nIF(AND(H23=\"ні\",H24=\"так\",H25=\"так\",H26=\"так\",H27=\"так\"),94,\nIF(AND(H23=\"ні\",H24=\"ні\",H25=\"так\",H26=\"так\",H27=\"так\"),94,0)))))))","v":0}]
[7,"Вік",{"$f":"IF(DATEDIF(H20,TODAY(),\"Y\")<=25,87,\nIF(DATEDIF(H20,TODAY(),\"Y\")<=40,88,\nIF(DATEDIF(H20,TODAY(),\"Y\")<=48,89,\nIF(DATEDIF(H20,TODAY(),\"Y\")<=55,92,93))))","v":88}]
[8,"Сімейний стан & Діти",{"$f":"SUM(C163:C165)","v":92}]
[null,"1)",{"$f":"IF(AND(H18=\"не одружений(на)\",H19>0),92,\nIF(AND(H18=\"не одружений(на)\",H19=0),92,\nIF(AND(H18=\"розлучений(на)\",H19>0),92,\nIF(AND(H18=\"не зареєстрований шлюб\",H19=0),92,0))))","v":92}]
[null,"2)",{"$f":"IF(AND(H18=\"вдова/вдівець\",H19=0),90,\nIF(AND(H18=\"одружений(на)\",H19>0),90,\nIF(AND(H18=\"не зареєстрований шлюб\",H19>0),90,0)))","v":0}]
[null,"3)",{"$f":"IF(AND(H18=\"вдова/вдівець\",H19>0),88,\nIF(AND(H18=\"одружений(на)\",H19=0),88,\nIF(AND(H18=\"розлучений(на)\",H19=0),88,0)))","v":0}]
[9,"КД - кількість днів прострочки на момент розрахунку",{"$f":"IF(C25<=7,200,IF(C25<=30,100,IF(C25<=60,50,IF(C25<=90,25,0))))","v":200}]
[10,"Динаміка доходів",{"$f":"IF(OR(C147>=10%,C147=\"Позич не здійснює п.д.\"),173,\nIF(AND(C147>=0%,C147<10%),100,\nIF(AND(C147>=-10%,C147<0%),20,\nIF(OR(AND(C145<=0,C146>0),AND(C146<0,C145>0)),50,\nIF(OR(C147<-10%,AND(C145<=0,C146<=0),AND(C145>0,C146<=0),AND(C146>0,C145<=0),AND(C146=0,C145>0),AND(C145=0,C146>0)),0,0)))))","v":173}]
[]
["Інтегральна оцінка","S",{"$f":"SUM(C150:C153)+MIN(0.3/0.7*SUM(C150:C153),C155+C156+C161+C162+C166+C167)","v":4974}]
[null,"Показник 1",{"$f":"IF(C169<1250,5,IF(C169<2000,4,IF(C169<3000,3,IF(C169<3500,2,1))))","v":1}]
[null,"Показник 2",{"$f":"IF(C143<=0.5,1,IF(C143<=0.6,2,IF(C143<=0.7,3,IF(C143<=0.8,4,5))))","v":1}]
[null,"Показник 3",{"$f":"IF(C25<=7,1,IF(C25<=30,2,IF(C25<=60,3,IF(C25<=90,4,5))))","v":1}]
[]
[null,"Клас",{"$f":"IF(AND(H23=\"ні\",H24=\"ні\",H25=\"ні\",H26=\"ні\",H27=\"ні\"),MAX(C170,C171,C172,2),MAX(C170,C171,C172))","v":1}]

{"sheet":"Ануїтетна_графік_Іпотека","index":1,"n_rows":248,"n_cols":15,"rows_kept":248,"cut":false,"hidden":true,"merged":[]}
["Сума ануїтету",{"$f":"((E1*POWER(1+(E2/12),E3)*(E2/12)))/(POWER(1+(E2/12),E3)-1)","v":116583.33333333333},{"$f":"PMT(E2/12,E3,-E1)","v":116583.33333333333},"Сума кредиту",{"$f":"'Платоспроможність боржника'!C135","v":100000},null,null,"Дата формування:",null,{"$f":"TODAY()","v":45824},null,null,null,null,"ІПОТЕКА"]
["Процентний платіж ",{"$f":"E1*(E2/12)","v":116583.33333333333},{"$f":"IPMT(E2/12,1,E3,-(E1))","v":116583.33333333333},"Ставка кредиту",{"$f":"'Платоспроможність боржника'!H6","v":13.99},"Відсоткові ставки на різні періоди","Дата сплати","Графік погашення кредиту"]
["Платіж по основній сумі",{"$f":"B1-B2","v":0},{"$f":"PPMT(E2/12,1,E3,-E1)","v":8.49443429190391E-16},"Строк кредиту",{"$f":"'Платоспроможність боржника'!H5","v":60},null,null,"№ платежу","Розмір ануїтету","Погашення суми кредиту","Сплата відсотків","Сплата щомісячної комісії","Всього платежів",null,"Залишок заборгованості"]
["Дата розрахунку",null,{"$f":"TODAY()","v":45824},"Комісія за управління",{"$f":"'Платоспроможність боржника'!H4/100*E1","v":0},"%",null,0,{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},"грн.",{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},"грн.",{"$f":"E1","v":100000}]
["Періодичність сплати (міс.) ",1,1,"Валюта","UAH",{"$f":"IF(G5=\"Всього:\",\"\",IF(AND(G5>$B$9,G5<=$B$10),$C$16,IF(AND(G5>$B$9,G5<=$B$11),$D$16,IF(AND(G5>$B$10,G5<=$B$14),$E$16,$B$16))))","v":13.99},{"$f":"IF(AND(DAY(C4)<=15,$B$7>DAY(C4)),DATE(YEAR(C4),MONTH(C4),IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(C4,0)),EOMONTH(C4,0),$B$7)),DAY(1))),DATE(YEAR(C4),MONTH(C4)+1,IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(C4,1)),EOMONTH(C4,1),$B$7)),DAY(1))))","v":45839},{"$f":"IF(H4>$E$8,\"\",H4+1)","v":1},{"$f":"IF($G5=\"Всього:\",SUM($I$4:I4),IF(AND(DAY($C$4)>=15,H5=1),K5+L5,$C$32))","v":582.91666666666663},{"$f":"IF($G5=\"Всього:\",SUM($J$4:J4),IF(DAY(C4)>15,0,IF(I5-SUM(K5:L5)<0,0,I5-SUM(K5:L5))))","v":0},{"$f":"$E$1*F5*(G5-$C$4)/36000","v":582.91666666666663},{"$f":"$E$4","v":0},{"$f":"IF($E$5=\"UAH\",J5+L5+K5,J5+K5)","v":582.91666666666663},{"$f":"IF($E$5=\"UAH\",\"\",L5)","v":""},{"$f":"O4-J5","v":100000}]
["Сума ануїтету (грн.)",null,{"$f":"IF(E5=\"EUR\",C1*E7,IF(E5=\"USD\",C1*E6,C1))","v":116583.33333333333},null,null,{"$f":"IF(G6=\"Всього:\",\"\",IF(AND(G6>$B$9,G6<=$B$10),$C$16,IF(AND(G6>$B$9,G6<=$B$11),$D$16,IF(AND(G6>$B$10,G6<=$B$14),$E$16,$B$16))))","v":13.99},{"$f":"IF(H5=$E$8,\"Всього:\",IF($E$3+1=H6,$B$14,DATE(YEAR(G5),MONTH(G5)+1,IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(G5,1)),EOMONTH(G5,1),$B$7)),DAY(1)))))","v":45870},{"$f":"IF(H5>$E$8,\"\",H5+1)","v":2},{"$f":"IF($G6=\"Всього:\",SUM($I$4:I5),IF(AND(DAY($C$4)>=15,H6=1),K6+L6,$C$32))","v":3804},{"$f":"IF($G6=\"Всього:\",SUM($J$4:J5),IF(I6-SUM(K6:L6)<0,0,I6-SUM(K6:L6)))","v":2599.3055555555557},{"$f":"IF(G6=\"Всього:\",SUM($K$5:K5),IF(F6<>F5,(F6*O5/36000*(G6-CONCATENATE(DAY($C$4),\".\",MONTH(G5),\".\",YEAR(G5)))+(F5*O5/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G5),\".\",YEAR(G5))-G5))),F6*O5/36000*(G6-G5)))","v":1204.6944444444446},{"$f":"IF(G6=\"Всього:\",SUM($L$5:L5),$E$4)","v":0},{"$f":"IF(G6=\"Всього:\",SUM($M$5:M5),IF($E$5=\"UAH\",J6+L6+K6,J6+K6))","v":3804},{"$f":"IF(G6=\"Всього:\",SUM($N$4:N5),IF($E$5=\"UAH\",\"\",L6))","v":""},97400.694444444438]
["День оплати",1,null,null,null,13.99,{"$f":"IF(H6=$E$8,\"Всього:\",IF($E$3+1=H7,$B$14,DATE(YEAR(G6),MONTH(G6)+1,IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(G6,1)),EOMONTH(G6,1),$B$7)),DAY(1)))))","v":45901},3,{"$f":"IF($G7=\"Всього:\",SUM($I$4:I6),IF(AND(DAY($C$4)>=15,H7=1),K7+L7,$C$32))","v":3804},{"$f":"IF($G7=\"Всього:\",SUM($J$4:J6),IF(I7-SUM(K7:L7)<0,0,I7-SUM(K7:L7)))","v":2630.6192451774691},{"$f":"IF(G7=\"Всього:\",SUM($K$5:K6),IF(F7<>F6,(F7*O6/36000*(G7-CONCATENATE(DAY($C$4),\".\",MONTH(G6),\".\",YEAR(G6)))+(F6*O6/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G6),\".\",YEAR(G6))-G6))),F7*O6/36000*(G7-G6)))","v":1173.3807548225309},{"$f":"IF(G7=\"Всього:\",SUM($L$5:L6),$E$4)","v":0},{"$f":"IF(G7=\"Всього:\",SUM($M$5:M6),IF($E$5=\"UAH\",J7+L7+K7,J7+K7))","v":3804},{"$f":"IF(G7=\"Всього:\",SUM($N$4:N6),IF($E$5=\"UAH\",\"\",L7))","v":""},94770.075199266968]
["Дата початку дії ставки 1",{"$f":"C4","v":45824},null,"Строк кредиту після 15 числа",{"$f":"IF(DAY(C4)>=15,E3+1,E3+1)","v":61},13.99,45931,4,{"$f":"IF($G8=\"Всього:\",SUM($I$4:I7),IF(AND(DAY($C$4)>=15,H8=1),K8+L8,$C$32))","v":3804},{"$f":"IF($G8=\"Всього:\",SUM($J$4:J7),IF(I8-SUM(K8:L8)<0,0,I8-SUM(K8:L8)))","v":2699.1388733018794},{"$f":"IF(G8=\"Всього:\",SUM($K$5:K7),IF(F8<>F7,(F8*O7/36000*(G8-CONCATENATE(DAY($C$4),\".\",MONTH(G7),\".\",YEAR(G7)))+(F7*O7/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G7),\".\",YEAR(G7))-G7))),F8*O7/36000*(G8-G7)))","v":1104.8611266981206},{"$f":"IF(G8=\"Всього:\",SUM($L$5:L7),$E$4)","v":0},{"$f":"IF(G8=\"Всього:\",SUM($M$5:M7),IF($E$5=\"UAH\",J8+L8+K8,J8+K8))","v":3804},{"$f":"IF(G8=\"Всього:\",SUM($N$4:N7),IF($E$5=\"UAH\",\"\",L8))","v":""},92070.936325965085]
["Дата початку дії ставки 2",{"$f":"IF('Платоспроможність боржника'!H7=\"\",B14,EDATE($C$4,'Платоспроможність боржника'!$H$7))","v":47649},null,null,null,13.99,45962,5,{"$f":"IF($G9=\"Всього:\",SUM($I$4:I8),IF(AND(DAY($C$4)>=15,H9=1),K9+L9,$C$32))","v":3804},{"$f":"IF($G9=\"Всього:\",SUM($J$4:J8),IF(I9-SUM(K9:L9)<0,0,I9-SUM(K9:L9)))","v":2694.8265451331167},{"$f":"IF(G9=\"Всього:\",SUM($K$5:K8),IF(F9<>F8,(F9*O8/36000*(G9-CONCATENATE(DAY($C$4),\".\",MONTH(G8),\".\",YEAR(G8)))+(F8*O8/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G8),\".\",YEAR(G8))-G8))),F9*O8/36000*(G9-G8)))","v":1109.1734548668833},{"$f":"IF(G9=\"Всього:\",SUM($L$5:L8),$E$4)","v":0},{"$f":"IF(G9=\"Всього:\",SUM($M$5:M8),IF($E$5=\"UAH\",J9+L9+K9,J9+K9))","v":3804},{"$f":"IF(G9=\"Всього:\",SUM($N$4:N8),IF($E$5=\"UAH\",\"\",L9))","v":""},89376.109780831976]
["Дата початку дії ставки 3",{"$f":"IF('Платоспроможність боржника'!I7=\"\",B14,EDATE($C$4,'Платоспроможність боржника'!$H$7+'Платоспроможність боржника'!$I$7))","v":47649},null,null,null,13.99,45992,6,{"$f":"IF($G10=\"Всього:\",SUM($I$4:I9),IF(AND(DAY($C$4)>=15,H10=1),K10+L10,$C$32))","v":3804},{"$f":"IF($G10=\"Всього:\",SUM($J$4:J9),IF(I10-SUM(K10:L10)<0,0,I10-SUM(K10:L10)))","v":2762.0235201384671},{"$f":"IF(G10=\"Всього:\",SUM($K$5:K9),IF(F10<>F9,(F10*O9/36000*(G10-CONCATENATE(DAY($C$4),\".\",MONTH(G9),\".\",YEAR(G9)))+(F9*O9/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G9),\".\",YEAR(G9))-G9))),F10*O9/36000*(G10-G9)))","v":1041.9764798615329},{"$f":"IF(G10=\"Всього:\",SUM($L$5:L9),$E$4)","v":0},{"$f":"IF(G10=\"Всього:\",SUM($M$5:M9),IF($E$5=\"UAH\",J10+L10+K10,J10+K10))","v":3804},{"$f":"IF(G10=\"Всього:\",SUM($N$4:N9),IF($E$5=\"UAH\",\"\",L10))","v":""},86614.086260693512]
["Дата початку дії ставки 4",{"$f":"IF('Платоспроможність боржника'!J7=\"\",B14,EDATE($C$4,'Платоспроможність боржника'!$H$7+'Платоспроможність боржника'!$I$7+'Платоспроможність боржника'!$J$7))","v":47649},null,null,null,13.99,46023,7,{"$f":"IF($G11=\"Всього:\",SUM($I$4:I10),IF(AND(DAY($C$4)>=15,H11=1),K11+L11,$C$32))","v":3804},{"$f":"IF($G11=\"Всього:\",SUM($J$4:J10),IF(I11-SUM(K11:L11)<0,0,I11-SUM(K11:L11)))","v":2760.5649147111062},{"$f":"IF(G11=\"Всього:\",SUM($K$5:K10),IF(F11<>F10,(F11*O10/36000*(G11-CONCATENATE(DAY($C$4),\".\",MONTH(G10),\".\",YEAR(G10)))+(F10*O10/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G10),\".\",YEAR(G10))-G10))),F11*O10/36000*(G11-G10)))","v":1043.4350852888936},{"$f":"IF(G11=\"Всього:\",SUM($L$5:L10),$E$4)","v":0},{"$f":"IF(G11=\"Всього:\",SUM($M$5:M10),IF($E$5=\"UAH\",J11+L11+K11,J11+K11))","v":3804},{"$f":"IF(G11=\"Всього:\",SUM($N$4:N10),IF($E$5=\"UAH\",\"\",L11))","v":""},83853.521345982401]
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["Дата погашення кредиту",{"$f":"EDATE($C$4,$E$3)-1","v":47649},null,null,null,13.99,46113,10,{"$f":"IF($G14=\"Всього:\",SUM($I$4:I13),IF(AND(DAY($C$4)>=15,H14=1),K14+L14,$C$32))","v":3804},{"$f":"IF($G14=\"Всього:\",SUM($J$4:J13),IF(I14-SUM(K14:L14)<0,0,I14-SUM(K14:L14)))","v":2862.6792322152878},{"$f":"IF(G14=\"Всього:\",SUM($K$5:K13),IF(F14<>F13,(F14*O13/36000*(G14-CONCATENATE(DAY($C$4),\".\",MONTH(G13),\".\",YEAR(G13)))+(F13*O13/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G13),\".\",YEAR(G13))-G13))),F14*O13/36000*(G14-G13)))","v":941.32076778471242},{"$f":"IF(G14=\"Всього:\",SUM($L$5:L13),$E$4)","v":0},{"$f":"IF(G14=\"Всього:\",SUM($M$5:M13),IF($E$5=\"UAH\",J14+L14+K14,J14+K14))","v":3804},{"$f":"IF(G14=\"Всього:\",SUM($N$4:N13),IF($E$5=\"UAH\",\"\",L14))","v":""},75275.04042986971]
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["min",3803.9567544298634,3804,"Ануїтет",null,13.99,46661,28,{"$f":"IF($G32=\"Всього:\",SUM($I$4:I31),IF(AND(DAY($C$4)>=15,H32=1),K32+L32,$C$32))","v":3804},{"$f":"IF($G32=\"Всього:\",SUM($J$4:J31),IF(I32-SUM(K32:L32)<0,0,I32-SUM(K32:L32)))","v":3561.7756305336252},{"$f":"IF(G32=\"Всього:\",SUM($K$5:K31),IF(F32<>F31,(F32*O31/36000*(G32-CONCATENATE(DAY($C$4),\".\",MONTH(G31),\".\",YEAR(G31)))+(F31*O31/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G31),\".\",YEAR(G31))-G31))),F32*O31/36000*(G32-G31)))","v":242.22436946637475},{"$f":"IF(G32=\"Всього:\",SUM($L$5:L31),$E$4)","v":0},{"$f":"IF(G32=\"Всього:\",SUM($M$5:M31),IF($E$5=\"UAH\",J32+L32+K32,J32+K32))","v":3804},{"$f":"IF(G32=\"Всього:\",SUM($N$4:N31),IF($E$5=\"UAH\",\"\",L32))","v":""},17215.15384478086]
["max",3803.9571162986153,3804,"Максимальна сума",null,13.99,46692,29,{"$f":"IF($G33=\"Всього:\",SUM($I$4:I32),IF(AND(DAY($C$4)>=15,H33=1),K33+L33,$C$32))","v":3804},{"$f":"IF($G33=\"Всього:\",SUM($J$4:J32),IF(I33-SUM(K33:L33)<0,0,I33-SUM(K33:L33)))","v":3596.6099980293607},{"$f":"IF(G33=\"Всього:\",SUM($K$5:K32),IF(F33<>F32,(F33*O32/36000*(G33-CONCATENATE(DAY($C$4),\".\",MONTH(G32),\".\",YEAR(G32)))+(F32*O32/36000*(CONCATENATE(DAY($C$4),\".\",MONTH(G32),\".\",YEAR(G32))-G32))),F33*O32/36000*(G33-G32)))","v":207.39000197063919},{"$f":"IF(G33=\"Всього:\",SUM($L$5:L32),$E$4)","v":0},{"$f":"IF(G33=\"Всього:\",SUM($M$5:M32),IF($E$5=\"UAH\",J33+L33+K33,J33+K33))","v":3804},{"$f":"IF(G33=\"Всього:\",SUM($N$4:N32),IF($E$5=\"UAH\",\"\",L33))","v":""},13618.5438467515]
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["Сума ануїтету",{"$f":"((E1*POWER(1+(E2/12),E3)*(E2/12)))/(POWER(1+(E2/12),E3)-1)","v":932666.66666666651},{"$f":"PMT(E2/12,E3,-E1)","v":932666.66666666674},"Сума кредиту",{"$f":"'Калькулятор '!N2","v":800000},null,null,"Дата формування:",null,{"$f":"TODAY()","v":"2025-06-16"},null,null,null,null,"АВТОКРЕДИТ"]
["Процентний платіж ",{"$f":"E1*(E2/12)","v":932666.66666666663},{"$f":"IPMT(E2/12,1,E3,-(E1))","v":932666.66666666663},"Ставка кредиту",{"$f":"'Калькулятор '!E14","v":13.99},"Відсоткові ставки на різні періоди","Дата сплати","Графік погашення кредиту",null,null,null,null,null,null,null,null,null,null,12,null,null,null,"Загальна вартість кредиту, грн",null,{"$f":"IF(E3=S2,J17,IF(E3=S3,J29,IF(E3=S4,J41,IF(E3=S5,J53,0))))+Y3+IF(E3=S6,J65,IF(E3=S7,J77,IF(E3=S8,J89,0)))","v":1279621.642454731},null,null,{"$f":"R3+Y7+Y6+Y4","v":497888.30912139791},{"$f":"IF(E3=S2,AVERAGE(O4:O15),IF(E3=S3,AVERAGE(O4:O27),IF(E3=S4,AVERAGE(O4:O39),IF(E3=S5,AVERAGE(O4:O51),IF(E3=S6,AVERAGE(O4:O63),0)))))","v":445753.40317655262}]
["Платіж по основній сумі",{"$f":"B1-B2","v":0},{"$f":"PPMT(E2/12,1,E3,-E1)","v":7.2397713393402739E-11},"Строк кредиту",{"$f":"'Калькулятор '!E12","v":48},null,null,"№ платежу","Розмір ануїтету","Погашення суми кредиту","Сплата відсотків","Сплата щомісячної комісії","Всього платежів",null,"Залишок заборгованості",null,null,{"$f":"IF(E3=S2,Y7,IF(E3=S3,Y7+R17,IF(E3=S4,Y7+(SUM(R17:R29)),IF(E3=S5,Y7+(SUM(R17:R41)),IF(E3=S6,Y7+(SUM(R17:R53)),IF(E3=S7,Y7+(SUM(R17:R65)),IF(E3=S8,Y7+(SUM(R17:R77)),0)))))))","v":185257.2},24,null,null,null,"Загальні витрати за кредитом, грн",null,{"$f":"SUM(Y4:Y8)+Y12-Y7+R3","v":479621.64245473122},null,null,{"$f":"IF('Калькулятор '!V23<20,1,IF(AC3=Y10,0,1))","v":0},0.32157220244407669]
["Дата розрахунку",null,{"$f":"TODAY()","v":45824},"Комісія за управління",{"$f":"'Платоспроможність боржника'!H4/100*E1","v":0},"%",null,0,{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},"грн.",{"$f":"IF($E$5=\"EUR\",\"Євро\",IF($E$5=\"USD\",\"дол. США\",\"грн.\"))","v":"грн."},"грн.",{"$f":"E1","v":800000},{"$f":"C4","v":45824},{"$f":"IFERROR(-E1+(Y6+Y7+Y5+Y8+Y12),\"\")","v":-707146.66666666663},null,36,null,null,null,"Відсотки",null,{"$f":"IF(E3=S2,K17,IF(E3=S3,K29,IF(E3=S4,K41,IF(E3=S5,K53,0))))+IF(E3=S6,K65,IF(E3=S7,K77,IF(E3=S8,K89,0)))","v":253111.10912139789}]
["Періодичність сплати (міс.) ",1,1,"Валюта","UAH",{"$f":"IF(G5=\"Всього:\",\"\",IF(AND(G5>$B$9,G5<=$B$10),$C$16,IF(AND(G5>$B$9,G5<=$B$11),$D$16,IF(AND(G5>$B$10,G5<=$B$14),$E$16,$B$16))))","v":13.99},{"$f":"IF(AND(DAY(C4)<=15,$B$7>DAY(C4)),DATE(YEAR(C4),MONTH(C4),IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(C4,0)),EOMONTH(C4,0),$B$7)),DAY(1))),DATE(YEAR(C4),MONTH(C4)+1,IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(C4,1)),EOMONTH(C4,1),$B$7)),DAY(1))))","v":45854},{"$f":"IF(H4>$E$8,\"\",H4+1)","v":1},{"$f":"IF($G5=\"Всього:\",SUM($I$4:I4),MAX($C$32,K5))","v":21940},{"$f":"IF($G5=\"Всього:\",SUM($J$4:J4),IF(I5-SUM(K5:L5)<0,0,I5-SUM(K5:L5)))","v":12613.333333333334},{"$f":"$E$1*F5*(G5-$C$4)/36000","v":9326.6666666666661},{"$f":"$E$4","v":0},{"$f":"IF($E$5=\"UAH\",J5+L5+K5,J5+K5)","v":21940},{"$f":"IF($E$5=\"UAH\",\"\",L5)","v":""},{"$f":"O4-J5","v":787386.66666666663},{"$f":"G5","v":45854},{"$f":"IF(R5=\"\",I5,IFERROR(I5+R5,0))","v":21940},null,48,null,null,null,"Нотаріальні послуги (одноразово)",null,{"$f":"Калькулятор!N40","v":0}]
["Сума ануїтету (грн.)",null,{"$f":"IF(E5=\"EUR\",C1*E7,IF(E5=\"USD\",C1*E6,C1))","v":932666.66666666674},null,null,{"$f":"IF(G6=\"Всього:\",\"\",IF(AND(G6>$B$9,G6<=$B$10),$C$16,IF(AND(G6>$B$9,G6<=$B$11),$D$16,IF(AND(G6>$B$10,G6<=$B$14),$E$16,$B$16))))","v":13.99},{"$f":"IF(H5=$E$3,\"Всього:\",IF($E$3=H6,$B$14,DATE(YEAR(G5),MONTH(G5)+1,IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(G5,1)),EOMONTH(G5,1),$B$7)),DAY(1)))))","v":45885},{"$f":"IF(H5>$E$8,\"\",H5+1)","v":2},{"$f":"IF($G6=\"Всього:\",SUM($I$4:I5),MAX($C$32,K6))","v":21940},{"$f":"IF($G6=\"Всього:\",SUM($J$4:J5),IF(I6-SUM(K6:L6)<0,0,I6-SUM(K6:L6)))","v":12454.396570370371},{"$f":"IF(G6=\"Всього:\",SUM($K$5:K5),F6*O5/36000*(G6-G5))","v":9485.6034296296293},{"$f":"IF(G6=\"Всього:\",SUM($L$5:L5),$E$4)","v":0},{"$f":"IF(G6=\"Всього:\",SUM($M$5:M5),IF($E$5=\"UAH\",J6+L6+K6,J6+K6))","v":21940},{"$f":"IF(G6=\"Всього:\",SUM($N$4:N5),IF($E$5=\"UAH\",\"\",L6))","v":""},774932.27009629621,45885,{"$f":"IF(R7=\"\",I6,IFERROR(I6+R7,0))","v":21940},null,60,null,null,null,"Комісія за видачу кредиту (грн)",null,{"$f":"Z6*E1","v":7920.0000000000009},{"$f":"Калькулятор!G9","v":9.9000000000000008E-3}]
["День оплати",{"$f":"DAY(C4)","v":16},null,null,null,13.99,{"$f":"IF(H6=$E$3,\"Всього:\",IF($E$3=H7,$B$14,DATE(YEAR(G6),MONTH(G6)+1,IF($B$7<>\"\",DAY(IF($B$7>DAY(EOMONTH(G6,1)),EOMONTH(G6,1),$B$7)),DAY(1)))))","v":45916},3,{"$f":"IF($G7=\"Всього:\",SUM($I$4:I6),MAX($C$32,K7))","v":21940},{"$f":"IF($G7=\"Всього:\",SUM($J$4:J6),IF(I7-SUM(K7:L7)<0,0,I7-SUM(K7:L7)))","v":12604.433993942703},{"$f":"IF(G7=\"Всього:\",SUM($K$5:K6),F7*O6/36000*(G7-G6))","v":9335.5660060572973},{"$f":"IF(G7=\"Всього:\",SUM($L$5:L6),$E$4)","v":0},{"$f":"IF(G7=\"Всього:\",SUM($M$5:M6),IF($E$5=\"UAH\",J7+L7+K7,J7+K7))","v":21940},{"$f":"IF(G7=\"Всього:\",SUM($N$4:N6),IF($E$5=\"UAH\",\"\",L7))","v":""},762327.83610235353,45916,21940,null,72,null,null,null,"Страхування КАСКО, щорічно (грн)",null,{"$f":"Z7*AA7","v":51600},{"$f":"Калькулятор!G15","v":5.16E-2},{"$f":"'Калькулятор '!E4","v":1000000}]
["Дата початку дії ставки 1",{"$f":"C4","v":45824},null,"Строк кредиту після 15 числа",{"$f":"E3","v":48},13.99,45946,4,{"$f":"IF($G8=\"Всього:\",SUM($I$4:I7),MAX($C$32,K8))","v":21940},{"$f":"IF($G8=\"Всього:\",SUM($J$4:J7),IF(I8-SUM(K8:L8)<0,0,I8-SUM(K8:L8)))","v":13052.527977440062},{"$f":"IF(G8=\"Всього:\",SUM($K$5:K7),F8*O7/36000*(G8-G7))","v":8887.4720225599376},{"$f":"IF(G8=\"Всього:\",SUM($L$5:L7),$E$4)","v":0},{"$f":"IF(G8=\"Всього:\",SUM($M$5:M7),IF($E$5=\"UAH\",J8+L8+K8,J8+K8))","v":21940},{"$f":"IF(G8=\"Всього:\",SUM($N$4:N7),IF($E$5=\"UAH\",\"\",L8))","v":""},749275.30812491348,45946,21940,null,84,null,null,null,"Пенсійний фонд",null,{"$f":"IF('Калькулятор '!E5=\"Ні\",'Калькулятор (реал. ставка)'!C18,0)","v":33333.333333333328},250,3028]
["Дата початку дії ставки 2",{"$f":"IF('Платоспроможність боржника'!H7=\"\",B14,EDATE($C$4,'Платоспроможність боржника'!$H$7))","v":47284},null,null,null,13.99,45977,5,{"$f":"IF($G9=\"Всього:\",SUM($I$4:I8),MAX($C$32,K9))","v":21940},{"$f":"IF($G9=\"Всього:\",SUM($J$4:J8),IF(I9-SUM(K9:L9)<0,0,I9-SUM(K9:L9)))","v":12913.521989425175},{"$f":"IF(G9=\"Всього:\",SUM($K$5:K8),F9*O8/36000*(G9-G8))","v":9026.478010574825},{"$f":"IF(G9=\"Всього:\",SUM($L$5:L8),$E$4)","v":0},{"$f":"IF(G9=\"Всього:\",SUM($M$5:M8),IF($E$5=\"UAH\",J9+L9+K9,J9+K9))","v":21940},{"$f":"IF(G9=\"Всього:\",SUM($N$4:N8),IF($E$5=\"UAH\",\"\",L9))","v":""},736361.78613548831,45977,21940,null,null,null,null,null,"Без ПДВ",null,{"$f":"Калькулятор!N46","v":33333.333333333328}]
["Дата початку дії ставки 3",{"$f":"IF('Платоспроможність боржника'!I7=\"\",B14,EDATE($C$4,'Платоспроможність боржника'!$H$7+'Платоспроможність боржника'!$I$7))","v":47284},null,null,null,13.99,46007,6,{"$f":"IF($G10=\"Всього:\",SUM($I$4:I9),MAX($C$32,K10))","v":21940},{"$f":"IF($G10=\"Всього:\",SUM($J$4:J9),IF(I10-SUM(K10:L10)<0,0,I10-SUM(K10:L10)))","v":13355.248843303765},{"$f":"IF(G10=\"Всього:\",SUM($K$5:K9),F10*O9/36000*(G10-G9))","v":8584.7511566962348},{"$f":"IF(G10=\"Всього:\",SUM($L$5:L9),$E$4)","v":0},{"$f":"IF(G10=\"Всього:\",SUM($M$5:M9),IF($E$5=\"UAH\",J10+L10+K10,J10+K10))","v":21940},{"$f":"IF(G10=\"Всього:\",SUM($N$4:N9),IF($E$5=\"UAH\",\"\",L10))","v":""},723006.53729218454,46007,21940,null,null,null,null,null,"Реальна ставка",null,{"$f":"IF(E3=S2,XIRR($Q$4:$Q$16,$P$4:$P$16),IF(E3=S3,XIRR($Q$4:$Q$28,$P$4:$P$28),IF(E3=S4,XIRR($Q$4:$Q$40,$P$4:$P$40),IF(E3=S5,XIRR($Q$4:$Q$52,$P$4:$P$52),IF(E3=S6,XIRR($Q$4:$Q$64,$P$4:$P$64),IF(E3=S7,XIRR($Q$4:$Q$76,$P$4:$P$76),IF(E3=S8,XIRR($Q$4:$Q$88,$P$4:$P$88))))))))","v":0.32157220244407669}]
["Дата початку дії ставки 4",{"$f":"IF('Платоспроможність боржника'!J7=\"\",B14,EDATE($C$4,'Платоспроможність боржника'!$H$7+'Платоспроможність боржника'!$I$7+'Платоспроможність боржника'!$J$7))","v":47284},null,null,null,13.99,46038,7,{"$f":"IF($G11=\"Всього:\",SUM($I$4:I10),MAX($C$32,K11))","v":21940},{"$f":"IF($G11=\"Всього:\",SUM($J$4:J10),IF(I11-SUM(K11:L11)<0,0,I11-SUM(K11:L11)))","v":13229.980412270901},{"$f":"IF(G11=\"Всього:\",SUM($K$5:K10),F11*O10/36000*(G11-G10))","v":8710.0195877290989},{"$f":"IF(G11=\"Всього:\",SUM($L$5:L10),$E$4)","v":0},{"$f":"IF(G11=\"Всього:\",SUM($M$5:M10),IF($E$5=\"UAH\",J11+L11+K11,J11+K11))","v":21940},{"$f":"IF(G11=\"Всього:\",SUM($N$4:N10),IF($E$5=\"UAH\",\"\",L11))","v":""},709776.55687991367,46038,21940,null,null,null,null,null,"Ефективна ставка",null,{"$f":"AB2/AC2/E3*12","v":0.27923976887967578}]
[null,null,null,null,null,13.99,46069,8,{"$f":"IF($G12=\"Всього:\",SUM($I$4:I11),MAX($C$32,K12))","v":21940},{"$f":"IF($G12=\"Всього:\",SUM($J$4:J11),IF(I12-SUM(K12:L12)<0,0,I12-SUM(K12:L12)))","v":13389.361251298618},{"$f":"IF(G12=\"Всього:\",SUM($K$5:K11),F12*O11/36000*(G12-G11))","v":8550.6387487013817},{"$f":"IF(G12=\"Всього:\",SUM($L$5:L11),$E$4)","v":0},{"$f":"IF(G12=\"Всього:\",SUM($M$5:M11),IF($E$5=\"UAH\",J12+L12+K12,J12+K12))","v":21940},{"$f":"IF(G12=\"Всього:\",SUM($N$4:N11),IF($E$5=\"UAH\",\"\",L12))","v":""},696387.1956286151,46069,21940,null,null,null,null,null,"Інші витрати",null,{"$f":"Калькулятор!N43+Калькулятор!N37","v":0}]
[null,null,null,null,null,13.99,46097,9,{"$f":"IF($G13=\"Всього:\",SUM($I$4:I12),MAX($C$32,K13))","v":21940},{"$f":"IF($G13=\"Всього:\",SUM($J$4:J12),IF(I13-SUM(K13:L13)<0,0,I13-SUM(K13:L13)))","v":14362.533548009969},{"$f":"IF(G13=\"Всього:\",SUM($K$5:K12),F13*O12/36000*(G13-G12))","v":7577.4664519900307},{"$f":"IF(G13=\"Всього:\",SUM($L$5:L12),$E$4)","v":0},{"$f":"IF(G13=\"Всього:\",SUM($M$5:M12),IF($E$5=\"UAH\",J13+L13+K13,J13+K13))","v":21940},{"$f":"IF(G13=\"Всього:\",SUM($N$4:N12),IF($E$5=\"UAH\",\"\",L13))","v":""},682024.66208060517,46097,21940]
["Дата погашення кредиту",{"$f":"EDATE($C$4,$E$3)-1","v":47284},null,null,null,13.99,46128,10,{"$f":"IF($G14=\"Всього:\",SUM($I$4:I13),MAX($C$32,K14))","v":21940},{"$f":"IF($G14=\"Всього:\",SUM($J$4:J13),IF(I14-SUM(K14:L14)<0,0,I14-SUM(K14:L14)))","v":13723.686786173956},{"$f":"IF(G14=\"Всього:\",SUM($K$5:K13),F14*O13/36000*(G14-G13))","v":8216.3132138260444},{"$f":"IF(G14=\"Всього:\",SUM($L$5:L13),$E$4)","v":0},{"$f":"IF(G14=\"Всього:\",SUM($M$5:M13),IF($E$5=\"UAH\",J14+L14+K14,J14+K14))","v":21940},{"$f":"IF(G14=\"Всього:\",SUM($N$4:N13),IF($E$5=\"UAH\",\"\",L14))","v":""},668300.97529443121,46128,21940,null,null,315373.34000000003,{"$f":"T14+Q4","v":-391773.3266666666},null,null,2500000]
[null,null,null,null,null,13.99,46158,11,{"$f":"IF($G15=\"Всього:\",SUM($I$4:I14),MAX($C$32,K15))","v":21940},{"$f":"IF($G15=\"Всього:\",SUM($J$4:J14),IF(I15-SUM(K15:L15)<0,0,I15-SUM(K15:L15)))","v":14148.724463025756},{"$f":"IF(G15=\"Всього:\",SUM($K$5:K14),F15*O14/36000*(G15-G14))","v":7791.2755369742436},{"$f":"IF(G15=\"Всього:\",SUM($L$5:L14),$E$4)","v":0},{"$f":"IF(G15=\"Всього:\",SUM($M$5:M14),IF($E$5=\"UAH\",J15+L15+K15,J15+K15))","v":21940},{"$f":"IF(G15=\"Всього:\",SUM($N$4:N14),IF($E$5=\"UAH\",\"\",L15))","v":""},654152.2508314054,46158,21940,null,null,null,{"$f":"400000-Y8-W13-Y6-Y5","v":358746.66666666669},null,null,null,12,24,36,48,60]
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["max",21939.861373113261,21940,"Максимальна сума",null,13.99,46707,29,{"$f":"IF($G33=\"Всього:\",SUM($I$4:I32),MAX($C$32,K33))","v":21940},{"$f":"IF($G33=\"Всього:\",SUM($J$4:J32),IF(I33-SUM(K33:L33)<0,0,I33-SUM(K33:L33)))","v":17258.05015357447},{"$f":"IF(G33=\"Всього:\",SUM($K$5:K32),F33*O32/36000*(G33-G32))","v":4681.9498464255284},{"$f":"IF(G33=\"Всього:\",SUM($L$5:L32),$E$4)","v":0},{"$f":"IF(G33=\"Всього:\",SUM($M$5:M32),IF($E$5=\"UAH\",J33+L33+K33,J33+K33))","v":21940},{"$f":"IF(G33=\"Всього:\",SUM($N$4:N32),IF($E$5=\"UAH\",\"\",L33))","v":""},371384.05474005698,46707,21940]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Термін",null,null,null,null,null,null,null,null,null,null,"Ануїтет",null,null,null,null,null,null,null,null,"Класика"]
[null,"Продукт",null,null,"Автостарт NEW",null,null,null,null,null,null,"Сума кредиту",null,{"$f":"IF(V23<20,\"Не достатня сума авансу\",IF(X4=3,0,$E$4-IF($X$4=1,$F$6,IF($X$4=2,$E$4/100*$F$8,0))))","v":800000},null,null,null,12,null,null,"Ануїтетна",null,{"$f":"IF(AND(V3=1,W3=1),2,0)","v":2},null,null,null,null,null,"ГРАФІК ПОГАШЕННЯ КРЕДИТУ ",null,null,null,null,null,null,null,null,"ГРАФІК ПОГАШЕННЯ КРЕДИТУ ",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(E12=R8,N6+AW16+AW28+AW40+AW52+AW64+AW76,IF(E12=R7,N6+AW16+AW28+AW40+AW52+AW64,IF(E12=R6,N6+AW16+AW28+AW40+AW52,IF(E12=R5,N6+AW16+AW28+AW40,IF(E12=R4,N6+AW16+AW28,IF(E12=R3,N6+AW16,IF(E12=R2,N6)))))))","v":185745},{"$f":"IF(E12=R8,#REF!+AX16+AX28+AX40+AX52+AX64+AX76,IF(E12=R7,#REF!+AX16+AX28+AX40+AX52+AX64,IF(E12=R6,#REF!+AX16+AX28+AX40+AX52,IF(E12=R5,#REF!+AX16+AX28+AX40,IF(E12=R4,#REF!+AX16+AX28,IF(E12=R3,#REF!+AX16,IF(E12=R2,#REF!)))))))","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,24,null,false,"Формат для авансу Продукту",{"$f":"IF(E2=\"\",0,1)","v":1},{"$f":"IF(E4=\"\",0,1)","v":1},{"$f":"IF(AND(F6=0,F8=0),0,IF(AND(F6>0,F8=\"\"),1,IF(AND(F6=0,F8>0),2,3)))","v":2},null,null,null,"Місяць","№ платежу",null,"Розмір щомісячних внесків з повернення кредиту, грн.","Щомісячна плата за кредитне обслуговування, грн.","Розмір щомісячних процентних внесків, грн.",null,"Загальна сума внесків до повернення в місяць, грн.",null,"Місяць","№ платежу",null,"Розмір щомісячних внесків з повернення кредиту, грн.","Щомісячна плата за кредитне обслуговування, грн.","Розмір щомісячних процентних внесків, грн.",null,"Загальна сума внесків до повернення в місяць, грн.",null,"Залишок заборгованості",{"$f":"-N2+N6+#REF!+N12+N4+#REF!","v":{"$error":"#REF!"}}]
[null,"Вартість автомобіля (грн)",null,null,1000000,null,null,null,null,null,null,"Комісія за видачу кредиту (грн)",null,{"$f":"Ануїтетна_графік_Авто!Y6","v":7920.0000000000009},null,null,null,36,null,null,{"$f":"IF(T3=\"Сума авансового платежу перевищує вартість авто\",1,IF(T3=\"Сума авансового платежу дорівнює вартості авто\",1,IF(T3=\"Сума авансового платежу недостатня\",1,0)))","v":0},{"$f":"IF(F6=\"\",0,1)","v":0},{"$f":"IF(F8=\"\",0,1)","v":1},{"$f":"IF(AND(V4=1,W4=0),1,IF(AND(W4=1,V4=0),2,IF(AND(V4=1,W4=1),3,IF(AND(V4=0,W4=0),4))))","v":2},null,null,null,{"$f":"DATE(YEAR($V$19),MONTH($V$19)+1,DAY(1)-1)","v":"2025-06-30"},1,null,{"$f":"IF($U$2=$X$17,PPMT($E$14/1200,AC4,$E$12,-$N$2))","v":12530.501691944781},null,{"$f":"IF($AE$4=0,$N$2*($E$14/100)*(AB4-$V$19+1)/360,IPMT($E$14/1200,AC4,$E$12,-$N$2))","v":9326.6666666666661},null,{"$f":"AG4+AE4","v":21857.168358611445},null,{"$f":"DATE(YEAR($V$19),MONTH($V$19)+1,DAY(1)-1)","v":"2025-06-30"},1,null,{"$f":"IF($V$20>15,0,$N$2/$E$12)","v":0},null,{"$f":"IF(AN4=0,$N$2*($E$14/100)*(AK4-$V$19+1)/360,$N$2*$E$14/100*31/360)","v":4663.333333333333},null,{"$f":"AP4","v":4663.333333333333},null,null,{"$f":"AI4","v":21857.168358611445}]
[null,"Електромобіль",null,null,"Ні",null,null,null,null,null,null,null,null,null,null,null,null,48,null,null,null,null,null,null,null,null,null,{"$f":"IF(AC5=\"\",\"\",DATE(YEAR(AB4),MONTH(AB4)+2,DAY(1)-1))","v":"2025-07-31"},2,null,{"$f":"IF($AE$4=0,PPMT($E$14/1200,AC4,$E$12,-$N$2),PPMT($E$14/1200,AC5,$E$12,-$N$2))","v":12676.58645750337},null,{"$f":"IF($AE$4=0,IPMT($E$14/1200,AC4,$E$12,-$N$2),IPMT($E$14/1200,AC5,$E$12,-$N$2))","v":9180.5819011080785},null,{"$f":"AG5+AE5","v":21857.168358611449},null,{"$f":"IF(AL5=\"\",\"\",DATE(YEAR(AK4),MONTH(AK4)+2,DAY(1)-1))","v":"2025-07-31"},2,null,{"$f":"$N$2/$E$12","v":16666.666666666668},null,{"$f":"AT5*$E$14/100*(AK5-AK4)/360","v":9637.5555555555547},null,{"$f":"AN5+AP5","v":26304.222222222223},null,{"$f":"$N$2-AN4","v":800000},{"$f":"AI5","v":21857.168358611449}]
[null,"Аванс",null,null,"Грн.",null,null,null,null,null,null,"Страхування КАСКО перший рік (грн)",null,{"$f":"Ануїтетна_графік_Авто!Y7","v":51600},null,null,null,60,null,null,null,null,null,null,null,null,null,"2025-08-31",3,null,12824.374327953765,null,9032.7940306576838,null,{"$f":"AG6+AE6","v":21857.168358611449},null,"2025-08-31",3,null,16666.666666666668,null,9436.7731481481478,null,26103.439814814818,null,{"$f":"AT5-AN5","v":783333.33333333337},21857.168358611449]
[null,null,null,null,"Або",null,null,null,null,null,null,null,null,null,null,null,null,72,null,null,null,null,null,null,null,null,null,"2025-09-30",4,null,12973.885158660491,null,8883.2831999509563,null,21857.168358611445,null,"2025-09-30",4,null,16666.666666666668,null,8938.0555555555566,null,25604.722222222226,null,766666.66666666674,21857.168358611445]
[null,null,null,null,"%",20,null,null,null,null,null,"Страхування КАСКО (сума за всі наступні роки) (грн)",null,{"$f":"Ануїтетна_графік_Авто!R3-Ануїтетна_графік_Авто!Y7","v":133657.20000000001},null,null,null,84,null,null,null,null,null,null,null,null,null,"2025-10-31",5,null,13125.139036468543,null,8732.0293221429056,null,21857.168358611449,null,"2025-10-31",5,null,16666.666666666668,null,9035.2083333333339,null,25701.875,null,750000.00000000012,21857.168358611449]
[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,"2025-11-30",6,null,13278.156282402037,null,8579.0120762094102,null,21857.168358611445,null,"2025-11-30",6,null,16666.666666666668,null,8549.4444444444471,null,25216.111111111117,null,733333.33333333349,21857.168358611445]
[null,"Відображення авансу",null,null,{"$f":"IF(X4=1,F6/E4,IF(X4=2,E4/100*F8,\"\"))","v":200000},null,null,null,null,null,null,"Сума процентів за користування кредитом (грн)",null,{"$f":"Ануїтетна_графік_Авто!Y4","v":253111.10912139789},null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-12-31",7,null,13432.957454394373,null,8424.2109042170723,null,21857.168358611445,null,"2025-12-31",7,null,16666.666666666668,null,8633.6435185185219,null,25300.31018518519,null,716666.66666666686,21857.168358611445]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Варіанти НВ",null,null,null,null,null,null,null,null,null,"2026-01-31",8,null,13589.563350050188,null,8267.6050085612587,null,21857.168358611445,null,"2026-01-31",8,null,16666.666666666668,null,8432.861111111115,null,25099.527777777781,null,700000.00000000023,21857.168358611445]
[null,"Термін кредитування (міс)",null,null,48,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,"2026-02-28",9,null,13747.995009439523,null,8109.1733491719242,null,21857.168358611445,null,"2026-02-28",9,null,16666.666666666668,null,7435.4259259259288,null,24102.092592592599,null,683333.3333333336,21857.168358611445]
[null,null,null,null,null,null,null,null,null,null,null,"Пенсійний фонд (грн)",null,{"$f":"Ануїтетна_графік_Авто!Y8","v":33333.333333333328},{"$f":"N15-N19","v":799999.99999999977},null,null,{"$f":"IF(R12=0,0%,5.99%)","v":0},null,null,null,null,null,null,null,null,null,"2026-03-31",10,null,13908.273717924571,null,7948.8946406868754,null,21857.168358611445,null,"2026-03-31",10,null,16666.666666666668,null,8031.2962962963011,null,24697.962962962971,null,666666.66666666698,21857.168358611445]
[null,"Відсоткова ставка річна (%)",null,null,{"$f":"IF(R33=0,\"\",R33)","v":13.99},null,null,null,null,null,null,null,null,null,null,null,null,"Сума кредиту",null,null,null,null,null,"Так",null,null,null,"2026-04-30",11,null,14070.421009019377,null,7786.7473495920713,null,21857.168358611449,null,"2026-04-30",11,null,16666.666666666668,null,7577.9166666666715,null,24244.583333333339,null,650000.00000000035,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,"Загальна вартість кредиту для клієнта (грн)",null,{"$f":"Ануїтетна_графік_Авто!Y2","v":1279621.642454731},null,null,"без комісії за видачу",{"$f":"$E$4-IF($X$4=1,$F$6,IF($X$4=2,$E$4/100*$F$8,0))+$N$6","v":851600},null,null,null,null,null,"Ні",null,null,null,"2026-05-31",12,null,14234.458667282863,null,7622.7096913285868,null,21857.168358611449,null,"2026-05-31",12,null,16666.666666666668,null,7629.7314814814872,null,24296.398148148153,null,633333.33333333372,21857.168358611449]
[null,"Суму платежу за розрахунковий період (місяць) (грн)",null,null,{"$f":"Ануїтетна_графік_Авто!C32","v":21940},null,null,null,null,null,null,null,null,null,null,null,"вартість-аванс",{"$f":"$E$4-IF($X$4=1,$F$6,IF($X$4=2,$E$4/100*$F$8))","v":800000},null,null,null,null,null,null,null,null,null,"2026-06-30",13,null,14400.408731245603,null,7456.7596273658464,null,21857.168358611449,null,"2026-06-30",13,null,16666.666666666668,null,7189.3055555555611,null,23855.97222222223,null,616666.66666666709,{"$f":"AI16+AW16+AX16","v":{"$error":"#REF!"}},null,{"$f":"IF($E$12>$R$2,$E$4*0.9*5.5%,\"\")","v":49500},{"$f":"IF(#REF!=0,0,IF($E$12>$R$2,(AE90-SUM(AE4:AE15))*0.0299,\"\"))","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ануїтетна",null,null,null,"2026-07-31",14,null,14568.293496370705,null,7288.8748622407438,null,21857.168358611449,null,"2026-07-31",14,null,16666.666666666668,null,7228.1666666666733,null,23894.833333333343,null,600000.00000000047,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(#REF!=S28,#REF!=S31),\"Класична\",\"\")","v":{"$error":"#REF!"}},null,null,null,"2026-08-31",15,null,14738.135518049228,null,7119.0328405622195,null,21857.168358611449,null,"2026-08-31",15,null,16666.666666666668,null,7027.3842592592646,null,23694.050925925934,null,583333.33333333384,21857.168358611449]
[null,"Реальна річна процентна ставка, відсотків річних",null,null,{"$f":"Ануїтетна_графік_Авто!Y10","v":0.32157220244407669},null,null,null,null,null,null,"Загальні витрати за кредитом (грн)",null,{"$f":"Ануїтетна_графік_Авто!Y3","v":479621.64245473122},null,null,null,"сума дод. страхування",null,null,"Дата",{"$f":"TODAY()","v":45824},null,1,31,null,null,"2026-09-30",16,null,14909.957614630484,null,6947.2107439809633,null,21857.168358611449,null,"2026-09-30",16,null,16666.666666666668,null,6606.3888888888951,null,23273.055555555562,null,566666.66666666721,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(#REF!=\"Так\",ROUND((E4-F8+N6)*#REF!/100,2),IF(#REF!=\"Ні\",ROUND((E4-F8)*#REF!/100,2),0))","v":{"$error":"#REF!"}},null,null,"Число",{"$f":"DAY(V19)","v":16},null,2,28,null,null,"2026-10-31",17,null,15083.782870487717,null,6773.3854881237303,null,21857.168358611449,null,"2026-10-31",17,null,16666.666666666668,null,6625.8194444444525,null,23292.48611111112,null,550000.00000000058,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Місяць",{"$f":"MONTH(V19)","v":6},null,3,31,null,null,"2026-11-30",18,null,15259.634639119487,null,6597.5337194919612,null,21857.168358611449,null,"2026-11-30",18,null,16666.666666666668,null,6217.7777777777856,null,22884.444444444453,null,533333.33333333395,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Максимальна сума кредиту",1200000,null,4,30,null,null,{"$f":"IF(AC22=\"\",\"\",DATE(YEAR(AB21),MONTH(AB21)+2,DAY(1)-1))","v":"2026-12-31"},19,null,15437.536546287223,null,6419.6318123242263,null,21857.168358611449,null,"2026-12-31",19,null,16666.666666666668,null,6224.2546296296368,null,22890.921296296307,null,516666.66666666727,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"%,Участь власними коштами",{"$f":"IF(X4=1,F6/E4*100,IF(X4=2,F8,0))","v":20},null,5,31,null,null,"2027-01-31",20,null,15617.512493189353,null,6239.6558654220944,null,21857.168358611449,null,"2027-01-31",20,null,16666.666666666668,null,6023.4722222222299,null,22690.138888888898,null,500000.00000000058,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":45824},"Дата","ПМ",null,null,null,null,null,null,null,null,"2027-02-28",21,null,15799.586659672454,null,6057.581698938995,null,21857.168358611449,null,"2027-02-28",21,null,16666.666666666668,null,5259.2037037037098,null,21925.87037037038,null,483333.3333333339,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q24<R26,S25,IF(Q24<R27,S26,S27))","v":2270},43831,2102,null,null,null,null,6,30,null,null,"2027-03-31",22,null,15983.7835074798,null,5873.3848511316473,null,21857.168358611449,null,"2027-03-31",22,null,16666.666666666668,null,5621.9074074074142,null,22288.57407407408,null,466666.66666666721,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,44013,2197,null,null,null,null,7,31,null,null,"2027-04-30",{"$f":"AC25+1","v":23},null,16170.127783537837,null,5687.0405750736127,null,21857.168358611449,null,"2027-04-30",23,null,16666.666666666668,null,5246.2500000000055,null,21912.916666666672,null,450000.00000000052,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,44166,2270,null,null,null,null,8,31,null,null,"2027-05-31",{"$f":"AC26+1","v":24},null,16358.644523280913,null,5498.5238353305322,null,21857.168358611445,null,"2027-05-31",24,null,16666.666666666668,null,5220.3425925925985,null,21887.009259259266,null,433333.33333333384,21857.168358611445]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,30,null,null,"2027-06-30",{"$f":"AC27+1","v":25},null,16549.359054014833,null,5307.809304596617,null,21857.168358611449,null,"2027-06-30",25,null,16666.666666666668,null,4857.6388888888951,null,21524.305555555562,null,416666.66666666715,{"$f":"AI28+AW28+AX28","v":{"$error":"#REF!"}},null,{"$f":"IF($E$12>$R$3,$E$4*0.9*0.9*5.5%,\"\")","v":44550},{"$f":"IF(#REF!=0,0,IF($E$12>$R$3,(AE90-SUM(AE4:AE27))*0.0299,\"\"))","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,31,null,null,"2027-07-31",26,null,16742.296998319554,null,5114.8713602918933,null,21857.168358611449,null,"2027-07-31",26,null,16666.666666666668,null,4818.7777777777837,null,21485.444444444453,null,400000.00000000047,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,30,null,null,"2027-08-31",27,null,16937.484277491629,null,4919.684081119819,null,21857.168358611449,null,"2027-08-31",27,null,16666.666666666668,null,4617.995370370375,null,21284.662037037044,null,383333.33333333378,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,31,null,null,"2027-09-30",28,null,17134.94711502672,null,4722.2212435847277,null,21857.168358611449,null,"2027-09-30",28,null,16666.666666666668,null,4274.7222222222272,null,20941.388888888894,null,366666.66666666709,21857.168358611449]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"так","Ставка","Комісія","Каско","Витрати оцінювача",null,null,null,null,null,null,"2027-10-31",29,null,17334.712040142738,null,4522.4563184687086,null,21857.168358611445,null,"2027-10-31",29,null,16666.666666666668,null,4216.4305555555611,null,20883.09722222223,null,350000.00000000041,21857.168358611445]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ні",{"$f":"Калькулятор!N6","v":13.99},{"$f":"Калькулятор!G9","v":9.9000000000000008E-3},7.1199999999999999E-2,750,null,null,null,null,null,null,"2027-11-30",30,null,17536.805891344069,null,4320.3624672673777,null,21857.168358611445,null,"2027-11-30",30,null,16666.666666666668,null,3886.1111111111159,null,20552.777777777785,null,333333.33333333372,21857.168358611445]
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[null,null,null,null,null,null,null,null,null,null,"ВСЬОГО ВИТРАТ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2029-05-31",48,null,21605.286724218269,null,251.88163439317793,null,21857.168358611449,null,"2029-05-31",48,null,16666.666666666668,null,401.56481481481921,null,17068.231481481485,null,33333.333333333692,21857.168358611449]
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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,null,null,"2031-08-31",75,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2031-08-31",75,null,16666.666666666668,null,-5019.5601851851825,null,11647.106481481485,null,-416666.66666666645,{"$error":"#NUM!"}]
[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,"2031-09-30",{"$f":"AC78+1","v":76},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2031-09-30",76,null,16666.666666666668,null,-5051.9444444444434,null,11614.722222222224,null,-433333.33333333314,{"$error":"#NUM!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2031-10-31",{"$f":"AC79+1","v":77},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2031-10-31",77,null,16666.666666666668,null,-5421.1249999999973,null,11245.541666666672,null,-449999.99999999983,{"$error":"#NUM!"}]
[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,"2031-11-30",78,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2031-11-30",78,null,16666.666666666668,null,-5440.5555555555538,null,11226.111111111113,null,-466666.66666666651,{"$error":"#NUM!"}]
[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,"2031-12-31",79,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2031-12-31",79,null,16666.666666666668,null,-5822.689814814813,null,10843.976851851854,null,-483333.3333333332,{"$error":"#NUM!"}]
[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,"2032-01-31",80,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2032-01-31",80,null,16666.666666666668,null,-6023.4722222222208,null,10643.194444444447,null,-499999.99999999988,{"$error":"#NUM!"}]
[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,"2032-02-29",81,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2032-02-29",81,null,16666.666666666668,null,-5822.6898148148139,null,10843.976851851854,null,-516666.66666666657,{"$error":"#NUM!"}]
[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,"2032-03-31",82,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2032-03-31",82,null,16666.666666666668,null,-6425.0370370370347,null,10241.629629629633,null,-533333.33333333326,{"$error":"#NUM!"}]
[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,"2032-04-30",83,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2032-04-30",83,null,16666.666666666668,null,-6412.0833333333321,null,10254.583333333336,null,-549999.99999999988,{"$error":"#NUM!"}]
[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,"2032-05-31",{"$f":"AC86+1","v":84},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2032-05-31",84,null,16666.666666666668,null,-6826.6018518518504,null,9840.0648148148175,null,-566666.66666666651,{"$error":"#NUM!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2032-06-30",85,null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,"2032-06-30",85,null,16666.666666666668,null,-6800.6944444444434,null,9865.9722222222244,null,-583333.33333333314,{"$error":"#NUM!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2032-07-31",{"$f":"AC88+1","v":86},null,{"$error":"#NUM!"},null,{"$error":"#NUM!"},null,{"$f":"AG89+AE89","v":{"$error":"#NUM!"}},null,"2032-07-31",86,null,16666.666666666668,null,-7228.1666666666624,null,9438.5000000000055,null,-599999.99999999977,{"$error":"#NUM!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2032-08-31","Всього",null,{"$f":"IF($E$12=$R$2,SUM(AE4:AF15),IF($E$12=$R$3,SUM(AE4:AF27),IF($E$12=$R$4,SUM(AE4:AF39),IF($E$12=$R$5,SUM(AE4:AF51),IF($E$12=$R$6,SUM(AE4:AF63),IF($E$12=$R$7,SUM(AE4:AF75),IF($E$12=$R$8,SUM(AE4:AF87))))))))","v":800000.00000000012},null,{"$f":"IF($E$12=$R$2,SUM(AG4:AH15),IF($E$12=$R$3,SUM(AG4:AH27),IF($E$12=$R$4,SUM(AG4:AH39),IF($E$12=$R$5,SUM(AG4:AH51),IF($E$12=$R$6,SUM(AG4:AH63),IF($E$12=$R$7,SUM(AG4:AH75),IF($E$12=$R$8,SUM(AG4:AH87))))))))","v":249144.08121334927},null,{"$f":"IF($E$12=$R$2,SUM(AI4:AJ15),IF($E$12=$R$3,SUM(AI4:AJ27),IF($E$12=$R$4,SUM(AI4:AJ39),IF($E$12=$R$5,SUM(AI4:AJ51),IF($E$12=$R$6,SUM(AI4:AJ63),IF($E$12=$R$7,SUM(AI4:AJ75),IF($E$12=$R$8,SUM(AI4:AJ87))))))))","v":1049144.0812133488},null,null,"Всього",null,{"$f":"SUM(AN4:AN89)","v":1416666.6666666674},null,{"$f":"SUM(AP4:AQ88)","v":112522.34722222261},null,{"$f":"SUM(AR4:AS89)","v":1521960.8472222232},null,null,1049144.0812133488]

{"sheet":"Калькулятор","index":4,"n_rows":90,"n_cols":45,"rows_kept":90,"cut":false,"hidden":true,"merged":[]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Термін",null,null,null,null,null,null,null,null,null,null,"Ануїтет",null,null,null,null,null,null,null,null,"Класика"]
[null,"Кредитний продукт",null,null,null,null,"Автостарт NEW",null,"Схема погашення",null,null,null,null,"Ануїтетна",null,null,12,null,null,null,null,null,null,null,null,null,null,"ГРАФІК ПОГАШЕННЯ КРЕДИТУ ",null,null,null,null,null,null,null,null,"ГРАФІК ПОГАШЕННЯ КРЕДИТУ "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,24,null,null,null,null,null,null,null,null,null,"Місяць","№ платежу",null,"Розмір щомісячних внесків з повернення кредиту, грн.","Щомісячна плата за кредитне обслуговування, грн.","Розмір щомісячних процентних внесків, грн.",null,"Загальна сума внесків до повернення в місяць, грн.",null,"Місяць","№ платежу",null,"Розмір щомісячних внесків з повернення кредиту, грн.","Щомісячна плата за кредитне обслуговування, грн.","Розмір щомісячних процентних внесків, грн.",null,"Загальна сума внесків до повернення в місяць, грн.",null,"Залишок заборгованості"]
[null,"Вартість автомобіля (грн)",null,null,null,null,{"$f":"'Калькулятор '!E4","v":1000000},null,"Чи достатня вартість авансового платежу?",null,null,null,null,{"$f":"IF($G$4>0,$P$40,\"Ні\")","v":""},null,null,36,null,{"$f":"IF($G$6=0,1,IF($G$4*$G$6=$G$7,2,3))","v":3},{"$f":"IF(G2=\"Сума авансового платежу перевищує вартість авто\",1,IF(G2=\"Сума авансового платежу дорівнює вартості авто\",1,IF(G2=\"Сума авансового платежу недостатня\",1,0)))","v":0},null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G5","v":45854},1,null,{"$f":"Ануїтетна_графік_Авто!J5","v":12613.333333333334},null,{"$f":"Ануїтетна_графік_Авто!K5","v":9326.6666666666661},null,{"$f":"Ануїтетна_графік_Авто!M5","v":21940},null,{"$f":"Ануїтетна_графік_Авто!G5","v":45854},1,null,{"$f":"Ануїтетна_графік_Авто!J5","v":12613.333333333334},null,{"$f":"Ануїтетна_графік_Авто!K5","v":9326.6666666666661},null,{"$f":"Ануїтетна_графік_Авто!M5","v":21940}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,48,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G6","v":45885},2,null,{"$f":"Ануїтетна_графік_Авто!J6","v":12454.396570370371},null,{"$f":"Ануїтетна_графік_Авто!K6","v":9485.6034296296293},null,{"$f":"Ануїтетна_графік_Авто!M6","v":21940},null,{"$f":"IF(AK5=\"\",\"\",DATE(YEAR(AJ4),MONTH(AJ4)+2,DAY(1)-1))","v":45900},2,null,{"$f":"Ануїтетна_графік_Авто!J6","v":12454.396570370371},null,{"$f":"Ануїтетна_графік_Авто!K6","v":9485.6034296296293},null,{"$f":"Ануїтетна_графік_Авто!M6","v":21940},null,{"$f":"$G$19-AM4","v":687386.66666666663}]
[null,"Аванс (вказується в грн. \"10000\" або % \"20%\")",null,null,null,null,300000,null,"Відсоткова ставка річна (%)",null,null,null,null,{"$f":"Q40","v":13.99},null,null,60,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G7","v":45916},3,null,{"$f":"Ануїтетна_графік_Авто!J7","v":12604.433993942703},null,{"$f":"Ануїтетна_графік_Авто!K7","v":9335.5660060572973},null,{"$f":"Ануїтетна_графік_Авто!M7","v":21940},null,45930,3,null,{"$f":"Ануїтетна_графік_Авто!J7","v":12604.433993942703},null,{"$f":"Ануїтетна_графік_Авто!K7","v":9335.5660060572973},null,{"$f":"Ануїтетна_графік_Авто!M7","v":21940},null,{"$f":"AS5-AM5","v":674932.27009629621}]
[null,"Відображення авансу (сума або % )",null,null,null,null,{"$f":"IF(G6=\"\",\"\",IF(G6<100,G4*G6,G6/G4))","v":0.3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G8","v":45946},4,null,{"$f":"Ануїтетна_графік_Авто!J8","v":13052.527977440062},null,{"$f":"Ануїтетна_графік_Авто!K8","v":8887.4720225599376},null,{"$f":"Ануїтетна_графік_Авто!M8","v":21940},null,45961,4,null,{"$f":"Ануїтетна_графік_Авто!J8","v":13052.527977440062},null,{"$f":"Ануїтетна_графік_Авто!K8","v":8887.4720225599376},null,{"$f":"Ануїтетна_графік_Авто!M8","v":21940},null,662327.83610235353]
[null,null,null,null,null,null,null,null,"Термін кредитування (міс)",null,null,null,null,{"$f":"'Калькулятор '!E12","v":48},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G9","v":45977},5,null,{"$f":"Ануїтетна_графік_Авто!J9","v":12913.521989425175},null,{"$f":"Ануїтетна_графік_Авто!K9","v":9026.478010574825},null,{"$f":"Ануїтетна_графік_Авто!M9","v":21940},null,45991,5,null,{"$f":"Ануїтетна_графік_Авто!J9","v":12913.521989425175},null,{"$f":"Ануїтетна_графік_Авто!K9","v":9026.478010574825},null,{"$f":"Ануїтетна_графік_Авто!M9","v":21940},null,649275.30812491348]
[null,"Комісія за видачу кредиту (%)",null,null,null,null,9.9000000000000008E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G10","v":46007},6,null,{"$f":"Ануїтетна_графік_Авто!J10","v":13355.248843303765},null,{"$f":"Ануїтетна_графік_Авто!K10","v":8584.7511566962348},null,{"$f":"Ануїтетна_графік_Авто!M10","v":21940},null,46022,6,null,{"$f":"Ануїтетна_графік_Авто!J10","v":13355.248843303765},null,{"$f":"Ануїтетна_графік_Авто!K10","v":8584.7511566962348},null,{"$f":"Ануїтетна_графік_Авто!M10","v":21940},null,636361.78613548831]
[null,null,null,null,null,null,{"$f":"IF(Q15=\"\",0,ROUND(Q15*G9,2))","v":6930},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G11","v":46038},7,null,{"$f":"Ануїтетна_графік_Авто!J11","v":13229.980412270901},null,{"$f":"Ануїтетна_графік_Авто!K11","v":8710.0195877290989},null,{"$f":"Ануїтетна_графік_Авто!M11","v":21940},null,46053,7,null,{"$f":"Ануїтетна_графік_Авто!J11","v":13229.980412270901},null,{"$f":"Ануїтетна_графік_Авто!K11","v":8710.0195877290989},null,{"$f":"Ануїтетна_графік_Авто!M11","v":21940},null,623006.53729218454]
[null,null,null,null,null,null,null," ",null,null,null,null,null,null,null,null,"Варіанти НВ",null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G12","v":46069},8,null,{"$f":"Ануїтетна_графік_Авто!J12","v":13389.361251298618},null,{"$f":"Ануїтетна_графік_Авто!K12","v":8550.6387487013817},null,{"$f":"Ануїтетна_графік_Авто!M12","v":21940},null,46081,8,null,{"$f":"Ануїтетна_графік_Авто!J12","v":13389.361251298618},null,{"$f":"Ануїтетна_графік_Авто!K12","v":8550.6387487013817},null,{"$f":"Ануїтетна_графік_Авто!M12","v":21940},null,609776.55687991367]
[null,"Страхування НВ (%)",null,null,null,null,null,0,"Страхування НВ (грн)",null,null,null,null,{"$f":"ROUND(Q16*G12,2)+(G12*IF(G16=\"Так\",N15,0))","v":0},null,null,{"$f":"IF(OR(Q2=N8,Q3=N8),2.99%,0%)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G13","v":46097},9,null,{"$f":"Ануїтетна_графік_Авто!J13","v":14362.533548009969},null,{"$f":"Ануїтетна_графік_Авто!K13","v":7577.4664519900307},null,{"$f":"Ануїтетна_графік_Авто!M13","v":21940},null,46112,9,null,{"$f":"Ануїтетна_графік_Авто!J13","v":14362.533548009969},null,{"$f":"Ануїтетна_графік_Авто!K13","v":7577.4664519900307},null,{"$f":"Ануїтетна_графік_Авто!M13","v":21940},null,596387.1956286151]
[null,"Чи додати страхування НВ до суми кредиту?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q12=0,0%,5.99%)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G14","v":46128},10,null,{"$f":"Ануїтетна_графік_Авто!J14","v":13723.686786173956},null,{"$f":"Ануїтетна_графік_Авто!K14","v":8216.3132138260444},null,{"$f":"Ануїтетна_графік_Авто!M14","v":21940},null,46142,10,null,{"$f":"Ануїтетна_графік_Авто!J14","v":13723.686786173956},null,{"$f":"Ануїтетна_графік_Авто!K14","v":8216.3132138260444},null,{"$f":"Ануїтетна_графік_Авто!M14","v":21940},null,582024.66208060517]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Сума кредиту",null,null,null,null,null,"Так",null,null,null,{"$f":"Ануїтетна_графік_Авто!G15","v":46158},11,null,{"$f":"Ануїтетна_графік_Авто!J15","v":14148.724463025756},null,{"$f":"Ануїтетна_графік_Авто!K15","v":7791.2755369742436},null,{"$f":"Ануїтетна_графік_Авто!M15","v":21940},null,46173,11,null,{"$f":"Ануїтетна_графік_Авто!J15","v":14148.724463025756},null,{"$f":"Ануїтетна_графік_Авто!K15","v":7791.2755369742436},null,{"$f":"Ануїтетна_графік_Авто!M15","v":21940},null,568300.97529443121]
[null,"Страхування КАСКО (%)",null,null,null,null,5.16E-2,null,"Страхування КАСКО (грн)",null,null,null,null,{"$f":"ROUND(G4*G15,2)","v":51600},null,"без комісії за видачу",{"$f":"$G$4-IF($S$4=1,0,IF($S$4=3,$G$6,IF($S$4=2,$G$4*$G$6)))+IF($G$13=\"Так\",$N$12,0)+IF($G$16=\"Так\",$N$15,0)","v":700000},null,null,null,null,null,"Ні",null,null,null,{"$f":"Ануїтетна_графік_Авто!G16","v":46189},12,null,{"$f":"Ануїтетна_графік_Авто!J16","v":14059.464176025773},null,{"$f":"Ануїтетна_графік_Авто!K16","v":7880.5358239742272},null,{"$f":"Ануїтетна_графік_Авто!M16","v":21940},null,46203,12,null,{"$f":"Ануїтетна_графік_Авто!J16","v":14059.464176025773},null,{"$f":"Ануїтетна_графік_Авто!K16","v":7880.5358239742272},null,{"$f":"Ануїтетна_графік_Авто!M16","v":21940},null,554152.2508314054]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"вартість-аванс",{"$f":"$G$4-IF($S$4=3,$G$6,IF($S$4=2,$G$4*$G$6))","v":700000},null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G17","v":46219},13,null,{"$f":"Ануїтетна_графік_Авто!J17","v":14477.584928909368},null,{"$f":"Ануїтетна_графік_Авто!K17","v":7462.4150710906333},null,{"$f":"Ануїтетна_графік_Авто!M17","v":21940},null,46234,13,null,{"$f":"Ануїтетна_графік_Авто!J17","v":14477.584928909368},null,{"$f":"Ануїтетна_графік_Авто!K17","v":7462.4150710906333},null,{"$f":"Ануїтетна_графік_Авто!M17","v":21940},null,540092.78665537958]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ануїтетна",null,null,null,{"$f":"Ануїтетна_графік_Авто!G18","v":46250},14,null,{"$f":"Ануїтетна_графік_Авто!J18","v":14403.24842120131},null,{"$f":"Ануїтетна_графік_Авто!K18","v":7536.7515787986904},null,{"$f":"Ануїтетна_графік_Авто!M18","v":21940},null,46265,14,null,{"$f":"Ануїтетна_графік_Авто!J18","v":14403.24842120131},null,{"$f":"Ануїтетна_графік_Авто!K18","v":7536.7515787986904},null,{"$f":"Ануїтетна_графік_Авто!M18","v":21940},null,525615.20172647026]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(G2=R28,G2=R31),\"Класична\",\"\")","v":""},null,null,null,{"$f":"Ануїтетна_графік_Авто!G19","v":46281},15,null,{"$f":"Ануїтетна_графік_Авто!J19","v":14576.763554751054},null,{"$f":"Ануїтетна_графік_Авто!K19","v":7363.2364452489464},null,{"$f":"Ануїтетна_графік_Авто!M19","v":21940},null,46295,15,null,{"$f":"Ануїтетна_графік_Авто!J19","v":14576.763554751054},null,{"$f":"Ануїтетна_графік_Авто!K19","v":7363.2364452489464},null,{"$f":"Ануїтетна_графік_Авто!M19","v":21940},null,511211.95330526895]
[null,"Сума кредиту",null,null,null,null,{"$f":"G4-IF(S4=1,0,IF(S4=2,G4*G6,IF(S4=3,G6)))+IF(N10=\"Так\",G10,0)","v":700000},null,null,null,null,null,null,null,null,null,"сума дод. страхування",null,null,"Дата",{"$f":"TODAY()","v":45824},null,1,31,null,null,{"$f":"Ануїтетна_графік_Авто!G20","v":46311},16,null,{"$f":"Ануїтетна_графік_Авто!J20","v":14984.228079491879},null,{"$f":"Ануїтетна_графік_Авто!K20","v":6955.7719205081212},null,{"$f":"Ануїтетна_графік_Авто!M20","v":21940},null,46326,16,null,{"$f":"Ануїтетна_графік_Авто!J20","v":14984.228079491879},null,{"$f":"Ануїтетна_графік_Авто!K20","v":6955.7719205081212},null,{"$f":"Ануїтетна_графік_Авто!M20","v":21940},null,496635.18975051789]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($G$13=\"Так\",ROUND((G4-G6+N15)*G12/100,2),IF($G$16=\"Ні\",ROUND((G4-G6)*G12/100,2),0))","v":0},null,null,"Число",{"$f":"DAY(U19)","v":16},null,2,28,null,null,{"$f":"Ануїтетна_графік_Авто!G21","v":46342},17,null,{"$f":"Ануїтетна_графік_Авто!J21","v":14932.883178691465},null,{"$f":"Ануїтетна_графік_Авто!K21","v":7007.1168213085348},null,{"$f":"Ануїтетна_графік_Авто!M21","v":21940},null,46356,17,null,{"$f":"Ануїтетна_графік_Авто!J21","v":14932.883178691465},null,{"$f":"Ануїтетна_графік_Авто!K21","v":7007.1168213085348},null,{"$f":"Ануїтетна_графік_Авто!M21","v":21940},null,481650.96167102602]
[null,"*Дана сума є орієнтовною і може відрізнятися від суми щомісячного платежу в кредитному договорі.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Місяць",{"$f":"MONTH(U19)","v":6},null,3,31,null,null,{"$f":"Ануїтетна_графік_Авто!G22","v":46372},18,null,{"$f":"Ануїтетна_графік_Авто!J22","v":15333.0117349102},null,{"$f":"Ануїтетна_графік_Авто!K22","v":6606.9882650897989},null,{"$f":"Ануїтетна_графік_Авто!M22","v":21940},null,46387,18,null,{"$f":"Ануїтетна_графік_Авто!J22","v":15333.0117349102},null,{"$f":"Ануїтетна_графік_Авто!K22","v":6606.9882650897989},null,{"$f":"Ануїтетна_графік_Авто!M22","v":21940},null,466718.07849233458]
[null,"ГРАФІК ПОГАШЕННЯ КРЕДИТУ ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Максимальна сума кредиту",1200000,null,4,30,null,null,{"$f":"Ануїтетна_графік_Авто!G23","v":46403},19,null,{"$f":"Ануїтетна_графік_Авто!J23","v":15297.494733277019},null,{"$f":"Ануїтетна_графік_Авто!K23","v":6642.5052667229811},null,{"$f":"Ануїтетна_графік_Авто!M23","v":21940},null,46418,19,null,{"$f":"Ануїтетна_графік_Авто!J23","v":15297.494733277019},null,{"$f":"Ануїтетна_графік_Авто!K23","v":6642.5052667229811},null,{"$f":"Ануїтетна_графік_Авто!M23","v":21940},null,451385.06675742439]
[null,"Місяць",null,"Розмір щомісячних внесків з повернення кредиту, грн.","Щомісячна плата за кредитне обслуговування, грн.","Розмір щомісячних процентних внесків, грн.",null,"Загальна сума внесків до повернення в місяць, грн.*",null,null,null,null,null,null,null,null,null,null,null,"%,Участь власними коштами",{"$f":"'Калькулятор '!V23","v":20},null,5,31,null,null,{"$f":"Ануїтетна_графік_Авто!G24","v":46434},20,null,{"$f":"Ануїтетна_графік_Авто!J24","v":15481.782802467987},null,{"$f":"Ануїтетна_графік_Авто!K24","v":6458.2171975320116},null,{"$f":"Ануїтетна_графік_Авто!M24","v":21940},null,46446,20,null,{"$f":"Ануїтетна_графік_Авто!J24","v":15481.782802467987},null,{"$f":"Ануїтетна_графік_Авто!K24","v":6458.2171975320116},null,{"$f":"Ануїтетна_графік_Авто!M24","v":21940},null,436087.57202414738]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":45824},"Дата","ПМ",null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G25","v":46462},21,null,{"$f":"Ануїтетна_графік_Авто!J25","v":16275.230562391218},null,{"$f":"Ануїтетна_графік_Авто!K25","v":5664.7694376087829},null,{"$f":"Ануїтетна_графік_Авто!M25","v":21940},null,46477,21,null,{"$f":"Ануїтетна_графік_Авто!J25","v":16275.230562391218},null,{"$f":"Ануїтетна_графік_Авто!K25","v":5664.7694376087829},null,{"$f":"Ануїтетна_графік_Авто!M25","v":21940},null,420605.78922167938]
[null,1,null,15820.916666666668,null,7830.083333333333,null,23651,null,null,"Авансовий внесок за авто:",null,null,{"$f":"IF($S$4=3,$G$6,IF($S$4=2,$G$4*$G$6,IF($S$4=1,0)))","v":300000},null,{"$f":"IF(P24<Q26,R25,IF(P24<Q27,R26,R27))","v":2589},44562,2589,null,null,null,null,6,30,null,null,{"$f":"Ануїтетна_графік_Авто!G26","v":46493},22,null,{"$f":"Ануїтетна_графік_Авто!J26","v":15864.357778195927},null,{"$f":"Ануїтетна_графік_Авто!K26","v":6075.6422218040734},null,{"$f":"Ануїтетна_графік_Авто!M26","v":21940},null,46507,22,null,{"$f":"Ануїтетна_графік_Авто!J26","v":15864.357778195927},null,{"$f":"Ануїтетна_графік_Авто!K26","v":6075.6422218040734},null,{"$f":"Ануїтетна_графік_Авто!M26","v":21940},null,404330.55865928816]
[null,2,null,16244.761422916667,null,7406.2385770833334,null,23651,null,null,null,null,null,null,null,null,44562,2589,null,null,null,null,7,31,null,null,{"$f":"Ануїтетна_графік_Авто!G27","v":46523},{"$f":"AB25+1","v":23},null,{"$f":"Ануїтетна_графік_Авто!J27","v":16245.298208061267},null,{"$f":"Ануїтетна_графік_Авто!K27","v":5694.7017919387317},null,{"$f":"Ануїтетна_графік_Авто!M27","v":21940},null,46538,23,null,{"$f":"Ануїтетна_графік_Авто!J27","v":16245.298208061267},null,{"$f":"Ануїтетна_графік_Авто!K27","v":5694.7017919387317},null,{"$f":"Ануїтетна_графік_Авто!M27","v":21940},null,388466.20088109223]
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[null,4,null,16360.580284097399,null,7290.4197159026007,null,23651,null,null,"Одноразова комісія банку:",null,null,{"$f":"G10","v":6930},null,null,null,null,null,null,null,null,9,30,null,null,{"$f":"Ануїтетна_графік_Авто!G29","v":46584},{"$f":"AB27+1","v":25},null,{"$f":"Ануїтетна_графік_Авто!J29","v":16624.15299506166},null,{"$f":"Ануїтетна_графік_Авто!K29","v":5315.8470049383386},null,{"$f":"Ануїтетна_графік_Авто!M29","v":21940},null,46599,25,null,{"$f":"Ануїтетна_графік_Авто!J29","v":16624.15299506166},null,{"$f":"Ануїтетна_графік_Авто!K29","v":5315.8470049383386},null,{"$f":"Ануїтетна_графік_Авто!M29","v":21940},null,355969.7216530384]
[null,5,null,16772.858395217998,null,6878.1416047820012,null,23651,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,31,null,null,{"$f":"Ануїтетна_графік_Авто!G30","v":46615},26,null,{"$f":"Ануїтетна_графік_Авто!J30","v":16647.228342464503},null,{"$f":"Ануїтетна_графік_Авто!K30","v":5292.7716575354971},null,{"$f":"Ануїтетна_графік_Авто!M30","v":21940},null,46630,26,null,{"$f":"Ануїтетна_графік_Авто!J30","v":16647.228342464503},null,{"$f":"Ануїтетна_графік_Авто!K30","v":5292.7716575354971},null,{"$f":"Ануїтетна_графік_Авто!M30","v":21940},null,339345.56865797675]
[null,6,null,16731.20540692444,null,6919.7945930755586,null,23651,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,30,null,null,{"$f":"Ануїтетна_графік_Авто!G31","v":46646},27,null,{"$f":"Ануїтетна_графік_Авто!J31","v":16847.776577460154},null,{"$f":"Ануїтетна_графік_Авто!K31","v":5092.2234225398461},null,{"$f":"Ануїтетна_графік_Авто!M31","v":21940},null,46660,27,null,{"$f":"Ануїтетна_графік_Авто!J31","v":16847.776577460154},null,{"$f":"Ануїтетна_графік_Авто!K31","v":5092.2234225398461},null,{"$f":"Ануїтетна_графік_Авто!M31","v":21940},null,322698.34031551227]
[null,7,null,17135.539885876191,null,6515.460114123809,null,23651,null,null,"КАСКО:",null,null,{"$f":"N15","v":51600},null,null,null,null,null,null,null,null,12,31,null,null,{"$f":"Ануїтетна_графік_Авто!G32","v":46676},28,null,{"$f":"Ануїтетна_графік_Авто!J32","v":17208.458844420544},null,{"$f":"Ануїтетна_графік_Авто!K32","v":4731.5411555794562},null,{"$f":"Ануїтетна_графік_Авто!M32","v":21940},null,46691,28,null,{"$f":"Ануїтетна_графік_Авто!J32","v":17208.458844420544},null,{"$f":"Ануїтетна_графік_Авто!K32","v":4731.5411555794562},null,{"$f":"Ануїтетна_графік_Авто!M32","v":21940},null,305850.56373805209]
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[null,9,null,17301.423154739008,null,6349.5768452609918,null,23651,null,null,null,null,null,null,null,"ні",null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G34","v":46737},30,null,{"$f":"Ануїтетна_графік_Авто!J34","v":17610.280895155502},null,{"$f":"Ануїтетна_графік_Авто!K34","v":4329.7191048444975},null,{"$f":"Ануїтетна_графік_Авто!M34","v":21940},null,46752,30,null,{"$f":"Ануїтетна_графік_Авто!J34","v":17610.280895155502},null,{"$f":"Ануїтетна_графік_Авто!K34","v":4329.7191048444975},null,{"$f":"Ануїтетна_графік_Авто!M34","v":21940},null,271384.05474005709]
[null,10,null,18090.700378586032,null,5560.2996214139675,null,23651,null,null,"Страхування НВ",null,null,{"$f":"IF(N12=0,0,IF(G13=\"Ні\",N12,IF(G13=\"Так\",\"НВ включено у суму кредиту\",0)))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G35","v":46768},31,null,{"$f":"Ануїтетна_графік_Авто!J35","v":17678.107000589018},null,{"$f":"Ануїтетна_графік_Авто!K35","v":4261.8929994109812},null,{"$f":"Ануїтетна_графік_Авто!M35","v":21940},null,46783,31,null,{"$f":"Ануїтетна_графік_Авто!J35","v":17678.107000589018},null,{"$f":"Ануїтетна_графік_Авто!K35","v":4261.8929994109812},null,{"$f":"Ануїтетна_графік_Авто!M35","v":21940},null,253773.77384490159]
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[null,13,null,18097.523146394706,null,5553.4768536052961,null,23651,null,null,"Цивілка:",null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G38","v":46859},34,null,{"$f":"Ануїтетна_графік_Авто!J38","v":18327.715636398199},null,{"$f":"Ануїтетна_графік_Авто!K38","v":3612.284363601801},null,{"$f":"Ануїтетна_графік_Авто!M38","v":21940},null,46873,34,null,{"$f":"Ануїтетна_графік_Авто!J38","v":18327.715636398199},null,{"$f":"Ануїтетна_графік_Авто!K38","v":3612.284363601801},null,{"$f":"Ануїтетна_графік_Авто!M38","v":21940},null,199850.67004003984]
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[null,15,null,18506.590149658492,null,5144.4098503415062,null,23651,null,null,null,null,null,null,null,null,null,null,"Без ПДВ",{"$f":"G4/6*5","v":833333.33333333326},null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G40","v":46920},36,null,{"$f":"Ануїтетна_графік_Авто!J40","v":18773.279432434912},null,{"$f":"Ануїтетна_графік_Авто!K40","v":3166.7205675650889},null,{"$f":"Ануїтетна_графік_Авто!M40","v":21940},null,46934,36,null,{"$f":"Ануїтетна_графік_Авто!J40","v":18773.279432434912},null,{"$f":"Ануїтетна_графік_Авто!K40","v":3166.7205675650889},null,{"$f":"Ануїтетна_графік_Авто!M40","v":21940},null,162865.04284706409]
[null,16,null,18713.601782640882,null,4937.3982173591176,null,23651,null,null,"Нотаріальні послуги:",null,null,null,null,{"$f":"CONCATENATE(P42,P43,P44,P45,P46)","v":""},{"$f":"SUM(Q42:Q46)","v":13.99},null,null,null,null,null,null,null,null,{"$f":"SUM(Z42:Z46)","v":0},{"$f":"Ануїтетна_графік_Авто!G41","v":46950},37,null,{"$f":"Ануїтетна_графік_Авто!J41","v":19094.296858191115},null,{"$f":"Ануїтетна_графік_Авто!K41","v":2845.7031418088845},null,{"$f":"Ануїтетна_графік_Авто!M41","v":21940},null,46965,37,null,{"$f":"Ануїтетна_графік_Авто!J41","v":19094.296858191115},null,{"$f":"Ануїтетна_графік_Авто!K41","v":2845.7031418088845},null,{"$f":"Ануїтетна_графік_Авто!M41","v":21940},null,144091.76341462918]
[null,17,null,19075.447432175359,null,4575.5525678246395,null,23651,null,null,null,null,null,null,null,"Авансовий платіж","Ставка","Продукти:",12,24,36,48,60,72,84,"міс.",{"$f":"Ануїтетна_графік_Авто!G42","v":46981},38,null,{"$f":"Ануїтетна_графік_Авто!J42","v":19229.468020253844},null,{"$f":"Ануїтетна_графік_Авто!K42","v":2710.5319797461557},null,{"$f":"Ануїтетна_графік_Авто!M42","v":21940},null,46996,38,null,{"$f":"Ануїтетна_графік_Авто!J42","v":19229.468020253844},null,{"$f":"Ануїтетна_графік_Авто!K42","v":2710.5319797461557},null,{"$f":"Ануїтетна_графік_Авто!M42","v":21940},null,124997.46655643807]
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[null,22,null,20361.077949560502,null,3289.9220504394975,null,23651,null,null,"Пенсійний фонд:",null,null,{"$f":"'Калькулятор (реал. ставка)'!C18","v":33333.333333333328},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G47","v":47134},43,null,{"$f":"Ануїтетна_графік_Авто!J47","v":20417.575119637346},null,{"$f":"Ануїтетна_графік_Авто!K47","v":1522.424880362654},null,{"$f":"Ануїтетна_графік_Авто!M47","v":21940},null,47149,43,null,{"$f":"Ануїтетна_графік_Авто!J47","v":20417.575119637346},null,{"$f":"Ануїтетна_графік_Авто!K47","v":1522.424880362654},null,{"$f":"Ануїтетна_графік_Авто!M47","v":21940},null,26374.358857837546]
[null,23,null,20236.341925729921,null,3414.6580742700799,null,23651,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G48","v":47165},44,null,{"$f":"Ануїтетна_графік_Авто!J48","v":20663.544512793887},null,{"$f":"Ануїтетна_графік_Авто!K48","v":1276.4554872061115},null,{"$f":"Ануїтетна_графік_Авто!M48","v":21940},null,47177,44,null,{"$f":"Ануїтетна_графік_Авто!J48","v":20663.544512793887},null,{"$f":"Ануїтетна_графік_Авто!K48","v":1276.4554872061115},null,{"$f":"Ануїтетна_графік_Авто!M48","v":21940},null,5956.7837382001999]
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[null,25,null,20692.745095067898,null,2958.2549049321033,null,23651,null,null,"ВСЬОГО ВИТРАТ",null,null,{"$f":"N25+N37+N40+N43+N46+IF(N31=N15,N31,0)+IF(N34=N12,N34,0)+IF(N28=G10,N28,0)","v":391863.33333333331},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ануїтетна_графік_Авто!G50","v":47224},46,null,{"$f":"Ануїтетна_графік_Авто!J50","v":21165.606455674751},null,{"$f":"Ануїтетна_графік_Авто!K50","v":774.39354432524965},null,{"$f":"Ануїтетна_графік_Авто!M50","v":21940},null,47238,46,null,{"$f":"Ануїтетна_графік_Авто!J50","v":21165.606455674751},null,{"$f":"Ануїтетна_графік_Авто!K50","v":774.39354432524965},null,{"$f":"Ануїтетна_графік_Авто!M50","v":21940},null,-35718.675561555458]
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[2]
[null,"Вартість автомобіля, грн ",{"$f":"Калькулятор!G4","v":1000000},null,"Ефективна процентна ставка,%",{"$f":"Ануїтетна_графік_Авто!Y11","v":0.27923976887967578}]
[]
[null,"Вартість автомобіля, грн  (Без ПДВ)",{"$f":"C2/6*5","v":833333.33333333326},null,"IRR Реальна процентна ставка,%",{"$f":"Ануїтетна_графік_Авто!Y10","v":0.32157220244407669}]
[]
[null,"Участь власними коштами %",0.3,null,"Сума кредиту",{"$f":"C2-(C2*C6)","v":700000}]
[]
[null,"Термін кредиту, міс",12,null,"Місячний платіж",{"$f":"Ануїтетна_графік_Авто!C32","v":21940}]
[]
[null,"Тариф каско, %",5.4899999999999997E-2,null,"Загальні витрати по кредиту, грн",{"$f":"Ануїтетна_графік_Авто!Y3","v":479621.64245473122}]
[]
[null,"Річна процентна ставка,%",9.99,null,"Загальна вартість кредиту, грн",{"$f":"Ануїтетна_графік_Авто!Y2","v":1279621.642454731}]
[]
[null,"Комісія за видачу,%",9.9000000000000008E-3,null,null,3875282.8858883367]
[]
[null,"Витрати нотаріуса, грн;",0,null,null,4256502.5480896216]
[]
[null,"Збори на обов’язкове державне пенсійне страхування, грн",{"$f":"IF(C4<=499620,C4*3%,IF(C4<=878120,C4*4%,C4*5%))","v":33333.333333333328}]
[]
[null,"Інші витрати, грн",0]

{"sheet":"Платоспроможність поручителя","index":6,"n_rows":112,"n_cols":4,"rows_kept":112,"cut":false,"hidden":true,"merged":[]}
[]
[null,"В - задекларовані витрати на проживання"]
[null,"Місце проживання"]
[null,"Місце реєстрації"]
[]
[]
[]
[null,"БЗКРЕДО - сукупна сума кредитів поручителя в АТ «КРЕДОБАНК» за продуктом"]
[null,"БЗЗА - сукупна заборгованість за усіма відкритими (незавершеними) заявками почучителя за продуктом"]
[]
[null,null,"Поручитель","Подружжя поручителя"]
["Дохід у вигляді з/п","Тип доходу"]
[null,"Д - середньомісячна сума доходу у вигляді з/п"]
[null,"А - аліменти за відповідний період"]
[null,"n - фактична к-сть місяців, впродовж яких боржник отримував доходи у вигляді з/п (від 3-ьох до 6-ти міс)"]
[]
["Дохід у вигляді пенсії","ДП - сума доходу боржника у вигляді пенсії за останній міс"]
[]
["Дохід у вигляді підприємницького доходу","Вид підприємницької діяльності"]
[null,"Д - середньомісячна сума доходу від діяльності ФОП"]
[null,"П - середньомісячні податки повязані із діяльностю ФОП"]
[null,"ЗВП - середньомісячні задекларовані витрати фізичної особи підприємця, пов'язані із веденням госп дія-сті"]
[]
["Дохід у вигляді вкладу","Д - середньомісячний дохід від вкладу (після оподаткування)"]
[null,"СД - сума вкладу"]
[]
["Дохід у вигляді дивідендів","Д - середньомісячна сума доходу від дивідендів"]
[null,"П - середньомісячні податки повязані із виплатою дивідендів"]
[]
["Дохід у вигляді оренди, незалежної професійної діяльності, ін доходів ","Д - середньомісячна сума доходу від оренди, незалежної професійної діяльності, інших доходів (після оподаткування)"]
[null,"ВОД - середньомісячні витрати, пов’язані з отриманням доходів від оренди, незалежної професійної діяльності, інших доходів"]
[]
["Витрати","ВФЗД - витрати за діючими кредитами"]
[null,"ПВЗ - потенційні витрати за відкритими кредитними заявками в Банку"]
[]
[]
[]
[]
["Загальна сума заборгованості за усіма діючими кредитами в АТ \"КРЕДОБАНК\"","Б1КРЕДО - сукупна заборгованість клієнта за усіма кредитами в АТ «КРЕДОБАНК» з урахуванням усієї суми встановлених кредитних лімітів",{"$f":"'Платоспроможність боржника'!C63","v":0}]
[null,"Б1ПО - сукупна заборгованість усіх пов’язаних з клієнтом фізичних осіб за усіма кредитами в АТ «КРЕДОБАНК» з урахуванням усієї суми встановлених кредитних лімітів",{"$f":"'Платоспроможність боржника'!C64","v":0}]
[null,"Б1ЗА - сукупна заборгованість, яку може отримати клієнт за усіма відкритими (незавершеними) заявками на отримання кредитів/встановлення кредитних лімітів в АТ «КРЕДОБАНК»",{"$f":"'Платоспроможність боржника'!C65","v":0}]
[null,"Б1ЗАПО - сукупна заборгованість, яку можуть отримати пов’язані з клієнтом фізичні особи за усіма відкритими (незавершеними) заявками на отримання кредитів/встановлення кредитних лімітів в АТ «КРЕДОБАНК»",{"$f":"'Платоспроможність боржника'!C66","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Розрахунок суми"]
[null,"ОПК ануїтет",{"$f":"'Платоспроможність боржника'!C76","v":2.3263066802027738E-2},"ОПК =  (r/1200*(1 + r/1200)^T) / (((1 + r/1200)^T) - 1) + j/100 - ануїтет"]
[null,"ОПК класика",{"$f":"'Платоспроможність боржника'!C77","v":2.8713611111111113E-2},"ОПК= 1/Т+r/100*31/360+j/100 - класична"]
[null,"ОПК",{"$f":"'Платоспроможність боржника'!C78","v":2.3263066802027738E-2}]
[]
["L1","ММСК",{"$f":"'Платоспроможність боржника'!$H$91","v":4000000}]
[null,"ЗКП",{"$f":"C8+C9","v":0}]
[null,"L1",{"$f":"MAX(C56-C57,0)","v":4000000}]
[]
["L2","не застосовується","Поручитель","Подружжя поручителя"]
[null,"КВ - коефіцієнт витрат",{"$f":"IFERROR(VLOOKUP(C19,'коефіцієнт витрат'!B2:C6,2,),70%)","v":0.7},{"$f":"IFERROR(VLOOKUP(D19,'коефіцієнт витрат'!B2:C6,2,),70%)","v":0.7}]
[null,"СМД зарплата",{"$f":"IF(C12=\"Чистий дохід за мінусом податків\",1,0.805)*C13-C14","v":0},{"$f":"IF(D12=\"Чистий дохід за мінусом податків\",1,0.805)*D13-D14","v":0}]
[null,"СМД пенсія",{"$f":"C17","v":0},{"$f":"D17","v":0}]
[null,"СМД підприємницький дохід",{"$f":"(C20-C21)-MAX(C61*(C20-C21),C22)","v":0},{"$f":"(D20-D21)-MAX(D61*(D20-D21),D22)","v":0}]
[null,"СМД вклад",{"$f":"C24","v":0},{"$f":"D24","v":0}]
[null,"СМД дивіденди",{"$f":"C27-C28","v":0},{"$f":"D27-D28","v":0}]
[null,"СМД оренда",{"$f":"(C30-C31)","v":0},{"$f":"(D30-D31)","v":0}]
[null,"СМД поручителя/СМД подружжя поручителя",{"$f":"SUM(C62:C67)","v":0},{"$f":"SUM(D62:D67)","v":0}]
[null,"СМДС",{"$f":"C68+D68","v":0}]
[]
["L3","УВК ПР (%)",{"$f":"'Платоспроможність боржника'!H82","v":30}]
[null,"УВК (%)",{"$f":"IF('Платоспроможність боржника'!C3<>\"\",'Платоспроможність боржника'!C4/'Платоспроможність боржника'!C3*100,0)","v":70}]
[null,"L3",{"$f":"'Платоспроможність боржника'!C97","v":103960.00000000003}]
[]
["L4","PTI",{"$f":"'Платоспроможність боржника'!H83","v":0.65}]
[null,"ВФЗС",{"$f":"C33+D33+E33+C34+D34+E34","v":0}]
[null,"L4",{"$f":"IF(C54<>0,(C75*C69-C76)/C54,0)","v":0}]
[]
["L5","КФН",{"$f":"'Платоспроможність боржника'!H84","v":1}]
[null,"I",{"$f":"'Платоспроможність боржника'!H85","v":1.266}]
[null,"ПЗВ",{"$f":"'Платоспроможність боржника'!H86","v":1420.07}]
[]
[null,"БВС",{"$f":"IF(C87<=4,VLOOKUP(C87,'Таблиця МП_БВС'!H:I,2,),IF(C87>4,'Таблиця МП_БВС'!$I$7+(C87-4)*C81,0))","v":5120.17}]
[null,"МП1",{"$f":"IFERROR(VLOOKUP(C3,'Таблиця МП_БВС'!$B:$E,4,),1.33)","v":1.33}]
[null,"МП2",{"$f":"IFERROR(VLOOKUP(C4,'Таблиця МП_БВС'!$B:$E,4,),1.33)","v":1.33}]
[null,"МП",{"$f":"MAX(C84,C85)","v":1.33}]
[null,"m",{"$f":"1+IF(OR(H1=\"одружений(на)\",H1=\"не зареєстрований шлюб\"),1,0)+H2","v":1}]
[null,"ФВ",{"$f":"MAX(C2,C83*C86*$C$80)","v":8621.2398426}]
[null,"L5",{"$f":"IF(C54<>0,(C79*C69-C76-C88)/C54,0)","v":-370597.73399475106}]
[]
["L6","не застосовується"]
[]
["L7","МЛскз",{"$f":"'Платоспроможність боржника'!H87","v":4000000}]
[null,"ЗКЗ",{"$f":"C39+C40+C41+C42","v":0}]
[null,"L7",{"$f":"C93-C94","v":4000000}]
[]
["L8","ММСК",{"$f":"'Платоспроможність боржника'!$H$91","v":4000000}]
[]
[null,"L8",{"$f":"IF(C98+'Платоспроможність боржника'!H5*31<=C97,C56,0)","v":4000000}]
[]
["L9","L9",{"$f":"'Платоспроможність боржника'!C126","v":100000.00000000003}]
[]
["L10","не застосовується"]
["L11","не застосовується"]
["L12","не застосовується"]
[]
["L13","LTV",{"$f":"'Платоспроможність боржника'!H88","v":0.5}]
[null,"L13",{"$f":"IF('Платоспроможність боржника'!C5>0,C107*'Платоспроможність боржника'!C5,0)","v":2500000}]
[]
[null,"Доступна сума кредиту L",{"$f":"ROUNDDOWN(MAX(MIN(C58,C73,C77,C89,C95,C99,C101,C108),0)*'Платоспроможність боржника'!H89,-2)","v":0}]
[]
[null,"ПЛАТОСПРОМОЖНІСТЬ ПОРУЧИТЕЛЯ",{"$f":"IF(OR(C110<'Платоспроможність боржника'!C135,C110=0),\"Поручитель неплатоспроможний\",\"Поручитель платоспроможний\")","v":"Поручитель неплатоспроможний"}]

{"sheet":"Доступна сума","index":7,"n_rows":17,"n_cols":4,"rows_kept":17,"cut":false,"hidden":true,"merged":[]}
[null,null,"Боржник","Поручитель"]
[null,"L",{"$f":"'Платоспроможність боржника'!C135","v":100000},{"$f":"'Платоспроможність поручителя'!C110","v":0}]
[null,"L1",{"$f":"'Платоспроможність боржника'!C82","v":4000000},{"$f":"'Платоспроможність поручителя'!C58","v":4000000}]
[null,"L3",{"$f":"'Платоспроможність боржника'!C97","v":103960.00000000003},{"$f":"'Платоспроможність поручителя'!C73","v":103960.00000000003}]
[null,"L4",{"$f":"'Платоспроможність боржника'!C101","v":44985470.269499518},{"$f":"'Платоспроможність поручителя'!C77","v":0}]
[null,"L5",{"$f":"'Платоспроможність боржника'!C114","v":68837818.065235272},{"$f":"'Платоспроможність поручителя'!C89","v":-370597.73399475106}]
[null,"L7",{"$f":"'Платоспроможність боржника'!C120","v":4000000},{"$f":"'Платоспроможність поручителя'!C95","v":4000000}]
[null,"L8",{"$f":"'Платоспроможність боржника'!C124","v":4000000},{"$f":"'Платоспроможність поручителя'!C99","v":4000000}]
[null,"L9",{"$f":"'Платоспроможність боржника'!C126","v":100000.00000000003},{"$f":"'Платоспроможність поручителя'!C101","v":100000.00000000003}]
[null,"L13",{"$f":"'Платоспроможність боржника'!C133","v":2500000},{"$f":"'Платоспроможність поручителя'!C108","v":2500000}]
[]
[null,"Клас",{"$f":"'Платоспроможність боржника'!C174","v":1}]
[null,"ММП",{"$f":"'Платоспроможність боржника'!C139","v":21940}]
[null,"СЧД",{"$f":"'Платоспроможність боржника'!C141","v":1601378.7601574}]
[null,"КПП",{"$f":"'Платоспроможність боржника'!C142","v":52.681108760377739}]
[null,"КВБ",{"$f":"'Платоспроможність боржника'!C143","v":1.3627329192546583E-2}]
[null,"КЗ",{"$f":"'Платоспроможність боржника'!C144","v":2.0240938888888886E-2}]

{"sheet":"коефіцієнт витрат","index":8,"n_rows":56,"n_cols":9,"rows_kept":56,"cut":false,"hidden":true,"merged":[]}
[null,null,"Коефіцієнт витрат, пов’язаних з веденням підприємницької діяльності (у % до суми валового доходу)",null,null,"Таблиця балів"]
[null,"Виробництво",0.7,null,null,"Кількісні показники"]
[null,"Надання інтелектуальних послуг",0.5,null,null,1,"Коефіцієнт плато-спроможності позичальника\n(КПП)","КПП > 1,15",1500]
[null,"Торгівельна, торгово-посередницька діяльність, надання інших послуг",0.6,null,null,null,null,"1,1< КПП ≤ 1,15",1400]
[null,"Надання послуг з розробки програмного забезпечення та інформатизації",0.3,null,null,null,null,"1,05 < КПП ≤ 1,1",1200]
[null,"Надання в оренду власних житлових та нежитлових приміщень/власних ТЗ",0.4,null,null,null,null,"1 < КПП ≤ 1,05",1000]
[null,"Не зазначено",0.7,null,null,null,null,"0,5 < КПП ≤ 1",600]
[null,null,null,null,null,null,null,"КПП ≤ 0,5",0]
[null,"Інтегральна оцінки боржника (Показник 1 )",null,null,null,2,"Коефіцієнт забезпечення ","КЗ < 0,5",1250]
[null,"Інтегральна оцінка боржника","Показник 1 ",null,null,null,null,"0,5 <= КЗ < 0,7",1000]
[null,"S ³ 3 500",1,null,null,null,null,"0,7 <= КЗ < 0,8",750]
[null,"3 000 ≤ S < 3 500",2,null,null,null,null,"0,8 <= КЗ < 1",500]
[null,"2 000 ≤ S <3 000",3,null,null,null,null,"1 <= КЗ < 1,3",250]
[null,"1 250 ≤  S < 2 000",4,null,null,null,null,"КЗ ≥  1,3",0]
[null,"S < 1 250",5,null,null,3,"Коефіцієнт витрат на обслуговування боргу\n(КВБ)","КВБ < 0,85",1000]
[null,null,null,null,null,null,null,"0,85 <= КВБ < 0,9",800]
[null,null,null,null,null,null,null,"0,9 <= КВБ < 0,95",600]
[null,"Сукупний розмір внесків боржника на погашення боргу (Показник 2 )",null,null,null,null,null,"0,95 <= КВБ < 1",400]
[null,"Кофіцієнт витрат на обслуговування боргу","Показник 2 ",null,null,null,null,"1 <= КВБ < 2",200]
[null,"КВБ ≤ 0,5",1,null,null,4,"Сукупні чисті надходження (СЧД)","СЧД ≥ ММП",500]
[null,"0,5 < КВБ ≤ 0,6",2,null,null,null,null,"СЧД < ММП",0]
[null,"0,6 < КВБ ≤ 0,7",3]
[null,"0,7 < КВБ ≤ 0,8",4,null,null,"Якісні показники"]
[null,"КВБ > 0,8",5,null,null,5,"Трудовий стаж за основним місцем праці","менший або рівний 35 місяців",84]
[null,null,null,null,null,null,null,"більший 35 місяців, але менший або рівний 83 місяців",87]
[null,null,null,null,null,null,null,"більший 83 місяців, але менший або рівний 195 місяців",92]
[null,"Кількість календарних днів прострочення погашення боргу (Показник 3)",null,null,null,null,null,"більший 195 місяців",98]
[null,"Кількість календарних днів прострочення погашення боргу","Показник 3",null,null,6,"Майновий стан","автомобіль, будинок; \nавтомобіль, будинок, інша власність; \nавтомобіль, інша власність; \nземельна ділянка, автомобіль; \nквартира, автомобіль, будинок; \nквартира, будинок; \nквартира, будинок, земельна ділянка; \nквартира, будинок, інша власність;",81]
[null,"Кількість днів ≤ 7 днів",1,null,null,null,null,"автомобіль, будинок, земельна ділянка; \nбудинок; \nбудинок, автомобіль, земельна ділянка, інша власність; \nбудинок, інша власність; \nземельна ділянка, інша власність; \nквартира,; \nквартира, автомобіль, земельна ділянка, інша власність",90]
[null,"8≤ Кількість днів ≤30",2,null,null,null,null,"автомобіль; \nквартира, автомобіль, будинок, земельна ділянка; \nквартира, автомобіль, земельна ділянка; \nквартира, автомобіль, інша власність; \nквартира, земельна ділянка; \nквартира, інша власність; \nНе має жодного майна у власності; \nквартира, автомобіль; \nземельна ділянка;",87]
[null,"31≤ Кількість днів ≤ 60",3,null,null,null,null,"автомобіль, земельна ділянка, інша власність; \nбудинок, земельна ділянка; \nбудинок, земельна ділянка, інша власність; \nінша власність; \nквартира, автомобіль, будинок, земельна ділянка, інша власність; \nквартира, будинок, земельна ділянка, інша власність; \nквартира, земельна ділянка, інша власність;",94]
[null,"61≤ Кількість днів ≤ 90",4,null,null,7,"Вік","менший або рівний 25 років",87]
[null,"Кількість днів ≥ 91",5,null,null,null,null,"більший 25 років, але менший або рівний 40 років",88]
[null,null,null,null,null,null,null,"більший 40 років, але менший або рівний 48 років",89]
[null,null,null,null,null,null,null,"більший 48 років, але менший або рівний 55 років",92]
[null,null,null,null,null,null,null,"більший 55 років",93]
[null,null,null,null,null,8,"Сімейний стан & Діти","не одружений(на) і має дітей;\nне одружений(на) і не має дітей;\nрозлучений(на) і має дітей;\nне зареєстрований шлюб і не має дітей;",92]
[null,null,null,null,null,null,null,"вдова/вдівець і не має дітей;\nзареєстрований шлюб і має дітей;\nне зареєстрований шлюб і має дітей",90]
[null,null,null,null,null,null,null,"вдова/вдівець і має дітей;\nзареєстрований шлюб і не має дітей;\nрозлучений(на) і не має дітей",88]
[null,null,null,null,null,9,"Кредитна історія боржника\nКД - кількість днів прострочки на момент розрахунку","КД ≤ 7 днів",200]
[null,null,null,null,null,null,null,"8≤ КД ≤30",100]
[null,null,null,null,null,null,null,"31≤ КД ≤ 60",50]
[null,null,null,null,null,null,null,"61≤ КД ≤ 90",25]
[null,null,null,null,null,null,null,"КД ≥ 91",0]
[null,null,null,null,null,10,"Динаміка доходів"]
[null,null,null,null,null,null,"для фізичних осіб, що здійснюють підприємницьку діяльність та незалежну професійну діяльність","Д ≥ 10 %",173]
[null,null,null,null,null,null,null,"0 ≤ Д < 10%",100]
[null,null,null,null,null,null,null,"Дмин. ≤ 0, Дпоточ. > 0, або",50]
[null,null,null,null,null,null,null,"Дмин-1 < 0, Дмин > 0"]
[null,null,null,null,null,null,null,"-10%  ≤ Д < 0",20]
[null,null,null,null,null,null,null,"Д < -10%, або",0]
[null,null,null,null,null,null,null,"Дмин ≤ 0, Дпоточ ≤ 0 (Дмин-1 ≤ 0, Дмин ≤ 0), або"]
[null,null,null,null,null,null,null,"Дмин > 0 Дпоточ ≤ 0 (Дмин-1 > 0, Дмин ≤ 0)"]
[null,null,null,null,null,null,null,"Дмин-1 = 0, Дмин > 0"]
[null,null,null,null,null,null,null,"Дмин = 0, Дпоточ > 0"]
[null,null,null,null,null,null,"для фізичних осіб, що не здійснюють підприємницької діяльності/ незалежної професійної діяльності",null,173]

{"sheet":"Таблиця МП_БВС","index":9,"n_rows":47,"n_cols":9,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
["Таблиця МП",null,null,null,null,null,null,"Таблиця БВС"]
["№","Місто","Область ,АРК, міськрада","Група","МП","Примітка",null,"Кількість членів сім'ї","БВС"]
[1,"м. Київ","Київська","Київ",1.33]
[2,"м. Алчевськ","Луганська","Великі міста",1.19,"міста і міськради із чисельністю населення 100 тис. осіб і більше",null,1,5120.17]
[3,"м. Бердянськ","Запорізька",null,1.19,null,null,2,8474.64]
[4,"м. Біла Церква","Київська",null,1.19,null,null,3,11256.9]
[5,"м. Бровари","Київська",null,1.19,null,null,4,12676.98]
[6,"м. Вінниця","Вінницька",null,1.19,null,null,">=5","розрахунок"]
[7,"м. Горлівка","Донецька",null,1.19]
[8,"м. Дніпро","Дніпропетровська",null,1.19,null,null,"Буфер ризику % ставки"]
[9,"м. Донецьк","Донецька",null,1.19,null,null,"Строк кредитного договору","Коректа процентного ризику (буфер)"]
[10,"м. Євпаторія","АР Крим",null,1.19,null,null,"< = 24 місяців",5.0000000000000001E-3]
[11,"м. Житомир","Житомирська",null,1.19,null,null,"> 24 та  ≤ 60 місяців",0.01]
[12,"м. Запоріжжя","Запорізька",null,1.19,null,null,"> 60 місяців",2.5000000000000001E-2]
[13,"м. Івано-Франківськ","Івано-Франківська",null,1.19]
[14,"м. Кам'янське","Дніпропетровська",null,1.19]
[15,"м. Керч","АР Крим",null,1.19,null,null,"Автокредити - min аванс"]
[16,"м. Краматорськ","Донецька",null,1.19,null,null,"Вартість атомобіля","Значення"]
[17,"м. Кременчук","Полтавська",null,1.19]
[18,"м. Кривий Ріг","Дніпропетровська",null,1.19]
[19,"м. Кропивницький","Кіровоградська",null,1.19]
[20,"м. Луганськ","Луганська",null,1.19]
[21,"м. Луцьк","Волинська",null,1.19]
[22,"м. Львів","Львівська",null,1.19]
[23,"м. Макіївка","Донецька",null,1.19]
[24,"м. Маріуполь","Донецька",null,1.19]
[25,"м. Мелітополь","Запорізька",null,1.19]
[26,"м. Миколаїв","Миколаївська",null,1.19]
[27,"м. Нікополь","Дніпропетровська",null,1.19]
[28,"м. Одеса","Одеська",null,1.19]
[29,"м. Павлоград","Дніпропетровська",null,1.19]
[30,"м. Полтава","Полтавська",null,1.19]
[31,"м. Рівне","Рівненська",null,1.19]
[32,"м. Севастополь","Севастополь",null,1.19]
[33,"м. Сєвєродонецьк","Луганська",null,1.19]
[34,"м. Сімферополь","АР Крим",null,1.19]
[35,"м. Слов'янськ","Донецька",null,1.19]
[36,"м. Суми","Сумська",null,1.19]
[37,"м. Тернопіль","Тернопільська",null,1.19]
[38,"м. Ужгород","Закарпатська",null,1.19]
[39,"м. Харків","Харківська",null,1.19]
[40,"м. Херсон","Херсонська",null,1.19]
[41,"м. Хмельницький","Хмельницька",null,1.19]
[42,"м. Черкаси","Черкаська",null,1.19]
[43,"м. Чернівці","Чернівецька",null,1.19]
[44,"м. Чернігів","Чернігівська",null,1.19]
[45,"Інші (малі міста, сільська місцевість)","-","Інші",1,"міста, селища міського типу, міськради і селищні ради із чисельністю населення менше 100 тис. осіб"]