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{"sheet":"Serviceability","index":0,"n_rows":84,"n_cols":15,"rows_kept":84,"cut":false,"hidden":false,"merged":[[78,3,79,11],[77,6,77,12],[22,6,22,8],[57,6,57,9],[40,7,40,12],[42,7,42,12],[73,11,74,11],[73,3,74,7],[73,8,74,10],[76,3,76,11]]}
[]
[]
[null,null,"Serviceability Calculator (Commercial)"]
[null,null,null,"RedZed Lending Solutions Pty Ltd (ACL 311128)"]
[]
[null,null,null,"Information can be entered in the clear boxes, the grey boxes contain RedZed calculations."]
[]
[null,null,null,"Application name (mandatory)"]
[]
[null,null,null,"Income Table",null,null,"Gross Annual",null,null,null,null,"Net Monthly"]
[]
[null,null,null,"Company Income (if applicable)"]
[null,null,null,"*Serviceability for Company Applicants will be based on the Company & Guarantors joint ability to service all debts"]
[]
[null,null,null,"Company Applicants NPBT - Alt Doc","Once all company expenses and liabilities paid",null,null,null,null,null,null,{"$f":"G15/12","v":0},null,null,"Table_Company_Tax_Rate"]
[]
[null,null,null,"Personal Income",null,"Select Household"]
[null,null,null,"Applicant / Guarantor 1","PAYG or Alt Doc",null,null," ",null,null,null,{"$f":"'Tax Calc'!I5","v":0}]
[null,null,null,"Applicant / Guarantor 2","PAYG or Alt Doc",null,null,null,null,null,null,{"$f":"'Tax Calc'!I6","v":0}]
[null,null,null,"Applicant / Guarantor 3","PAYG or Alt Doc",null,null,null,null,null,null,{"$f":"'Tax Calc'!I7","v":0}]
[null,null,null,"Applicant / Guarantor 4","PAYG or Alt Doc",null,null,null,null,null,null,{"$f":"'Tax Calc'!I8","v":0}]
[]
[null,null,null,null,null,"Select Household","Enter Source of Income"]
[null,null,null,"Applicant / Guarantor 1","Other Regular Monthly Income (eg - welfare payments, investments)"]
[null,null,null,"Applicant / Guarantor 2","Other Regular Monthly Income (eg - welfare payments, investments)"]
[null,null,null,"Applicant / Guarantor 3","Other Regular Monthly Income (eg - welfare payments, investments)"]
[null,null,null,"Applicant / Guarantor 4","Other Regular Monthly Income (eg - welfare payments, investments)"]
[]
[null,null,null,"Rental Income","Existing",null,0,null,null,null,null,{"$f":"G29*0.8/12","v":0}]
[null,null,null,"Rental Income","New",null,0,null,null,null,null,{"$f":"G30*0.8/12","v":0}]
[]
[null,null,null,"Total Monthly Net Income",null,null,null,null,null,null,null,{"$f":"SUM(L18,L19,L20,L21,L24,L25,L26,L27,L29,L30,L15)","v":0}]
[]
[]
[null,null,null,"Monthly Living Expenses"]
[]
[null,null,null,"Applicants(s) declared expenses - mandatory"]
[null,null,null,"Ongoing (combined) standard monthly living expenses declared by applicant(s)"]
[]
[null,null,null,"RedZed Living Allowance",null,"Select Household"]
[null,null,null,"Number of adults - household 1",null,null,null,{"$f":"Tables!E86","v":" "}]
[null,null,null,"Number of dependant children - household 1"]
[null,null,null,"Number of adults - household 2",null,null,null,{"$f":"Tables!E87","v":" "}]
[null,null,null,"Number of dependant children - household 2"]
[]
[null,null,null,"Total Monthly Living Expenses used in assessment",null,null,null,null,null,null,null,{"$f":"MAX(SUM(L41:L44),G38)","v":0}]
[]
[]
[null,null,null,"Available Income",null,null,null,null,null,null,null,{"$f":"Tables!B313","v":0}]
[]
[null,null,null,"Commitments",null,null,null,null,null,null,null,"Monthly"]
[]
[null,null,null,"RedZed Loan Applied For"]
[null,null,null,null,null,null,"Loan Amount","Years","Interest Only Term","Interest Rate"]
[null,null,null,null,"Loan 1",null,null,null,null,null,null,{"$f":"Tables!B321","v":0}]
[null,null,null,null,"Loan 2",null,null,null,null,null,null,{"$f":"Tables!B322","v":0}]
[null,null,null,"Note: An interest rate buffer is automatically applied by the calculator. You do not need to apply a separate buffer."]
[null,null,null,null,null,null,"Financier"]
[null,null,null,"Existing Loans","Loan 1 - Existing Secured"]
[null,null,null,null,"Loan 2 - Existing Secured"]
[null,null,null,null,"Loan 3 - Existing Unsecured"]
[null,null,null,null,"Loan 4 - Existing Unsecured"]
[]
[null,null,null,null,null,null,"Total Credit Limits"]
[null,null,null,"Credit Cards",null,null,null,"(@3.82%)",null,null,null,{"$f":"G65*3.82%","v":0}]
[]
[null,null,null,"Maintenance / On Going Rent"]
[]
[null,null,null,"Other Fixed Monthly Repayments"]
[]
[null,null,null,"Total Monthly Commitments",null,null,null,null,null,null,null,{"$f":"SUM(L55:L69)","v":0}]
[]
[]
[null,null,null,"This Serviceability Calculator is intended as a guide only and no loan approval can be assumed on the basis of the results of this calculator. All applications remain subject to the normal credit and approval criteria of RedZed Lending Solutions Pty Ltd.",null,null,null,null,"Fail",null,null,{"$f":"IFERROR('Serviceability Calc'!C19,0)","v":0}]
[]
[]
[null,null,null,"* If Commercial Loan LVR is greater than 70%, serviceability needs to be greater than 1.25%.\nIn this case please call RedZed on 1300 722 462 to discuss your options."]
[]
[null,null,null,"I, the Introducer, confirm that reasonable enquiries about the applicant(s) current and ongoing financial situation have been undertaken and are reflected in the figures entered into this calculation. The applicants(s) have been given sufficient time to consider the declared monthly living expenses amount which has been derived following due consideration."]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Version Control'!I1","v":"v10.16 220616"}]

{"sheet":"Tables","index":1,"n_rows":322,"n_cols":15,"rows_kept":322,"cut":false,"hidden":true,"merged":[[72,5,72,6],[72,1,72,2],[72,7,72,8]]}
[]
["Tax"]
[null,null,null,null,null,null,"Flood Levy"]
["Wages Over","Not to Exceed","Tax Rate",null,null,null,"Taxable income","Flood levy on this income"]
[0,18200,0,null,null,null,"$0 to $50,000","Nil",0,50000,0]
[{"$f":"B5+1","v":18201},45000,0.19,{"$f":"D5+C5*(B5-A5)","v":0},null,null,"$50,001 to $100,000","Half a cent for each $1 over $50,000",50001,100000,0,{"$f":"(J6-J5)*K6","v":0}]
[{"$f":"B6+1","v":45001},120000,0.32500000000000001,{"$f":"ROUNDUP(D6+C6*(B6-A6),0)","v":5092},null,null,"Over $100,000","$250 plus 1c for each $1 over $100,000",{"$f":"J6+1","v":100001},null,0]
[120001,180000,0.37,{"$f":"ROUNDUP(D7+C7*(B7-A7),0)","v":29467}]
[180001,null,0.45,{"$f":"ROUNDUP(D8+C8*(B8-A8),0)","v":51667}]
[null,null,null,null,null,null,"                        "]
[null,null,null,null,null,null,"   "]
["Medicare Levy"]
[null,null,null,null,null,null,"Taxable income","Tax on this income"]
[0,16284,0,null,"not currently used",null,"0 - $18,200","Nil"]
[16284,17604,0.2,null,null,null,"$18,201 - $37,000","19c for each $1 over $18,200"]
["17604+",null,0.02,null,null,null,"$37,001 - $90,000","$3,572 plus 32.5c for each $1 over $37,000"]
[null,null,null,null,null,null,"$90,001 - $180,000","$17,547 plus 37c for each $1 over $87,000"]
[null,null,null,null,null,null,"$180,001 and over","$54,547 plus 45c for each $1 over $180,000"]
[]
["Company Tax"]
[]
["Rate",0.27500000000000002]
[]
[]
[]
["Living Expenses"]
[]
["First Adult",17880]
["Subsequent Adult",8940]
["Each Child",6720]
[]
[]
["APR Buffer",2.5000000000000001E-2]
["Minimum Rate",7.0000000000000007E-2]
[]
["RedZed Loan Applied For: Repayment With Buffer",null,"Buffered %","Minimum %","Rate %","Buffer %","Buffered %","Total Term","Interest Only Term","Net Term","Amount"]
["Buffered Loan 1",{"$f":"IF(Serviceability!H55=0,0,-PMT((D37)/12,J37*12,Serviceability!G55))","v":0},{"$f":"G37","v":2.5000000000000001E-2},{"$f":"IF(C37>=$B$34,C37,$B$34)","v":7.0000000000000007E-2},{"$f":"Serviceability!J55","v":0},{"$f":"$B$33","v":2.5000000000000001E-2},{"$f":"E37+F37","v":2.5000000000000001E-2},{"$f":"Serviceability!H55","v":0},{"$f":"Serviceability!I55","v":0},{"$f":"H37-I37","v":0},{"$f":"Serviceability!G55","v":0}]
["Buffered Loan 2",{"$f":"IF(Serviceability!H56=0,0,-PMT((D38)/12,J38*12,Serviceability!G56))","v":0},{"$f":"G38","v":2.5000000000000001E-2},{"$f":"IF(C38>=$B$34,C38,$B$34)","v":7.0000000000000007E-2},{"$f":"Serviceability!J56","v":0},{"$f":"$B$33","v":2.5000000000000001E-2},{"$f":"E38+F38","v":2.5000000000000001E-2},{"$f":"Serviceability!H56","v":0},{"$f":"Serviceability!I56","v":0},{"$f":"H38-I38","v":0},{"$f":"Serviceability!G56","v":0}]
[]
[]
["Existing Loan: Repayment With Buffer"]
["Buffered Loan 1",0.2,{"$f":"Serviceability!L59*(1+Tables!B42)","v":0},null,null,null,{"$f":"Serviceability!L59","v":0},{"$f":"Serviceability!E59","v":"Loan 1 - Existing Secured"}]
["Buffered Loan 2",0.2,{"$f":"Serviceability!L60*(1+Tables!B43)","v":0},null,null,null,{"$f":"Serviceability!L60","v":0},{"$f":"Serviceability!E60","v":"Loan 2 - Existing Secured"}]
[]
[]
["Additional Fees for Serviceability",null,null,null,null,null," "]
["Fees - Loan 1",1E-3,{"$f":"IF(Serviceability!L55=0,0,(B47*Serviceability!G55)/12)","v":0},"Monthly Account Keeping Fee Commercial",null,null," "]
["Fees - Loan 2",1E-3,{"$f":"IF(Serviceability!L56=0,0,(B48*Serviceability!G56)/12)","v":0},"Monthly Account Keeping Fee Commercial",null,null," "]
[]
[]
["Column1","Single Adult","Single Adult + 1 Dependant","Single Adult + 2 Dependants","Single Adult + 3 Dependants","Single Adult + 4 Dependants","Single Adult + 5 Dependants","Single Adult + 6 Dependants","Couple","Couple + 1 Dependant","Couple + 2 Dependants","Couple + 3 Dependants","Couple + 4 Dependants","Couple + 5 Dependants","Couple + 6 Dependants"]
["Income Range ($)","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark"]
["0 - 21,000",{"$f":"251*52.2/12","v":1091.8500000000001},null,null,null,null,null,null,"-","-","-","-","-","-","-"]
["21,001 - 32,000",{"$f":"265*52.2/12","v":1152.75},{"$f":"354*52.2/12","v":1539.8999999999999},{"$f":"445*52.2/12","v":1935.75},"-","-","-","-",{"$f":"487*52.2/12","v":2118.4500000000003},"-","-","-","-","-","-"]
["32,001 - 43,000",{"$f":"280*52.2/12","v":1218},{"$f":"369*52.2/12","v":1605.1499999999999},{"$f":"460*52.2/12","v":2001},{"$f":"552*52.2/12","v":2401.2000000000003},{"$f":"(552+93)*52.2/12","v":2805.75},"-","-",{"$f":"502*52.2/12","v":2183.7000000000003},{"$f":"578*52.2/12","v":2514.3000000000002},{"$f":"636*52.2/12","v":2766.6000000000004},"-","-","-","-"]
["43,001 - 53,000",{"$f":"301*52.2/12","v":1309.3500000000001},{"$f":"391*52.2/12","v":1700.8500000000001},{"$f":"481*52.2/12","v":2092.35},{"$f":"574*52.2/12","v":2496.9},{"$f":"(574+93)*52.2/12","v":2901.4500000000003},"-","-",{"$f":"523*52.2/12","v":2275.0500000000002},{"$f":"599*52.2/12","v":2605.65},{"$f":"657*52.2/12","v":2857.9500000000003},{"$f":"720*52.2/12","v":3132},"-","-","-"]
["53,001 - 64,000",{"$f":"338*52.2/12","v":1470.3000000000002},{"$f":"428*52.2/12","v":1861.8000000000002},{"$f":"519*52.2/12","v":2257.65},{"$f":"612*52.2/12","v":2662.2000000000003},{"$f":"(612+93)*52.2/12","v":3066.75},{"$f":"(612+93+93)*52.2/12","v":3471.3000000000006},"-",{"$f":"561*52.2/12","v":2440.35},{"$f":"637*52.2/12","v":2770.9500000000003},{"$f":"694*52.2/12","v":3018.9},{"$f":"757*52.2/12","v":3292.9500000000003},{"$f":"(757+63)*52.2/12","v":3567},{"$f":"(757+63+63)*52.2/12","v":3841.0500000000006},"-"]
["64,001 - 85,000",{"$f":"385*52.2/12","v":1674.75},{"$f":"475*52.2/12","v":2066.25},{"$f":"566*52.2/12","v":2462.1},{"$f":"659*52.2/12","v":2866.65},{"$f":"(659+93)*52.2/12","v":3271.2000000000003},{"$f":"(659+93+93)*52.2/12","v":3675.75},{"$f":"(659+93+93)*52.2/12","v":3675.75},{"$f":"608*52.2/12","v":2644.8},{"$f":"684*52.2/12","v":2975.4},{"$f":"741*52.2/12","v":3223.3500000000004},{"$f":"804*52.2/12","v":3497.4},{"$f":"(804+63)*52.2/12","v":3771.4500000000003},{"$f":"(804+63+63)*52.2/12","v":4045.5},{"$f":"(804+63+63)*52.2/12","v":4045.5}]
["85,001 - 107,000",{"$f":"459*52.2/12","v":1996.6500000000003},{"$f":"549*52.2/12","v":2388.15},{"$f":"640*52.2/12","v":2784},{"$f":"733*52.2/12","v":3188.5499999999997},{"$f":"(733+93)*52.2/12","v":3593.1000000000004},{"$f":"(733+93+93)*52.2/12","v":3997.65},{"$f":"(733+93+93+93)*52.2/12","v":4402.2},{"$f":"682*52.2/12","v":2966.7000000000003},{"$f":"757*52.2/12","v":3292.9500000000003},{"$f":"815*52.2/12","v":3545.25},{"$f":"878*52.2/12","v":3819.3000000000006},{"$f":"(878+63)*52.2/12","v":4093.3500000000004},{"$f":"(878+63+63)*52.2/12","v":4367.4000000000005},{"$f":"(878+63+63)*52.2/12","v":4367.4000000000005}]
["107,001 - 128,000",{"$f":"513*52.2/12","v":2231.5500000000002},{"$f":"603*52.2/12","v":2623.05},{"$f":"693*52.2/12","v":3014.5499999999997},{"$f":"(787)*52.2/12","v":3423.4500000000003},{"$f":"(787+94)*52.2/12","v":3832.3500000000004},{"$f":"(787+94+94)*52.2/12","v":4241.25},{"$f":"(787+94+94+94)*52.2/12","v":4650.1500000000005},{"$f":"735*52.2/12","v":3197.25},{"$f":"811*52.2/12","v":3527.8500000000004},{"$f":"868*52.2/12","v":3775.8000000000006},{"$f":"931*52.2/12","v":4049.8500000000004},{"$f":"(931+63)*52.2/12","v":4323.9000000000005},{"$f":"(931+63+63)*52.2/12","v":4597.95},{"$f":"(931+63+63)*52.2/12","v":4597.95}]
["128,001 - 150,000",{"$f":"603*52.2/12","v":2623.05},{"$f":"693*52.2/12","v":3014.5499999999997},{"$f":"784*52.2/12","v":3410.4},{"$f":"(878)*52.2/12","v":3819.3000000000006},{"$f":"(878+94)*52.2/12","v":4228.2},{"$f":"(878+94+94)*52.2/12","v":4637.1000000000004},{"$f":"(878+94+94+94)*52.2/12","v":5046},{"$f":"826*52.2/12","v":3593.1000000000004},{"$f":"901*52.2/12","v":3919.3500000000004},{"$f":"959*52.2/12","v":4171.6500000000005},{"$f":"1022*52.2/12","v":4445.7},{"$f":"(1022+63)*52.2/12","v":4719.75},{"$f":"(1022+63+63)*52.2/12","v":4993.8},{"$f":"(1022+63+63)*52.2/12","v":4993.8}]
["150,001 - 171,000",{"$f":"637*52.2/12","v":2770.9500000000003},{"$f":"727*52.2/12","v":3162.4500000000003},{"$f":"818*52.2/12","v":3558.3000000000006},{"$f":"(912)*52.2/12","v":3967.2000000000003},{"$f":"(912+94)*52.2/12","v":4376.1000000000004},{"$f":"(912+94+94)*52.2/12","v":4785},{"$f":"(912+94+94+94)*52.2/12","v":5193.9000000000005},{"$f":"860*52.2/12","v":3741},{"$f":"935*52.2/12","v":4067.25},{"$f":"993*52.2/12","v":4319.55},{"$f":"1056*52.2/12","v":4593.6000000000004},{"$f":"(1056+63)*52.2/12","v":4867.6500000000005},{"$f":"(1056+63+63)*52.2/12","v":5141.7},{"$f":"(1056+63+63)*52.2/12","v":5141.7}]
["171,001 - 214,000",{"$f":"676*52.2/12","v":2940.6000000000004},{"$f":"766*52.2/12","v":3332.1000000000004},{"$f":"857*52.2/12","v":3727.9500000000003},{"$f":"(951)*52.2/12","v":4136.8500000000004},{"$f":"(951+94)*52.2/12","v":4545.75},{"$f":"(951+94+94)*52.2/12","v":4954.6500000000005},{"$f":"(951+94+94+94)*52.2/12","v":5363.55},{"$f":"899*52.2/12","v":3910.65},{"$f":"974*52.2/12","v":4236.9000000000005},{"$f":"1032*52.2/12","v":4489.2},{"$f":"1095*52.2/12","v":4763.25},{"$f":"(1095+63)*52.2/12","v":5037.3},{"$f":"(1095+63+63)*52.2/12","v":5311.35},{"$f":"(1095+63+63)*52.2/12","v":5311.35}]
["214,001 - 267,000",{"$f":"781*52.2/12","v":3397.3500000000004},{"$f":"871*52.2/12","v":3788.8500000000004},{"$f":"962*52.2/12","v":4184.7},{"$f":"(1056)*52.2/12","v":4593.6000000000004},{"$f":"(1056+95)*52.2/12","v":5006.8500000000004},{"$f":"(1056+95+95)*52.2/12","v":5420.1},{"$f":"(1056+95+95+95)*52.2/12","v":5833.3499999999995},{"$f":"1004*52.2/12","v":4367.4000000000005},{"$f":"1079*52.2/12","v":4693.6500000000005},{"$f":"1136*52.2/12","v":4941.6000000000004},{"$f":"1199*52.2/12","v":5215.6500000000005},{"$f":"(1199+63)*52.2/12","v":5489.7000000000007},{"$f":"(1199+63+63)*52.2/12","v":5763.75},{"$f":"(1199+63+63)*52.2/12","v":5763.75}]
["267,000 - 321,000",{"$f":"912*52.2/12","v":3967.2000000000003},{"$f":"1003*52.2/12","v":4363.05},{"$f":"1093*52.2/12","v":4754.55},{"$f":"(1188)*52.2/12","v":5167.8},{"$f":"(1188+95)*52.2/12","v":5581.05},{"$f":"(1188+95+95)*52.2/12","v":5994.3},{"$f":"(1188+95+95+95)*52.2/12","v":6407.55},{"$f":"1135*52.2/12","v":4937.25},{"$f":"1210*52.2/12","v":5263.5},{"$f":"1268*52.2/12","v":5515.8},{"$f":"1330*52.2/12","v":5785.5},{"$f":"(1330+63)*52.2/12","v":6059.55},{"$f":"(1330+63+63)*52.2/12","v":6333.5999999999995},{"$f":"(1330+63+63)*52.2/12","v":6333.5999999999995}]
["321,001 plus",{"$f":"944*52.2/12","v":4106.4000000000005},{"$f":"1034*52.2/12","v":4497.9000000000005},{"$f":"1125*52.2/12","v":4893.75},{"$f":"(1220)*52.2/12","v":5307},{"$f":"(1220+95)*52.2/12","v":5720.25},{"$f":"(1220+95+95)*52.2/12","v":6133.5},{"$f":"(1220+95+95+95)*52.2/12","v":6546.75},{"$f":"1167*52.2/12","v":5076.45},{"$f":"1241*52.2/12","v":5398.35},{"$f":"1299*52.2/12","v":5650.6500000000005},{"$f":"1362*52.2/12","v":5924.7000000000007},{"$f":"(1362+63)*52.2/12","v":6198.75},{"$f":"(1362+63+63)*52.2/12","v":6472.8},{"$f":"(1362+63+63)*52.2/12","v":6472.8}]
[]
[]
[]
[]
[]
["Household 1"]
["Household 2","Monthly Income",null,null,null,"Other Income",null,"Company"]
[]
[null,"Household 1","Household 2",null,null,"Household 1","Household 2",null,"Always Household1"]
["Applicant / Guarantor 1",{"$f":"IF(EXACT(Serviceability!F18, \"Household 1\"),Serviceability!G18,0)","v":0},{"$f":"IF(EXACT(Serviceability!F18, \"Household 2\"),Serviceability!G18,0)","v":0},null,"Applicant / Guarantor 1",{"$f":"IF(EXACT(Serviceability!F24, \"Household 1\"),Serviceability!L24,0)","v":0},{"$f":"IF(EXACT(Serviceability!F24, \"Household 2\"),Serviceability!L24,0)","v":0},"Applicant / Guarantor 1",{"$f":"Serviceability!G15","v":0}]
["Applicant / Guarantor 2",{"$f":"IF(EXACT(Serviceability!F19, \"Household 1\"),Serviceability!G19,0)","v":0},{"$f":"IF(EXACT(Serviceability!F19, \"Household 2\"),Serviceability!G19,0)","v":0},null,"Applicant / Guarantor 2",{"$f":"IF(EXACT(Serviceability!F25, \"Household 1\"),Serviceability!L25,0)","v":0},{"$f":"IF(EXACT(Serviceability!F25, \"Household 2\"),Serviceability!L25,0)","v":0}]
["Applicant / Guarantor 3",{"$f":"IF(EXACT(Serviceability!F20, \"Household 1\"),Serviceability!G20,0)","v":0},{"$f":"IF(EXACT(Serviceability!F20, \"Household 2\"),Serviceability!G20,0)","v":0},null,"Applicant / Guarantor 3",{"$f":"IF(EXACT(Serviceability!F26, \"Household 1\"),Serviceability!L26,0)","v":0},{"$f":"IF(EXACT(Serviceability!F26, \"Household 2\"),Serviceability!L26,0)","v":0}]
["Applicant / Guarantor 4",{"$f":"IF(EXACT(Serviceability!F21, \"Household 1\"),Serviceability!G21,0)","v":0},{"$f":"IF(EXACT(Serviceability!F21, \"Household 2\"),Serviceability!G21,0)","v":0},null,"Applicant / Guarantor 4",{"$f":"IF(EXACT(Serviceability!F27, \"Household 1\"),Serviceability!L27,0)","v":0},{"$f":"IF(EXACT(Serviceability!F27, \"Household 2\"),Serviceability!L27,0)","v":0}]
["Applicant Totals",{"$f":"SUM(B76:B79,F80,I76)","v":0},{"$f":"SUM(C76:C79,G80)","v":0},null,"Applicant Totals",{"$f":"SUM(F76:F79)*12","v":0},{"$f":"SUM(G76:G79)*12","v":0}]
[]
["Adults - household",{"$f":"IF(AND(Tables!B80<=59999,Serviceability!G41=1),Tables!B53,IF(AND(Tables!B80<=89999,Serviceability!G41>=1),Tables!B54,\"\"))","v":""},{"$f":"IF(C80<=59999,\"test\",IF(B2>93,\"A\",IF(B2>89,\"A-\",IF(B2>87,\"B+\",IF(B2>83,\"B\",IF(B2>79,\"B-\", IF(B2>77,\"C+\",IF(B2>73,\"C\",IF(B2>69,\"C-\",IF(B2>57,\"D+\",IF(B2>53,\"D\",IF(B2>49,\"D-\",\"\"))))))))))))","v":"test"}]
["Adults - household - new",{"$f":"IF(Tables!B80<=59999,#REF!,IF(Tables!B80<=89999,#REF!,\"\"))","v":{"$error":"#REF!"}}]
["Dependant children - household"]
[]
["Adult",{"$f":"Serviceability!G41","v":0},{"$f":"Serviceability!G43","v":0},null,{"$f":"IF(Serviceability!G41>2, \"Please call 1300 722 462 for assistance with calculation\",\" \")","v":" "}]
["Dependent ",{"$f":"Serviceability!G42","v":0},{"$f":"Serviceability!G44","v":0},null,{"$f":"IF(Serviceability!G43>2, \"Please call 1300 722 462 for assistance with calculation\",\" \")","v":" "}]
[null,{"$f":"\"Adult-\" & B86 & \",Dependents-\" & B87","v":"Adult-0,Dependents-0"},{"$f":"\"Adult-\" & C86 & \",Dependents-\" & C87","v":"Adult-0,Dependents-0"}]
[]
["LookupKey","Household","Income Range","Living Expense"]
[{"$f":"B91 & \":\" & C91","v":"Adult-1,Dependents-0:0-21000"},"Adult-1,Dependents-0","0-21000",{"$f":"251*52.2/12","v":1091.8500000000001}]
[{"$f":"B92 & \":\" & C92","v":"Adult-1,Dependents-0:21000-32000"},"Adult-1,Dependents-0","21000-32000",{"$f":"265*52.2/12","v":1152.75}]
["Adult-1,Dependents-0:32001-43000","Adult-1,Dependents-0","32001-43000",{"$f":"280*52.2/12","v":1218}]
["Adult-1,Dependents-0:43001-53000","Adult-1,Dependents-0","43001-53000",{"$f":"301*52.2/12","v":1309.3500000000001}]
["Adult-1,Dependents-0:53001-64000","Adult-1,Dependents-0","53001-64000",{"$f":"338*52.2/12","v":1470.3000000000002}]
["Adult-1,Dependents-0:64001-85000","Adult-1,Dependents-0","64001-85000",{"$f":"385*52.2/12","v":1674.75}]
["Adult-1,Dependents-0:85001-107000","Adult-1,Dependents-0","85001-107000",{"$f":"459*52.2/12","v":1996.6500000000003}]
["Adult-1,Dependents-0:107001-128000","Adult-1,Dependents-0","107001-128000",{"$f":"513*52.2/12","v":2231.5500000000002}]
["Adult-1,Dependents-0:128001-150000","Adult-1,Dependents-0","128001-150000",{"$f":"603*52.2/12","v":2623.05}]
["Adult-1,Dependents-0:150001-171000","Adult-1,Dependents-0","150001-171000",{"$f":"637*52.2/12","v":2770.9500000000003}]
["Adult-1,Dependents-0:171001-214000","Adult-1,Dependents-0","171001-214000",{"$f":"676*52.2/12","v":2940.6000000000004}]
["Adult-1,Dependents-0:214001-267000","Adult-1,Dependents-0","214001-267000",{"$f":"781*52.2/12","v":3397.3500000000004}]
["Adult-1,Dependents-0:267001-321000","Adult-1,Dependents-0","267001-321000",{"$f":"912*52.2/12","v":3967.2000000000003}]
["Adult-1,Dependents-0:321000+","Adult-1,Dependents-0","321000+",{"$f":"944*52.2/12","v":4106.4000000000005}]
[]
["Adult-1,Dependents-1:0-21000","Adult-1,Dependents-1","0-21000",{"$f":"354*52.2/12","v":1539.8999999999999}]
["Adult-1,Dependents-1:21000-32000","Adult-1,Dependents-1","21000-32000",{"$f":"354*52.2/12","v":1539.8999999999999}]
["Adult-1,Dependents-1:32001-43000","Adult-1,Dependents-1","32001-43000",{"$f":"369*52.2/12","v":1605.1499999999999}]
["Adult-1,Dependents-1:43001-53000","Adult-1,Dependents-1","43001-53000",{"$f":"391*52.2/12","v":1700.8500000000001}]
["Adult-1,Dependents-1:53001-64000","Adult-1,Dependents-1","53001-64000",{"$f":"428*52.2/12","v":1861.8000000000002}]
["Adult-1,Dependents-1:64001-85000","Adult-1,Dependents-1","64001-85000",{"$f":"475*52.2/12","v":2066.25}]
["Adult-1,Dependents-1:85001-107000","Adult-1,Dependents-1","85001-107000",{"$f":"549*52.2/12","v":2388.15}]
["Adult-1,Dependents-1:107001-128000","Adult-1,Dependents-1","107001-128000",{"$f":"603*52.2/12","v":2623.05}]
["Adult-1,Dependents-1:128001-150000","Adult-1,Dependents-1","128001-150000",{"$f":"693*52.2/12","v":3014.5499999999997}]
["Adult-1,Dependents-1:150001-171000","Adult-1,Dependents-1","150001-171000",{"$f":"727*52.2/12","v":3162.4500000000003}]
["Adult-1,Dependents-1:171001-214000","Adult-1,Dependents-1","171001-214000",{"$f":"766*52.2/12","v":3332.1000000000004}]
["Adult-1,Dependents-1:214001-267000","Adult-1,Dependents-1","214001-267000",{"$f":"871*52.2/12","v":3788.8500000000004}]
["Adult-1,Dependents-1:267001-321000","Adult-1,Dependents-1","267001-321000",{"$f":"1003*52.2/12","v":4363.05}]
["Adult-1,Dependents-1:321000+","Adult-1,Dependents-1","321000+",{"$f":"1034*52.2/12","v":4497.9000000000005}]
[]
[{"$f":"B121 & \":\" & C121","v":"Adult-1,Dependents-2:0-21000"},"Adult-1,Dependents-2","0-21000",{"$f":"445*52.2/12","v":1935.75}]
["Adult-1,Dependents-2:21000-32000","Adult-1,Dependents-2","21000-32000",{"$f":"445*52.2/12","v":1935.75}]
["Adult-1,Dependents-2:32001-43000","Adult-1,Dependents-2","32001-43000",{"$f":"460*52.2/12","v":2001}]
["Adult-1,Dependents-2:43001-53000","Adult-1,Dependents-2","43001-53000",{"$f":"481*52.2/12","v":2092.35}]
["Adult-1,Dependents-2:53001-64000","Adult-1,Dependents-2","53001-64000",{"$f":"519*52.2/12","v":2257.65}]
["Adult-1,Dependents-2:64001-85000","Adult-1,Dependents-2","64001-85000",{"$f":"566*52.2/12","v":2462.1}]
["Adult-1,Dependents-2:85001-107000","Adult-1,Dependents-2","85001-107000",{"$f":"640*52.2/12","v":2784}]
["Adult-1,Dependents-2:107001-128000","Adult-1,Dependents-2","107001-128000",{"$f":"693*52.2/12","v":3014.5499999999997}]
["Adult-1,Dependents-2:128001-150000","Adult-1,Dependents-2","128001-150000",{"$f":"784*52.2/12","v":3410.4}]
["Adult-1,Dependents-2:150001-171000","Adult-1,Dependents-2","150001-171000",{"$f":"818*52.2/12","v":3558.3000000000006}]
["Adult-1,Dependents-2:171001-214000","Adult-1,Dependents-2","171001-214000",{"$f":"857*52.2/12","v":3727.9500000000003}]
["Adult-1,Dependents-2:214001-267000","Adult-1,Dependents-2","214001-267000",{"$f":"962*52.2/12","v":4184.7}]
["Adult-1,Dependents-2:267001-321000","Adult-1,Dependents-2","267001-321000",{"$f":"1093*52.2/12","v":4754.55}]
["Adult-1,Dependents-2:321000+","Adult-1,Dependents-2","321000+",{"$f":"1125*52.2/12","v":4893.75}]
[]
[{"$f":"B136 & \":\" & C136","v":"Adult-1,Dependents-3:0-21000"},"Adult-1,Dependents-3","0-21000",{"$f":"552*52.2/12","v":2401.2000000000003}]
["Adult-1,Dependents-3:21000-32000","Adult-1,Dependents-3","21000-32000",{"$f":"552*52.2/12","v":2401.2000000000003}]
["Adult-1,Dependents-3:32001-43000","Adult-1,Dependents-3","32001-43000",{"$f":"552*52.2/12","v":2401.2000000000003}]
["Adult-1,Dependents-3:43001-53000","Adult-1,Dependents-3","43001-53000",{"$f":"574*52.2/12","v":2496.9}]
["Adult-1,Dependents-3:53001-64000","Adult-1,Dependents-3","53001-64000",{"$f":"612*52.2/12","v":2662.2000000000003}]
["Adult-1,Dependents-3:64001-85000","Adult-1,Dependents-3","64001-85000",{"$f":"659*52.2/12","v":2866.65}]
["Adult-1,Dependents-3:85001-107000","Adult-1,Dependents-3","85001-107000",{"$f":"733*52.2/12","v":3188.5499999999997}]
["Adult-1,Dependents-3:107001-128000","Adult-1,Dependents-3","107001-128000",{"$f":"(787)*52.2/12","v":3423.4500000000003}]
["Adult-1,Dependents-3:128001-150000","Adult-1,Dependents-3","128001-150000",{"$f":"(878)*52.2/12","v":3819.3000000000006}]
["Adult-1,Dependents-3:150001-171000","Adult-1,Dependents-3","150001-171000",{"$f":"(912)*52.2/12","v":3967.2000000000003}]
["Adult-1,Dependents-3:171001-214000","Adult-1,Dependents-3","171001-214000",{"$f":"(951)*52.2/12","v":4136.8500000000004}]
["Adult-1,Dependents-3:214001-267000","Adult-1,Dependents-3","214001-267000",{"$f":"(1056)*52.2/12","v":4593.6000000000004}]
["Adult-1,Dependents-3:267001-321000","Adult-1,Dependents-3","267001-321000",{"$f":"(1188)*52.2/12","v":5167.8}]
["Adult-1,Dependents-3:321000+","Adult-1,Dependents-3","321000+",{"$f":"(1220)*52.2/12","v":5307}]
[]
[]
[{"$f":"B152 & \":\" & C152","v":"Adult-1,Dependents-4:0-21000"},"Adult-1,Dependents-4","0-21000",{"$f":"(552+93)*52.2/12","v":2805.75}]
["Adult-1,Dependents-4:21000-32000","Adult-1,Dependents-4","21000-32000",{"$f":"(552+93)*52.2/12","v":2805.75}]
["Adult-1,Dependents-4:32001-43000","Adult-1,Dependents-4","32001-43000",{"$f":"(552+93)*52.2/12","v":2805.75}]
["Adult-1,Dependents-4:43001-53000","Adult-1,Dependents-4","43001-53000",{"$f":"(574+93)*52.2/12","v":2901.4500000000003}]
["Adult-1,Dependents-4:53001-64000","Adult-1,Dependents-4","53001-64000",{"$f":"(612+93)*52.2/12","v":3066.75}]
["Adult-1,Dependents-4:64001-85000","Adult-1,Dependents-4","64001-85000",{"$f":"(659+93)*52.2/12","v":3271.2000000000003}]
["Adult-1,Dependents-4:85001-107000","Adult-1,Dependents-4","85001-107000",{"$f":"(733+93)*52.2/12","v":3593.1000000000004}]
["Adult-1,Dependents-4:107001-128000","Adult-1,Dependents-4","107001-128000",{"$f":"(787+94)*52.2/12","v":3832.3500000000004}]
["Adult-1,Dependents-4:128001-150000","Adult-1,Dependents-4","128001-150000",{"$f":"(878+94)*52.2/12","v":4228.2}]
["Adult-1,Dependents-4:150001-171000","Adult-1,Dependents-4","150001-171000",{"$f":"(912+94)*52.2/12","v":4376.1000000000004}]
["Adult-1,Dependents-4:171001-214000","Adult-1,Dependents-4","171001-214000",{"$f":"(951+94)*52.2/12","v":4545.75}]
["Adult-1,Dependents-4:214001-267000","Adult-1,Dependents-4","214001-267000",{"$f":"(1056+95)*52.2/12","v":5006.8500000000004}]
["Adult-1,Dependents-4:267001-321000","Adult-1,Dependents-4","267001-321000",{"$f":"(1188+95)*52.2/12","v":5581.05}]
["Adult-1,Dependents-4:321000+","Adult-1,Dependents-4","321000+",{"$f":"(1220+95)*52.2/12","v":5720.25}]
[]
[{"$f":"B167 & \":\" & C167","v":"Adult-1,Dependents-5:0-21000"},"Adult-1,Dependents-5","0-21000",{"$f":"(612+93+93)*52.2/12","v":3471.3000000000006}]
["Adult-1,Dependents-5:21000-32000","Adult-1,Dependents-5","21000-32000",{"$f":"(612+93+93)*52.2/12","v":3471.3000000000006}]
["Adult-1,Dependents-5:32001-43000","Adult-1,Dependents-5","32001-43000",{"$f":"(612+93+93)*52.2/12","v":3471.3000000000006}]
["Adult-1,Dependents-5:43001-53000","Adult-1,Dependents-5","43001-53000",{"$f":"(612+93+93)*52.2/12","v":3471.3000000000006}]
["Adult-1,Dependents-5:53001-64000","Adult-1,Dependents-5","53001-64000",{"$f":"(612+93+93)*52.2/12","v":3471.3000000000006}]
["Adult-1,Dependents-5:64001-85000","Adult-1,Dependents-5","64001-85000",{"$f":"(659+93+93)*52.2/12","v":3675.75}]
["Adult-1,Dependents-5:85001-107000","Adult-1,Dependents-5","85001-107000",{"$f":"(733+93+93)*52.2/12","v":3997.65}]
["Adult-1,Dependents-5:107001-128000","Adult-1,Dependents-5","107001-128000",{"$f":"(787+94+94)*52.2/12","v":4241.25}]
["Adult-1,Dependents-5:128001-150000","Adult-1,Dependents-5","128001-150000",{"$f":"(878+94+94)*52.2/12","v":4637.1000000000004}]
["Adult-1,Dependents-5:150001-171000","Adult-1,Dependents-5","150001-171000",{"$f":"(912+94+94)*52.2/12","v":4785}]
["Adult-1,Dependents-5:171001-214000","Adult-1,Dependents-5","171001-214000",{"$f":"(951+94+94)*52.2/12","v":4954.6500000000005}]
["Adult-1,Dependents-5:214001-267000","Adult-1,Dependents-5","214001-267000",{"$f":"(1056+95+95)*52.2/12","v":5420.1}]
["Adult-1,Dependents-5:267001-321000","Adult-1,Dependents-5","267001-321000",{"$f":"(1188+95+95)*52.2/12","v":5994.3}]
["Adult-1,Dependents-5:321000+","Adult-1,Dependents-5","321000+",{"$f":"(1220+95+95)*52.2/12","v":6133.5}]
[]
[{"$f":"B182 & \":\" & C182","v":"Adult-1,Dependents-6:0-21000"},"Adult-1,Dependents-6","0-21000",{"$f":"(659+93+93)*52.2/12","v":3675.75}]
["Adult-1,Dependents-6:21000-32000","Adult-1,Dependents-6","21000-32000",3675.75]
["Adult-1,Dependents-6:32001-43000","Adult-1,Dependents-6","32001-43000",3675.75]
["Adult-1,Dependents-6:43001-53000","Adult-1,Dependents-6","43001-53000",3675.75]
["Adult-1,Dependents-6:53001-64000","Adult-1,Dependents-6","53001-64000",3675.75]
["Adult-1,Dependents-6:64001-85000","Adult-1,Dependents-6","64001-85000",3675.75]
["Adult-1,Dependents-6:85001-107000","Adult-1,Dependents-6","85001-107000",{"$f":"(733+93+93+93)*52.2/12","v":4402.2}]
["Adult-1,Dependents-6:107001-128000","Adult-1,Dependents-6","107001-128000",{"$f":"(787+94+94+94)*52.2/12","v":4650.1500000000005}]
["Adult-1,Dependents-6:128001-150000","Adult-1,Dependents-6","128001-150000",{"$f":"(878+94+94+94)*52.2/12","v":5046}]
["Adult-1,Dependents-6:150001-171000","Adult-1,Dependents-6","150001-171000",{"$f":"(912+94+94+94)*52.2/12","v":5193.9000000000005}]
["Adult-1,Dependents-6:171001-214000","Adult-1,Dependents-6","171001-214000",{"$f":"(951+94+94+94)*52.2/12","v":5363.55}]
["Adult-1,Dependents-6:214001-267000","Adult-1,Dependents-6","214001-267000",{"$f":"(1056+95+95+95)*52.2/12","v":5833.3499999999995}]
["Adult-1,Dependents-6:267001-321000","Adult-1,Dependents-6","267001-321000",{"$f":"(1188+95+95+95)*52.2/12","v":6407.55}]
["Adult-1,Dependents-6:321000+","Adult-1,Dependents-6","321000+",{"$f":"(1220+95+95+95)*52.2/12","v":6546.75}]
[]
[{"$f":"B197 & \":\" & C197","v":"Adult-2,Dependents-0:0-21000"},"Adult-2,Dependents-0","0-21000",{"$f":"487*52.2/12","v":2118.4500000000003}]
[{"$f":"B198 & \":\" & C198","v":"Adult-2,Dependents-0:21000-32000"},"Adult-2,Dependents-0","21000-32000",{"$f":"487*52.2/12","v":2118.4500000000003}]
["Adult-2,Dependents-0:32001-43000","Adult-2,Dependents-0","32001-43000",{"$f":"502*52.2/12","v":2183.7000000000003}]
["Adult-2,Dependents-0:43001-53000","Adult-2,Dependents-0","43001-53000",{"$f":"523*52.2/12","v":2275.0500000000002}]
["Adult-2,Dependents-0:53001-64000","Adult-2,Dependents-0","53001-64000",{"$f":"561*52.2/12","v":2440.35}]
["Adult-2,Dependents-0:64001-85000","Adult-2,Dependents-0","64001-85000",{"$f":"608*52.2/12","v":2644.8}]
["Adult-2,Dependents-0:85001-107000","Adult-2,Dependents-0","85001-107000",{"$f":"682*52.2/12","v":2966.7000000000003}]
["Adult-2,Dependents-0:107001-128000","Adult-2,Dependents-0","107001-128000",{"$f":"735*52.2/12","v":3197.25}]
["Adult-2,Dependents-0:128001-150000","Adult-2,Dependents-0","128001-150000",{"$f":"826*52.2/12","v":3593.1000000000004}]
["Adult-2,Dependents-0:150001-171000","Adult-2,Dependents-0","150001-171000",{"$f":"860*52.2/12","v":3741}]
["Adult-2,Dependents-0:171001-214000","Adult-2,Dependents-0","171001-214000",{"$f":"899*52.2/12","v":3910.65}]
["Adult-2,Dependents-0:214001-267000","Adult-2,Dependents-0","214001-267000",{"$f":"1004*52.2/12","v":4367.4000000000005}]
["Adult-2,Dependents-0:267001-321000","Adult-2,Dependents-0","267001-321000",{"$f":"1135*52.2/12","v":4937.25}]
["Adult-2,Dependents-0:321000+","Adult-2,Dependents-0","321000+",{"$f":"1167*52.2/12","v":5076.45}]
[]
[{"$f":"B212 & \":\" & C212","v":"Adult-2,Dependents-1:0-21000"},"Adult-2,Dependents-1","0-21000",{"$f":"578*52.2/12","v":2514.3000000000002}]
["Adult-2,Dependents-1:21000-32000","Adult-2,Dependents-1","21000-32000",{"$f":"578*52.2/12","v":2514.3000000000002}]
["Adult-2,Dependents-1:32001-43000","Adult-2,Dependents-1","32001-43000",{"$f":"578*52.2/12","v":2514.3000000000002}]
["Adult-2,Dependents-1:43001-53000","Adult-2,Dependents-1","43001-53000",{"$f":"599*52.2/12","v":2605.65}]
["Adult-2,Dependents-1:53001-64000","Adult-2,Dependents-1","53001-64000",{"$f":"637*52.2/12","v":2770.9500000000003}]
["Adult-2,Dependents-1:64001-85000","Adult-2,Dependents-1","64001-85000",{"$f":"684*52.2/12","v":2975.4}]
["Adult-2,Dependents-1:85001-107000","Adult-2,Dependents-1","85001-107000",{"$f":"757*52.2/12","v":3292.9500000000003}]
["Adult-2,Dependents-1:107001-128000","Adult-2,Dependents-1","107001-128000",{"$f":"811*52.2/12","v":3527.8500000000004}]
["Adult-2,Dependents-1:128001-150000","Adult-2,Dependents-1","128001-150000",{"$f":"901*52.2/12","v":3919.3500000000004}]
["Adult-2,Dependents-1:150001-171000","Adult-2,Dependents-1","150001-171000",{"$f":"935*52.2/12","v":4067.25}]
["Adult-2,Dependents-1:171001-214000","Adult-2,Dependents-1","171001-214000",{"$f":"974*52.2/12","v":4236.9000000000005}]
["Adult-2,Dependents-1:214001-267000","Adult-2,Dependents-1","214001-267000",{"$f":"1079*52.2/12","v":4693.6500000000005}]
["Adult-2,Dependents-1:267001-321000","Adult-2,Dependents-1","267001-321000",{"$f":"1210*52.2/12","v":5263.5}]
["Adult-2,Dependents-1:321000+","Adult-2,Dependents-1","321000+",{"$f":"1241*52.2/12","v":5398.35}]
[]
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["Adult-2,Dependents-2:21000-32000","Adult-2,Dependents-2","21000-32000",{"$f":"636*52.2/12","v":2766.6000000000004}]
["Adult-2,Dependents-2:32001-43000","Adult-2,Dependents-2","32001-43000",{"$f":"636*52.2/12","v":2766.6000000000004}]
["Adult-2,Dependents-2:43001-53000","Adult-2,Dependents-2","43001-53000",{"$f":"657*52.2/12","v":2857.9500000000003}]
["Adult-2,Dependents-2:53001-64000","Adult-2,Dependents-2","53001-64000",{"$f":"694*52.2/12","v":3018.9}]
["Adult-2,Dependents-2:64001-85000","Adult-2,Dependents-2","64001-85000",{"$f":"741*52.2/12","v":3223.3500000000004}]
["Adult-2,Dependents-2:85001-107000","Adult-2,Dependents-2","85001-107000",{"$f":"815*52.2/12","v":3545.25}]
["Adult-2,Dependents-2:107001-128000","Adult-2,Dependents-2","107001-128000",{"$f":"868*52.2/12","v":3775.8000000000006}]
["Adult-2,Dependents-2:128001-150000","Adult-2,Dependents-2","128001-150000",{"$f":"959*52.2/12","v":4171.6500000000005}]
["Adult-2,Dependents-2:150001-171000","Adult-2,Dependents-2","150001-171000",{"$f":"993*52.2/12","v":4319.55}]
["Adult-2,Dependents-2:171001-214000","Adult-2,Dependents-2","171001-214000",{"$f":"1032*52.2/12","v":4489.2}]
["Adult-2,Dependents-2:214001-267000","Adult-2,Dependents-2","214001-267000",{"$f":"1136*52.2/12","v":4941.6000000000004}]
["Adult-2,Dependents-2:267001-321000","Adult-2,Dependents-2","267001-321000",{"$f":"1268*52.2/12","v":5515.8}]
["Adult-2,Dependents-2:321000+","Adult-2,Dependents-2","321000+",{"$f":"1299*52.2/12","v":5650.6500000000005}]
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["Adult-2,Dependents-3:21000-32000","Adult-2,Dependents-3","21000-32000",{"$f":"720*52.2/12","v":3132}]
["Adult-2,Dependents-3:32001-43000","Adult-2,Dependents-3","32001-43000",{"$f":"720*52.2/12","v":3132}]
["Adult-2,Dependents-3:43001-53000","Adult-2,Dependents-3","43001-53000",{"$f":"720*52.2/12","v":3132}]
["Adult-2,Dependents-3:53001-64000","Adult-2,Dependents-3","53001-64000",{"$f":"757*52.2/12","v":3292.9500000000003}]
["Adult-2,Dependents-3:64001-85000","Adult-2,Dependents-3","64001-85000",{"$f":"804*52.2/12","v":3497.4}]
["Adult-2,Dependents-3:85001-107000","Adult-2,Dependents-3","85001-107000",{"$f":"878*52.2/12","v":3819.3000000000006}]
["Adult-2,Dependents-3:107001-128000","Adult-2,Dependents-3","107001-128000",{"$f":"931*52.2/12","v":4049.8500000000004}]
["Adult-2,Dependents-3:128001-150000","Adult-2,Dependents-3","128001-150000",{"$f":"1022*52.2/12","v":4445.7}]
["Adult-2,Dependents-3:150001-171000","Adult-2,Dependents-3","150001-171000",{"$f":"1056*52.2/12","v":4593.6000000000004}]
["Adult-2,Dependents-3:171001-214000","Adult-2,Dependents-3","171001-214000",{"$f":"1095*52.2/12","v":4763.25}]
["Adult-2,Dependents-3:214001-267000","Adult-2,Dependents-3","214001-267000",{"$f":"1199*52.2/12","v":5215.6500000000005}]
["Adult-2,Dependents-3:267001-321000","Adult-2,Dependents-3","267001-321000",{"$f":"1330*52.2/12","v":5785.5}]
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[]
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["Adult-2,Dependents-4:32001-43000","Adult-2,Dependents-4","32001-43000",{"$f":"(757+63)*52.2/12","v":3567}]
["Adult-2,Dependents-4:43001-53000","Adult-2,Dependents-4","43001-53000",{"$f":"(757+63)*52.2/12","v":3567}]
["Adult-2,Dependents-4:53001-64000","Adult-2,Dependents-4","53001-64000",{"$f":"(757+63)*52.2/12","v":3567}]
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["Adult-2,Dependents-4:85001-107000","Adult-2,Dependents-4","85001-107000",{"$f":"(878+63)*52.2/12","v":4093.3500000000004}]
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[]
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["Adult-2,Dependents-5:214001-267000","Adult-2,Dependents-5","214001-267000",{"$f":"(1199+63+63)*52.2/12","v":5763.75}]
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[]
[{"$f":"B288 & \":\" & C288","v":"Adult-2,Dependents-6:0-21000"},"Adult-2,Dependents-6","0-21000",{"$f":"(804+63+63)*52.2/12","v":4045.5}]
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[" "]
[null,"Household 1","Household 2"]
["Household Key",{"$f":"B88","v":"Adult-0,Dependents-0"},{"$f":"C88","v":"Adult-0,Dependents-0"}]
["Salary Key",{"$f":"IF(B80<=0,\"0-23000\",IF(B80<=23000,\"0-23000\",IF(B80<=34000,\"23000-34000\",IF(B80<=46000,\"34001-46000\",IF(B80<=57000,\"46001-57000\",IF(B80<=69000,\"57001-69000\",IF(B80<=92000,\"69001-92000\",IF(B80<=115000,\"92001-115000\",IF(B80<=138000,\"115001-138000\",IF(B80<=161000,\"138001-161000\",IF(B80<=184000,\"161001-184000\",IF(B80<=229000,\"184001-229000\",IF(B80<=287000,\"229001-287000\",IF(B80<=344000,\"287001-344000\",IF(B80>344000,\"344000-574000\",FALSE)))))))))))))))","v":"0-23000"},{"$f":"IF(C80<=0,\"0-23000\",IF(C80<=23000,\"0-23000\",IF(C80<=34000,\"23000-34000\",IF(C80<=46000,\"34001-46000\",IF(C80<=57000,\"46001-57000\",IF(C80<=69000,\"57001-69000\",IF(C80<=92000,\"69001-92000\",IF(C80<=115000,\"92001-115000\",IF(C80<=138000,\"115001-138000\",IF(C80<=161000,\"138001-161000\",IF(C80<=184000,\"161001-184000\",IF(C80<=229000,\"184001-229000\",IF(C80<=287000,\"229001-287000\",IF(C80<=344000,\"287001-344000\",IF(C80>344000,\"344000-574000\",FALSE)))))))))))))))","v":"0-23000"}]
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[]
[]
["monthly expense",{"$f":"MAX(SUM(B307:C307),Serviceability!G38)","v":0}]
[]
["avaiable Income",{"$f":"Serviceability!L32-Tables!B311","v":0}]
[]
[]
[]
[]
[]
[]
[]
["RedZed Loan Applied For Loan1",{"$f":"IF(Serviceability!H55=0,0,IF(Serviceability!J55=0,0,-PMT((Serviceability!J55)/12,(Serviceability!H55-Serviceability!I55)*12,Serviceability!G55)))","v":0}]
["RedZed Loan Applied For Loan2",{"$f":"IF(Serviceability!H56=0,0,IF(Serviceability!J56=0,0,-PMT((Serviceability!J56)/12,(Serviceability!H56-Serviceability!I56)*12,Serviceability!G56)))","v":0}]

{"sheet":"HEM","index":2,"n_rows":46,"n_cols":15,"rows_kept":46,"cut":false,"hidden":true,"merged":[[18,3,18,4]]}
["Income Range ($)","Single Adult","Single Adult +1","Single Adult +2","Single Adult +3","Single Adult +4","Single Adult +5","Single Adult +6","Couple","Couple +1","Couple +2","Couple +3","Couple +4","Couple +5","Couple +6"]
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["23,001 - 34,000",1204.9654499764481,1611.7175919915917,2050.2008055077345,2623.6634955772988,2973.608268818597,3634.3037253191351,4293.5862337337994,2248.7389380243421,2651.9868291604157,2944.7970084478061,3285.4778576361859,3819.3701180140611,4138.4827082735283,4457.595298532995]
["34,001 - 46,000",1264.4432284896761,1670.7438712326432,2109.4426587720418,2623.6634955772988,2973.608268818597,3634.3037253191351,4293.5862337337994,2308.4616302262525,2651.9868291604157,2944.7970084478061,3285.4778576361859,3819.3701180140611,4138.4827082735283,4457.595298532995]
["46,001 - 57,000",1350.5065669132434,1756.1536566318066,2195.1644236723591,2712.1377924992494,3059.644024637852,3634.3037253191351,4293.5862337337994,2394.879159355623,2738.0782451615191,3031.0727677273803,3285.4778576361859,3819.3701180140611,4138.4827082735283,4457.595298532995]
["57,001 - 69,000",1497.9401503130018,1902.4679370709298,2342.0131178294791,2863.7017737755414,3207.0310103179081,3634.3037253191351,4293.5862337337994,2542.9197569761932,2885.5601831804192,3178.8705015042374,3433.0856739066517,3819.3701180140611,4138.4827082735283,4457.595298532995]
["69,001 - 92,000",1730.0608231939257,2132.8261442858015,2573.2127096694153,3102.3251460148745,3439.0777635538416,3866.331998643821,4293.5862337337994,2775.995889808501,3117.7567187555301,3411.5644271607266,3665.4808026752439,4050.715981246798,4369.3960041063729,4688.0760269659468]
["92,001 - 115,000",2056.2118763305302,2456.500864692955,2898.0696537818362,3437.6131925142727,3765.1251863074085,4192.3535138016277,4619.581841295847,3103.4895486635069,3444.0143584622529,3738.5206661671614,3992.0172606326082,4375.7779120505384,4693.8500028972958,5011.9220937440541]
["115,001 - 138,000",2347.8339691520782,2745.9087539259326,3188.5344090506655,3737.4045184795673,4056.6542195951597,4483.85928220593,4911.0643448167002,3396.3118730602218,3735.7320590949935,4030.862609125466,4283.984261845847,4666.4270068325804,4983.9557902756696,5301.4845737187588]
["138,001 - 161,000",2707.8408575255512,3103.1822124126843,3547.1130482742115,4107.4973031850959,4416.5469892784113,4843.7235222166255,5270.9000551548406,3757.8009305511059,4095.8567297847053,4391.7587952243211,4644.4166933922379,5025.2320227963291,5342.0897958576352,5658.9475689189412]
["161,001 - 184,000",2838.7015221859906,3233.0491315470786,3677.4543070485302,4242.0237980769225,4547.365647193993,4974.5316784459937,5401.6977096979936,3889.2001095109281,4226.7600487293876,4522.9424109523288,4775.431881700114,5155.6556837361131,5472.2695772924089,5788.8834708487047]
["184,001 - 229,000",3053.8888140934091,3446.6027252919098,3891.7878273231836,4463.2394503079931,4762.4847650510746,5189.6337527904907,5616.7827405299076,4105.2732766146864,4442.0178222762052,4738.6607866388749,4990.8736135318959,5370.1244939204853,5686.3372982469355,6002.5501025733847]
["229,001 - 287,000",3586.1384805759535,3974.811250337716,4421.9257160778407,5010.4000600961544,5294.5654770463179,5721.6722261639088,6148.7789752814997,4639.7138119564379,4974.4415437075249,5272.2248792265036,5523.7525804643237,5900.5976184747697,6215.8185701043521,6531.0395217339355]
["287,001 - 344,000",4138.7278802516548,4523.2048381780633,4972.3223145287966,5578.4698016826924,5846.9787454187554,6274.0414617105307,6701.1041780023052,5194.5778866151277,5527.2118912971928,5826.1783685618066,6076.9950047600969,6451.342266664542,6765.5333616768958,7079.7244566892496]
["344,001 - 574,000",4208.8776772260599,4592.8220077006335,5042.1937611478297,5650.5848088191115,5917.1062322924718,6344.163371059075,6771.2205098256782,5265.0164477032367,5597.3844799730732,5896.5016923000467,6147.2277217233895,6521.2578866920712,6835.3182464392794,7149.3786061864885]
[]
[]
[]
["Income Range lookup","Row Offset Value",null,"Dependents/Household Number",null,1,2,3,4,5,6,7]
[23001,1,null,0,null,0,7,13,13,13,13,13]
[34001,2,null,1,null,1,8,13,13,13,13,13]
[46001,3,null,2,null,2,9,13,13,13,13,13]
[57001,4,null,3,null,3,10,13,13,13,13,13]
[69001,5,null,4,null,4,11,13,13,13,13,13]
[92001,6,null,5,null,5,12,13,13,13,13,13]
[115001,7,null,6,null,6,13,13,13,13,13,13]
[138001,8,null,7,null,13,13,13,13,13,13,13]
[161001,9,null,8,null,13,13,13,13,13,13,13]
[184001,10,null,9,null,13,13,13,13,13,13,13]
[229001,11,null,10,null,13,13,13,13,13,13,13]
[287001,12,null,11,null,13,13,13,13,13,13,13]
[344001,13,null,12,null,13,13,13,13,13,13,13]
[]
[]
[]
[]
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[]
[null,null,null,"Household 1",null,null,null,"Household 2"]
[null,null,null,"Gross Income",null,{"$f":"Tables!B80","v":0},null,"Gross Income",null,{"$f":"Tables!C80","v":0}]
[null,null,null,"Single/Couple",null,{"$f":"Tables!B86","v":0},null,"Single/Couple",null,{"$f":"Tables!C86","v":0}]
[null,null,null,"Dependents",null,{"$f":"Tables!B87","v":0},null,"Dependents",null,{"$f":"Tables!C87","v":0}]
[null,null,null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(F40,HEM!$A$20:$B$32,2,TRUE),0)","v":0},null,"HEM Row Offset Value",null,{"$f":"IFERROR(VLOOKUP(J40,HEM!$A$20:$B$32,2,TRUE),0)","v":0}]
[null,null,null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,F42,F41)","v":0},null,"HEM Column Offset Value",null,{"$f":"OFFSET($E$20,J42,J41)","v":0}]
[null,null,null,"HEM Starting Value",null,{"$f":"OFFSET(B2,0,0)","v":1130.9647922804736},null,"HEM Starting Value",null,{"$f":"OFFSET(F2,0,0)","v":2973.608268818597}]
[null,null,null,"HEM Min Living Expense",null,{"$f":"IF(F40=0, 0, OFFSET($B$2,F43,F44))","v":0},null,"HEM Min Living Expense",null,{"$f":"IF(J40=0,0,OFFSET($B$2,J43,J44))","v":0}]

{"sheet":"Serviceability Calc","index":3,"n_rows":19,"n_cols":4,"rows_kept":19,"cut":false,"hidden":true,"merged":[[0,0,0,1]]}
["Serviceability Cell Calculation"]
[]
[null,{"$f":"Serviceability!D49&\" (After Tax Rates Applied)\"","v":"Available Income (After Tax Rates Applied)"},{"$f":"Serviceability!L49","v":0}]
[null,"Divided by"]
[null,{"$f":"Serviceability!D71","v":"Total Monthly Commitments"},{"$f":"SUM(Serviceability!L55:L70)","v":0}]
["Less",{"$f":"Serviceability!$D$53&\" - \"&Serviceability!E55","v":"RedZed Loan Applied For - Loan 1"},{"$f":"-Serviceability!L55","v":0}]
["Less",{"$f":"Serviceability!$D$53&\" - \"&Serviceability!E56","v":"RedZed Loan Applied For - Loan 2"},{"$f":"-Serviceability!L56","v":0}]
["Plus",{"$f":"Serviceability!$D$53&\" - \"&Tables!A37","v":"RedZed Loan Applied For - Buffered Loan 1"},{"$f":"Tables!B37","v":0}]
["Plus",{"$f":"Serviceability!$D$53&\" - \"&Tables!A38","v":"RedZed Loan Applied For - Buffered Loan 2"},{"$f":"Tables!B38","v":0}]
["Less",{"$f":"Serviceability!$D$59&\": \"&Serviceability!E59","v":"Existing Loans: Loan 1 - Existing Secured"},null,"Does not apply to Commercial Loans"]
["Less",{"$f":"Serviceability!$D$59&\": \"&Serviceability!E60","v":"Existing Loans: Loan 2 - Existing Secured"},null,"Does not apply to Commercial Loans"]
["Plus",{"$f":"Serviceability!$D$59&\": \"&Tables!A42","v":"Existing Loans: Buffered Loan 1"},null,"Does not apply to Commercial Loans"]
["Plus",{"$f":"Serviceability!$D$59&\": \"&Tables!A43","v":"Existing Loans: Buffered Loan 2"},null,"Does not apply to Commercial Loans"]
["Plus",{"$f":"Tables!A47","v":"Fees - Loan 1"},{"$f":"Tables!C47","v":0}]
["Plus",{"$f":"Tables!A48","v":"Fees - Loan 2"},{"$f":"Tables!C48","v":0}]
[]
[null,"Total Monthly Commitments (After Repayment Buffering & Fees)",{"$f":"SUM(C5:C16)","v":0}]
[]
[null,{"$f":"Serviceability!I74&\" - Calculated as:\"","v":"Fail - Calculated as:"},{"$f":"ROUNDUP(C3/C17,2)","v":{"$error":"#DIV/0!"}}]

{"sheet":"Tax Calc","index":4,"n_rows":51,"n_cols":11,"rows_kept":51,"cut":false,"hidden":true,"merged":[]}
["Tax Calc"]
[]
["Annual Gross",null,null,"Gross","Tax","Medicare","Income offset","Net","Net Monthly"]
[]
["Applicant / G'Tor 1","Salary / Self Employed",null,{"$f":"Serviceability!G18","v":0},{"$f":"IF(D5<Tables!$A$6,0,IF(AND(D5>=Tables!$A$6,D5<Tables!$A$7),(D5-Tables!$A$6)*Tables!$C$6,IF(AND(D5>=Tables!$A$7,D5<Tables!$A$8),Tables!$D$7+(D5-Tables!$A$7)*Tables!$C$7,IF(AND(D5>=Tables!$A$8,D5<Tables!$A$9),Tables!$D$8+(D5-Tables!$A$8)*Tables!$C$8,IF(D5>=Tables!$A$9,Tables!$D$9+(D5-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D5*Tables!C$16","v":0},{"$f":"IFERROR(((D5-VLOOKUP(D5,$A$29:$D$33,1,TRUE))*VLOOKUP(D5,$A$29:$D$33,3,TRUE)+VLOOKUP(D5,$A$29:$D$33,4,TRUE)),0)+IFERROR((IF(D5>66667,66667-45001,(D5-VLOOKUP(D5,$A$41:$D$43,1,TRUE)))*VLOOKUP(D5,$A$41:$D$43,3,TRUE)+VLOOKUP(D5,$A$41:$D$43,4,TRUE)),0)","v":0},{"$f":"D5-E5-F5+G5","v":0},{"$f":"H5/12","v":0}]
["Applicant / G'Tor 2","Salary / Self Employed",null,{"$f":"Serviceability!G19","v":0},{"$f":"IF(D6<Tables!$A$6,0,IF(AND(D6>=Tables!$A$6,D6<Tables!$A$7),(D6-Tables!$A$6)*Tables!$C$6,IF(AND(D6>=Tables!$A$7,D6<Tables!$A$8),Tables!$D$7+(D6-Tables!$A$7)*Tables!$C$7,IF(AND(D6>=Tables!$A$8,D6<Tables!$A$9),Tables!$D$8+(D6-Tables!$A$8)*Tables!$C$8,IF(D6>=Tables!$A$9,Tables!$D$9+(D6-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D6*Tables!C$16","v":0},{"$f":"IFERROR(((D6-VLOOKUP(D6,$A$29:$D$33,1,TRUE))*VLOOKUP(D6,$A$29:$D$33,3,TRUE)+VLOOKUP(D6,$A$29:$D$33,4,TRUE)),0)+IFERROR((IF(D6>66667,66667-45001,(D6-VLOOKUP(D6,$A$41:$D$43,1,TRUE)))*VLOOKUP(D6,$A$41:$D$43,3,TRUE)+VLOOKUP(D6,$A$41:$D$43,4,TRUE)),0)","v":0},{"$f":"D6-E6-F6+G6","v":0},{"$f":"H6/12","v":0}]
["Applicant / G'Tor 3","Salary / Self Employed",null,{"$f":"Serviceability!G20","v":0},{"$f":"IF(D7<Tables!$A$6,0,IF(AND(D7>=Tables!$A$6,D7<Tables!$A$7),(D7-Tables!$A$6)*Tables!$C$6,IF(AND(D7>=Tables!$A$7,D7<Tables!$A$8),Tables!$D$7+(D7-Tables!$A$7)*Tables!$C$7,IF(AND(D7>=Tables!$A$8,D7<Tables!$A$9),Tables!$D$8+(D7-Tables!$A$8)*Tables!$C$8,IF(D7>=Tables!$A$9,Tables!$D$9+(D7-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D7*Tables!C$16","v":0},0,0,{"$f":"H7/12","v":0}]
["Applicant / G'Tor 4","Salary / Self Employed",null,{"$f":"Serviceability!G21","v":0},{"$f":"IF(D8<Tables!$A$6,0,IF(AND(D8>=Tables!$A$6,D8<Tables!$A$7),(D8-Tables!$A$6)*Tables!$C$6,IF(AND(D8>=Tables!$A$7,D8<Tables!$A$8),Tables!$D$7+(D8-Tables!$A$7)*Tables!$C$7,IF(AND(D8>=Tables!$A$8,D8<Tables!$A$9),Tables!$D$8+(D8-Tables!$A$8)*Tables!$C$8,IF(D8>=Tables!$A$9,Tables!$D$9+(D8-Tables!$A$9)*Tables!$C$9)))))","v":0},{"$f":"D8*Tables!C$16","v":0},0,0,{"$f":"H8/12","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Test lower and middle income offset",null,null,"Formula","( income - income lower range ) *offset rate + baseline"]
[]
["income","offset baseline","Income lower range","Income - Lower range","offset reduced %","offset reduced amount","offset amount"]
[36000,{"$f":"VLOOKUP(A22,A29:D33,4,TRUE)","v":255},{"$f":"VLOOKUP(A22,A29:D33,1,TRUE)","v":1},{"$f":" A22-C22","v":35999},{"$f":"VLOOKUP(A22,A29:D33,3,TRUE)","v":0},{"$f":"+D22*E22","v":0},{"$f":"SUM(B22,F22)","v":255}]
[]
[]
[]
["Lower and Middle income offset"]
[]
["Wages Over","Not to Exceed","Tax Rate"]
[1,37000,null,255]
[{"$f":"B29+1","v":37001},48000,7.4999999999999997E-2,255]
[{"$f":"B30+1","v":48001},90000,0,1080]
[{"$f":"B31+1","v":90001},126000,-0.03,1080]
[{"$f":"B32+1","v":126001},null,0,0]
[]
[]
[]
[]
["Low Income offset"]
[]
["Wages Over","Not to Exceed","Tax Rate"]
[1,37500,null,700,null,null,null,null,null,null,{"$f":"I41*52","v":0}]
[{"$f":"B41+1","v":37501},45000,-0.05,700]
[{"$f":"B42+1","v":45001},66667,-1.4999999999999999E-2,325]
[]
[]
[]
[]
["Test low income"]
[]
["income","offset baseline","Income lower range","Income - Lower range","offset reduced %","offset reduced amount","offset amount"]
[36000,{"$f":"VLOOKUP(A51,A41:D43,4,TRUE)","v":700},{"$f":"VLOOKUP(A51,A41:D43,1,TRUE)","v":1},{"$f":"IF(A51>66667, 66667-45001, A51-C51)","v":35999},{"$f":"VLOOKUP(A51,A41:D43,3,TRUE)","v":0},{"$f":"+D51*E51","v":0},{"$f":"SUM(B51,F51)","v":700}]

{"sheet":"User Problems","index":5,"n_rows":34,"n_cols":17,"rows_kept":34,"cut":false,"hidden":true,"merged":[]}
["#","Date","Submitted By","Sheet Name (if applicable)","Problem","Initial Review Assessment","Review Assessment Result Date","Review With User","Review Result or Action to Take","Sheets Affected","Development Version #","Type","Estimate (hrs)","Actual","Status","Date Unit Tested","Release Version #"]
[1,"2017-04-06","Bill Slattery",null,"1) Create Commercial Serviceability Calaculator based on the existing Residential Calculator (K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\02 Residential Calculator\\2017 05 Changes\\4. REDZED-Serviceability-170410-V6.4.xls) and including the interest stress test amendments specified in April.\n2) Changed the heading from \"RedZed Lending Solutions Pty Ltd (ACL 311128) Serviceability Calculator\" to \"RedZed Lending Solutions Pty Ltd (ACL 311128) Commercial Serviceability Calculator\"\n3) Changed the order in the Income Table section ie Company Income first.\n4) Deleted references to Applicants in the Personal Income section",null,null,null,null,null,{"$f":"'Version Control'!C2","v":"V0.1 Test"},"Enhancement",null,null,"Completed","2017-04-10"]
[2,"2017-04-24","Bill Slattery","Serviceability Calc","Add Serviceabilty Calculation Sheet as per Consolidated User Problem #131.","Name as \"Serviceability Calc\"",null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01"]
[3,"2017-04-24","Mario Lorenzi",null,"Add two macros:\n-Ctl/Shift/B to unhide the calculation sheets\n-Ctl/Shift/H to hide the calculation sheets\n",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01"]
[4,"2017-04-24","Mario Lorenzi","Tables","Change Company Tax Rate to 28.5%","Set up a  a new Company Tax Table on Tables sheet. Change Company Income Calculation (Cell K18) to reference the new Company Tax Table.",null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Data Maintenance",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[5,"2017-04-24","Mario Lorenzi","Tables","There is no minimum interest rate for Commercial Loans.","Set Minimum Rate (Cell B34) to Zero%",null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Data Maintenance",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[6,"2017-04-24","Mario Lorenzi","Serviceability","Add Interest Only Term cells for RedZed Loans 1 and 2 on Serviceability sheet.\nChange the Rate buffering calculation to use the net term (Total Term less Interest Only Term)",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[7,"2017-04-24","Mario Lorenzi","Serviceability","Add Source of Other Incomes cell for each of the Other Regular Monthly Income lines on the Serviceability sheets.",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[8,"2017-04-24","Mario Lorenzi","Serviceability","Change Company Income heading to display \"Company Income (if applicable)\"",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[9,"2017-04-24","Mario Lorenzi","Serviceability","Swap columns displaying Existing & New v Rental Income/Rental Income ",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[10,"2017-04-24","Mario Lorenzi","Serviceability","Check Monthly Service Fee calculation - to assume entry of Commercial Loans only - calculated at 1% of Loan Amount divided by 12",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[11,"2017-04-24","Mario Lorenzi","Serviceability","Change Personal Income descriptors from \"Guarantor 1, 2, 3, and 4\" to \"Applicant / Guarantor 1, 2, 3, and 4\"",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[12,"2017-04-24","Mario Lorenzi","Serviceability","Add New Serviceability Calculation qualification wording i.e. \"If Commercial Loan LVR is greater than 70%, serviceability needs to be greater than 1.25% - in this case please call RedZed on 1300 722 462 to discuss your options.\" It now displays on the line under \"Must Be > 1.1",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[13,"2017-04-24","Mario Lorenzi","Tables","Tables Sheet - Highlight in yellow those data cells that can be changed to reflect legislation or company policy changes.",null,null,null,null,null,{"$f":"'Version Control'!$C$3","v":"V0.2 Test"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[14,"2017-06-08","Mario Lorenzi","Tax Calc","Tax Calc Sheet - delete Other Income Cells A10 to I13",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V0.4 PENDING"},"Enhancement",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[15,"2017-06-08","Mario Lorenzi","Tax Calc","Tax Calc Sheet - delete \"Correct Formula For Serviceability - Don’t Think Arm Can Do This\" Cells L1 to R25",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V0.4 PENDING"},"Enhancement",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[16,"2017-06-08","Mario Lorenzi","Serviceability","Fix formatting of Financier Cells for Existing Loans",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V0.4 PENDING"},"Bug",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[17,"2017-06-08","Mario Lorenzi","Serviceability Calc","Existing Loans Secured 1 & 2 are not buffered for commercial loans","Delete buffering from Serviceability Calc by blanking calculation cells. Leave structure the same as for Residential Calculator. Add note that buffering does not apply.",null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V0.4 PENDING"},"Bug",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[18,"2017-06-19","Trevor Smith","User Problems\nVersion Control","Add Sheets for User Problems and Version Control.",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V0.4 PENDING"},"Enhancement",null,null,"Completed","2017-06-20",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[19,"2017-06-19","Angelo Klidomitis","Serviceability","Change Look & Feel as per 4.0 ServiceabilityCalculator.xlsx",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V0.4 PENDING"},"Enhancement",null,null,"Completed","2017-06-20",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[20,"2017-06-20","Angelo Klidomitis","Serviceability","Wording to the left of the wording \"Must Be > 1.1.\" \nI’d have the wording in bold red , non italicised and increased to 12 font so it stands out more.",null,null,null,null,null,{"$f":"'Version Control'!C5","v":"v0.5 PENDING"},"Enhancement",null,null,"Completed","2017-06-21",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[21,"2017-05-22","Mario Lorenzi & Bill Slattery","Serviceability","Increase readability of printed version of the sheet",null,null,null,null,null,{"$f":"'Version Control'!C6","v":"v0.6 PENDING"},"Enhancement",null,null,"Completed","2017-06-26",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[22,"2017-06-29","Mario Lorenzi","Serviceability","1) Borders missing for  Enter Source of Income, Rental Income, Maintenance, & Other Fixed Monthly Repayments.\n2) Enter a zero in each dollar entry cell so the user is aware it is available for entry.",null,null,null,null,null,{"$f":"'Version Control'!C7","v":"v0.7 PENDING"},"Enhancement & Bug",null,null,"Completed","2017-06-29",{"$f":"'Version Control'!$C$8","v":"v1.0"}]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[31]
[32]
[33]

{"sheet":"Version Control","index":6,"n_rows":32,"n_cols":10,"rows_kept":32,"cut":false,"hidden":true,"merged":[]}
["Name","Date","Version #","Development Version File Name","Changes","Released Version",null,"Current Version",{"$f":"VLOOKUP($J$1,B2:$I$3983,8,FALSE)","v":"v10.16 220616"},{"$f":"MAX(B2:B3983)","v":"2022-06-16"}]
["Trevor Smith","2017-04-10","V0.1 Test","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\01 Commercial Calculator\\2017 05 New Development\\4. REDZED-Serviceability Commercial -170410-V0.1 Test.xls","User Problem 1",null,{"$f":"IFERROR(VLOOKUP(MONTH(B2),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B2),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0410"},{"$f":"RIGHT(YEAR(B2),2)&G2","v":"170410"},{"$f":"CONCATENATE(C2,\" \",H2)","v":"V0.1 Test 170410"}]
["Trevor Smith","2017-05-01","V0.2 Test","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\01 Commercial Calculator\\2017 05 New Development\\4. REDZED-Serviceability Commercial -170410-V0.2 Test.xls","User Problems 2 -12 inclusive",null,{"$f":"IFERROR(VLOOKUP(MONTH(B3),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B3),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0501"},{"$f":"RIGHT(YEAR(B3),2)&G3","v":"170501"},{"$f":"CONCATENATE(C3,\" \",H3)","v":"V0.2 Test 170501"}]
["Trevor Smith","2017-06-20","V0.4 PENDING","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\01 Commercial Calculator\\2017 05 New Development\\4. REDZED-Serviceability Commercial -170410-V0.4 Test.xls","User Problems 13 - 19 inclusive","Issued to Mario Lorenzi for testing 20 June 2017",{"$f":"IFERROR(VLOOKUP(MONTH(B4),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B4),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0620"},"170620","V0.4 PENDING 170620"]
["Trevor Smith","2017-06-21","v0.5 PENDING","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\01 Commercial Calculator\\2017 05 New Development\\4. REDZED-Serviceability Commercial -170410-V0.5 Test.xls","User Problem 20",null,{"$f":"IFERROR(VLOOKUP(MONTH(B5),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B5),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0621"},"170621","v0.5 PENDING 170621"]
["Trevor Smith","2017-06-29","v0.6 PENDING","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\01 Commercial Calculator\\2017 05 New Development\\4. REDZED-Serviceability Commercial -170410-V0.6 Test.xls\nThis version was copied and renamed and saved to the new development and release folder structure 26 June 2017. The new location and file name is K:\\Credit\\Servicing Calculator - Commercial\\Development - Commercial\\REDZED-Serviceability Commercial V0.6.xlsm. The released version number for this series of amendments will be v1.0 with a date added in the format yymmdd\n","A renamed version + User Problem 21",null,{"$f":"IFERROR(VLOOKUP(MONTH(B6),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B6),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0629"},"170629","v0.6 PENDING 170629"]
["Trevor Smith","2017-06-29","v0.7 PENDING","K:\\Credit\\Servicing Calculator - Commercial\\Development - Commercial\\REDZED-Serviceability Commercial V0.7.xlsm","User Problem 22",null,{"$f":"IFERROR(VLOOKUP(MONTH(B7),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B7),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0629"},"170629","v0.7 PENDING 170629"]
["Trevor Smith","2017-06-30","v1.0",null,null,"K:\\Credit\\Servicing Calculator - Commercial\\Current Released Version- Commercial\\REDZED-Serviceability Commercial V1.0.xlsm",{"$f":"IFERROR(VLOOKUP(MONTH(B8),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B8),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0630"},"170630","v1.0 170630"]
["Mayank Badhen","2018-06-25","V1.6A","Updated the living expense",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B9),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B9),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0625"},"180625","V1.6A 180625"]
["Mayank Badhen","2018-07-25","V1.7","updated living expense for Company\nselecting household is mandatory\nupdated the tax scale\ncompnay income is always attached to household 1",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B10),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B10),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0725"},"180725","V1.7 180725"]
["Mayank Badhen","2018-12-11","V1.7.1","IF more then three adult in one household please display the mssage",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B11),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B11),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1211"},"181211","V1.7.1 181211"]
["Mayank Badhen","2019-06-20","V1.8","credit card obligations",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B12),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B12),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0620"},"190620","V1.8 190620"]
["Mayank Badhen","2019-12-02","V1.9","IO term issue fixed",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B13),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B13),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1202"},"191202","V1.9 191202"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B14),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B14),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B15),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B15),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
["John Jiang","2020-07-30","V10.0","a. Introduction of a traffic light Pass, Refer to RZ or Fail notification. Pass >1.10, Refer >1.05 – 1.10, Fail below 1.05. The introduction of the Refer category is designed to encourage brokers to Refer deals where we don’t quite meet servicing requirements, but in discussion with RZ we may jointly find a way forward. Potentially these deals may be currently being sent to other lenders who have lower servicing ratio benchmarks). \nb. Creating a blank template.\nc. Removal of the tax calculation for company income to fall in line with the policy which states that we assess on NPBT.\n \nOther general changes including ensuring;\n1. Living expenses were consistent across all selections (there were some errors & inconsistencies)\n2. Tax scales were checked and amended for consistency.\n",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B16),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B16),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0730"},"200730","V10.0 200730"]
["John Jiang","2020-08-13","V10.0 Commercial","changed the footer and version control sheet",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B17),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B17),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0813"},"200813","V10.0 Commercial 200813"]
["John Jiang","2020-11-16","V10.1","changed tax bracket according to 2020 new regulation",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B18),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B18),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1116"},"201116","V10.1 201116"]
["John Jiang","2020-12-17","V10.11","change interest floor rate from 0% to 6%",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B19),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B19),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1217"},"201217","V10.11 201217"]
["John Jiang","2021-01-15","V10.12","Update HEM data according the Sept 2020 data",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B20),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B20),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0115"},"210115","V10.12 210115"]
["Shun ","2022-04-08","v10.13","Update HEM data according the Dec 2021 data",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B21),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B21),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0408"},"220408","v10.13 220408"]
["Shun ","2022-06-16","v10.16","Update Buffer and Floor Rates  && Update HEM Rate",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B22),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B22),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0616"},"220616","v10.16 220616"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B23),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B23),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B24),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B24),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B25),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B25),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B26),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B26),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B27),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B27),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B28),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B28),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B29),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B29),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B30),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B30),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B31),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B31),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B32),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B32),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]

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