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{"sheet":"CALCULATOR","index":0,"n_rows":82,"n_cols":33,"rows_kept":82,"cut":false,"hidden":false,"merged":[[59,8,60,8],[41,18,47,22],[53,18,67,22],[21,4,21,8],[33,4,33,8],[35,4,35,8],[37,4,37,8],[37,11,37,13],[27,4,27,8],[57,12,57,13],[59,12,60,13],[43,31,43,32],[41,4,41,14],[55,4,55,6],[25,4,25,8],[29,4,29,8],[45,12,45,13],[47,12,47,13],[49,12,49,13],[51,12,51,13],[53,12,53,13],[55,12,55,13],[7,4,7,14],[7,18,7,22],[25,18,25,22],[15,4,15,8],[13,4,13,8],[11,4,11,8],[17,4,17,8],[23,4,23,8],[19,4,19,8],[11,11,11,13],[13,11,13,13],[15,11,15,13],[19,11,19,13]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"LOAN & POLICY DETAILS",null,null,null,null,null,null,null,null,null,null,null,null,null,"SECURITY DETAILS"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VALUE ","        OCCUPANCY","STATE"]
[]
[null,null,null,null,"Applicant Name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1]
[]
[null,null,null,null,"Lending System Reference Number",null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1]
[]
[null,null,null,null,"Base Loan Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1]
[]
[null,null,null,null,"Previous Base Premium Paid",null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1]
[]
[]
[]
[null,null,null,null,"Borrower Type",null,null,null,null,null,null,null,1]
[]
[null,null,null,null,"Loan Purpose",null,null,null,null,null,null,null,1,null,null,null,null,null,"SUMMARY"]
[]
[null,null,null,null,"First Home Buyer",null,null,null,null,null,null,null,1,null,null,null,null,null,"TOTAL LOAN AMOUNT",null,{"$f":"AG28","v":0},null,null,null,null,null,null,null,null,null,null,"Total Loan Amount",{"$f":"L16","v":0}]
[]
[null,null,null,null,"Self Employed",null,null,null,null,null,null,null,1,null,null,null,null,null,"POST CAP. LOAN AMOUNT",null,{"$f":"AG30","v":0},null,null,null,null,null,null,null,null,null,null,"Post Cap. Loan Amount",{"$f":"IF(AND(L16>0,M34=2,I60<> \"Refer\"),L16+I60,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL SECURITY VALUE",null,{"$f":"AG32","v":0},null,null,null,null,null,null,null,null,null,null,"Total Security Value",{"$f":"DATA!G63","v":0}]
[]
[null,null,null,null,"Capitalised Premium ",null,null,null,null,null,null,null,1,null,null,null,null,null,"PREDOMINANT SEC. TYPE",null,{"$f":"AG34","v":""},null,null,null,null,null,null,null,null,null,null,"Predom. Sec Type",{"$f":"DATA!K29","v":""}]
[]
[null,null,null,null,"Payment Option",null,null,null,null,null,null,null,1,null,null,null,null,null,"BASE LVR %",null,{"$f":"AG36","v":0},null,null,null,null,null,null,null,null,null,null,"Base LVR",{"$f":"IFERROR(U28/U32,0)","v":0}]
[]
[null,null,null,null,{"$f":"IF($M$36=2,\"Number of Months\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL CAPITALISED LVR %",null,{"$f":"AG38","v":0},null,null,null,null,null,null,null,null,null,null,"Cap LVR",{"$f":"DATA!G14","v":0}]
[]
[]
[]
[null,null,null,null,"PREMIUM DETAILS",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF44","v":"PLEASE ENTER A VALID LOAN AMOUNT"},null,null,null,null,null,null,null,null,null,null,null,null,"ERROR MESSAGE"]
[]
[null,null,null,null,null,null,null,null,"Upfront Premium ",null,null,null,"Monthly Premium",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(L16=\"\",\"PLEASE ENTER A VALID LOAN AMOUNT\",IF(OR(S12=0,T12=1,U12=1),\"INVALID SECURITY DETAILS\",IF(DATA!G14>0.9501,\"WARNING: TOTAL CAPITALISED LVR EXCEEDS 95%\",IF(AND(M24=1,DATA!G5>2500000),\"WARNING: MAXIMUM LOAN AMOUNT EXCEEDED\",IF(AND(U34=\"Investment\",DATA!G14>0.9001),\"WARNING: LVR EXCEEDS 90% FOR AN INVESTMENT LOAN\",IF(AND(OR(M24=2,M24=3),OR(DATA!G14>0.8501,DATA!G5>1500000.01)),\"WARNING: MAXIMUM LVR OR LOAN AMOUNT EXCEEDED FOR NON-RESIDENT OR EXPAT BORROWER TYPE\",IF(AND(M28=2,U34=\"Investment\"),\"WARNING: FIRST HOME BUYERS CANNOT BE CLASSIFIED AS INVESTORS\",IF(AND(OR(M24=2,M24=3),M36=2),\"WARNING: MONTHLY PAYMENT OPTION NOT AVAILABLE FOR NON-RESIDENT OR EXPAT BORROWER TYPE\",IF(AND(M34=2,M36=2),\"WARNING: CANNOT CAPITALISE PREMIUM FOR MONTHLY PAYMENT OPTION\",IF(AND(M36=2,OR(L38<=1,L38>60)),\"PLEASE SELECT NUMBER OF MONTHS BETWEEN 2-60\",IF(AND(M36=2,L20>0),\"WARNING: PREMIUM CREDIT NOT APPLICABLE FOR MONTHLY PAYMENT OPTION\",\"\")))))))))))","v":"PLEASE ENTER A VALID LOAN AMOUNT"}]
[]
[null,null,null,null,"Base Premium",null,null,null,{"$f":"AG75","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF75,NA())","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,"Less Previous Premium Paid",null,null,null,{"$f":"AG76","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF76,NA())","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,"Subtotal",null,null,null,{"$f":"AG77","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF77,NA())","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,"GST",null,null,null,{"$f":"AG78","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF78,NA())","v":{"$error":"#N/A"}},null,null,null,null,null,null,"DISCLAIMER"]
[]
[null,null,null,null,"Stamp Duty",null,null,null,{"$f":"AG79","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF79,NA())","v":{"$error":"#N/A"}},null,null,null,null,null,"This calculator does not constitute an offer of credit or lenders mortgage insurance (“LMI”) and is an estimate based on the information entered into the calculator.  The output of this calculator is indicative only and is subject to change based on any final approval from ColCap and Arch Lenders Mortgage Indemnity Limited (“Arch Indemnity”). This calculator is for use by authorised advisers, brokers and ColCap employees when providing LMI quotations and is not for use by retail customers.\n\nArch Indemnity makes this quotation tool available to ColCap on a strictly confidential basis and the tool including any part of it and any information derived from it must not be disclosed to any person except with Arch Indemnity’s consent. "]
[]
[null,null,null,null,"Lender Payable Premium",null,null,null,{"$f":"AG80","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF80,NA())","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,"Less Gov't Credits (RITC)",null,null,null,{"$f":"AG81","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF81,NA())","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,"Customer Payable Premium",null,null,null,{"$f":"AG82","v":"Refer"},null,null,null,{"$f":"IF(M36=2,AF82,NA())","v":{"$error":"#N/A"}}]
[]
[]
[]
[null,null,null,null,null,null,null,null,"QUOTE DATE"]
[]
[null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2022-09-27"}]
[]
[null,null,null,null,"version 7.0"]
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[]
[]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CUSTOMER PAYABLE PREMIUM",null,null,"Upfront"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prev. Premium Paid",null,{"$f":"IF(AF75=\"Refer\",\"Refer\",DATA!G39)","v":"Refer"},{"$f":"IF(AG75=\"Refer\",\"Refer\",DATA_UP!G39)","v":"Refer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Subtotal",null,{"$f":"IF(AF75=\"Refer\",\"Refer\",DATA!G41)","v":"Refer"},{"$f":"IF(AG75=\"Refer\",\"Refer\",DATA_UP!G41)","v":"Refer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GST",null,{"$f":"IF(AF75=\"Refer\",\"Refer\",DATA!G42)","v":"Refer"},{"$f":"IF(AG75=\"Refer\",\"Refer\",DATA_UP!G42)","v":"Refer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stamp Duty",null,{"$f":"IF(AF75=\"Refer\",\"Refer\",DATA!G47)","v":"Refer"},{"$f":"IF(AG75=\"Refer\",\"Refer\",DATA_UP!G47)","v":"Refer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium + GST &SD",null,{"$f":"IFERROR(AF77+AF78+AF79,\"Refer\")","v":"Refer"},{"$f":"IFERROR(AG77+AG78+AG79,\"Refer\")","v":"Refer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RITC",null,{"$f":"IF(AF75=\"Refer\",\"Refer\",DATA!G44)","v":"Refer"},{"$f":"IF(AG75=\"Refer\",\"Refer\",DATA_UP!G44)","v":"Refer"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,{"$f":"IF(AF75=\"Refer\",\"Refer\",DATA!G49)","v":"Refer"},{"$f":"IF(AG75=\"Refer\",\"Refer\",DATA_UP!G49)","v":"Refer"}]

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["LOADERS/DISCOUNTS",null,null,null,"CALCULATIONS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate Card","Standard","Base_Rates_STANDARD"]
["PURPOSE",null,null,null,"POLICY SUMMARY",null,null,null,null,"LOADERS/DISCOUNTS APPLICABLE",null,null,null,null,"Non-Resident","Rates_NR_EXPAT"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expat","Rates_NR_EXPAT"]
[null,null,"Loader",null,"Total Loan Amount",null,{"$f":"CALCULATOR!U28","v":0},null,null,"Rate Card Reference",null,{"$f":"IF(G20=B79,VLOOKUP(G12,O2:P4,2,FALSE),IF(OR(CALCULATOR!M24=2,CALCULATOR!M24=3),\"Refer\",VLOOKUP(G22,O5:P6,2,FALSE)))","v":"Base_Rates_STANDARD"},null,null,"PBTM_OO","Rates_PBTM_OO"]
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[3,"Internal Refinance",1,null,"Loan Purpose",null,{"$f":"VLOOKUP(CALCULATOR!M26,DATA!A6:B11,2,FALSE)","v":"Purchase or Construction"},null,null,"Self Employed Loader",null,{"$f":"IF(OR(L5=$P$2,L5=$P$5,L5=$P$6),VLOOKUP(G10,B24:C25,2,FALSE),1)","v":1}]
[4,"External Refinance/Debt Consolidation",1.05,null,"Occupancy Type",null,{"$f":"K29","v":""},null,null,"Occupancy Type Loader",null,{"$f":"IF(L5=$P$2,VLOOKUP(G9,B38:C40,2,FALSE),1)","v":{"$error":"#N/A"}}]
[5,"Equity Release (or Cash-out)",1.05,null,"Self-Employed?",null,{"$f":"VLOOKUP(CALCULATOR!M30,DATA!A24:B25,2,FALSE)","v":"No"},null,null,"Borrower Type Loader",null,{"$f":"VLOOKUP(G12,B31:C33,2,FALSE)","v":1}]
[null,null,null,null,"First Home Buyer?",null,{"$f":"VLOOKUP(CALCULATOR!M28,DATA!A16:B17,2,FALSE)","v":"No"},null,null,"First Home Buyer Discount",null,{"$f":"IF(OR(L5=$P$2,L5=$P$5,L5=$P$6),VLOOKUP(G11,B16:C17,2,FALSE),1)","v":1}]
[null,null,null,null,"Borrower Type",null,{"$f":"VLOOKUP(CALCULATOR!M24,$A$31:$B$33,2,FALSE)","v":"Standard"},null,null,"Premium Rate (Adj. for Loaders)",null,{"$f":"IFERROR(PRODUCT(L6:L11),0)","v":0}]
["FIRST HOME BUYER",null,null,null,null,null,null,"Capitalised Premium"]
[null,null,null,null,"Capitalised LVR",null,{"$f":"IF(AND($H$14=\"Yes\",G5<>0),IFERROR((G49+G5)/G6,\"REFER\"),IFERROR((G5/G6),0))","v":0},{"$f":"IF(CALCULATOR!M34=2,\"Yes\",IF(CALCULATOR!M34=1,\"No\",\"NA\"))","v":"No"},null,"Upfront"]
[null,null,"Discount",null,null,null,null,null,null,"Premium Rate"]
[1,"No",1,null,null,null,null,null,null,"Premium Rate (Adj. for Loaders)"]
[2,"Yes",{"$f":"IF(G20=B79,0.9,0.925)","v":0.9}]
[null,null,null,null,"PAYMENT TYPE"]
[]
[null,null,null,null,"Payment Option",null,{"$f":"VLOOKUP(CALCULATOR!M36,DATA!A79:B80,2,FALSE)","v":"Upfront "}]
["SELF-EMPLOYED",null,null,null,"No. of Months",null,{"$f":"IF(G20=B79,NA(),IF(OR(CALCULATOR!L38=1,CALCULATOR!L38>60),\"Refer\",ROUND(CALCULATOR!L38,0)))","v":{"$error":"#N/A"}}]
[null,null,null,null,"PBTM Product",null,{"$f":"IF(AND(G20=B80,K29=B39),O5,IF(AND(G20=B80,K29=B40),O6,NA()))","v":{"$error":"#N/A"}}]
[null,null,"Loader"]
[1,"No",1]
[2,"Yes",1.1000000000000001,null,"OCCUPANCY TYPE BY SECURITY "]
[]
[null,null,null,null,null,null,"VALUE","% of Total "]
["BORROWER TYPE",null,null,null,"Owner Occupied",null,{"$f":"SUMIFS($G$56:$G$60,$K$56:$K$60,E28)","v":0},{"$f":"IFERROR(G28/$G$30,0)","v":0},null,null,"Predominant Security Type"]
[null,null,null,null,"Investment",null,{"$f":"SUMIFS($G$56:$G$60,$K$56:$K$60,E29)","v":0},{"$f":"IFERROR(G29/$G$30,0)","v":0},null,null,{"$f":"IF(AND(H28=0,H29=0),\"\",IF(H29>H28,E29,E28))","v":""}]
[null,null,"Loader",null,null,null,{"$f":"SUM(G28:G29)","v":0}]
[1,"Standard",1]
[2,"Non-Resident",1]
[3,"Expat",1]
[]
["OCCUPANCY TYPE",null,null,null,"PREMIUM PAYABLE "]
[null,null,null,null,"Minimum Premium Applicable",null,{"$f":"IF(G20=B79,VLOOKUP(G12,A73:C75,3,FALSE),VLOOKUP(G12,A73:C75,3,FALSE)/G21)","v":1000},null,null,"MONTHLY","Minimum Premium Applicable",{"$f":"VLOOKUP(G12,A73:C75,3,FALSE)/G21","v":{"$error":"#N/A"}}]
[null,null,"Loader"]
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[2,"Owner Occupied",1,null,"Less Premium Already Paid",null,{"$f":"IF(G20=B80,0,CALCULATOR!L20)","v":0},null,null,null,"Less Premium Already Paid",0]
[3,"Investment",1.1499999999999999,null,"Net Premium Applicable",null,{"$f":"IFERROR(G38-G39,0)","v":0},null,null,null,"Net Premium Applicable",{"$f":"IFERROR(L38-L39,0)","v":0}]
[null,null,null,null,"Total Net Premium Payable",null,{"$f":"IF(G7<H7,\"Refer\",IF(G6=0,\"Refer\",IFERROR(IF(G40>G36,G40,G36),0)))","v":"Refer"},null,null,null,"Total Net Premium Payable",{"$f":"IF(G7<H7,\"Refer\",IF(G6=0,\"Refer\",IFERROR(IF(G40>G36,G40,G36),0)))","v":"Refer"}]
[null,null,null,null,null,"GST Amount (10%)",{"$f":"IFERROR(ROUND(G41*0.1,2),0)","v":0},null,null,null,"GST Amount (10%)",{"$f":"IFERROR(ROUND(L41*0.1,2),0)","v":0}]
[null,null,null,null,"Total Premium Payable including GST",null,{"$f":"IFERROR(G41+G42,0)","v":0},null,null,null,"Total Premium Payable including GST",{"$f":"IFERROR(L41+L42,0)","v":0}]
[null,null,null,null,null,"RITC = 75% of GST ",{"$f":"IFERROR(ROUND(G42*0.75,2),0)","v":0},null,null,null,"RITC = 75% of GST ",{"$f":"IFERROR(ROUND(L42*0.75,2),0)","v":0}]
[null,null,null,null,"Total Premium Payable less RITC",null,{"$f":"IF(G41=\"Refer\",\"Refer\",G43-G44)","v":"Refer"},null,null,null,"Total Premium Payable less RITC",{"$f":"IF(L41=\"Refer\",\"Refer\",L43-L44)","v":"Refer"}]
[]
[null,null,null,null,"Total Stamp Duty Applicable",null,{"$f":"IFERROR(J63,0)","v":0},null,null,null,"Total Stamp Duty Applicable",{"$f":"IFERROR(O63,0)","v":0}]
[]
[null,null,null,null,"Customer LMI Premium Payable",null,{"$f":"IFERROR(G45+G47,\"ERROR\")","v":"ERROR"},null,null,null,"Customer LMI Premium Payable",{"$f":"IFERROR(L45+L47,\"ERROR\")","v":"ERROR"}]
[]
[]
[]
["STAMP DUTY"]
[]
[null,null,"Stamp Duty",null,"#","STATE","VALUE","STAMP DUTY %","APPORTIONED","STAMP DUTY $","OCCCUPANCY TYPE"]
[1,null,0,null,1,{"$f":"IF(INDEX(DATA!$B$56:$B$64,CALCULATOR!$U12)<>0,INDEX(DATA!$B$56:$B$64,CALCULATOR!$U12),\"\")","v":""},{"$f":"CALCULATOR!$S$12","v":0},{"$f":"IF(ISNA(VLOOKUP(F56,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F56,$B$56:$C$64,2,FALSE))","v":""},{"$f":"IFERROR($G$56:$G$60/$G$63,\"\")","v":""},{"$f":"IFERROR(ROUND($G$43*H56*I56,2),0)","v":0},{"$f":"IF(INDEX(DATA!$B$38:$B$40,CALCULATOR!$T12)<>0,INDEX(DATA!$B$38:$B$40,CALCULATOR!$T12),\"\")","v":""}]
[2,"NSW",0,null,2,{"$f":"IF(INDEX(DATA!$B$56:$B$64,CALCULATOR!$U14)<>0,INDEX(DATA!$B$56:$B$64,CALCULATOR!$U14),\"\")","v":""},{"$f":"CALCULATOR!$S$14","v":0},{"$f":"IF(ISNA(VLOOKUP(F57,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F57,$B$56:$C$64,2,FALSE))","v":""},{"$f":"IFERROR($G$56:$G$60/$G$63,\"\")","v":""},{"$f":"IFERROR(ROUND($G$43*H57*I57,2),0)","v":0},{"$f":"IF(INDEX(DATA!$B$38:$B$40,CALCULATOR!$T14)<>0,INDEX(DATA!$B$38:$B$40,CALCULATOR!$T14),\"\")","v":""}]
[3,"QLD",0.09,null,3,{"$f":"IF(INDEX(DATA!$B$56:$B$64,CALCULATOR!$U16)<>0,INDEX(DATA!$B$56:$B$64,CALCULATOR!$U16),\"\")","v":""},{"$f":"CALCULATOR!$S$16","v":0},{"$f":"IF(ISNA(VLOOKUP(F58,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F58,$B$56:$C$64,2,FALSE))","v":""},{"$f":"IFERROR($G$56:$G$60/$G$63,\"\")","v":""},{"$f":"IFERROR(ROUND($G$43*H58*I58,2),0)","v":0},{"$f":"IF(INDEX(DATA!$B$38:$B$40,CALCULATOR!$T16)<>0,INDEX(DATA!$B$38:$B$40,CALCULATOR!$T16),\"\")","v":""}]
[4,"VIC",0.1,null,4,{"$f":"IF(INDEX(DATA!$B$56:$B$64,CALCULATOR!$U18)<>0,INDEX(DATA!$B$56:$B$64,CALCULATOR!$U18),\"\")","v":""},{"$f":"CALCULATOR!$S$18","v":0},{"$f":"IF(ISNA(VLOOKUP(F59,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F59,$B$56:$C$64,2,FALSE))","v":""},"",{"$f":"IFERROR(ROUND($G$43*H59*I59,2),0)","v":0},{"$f":"IF(INDEX(DATA!$B$38:$B$40,CALCULATOR!$T18)<>0,INDEX(DATA!$B$38:$B$40,CALCULATOR!$T18),\"\")","v":""}]
[5,"SA",0.11,null,5,{"$f":"IF(INDEX(DATA!$B$56:$B$64,CALCULATOR!$U20)<>0,INDEX(DATA!$B$56:$B$64,CALCULATOR!$U20),\"\")","v":""},{"$f":"CALCULATOR!$S$20","v":0},{"$f":"IF(ISNA(VLOOKUP(F60,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F60,$B$56:$C$64,2,FALSE))","v":""},"",{"$f":"IFERROR(ROUND($G$43*H60*I60,2),0)","v":0},{"$f":"IF(INDEX(DATA!$B$38:$B$40,CALCULATOR!$T20)<>0,INDEX(DATA!$B$38:$B$40,CALCULATOR!$T20),\"\")","v":""}]
[6,"WA",0.1]
[7,"TAS",0.1]
[8,"NT",0.1,null,null,null,{"$f":"SUM(G56:G60)","v":0},null,null,{"$f":"SUM(J56:J60)","v":0}]
[9,"ACT",0]
[]
["CAPITALISED PREMIUM"]
[]
[1,"No"]
[2,"Yes"]
[]
["MINIMUM PREMIUM"]
[]
["Standard",null,1000]
["Non-Resident",null,1400]
["Expat",null,1400]
[]
["PAYMENT OPTION"]
[]
[1,"Upfront "]
[2,"Monthly "]

{"sheet":"DATA_UP","index":2,"n_rows":80,"n_cols":16,"rows_kept":80,"cut":false,"hidden":true,"merged":[[35,9,48,9],[52,0,52,11],[65,0,65,2],[70,0,70,2],[76,0,76,2],[34,0,34,2],[34,4,34,11],[0,0,0,2],[0,4,0,11],[1,13,5,13],[2,0,2,2],[2,4,2,6],[2,7,2,8],[2,9,2,11],[12,0,12,2],[17,4,17,11],[20,0,20,2],[24,4,24,11],[27,0,27,2]]}
["LOADERS/DISCOUNTS",null,null,null,"CALCULATIONS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate Card","Standard","Base_Rates_STANDARD"]
["PURPOSE",null,null,null,"POLICY SUMMARY",null,null,null,null,"LOADERS/DISCOUNTS APPLICABLE",null,null,null,null,"Non-Resident","Rates_NR_EXPAT"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expat","Rates_NR_EXPAT"]
[null,null,"Loader",null,"Total Loan Amount",null,{"$f":"CALCULATOR!U28","v":0},null,null,"Rate Card Reference",null,{"$f":"IF(G20=B79,VLOOKUP(G12,O2:P4,2,FALSE),IF(OR(CALCULATOR!M24=2,CALCULATOR!M24=3),\"Refer\",VLOOKUP(G22,O5:P6,2,FALSE)))","v":"Base_Rates_STANDARD"},null,null,"PBTM_OO","Rates_PBTM_OO"]
[1,"Purchase or Construction",1,null,"Total Security Value",null,{"$f":"G63","v":0},"Minimum LVR",null,"Premium Rate",null,{"$f":"IFERROR(INDEX(INDIRECT(L5),MATCH(G7,LVR,1),IF(G20=B80,MATCH(G5,LOAN_SIZE_PBTM,1),MATCH(G5,LOAN_SIZE,1))),0)","v":0},null,null,"PBTM_INV","Rates_PBTM_INV"]
[2,"Home Improvement/Renovation",1,null,"Base LVR",null,{"$f":"IFERROR(G5/G6,0)","v":0},{"$f":"0","v":0},null,"Loan Purpose Loader",null,{"$f":"IF(OR(L5=$P$2,L5=$P$5,L5=$P$6),VLOOKUP(G8,B6:C10,2,FALSE),1)","v":1}]
[3,"Internal Refinance",1,null,"Loan Purpose",null,{"$f":"VLOOKUP(CALCULATOR!M26,DATA_UP!A6:B11,2,FALSE)","v":"Purchase or Construction"},null,null,"Self Employed Loader",null,{"$f":"IF(OR(L5=$P$2,L5=$P$5,L5=$P$6),VLOOKUP(G10,B24:C25,2,FALSE),1)","v":1}]
[4,"External Refinance/Debt Consolidation",1.05,null,"Occupancy Type",null,{"$f":"K29","v":""},null,null,"Occupancy Type Loader",null,{"$f":"IF(L5=$P$2,VLOOKUP(G9,B38:C40,2,FALSE),1)","v":{"$error":"#N/A"}}]
[5,"Equity Release (or Cash-out)",1.05,null,"Self-Employed?",null,{"$f":"VLOOKUP(CALCULATOR!M30,DATA_UP!A24:B25,2,FALSE)","v":"No"},null,null,"Borrower Type Loader",null,{"$f":"VLOOKUP(G12,B31:C33,2,FALSE)","v":1}]
[null,null,null,null,"First Home Buyer?",null,{"$f":"VLOOKUP(CALCULATOR!M28,DATA_UP!A16:B17,2,FALSE)","v":"No"},null,null,"First Home Buyer Discount",null,{"$f":"IF(OR(L5=$P$2,L5=$P$5,L5=$P$6),VLOOKUP(G11,B16:C17,2,FALSE),1)","v":1}]
[null,null,null,null,"Borrower Type",null,{"$f":"VLOOKUP(CALCULATOR!M24,$A$31:$B$33,2,FALSE)","v":"Standard"},null,null,"Premium Rate (Adj. for Loaders)",null,{"$f":"IFERROR(PRODUCT(L6:L11),0)","v":0}]
["FIRST HOME BUYER",null,null,null,null,null,null,"Capitalised Premium"]
[null,null,null,null,"Capitalised LVR",null,{"$f":"IF(AND($H$14=\"Yes\",G5<>0),IFERROR((G49+G5)/G6,\"REFER\"),IFERROR((G5/G6),0))","v":0},{"$f":"IF(CALCULATOR!M34=2,\"Yes\",IF(CALCULATOR!M34=1,\"No\",\"NA\"))","v":"No"},null,"Upfront"]
[null,null,"Discount",null,null,null,null,null,null,"Premium Rate"]
[1,"No",1,null,null,null,null,null,null,"Premium Rate (Adj. for Loaders)"]
[2,"Yes",{"$f":"IF(G20=B79,0.9,0.925)","v":0.9}]
[null,null,null,null,"PAYMENT TYPE"]
[]
[null,null,null,null,"Payment Option",null,"Upfront "]
["SELF-EMPLOYED",null,null,null,"No. of Months",null,{"$f":"IF(G20=B79,NA(),IF(OR(CALCULATOR!L38=1,CALCULATOR!L38>60),\"Refer\",ROUND(CALCULATOR!L38,0)))","v":{"$error":"#N/A"}}]
[null,null,null,null,"PBTM Product",null,{"$f":"IF(AND(G20=B80,K29=B39),O5,IF(AND(G20=B80,K29=B40),O6,NA()))","v":{"$error":"#N/A"}}]
[null,null,"Loader"]
[1,"No",1]
[2,"Yes",1.1000000000000001,null,"OCCUPANCY TYPE BY SECURITY "]
[]
[null,null,null,null,null,null,"VALUE","% of Total "]
["BORROWER TYPE",null,null,null,"Owner Occupied",null,{"$f":"SUMIFS($G$56:$G$60,$K$56:$K$60,E28)","v":0},{"$f":"IFERROR(G28/$G$30,0)","v":0},null,null,"Predominant Security Type"]
[null,null,null,null,"Investment",null,{"$f":"SUMIFS($G$56:$G$60,$K$56:$K$60,E29)","v":0},{"$f":"IFERROR(G29/$G$30,0)","v":0},null,null,{"$f":"IF(AND(H28=0,H29=0),\"\",IF(H29>H28,E29,E28))","v":""}]
[null,null,"Loader",null,null,null,{"$f":"SUM(G28:G29)","v":0}]
[1,"Standard",1]
[2,"Non-Resident",1]
[3,"Expat",1]
[]
["OCCUPANCY TYPE",null,null,null,"PREMIUM PAYABLE "]
[null,null,null,null,"Minimum Premium Applicable",null,{"$f":"IF(G20=B79,VLOOKUP(G12,A73:C75,3,FALSE),VLOOKUP(G12,A73:C75,3,FALSE)/G21)","v":1000},null,null,"MONTHLY","Minimum Premium Applicable",{"$f":"VLOOKUP(G12,A73:C75,3,FALSE)/G21","v":{"$error":"#N/A"}}]
[null,null,"Loader"]
[1,null,1,null,"Calculated Premium",null,{"$f":"_xlfn.IFNA(IF(G6=0,\"Refer\",IF(L5=\"Refer\",\"Refer\",IF(L6=\"Refer\",\"Refer\",IF(G20=B79,IFERROR((G5*L12/100),0),IFERROR((G5*L12/100/G21),0))))),\"Refer\")","v":"Refer"},null,null,null,"Calculated Premium",{"$f":"IFERROR((G5*L12/100/G21),NA())","v":{"$error":"#N/A"}}]
[2,"Owner Occupied",1,null,"Less Premium Already Paid",null,{"$f":"IF(G20=B80,0,CALCULATOR!L20)","v":0},null,null,null,"Less Premium Already Paid",0]
[3,"Investment",1.1499999999999999,null,"Net Premium Applicable",null,{"$f":"IFERROR(G38-G39,0)","v":0},null,null,null,"Net Premium Applicable",{"$f":"IFERROR(L38-L39,0)","v":0}]
[null,null,null,null,"Total Net Premium Payable",null,{"$f":"IF(G7<H7,\"Refer\",IF(G6=0,\"Refer\",IFERROR(IF(G40>G36,G40,G36),0)))","v":"Refer"},null,null,null,"Total Net Premium Payable",{"$f":"IF(G7<H7,\"Refer\",IF(G6=0,\"Refer\",IFERROR(IF(G40>G36,G40,G36),0)))","v":"Refer"}]
[null,null,null,null,null,"GST Amount (10%)",{"$f":"IFERROR(ROUND(G41*0.1,2),0)","v":0},null,null,null,"GST Amount (10%)",{"$f":"IFERROR(ROUND(L41*0.1,2),0)","v":0}]
[null,null,null,null,"Total Premium Payable including GST",null,{"$f":"IFERROR(G41+G42,0)","v":0},null,null,null,"Total Premium Payable including GST",{"$f":"IFERROR(L41+L42,0)","v":0}]
[null,null,null,null,null,"RITC = 75% of GST ",{"$f":"IFERROR(ROUND(G42*0.75,2),0)","v":0},null,null,null,"RITC = 75% of GST ",{"$f":"IFERROR(ROUND(L42*0.75,2),0)","v":0}]
[null,null,null,null,"Total Premium Payable less RITC",null,{"$f":"IF(G41=\"Refer\",\"Refer\",G43-G44)","v":"Refer"},null,null,null,"Total Premium Payable less RITC",{"$f":"IF(L41=\"Refer\",\"Refer\",L43-L44)","v":"Refer"}]
[]
[null,null,null,null,"Total Stamp Duty Applicable",null,{"$f":"IFERROR(J63,0)","v":0},null,null,null,"Total Stamp Duty Applicable",{"$f":"IFERROR(O63,0)","v":0}]
[]
[null,null,null,null,"Customer LMI Premium Payable",null,{"$f":"IFERROR(G45+G47,\"ERROR\")","v":"ERROR"},null,null,null,"Customer LMI Premium Payable",{"$f":"IFERROR(L45+L47,\"ERROR\")","v":"ERROR"}]
[]
[]
[]
["STAMP DUTY"]
[]
[null,null,"Stamp Duty",null,"#","STATE","VALUE","STAMP DUTY %","APPORTIONED","STAMP DUTY $","OCCCUPANCY TYPE"]
[1,null,0,null,1,{"$f":"IF(INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U12)<>0,INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U12),\"\")","v":""},{"$f":"CALCULATOR!$S$12","v":0},{"$f":"IF(ISNA(VLOOKUP(F56,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F56,$B$56:$C$64,2,FALSE))","v":""},{"$f":"IFERROR($G$56:$G$60/$G$63,\"\")","v":""},{"$f":"IFERROR(ROUND($G$43*H56*I56,2),0)","v":0},{"$f":"IF(INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T12)<>0,INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T12),\"\")","v":""}]
[2,"NSW",0,null,2,{"$f":"IF(INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U14)<>0,INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U14),\"\")","v":""},{"$f":"CALCULATOR!$S$14","v":0},{"$f":"IF(ISNA(VLOOKUP(F57,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F57,$B$56:$C$64,2,FALSE))","v":""},{"$f":"IFERROR($G$56:$G$60/$G$63,\"\")","v":""},{"$f":"IFERROR(ROUND($G$43*H57*I57,2),0)","v":0},{"$f":"IF(INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T14)<>0,INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T14),\"\")","v":""}]
[3,"QLD",0.09,null,3,{"$f":"IF(INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U16)<>0,INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U16),\"\")","v":""},{"$f":"CALCULATOR!$S$16","v":0},{"$f":"IF(ISNA(VLOOKUP(F58,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F58,$B$56:$C$64,2,FALSE))","v":""},{"$f":"IFERROR($G$56:$G$60/$G$63,\"\")","v":""},{"$f":"IFERROR(ROUND($G$43*H58*I58,2),0)","v":0},{"$f":"IF(INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T16)<>0,INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T16),\"\")","v":""}]
[4,"VIC",0.1,null,4,{"$f":"IF(INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U18)<>0,INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U18),\"\")","v":""},{"$f":"CALCULATOR!$S$18","v":0},{"$f":"IF(ISNA(VLOOKUP(F59,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F59,$B$56:$C$64,2,FALSE))","v":""},"",{"$f":"IFERROR(ROUND($G$43*H59*I59,2),0)","v":0},{"$f":"IF(INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T18)<>0,INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T18),\"\")","v":""}]
[5,"SA",0.11,null,5,{"$f":"IF(INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U20)<>0,INDEX(DATA_UP!$B$56:$B$64,CALCULATOR!$U20),\"\")","v":""},{"$f":"CALCULATOR!$S$20","v":0},{"$f":"IF(ISNA(VLOOKUP(F60,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F60,$B$56:$C$64,2,FALSE))","v":""},"",{"$f":"IFERROR(ROUND($G$43*H60*I60,2),0)","v":0},{"$f":"IF(INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T20)<>0,INDEX(DATA_UP!$B$38:$B$40,CALCULATOR!$T20),\"\")","v":""}]
[6,"WA",0.1]
[7,"TAS",0.1]
[8,"NT",0.1,null,null,null,{"$f":"SUM(G56:G60)","v":0},null,null,{"$f":"SUM(J56:J60)","v":0}]
[9,"ACT",0]
[]
["CAPITALISED PREMIUM"]
[]
[1,"No"]
[2,"Yes"]
[]
["MINIMUM PREMIUM"]
[]
["Standard",null,1000]
["Non-Resident",null,1400]
["Expat",null,1400]
[]
["PAYMENT OPTION"]
[]
[1,"Upfront "]
[2,"Monthly "]

{"sheet":"RATE_CARD","index":3,"n_rows":103,"n_cols":9,"rows_kept":103,"cut":false,"hidden":true,"merged":[[0,0,0,12],[26,0,26,12],[52,0,52,12],[78,0,78,12]]}
["Arch LMI Base Rates - STANDARD"]
["Pricing as at 15th May 2022"]
[]
["STANDARD",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M"]
[null,null,0,300001,500001,750001,1000001,1500001,2000001]
["Up to 75%",1.0000000000000001E-5,0.38,0.41,0.56000000000000005,0.64,0.76,0.76,0.76]
["75.01 - 76% ",0.75004999999999999,0.42,0.45,0.61,0.74,0.82,0.82,0.82]
["76.01 - 78% ",0.76005,0.42,0.48,0.61,0.75,0.83,0.83,0.83]
["78.01 - 80%",0.78005000000000002,0.44,0.51,0.68,0.75,0.85,0.85,0.85]
[" 80.01 - 81% ",0.80005000000000004,0.49,0.56999999999999995,0.76,0.77,0.88,0.88,0.88]
[" 81.01 - 82% ",0.81005000000000005,0.49,0.57999999999999996,0.76,0.82,0.88,0.88,0.88]
[" 82.01 - 83% ",0.82004999999999995,0.6,0.73,0.95,1.03,1.18,1.18,1.18]
[" 83.01 - 84% ",0.83004999999999995,0.68,0.85,0.98,1.1599999999999999,1.23,1.23,1.23]
[" 84.01 - 85% ",0.84004999999999996,0.77,0.99,1.1200000000000001,1.31,1.44,1.44,1.44]
[" 85.01 - 86% ",0.85004999999999997,0.87,1.1100000000000001,1.25,1.41,1.5,1.5,1.5]
[" 86.01 - 87% ",0.86004999999999998,0.92,1.17,1.37,1.5,1.72,1.72,1.72]
[" 87.01 - 88% ",0.87004999999999999,1.04,1.26,1.42,1.63,1.77,1.77,1.77]
[" 88.01 - 89% ",0.88005,1.32,1.64,2.04,2.21,2.36,2.36,2.36]
[" 89.01 - 90% ",0.89005000000000001,1.43,1.92,2.17,2.4900000000000002,2.52,2.52,2.52]
[" 90.01 - 91% ",0.90005000000000002,1.86,2.4300000000000002,2.93,3.32,3.6,3.6,3.6]
[" 91.01 - 92% ",0.91005000000000003,1.86,2.4300000000000002,3.04,3.46,3.73,3.73,3.73]
[" 92.01 - 93% ",0.92005000000000003,2.1800000000000002,2.74,3.2,3.59,4,4,4]
[" 93.01 - 94% ",0.93005000000000004,2.2200000000000002,2.75,3.34,3.84,4.2300000000000004,4.2300000000000004,4.2300000000000004]
[" 94.01 - 95% ",0.94005000000000005,2.44,3.11,3.5,4.0599999999999996,4.4400000000000004,4.4400000000000004,4.4400000000000004]
["Greater than 94.01% ",0.95004999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[]
["Arch LMI -  NON-RESIDENT & EXPAT"]
["Pricing as at 15th May 2022"]
[]
["NON-RESIDENT & EXPAT",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M"]
[null,null,0,300001,500001,750001,1000001,1500001,2000001]
["Up to 75%",1.0000000000000001E-5,0.53,0.57999999999999996,0.76,0.87,1.03,1.03,1.03]
["75.01 - 76% ",0.75004999999999999,0.57999999999999996,0.63,0.83,0.99,1.1100000000000001,1.1100000000000001,1.1100000000000001]
["76.01 - 78% ",0.76005,0.57999999999999996,0.67,0.83,1.01,1.1299999999999999,1.1299999999999999,1.1299999999999999]
["78.01 - 80%",0.78005000000000002,0.61,0.71,0.91,1.02,1.1499999999999999,1.1499999999999999,1.1499999999999999]
[" 80.01 - 81% ",0.80005000000000004,0.68,0.8,1.02,1.04,1.19,1.19,1.19]
[" 81.01 - 82% ",0.81005000000000005,0.68,0.81,1.02,1.1100000000000001,1.19,1.19,1.19]
[" 82.01 - 83% ",0.82004999999999995,0.84,1.02,1.28,1.4,1.59,1.59,1.59]
[" 83.01 - 84% ",0.83004999999999995,0.95,1.19,1.32,1.56,1.67,1.67,1.67]
[" 84.01 - 85% ",0.84004999999999996,1.08,1.39,1.51,1.77,1.95,1.95,1.95]
[" 85.01 - 86% ",0.85004999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 86.01 - 87% ",0.86004999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 87.01 - 88% ",0.87004999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 88.01 - 89% ",0.88005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 89.01 - 90% ",0.89005000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 90.01 - 91% ",0.90005000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 91.01 - 92% ",0.91005000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 92.01 - 93% ",0.92005000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[" 93.01 - 94% ",0.93005000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["Greater than 94.01% ",0.94005000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["Greater than 94.01% ",0.95004999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[]
["Arch LMI - PBTM_O/O"]
["Pricing as at 15th May 2022"]
[]
["NON-RESIDENT & EXPAT",null,"TO $300,000","FROM $300,001 TO $600,000","FROM $600,001 TO $1.0M","FROM $1.0M TO $2.5M"]
[null,null,0,300001,600001,1000001]
["Up to 75%",1.0000000000000001E-5,0.7,0.84,1.1499999999999999,1.1499999999999999]
["75.01 - 76% ",0.75004999999999999,0.7,0.84,1.1499999999999999,1.1499999999999999]
["76.01 - 78% ",0.76005,0.7,0.84,1.1499999999999999,1.1499999999999999]
["78.01 - 80%",0.78005000000000002,0.7,0.84,1.1499999999999999,1.1499999999999999]
[" 80.01 - 81% ",0.80005000000000004,0.7,0.84,1.1499999999999999,1.1499999999999999]
[" 81.01 - 82% ",0.81005000000000005,0.71,0.85,1.1499999999999999,1.1499999999999999]
[" 82.01 - 83% ",0.82004999999999995,0.92,1.05,1.45,1.42]
[" 83.01 - 84% ",0.83004999999999995,1.04,1.26,1.5,1.49]
[" 84.01 - 85% ",0.84004999999999996,1.1299999999999999,1.44,1.7,1.74]
[" 85.01 - 86% ",0.85004999999999997,1.33,1.65,1.84,1.81]
[" 86.01 - 87% ",0.86004999999999998,1.41,1.74,2.02,2.0699999999999998]
[" 87.01 - 88% ",0.87004999999999999,1.6,1.87,2.11,2.13]
[" 88.01 - 89% ",0.88005,2.02,2.4300000000000002,2.86,2.93]
[" 89.01 - 90% ",0.89005000000000001,2.1800000000000002,2.77,3.26,3.23]
[" 90.01 - 91% ",0.90005000000000002,2.84,3.5,4.4800000000000004,4.47]
[" 91.01 - 92% ",0.91005000000000003,2.84,3.5,4.67,4.63]
[" 92.01 - 93% ",0.92005000000000003,3.28,3.95,4.8499999999999996,4.96]
[" 93.01 - 94% ",0.93005000000000004,3.34,3.98,5.25,5.32]
["Greater than 94.01% ",0.94005000000000005,3.67,4.5,5.54,5.58]
["Greater than 94.01% ",0.95004999999999995,"Refer","Refer","Refer","Refer"]
[]
["Arch LMI - PBTM_INV"]
["Pricing as at 15th May 2022"]
[]
["NON-RESIDENT & EXPAT",null,"TO $300,000","FROM $300,001 TO $600,000","FROM $600,001 TO $1.0M","FROM $1.0M TO $2.5M"]
[null,null,0,300001,600001,1000001]
["Up to 75%",1.0000000000000001E-5,1.05,1.21,1.61,1.55]
["75.01 - 76% ",0.75004999999999999,1.05,1.21,1.61,1.55]
["76.01 - 78% ",0.76005,1.05,1.21,1.61,1.55]
["78.01 - 80%",0.78005000000000002,1.05,1.21,1.61,1.55]
[" 80.01 - 81% ",0.80005000000000004,1.05,1.21,1.61,1.55]
[" 81.01 - 82% ",0.81005000000000005,1.06,1.23,1.61,1.55]
[" 82.01 - 83% ",0.82004999999999995,1.38,1.53,2.02,1.92]
[" 83.01 - 84% ",0.83004999999999995,1.56,1.83,2.1,2.0099999999999998]
[" 84.01 - 85% ",0.84004999999999996,1.69,2.09,2.38,2.35]
[" 85.01 - 86% ",0.85004999999999997,2,2.39,2.58,2.44]
[" 86.01 - 87% ",0.86004999999999998,2.11,2.52,2.82,2.8]
[" 87.01 - 88% ",0.87004999999999999,2.3199999999999998,2.62,2.85,2.78]
[" 88.01 - 89% ",0.88005,2.83,3.29,3.74,3.7]
[" 89.01 - 90% ",0.89005000000000001,2.95,3.61,4.0999999999999996,3.92]
[" 90.01 - 91% ",0.90005000000000002,3.13,3.79,4.7699999999999996,4.67]
[" 91.01 - 92% ",0.91005000000000003,3.13,3.85,5.13,5.0999999999999996]
[" 92.01 - 93% ",0.92005000000000003,3.61,4.34,5.34,5.46]
[" 93.01 - 94% ",0.93005000000000004,3.67,4.38,5.78,5.85]
["Greater than 94.01% ",0.94005000000000005,4.03,4.95,6.1,6.13]
["Greater than 94.01% ",0.95004999999999995,"Refer","Refer","Refer","Refer"]