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{"sheet":"Serviceability","index":0,"n_rows":92,"n_cols":13,"rows_kept":92,"cut":false,"hidden":false,"merged":[[86,3,87,11],[74,3,75,7],[40,7,40,12],[42,7,42,12],[30,3,30,11],[80,11,82,11],[58,8,58,9],[58,6,58,7],[65,6,65,7],[83,7,83,8],[17,6,17,8],[74,8,75,10],[74,11,75,11],[59,6,59,7],[60,6,60,7],[61,6,61,7],[62,6,62,7],[59,8,59,9],[60,8,60,9],[61,8,61,9],[62,8,62,9]]}
[]
[]
[null,null,"Serviceability Calculator (Residential)"]
[null,null,null,"RedZed Lending Solutions Pty Ltd (ACL 311128)"]
[]
[null,null,null,"Information can be entered in the clear boxes, the grey boxes contain RedZed calculations."]
[]
[null,null,null,"Application name - mandatory"]
[]
[null,null,null,"Income Table",null,null,"Gross Annual",null,null,null,null,"Net Monthly"]
[]
[null,null,null,"Personal Income",null,"Select Household"]
[null,null,null,"Applicant / Guarantor 1","PAYG/Self Employed - Alt Doc Declaration/Self Employed - Full Doc",null,null," ",null,null,null,{"$f":"'Tax Calc'!I5","v":0}]
[null,null,null,"Applicant / Guarantor 2","PAYG/Self Employed - Alt Doc Declaration/Self Employed - Full Doc",null,null,null,null,null,null,{"$f":"'Tax Calc'!I6","v":0}]
[null,null,null,"Applicant / Guarantor 3","PAYG/Self Employed - Alt Doc Declaration/Self Employed - Full Doc",null,null,null,null,null,null,{"$f":"'Tax Calc'!I7","v":0}]
[null,null,null,"Applicant / Guarantor 4","PAYG/Self Employed - Alt Doc Declaration/Self Employed - Full Doc",null,null,null,null,null,null,{"$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 - Centrelink payments, investments)"]
[null,null,null,"Applicant / Guarantor 2","Other Regular Monthly Income (eg - Centrelink payments, investments)"]
[null,null,null,"Applicant / Guarantor 3","Other Regular Monthly Income (eg - Centrelink payments, investments)"]
[null,null,null,"Applicant / Guarantor 4","Other Regular Monthly Income (eg - Centrelink payments, investments)"]
[]
[null,null,null,"Rental Income","Existing",null,null,null,null,null,null,{"$f":"G24*0.8/12","v":0}]
[null,null,null,"Rental Income","New",null,null,null,null,null,null,{"$f":"G25*0.8/12","v":0}]
[]
[null,null,null,"Company Income (only to be used if the company is the loan applicant)"]
[null,null,null,"*If a guarantor's income is also required to help with serviceability,"]
[null,null,null,"all company and guarantor debts, and living expenses need to be included"]
[null,null,null,"Company Net Profit Before Tax - Full Doc or Alt Doc Self Certified",null,null,null,null,null,null,null,{"$f":"(G30-(G30*Table_Company_Tax_Rate))/12","v":0}]
[null,null,null,{"$f":"IF(G30 <> 0, \"Only NPBT from the borrowing Company entity can be entered in this field. Other related company NPBT needs to be allocated to the director(s)/guarantor(s)\", 0)","v":0}]
[null,null,null,"Total Monthly Net Income",null,null,null,null,null,null,null,{"$f":"SUM(L13,L14,L15,L16,L19,L20,L21,L22,L24,L25,L30)","v":0}]
[]
[]
[null,null,null,"Monthly Living Expenses"]
[]
[null,null,null,"Applicants(s) declared expenses - mandatory"]
[null,null,null,"Ongoing (combined) standard monthly living expenses declared by applicant(s)"]
[]
[null,null,null,"RedZed Living Allowance",null,"Select Household"]
[null,null,null,"Number of adults - household 1",null,null,null,{"$f":"Tables!E84","v":" "}]
[null,null,null,"Number of dependant children - household 1"]
[null,null,null,"Number of adults - household 2",null,null,null,{"$f":"Tables!E85","v":" "}]
[null,null,null,"Number of dependant children - household 2"]
[]
[null,null,null,"Total Monthly Living Expenses used in assessment",null,null,null,null,null,null,null,{"$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!B319","v":0}]
[null,null,null,null,"Loan 2",null,null,null,null,null,null,{"$f":"Tables!B320","v":0}]
[null,null,null,null,"Loan 3",null,null,null,null,null,null,{"$f":"Tables!B321","v":0}]
[null,null,null,"Note: An interest rate buffer is automatically applied by the calculator. You do not need to apply a separate buffer."]
[null,null,null,null,null,null,"Limit",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,null,"(@3.82%)",null,null,{"$f":"G66*3.82%","v":0}]
[]
[null,null,null,"Maintenance / On Going Rent"]
[]
[null,null,null,"Other Fixed Monthly Repayments"]
[]
[null,null,null,"Total Monthly Commitments",null,null,null,null,null,null,null,{"$f":"SUM(L55:L70)","v":0}]
[]
[null,null,null,null,null,null,null,null,"Debt Servicing Ratio",null,null,"(DSR)"]
[null,null,null,"This Serviceability Calculator is intended as a guide only and no loan approval can be assumed on the basis of the results of this calculator. All applications remain subject to the normal credit and approval criteria of RedZed Lending Solutions Pty Ltd.",null,null,null,null,null,null,null,{"$f":"IFERROR('Serviceability Calc'!C22,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,"DTI  must also be met for Regulated Loans"]
[null,null,null,null,null,null,null,null,"For Company Borrowers DSR must be >1.10"]
[null,null,null,null,null,null,null,null,"For IO Inv loans > 75% DSR must be >1.10"]
[null,null,null,"Debt to Income Ratio - minimum requirements - Regulated Loans Only",null,null,null,null,null,null,null,"DTI"]
[null,null,null,"Income Type","DTI >6.0x - 7.0x","DTI >7.0x-<8.0x","DTI >8.0x",null,null,null,null,{"$f":"IFERROR((SUM(G55:G57)+SUM(G60:G63)+G66)/(SUM(G13:G16)+SUM(L19:L22)*12+SUM(G24:G25)),\"\")","v":""}]
[null,null,null,"Self Employed","                                           DSR >1.10\n                               (>=1.06 with rental income)","DSR >1.10","Contact your BDM"]
[null,null,null,"Self Employed + PAYG\n(PAYG<25% of total income)","                                           DSR >1.10\n                               (>=1.06 with rental income)","Contact your BDM","Contact your BDM"]
[null,null,null,"PAYG Only\n(or PAYG >25% of total income)","                                          Max DTI 6.5x\n                                            DSR  >1.10\n                             (DSR >=1.06 with rental income)","Contact your BDM","Contact your BDM"]
[]
[]
[null,null,null,"I, the Introducer, confirm that reasonable enquiries about the applicant(s) current and ongoing financial situation have been undertaken and are reflected in the figures entered into this calculation. The applicants(s) have been given sufficient time to consider the declared monthly living expenses amount which has been derived following due consideration."]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Version Control'!I1","v":"v10.24 230823"}]

{"sheet":"HEM","index":1,"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"]
["0 - 25,000",1246.5050547384237,1761.0688925857628,2255.3025482941084,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2447.200867667158,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["25,001 - 37,000",1320.6466052239521,1761.0688925857628,2255.3025482941084,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2447.200867667158,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["37,001 - 50,000",1380.5597213573076,1820.8842099373542,2314.9551756254536,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2507.0258961193608,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["50,001 - 62,000",1466.3036433738177,1906.4882631421463,2400.3262078262619,2894.1641525103782,3310.502850093912,3937.5862058293342,4637.3500285334849,2592.6438472621767,2971.2413137403259,3286.5632405480574,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["62,001 - 74,000",1634.0598745678028,2073.9709031349662,2567.3528286067826,3060.7347540785991,3476.8809395770277,3937.5862058293342,4637.3500285334849,2760.153678296349,3138.5929258425149,3454.1049333448577,3726.296512070548,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["74,001 - 99,000",1876.1007094717995,2315.6170484221802,2808.3410810980185,3301.0651137738573,3716.9335888462565,4177.1418086898711,4637.3500285334849,3001.8390551739508,3380.049728767206,3695.8361782229681,3968.4311213462952,4398.3811758520114,4747.5167060215263,5096.6522361910411]
["99,001 - 124,000",2222.4084292266793,2661.3597380836291,3153.1425502841012,3644.9253624845733,4060.3960031888464,4519.8928966793883,4979.3897901699293,3347.6378766456723,3725.5216829610022,4041.7010969632884,4314.8731669478175,4744.0741165232539,5093.1831764926501,5442.2922364620445]
["124,001 - 149,000",2544.1571794374081,2982.5839149568619,3473.4920995208759,3964.4002840848898,4379.5019311400947,4838.3381190657656,5297.1743069914373,3668.91420471426,4046.4943237053517,4363.0385311699474,4636.7468002736769,5065.251734588137,5414.3361170566059,5763.4204995250748]
["149,001 - 173,000",2926.8578081765631,3364.6602768729904,3854.5283208601013,4344.3963648472118,4759.0585778588911,5217.108770279473,5675.1589627000549,4051.0525972632772,4428.2714988978969,4745.2497813392083,5019.5957461903008,5447.2728772387345,5796.3279472325994,6145.3830172264634]
["173,001 - 198,000",3117.7129784684748,3555.2040812404211,4044.5531209983474,4533.9021607562736,4948.3452915344515,5406.0033698009447,5863.6614480674398,4241.6274970921595,4618.6661771555473,4935.8605746352696,5210.5249232483939,5637.7888671637429,5986.8292096816385,6335.8695521995342]
["198,001 - 248,000",3328.0959179254583,3765.2440454566727,4254.0214016520258,4742.7987578473794,5157.0005615278651,5614.2267224284669,6071.4528833290688,4451.7013209793922,4828.5415083165835,5145.9748077075428,5420.9895219906393,5847.7986512527468,6196.8229838210855,6545.8473163894232]
["248,001 - 309,000",3876.2403718827786,4312.4945532694555,4799.7818347261318,5287.069116182809,5700.6419197605974,6156.7423067300515,6612.8426936995056,4999.040435067559,5375.3632486162487,5693.4181613042774,5969.3463659335393,6394.9697510085043,6743.9520799937409,7092.9344089789774]
["309,000 - 371,000",4402.16314196648,4837.5595406948823,5323.4174684073414,5809.2753961198005,6222.2444486330669,6677.2647752997127,7132.2851019663594,5524.1908279373829,5900.0172416467431,6218.6685678903996,6495.4732306455799,6919.9589407221838,7268.900968918384,7617.8429971145852]
["371,001 - 619,000",4582.9735823084211,5018.0750783077838,5503.4413841831893,5988.8076900585938,6401.5692705574938,6856.2181926197618,7310.8671146820298,5704.7356725008331,6080.3914257040806,6399.247796815187,6676.3537827689352,7100.4483642116666,7449.3765371393747,7798.3047100670829]
[]
[]
[]
["Income Range lookup","Row Offset Value",null,"Dependents/Household Number",null,1,2,3,4,5,6,7]
[25001,1,null,0,null,0,7,13,13,13,13,13]
[37001,2,null,1,null,1,8,13,13,13,13,13]
[50001,3,null,2,null,2,9,13,13,13,13,13]
[62001,4,null,3,null,3,10,13,13,13,13,13]
[74001,5,null,4,null,4,11,13,13,13,13,13]
[99001,6,null,5,null,5,12,13,13,13,13,13]
[124001,7,null,6,null,6,13,13,13,13,13,13]
[149001,8,null,7,null,13,13,13,13,13,13,13]
[173001,9,null,8,null,13,13,13,13,13,13,13]
[198001,10,null,9,null,13,13,13,13,13,13,13]
[248001,11,null,10,null,13,13,13,13,13,13,13]
[309001,12,null,11,null,13,13,13,13,13,13,13]
[371001,13,null,12,null,13,13,13,13,13,13,13]
[]
[]
[]
[]
[]
[]
[null,null,null,"Household 1",null,null,null,"Household 2"]
[null,null,null,"Gross Income",null,{"$f":"IF(EXACT(Serviceability!F13,D39),Serviceability!G13,0)+IF(EXACT(Serviceability!F14, D39),Serviceability!G14,0)+IF(EXACT(Serviceability!F15, D39),Serviceability!G15,0)+IF(EXACT(Serviceability!F16, D39),Serviceability!G16,0)+IF(EXACT(Serviceability!F19, D39),Serviceability!L19*12,0)+IF(EXACT(Serviceability!F20, D39),Serviceability!L20*12,0)+IF(EXACT(Serviceability!F21, D39),Serviceability!L21*12,0)+IF(EXACT(Serviceability!F22, D39),Serviceability!L22*12,0)","v":0},null,"Gross Income",null,{"$f":"IF(EXACT(Serviceability!F13, H39),Serviceability!G13,0)+IF(EXACT(Serviceability!F14,H39),Serviceability!G14,0)+IF(EXACT(Serviceability!F15,H39),Serviceability!G15,0)+IF(EXACT(Serviceability!F16,H39),Serviceability!G16,0)+IF(EXACT(Serviceability!F19, H39),Serviceability!L19*12,0)+IF(EXACT(Serviceability!F20, H39),Serviceability!L20*12,0)+IF(EXACT(Serviceability!F21, H39),Serviceability!L21*12,0)+IF(EXACT(Serviceability!F22, H39),Serviceability!L22*12,0)","v":0}]
[null,null,null,"Single/Couple",null,{"$f":"+Serviceability!$G$41","v":0},null,"Single/Couple",null,{"$f":"Serviceability!G43","v":0}]
[null,null,null,"Dependents",null,{"$f":"+Serviceability!$G$42","v":0},null,"Dependents",null,{"$f":"Serviceability!G44","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":1246.5050547384237},null,"HEM Starting Value",null,{"$f":"OFFSET(F2,0,0)","v":3225.4633067344653}]
[null,null,null,"HEM Min Living Expense",null,{"$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":"Tables","index":2,"n_rows":321,"n_cols":15,"rows_kept":321,"cut":false,"hidden":true,"merged":[[70,5,70,6],[70,1,70,2],[70,7,70,8]]}
[]
["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]
[{"$f":"B7+1","v":120001},180000,0.37,{"$f":"ROUNDUP(D7+C7*(B7-A7),0)","v":29467}]
[{"$f":"B8+1","v":180001},null,0.45,{"$f":"ROUNDUP(D8+C8*(B8-A8),0)","v":51667}]
[null,null,null,null,null,null,"                        "]
[null,null,null,null,null,null,"   "]
["Medicare Levy"]
[null,null,null,null,null,null,"Taxable income","Tax on this income"]
[0,16284,0,null,"not currently used",null,"0 - $18,200","Nil"]
[16284,17604,0.2,null,null,null,"$18,201 - $37,000","19c for each $1 over $18,200"]
["17604+",null,0.02,null,null,null,"$37,001 - $90,000","$3,572 plus 32.5c for each $1 over $37,000"]
[null,null,null,null,null,null,"$90,001 - $180,000","$17,547 plus 37c for each $1 over $87,000"]
[null,null,null,null,null,null,"$180,001 and over","$54,547 plus 45c for each $1 over $180,000"]
[]
["Company Tax"]
[]
["Rate",0.27500000000000002]
[]
[]
[]
[]
[]
["APR Buffer",0.02]
["Minimum Rate",7.0000000000000007E-2]
[]
["RedZed Loan Applied For: Repayment With Buffer",null,"Buffered %","Minimum %","Rate %","Buffer %","Buffered %","Total Term","Interest Only Term","Net Term","Amount"]
["Buffered Loan 1",{"$f":"IF(Serviceability!H55=0,0,-PMT((D32)/12,J32*12,Serviceability!G55))","v":0},{"$f":"G32","v":0.02},{"$f":"IF(C32>=$B$29,C32,$B$29)","v":7.0000000000000007E-2},{"$f":"Serviceability!J55","v":0},{"$f":"$B$28","v":0.02},{"$f":"E32+F32","v":0.02},{"$f":"Serviceability!H55","v":0},{"$f":"Serviceability!I55","v":0},{"$f":"H32-I32","v":0},{"$f":"Serviceability!G55","v":0}]
["Buffered Loan 2",{"$f":"IF(Serviceability!H56=0,0,-PMT((D33)/12,J33*12,Serviceability!G56))","v":0},{"$f":"G33","v":0.02},{"$f":"IF(C33>=$B$29,C33,$B$29)","v":7.0000000000000007E-2},{"$f":"Serviceability!J56","v":0},{"$f":"$B$28","v":0.02},{"$f":"E33+F33","v":0.02},{"$f":"Serviceability!H56","v":0},{"$f":"Serviceability!I56","v":0},{"$f":"H33-I33","v":0}]
["Buffered Loan 3",{"$f":"IF(Serviceability!H57=0,0,-PMT((D34)/12,J34*12,Serviceability!G57))","v":0},0.02,7.0000000000000007E-2,{"$f":"Serviceability!J57","v":0},0.02,0.02,{"$f":"Serviceability!H57","v":0},{"$f":"Serviceability!I57","v":0},0,{"$f":"Serviceability!G57","v":0}]
[]
[]
["Existing Loan: Repayment With Buffer"]
["Buffered Loan 1",0.2,{"$f":"Serviceability!L60*(1+Tables!B38)","v":0},null,null,null,{"$f":"Serviceability!L60","v":0},{"$f":"Serviceability!E60","v":"Loan 1 - Existing Secured"}]
["Buffered Loan 2",0.2,{"$f":"Serviceability!L61*(1+Tables!B39)","v":0},null,null,null,{"$f":"Serviceability!L61","v":0},{"$f":"Serviceability!E61","v":"Loan 2 - Existing Secured"}]
[]
[]
["Additional Fees for Serviceability",null,null,null,null,null," "]
["Fees - Loan 1",15,{"$f":"IF(Serviceability!L55=0,0,15)","v":0},"Monthly Account Keeping Fee Resi",null,null," "]
["Fees - Loan 2",15,{"$f":"IF(Serviceability!L56=0,0,15)","v":0},"Monthly Account Keeping Fee Resi"]
["Fees - Loan 3",15,{"$f":"IF(Serviceability!L57=0,0,15)","v":0},"Monthly Account Keeping Fee Resi",null,null," "]
[]
[]
[]
["Column1","Single Adult","Single Adult + 1 Dependant","Single Adult + 2 Dependants","Single Adult + 3 Dependants","Single Adult + 4 Dependants","Single Adult + 5 Dependants","Single Adult + 6 Dependants","Couple","Couple + 1 Dependant","Couple + 2 Dependants","Couple + 3 Dependants","Couple + 4 Dependants","Couple + 5 Dependants","Couple + 6 Dependants"]
["Income Range ($)","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark","Proposed Benchmark"]
["0 - 25,000",1246.5050547384237,1761.0688925857628,2255.3025482941084,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2447.200867667158,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["25,001 - 37,000",1320.6466052239521,1761.0688925857628,2255.3025482941084,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2447.200867667158,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["37,001 - 50,000",1380.5597213573076,1820.8842099373542,2314.9551756254536,2809.0261413135536,3225.4633067344653,3937.5862058293342,4637.3500285334849,2507.0258961193608,2885.7044133911295,3200.9289836581793,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["50,001 - 62,000",1466.3036433738177,1906.4882631421463,2400.3262078262619,2894.1641525103782,3310.502850093912,3937.5862058293342,4637.3500285334849,2592.6438472621767,2971.2413137403259,3286.5632405480574,3558.4752511358852,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["62,001 - 74,000",1634.0598745678028,2073.9709031349662,2567.3528286067826,3060.7347540785991,3476.8809395770277,3937.5862058293342,4637.3500285334849,2760.153678296349,3138.5929258425149,3454.1049333448577,3726.296512070548,4156.7703267343313,4505.9244888438261,4855.0786509533227]
["74,001 - 99,000",1876.1007094717995,2315.6170484221802,2808.3410810980185,3301.0651137738573,3716.9335888462565,4177.1418086898711,4637.3500285334849,3001.8390551739508,3380.049728767206,3695.8361782229681,3968.4311213462952,4398.3811758520114,4747.5167060215263,5096.6522361910411]
["99,001 - 124,000",2222.4084292266793,2661.3597380836291,3153.1425502841012,3644.9253624845733,4060.3960031888464,4519.8928966793883,4979.3897901699293,3347.6378766456723,3725.5216829610022,4041.7010969632884,4314.8731669478175,4744.0741165232539,5093.1831764926501,5442.2922364620445]
["124,001 - 149,000",2544.1571794374081,2982.5839149568619,3473.4920995208759,3964.4002840848898,4379.5019311400947,4838.3381190657656,5297.1743069914373,3668.91420471426,4046.4943237053517,4363.0385311699474,4636.7468002736769,5065.251734588137,5414.3361170566059,5763.4204995250748]
["149,001 - 173,000",2926.8578081765631,3364.6602768729904,3854.5283208601013,4344.3963648472118,4759.0585778588911,5217.108770279473,5675.1589627000549,4051.0525972632772,4428.2714988978969,4745.2497813392083,5019.5957461903008,5447.2728772387345,5796.3279472325994,6145.3830172264634]
["173,001 - 198,000",3117.7129784684748,3555.2040812404211,4044.5531209983474,4533.9021607562736,4948.3452915344515,5406.0033698009447,5863.6614480674398,4241.6274970921595,4618.6661771555473,4935.8605746352696,5210.5249232483939,5637.7888671637429,5986.8292096816385,6335.8695521995342]
["198,001 - 248,000",3328.0959179254583,3765.2440454566727,4254.0214016520258,4742.7987578473794,5157.0005615278651,5614.2267224284669,6071.4528833290688,4451.7013209793922,4828.5415083165835,5145.9748077075428,5420.9895219906393,5847.7986512527468,6196.8229838210855,6545.8473163894232]
["248,001 - 309,000",3876.2403718827786,4312.4945532694555,4799.7818347261318,5287.069116182809,5700.6419197605974,6156.7423067300515,6612.8426936995056,4999.040435067559,5375.3632486162487,5693.4181613042774,5969.3463659335393,6394.9697510085043,6743.9520799937409,7092.9344089789774]
["309,000 - 371,000",4402.16314196648,4837.5595406948823,5323.4174684073414,5809.2753961198005,6222.2444486330669,6677.2647752997127,7132.2851019663594,5524.1908279373829,5900.0172416467431,6218.6685678903996,6495.4732306455799,6919.9589407221838,7268.900968918384,7617.8429971145852]
["371,001 - 619,000",4582.9735823084211,5018.0750783077838,5503.4413841831893,5988.8076900585938,6401.5692705574938,6856.2181926197618,7310.8671146820298,5704.7356725008331,6080.3914257040806,6399.247796815187,6676.3537827689352,7100.4483642116666,7449.3765371393747,7798.3047100670829]
[" "]
[]
[]
[]
[]
["Household 1"]
["Household 2","Monthly Income",null,null,null,"Other Income",null,"Company"]
[]
[null,"Household 1","Household 2",null,null,"Household 1","Household 2",null,"Always Household 1"]
["Applicant / Guarantor 1",{"$f":"IF(EXACT(Serviceability!F13, \"Household 1\"),Serviceability!G13,0)","v":0},{"$f":"IF(EXACT(Serviceability!F13, \"Household 2\"),Serviceability!G13,0)","v":0},null,"Applicant / Guarantor 1",{"$f":"IF(EXACT(Serviceability!F19, \"Household 1\"),Serviceability!L19,0)","v":0},{"$f":"IF(EXACT(Serviceability!F19, \"Household 2\"),Serviceability!L19,0)","v":0},"Applicant / Guarantor 1",{"$f":"Serviceability!G30","v":0}]
["Applicant / Guarantor 2",{"$f":"IF(EXACT(Serviceability!F14, \"Household 1\"),Serviceability!G14,0)","v":0},{"$f":"IF(EXACT(Serviceability!F14, \"Household 2\"),Serviceability!G14,0)","v":0},null,"Applicant / Guarantor 2",{"$f":"IF(EXACT(Serviceability!F20, \"Household 1\"),Serviceability!L20,0)","v":0},{"$f":"IF(EXACT(Serviceability!F20, \"Household 2\"),Serviceability!L20,0)","v":0}]
["Applicant / Guarantor 3",{"$f":"IF(EXACT(Serviceability!F15, \"Household 1\"),Serviceability!G15,0)","v":0},{"$f":"IF(EXACT(Serviceability!F15, \"Household 2\"),Serviceability!G15,0)","v":0},null,"Applicant / Guarantor 3",{"$f":"IF(EXACT(Serviceability!F21, \"Household 1\"),Serviceability!L21,0)","v":0},{"$f":"IF(EXACT(Serviceability!F21, \"Household 2\"),Serviceability!L21,0)","v":0}]
["Applicant / Guarantor 4",{"$f":"IF(EXACT(Serviceability!F16, \"Household 1\"),Serviceability!G16,0)","v":0},{"$f":"IF(EXACT(Serviceability!F16, \"Household 2\"),Serviceability!G16,0)","v":0},null,"Applicant / Guarantor 4",{"$f":"IF(EXACT(Serviceability!F22, \"Household 1\"),Serviceability!L22,0)","v":0},{"$f":"IF(EXACT(Serviceability!F22, \"Household 2\"),Serviceability!L22,0)","v":0}]
["Applicant Totals",{"$f":"SUM(B74:B77,F78,I74)","v":0},{"$f":"SUM(C74:C77,G78)","v":0},null,"Applicant Totals",{"$f":"SUM(F74:F77)*12","v":0},{"$f":"SUM(G74:G77)*12","v":0}]
[]
["Adults - household","",{"$f":"IF(C78<=59999,\"test\",IF(B3>93,\"A\",IF(B3>89,\"A-\",IF(B3>87,\"B+\",IF(B3>83,\"B\",IF(B3>79,\"B-\", IF(B3>77,\"C+\",IF(B3>73,\"C\",IF(B3>69,\"C-\",IF(B3>57,\"D+\",IF(B3>53,\"D\",IF(B3>49,\"D-\",\"\"))))))))))))","v":"test"}]
["Adults - household - new",{"$error":"#REF!"}]
["Dependant children - household"]
[]
["Adult",{"$f":"Serviceability!G41","v":0},{"$f":"Serviceability!G43","v":0},null,{"$f":"IF(Serviceability!G41>2, \"Please call 1300 722 462 for assistance with calculation \",\" \")","v":" "},null,null,null,null,null,null,null,null,"offset amount"]
["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-\" & B84 & \",Dependents-\" & B85","v":"Adult-0,Dependents-0"},{"$f":"\"Adult-\" & C84 & \",Dependents-\" & C85","v":"Adult-0,Dependents-0"}]
[]
["LookupKey","Household","Income Range","Living Expense"]
[{"$f":"B89 & \":\" & C89","v":"Adult-1,Dependents-0:0 - 25,000"},"Adult-1,Dependents-0","0 - 25,000",1246.5050547384237]
[{"$f":"B90 & \":\" & C90","v":"Adult-1,Dependents-0:25,001 - 37,000"},"Adult-1,Dependents-0","25,001 - 37,000",1320.6466052239521]
["Adult-1,Dependents-0:37,001 - 50,000","Adult-1,Dependents-0","37,001 - 50,000",1380.5597213573076]
["Adult-1,Dependents-0:50,001 - 62,000","Adult-1,Dependents-0","50,001 - 62,000",1466.3036433738177]
["Adult-1,Dependents-0:62,001 - 74,000","Adult-1,Dependents-0","62,001 - 74,000",1634.0598745678028]
["Adult-1,Dependents-0:74,001 - 99,000","Adult-1,Dependents-0","74,001 - 99,000",1876.1007094717995]
["Adult-1,Dependents-0:99,001 - 124,000","Adult-1,Dependents-0","99,001 - 124,000",2222.4084292266793]
["Adult-1,Dependents-0:124,001 - 149,000","Adult-1,Dependents-0","124,001 - 149,000",2544.1571794374081]
["Adult-1,Dependents-0:149,001 - 173,000","Adult-1,Dependents-0","149,001 - 173,000",2926.8578081765631]
["Adult-1,Dependents-0:173,001 - 198,000","Adult-1,Dependents-0","173,001 - 198,000",3117.7129784684748]
["Adult-1,Dependents-0:198,001 - 248,000","Adult-1,Dependents-0","198,001 - 248,000",3328.0959179254583]
["Adult-1,Dependents-0:248,001 - 309,000","Adult-1,Dependents-0","248,001 - 309,000",3876.2403718827786]
["Adult-1,Dependents-0:309,000 - 371,000","Adult-1,Dependents-0","309,000 - 371,000",4402.16314196648]
["Adult-1,Dependents-0:371,001 - 619,000","Adult-1,Dependents-0","371,001 - 619,000",4582.9735823084211]
[]
["Adult-1,Dependents-1:0 - 25,000","Adult-1,Dependents-1","0 - 25,000",1761.0688925857628]
["Adult-1,Dependents-1:25,001 - 37,000","Adult-1,Dependents-1","25,001 - 37,000",1761.0688925857628]
["Adult-1,Dependents-1:37,001 - 50,000","Adult-1,Dependents-1","37,001 - 50,000",1820.8842099373542]
["Adult-1,Dependents-1:50,001 - 62,000","Adult-1,Dependents-1","50,001 - 62,000",1906.4882631421463]
["Adult-1,Dependents-1:62,001 - 74,000","Adult-1,Dependents-1","62,001 - 74,000",2073.9709031349662]
["Adult-1,Dependents-1:74,001 - 99,000","Adult-1,Dependents-1","74,001 - 99,000",2315.6170484221802]
["Adult-1,Dependents-1:99,001 - 124,000","Adult-1,Dependents-1","99,001 - 124,000",2661.3597380836291]
["Adult-1,Dependents-1:124,001 - 149,000","Adult-1,Dependents-1","124,001 - 149,000",2982.5839149568619]
["Adult-1,Dependents-1:149,001 - 173,000","Adult-1,Dependents-1","149,001 - 173,000",3364.6602768729904]
["Adult-1,Dependents-1:173,001 - 198,000","Adult-1,Dependents-1","173,001 - 198,000",3555.2040812404211]
["Adult-1,Dependents-1:198,001 - 248,000","Adult-1,Dependents-1","198,001 - 248,000",3765.2440454566727]
["Adult-1,Dependents-1:248,001 - 309,000","Adult-1,Dependents-1","248,001 - 309,000",4312.4945532694555]
["Adult-1,Dependents-1:309,000 - 371,000","Adult-1,Dependents-1","309,000 - 371,000",4837.5595406948823]
["Adult-1,Dependents-1:371,001 - 619,000","Adult-1,Dependents-1","371,001 - 619,000",5018.0750783077838]
[]
[{"$f":"B119 & \":\" & C119","v":"Adult-1,Dependents-2:0 - 25,000"},"Adult-1,Dependents-2","0 - 25,000",2255.3025482941084]
["Adult-1,Dependents-2:25,001 - 37,000","Adult-1,Dependents-2","25,001 - 37,000",2255.3025482941084]
["Adult-1,Dependents-2:37,001 - 50,000","Adult-1,Dependents-2","37,001 - 50,000",2314.9551756254536]
["Adult-1,Dependents-2:50,001 - 62,000","Adult-1,Dependents-2","50,001 - 62,000",2400.3262078262619]
["Adult-1,Dependents-2:62,001 - 74,000","Adult-1,Dependents-2","62,001 - 74,000",2567.3528286067826]
["Adult-1,Dependents-2:74,001 - 99,000","Adult-1,Dependents-2","74,001 - 99,000",2808.3410810980185]
["Adult-1,Dependents-2:99,001 - 124,000","Adult-1,Dependents-2","99,001 - 124,000",3153.1425502841012]
["Adult-1,Dependents-2:124,001 - 149,000","Adult-1,Dependents-2","124,001 - 149,000",3473.4920995208759]
["Adult-1,Dependents-2:149,001 - 173,000","Adult-1,Dependents-2","149,001 - 173,000",3854.5283208601013]
["Adult-1,Dependents-2:173,001 - 198,000","Adult-1,Dependents-2","173,001 - 198,000",4044.5531209983474]
["Adult-1,Dependents-2:198,001 - 248,000","Adult-1,Dependents-2","198,001 - 248,000",4254.0214016520258]
["Adult-1,Dependents-2:248,001 - 309,000","Adult-1,Dependents-2","248,001 - 309,000",4799.7818347261318]
["Adult-1,Dependents-2:309,000 - 371,000","Adult-1,Dependents-2","309,000 - 371,000",5323.4174684073414]
["Adult-1,Dependents-2:371,001 - 619,000","Adult-1,Dependents-2","371,001 - 619,000",5503.4413841831893]
[]
[{"$f":"B134 & \":\" & C134","v":"Adult-1,Dependents-3:0 - 25,000"},"Adult-1,Dependents-3","0 - 25,000",2809.0261413135536]
["Adult-1,Dependents-3:25,001 - 37,000","Adult-1,Dependents-3","25,001 - 37,000",2809.0261413135536]
["Adult-1,Dependents-3:37,001 - 50,000","Adult-1,Dependents-3","37,001 - 50,000",2809.0261413135536]
["Adult-1,Dependents-3:50,001 - 62,000","Adult-1,Dependents-3","50,001 - 62,000",2894.1641525103782]
["Adult-1,Dependents-3:62,001 - 74,000","Adult-1,Dependents-3","62,001 - 74,000",3060.7347540785991]
["Adult-1,Dependents-3:74,001 - 99,000","Adult-1,Dependents-3","74,001 - 99,000",3301.0651137738573]
["Adult-1,Dependents-3:99,001 - 124,000","Adult-1,Dependents-3","99,001 - 124,000",3644.9253624845733]
["Adult-1,Dependents-3:124,001 - 149,000","Adult-1,Dependents-3","124,001 - 149,000",3964.4002840848898]
["Adult-1,Dependents-3:149,001 - 173,000","Adult-1,Dependents-3","149,001 - 173,000",4344.3963648472118]
["Adult-1,Dependents-3:173,001 - 198,000","Adult-1,Dependents-3","173,001 - 198,000",4533.9021607562736]
["Adult-1,Dependents-3:198,001 - 248,000","Adult-1,Dependents-3","198,001 - 248,000",4742.7987578473794]
["Adult-1,Dependents-3:248,001 - 309,000","Adult-1,Dependents-3","248,001 - 309,000",5287.069116182809]
["Adult-1,Dependents-3:309,000 - 371,000","Adult-1,Dependents-3","309,000 - 371,000",5809.2753961198005]
["Adult-1,Dependents-3:371,001 - 619,000","Adult-1,Dependents-3","371,001 - 619,000",5988.8076900585938]
[]
[]
[{"$f":"B150 & \":\" & C150","v":"Adult-1,Dependents-4:0 - 25,000"},"Adult-1,Dependents-4","0 - 25,000",3225.4633067344653]
["Adult-1,Dependents-4:25,001 - 37,000","Adult-1,Dependents-4","25,001 - 37,000",3225.4633067344653]
["Adult-1,Dependents-4:37,001 - 50,000","Adult-1,Dependents-4","37,001 - 50,000",3225.4633067344653]
["Adult-1,Dependents-4:50,001 - 62,000","Adult-1,Dependents-4","50,001 - 62,000",3310.502850093912]
["Adult-1,Dependents-4:62,001 - 74,000","Adult-1,Dependents-4","62,001 - 74,000",3476.8809395770277]
["Adult-1,Dependents-4:74,001 - 99,000","Adult-1,Dependents-4","74,001 - 99,000",3716.9335888462565]
["Adult-1,Dependents-4:99,001 - 124,000","Adult-1,Dependents-4","99,001 - 124,000",4060.3960031888464]
["Adult-1,Dependents-4:124,001 - 149,000","Adult-1,Dependents-4","124,001 - 149,000",4379.5019311400947]
["Adult-1,Dependents-4:149,001 - 173,000","Adult-1,Dependents-4","149,001 - 173,000",4759.0585778588911]
["Adult-1,Dependents-4:173,001 - 198,000","Adult-1,Dependents-4","173,001 - 198,000",4948.3452915344515]
["Adult-1,Dependents-4:198,001 - 248,000","Adult-1,Dependents-4","198,001 - 248,000",5157.0005615278651]
["Adult-1,Dependents-4:248,001 - 309,000","Adult-1,Dependents-4","248,001 - 309,000",5700.6419197605974]
["Adult-1,Dependents-4:309,000 - 371,000","Adult-1,Dependents-4","309,000 - 371,000",6222.2444486330669]
["Adult-1,Dependents-4:371,001 - 619,000","Adult-1,Dependents-4","371,001 - 619,000",6401.5692705574938]
[]
[{"$f":"B165 & \":\" & C165","v":"Adult-1,Dependents-5:0 - 25,000"},"Adult-1,Dependents-5","0 - 25,000",3937.5862058293342]
["Adult-1,Dependents-5:25,001 - 37,000","Adult-1,Dependents-5","25,001 - 37,000",3937.5862058293342]
["Adult-1,Dependents-5:37,001 - 50,000","Adult-1,Dependents-5","37,001 - 50,000",3937.5862058293342]
["Adult-1,Dependents-5:50,001 - 62,000","Adult-1,Dependents-5","50,001 - 62,000",3937.5862058293342]
["Adult-1,Dependents-5:62,001 - 74,000","Adult-1,Dependents-5","62,001 - 74,000",3937.5862058293342]
["Adult-1,Dependents-5:74,001 - 99,000","Adult-1,Dependents-5","74,001 - 99,000",4177.1418086898711]
["Adult-1,Dependents-5:99,001 - 124,000","Adult-1,Dependents-5","99,001 - 124,000",4519.8928966793883]
["Adult-1,Dependents-5:124,001 - 149,000","Adult-1,Dependents-5","124,001 - 149,000",4838.3381190657656]
["Adult-1,Dependents-5:149,001 - 173,000","Adult-1,Dependents-5","149,001 - 173,000",5217.108770279473]
["Adult-1,Dependents-5:173,001 - 198,000","Adult-1,Dependents-5","173,001 - 198,000",5406.0033698009447]
["Adult-1,Dependents-5:198,001 - 248,000","Adult-1,Dependents-5","198,001 - 248,000",5614.2267224284669]
["Adult-1,Dependents-5:248,001 - 309,000","Adult-1,Dependents-5","248,001 - 309,000",6156.7423067300515]
["Adult-1,Dependents-5:309,000 - 371,000","Adult-1,Dependents-5","309,000 - 371,000",6677.2647752997127]
["Adult-1,Dependents-5:371,001 - 619,000","Adult-1,Dependents-5","371,001 - 619,000",6856.2181926197618]
[]
[{"$f":"B180 & \":\" & C180","v":"Adult-1,Dependents-6:0 - 25,000"},"Adult-1,Dependents-6","0 - 25,000",4637.3500285334849]
["Adult-1,Dependents-6:25,001 - 37,000","Adult-1,Dependents-6","25,001 - 37,000",4637.3500285334849]
["Adult-1,Dependents-6:37,001 - 50,000","Adult-1,Dependents-6","37,001 - 50,000",4637.3500285334849]
["Adult-1,Dependents-6:50,001 - 62,000","Adult-1,Dependents-6","50,001 - 62,000",4637.3500285334849]
["Adult-1,Dependents-6:62,001 - 74,000","Adult-1,Dependents-6","62,001 - 74,000",4637.3500285334849]
["Adult-1,Dependents-6:74,001 - 99,000","Adult-1,Dependents-6","74,001 - 99,000",4637.3500285334849]
["Adult-1,Dependents-6:99,001 - 124,000","Adult-1,Dependents-6","99,001 - 124,000",4979.3897901699293]
["Adult-1,Dependents-6:124,001 - 149,000","Adult-1,Dependents-6","124,001 - 149,000",5297.1743069914373]
["Adult-1,Dependents-6:149,001 - 173,000","Adult-1,Dependents-6","149,001 - 173,000",5675.1589627000549]
["Adult-1,Dependents-6:173,001 - 198,000","Adult-1,Dependents-6","173,001 - 198,000",5863.6614480674398]
["Adult-1,Dependents-6:198,001 - 248,000","Adult-1,Dependents-6","198,001 - 248,000",6071.4528833290688]
["Adult-1,Dependents-6:248,001 - 309,000","Adult-1,Dependents-6","248,001 - 309,000",6612.8426936995056]
["Adult-1,Dependents-6:309,000 - 371,000","Adult-1,Dependents-6","309,000 - 371,000",7132.2851019663594]
["Adult-1,Dependents-6:371,001 - 619,000","Adult-1,Dependents-6","371,001 - 619,000",7310.8671146820298]
[]
[{"$f":"B195 & \":\" & C195","v":"Adult-2,Dependents-0:0 - 25,000"},"Adult-2,Dependents-0","0 - 25,000",2447.200867667158]
[{"$f":"B196 & \":\" & C196","v":"Adult-2,Dependents-0:25,001 - 37,000"},"Adult-2,Dependents-0","25,001 - 37,000",2447.200867667158]
["Adult-2,Dependents-0:37,001 - 50,000","Adult-2,Dependents-0","37,001 - 50,000",2507.0258961193608]
["Adult-2,Dependents-0:50,001 - 62,000","Adult-2,Dependents-0","50,001 - 62,000",2592.6438472621767]
["Adult-2,Dependents-0:62,001 - 74,000","Adult-2,Dependents-0","62,001 - 74,000",2760.153678296349]
["Adult-2,Dependents-0:74,001 - 99,000","Adult-2,Dependents-0","74,001 - 99,000",3001.8390551739508]
["Adult-2,Dependents-0:99,001 - 124,000","Adult-2,Dependents-0","99,001 - 124,000",3347.6378766456723]
["Adult-2,Dependents-0:124,001 - 149,000","Adult-2,Dependents-0","124,001 - 149,000",3668.91420471426]
["Adult-2,Dependents-0:149,001 - 173,000","Adult-2,Dependents-0","149,001 - 173,000",4051.0525972632772]
["Adult-2,Dependents-0:173,001 - 198,000","Adult-2,Dependents-0","173,001 - 198,000",4241.6274970921595]
["Adult-2,Dependents-0:198,001 - 248,000","Adult-2,Dependents-0","198,001 - 248,000",4451.7013209793922]
["Adult-2,Dependents-0:248,001 - 309,000","Adult-2,Dependents-0","248,001 - 309,000",4999.040435067559]
["Adult-2,Dependents-0:309,000 - 371,000","Adult-2,Dependents-0","309,000 - 371,000",5524.1908279373829]
["Adult-2,Dependents-0:371,001 - 619,000","Adult-2,Dependents-0","371,001 - 619,000",5704.7356725008331]
[]
[{"$f":"B210 & \":\" & C210","v":"Adult-2,Dependents-1:0 - 25,000"},"Adult-2,Dependents-1","0 - 25,000",2885.7044133911295]
["Adult-2,Dependents-1:25,001 - 37,000","Adult-2,Dependents-1","25,001 - 37,000",2885.7044133911295]
["Adult-2,Dependents-1:37,001 - 50,000","Adult-2,Dependents-1","37,001 - 50,000",2885.7044133911295]
["Adult-2,Dependents-1:50,001 - 62,000","Adult-2,Dependents-1","50,001 - 62,000",2971.2413137403259]
["Adult-2,Dependents-1:62,001 - 74,000","Adult-2,Dependents-1","62,001 - 74,000",3138.5929258425149]
["Adult-2,Dependents-1:74,001 - 99,000","Adult-2,Dependents-1","74,001 - 99,000",3380.049728767206]
["Adult-2,Dependents-1:99,001 - 124,000","Adult-2,Dependents-1","99,001 - 124,000",3725.5216829610022]
["Adult-2,Dependents-1:124,001 - 149,000","Adult-2,Dependents-1","124,001 - 149,000",4046.4943237053517]
["Adult-2,Dependents-1:149,001 - 173,000","Adult-2,Dependents-1","149,001 - 173,000",4428.2714988978969]
["Adult-2,Dependents-1:173,001 - 198,000","Adult-2,Dependents-1","173,001 - 198,000",4618.6661771555473]
["Adult-2,Dependents-1:198,001 - 248,000","Adult-2,Dependents-1","198,001 - 248,000",4828.5415083165835]
["Adult-2,Dependents-1:248,001 - 309,000","Adult-2,Dependents-1","248,001 - 309,000",5375.3632486162487]
["Adult-2,Dependents-1:309,000 - 371,000","Adult-2,Dependents-1","309,000 - 371,000",5900.0172416467431]
["Adult-2,Dependents-1:371,001 - 619,000","Adult-2,Dependents-1","371,001 - 619,000",6080.3914257040806]
[]
[{"$f":"B225 & \":\" & C225","v":"Adult-2,Dependents-2:0 - 25,000"},"Adult-2,Dependents-2","0 - 25,000",3200.9289836581793]
["Adult-2,Dependents-2:25,001 - 37,000","Adult-2,Dependents-2","25,001 - 37,000",3200.9289836581793]
["Adult-2,Dependents-2:37,001 - 50,000","Adult-2,Dependents-2","37,001 - 50,000",3200.9289836581793]
["Adult-2,Dependents-2:50,001 - 62,000","Adult-2,Dependents-2","50,001 - 62,000",3286.5632405480574]
["Adult-2,Dependents-2:62,001 - 74,000","Adult-2,Dependents-2","62,001 - 74,000",3454.1049333448577]
["Adult-2,Dependents-2:74,001 - 99,000","Adult-2,Dependents-2","74,001 - 99,000",3695.8361782229681]
["Adult-2,Dependents-2:99,001 - 124,000","Adult-2,Dependents-2","99,001 - 124,000",4041.7010969632884]
["Adult-2,Dependents-2:124,001 - 149,000","Adult-2,Dependents-2","124,001 - 149,000",4363.0385311699474]
["Adult-2,Dependents-2:149,001 - 173,000","Adult-2,Dependents-2","149,001 - 173,000",4745.2497813392083]
["Adult-2,Dependents-2:173,001 - 198,000","Adult-2,Dependents-2","173,001 - 198,000",4935.8605746352696]
["Adult-2,Dependents-2:198,001 - 248,000","Adult-2,Dependents-2","198,001 - 248,000",5145.9748077075428]
["Adult-2,Dependents-2:248,001 - 309,000","Adult-2,Dependents-2","248,001 - 309,000",5693.4181613042774]
["Adult-2,Dependents-2:309,000 - 371,000","Adult-2,Dependents-2","309,000 - 371,000",6218.6685678903996]
["Adult-2,Dependents-2:371,001 - 619,000","Adult-2,Dependents-2","371,001 - 619,000",6399.247796815187]
[]
[{"$f":"B240 & \":\" & C240","v":"Adult-2,Dependents-3:0 - 25,000"},"Adult-2,Dependents-3","0 - 25,000",3558.4752511358852]
["Adult-2,Dependents-3:25,001 - 37,000","Adult-2,Dependents-3","25,001 - 37,000",3558.4752511358852]
["Adult-2,Dependents-3:37,001 - 50,000","Adult-2,Dependents-3","37,001 - 50,000",3558.4752511358852]
["Adult-2,Dependents-3:50,001 - 62,000","Adult-2,Dependents-3","50,001 - 62,000",3558.4752511358852]
["Adult-2,Dependents-3:62,001 - 74,000","Adult-2,Dependents-3","62,001 - 74,000",3726.296512070548]
["Adult-2,Dependents-3:74,001 - 99,000","Adult-2,Dependents-3","74,001 - 99,000",3968.4311213462952]
["Adult-2,Dependents-3:99,001 - 124,000","Adult-2,Dependents-3","99,001 - 124,000",4314.8731669478175]
["Adult-2,Dependents-3:124,001 - 149,000","Adult-2,Dependents-3","124,001 - 149,000",4636.7468002736769]
["Adult-2,Dependents-3:149,001 - 173,000","Adult-2,Dependents-3","149,001 - 173,000",5019.5957461903008]
["Adult-2,Dependents-3:173,001 - 198,000","Adult-2,Dependents-3","173,001 - 198,000",5210.5249232483939]
["Adult-2,Dependents-3:198,001 - 248,000","Adult-2,Dependents-3","198,001 - 248,000",5420.9895219906393]
["Adult-2,Dependents-3:248,001 - 309,000","Adult-2,Dependents-3","248,001 - 309,000",5969.3463659335393]
["Adult-2,Dependents-3:309,000 - 371,000","Adult-2,Dependents-3","309,000 - 371,000",6495.4732306455799]
["Adult-2,Dependents-3:371,001 - 619,000","Adult-2,Dependents-3","371,001 - 619,000",6676.3537827689352]
[]
[]
[{"$f":"B256 & \":\" & C256","v":"Adult-2,Dependents-4:0 - 25,000"},"Adult-2,Dependents-4","0 - 25,000",4156.7703267343313]
["Adult-2,Dependents-4:25,001 - 37,000","Adult-2,Dependents-4","25,001 - 37,000",4156.7703267343313]
["Adult-2,Dependents-4:37,001 - 50,000","Adult-2,Dependents-4","37,001 - 50,000",4156.7703267343313]
["Adult-2,Dependents-4:50,001 - 62,000","Adult-2,Dependents-4","50,001 - 62,000",4156.7703267343313]
["Adult-2,Dependents-4:62,001 - 74,000","Adult-2,Dependents-4","62,001 - 74,000",4156.7703267343313]
["Adult-2,Dependents-4:74,001 - 99,000","Adult-2,Dependents-4","74,001 - 99,000",4398.3811758520114]
["Adult-2,Dependents-4:99,001 - 124,000","Adult-2,Dependents-4","99,001 - 124,000",4744.0741165232539]
["Adult-2,Dependents-4:124,001 - 149,000","Adult-2,Dependents-4","124,001 - 149,000",5065.251734588137]
["Adult-2,Dependents-4:149,001 - 173,000","Adult-2,Dependents-4","149,001 - 173,000",5447.2728772387345]
["Adult-2,Dependents-4:173,001 - 198,000","Adult-2,Dependents-4","173,001 - 198,000",5637.7888671637429]
["Adult-2,Dependents-4:198,001 - 248,000","Adult-2,Dependents-4","198,001 - 248,000",5847.7986512527468]
["Adult-2,Dependents-4:248,001 - 309,000","Adult-2,Dependents-4","248,001 - 309,000",6394.9697510085043]
["Adult-2,Dependents-4:309,000 - 371,000","Adult-2,Dependents-4","309,000 - 371,000",6919.9589407221838]
["Adult-2,Dependents-4:371,001 - 619,000","Adult-2,Dependents-4","371,001 - 619,000",7100.4483642116666]
[]
[{"$f":"B271 & \":\" & C271","v":"Adult-2,Dependents-5:0 - 25,000"},"Adult-2,Dependents-5","0 - 25,000",4505.9244888438261]
["Adult-2,Dependents-5:25,001 - 37,000","Adult-2,Dependents-5","25,001 - 37,000",4505.9244888438261]
["Adult-2,Dependents-5:37,001 - 50,000","Adult-2,Dependents-5","37,001 - 50,000",4505.9244888438261]
["Adult-2,Dependents-5:50,001 - 62,000","Adult-2,Dependents-5","50,001 - 62,000",4505.9244888438261]
["Adult-2,Dependents-5:62,001 - 74,000","Adult-2,Dependents-5","62,001 - 74,000",4505.9244888438261]
["Adult-2,Dependents-5:74,001 - 99,000","Adult-2,Dependents-5","74,001 - 99,000",4747.5167060215263]
["Adult-2,Dependents-5:99,001 - 124,000","Adult-2,Dependents-5","99,001 - 124,000",5093.1831764926501]
["Adult-2,Dependents-5:124,001 - 149,000","Adult-2,Dependents-5","124,001 - 149,000",5414.3361170566059]
["Adult-2,Dependents-5:149,001 - 173,000","Adult-2,Dependents-5","149,001 - 173,000",5796.3279472325994]
["Adult-2,Dependents-5:173,001 - 198,000","Adult-2,Dependents-5","173,001 - 198,000",5986.8292096816385]
["Adult-2,Dependents-5:198,001 - 248,000","Adult-2,Dependents-5","198,001 - 248,000",6196.8229838210855]
["Adult-2,Dependents-5:248,001 - 309,000","Adult-2,Dependents-5","248,001 - 309,000",6743.9520799937409]
["Adult-2,Dependents-5:309,000 - 371,000","Adult-2,Dependents-5","309,000 - 371,000",7268.900968918384]
["Adult-2,Dependents-5:371,001 - 619,000","Adult-2,Dependents-5","371,001 - 619,000",7449.3765371393747]
[]
[{"$f":"B286 & \":\" & C286","v":"Adult-2,Dependents-6:0 - 25,000"},"Adult-2,Dependents-6","0 - 25,000",4855.0786509533227]
["Adult-2,Dependents-6:25,001 - 37,000","Adult-2,Dependents-6","25,001 - 37,000",4855.0786509533227]
["Adult-2,Dependents-6:37,001 - 50,000","Adult-2,Dependents-6","37,001 - 50,000",4855.0786509533227]
["Adult-2,Dependents-6:50,001 - 62,000","Adult-2,Dependents-6","50,001 - 62,000",4855.0786509533227]
["Adult-2,Dependents-6:62,001 - 74,000","Adult-2,Dependents-6","62,001 - 74,000",4855.0786509533227]
["Adult-2,Dependents-6:74,001 - 99,000","Adult-2,Dependents-6","74,001 - 99,000",5096.6522361910411]
["Adult-2,Dependents-6:99,001 - 124,000","Adult-2,Dependents-6","99,001 - 124,000",5442.2922364620445]
["Adult-2,Dependents-6:124,001 - 149,000","Adult-2,Dependents-6","124,001 - 149,000",5763.4204995250748]
["Adult-2,Dependents-6:149,001 - 173,000","Adult-2,Dependents-6","149,001 - 173,000",6145.3830172264634]
["Adult-2,Dependents-6:173,001 - 198,000","Adult-2,Dependents-6","173,001 - 198,000",6335.8695521995342]
["Adult-2,Dependents-6:198,001 - 248,000","Adult-2,Dependents-6","198,001 - 248,000",6545.8473163894232]
["Adult-2,Dependents-6:248,001 - 309,000","Adult-2,Dependents-6","248,001 - 309,000",7092.9344089789774]
["Adult-2,Dependents-6:309,000 - 371,000","Adult-2,Dependents-6","309,000 - 371,000",7617.8429971145852]
["Adult-2,Dependents-6:371,001 - 619,000","Adult-2,Dependents-6","371,001 - 619,000",7798.3047100670829]
[]
[]
[null,"Household 1","Household 2"]
["Household Key",{"$f":"B86","v":"Adult-0,Dependents-0"},{"$f":"C86","v":"Adult-0,Dependents-0"}]
["Salary Key",{"$f":"IF(B78<=0,\"0-25000\",IF(B78<=25000,\"0-25000\",IF(B78<=37000,\"25001-37000\",IF(B78<=50000,\"37001-50000\",IF(B78<=62000,\"50001-62000\",IF(B78<=74000,\"62001-74000\",IF(B78<=99000,\"74001-99000\",IF(B78<=124000,\"99001-124000\",IF(B78<=149000,\"124001-149000\",IF(B78<=173000,\"149001-173000\",IF(B78<=198000,\"173001-198000\",IF(B78<=248000,\"198001-248000\",IF(B78<=309000,\"248001-309000\",IF(B78<=371000,\"309001-371000\",IF(B78>371000,\"371001-619000\",FALSE)))))))))))))))","v":"0-25000"},{"$f":"IF(C78<=0,\"0-25000\",IF(C78<=25000,\"0-25000\",IF(C78<=37000,\"25001-37000\",IF(C78<=50000,\"37001-50000\",IF(C78<=62000,\"50001-62000\",IF(C78<=74000,\"62001-74000\",IF(C78<=99000,\"74001-99000\",IF(C78<=124000,\"99001-124000\",IF(C78<=149000,\"124001-149000\",IF(C78<=173000,\"149001-173000\",IF(C78<=198000,\"173001-198000\",IF(C78<=248000,\"198001-248000\",IF(C78<=309000,\"248001-309000\",IF(C78<=371000,\"309001-371000\",IF(C78>371000,\"371001-619000\",FALSE)))))))))))))))","v":"0-25000"}]
["Household Living Expense",{"$f":"HEM!F46","v":0},{"$f":"HEM!J46","v":0}]
[]
[]
[]
[]
["Monthly expense",{"$f":"MAX(SUM(B305:C305),Serviceability!G38)","v":0}]
[]
[]
["Avaiable Income",{"$f":"Serviceability!L32-Tables!B310","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}]
["RedZed Loan Applied For Loan3",{"$f":"IF(Serviceability!H57=0,0,IF(Serviceability!J57=0,0,-PMT((Serviceability!J57)/12,(Serviceability!H57-Serviceability!I57)*12,Serviceability!G57)))","v":0}]

{"sheet":"Serviceability Calc","index":3,"n_rows":22,"n_cols":3,"rows_kept":22,"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,{"$f":"Serviceability!D72","v":"Total Monthly Commitments"},{"$f":"SUM(Serviceability!L55:L71)","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}]
["Less",{"$f":"Serviceability!$D$53&\" - \"&Serviceability!E57","v":"RedZed Loan Applied For - Loan 3"},{"$f":"-Serviceability!L57","v":0}]
["Plus",{"$f":"Serviceability!$D$53&\" - \"&Tables!A32","v":"RedZed Loan Applied For - Buffered Loan 1"},{"$f":"Tables!B32","v":0}]
["Plus",{"$f":"Serviceability!$D$53&\" - \"&Tables!A33","v":"RedZed Loan Applied For - Buffered Loan 2"},{"$f":"Tables!B33","v":0}]
["Plus",{"$f":"Serviceability!$D$53&\" - \"&Tables!A34","v":"RedZed Loan Applied For - Buffered Loan 3"},{"$f":"Tables!B34","v":0}]
["Less",{"$f":"Serviceability!$D$60&\": \"&Serviceability!E60","v":"Existing Loans: Loan 1 - Existing Secured"},{"$f":"-Serviceability!L60","v":0}]
["Less",{"$f":"Serviceability!$D$60&\": \"&Serviceability!E61","v":"Existing Loans: Loan 2 - Existing Secured"},{"$f":"-Serviceability!L61","v":0}]
["Plus",{"$f":"Serviceability!$D$60&\": \"&Tables!A38","v":"Existing Loans: Buffered Loan 1"},{"$f":"Tables!C38","v":0}]
["Plus",{"$f":"Serviceability!$D$60&\": \"&Tables!A39","v":"Existing Loans: Buffered Loan 2"},{"$f":"Tables!C39","v":0}]
["Plus",{"$f":"Tables!A43","v":"Fees - Loan 1"},{"$f":"Tables!C43","v":0}]
["Plus",{"$f":"Tables!A44","v":"Fees - Loan 2"},{"$f":"Tables!C44","v":0}]
["Plus",{"$f":"Tables!A45","v":"Fees - Loan 3"},{"$f":"Tables!C45","v":0}]
[]
[null,"Total Monthly Commitments (After Repayment Buffering & Fees)",{"$f":"SUM(C5:C19)","v":0}]
[]
[null,{"$f":"Serviceability!I75&\" - Calculated as:\"","v":" - Calculated as:"},{"$f":"ROUNDUP(C3/C20,2)","v":{"$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,{"$f":"Serviceability!G13","v":0},{"$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!G14","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!G15","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,{"$f":"Serviceability!G16","v":0},{"$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"]
[80000,{"$f":"VLOOKUP(A22,A29:D33,4,TRUE)","v":0},{"$f":"VLOOKUP(A22,A29:D33,1,TRUE)","v":48001},{"$f":" A22-C22","v":31999},{"$f":"VLOOKUP(A22,A29:D33,3,TRUE)","v":0},{"$f":"+D22*E22","v":0},{"$f":"SUM(B22,F22)","v":0}]
[]
[]
[]
["Lower and Middle income offset"]
[]
["Wages Over","Not to Exceed","Tax Rate"]
[1,37000,null,0]
[{"$f":"B29+1","v":37001},48000,0,0]
[{"$f":"B30+1","v":48001},90000,0,0]
[{"$f":"B31+1","v":90001},126000,0,0]
[{"$f":"B32+1","v":126001},null,0,0]
[]
[]
[]
[]
["Low Income offset"]
[]
["Wages Over","Not to Exceed","Tax Rate"]
[1,37500,null,0,null,null,null,null,null,null,{"$f":"I41*52","v":0}]
[{"$f":"B41+1","v":37501},45000,0,0]
[{"$f":"B42+1","v":45001},66667,0,0]
[]
[]
[]
[]
["Test low income"]
[]
["income","offset baseline","Income lower range","Income - Lower range","offset reduced %","offset reduced amount","offset amount"]
[80000,{"$f":"VLOOKUP(A51,A41:D43,4,TRUE)","v":0},{"$f":"VLOOKUP(A51,A41:D43,1,TRUE)","v":45001},{"$f":"IF(A51>66667, 66667-45001, A51-C51)","v":21666},{"$f":"VLOOKUP(A51,A41:D43,3,TRUE)","v":0},{"$f":"+D51*E51","v":0},{"$f":"SUM(B51,F51)","v":0}]

{"sheet":"User Problems","index":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 Result Date","Review With User","Review Result or Action to Take","Sheets Affected","Development Version #","Type","Estimate (hrs)","Actual","Status","Date Unit Tested","Release Version #"]
[1,"2017-04-06","Bill Slattery",null,"What we are trying to achieve is a stress test of servicing capacity at the higher of;\n1. The selected interest rate + 2% or \n2. 7% \nThis change should only apply to Residential loans.\n",null,null,null,null,null,{"$f":"'Version Control'!C2","v":"V6.4 Test"},"Enhancement",null,null,"Completed","2017-04-10",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[2,"2017-04-10","Trevor Smith",null,"The tax table in the Residential calculator is not the same as in the Consolidated Calculator. Looks like the Residential Calculator was not updated for the 2017/2018 change to the upper limit for the 32.5% rate (ie from $80000 to $87000).","Change the tax table in the Residential Calculator in expectation you want it to match that in the Consolidated Calculator.","2017-04-10","Bill Slattery","Change as recommended",null,{"$f":"'Version Control'!C3","v":"V6.4 Test2  (v6.42)"},"Bug",null,null,"Completed","2017-04-10",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[3,"2017-04-24","Bill Slattery","Serviceability Calc","Add Serviceabilty Calculation Sheet as per Consolidated User Problem #131.","Name as \"Serviceability Calc\"",null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[4,"2017-04-24","Mario Lorenzi",null,"Add two macros:\n-Ctl/Shift/B to unhide the calculation sheets\n-Ctl/Shift/H to hide the calculation sheets\n",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[5,"2017-04-24","Mario Lorenzi","Tables","Change Company Tax Rate to 28.5%","Set up a  a new Company Tax Table on Tables sheet. Change Company Income Calculation (Cell K18) to reference the new Company Tax Table.",null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Data Maintenance",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[6,"2017-04-24","Mario Lorenzi","Serviceability","Add Interest Only Term cells for RedZed Loans 1 and 2 on Serviceability sheet.\nChange the Rate buffering calculation to use the net term (Total Term less Interest Only Term)",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[7,"2017-04-24","Mario Lorenzi","Serviceability","Add Source of Other Incomes cell for each of the Other Regular Monthly Income lines on the Serviceability sheets.",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[8,"2017-04-24","Mario Lorenzi","Serviceability","Change Company Income heading to display \"Company Income (if applicable)\"",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[9,"2017-04-24","Mario Lorenzi","Serviceability","Swap columns displaying Existing & New v Rental Income/Rental Income ",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[10,"2017-04-24","Mario Lorenzi","Tables","Check Monthly Service Fee calculation - to assume entry of Residential Loans only - calculated at $15 per month",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Bug",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[11,"2017-04-24","Mario Lorenzi","Serviceability","Company Income headings realigned to display above the detail line",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[12,"2017-04-24","Mario Lorenzi","Serviceability","Company Income section moved to display after Rental Income",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[13,"2017-04-24","Mario Lorenzi","Serviceability","Change Personal Income descriptors from \"Guarantor 1, 2, 3, and 4\" to \"Applicant / Guarantor 1, 2, 3, and 4\"",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[14,"2017-04-24","Mario Lorenzi","Tables","Tables Sheet - Highlight in yellow those data cells that can be changed to reflect legislation or company policy changes.",null,null,null,null,null,{"$f":"'Version Control'!$C$4","v":"V6.6 Test (v6.43)"},"Enhancement",null,null,"Completed","2017-05-01",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[15,"2017-06-08","Mario Lorenzi","Tax Calc","Tax Calc Sheet - delete Other Income Cells A10 to I13",null,null,null,null,null,{"$f":"'Version Control'!$C$5","v":"V6.8 Test (v6.44)"},"Enhancement",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[16,"2017-06-08","Mario Lorenzi","Tax Calc","Tax Calc Sheet - delete \"Correct Formula For Serviceability - Don’t Think Arm Can Do This\" Cells L1 to R25",null,null,null,null,null,{"$f":"'Version Control'!$C$5","v":"V6.8 Test (v6.44)"},"Enhancement",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[17,"2017-06-08","Mario Lorenzi","Serviceability","Fix formatting of Financier Cells for Existing Loans",null,null,null,null,null,{"$f":"'Version Control'!$C$5","v":"V6.8 Test (v6.44)"},"Bug",null,null,"Completed","2017-06-15",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[18,"2017-06-19","Trevor Smith","User Problems\nVersion Control","Add Sheets for User Problems and Version Control.",null,null,null,null,null,{"$f":"'Version Control'!$C$6","v":"V6.9 (v6.45)"},"Enhancement",null,null,"Completed","2017-06-20",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[19,"2017-06-19","Angelo Klidomitis","Serviceability","Change Look & Feel as per 4.0 ServiceabilityCalculator.xlsx",null,null,null,null,null,{"$f":"'Version Control'!$C$6","v":"V6.9 (v6.45)"},"Enhancement",null,null,"Completed","2017-06-21",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[20,"2017-05-22","Mario Lorenzi & Bill Slattery","Serviceability","Increase readability of printed version of the sheet",null,null,null,null,null,{"$f":"'Version Control'!C7","v":"V6.10 (v6.46)"},"Enhancement",null,null,"Completed","2017-06-26",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[21,"2017-06-29","Mario Lorenzi","Serviceability","1) Borders missing for  Enter Source of Income, Rental Income, Maintenance, & Other Fixed Monthly Repayments.\n2) Enter a zero in each dollar entry cell so the user is aware it is available for entry.",null,null,null,null,null,{"$f":"'Version Control'!C8","v":"v6.47 Pending"},"Enhancement & Bug",null,null,"Completed","2017-06-29",{"$f":"'Version Control'!$C$9","v":"v6.5"}]
[22,"2018-11-20","Lorraine Taylor ","Servicebility","IF more then three adult in one household please display the mssage",null,null,null,null,null,"V7.3",null,null,null,"Completed","2018-11-20","V7.3"]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[31]
[32]
[33]

{"sheet":"Version Control","index":6,"n_rows":34,"n_cols":10,"rows_kept":34,"cut":false,"hidden":true,"merged":[]}
["Name","Date","Version #","Development Version File Name","Changes","Released Version",null,"Current Version",{"$f":"VLOOKUP($J$1,B2:$I$3984,8,FALSE)","v":"v10.24 230823"},{"$f":"MAX(B2:B3984)","v":"2023-08-23"}]
["Trevor Smith","2017-04-10","V6.4 Test","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\02 Residential Calculator\\2017 05 Changes\\4. REDZED-Serviceability-170410-V6.4 Test2.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"},{"$f":"CONCATENATE(C2,\" \",H2)","v":"V6.4 Test 170410"}]
["Trevor Smith","2017-04-10","V6.4 Test2  (v6.42)","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\02 Residential Calculator\\2017 05 Changes\\4. REDZED-Serviceability-170410-V6.4 Test.xls","User Problem 2",null,{"$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":"0410"},{"$f":"RIGHT(YEAR(B3),2)&G3","v":"170410"},{"$f":"CONCATENATE(C3,\" \",H3)","v":"V6.4 Test2  (v6.42) 170410"}]
["Trevor Smith","2017-05-01","V6.6 Test (v6.43)","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\02 Residential Calculator\\2017 05 Changes\\4. REDZED-Serviceability-170410-V6.6 Test.xls","User Problems 3 - 14 inclusive",null,{"$f":"IFERROR(VLOOKUP(MONTH(B4),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B4),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0501"},"170501","V6.6 Test (v6.43) 170501"]
["Trevor Smith","2017-05-15","V6.8 Test (v6.44)","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\02 Residential Calculator\\2017 05 Changes\\4. REDZED-Serviceability-170410-V6.8 Test.xls","User Problems 15 - 17 inclusive",null,{"$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":"0515"},"170515","V6.8 Test (v6.44) 170515"]
["Trevor Smith","2017-06-21","V6.9 (v6.45)","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\02 Residential Calculator\\2017 05 Changes\\4. REDZED-Serviceability-170410-V6.9.xls","User Problem 18 - 19","Issued to Mario Lorenzi for testing 20 June 2017",{"$f":"IFERROR(VLOOKUP(MONTH(B6),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B6),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0621"},"170621","V6.9 (v6.45) 170621"]
["Trevor Smith","2017-06-27","V6.10 (v6.46)","K:\\IT\\Change_Work Requests\\Work Request\\WR004 - Commercial Calculator\\02 Residential Calculator\\2017 05 Changes\\4. REDZED-Serviceability-170410-V6.10.xls\nA changed versioning system for both this Residential Calculator and the Commercial Calculator was agreed with Tina Georgiadis 26 June 2015 (after receiving feedback from Angel Klidomitis). The last version of the Residential Calculator was named \"4. REDZED-Serviceability-170410-V6.4.xls\". The naming convention is being changed to \"REDZED-Serviceability Type (ie Residential or Commercial) Version Number.xls\". Each release will have a date added as a suffix in the format yymmdd. Because the upcoming release does not contain major ammendments it will be named  \"REDZED-Serviceability Residential v6.5 yymmdd.xls\". This being the case, the naming of the development files should have been as per the bracketed values in the Version # cells (eg 4. REDZED-Serviceability-170410-V6.4 Test.xls should have been 4. REDZED-Serviceability-170410-V6.41.xls)\nTo move to the new numbering system this version was copied and renamed and saved to the new development and release folder structure 26 June 2017. The new location and file name is K:\\Credit\\Servicing Calculator - Residential\\Development - Residential\\REDZED-Serviceability Residential V0.646.xlsm. The released version number for this series of amendments will be v6.5 with a date added in the format yymmdd.","A renamed version + User Problem 20",null,{"$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":"0627"},"170627","V6.10 (v6.46) 170627"]
["Trevor Smith","2017-06-29","v6.47 Pending","K:\\Credit\\Servicing Calculator - Residential\\Development - Residential\\REDZED-Serviceability Residential V0.647.xlsm","User Problem 21",null,{"$f":"IFERROR(VLOOKUP(MONTH(B8),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B8),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0629"},"170629","v6.47 Pending 170629"]
["Trevor Smith","2017-06-30","v6.5",null,null,"K:\\Credit\\Servicing Calculator - Residential\\Current Released Version - Residential\\REDZED-Serviceability Residential V6.5.xlsm",{"$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":"0630"},"170630","v6.5 170630"]
["Mayank Badhen","2018-06-25","V7.1A","Updated the living expense ",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B10),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B10),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0625"},"180625","V7.1A 180625"]
["Mayank Badhen","2018-07-25","V7.2","updated living expense for Company\nselecting household is mandatory\nupdated the tax scale\ncompnay income is always attached to household 1",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B11),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B11),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0725"},"180725","V7.2 180725"]
["Mayank Badhen","2018-12-11","V7.2.1","IF more then three adult in one household please display the mssage",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B12),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B12),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1211"},"181211","V7.2.1 181211"]
["Mayank Badhen","2019-06-26","V7.3","credit card obligations",null,null,{"$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":"0626"},"190626","V7.3 190626"]
["Mayank Badhen","2019-12-02","V7.4","IO term fixed",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B14),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B14),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1202"},"191202","V7.4 191202"]
[null,null,null,null,null,null,{"$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"]
[null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B16),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B16),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"N/A"},"00N/A"," 00N/A"]
[null,null,null,null,null,null,{"$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":"N/A"},"00N/A"," 00N/A"]
["John Jiang","2020-07-30","V10.0","1. Residential calculator \na. 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,{"$f":"IFERROR(VLOOKUP(MONTH(B18),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B18),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0730"},"200730","V10.0 200730"]
["John Jiang","2020-08-13","V10.0 Residential","Changed footer",null,null,{"$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":"0813"},"200813","V10.0 Residential 200813"]
["John Jiang","2020-11-16","V10.1","changed tax bracket to new 2020 tax regulation",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B20),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B20),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1116"},"201116","V10.1 201116"]
["John Jiang","2020-12-17","V10.11","change interest floor rate from 7% to 6%",null,null,{"$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":"1217"},"201217","V10.11 201217"]
["John Jiang","2021-01-15","V10.12","Update HEM table according to Sept 2020 quarter data from HEM",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B22),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B22),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0115"},"210115","V10.12 210115"]
["John Jiang","2021-09-15","V10.13","Update HEM table according to 2021 June quarter HEM review data",null,null,{"$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":"0915"},{"$f":"RIGHT(YEAR(B23),2)&G23","v":"210915"},{"$f":"CONCATENATE(C23,\" \",H23)","v":"V10.13 210915"}]
["John Jiang","2021-10-27","V10.14","Add a footnote in resi calculator only. ","For Company Borrowers DSR must be >1.10",null,{"$f":"IFERROR(VLOOKUP(MONTH(B24),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B24),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"1027"},{"$f":"RIGHT(YEAR(B24),2)&G24","v":"211027"},{"$f":"CONCATENATE(C24,\" \",H24)","v":"V10.14 211027"}]
["Shun","2022-04-06","V10.15","Add DTI Calculation",null,null,{"$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":"0406"},"220406","V10.15 220406"]
["Shun","2022-06-16","V10.16","Update Buffer and Floor Rates  && Add the Total Credit Card Limit values to the Total Debt value && Update HEM Rates Q1 2022",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B26),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B26),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0616"},"220616","V10.16 220616"]
["Shun ","2022-07-15","v10.17","Update tax rate",null,null,{"$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":"0715"},"220715","v10.17 220715"]
["Shun","2022-08-22","v10.18","Update Hem Rate",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B28),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B28),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0822"},"220822","v10.18 220822"]
["Shun ","2022-11-29","v10.19","Update Hem Rate",null,null,{"$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":"1129"},"221129","v10.19 221129"]
["Shun ","2023-03-06","v10.20","Update Hem Rate",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B30),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B30),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0306"},"230306","v10.20 230306"]
["Shun","2023-05-23","v10.21","Update Hem Rate",null,null,{"$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":"0523"},"230523","v10.21 230523"]
["Shun","2023-08-03","v10.22","Split 3 Loans",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B32),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B32),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0803"},"230803","v10.22 230803"]
["Shun","2023-08-15","v10.23","Update APR Buffer",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B33),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B33),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0815"},"230815","v10.23 230815"]
["Shun","2023-08-23","v10.24","Update HEM Rate",null,null,{"$f":"IFERROR(VLOOKUP(MONTH(B34),'Day and Months Table'!A:B,2,FALSE)&VLOOKUP(DAY(B34),'Day and Months Table'!A:B,2,FALSE),\"N/A\")","v":"0823"},"230823","v10.24 230823"]

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