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{"sheet":"SMSF Servicing Calculator","index":0,"n_rows":115,"n_cols":15,"rows_kept":115,"cut":false,"hidden":true,"merged":[[93,13,93,14],[3,5,3,6],[38,4,38,5],[33,4,33,5],[36,4,36,5],[11,4,11,5],[5,3,5,6],[6,4,6,5],[7,4,7,5],[8,4,8,5],[13,4,13,5],[28,4,28,5],[26,4,26,6],[27,4,27,5],[42,4,42,5],[43,4,43,5],[10,4,10,6],[12,4,12,5],[14,4,14,5],[15,4,15,5],[16,4,16,5],[29,4,29,5],[30,4,30,5],[20,4,20,6],[21,4,21,5],[22,4,22,5],[23,4,23,5],[24,4,24,5]]}
[]
[]
[]
[null,null,"SMSF Servicing Calculator V1.2",null,null,{"$f":"TODAY()","v":"2025-12-04"}]
[null,null,"Application Details"]
[null,null,"Applicant / SMSF Name","Enter Name Here"]
[null,null,"Loan Value",null,"Loan Term"]
[null,null,"Security Value",null,"Interest Rate"]
[null,null,"LVR",{"$f":"D7/D8","v":{"$error":"#DIV/0!"}},"Assessment Rate",null,{"$f":"IF(G8<3.75%,5.75%,G8+2%)","v":5.7500000000000002E-2}]
[]
[null,null,"Annual income",null,"Funds To Complete"]
[null,null,"Mandatory contributions",null,"Purchase Price"]
[null,null,"Additional contributions",null,"Refinance Amount"]
[null,null,"Total Rental income",null,"Government Charges"]
[null,null,"CMA Balance",null,"Solicitor Fees / Other Costs"]
[null,null,"Other Asset Balance(Share,Term Deposit etc.)",null,"Deposit Paid"]
[null,null,"Other income from the fund",null,"Total  Surplus Funds",null,{"$f":"G16+D15+D16+D7-(G12+G13+G14+G15)","v":0}]
[]
[null,null,"Annual fund expenses",null,"Additional SMSF Commitment No."]
[]
[null,null,{"$f":"IF(OR(ISBLANK(G19),G19=0,G19=1),\"Existing Commitments\",\"Existing Commitments (Existing SMSF Investment 1)\")","v":"Existing Commitments"},null,"Existing Commitments (Existing SMSF Investment 2)"]
[null,null,"Property Value",null,"Property Value"]
[null,null,"Other Investment loan balances",null,"Other Investment loan balances"]
[null,null,"Other Investment loan Interest rate",null,"Other Investment loan Interest rate"]
[null,null,"Monthly repayment",null,"Monthly repayment"]
[]
[null,null,"Existing Commitments (Existing SMSF Investment 3)",null,"Existing Commitments (Existing SMSF Investment 4)"]
[null,null,"Property Value",null,"Property Value"]
[null,null,"Other Investment loan balances",null,"Other Investment loan balances"]
[null,null,"Other Investment loan Interest rate",null,"Other Investment loan Interest rate"]
[null,null,"Monthly repayment",null,"Monthly repayment"]
[]
[null,null,"Results"]
[null,null,"Total Gross Income",{"$f":"'Calculations breakdown'!C7","v":0},"NDI",null,{"$f":"'Calculations breakdown'!C28","v":{"$error":"#NUM!"}}]
[null,null,"Less Annual fund expenses",{"$f":"'Calculations breakdown'!C13","v":2000}]
[null,null,"Less Investment loan interest add back",{"$f":"SUM('Calculations breakdown'!C8:C12)","v":0}]
[null,null,"Taxable Income",{"$f":"'Calculations breakdown'!C14","v":0},"NSI per month",null,{"$f":"'Calculations breakdown'!C26","v":{"$error":"#NUM!"}}]
[null,null,"Less Tax",{"$f":"'Calculations breakdown'!C15","v":0}]
[null,null,"Net Annual Income",{"$f":"'Calculations breakdown'!C16","v":0},"Servicebility Outcome",null,{"$f":"IF(AND(G37>41.67,G34>1),\"Pass\",\"Fail\")","v":{"$error":"#NUM!"}}]
[null,null,"Less other commitments",{"$f":"'Calculations breakdown'!C17","v":0}]
[null,null,"Less fund expenses",{"$f":"'Calculations breakdown'!C18","v":2000}]
[null,null,"Annual Surplus income ",{"$f":"'Calculations breakdown'!C21","v":-2000}]
[null,null,"Actual Proposed Monthly Repayments",{"$f":"'Calculations breakdown'!D22","v":{"$error":"#NUM!"}},"Actual Liquidity Test - 7.50%",null,{"$f":"G17/D7","v":{"$error":"#DIV/0!"}}]
[null,null,"Assessed Proposed Monthly Repayments",{"$f":"'Calculations breakdown'!D23","v":{"$error":"#NUM!"}},"Net Asset Test >= $120,000",null,{"$f":"(D8+D22+D28+G22+G28+G17)-(D7+D23+G23+D29+G29)","v":0}]
[]
[]
[null,null,"Personal Details"]
[null,null,"Household Status","Household","Status","Dependents\n(only enter once for each household)"]
[null,null,"SMSF Member 1",null,null,null,null,null,null,null,null,null,null,0]
[null,null,"SMSF Member 2"]
[null,null,"SMSF Member 3"]
[null,null,"SMSF Member 4"]
[]
[null,null,"HEM Status","Dependents","Long Description","Household HEM",null,null,null,null,null,null,"Status","Income for HEM"]
[null,null,"Household 1",{"$f":"SUMIF($D$49:$D$52,C55,$F$49:$F$52)","v":0},{"$f":"M55&\" with \"&D55&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E55,'HEM2'!$B$12:$P$34,O55,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C55,$D$49:$E$52,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($M$63:$M$66,C55,$D$63:$D$66)+SUMIF($M$63:$M$66,C55,$E$63:$E$66)+SUMIF($M$70:$M$73,C55,$O$70:$O$73)","v":0},{"$f":"LOOKUP(N55,'HEM2'!$C$9:$P$9,'HEM2'!$C$7:$P$7)","v":"2"}]
[null,null,"Household 2",{"$f":"SUMIF($D$49:$D$52,C56,$F$49:$F$52)","v":0},{"$f":"M56&\" with \"&D56&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E56,'HEM2'!$B$12:$P$34,O56,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C56,$D$49:$E$52,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($M$63:$M$66,C56,$D$63:$D$66)+SUMIF($M$63:$M$66,C56,$E$63:$E$66)+SUMIF($M$70:$M$73,C56,$O$70:$O$73)","v":0},{"$f":"LOOKUP(N56,'HEM2'!$C$9:$K$9,'HEM2'!$C$7:$K$7)","v":"2"}]
[null,null,"Household 3",{"$f":"SUMIF($D$49:$D$52,C57,$F$49:$F$52)","v":0},{"$f":"M57&\" with \"&D57&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E57,'HEM2'!$B$12:$P$34,O57,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C57,$D$49:$E$52,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($M$63:$M$66,C57,$D$63:$D$66)+SUMIF($M$63:$M$66,C57,$E$63:$E$66)+SUMIF($M$70:$M$73,C57,$O$70:$O$73)","v":0},{"$f":"LOOKUP(N57,'HEM2'!$C$9:$K$9,'HEM2'!$C$7:$K$7)","v":"2"}]
[null,null,"Household 4",{"$f":"SUMIF($D$49:$D$52,C58,$F$49:$F$52)","v":0},{"$f":"M58&\" with \"&D58&\" children\"","v":"N/A with 0 children"},{"$f":"_xlfn.IFNA(VLOOKUP(E58,'HEM2'!$B$12:$P$34,O58,FALSE),0)*52/12","v":0},null,null,null,null,null,null,{"$f":"_xlfn.IFNA(VLOOKUP(C58,$D$49:$E$52,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"SUMIF($M$63:$M$66,C58,$D$63:$D$66)+SUMIF($M$63:$M$66,C58,$E$63:$E$66)+SUMIF($M$70:$M$73,C58,$O$70:$O$73)","v":0},{"$f":"LOOKUP(N58,'HEM2'!$C$9:$K$9,'HEM2'!$C$7:$K$7)","v":"2"}]
[null,null,"Total",null,null,{"$f":"SUM(F55:F58)","v":0}]
[]
[]
[null,null,"Income","Gross Taxable Income","Gross Non-Taxable Income","Net Monthly Income",null,null,null,null,null,null,null,"Gross Income - Taxable","Gross Income - Non-taxable"]
[null,null,"SMSF Member 1 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y14+(O63/12)","v":0},null,null,null,null,null,null,{"$f":"D49","v":0},{"$f":"D63+O70","v":0},{"$f":"(E70*12)+E63","v":0}]
[null,null,"SMSF Member 2 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y27+(O64/12)","v":0},null,null,null,null,null,null,{"$f":"D50","v":0},{"$f":"D64+O71","v":0},{"$f":"(E71*12)+E64","v":0}]
[null,null,"SMSF Member 3 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y40+(O65/12)","v":0},null,null,null,null,null,null,{"$f":"D51","v":0},{"$f":"D65+O72","v":0},{"$f":"(E72*12)+E65","v":0}]
[null,null,"SMSF Member 4 - (Taxable) Income",null,null,{"$f":"'Tax Scales'!Y53+(O66/12)","v":0},null,null,null,null,null,null,{"$f":"D52","v":0},{"$f":"D66+O73","v":0},{"$f":"(E73*12)+E66","v":0}]
[null,null,null,null,null,{"$f":"SUM(F63:F66)","v":0}]
[]
[null,null,"Rental Property Income","Gross Annual Income","Monthly Interest Expense\n(for gearing purposes only)",null,null,null,null,null,null,null,null,"Gross Annual Income - less haircut","Net Rental Income"]
[null,null,"SMSF Member 1 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,{"$f":"D49","v":0},{"$f":"D70*RepayCalculator!$B$44","v":0},{"$f":"N70-(E70*12)","v":0}]
[null,null,"SMSF Member 2 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,{"$f":"D50","v":0},{"$f":"D71*RepayCalculator!$B$44","v":0},{"$f":"N71-(E71*12)","v":0}]
[null,null,"SMSF Member 3 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,{"$f":"D51","v":0},{"$f":"D72*RepayCalculator!$B$44","v":0},{"$f":"N72-(E72*12)","v":0}]
[null,null,"SMSF Member 4 - Annual Rental Income(s)",null,null,null,null,null,null,null,null,null,{"$f":"D52","v":0},{"$f":"D73*RepayCalculator!$B$44","v":0},{"$f":"N73-(E73*12)","v":0}]
[]
[null,null,"Company Income","Net Profit before tax (NPBT)","Addbacks"]
[null,null,"Company 1 (Net Profit Before Tax)",null,null,{"$f":"'Tax Scales'!Y83+(E76/12)","v":0},null,null,null,null,null,null,null,{"$f":"D76/12","v":0}]
[null,null,"Company 2 (Net Profit Before Tax)",null,null,{"$f":"'Tax Scales'!Y90+(E77/12)","v":0},null,null,null,null,null,null,null,{"$f":"D77/12","v":0}]
[null,null,null,null,null,{"$f":"SUM(F76:F77)","v":0}]
[]
[null,null,"Total Income",null,{"$f":"SUM(D63:D66)+SUM(E63:E64)+SUM(D76:D77)+SUM(D70:D73)","v":0},{"$f":"+F67+F78","v":0},null,null,null,null,null,null,null,{"$f":"SUM(N63:N70)","v":0}]
[]
[null,null,"Less Living Allowance"]
[null,null,"Monthly Living Expenses"]
[null,null,"Living Expense Used (> of HEM or Actual)",null,{"$f":"IF(F59>E83,F59,E83)","v":0}]
[null,null,"Private Schooling"]
[null,null,"Health & Personal Insurances"]
[null,null,"Rent / Board"]
[null,null,"Child Support / Maintenance"]
[null,null,"Total Living Expenses",null,null,{"$f":"SUM($E$84:$E$88)","v":0}]
[]
[null,null,"Total income available for debt & housing servicing",null,null,{"$f":"F80-F89","v":0}]
[]
[null,null,"Less Existing Commitments",null,"Debt / Limit","Monthly Pmt"]
[null,null,"Credit Card (Limit not debt)",null,null,{"$f":"E94*3.83%","v":0},null,null,null,null,null,null,null,"Loan balance sensitivity"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(RATE(360,F95,E95*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((N95+RepayCalculator!$B$6)/12,360,E95,0,0)<(PMT(RepayCalculator!$B$8/12,360,E95,0,0)),(PMT((N95+RepayCalculator!$B$6)/12,360,E95,0,0)*-1)-F95,(PMT((RepayCalculator!$B$8)/12,360,E95,0,0)*-1)-F95)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N96+RepayCalculator!$B$6)/12,360,E96,0,0)<(PMT(RepayCalculator!$B$8/12,360,E96,0,0)),(PMT((N96+RepayCalculator!$B$6)/12,360,E96,0,0)*-1)-F96,(PMT((RepayCalculator!$B$8)/12,360,E96,0,0)*-1)-F96)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N97+RepayCalculator!$B$6)/12,360,E97,0,0)<(PMT(RepayCalculator!$B$8/12,360,E97,0,0)),(PMT((N97+RepayCalculator!$B$6)/12,360,E97,0,0)*-1)-F97,(PMT((RepayCalculator!$B$8)/12,360,E97,0,0)*-1)-F97)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N98+RepayCalculator!$B$6)/12,360,E98,0,0)<(PMT(RepayCalculator!$B$8/12,360,E98,0,0)),(PMT((N98+RepayCalculator!$B$6)/12,360,E98,0,0)*-1)-F98,(PMT((RepayCalculator!$B$8)/12,360,E98,0,0)*-1)-F98)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N99+RepayCalculator!$B$6)/12,360,E99,0,0)<(PMT(RepayCalculator!$B$8/12,360,E99,0,0)),(PMT((N99+RepayCalculator!$B$6)/12,360,E99,0,0)*-1)-F99,(PMT((RepayCalculator!$B$8)/12,360,E99,0,0)*-1)-F99)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N100+RepayCalculator!$B$6)/12,360,E100,0,0)<(PMT(RepayCalculator!$B$8/12,360,E100,0,0)),(PMT((N100+RepayCalculator!$B$6)/12,360,E100,0,0)*-1)-F100,(PMT((RepayCalculator!$B$8)/12,360,E100,0,0)*-1)-F100)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N101+RepayCalculator!$B$6)/12,360,E101,0,0)<(PMT(RepayCalculator!$B$8/12,360,E101,0,0)),(PMT((N101+RepayCalculator!$B$6)/12,360,E101,0,0)*-1)-F101,(PMT((RepayCalculator!$B$8)/12,360,E101,0,0)*-1)-F101)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N102+RepayCalculator!$B$6)/12,360,E102,0,0)<(PMT(RepayCalculator!$B$8/12,360,E102,0,0)),(PMT((N102+RepayCalculator!$B$6)/12,360,E102,0,0)*-1)-F102,(PMT((RepayCalculator!$B$8)/12,360,E102,0,0)*-1)-F102)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N103+RepayCalculator!$B$6)/12,360,E103,0,0)<(PMT(RepayCalculator!$B$8/12,360,E103,0,0)),(PMT((N103+RepayCalculator!$B$6)/12,360,E103,0,0)*-1)-F103,(PMT((RepayCalculator!$B$8)/12,360,E103,0,0)*-1)-F103)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N104+RepayCalculator!$B$6)/12,360,E104,0,0)<(PMT(RepayCalculator!$B$8/12,360,E104,0,0)),(PMT((N104+RepayCalculator!$B$6)/12,360,E104,0,0)*-1)-F104,(PMT((RepayCalculator!$B$8)/12,360,E104,0,0)*-1)-F104)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((N105+RepayCalculator!$B$6)/12,360,E105,0,0)<(PMT(RepayCalculator!$B$8/12,360,E105,0,0)),(PMT((N105+RepayCalculator!$B$6)/12,360,E105,0,0)*-1)-F105,(PMT((RepayCalculator!$B$8)/12,360,E105,0,0)*-1)-F105)","v":0}]
[null,null,null,null,{"$f":"SUM(E94:E105)","v":0},{"$f":"SUM(F94:F105)","v":0}]
[null,null,null,null,"Loan Assessment Rate (2.0% stress / minimum 5.75%)",{"$f":"SUM(SUMIF(C95:C105,{\"Mortgage Loan - Investment\",\"Mortgage Loan - Owner Occupied\",\"Personal Loan - Variable\",\"Overdraft\",\"Line of Credit\",\"\"},O95:O105))","v":0}]
[null,null,null,null,null,{"$f":"SUM(F106:F107)","v":0}]
[]
[null,null,"Net Personal Servicing Position",null,null,{"$f":"F91-F108","v":0}]
[]
[]
[]
[null,null,"Result - Must Be Positive",null,null,{"$f":"G37+F91-F108","v":{"$error":"#NUM!"}}]
[null,null,"Result - Debt to Income Ratio (DTI)",null,null,{"$f":"(D23+G23+D29+G29+D7+SUM(E94:E105))/(SUM(D12:D14)+E80)","v":{"$error":"#DIV/0!"}}]

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[]
[null,null,"Annual","Monthly","Assessed %"]
[null,"Mandatory contributions",{"$f":"SUM('SMSF Servicing Calculator'!D12*E3)","v":0},{"$f":"C3/12","v":0},1]
[null,"Additional contributions",{"$f":"SUM('SMSF Servicing Calculator'!D13*E4)","v":0},{"$f":"C4/12","v":0},1]
[null,"Other income ",{"$f":"SUM('SMSF Servicing Calculator'!D17*E5)","v":0},{"$f":"C5/12","v":0},0.8]
[null,"Rental income",{"$f":"SUM('SMSF Servicing Calculator'!D14*E6)","v":0},{"$f":"C6/12","v":0},0.8]
[null,"Total gross income",{"$f":"SUM(C3:C6)","v":0},{"$f":"C7/12","v":0}]
[null,"less Other investment loans 1 add back",{"$f":"('SMSF Servicing Calculator'!D23*D8)+C19","v":0},{"$f":"IF('SMSF Servicing Calculator'!D24<E8,E8,'SMSF Servicing Calculator'!D24)","v":0.03},0.03,"Deemed rate"]
[null,"less Other investment loans 2 add back",{"$f":"('SMSF Servicing Calculator'!G23*D9)","v":0},{"$f":"IF('SMSF Servicing Calculator'!G24<E9,E9,'SMSF Servicing Calculator'!G24)","v":0.03},0.03]
[null,"less Other investment loans 3 add back",{"$f":"('SMSF Servicing Calculator'!D29*D10)","v":0},{"$f":"IF('SMSF Servicing Calculator'!D30<E10,E10,'SMSF Servicing Calculator'!D30)","v":0.03},0.03]
[null,"less Other investment loans 4 add back",{"$f":"('SMSF Servicing Calculator'!G29*D11)","v":0},{"$f":"IF('SMSF Servicing Calculator'!G30<E11,E11,'SMSF Servicing Calculator'!G30)","v":0.03},0.03]
[null,"less Investment loan add back (Tax deduction)",{"$f":"'SMSF Servicing Calculator'!D7*'SMSF Servicing Calculator'!G8","v":0}]
[null,"less Fund expenses (tax deductible)",{"$f":"IF('SMSF Servicing Calculator'!D19<2000,2000,'SMSF Servicing Calculator'!D19)","v":2000}]
[null,"Taxable income",{"$f":"IF(SUM(C7-C8-C9-C10-C11-C12-C13)<0,0,SUM(C7-C8-C9-C10-C11-C12-C13))","v":0}]
[null,"less Tax (calculated on Taxable income)",{"$f":"IF(C14>0,C14*E15,0)","v":0},null,0.15,"All income taxed"]
[null,"Net Annual Income",{"$f":"SUM(C7-C15)","v":0},{"$f":"C16/12","v":0}]
[null,"less all other commitments",{"$f":"(('SMSF Servicing Calculator'!D25+'SMSF Servicing Calculator'!G25+'SMSF Servicing Calculator'!D31+'SMSF Servicing Calculator'!G31)*12)","v":0},{"$f":"C17/12","v":0}]
[null,"less Fund expenses",{"$f":"IF('SMSF Servicing Calculator'!D19<2000,2000,'SMSF Servicing Calculator'!D19)","v":2000},{"$f":"C18/12","v":166.66666666666666}]
[null,"less sensitivity on loan balance",{"$f":"('SMSF Servicing Calculator'!D23+'SMSF Servicing Calculator'!G23+'SMSF Servicing Calculator'!D29+'SMSF Servicing Calculator'!G29)*E19","v":0},{"$f":"C19/12","v":0},0,"To activate sensitivity on existing loan limits"]
[null,"less sensitivity on loan repayments",{"$f":"D20*12","v":0},{"$f":"('SMSF Servicing Calculator'!D25+'SMSF Servicing Calculator'!G25+'SMSF Servicing Calculator'!D31+'SMSF Servicing Calculator'!G31)*'Calculations breakdown'!E20","v":0},0.2,"To activate sensitivity on existing loan repayments"]
[null,"Surplus for servicing",{"$f":"SUM(C16-C17-C18-C19-C20)","v":-2000},{"$f":"C21/12","v":-166.66666666666666}]
[null,"Actual repayments for this loan",{"$f":"D22*12","v":{"$error":"#NUM!"}},{"$f":"PMT('SMSF Servicing Calculator'!G8/12,'SMSF Servicing Calculator'!G7*12,-'SMSF Servicing Calculator'!D7)","v":{"$error":"#NUM!"}},null,"Excludes all sensitivity"]
[null,"Assessed repayments for this loan",{"$f":"(D23*12)","v":{"$error":"#NUM!"}},{"$f":"PMT('SMSF Servicing Calculator'!G9/12,'SMSF Servicing Calculator'!G7*12,-'SMSF Servicing Calculator'!D7)","v":{"$error":"#NUM!"}}]
[]
[null,"DTI",{"$f":"'SMSF Servicing Calculator'!D7/('SMSF Servicing Calculator'!D12+'SMSF Servicing Calculator'!D13+'SMSF Servicing Calculator'!D17+'SMSF Servicing Calculator'!D14)","v":{"$error":"#DIV/0!"}}]
[null,"Surplus amount per month",{"$f":"D21-D23","v":{"$error":"#NUM!"}},"Must meet $41.67"]
[null,"Surplus amount per annum",{"$f":"(D21-D23)*12","v":{"$error":"#NUM!"}},"Must meet $500 P/A"]
[null,"NDI used for result",{"$f":"C21/C23","v":{"$error":"#NUM!"}},"NDI >1"]
[null,"Actual NDI",{"$f":"C21/C22","v":{"$error":"#NUM!"}}]

{"sheet":"Non-Res Serviceability","index":2,"n_rows":130,"n_cols":19,"rows_kept":130,"cut":false,"hidden":false,"merged":[[108,15,108,18],[58,5,58,6],[60,5,60,6],[62,5,62,6],[56,5,56,6],[65,2,65,5],[66,2,66,5],[71,2,71,5],[73,2,73,5],[91,2,91,5],[92,2,92,5],[94,2,94,5],[96,2,96,5],[98,2,98,6],[99,2,99,5],[109,2,109,5],[103,2,103,5],[105,2,105,5],[124,11,124,12],[83,1,87,1],[83,5,87,6],[93,2,93,5],[106,2,106,5]]}
[]
[null,null,"Non-Res Serviceability Calculator 5.0",null,null,null,{"$f":"TODAY()","v":"2025-12-04"}]
[]
[null,null,"New Loan Commitment","Loan 1","Loan 2","Loan 3"]
[null,null,"Application No."]
[null,null,"Repayment Type",{"$f":"IF(D8=0,\"\",IF(D8>D9,\"Principal & Interest\",\"Interest Only\"))","v":""},{"$f":"IF(E8=0,\"\",IF(E8>E9,\"Principal & Interest\",\"Interest Only\"))","v":""},{"$f":"IF(F8=0,\"\",IF(F8>F9,\"Principal & Interest\",\"Interest Only\"))","v":""}]
[null,null,"New Loan Amount"]
[null,null,"New Loan Term (Years)"]
[null,null,"Interest Only Term (Years)"]
[null,null,"Interest Rate of New Loan"]
[null,null,"New Monthly Loan Repayment/s",{"$f":"IFERROR(IF(D$6=\"\",0,(IF(D$6=\"Principal & Interest\",-PMT(D$10/12,(D$8-D$9)*12,D$7,0,0),((D$7*D$10)/12)))),0)","v":0},{"$f":"IFERROR(IF(E$6=\"\",0,(IF(E$6=\"Principal & Interest\",-PMT(E$10/12,(E$8-E$9)*12,E$7,0,0),((E$7*E$10)/12)))),0)","v":0},{"$f":"IFERROR(IF(F$6=\"\",0,(IF(F$6=\"Principal & Interest\",-PMT(F$10/12,(F$8-F$9)*12,F$7,0,0),((F$7*F$10)/12)))),0)","v":0},{"$f":"SUM(D11:F11)","v":0}]
[null,null,"Loan Assessment Rate ",{"$f":"MAX(6.29%,D10+2%)","v":6.2899999999999998E-2},{"$f":"MAX(6.29%,E10+2%)","v":6.2899999999999998E-2},{"$f":"MAX(6.29%,F10+2%)","v":6.2899999999999998E-2},{"$f":"G13-G11","v":0}]
[null,null,"Stressed Loan Payments",{"$f":"IFERROR(IF(D$6=\"\",0,(IF(D$6=\"Principal & Interest\",-PMT(D$12/12,(D$8-D$9)*12,D$7,0,0),((D$7*D$12)/12)))),0)","v":0},{"$f":"IFERROR(IF(E$6=\"\",0,(IF(E$6=\"Principal & Interest\",-PMT(E$12/12,(E$8-E$9)*12,E$7,0,0),((E$7*E$12)/12)))),0)","v":0},{"$f":"IFERROR(IF(F$6=\"\",0,(IF(F$6=\"Principal & Interest\",-PMT(F$12/12,(F$8-F$9)*12,F$7,0,0),((F$7*F$12)/12)))),0)","v":0},{"$f":"SUM(D13:F13)","v":0}]
[null,null,null,null,null,"Additional Currency if required"]
[null,null,"Country of Residence","China","For USD Exportation Limit"]
[null,null,"Foreign Currency",{"$f":"VLOOKUP(D15,'Cost of Living Index'!$A$2:$C$157,3,FALSE)","v":"CNY"},"USD",{"$f":"VLOOKUP(F15,'Cost of Living Index'!$A$2:$C$157,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,"Foreign Currency Exchange Rate - www.xe.com ",4.7565598361641603,0.67377806904169579,{"$error":"#N/A"},"2024-10-09T13:24:40"]
[null,null,"AUD to Currency",{"$f":"1/D17","v":0.21023597609284603},null,{"$f":"IFERROR(1/F17,0)","v":0}]
[]
[null,null,"Household Status","Applicant Name","Household","Status","Dependents",null,null,null,null,null,null,null,null,null,null,"DSR Status"]
[null,null,"Applicant 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F21=\"Single\",0.4,0.35)","v":0.35}]
[null,null,"Applicant 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F22=\"Single\",0.4,0.35)","v":0.35}]
[null,null,"Applicant 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F23=\"Single\",0.4,0.35)","v":0.35}]
[null,null,"Applicant 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F24=\"Single\",0.4,0.35)","v":0.35}]
[]
[null,null,"HEM Status","Status","Long Description",null,null,null,null,null,null,null,null,null,null,"Dependents"]
[null,null,"Household 1",{"$f":"_xlfn.IFNA(VLOOKUP(C27,$E$21:$F$24,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"D27&\" with \"&P27&\" children\"","v":"N/A with 0 children"},null,null,null,null,null,null,null,null,null,null,{"$f":"SUMIF($E$21:$E$24,C27,$G$21:$G$24)","v":0}]
[null,null,"Household 2",{"$f":"_xlfn.IFNA(VLOOKUP(C28,$E$21:$F$24,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"D28&\" with \"&P28&\" children\"","v":"N/A with 0 children"},null,null,null,null,null,null,null,null,null,null,{"$f":"SUMIF($E$21:$E$24,C28,$G$21:$G$24)","v":0}]
[null,null,"Household 3",{"$f":"_xlfn.IFNA(VLOOKUP(C29,$E$21:$F$24,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"D29&\" with \"&P29&\" children\"","v":"N/A with 0 children"},null,null,null,null,null,null,null,null,null,null,{"$f":"SUMIF($E$21:$E$24,C29,$G$21:$G$24)","v":0}]
[null,null,"Household 4",{"$f":"_xlfn.IFNA(VLOOKUP(C30,$E$21:$F$24,2,FALSE),\"N/A\")","v":"N/A"},{"$f":"D30&\" with \"&P30&\" children\"","v":"N/A with 0 children"},null,null,null,null,null,null,null,null,null,null,{"$f":"SUMIF($E$21:$E$24,C30,$G$21:$G$24)","v":0}]
[null,null,"Total"]
[]
[null,null,"HEM Status","Income for HEM","Household HEM"]
[null,null,"Household 1",{"$f":"SUMIF($O$41:$O$44,C34,$F$41:$F$44)+SUMIF($O$41:$O$44,C34,$J$56:$J$59)*0.8-(SUMIF($O$56:$O$63,$J34,$K$56:$K$59))+(SUMIF($O$41:$O$44,C34,$E$41:$E$44)*1.2*$F$18)+(SUMIF($O$56:$O$63,C34,$D$56:$D$63)*$D$18)+(SUMIF($O$41:$O$44,C34,$D$41:$D$44)*1.2*$D$18)+(SUMIF($O$56:$O$63,J34,$D$56:$D$63)*$F$18)","v":0},{"$f":"_xlfn.IFNA(VLOOKUP(E27,'HEM2'!$B$12:$P$34,P34,FALSE),0)*52/12","v":0},null,null,null,null,"Household 1A",null,null,null,null,null,{"$f":"LOOKUP(D34,'HEM2'!$C$9:$P$9,'HEM2'!$C$7:$P$7)","v":"2"}]
[null,null,"Household 2",{"$f":"SUMIF($O$41:$O$44,C35,$F$41:$F$44)+SUMIF($O$41:$O$44,C35,$J$56:$J$59)*0.8-(SUMIF($O$56:$O$63,$J35,$K$56:$K$59))+(SUMIF($O$41:$O$44,C35,$E$41:$E$44)*1.2*$F$18)+(SUMIF($O$56:$O$63,C35,$D$56:$D$63)*$D$18)+(SUMIF($O$41:$O$44,C35,$D$41:$D$44)*1.2*$D$18)+(SUMIF($O$56:$O$63,J35,$D$56:$D$63)*$F$18)","v":0},{"$f":"_xlfn.IFNA(VLOOKUP(E28,'HEM2'!$B$12:$P$34,P35,FALSE),0)*52/12","v":0},null,null,null,null,"Household 2A",null,null,null,null,null,{"$f":"LOOKUP(D35,'HEM2'!$C$9:$P$9,'HEM2'!$C$7:$P$7)","v":"2"}]
[null,null,"Household 3",0,{"$f":"_xlfn.IFNA(VLOOKUP(E29,'HEM2'!$B$12:$P$34,P36,FALSE),0)*52/12","v":0},null,null,null,null,"Household 3A",null,null,null,null,null,{"$f":"LOOKUP(D36,'HEM2'!$C$9:$P$9,'HEM2'!$C$7:$P$7)","v":"2"}]
[null,null,"Household 4",0,{"$f":"_xlfn.IFNA(VLOOKUP(E30,'HEM2'!$B$12:$P$34,P37,FALSE),0)*52/12","v":0},null,null,null,null,"Household 4A","Australia","living compare",null,null,null,{"$f":"LOOKUP(D37,'HEM2'!$C$9:$P$9,'HEM2'!$C$7:$P$7)","v":"2"}]
[null,null,"Total and scale ",null,{"$f":"SUM(E34:E37)","v":0},null,null,null,null,null,{"$f":"'Cost of Living Index'!H15","v":84.14},{"$f":"K38/R71","v":1.9779031499764927}]
[]
[null,null,"Income - Personal",{"$f":"\"Net Annual \"&D16&\" Income\"","v":"Net Annual CNY Income"},{"$f":"\"Net Annual \"&F16&\" Income\"","v":{"$error":"#N/A"}},"Australian Gross Annual Income","Total Net Monthly Income",null,null,null,null,null,null,null,"Household ",null,null,"Australian Gross Income - Taxable","Australian Gross Income - Non Taxable"]
[null,null,"Applicant 1 - Income",null,null,null,{"$f":"'Tax Scales'!$AN$14+(S41/12)+(($D41/12)*$D$18*0.8)+((E56/12)*$D$18)+(($E$41/12)*$F$18*0.8)+((E57/12)*$F$18)","v":0},null,null,null,{"$f":"D15","v":"China"},"Australia",null,null,{"$f":"E21","v":0},null,null,{"$f":"F41+R56-S41","v":0},{"$f":"S56*12","v":0}]
[null,null,"Applicant 2 - Income",null,null,null,{"$f":"'Tax Scales'!$AN$27+(S42/12)+(($D42/12)*$D$18*0.8)+((E58/12)*$D$18)+(($E$42/12)*$F$18*0.8)+((E59/12)*$F$18)","v":0},null,null,null,0,0,"Applicant 1",null,{"$f":"E22","v":0},null,null,{"$f":"F42+R58-S42","v":0},{"$f":"S58*12","v":0}]
[null,null,"Applicant 3 - Income",null,null,null,{"$f":"'Tax Scales'!$AN$40+(S43/12)+(($D43/12)*$D$18*0.8)+((E60/12)*$D$18)+(($E$43/12)*$F$18*0.8)+((E61/12)*$F$18)","v":0},null,null,null,0,0,"Applicant 2",null,{"$f":"E23","v":0},null,null,{"$f":"F43+R60-S43","v":0},{"$f":"S60*12","v":0}]
[null,null,"Applicant 4 - Income",null,null,null,{"$f":"'Tax Scales'!$AN$53+(S44/12)+(($D44/12)*$D$18*0.8)+((E62/12)*$D$18)+(($E$44/12)*$F$18*0.8)+((E63/12)*$F$18)","v":0},null,null,null,0,0,"Applicant 3",null,{"$f":"E24","v":0},null,null,{"$f":"F44+R62-S44","v":0},{"$f":"S62*12","v":0}]
[null,null,null,null,null,null,{"$f":"SUM(G41:G44)","v":0},null,null,null,0,0,"Applicant 4",null,null,null,null,null,{"$f":"G64*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Applicant 1 Income ",0,null,0,{"$f":"R47+(($E47/12)*$D$18*0.9)","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"F47/12","v":0},0]
[null,null,"Applicant 2 Income ",0,0,0,{"$f":"R48+(($E48/12)*$D$18*0.9)","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"F48/12","v":0},0]
[null,null,null,null,null,null,{"$f":"SUM(G47:G48)","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"G68*12","v":0}]
[null,null,"Company Income",{"$f":"\"Net Annual \"&D16&\" Income\"","v":"Net Annual CNY Income"},{"$f":"\"Net Annual \"&F16&\" Income\"","v":{"$error":"#N/A"}},"Australian Gross Annual Income","Total Net Monthly Income"]
[null,null,"Self Employed Income",{"$f":"SUM(K42:K45)","v":0},null,{"$f":"SUM('Non-Res Serviceability'!L42:L45)","v":0},{"$f":"'Tax Scales'!$AN$83+(($D51/12)*$D$18*0.8)+(($E51/12)*$F$18*0.8)","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"F51/12","v":0}]
[null,null,null,null,null,null,{"$f":"'Tax Scales'!$AN$90+(($D52/12)*$D$18*0.8)+(($E52/12)*$F$18*0.8)","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"F52/12","v":0}]
[null,null,null,null,null,null,{"$f":"SUM(G51:G52)","v":0}]
[]
[null,null,"Income - Rental","Gross Annual Income - Foreign Rentals","Net Annual Income - Foreign Rentals","Gross Annual Income - Australian Rentals","Annual Interest Expense - Australian Rentals \n(for gearing purposes only)",null,null,null,null,null,null,null,null,null,null,"Gross Annual Income - Australian Rentals (less haircut)","Monthly Interest Expense - Australian Rentals \n(for gearing purposes only)"]
[null,null,"Applicant 1 - Annual Rental Income(s)",null,{"$f":"D56*RepayCalculator!$B$43","v":0},{"$f":"'Rental & Gearing'!I31","v":0},{"$f":"'Rental & Gearing'!J31","v":0},null,null,{"$f":"F56","v":0},{"$f":"G56","v":0},null,null,null,{"$f":"E21","v":0},null,null,{"$f":"F56*RepayCalculator!$B$43","v":0},{"$f":"G56/12","v":0}]
[null,null,{"$f":"\"(Applicant 1 - \"&F15&\")\"","v":"(Applicant 1 - )"},null,{"$f":"D57*RepayCalculator!$B$43","v":0},null,null,null,null,{"$f":"F58","v":0},{"$f":"G58","v":0},null,null,null,{"$f":"O56&\"A\"","v":"0A"},null,null,null,{"$f":"G57/12","v":0}]
[null,null,"Applicant 2 - Annual Rental Income(s)",null,{"$f":"D58*RepayCalculator!$B$43","v":0},{"$f":"'Rental & Gearing'!I32","v":0},{"$f":"'Rental & Gearing'!J32","v":0},null,null,{"$f":"F60","v":0},{"$f":"G60","v":0},null,null,null,{"$f":"E22","v":0},null,null,{"$f":"F58*RepayCalculator!$B$43","v":0},0]
[null,null,{"$f":"\"(Applicant 2 - \"&F15&\")\"","v":"(Applicant 2 - )"},null,{"$f":"D59*RepayCalculator!$B$43","v":0},null,null,null,null,{"$f":"F62","v":0},{"$f":"G62","v":0},null,null,null,{"$f":"O58&\"A\"","v":"0A"},null,null,null,0]
[null,null,"Applicant 3 - Annual Rental Income(s)",null,{"$f":"D60*RepayCalculator!$B$43","v":0},{"$f":"'Rental & Gearing'!I33","v":0},{"$f":"'Rental & Gearing'!J33","v":0},null,null,null,null,null,null,null,{"$f":"E23","v":0},null,null,{"$f":"F60*RepayCalculator!$B$43","v":0},0]
[null,null,{"$f":"\"(Applicant 3 - \"&F15&\")\"","v":"(Applicant 3 - )"},null,{"$f":"D61*RepayCalculator!$B$43","v":0},null,null,null,null,null,null,null,null,null,{"$f":"O60&\"A\"","v":"0A"},null,null,null,0]
[null,null,"Applicant 4 - Annual Rental Income(s)",null,{"$f":"D62*RepayCalculator!$B$43","v":0},{"$f":"'Rental & Gearing'!I34","v":0},{"$f":"'Rental & Gearing'!J34","v":0},null,null,null,null,null,null,null,{"$f":"E24","v":0},null,null,{"$f":"F62*RepayCalculator!$B$43","v":0},0]
[null,null,{"$f":"\"(Applicant 4 - \"&F15&\")\"","v":"(Applicant 4 - )"},null,{"$f":"D63*RepayCalculator!$B$43","v":0},null,null,null,null,null,null,null,null,null,{"$f":"O62&\"A\"","v":"0A"}]
[]
[null,null,"Total",null,{"$f":"SUM(E41:E44,D51:D52,E56:E63)","v":0},{"$f":"SUM(F41:F44,F51:F52,R56:R62)","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R41:R56)","v":0}]
[null,null,"Total Australia Income",null,null,null,{"$f":"((D65/12)*D18*0.8)+(SUM(F41:F44,F51:F52,R56:R62)/12)","v":0}]
[null,null,"Total Net Income",null,null,null,{"$f":"+G45+G53","v":0}]
[]
[null,null,"Less Living Allowance",{"$f":"\"Monthly Living Expenses \"&IF(OR(D15=\"Australia\",F15=\"Australia\"),\" \",D16)","v":"Monthly Living Expenses CNY"},"Monthly Living Expenses (AUD)",{"$f":"\"Monthly Living Expenses \"&F16","v":{"$error":"#N/A"}},"HEM"]
[null,null,"Monthly Living Expenses \n(complete in AUD and/or O/S Currency)",null,null,null,{"$f":"IF(E70<>0,SUM(E34:E37),0)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"(D70*$D$18*0.8)+(E70*1)+(F70*$F$18*0.8)","v":0},{"$f":"(D70*$D$18*0.8)+(G70*1)+(F70*$F$18*0.8)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP($D$15,'Cost of Living Index'!$A$1:$B$106,2,FALSE)","v":42.54}]
[null,null,"Living Expense Used (> of HEM or Actual)",null,null,null,{"$f":"IF(Q70>R70,Q70,R70)","v":0}]
[null,null,null,null,null,null," "]
[null,null,"Total income available",null,null,null,{"$f":"G67-G72","v":0}]
[]
[null,null,"Less Existing Commitments","Foreign Currency Debt / Limit","Foreign Currency Monthly Pmt","Australian Debt / Limit","Australian Monthly Pmt"]
[null,null,"Credit Card",null,{"$f":"D77*3.83%","v":0},null,{"$f":"(F77*3.83%)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(RATE(360,E78,D78*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((P78+RepayCalculator!$B$6)/12,360,D78,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D78,0,0),PMT((P78+RepayCalculator!$B$6)/12,360,D78,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D78,0,0)*-1)-E78","v":0},{"$f":"IFERROR(RATE(360,G78,F78*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((R78+RepayCalculator!$B$6)/12,360,F78,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F78,0,0),PMT((R78+RepayCalculator!$B$6)/12,360,F78,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F78,0,0)*-1)-G78","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(RATE(360,E79,D79*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((P79+RepayCalculator!$B$6)/12,360,D79,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D79,0,0),PMT((P79+RepayCalculator!$B$6)/12,360,D79,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D79,0,0)*-1)-E79","v":0},{"$f":"IFERROR(RATE(360,G79,F79*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((R79+RepayCalculator!$B$6)/12,360,F79,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F79,0,0),PMT((R79+RepayCalculator!$B$6)/12,360,F79,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F79,0,0)*-1)-G79","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((P80+RepayCalculator!$B$6)/12,360,D80,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D80,0,0),PMT((P80+RepayCalculator!$B$6)/12,360,D80,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D80,0,0)*-1)-E80","v":0},{"$f":"IFERROR(RATE(360,G80,F80*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((R80+RepayCalculator!$B$6)/12,360,F80,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F80,0,0),PMT((R80+RepayCalculator!$B$6)/12,360,F80,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F80,0,0)*-1)-G80","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((P81+RepayCalculator!$B$6)/12,360,D81,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D81,0,0),PMT((P81+RepayCalculator!$B$6)/12,360,D81,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D81,0,0)*-1)-E81","v":0},0,{"$f":"IF(PMT((R81+RepayCalculator!$B$6)/12,360,F81,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F81,0,0),PMT((R81+RepayCalculator!$B$6)/12,360,F81,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F81,0,0)*-1)-G81","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(PMT((P82+RepayCalculator!$B$6)/12,360,D82,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D82,0,0),PMT((P82+RepayCalculator!$B$6)/12,360,D82,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D82,0,0)*-1)-E82","v":0},{"$f":"IFERROR(RATE(360,G82,F82*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((R82+RepayCalculator!$B$6)/12,360,F82,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F82,0,0),PMT((R82+RepayCalculator!$B$6)/12,360,F82,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F82,0,0)*-1)-G82","v":0}]
[]
[null,null,{"$f":"\"Credit Card - \"&F15","v":"Credit Card - "},null,{"$f":"D84*3.83%","v":0},{"$f":"\"Foreign Commitments for \"&F15","v":"Foreign Commitments for "},null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(RATE(360,E84,D84*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((P84+RepayCalculator!$B$6)/12,360,D84,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D84,0,0),PMT((P84+RepayCalculator!$B$6)/12,360,D84,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D84,0,0)*-1)-E84","v":0},{"$f":"IFERROR(RATE(360,G84,F84*-1,0,0,0.1)*12,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(RATE(360,E85,D85*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((P85+RepayCalculator!$B$6)/12,360,D85,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D85,0,0),PMT((P85+RepayCalculator!$B$6)/12,360,D85,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!D85,0,0)*-1)-E85","v":0},{"$f":"IFERROR(RATE(360,G85,F85*-1,0,0,0.1)*12,0)","v":0},{"$f":"IF(PMT((R85+RepayCalculator!$B$6)/12,360,F85,0,0)<PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F85,0,0),PMT((R85+RepayCalculator!$B$6)/12,360,F85,0,0)*-1,PMT(RepayCalculator!$B$8/12,360,'Non-Res Serviceability'!F85,0,0)*-1)-G85","v":0}]
[]
[]
[]
[]
[null,null,null,null,{"$f":"SUM(E77:E83)*0.8","v":0},{"$f":"SUM(E84:E88)","v":0},{"$f":"SUM(G77:G88)","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(D80:D82)+D78","v":0},null,{"$f":"SUM(F80:F82)+F78","v":0}]
[]
[null,null,"Total Commitments - AUD",null,null,null,{"$f":"G90","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"R90","v":0},{"$f":"SUM($S$78:$S$85)","v":0}]
[null,null,{"$f":"\"Total Commitments - \"&D16","v":"Total Commitments - CNY"},null,null,null,{"$f":"$E$90*$D$18","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"$P$90*D18","v":0},{"$f":"SUM($Q$77:$Q$85)*nrExRate","v":0}]
[null,null,{"$f":"\"Total Commitments - \"&F16","v":{"$error":"#N/A"}},null,null,null,{"$f":"$F$90*$F$18*0.8","v":0}]
[null,null,"Total Net Commitments",null,null,null,{"$f":"SUM(G92:G94)","v":0},null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R92:R93)","v":0},{"$f":"SUM(S92:S93)","v":0}]
[]
[null,null,"Net Disposable Income",null,null,null,{"$f":"G74-G95-G13","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"Foreign currency ",{"$f":"SUM(D78:D83)/12*nrExRate*2.25%*0.8","v":0}]
[null,null,"Serviceability Stress Test",null,null,null,null,null,null,null,null,"Foreign currency 2",{"$f":"SUM(D85:D88)/12*F18*2.25%*0.8","v":0}]
[null,null,"minus Existing Commitment Sensitivity ",null,null,null,{"$f":"M98+M100+M99","v":0},null,null,null,null,"AUD",{"$f":"SUM(F78:F83)/12*2.25%","v":0}]
[]
[null,null,"Total Liabilities",null,null,null,{"$f":"#REF!+G100+G11+G95","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,"Summary"]
[null,null,"NSI",null,null,null,{"$f":"G97-G100","v":0},null,null,null,null,null,null,null,null,{"$f":"IF(G104>0,\"PASS\",\"FAIL\")","v":"FAIL"}]
[null,null,null,null,null,null,{"$f":"G102/G66","v":{"$error":"#REF!"}},null,null,null,null,null,null,{"$f":"IF(MAX($R$21:$R$24)=0.4,0.4,0.35)","v":0.35},{"$f":"IF(MAX($R$21:$R$24)=0.4,\"Test 2 - Must NOT exceed 40%\",\"Test 2 - Must NOT exceed 35%\")","v":"Test 2 - Must NOT exceed 35%"},{"$f":"IF(G105>N105,\"FAIL\",\"PASS\")","v":{"$error":"#REF!"}}]
[null,null,"USD Exportation Limit",null,null,null,{"$f":"IF(M130>0,\"FAIL\",\"PASS\")","v":"PASS"}]
[null,null,"DTI",null,null,null,{"$f":"SUM(M116:M118)/SUM(M113:M115)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,{"$f":"IF(AND(D15<>\"China\",P104=\"PASS\"),\"PASS\",IF(P104=\"PASS\",IF(G106=\"PASS\",\"PASS\",\"FAIL\"),\"FAIL\"))","v":"FAIL"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(AND(M128<M129,D15=\"China\"),\"USD \"&50000*COUNTA(D21:D24)&\" Exportation Limit Not Passed - Over by USD \"&TEXT(M130,\"0.00\")&\". Please Recalcualte or Refer to Lender\",\"\"),\"\")","v":""}]
[null,null,"Maximum Loan Available - Principal & Interest loans only",null,null,null,{"$f":"IF(OR(E7>0,F7>0),\"N/A - Multiple loans\",IF(D6=\"Principal & Interest\",FLOOR(-PV((D12)/12,(D8-D9)*12,(G74-G90-G100),0,0),100),\"N/A\"))","v":"N/A"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"DTI"]
[null,null,null,null,null,null,null,null,null,null,"Income ","Foreign currency ",{"$f":"(SUM(D41:D44)+SUM(D51:D52)+D56+D58+D60+D62)*$D$18","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Income ","Foreign currency 2",{"$f":"(SUM(E41:E44)+SUM(E51:E52)+D57+D59+D61+D63)*$F$18","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Income ","AUD",{"$f":"G66*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Debt","Foreign currency ",{"$f":"SUM(D77:D83)*$D$18","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Debt","Foreign currency 2",{"$f":"SUM(D84:D88)*$F$18","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Debt","AUD",{"$f":"SUM(F77:F83)+SUM(D7:F7)","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Yearly Currency Export Test "]
[null,null,null,null,null,null,null,null,null,null,null,"Aus Income position",{"$f":"G66","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"New loan repayment",{"$f":"-G13*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"NET position",{"$f":"(M126+M127)/E17","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"USD 50000 to AUD",{"$f":"-50000*COUNTA(D21:D24)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"Short",{"$f":"M129-M128","v":0}]

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[null,null,null,"\"HEM Table 1\" equivalent: by Income Level and Residency"]
[null,null,null,null,null,"BASED ON PREDICTED VALUES FROM THE QUANTILE REGRESSIONS",null,null,null,null,null,null,null,null,null,"2024Q2"]
[null,null,null,null,null,null,null,"Smoothed HEM"]
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[null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)"]
[null,null,-9999999999,26000,39000,51000,64000,77000,103000,129000,154000,180000,206000,257000,321000,386000]
[null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
[null,null,null,39000,51000,64000,77000,103000,129000,154000,180000,206000,257000,321000,386000,643000]
[null,"Australia"]
[null,"Couple with 0 children",{"$f":"D13","v":586.7481415313498},586.7481415313498,603.34424814431554,627.46464943361048,668.9426667324027,732.47262512607142,811.65253829743608,885.36899811115848,967.66327893090215,1010.4808809045049,1073.3002084955115,1196.7851384864184,1343.3383270100026,1380.7263454948334]
[null,"Couple with 1 children",{"$f":"E14","v":693.53649798451374},{"$f":"E14","v":693.53649798451374},693.53649798451374,717.77593722414645,759.45861647129084,823.30198555000743,902.87260976072366,976.95276830028536,1059.6531449986564,1102.6819350119947,1165.8113060732046,1289.9055111304517,1437.1816823547967,1474.7542846825015]
[null,"Couple with 2 children",{"$f":"D15","v":765.24761764872619},{"$f":"E15","v":765.24761764872619},765.24761764872619,789.42586393582542,831.00334362643264,894.68563038364346,974.05546800575894,1047.9486759731176,1130.4403870330402,1173.360599238373,1236.3306711715236,1360.1117399131299,1507.016278009098,1544.4940335570741]
[null,"Couple with 3 children",{"$f":"F16","v":848.64940553620681},{"$f":"F16","v":848.64940553620681},{"$f":"F16","v":848.64940553620681},848.64940553620681,889.88733939233111,953.04958655966095,1031.7711539797426,1105.0608745204111,1186.8788556521695,1229.4485375566901,1291.9043315512481,1414.6744776288822,1560.379279868557,1597.5509537768814]
[null,"Couple with 4 children",{"$f":"D17","v":907.87294713658821},{"$f":"E17","v":907.87294713658821},{"$f":"F17","v":907.87294713658821},{"$f":"F16+(F16-F15)","v":907.87294713658821},{"$f":"G16+(G16-G15)","v":948.77133515822959},1011.4135427356784,1089.4868399537263,1162.1730730677045,1243.3173242712987,1285.5364758750072,1347.4779919309726,1469.2372153446345,1613.742281728016,1650.6078739966888]
[null,"Couple with 5 children",{"$f":"C17+(C17-C16)","v":967.0964887369696},967.0964887369696,967.0964887369696,967.0964887369696,1007.6553309241281,1069.7774989116961,1147.20252592771,1219.285271614998,1299.755792890428,1341.6244141933244,1403.0516523106971,1523.7999530603868,1667.105283587475,1703.6647942164961]
[null,"Couple with 6 children",1026.320030337351,1026.320030337351,1026.320030337351,1026.320030337351,1066.5393266900264,1128.1414550877137,1204.9182119016937,1276.3974701622915,1356.1942615095572,1397.7123525116415,1458.6253126904217,1578.3626907761391,1720.468285446934,{"$f":"P18+(P18-P17)","v":1756.7217144363035}]
[null,"Couple with 7 children",1085.5435719377324,1085.5435719377324,1085.5435719377324,1085.5435719377324,1125.4233224559248,1186.5054112637313,1262.6338978756773,1333.509668709585,1412.6327301286865,1453.8002908299586,1514.1989730701462,1632.9254284918914,1773.8312873063931,1809.7786346561109]
[null,"Couple with 8 children",1144.7671135381138,1144.7671135381138,1144.7671135381138,1144.7671135381138,1184.3073182218232,1244.8693674397489,1320.349583849661,1390.6218672568784,1469.0711987478157,1509.8882291482757,1569.7726334498707,1687.4881662076436,1827.1942891658521,1862.8355548759182]
[null,"Couple with 9 children",1203.9906551384952,1203.9906551384952,1203.9906551384952,1203.9906551384952,1243.1913139877215,1303.2333236157665,1378.0652698236447,1447.7340658041719,1525.509667366945,1565.9761674665929,1625.3462938295952,1742.0509039233959,1880.5572910253111,{"$f":"P21+(P21-P20)","v":1915.8924750957256}]
[null,"Couple with 10 children",1263.2141967388766,1263.2141967388766,1263.2141967388766,1263.2141967388766,1302.0753097536199,1361.5972797917841,1435.7809557976284,1504.8462643514654,1581.9481359860742,1622.06410578491,1680.9199542093197,1796.6136416391482,1933.9202928847701,1968.9493953155329]
[null,"Single with 0 children",302.31524134513808,316.98623433131911,333.48732011992109,357.46962741117136,398.71015590703479,461.87637501714954,540.60288591231256,613.89727175603059,695.7203915296966,738.29277494149756,800.75246883810553,923.53035311290159,1069.2443758041836,1106.4183926415567]
[null,"Single with 1 children",{"$f":"D25","v":418.7843568683075},418.7843568683075,435.31628507404747,459.3434042590867,500.66101142673813,563.9452770505743,642.81898274201399,716.25031823734048,798.22641153539462,840.87834922596858,903.45476905984412,1026.4621208703993,1172.4485364930315,1209.69196231556]
[null,"Single with 2 children",{"$f":"D26","v":530.70800368721098},530.70800368721098,547.33683506119257,571.50479776872942,613.06460281661111,676.71983171825366,756.05587450460791,829.91769091229617,912.3742793299034,955.2762365546306,1018.219507343968,1141.9479475556752,1288.7900036797223,1326.2518560205667]
[null,"Single with 3 children",{"$f":"E27","v":659.35738504833762},{"$f":"E27","v":659.35738504833762},659.35738504833762,683.66619127837214,725.4681942064841,789.49438638593301,869.29276626720184,943.58506358725185,1026.5221471244122,1069.6741238832926,1132.9842456280917,1257.4337742409512,1405.1314708664131,1442.8117497255735]
[null,"Single with 4 children",{"$f":"D28","v":771.37793503548266},{"$f":"E28","v":771.37793503548266},{"$f":"E27+(E27-E26)","v":771.37793503548266},795.82758478801486,837.87178559635709,902.26894105361237,982.52965802979577,1057.2524362622075,1140.670014918921,1184.0720112119548,1247.7489839122154,1372.9196009262271,{"$f":"O27+(O27-O26)","v":1521.4729380531039},{"$f":"P27+(P27-P26)","v":1559.3716434305802}]
[null,"Single with 5 children",{"$f":"D29","v":883.39848502262771},883.39848502262771,883.39848502262771,907.98897829765758,950.27537698623007,1015.0434957212917,1095.7665497923897,1170.9198089371632,1254.8178827134298,1298.4698985406169,1362.5137221963391,1488.405427611503,1637.8144052397947,1675.931537135587]
[null,"Single with 6 children",995.41903500977276,995.41903500977276,995.41903500977276,1020.1503718073003,1062.6789683761031,1127.8180503889712,1209.0034415549835,1284.5871816121189,1368.9657505079385,1412.867785869279,1477.2784604804629,1603.8912542967789,1754.1558724264855,1792.4914308405937]
[null,"Single with 7 children",1107.4395849969178,1107.4395849969178,1107.4395849969178,1132.3117653169429,1175.0825597659759,1240.5926050566507,1322.2403333175773,1398.2545542870746,1483.1136183024473,1527.2656731979412,1592.0431987645866,1719.3770809820548,1870.4973396131763,1909.0513245456004]
[null,"Single with 8 children",1219.4601349840627,1219.4601349840627,1219.4601349840627,1244.4731588265854,1287.4861511558488,1353.3671597243301,1435.4772250801711,1511.9219269620303,1597.2614860969561,1641.6635605266033,1706.8079370487103,1834.8629076673308,1986.8388067998671,{"$f":"P31+(P31-P30)","v":2025.6112182506072}]
[null,"Single with 9 children",1331.4806849712077,1331.4806849712077,1331.4806849712077,1356.6345523362279,1399.8897425457217,1466.1417143920096,1548.714116842765,1625.589299636986,1711.4093538914649,1756.0614478552654,1821.572675332834,1950.3487343526067,2103.1802739865579,2142.1711119556139]
[null,"Single with 10 children",1443.5012349583526,1443.5012349583526,1443.5012349583526,1468.7959458458704,1512.2933339355945,1578.9162690596891,1661.9510086053588,1739.2566723119417,1825.5572216859737,1870.4593351839276,1936.3374136169577,2065.8345610378828,2219.5217411732488,2258.7310056606207]

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[null,null,"Self employed worksheet"]
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[]
[null,null,null,"Current year",null,"Previous year",null,"Comments"]
[null,null,"Tax year ending ",null,null,null,null,{"$f":"IF(OR(TaxYearPrev=0,TaxYearCur=0),IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(ISERROR(VALUE(D8)<>VALUE(F8)+1),IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(VALUE(D8)<>VALUE(F8)+1,\"Error - Tax years not in consecutive order\",IF(D24<F24,\"Please explain lower current year net income:\",IF(D24>F24*1.2,\"Please explain > 20% increase in net income:\",\"\")))))","v":""}]
[]
[null,null,"Profit/loss (after tax)",null,null,null,null,{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),\"\",IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),\"Please explain only one year income is being used: \",\"\"))","v":""}]
[null,null,"minus Non-recurring income"]
[]
[null,null,"Total profit/loss",{"$f":"ProfitCur-NonRecIncCur","v":0},null,{"$f":"ProfitPrev-NonRecIncPrev","v":0}]
[null,null,"Allowable add-backs"]
[null,null,"Director salary/fees (before tax)"]
[null,null,"Depreciation *"]
[null,null,"Interest expenses (loans being refinanced)"]
[null,null,"Superannuation (in excess of compulsory)"]
[null,null,"Non-recurring expenses (please specify)"]
[null,null,"Other (please specify)"]
[]
[null,null,"Total add-backs",{"$f":"D15+D17+D18+D19+D20+MIN(VALUE(D16),MAX(D13*20%,0))","v":0},null,{"$f":"F15+F17+F18+F19+F20+MIN(VALUE(F16),MAX(F13*20%,0))","v":0}]
[]
[null,null,"Net available income",{"$f":"D13+D22","v":0},null,{"$f":"F13+F22","v":0},null,null,null,null,null,null,2]
[]
[null,null,"Average net available income",null,null,{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),(F24+D24)/2,IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),MAX(D24,F24),0))","v":0},null,{"$f":"IF(AND(SE1netAv>0,SE1netAv>SE1netAvAdj,SE1Test=1),\"This amount can only be considered on an exception basis\",\"\")","v":""}]
[]
[null,null,"Income for serviceability",null,null,{"$f":"IF(AND(ProfitCur<>\"\",ProfitPrev<>\"\"),IF(D24<F24,MIN(D24,F26),MIN(F26,F24+ABS(F24*0.2))),IF(OR(ProfitCur<>\"\",ProfitPrev<>\"\"),MAX(D24,F24),0))","v":0},null,"(this amount auto populates serviceability worksheet)"]
[null,null,"(uses lower current year or max 20% increase rule)"]
[]
[null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4","Total allocation"]
[null,null,"Income allocation to applicants (%)",null,null,null,null,null,null,null,{"$f":"IF(ROUND(D32+F32+H32+J32,3)>100%,\"Error - Total >100%\",TEXT(ROUND(D32+F32+H32+J32,3),\"0.00%\"))","v":"0.00%"},{"$f":"IF(ROUND(D32+F32+H32+J32,3)>100%,K32,\"\")","v":""},{"$f":"ROUND(MAX(1-Bus1_App2Distr-Bus1_App3Distr-Bus1_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus1_App1Distr-Bus1_App3Distr-Bus1_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus1_App2Distr-Bus1_App1Distr-Bus1_App4Distr,0),8)","v":1},{"$f":"ROUND(1-Bus1_App2Distr-Bus1_App3Distr-Bus1_App1Distr,8)","v":1}]
[]
[null,null,{"$f":"\"Income distribution for \"&'Non-Res Serviceability'!D15","v":"Income distribution for China"},{"$f":"IFERROR(IF(SE1Test=1,Bus1_App1Distr*SE1netAv,IF(SE1Test=2,Bus1_App1Distr*SE1netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1Test=1,Bus1_App2Distr*SE1netAv,IF(SE1Test=2,Bus1_App2Distr*SE1netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1Test=1,Bus1_App3Distr*SE1netAv,IF(SE1Test=2,Bus1_App3Distr*SE1netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE1Test=1,Bus1_App4Distr*SE1netAv,IF(SE1Test=2,Bus1_App4Distr*SE1netAvAdj,0)),\"\")","v":0}]
[]
[null,"* Depreciation add-back automatically limited to a maximum 20% of profit in the total add-backs."]
[null,null,{"$f":"\"Self employed - Australia\"","v":"Self employed - Australia"}]
[]
[null,null,null,"Current year",null,"Previous year",null,"Comments"]
[null,null,"Tax year ending ",null,null,null,null,{"$f":"IF(OR(TaxYearPrev2=0,TaxYearCur2=0),IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(ISERROR(VALUE(D40)<>VALUE(F40)+1),IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")),IF(VALUE(D40)<>VALUE(F40)+1,\"Error - Tax years not in consecutive order\",IF(D56<F56,\"Please explain lower current year net income:\",IF(D56>F56*1.2,\"Please explain > 20% increase in net income:\",\"\")))))","v":""}]
[]
[null,null,"Profit/loss (after tax)",null,null,null,null,{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),\"\",IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),\"Please explain only one year income is being used: \",\"\"))","v":""}]
[null,null,"minus Non-recurring income"]
[]
[null,null,"Total profit/loss",{"$f":"ProfitCur2-NonRecIncCur2","v":0},null,{"$f":"ProfitPrev2-NonRecIncPrev2","v":0}]
[null,null,"Allowable add-backs"]
[null,null,"Director salary/fees (before tax)"]
[null,null,"Depreciation *"]
[null,null,"Interest expenses (loans being refinanced)"]
[null,null,"Superannuation (in excess of compulsory)"]
[null,null,"Non-recurring expenses (please specify)"]
[null,null,"Other (please specify)"]
[]
[null,null,"Total add-backs",{"$f":"D47+D49+D50+D51+D52+MIN(VALUE(D48),MAX(D45*20%,0))","v":0},null,{"$f":"F47+F49+F50+F51+F52+MIN(VALUE(F48),MAX(F45*20%,0))","v":0}]
[]
[null,null,"Net available income",{"$f":"D45+D54","v":0},null,{"$f":"F45+F54","v":0},null,null,null,null,null,null,2]
[]
[null,null,"Average net available income",null,null,{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),(F56+D56)/2,IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),MAX(D56,F56),0))","v":0},null,{"$f":"IF(AND(SE2netAv>0,SE2netAv>SE2netAvAdj,SE2Test=1),\"This amount can only be considered on an exception basis\",\"\")","v":""}]
[]
[null,null,"Income for serviceability",null,null,{"$f":"IF(AND(ProfitCur2<>\"\",ProfitPrev2<>\"\"),IF(D56<F56,MIN(D56,F58),MIN(F58,F56+ABS(F56*0.2))),IF(OR(ProfitCur2<>\"\",ProfitPrev2<>\"\"),MAX(D56,F56),0))","v":0},null,"(this amount auto populates serviceability worksheet)"]
[null,null,"(uses lower current year or max 20% increase rule)"]
[]
[null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4","Total allocation"]
[null,null,"Income allocation to applicants (%)",null,null,null,null,null,null,null,{"$f":"IF(ROUND(D64+F64+H64+J64,3)>100%,\"Error - Total >100%\",TEXT(ROUND(D64+F64+H64+J64,3),\"0.00%\"))","v":"0.00%"},{"$f":"IF(ROUND(D64+F64+H64+J64,3)>100%,K64,\"\")","v":""},{"$f":"ROUND(MAX(1-Bus2_App2Distr-Bus2_App3Distr-Bus2_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App1Distr-Bus2_App3Distr-Bus2_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App2Distr-Bus2_App1Distr-Bus2_App4Distr,0),8)","v":1},{"$f":"ROUND(MAX(1-Bus2_App2Distr-Bus2_App3Distr-Bus2_App1Distr,0),8)","v":1}]
[]
[null,null,"Income distribution for Australia",{"$f":"IFERROR(IF(SE2Test=1,Bus2_App1Distr*SE2netAv,IF(SE2Test=2,Bus2_App1Distr*SE2netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2Test=1,Bus2_App2Distr*SE2netAv,IF(SE2Test=2,Bus2_App2Distr*SE2netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2Test=1,Bus2_App3Distr*SE2netAv,IF(SE2Test=2,Bus2_App3Distr*SE2netAvAdj,0)),\"\")","v":0},null,{"$f":"IFERROR(IF(SE2Test=1,Bus2_App4Distr*SE2netAv,IF(SE2Test=2,Bus2_App4Distr*SE2netAvAdj,0)),\"\")","v":0}]
[]
[null,"* Depreciation add-back automatically limited to a maximum 20% of profit in the total add-backs."]

{"sheet":"Rental & Gearing","index":5,"n_rows":34,"n_cols":33,"rows_kept":34,"cut":false,"hidden":true,"merged":[[33,5,33,7],[30,5,30,7],[30,13,32,16],[30,17,32,19],[31,5,31,7],[32,5,32,7],[26,5,26,7],[27,5,27,7],[28,5,28,7],[29,5,29,7],[29,13,29,16],[21,5,21,7],[22,5,22,7],[23,5,23,7],[24,5,24,7],[25,5,25,7],[16,5,16,7],[17,5,17,7],[18,5,18,7],[19,5,19,7],[20,5,20,7],[11,5,11,7],[12,5,12,7],[13,5,13,7],[14,5,14,7],[15,5,15,7],[6,5,6,7],[7,5,7,7],[8,5,8,7],[9,5,9,7],[10,5,10,7],[2,5,2,8],[2,17,2,20],[3,5,3,7],[4,5,4,7],[5,5,5,7]]}
[]
[]
[null,null,null,null,null,"Rental Income",null,null,null,null,null,null,null,null,null,null,null,"Negative Gearing",null,null,null,null,null,null,"Rental"]
[null,null,null,null,null,"Property Address",null,null,"Gross Rental"," Frequency",null,"Annual Rental","Verification","App 1","App 2","App 3","App 4","Amount Owing","Interest Rate","Annual Gearing","App 1","App 2","App 3","App 4","App 1","App 2","App 3","App 4"]
[null,null,null,null,null,null,null,null,0,null,{"$f":"IF(J5=\"Weekly\",52,IF(J5=\"Fortnightly\",26,IF(J5=\"Monthly\",12,IF(J5=\"Quarterly\",4,1))))","v":1},{"$f":"I5*K5","v":0},null,null,null,null,null,0,null,{"$f":"R5*S5","v":0},{"$f":"T5*N5","v":0},{"$f":"T5*O5","v":0},{"$f":"T5*P5","v":0},{"$f":"Q5*T5","v":0},{"$f":"N5*L5","v":0},{"$f":"O5*L5","v":0},{"$f":"P5*L5","v":0},{"$f":"Q5*L5","v":0}]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,null,null,null,"Weekly","Valuation"]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,null,null,null,"Fortnightly","Lease Agreement"]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,null,null,null,"Monthly","Rental Statements"]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0,null,null,null,"Quarterly","Bank Statements"]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,0,null,1,0,null,null,null,null,null,0,null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,"Servicing Figure Inputs",null,null,"Rental","Gearing"]
[null,null,null,null,null,"Applicant 1",null,null,{"$f":"SUM(Y5:Y29)","v":0},{"$f":"SUM(U5:U29)","v":0},null,null,null,"Ownership must be input as a percentage for each individual.",null,null,null,"Full debt must be considered for non parties to the loan.\n"]
[null,null,null,null,null,"Applicant 2",null,null,{"$f":"SUM(Z5:Z29)","v":0},{"$f":"SUM(V5:V29)","v":0}]
[null,null,null,null,null,"Applicant 3",null,null,{"$f":"SUM(AA5:AA29)","v":0},{"$f":"SUM(W5:W29)","v":0}]
[null,null,null,null,null,"Applicant 4",null,null,{"$f":"SUM(AB5:AB29)","v":0},{"$f":"SUM(X5:X29)","v":0}]

{"sheet":"China (USD) exportation limit","index":6,"n_rows":20,"n_cols":5,"rows_kept":20,"cut":false,"hidden":false,"merged":[[15,2,15,3],[16,1,16,3],[17,1,17,3],[19,1,21,4],[2,2,2,4],[5,1,5,2],[12,1,14,1],[12,2,12,3],[13,2,13,3],[14,2,14,3],[1,2,1,4],[3,1,3,4],[4,1,4,3],[10,1,10,3],[11,1,11,3]]}
[]
[null,"Customer Name"]
[null,"Application Number"]
[]
[null,"Proposed Loan Facility",null,null,0]
[null,"China Limit Exportation Calculation",null,"Per annum","AUD Amt Per Mth"]
[null,"Australian PAYG or S/E income",1,0,{"$f":"SUM(C7*D7)/12","v":0}]
[null,"Proposed monthly rental income        (weekly x 52 / 12)",0.8,0,{"$f":"SUM(C8*D8)/12","v":0}]
[null,"All existing AUS property rental income ",0.8,{"$f":"900*52","v":46800},{"$f":"SUM(C9*D9)/12","v":3120}]
[null,"Each Applicant - USD50,000                  Annual Exportation Limit",0.66,50000,{"$f":"SUM(D10/C10)/12","v":6313.1313131313136}]
[null,"Total Monthly Income",null,null,{"$f":"SUM(E7:E10)","v":9433.1313131313145}]
[null,"Proposed monthly Loan Repayment (actual rate from servicing calculator)",null,null,4956.58]
[null,"Existing AUS Monthly repayments","Credit Cards",null,0]
[null,null,"Personal Loan",null,0]
[null,null,"Home Loans",null,0]
[null,"AUST Monthly Living Expenses",null,null,0]
[null,"Total Monthly Expenses/Repayments",null,null,{"$f":"SUM(E12:E16)","v":4956.58}]
[null,"Shortfall/Surplus  funds AUD per month",null,null,{"$f":"E11-E17","v":4476.5513131313146}]
[null,"Shortfall / Surplus Funds AUD",12,{"$f":"SUM(E18)","v":4476.5513131313146},{"$f":"SUM(C19*D19)","v":53718.615757575775}]
[null,"Please Note: Converted AUD Exportation Limit should be greater than Shortfall Funds AUD"]

{"sheet":"Numbeo Living Expense Reference","index":7,"n_rows":30,"n_cols":11,"rows_kept":30,"cut":false,"hidden":false,"merged":[[0,1,0,2],[2,10,10,14]]}
[null,"Type of Applicants",null,"Per Child 50% of Single"]
["Country ","Single","Couple(1.92 * Single)",null,null,null,"Country ","Single","Couple","ratio"]
["Australia",1599.3,{"$f":"B3*1.92","v":3070.6559999999999},{"$f":"+B3/2","v":799.65},null,null,"Australia",1438.44,2740.14,{"$f":"I3/H3","v":1.9049386835738715},"As NUMBEO does not release living expense for couple any more, we use the ratio (Couple/Single) from old data. See the left. And since the maximum ratio is 1.92, we use this maximum ratio in a conservative view.  "]
["Brazil",799.6,{"$f":"B4*1.92","v":1535.232},{"$f":"+B4/2","v":399.8},null,null,"Brazil",655.75,1238.71,{"$f":"I4/H4","v":1.8889973313000381}]
["Brunei",1207.7,2318.7840000000001,{"$f":"+B5/2","v":603.85},null,null,"Brunei",822.12,1569.89,1.9095630808154529]
["Canada",1607.1,3085.6319999999996,803.55,null,null,"Canada",1332.25,2549.16,1.9134246575342464]
["China",834.6,1602.432,417.3,null,null,"China",830.9,1580.92,1.9026597665182334]
["France",1570.2,3014.7840000000001,785.1,null,null,"France",1578.85,2980.97,1.8880640972859992]
["Germany",1651.4,3170.6880000000001,825.7,null,null,"Germany",1264.9100000000001,2309.12,1.8255211833252956]
["Hong Kong",1796.7,3449.6639999999998,898.35,null,null,"Hong Kong",1447.25,2714.08,1.8753359820348938]
["India",528.29999999999995,1014.3359999999999,264.14999999999998,null,null,"India",517.78,958,1.8502066514735989]
["Indonesia",708.8,1360.896,354.4,null,null,"Indonesia",802.25,1491.63,1.8593081956995949]
["Japan",1374.9,2639.808,687.45,null,null,"Japan",1593.53,3003.28,1.8846711389179998]
["Macau",1474.6,2831.2319999999995,737.3,null,null,"Macau",1357.24,2595.5300000000002,1.9123589048362855]
["Malaysia",821.2,1576.704,410.6,null,null,"Malaysia",699.43,1324.95,1.8943282387086631]
["Mexico",978.7,1879.104,489.35,null,null,"Mexico",679.23,1299.78,1.9136080561812641]
["New Zealand",1507.7,2894.7840000000001,753.85,null,null,"New Zealand",1328.55,2535.85,1.9087350871250612]
["Philippines",867,1664.6399999999999,433.5,null,null,"Philippines",797.21,1466.82,1.839941797017097]
["Qatar",1398.2,2684.5439999999999,699.1,null,null,"Qatar",1273.3800000000001,2450,1.9240132560586782]
["Saudi Arabia",1282.3,2462.0159999999996,641.15,null,null,"Saudi Arabia",978.84,1858.23,1.8984001471129091]
["Singapore",1787.6,3432.1919999999996,893.8,null,null,"Singapore",1306.45,2496.64,1.9110107543342645]
["South Africa",934.8,1794.8159999999998,467.4,null,null,"South Africa",748.16,1414.21,1.8902507485029942]
["South Korea",1602,3075.8399999999997,801,null,null,"South Korea",1486.06,2816.68,1.8954012623985572]
["Switzerland",2592.6999999999998,4977.9839999999995,1296.3499999999999,null,null,"Switzerland",2264.56,4333.75,1.913727169957961]
["Taiwan",1196.5999999999999,2297.4719999999998,598.29999999999995,null,null,"Taiwan",1120.8900000000001,2149.3000000000002,1.9174941341255609]
["UAE",1602.9,3077.5680000000002,801.45,null,null,"UAE",1224.19,2315.67,1.8915936251725631]
["UK",1633.9,3137.0880000000002,816.95,null,null,"UK",1497.94,2801.38,1.8701550128843611]
["USA",1861,3573.12,930.5,null,null,"USA",1603,3058.86,1.9082096069868997]
["Vietnam",733.7,{"$f":"B29*1.92","v":1408.704},366.85,null,null,"Vietnam",651.36,1218.5999999999999,1.870854826823876]
["***updated on 07/02/2025***"]

{"sheet":"Log Change","index":8,"n_rows":5,"n_cols":3,"rows_kept":5,"cut":false,"hidden":true,"merged":[[0,0,0,2]]}
["Change Log"]
["Calculator","Date","Change"]
["Non-Res Serviceability","4.1 -> 4.2","Assessment rate amended floor - 5.29%\nAssessment rate amended buffer - 2.50%"]
["Non-Res Serviceability","4.3\n25/07/2022","Assessment rate amended buffer  - 3.00%\nupdate HEM table Q1 2022\nAdd Genworth DTI®\nAdd Rental & Gearing Cal"]
["Non-Res Serviceability","4.4\n11/09/2023","Assessment rate amended buffer  - 2.5%\nupdate HEM table Q2 2023"]

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[]
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[]
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[]
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[]
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[]
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[]
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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,"Totals:",null,{"$f":"SUM(U118:U119)","v":0},null,{"$f":"SUM(W118:W119)","v":0},null,{"$f":"SUM(Y118:Y119)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y120/12)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMSF Contributions - Applicant 4"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross Taxable Income",null,null,"Tax Rate",null,"Gross",null,"Tax",null,"Net"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,25000,{"$f":"Q126-P126+1","v":25000},{"$f":"S102","v":0.15},null,{"$f":"IF('SMSF Servicing Calculator'!D15<Q126,'SMSF Servicing Calculator'!D15,R126)","v":0},{"$f":"U126","v":0},{"$f":"U126*S126","v":0},null,{"$f":"V126-W126","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25001,10000000,{"$f":"Q127-P127+1","v":9975000},{"$f":"S103","v":0.47},null,{"$f":"IF(V126='SMSF Servicing Calculator'!$D$15,0,IF(('SMSF Servicing Calculator'!$D$15-V126)>R127,R127,('SMSF Servicing Calculator'!$D$15-V126)))","v":0},{"$f":"V126+U127","v":0},{"$f":"U127*S127","v":0},null,{"$f":"U127-W127","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totals:",null,{"$f":"SUM(U126:U127)","v":0},null,{"$f":"SUM(W126:W127)","v":0},null,{"$f":"SUM(Y126:Y127)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",null,{"$f":"(Y128/12)","v":0}]

{"sheet":"HEM2","index":10,"n_rows":99,"n_cols":16,"rows_kept":99,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
[null,null,null,"\"HEM Table 1\" equivalent: by Income Level and Residency",null,null,null,null,null,null,null,null,null,null,null,"Q3 2025"]
[null,null,null,null,null,"BASED ON PREDICTED VALUES FROM THE QUANTILE REGRESSIONS"]
[null,null,null,null,null,null,null,"Smoothed HEM"]
[null,"Column for lookup","2","3","4","5","6","7","8","9","10","11","12","13","14","15"]
[null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)"]
[null,null,-9999999999,27000,40000,53000,66000,80000,106000,133000,160000,186000,213000,266000,332000,399000]
[null,null,"or less","to","to","to","to","to","to","to","to","to","to","to","to","to"]
[null,null,null,40000,53000,66000,80000,106000,133000,160000,186000,213000,266000,332000,399000,665000]
[null,"Australia"]
[null,"Couple with 0 children",607.03220099834425,607.03220099834425,621.25587091035061,644.64839461311362,688.95520944247846,748.27473492808667,836.18849200924569,912.06161445181078,992.81604173110452,1045.9043963588829,1106.9545547124492,1230.6843727151536,1397.045429196357,1418.5656493252166]
[null,"Couple with 1 children",711.60574962167209,711.60574962167209,711.60574962167209,734.94263976910099,779.14408274414222,838.32252974756443,926.02720561225317,1001.7198837043219,1082.2822590161322,1135.2443555414188,1196.1493230249164,1319.5848796283876,1485.5502881264495,1507.019328012326]
[null,"Couple with 2 children",784.69852675691993,784.69852675691993,784.69852675691993,808.05271744436516,852.28692632339016,911.50924342239171,999.27893501079541,1075.0277244128831,1155.6498202303956,1208.6511774178159,1269.6012940086123,1393.1283534171466,1559.2167935854668,1580.7017491890897]
[null,"Couple with 3 children",861.89893435886142,861.89893435886142,861.89893435886142,861.89893435886142,905.84479560250543,964.68106369933946,1051.878613282011,1127.1336209961514,1207.2301682027305,1259.8860249437496,1320.4388299776156,1443.1606573291474,1608.1664220554062,1629.5113230988109]
[null,"Couple with 4 children",{"$f":"D17","v":915.74515127335769},{"$f":"E17","v":915.74515127335769},{"$f":"F17","v":915.74515127335769},{"$f":"F16+(F16-F15)","v":915.74515127335769},{"$f":"G16+(G16-G15)","v":959.40266488162069},1017.8528839762872,1104.4782915532264,1179.2395175794197,1258.8105161750655,1311.1208724696833,1371.2763659466189,1493.1929612411482,1657.1160505253456,1678.320897008532]
[null,"Couple with 5 children",{"$f":"C17+(C17-C16)","v":969.59136818785396},969.59136818785396,969.59136818785396,969.59136818785396,1012.960534160736,1071.0247042532351,1157.0779698244419,1231.345414162688,1310.3908641474004,1362.3557199956169,1422.1139019156221,1543.2252651531489,1706.065678995285,1727.1304709182532]
[null,"Couple with 6 children",1023.4375851023502,1023.4375851023502,1023.4375851023502,1023.4375851023502,1066.5184034398512,1124.1965245301831,1209.6776480956573,1283.4513107459563,1361.9712121197354,1413.5905675215506,1472.9514378846254,1593.2575690651497,1755.0153074652244,{"$f":"P18+(P18-P17)","v":1775.9400448279744}]
[null,"Couple with 7 children",1077.2838020168465,1077.2838020168465,1077.2838020168465,1077.2838020168465,1120.0762727189665,1177.3683448071311,1262.2773263668728,1335.5572073292246,1413.5515600920703,1464.8254150474843,1523.7889738536287,1643.2898729771505,1803.9649359351638,1824.7496187376955]
[null,"Couple with 8 children",1131.1300189313429,1131.1300189313429,1131.1300189313429,1131.1300189313429,1173.6341419980818,1230.540165084079,1314.8770046380882,1387.6631039124929,1465.1319080644053,1516.060262573418,1574.626509822632,1693.3221768891513,1852.9145644051032,1873.5591926474167]
[null,"Couple with 9 children",1184.9762358458393,1184.9762358458393,1184.9762358458393,1184.9762358458393,1227.192011277197,1283.711985361027,1367.4766829093037,1439.7690004957612,1516.7122560367402,1567.2951100993516,1625.4640457916353,1743.354480801152,1901.8641928750426,{"$f":"P21+(P21-P20)","v":1922.3687665571379}]
[null,"Couple with 10 children",1238.8224527603356,1238.8224527603356,1238.8224527603356,1238.8224527603356,1280.7498805563123,1336.883805637975,1420.0763611805191,1491.8748970790296,1568.2926040090751,1618.5299576252853,1676.3015817606386,1793.3867847131528,1950.813821344982,1971.178340466859]
[null,"Single with 0 children",315.14766327112591,331.89699064867381,346.11739409115773,369.50454544442681,413.80118370818025,473.10708598338312,561.00065168301694,636.85634918913775,717.59223027636835,770.66839234129202,831.70453004921171,955.40593110606335,1121.7287812951297,1143.2440581682079]
[null,"Single with 1 children",434.58457586875608,434.58457586875608,448.76834254718642,472.09523554270089,516.2777474037199,575.43084885863436,663.09795978953719,738.75821736938951,819.28608839238836,872.22549981248847,933.10438011941017,1056.4870677117237,1222.3813926934849,1243.8412352243961]
[null,"Single with 2 children",550.46436693441899,550.46436693441899,564.68826324900544,588.08115440305301,632.38866960911241,691.70913508483909,779.62427977674849,855.49860082582677,936.25430448964494,989.34350145119856,1050.394622045261,1174.1263976569969,1340.490085487128,1362.0106426151735]
[null,"Single with 3 children",680.60818395082447,680.60818395082447,680.60818395082447,704.06707326340506,748.49959181450492,807.98742131104382,896.1505997639598,972.23898428226403,1053.2225205869015,1106.4615030899085,1167.684863971112,1291.7657276022701,1458.5987782807711,1480.180050005951]
[null,"Single with 4 children",{"$f":"D28","v":796.52810465264349},{"$f":"E28","v":796.52810465264349},{"$f":"E27+(E27-E26)","v":796.52810465264349},820.05299212375712,864.61051401989744,924.26570753724855,1012.6769197511711,1088.9793677387013,1170.1907366841581,1223.5795047286185,1284.975105896963,1409.4050575475433,{"$f":"O27+(O27-O26)","v":1576.7074710744141},{"$f":"P27+(P27-P26)","v":1598.3494573967284}]
[null,"Single with 5 children",{"$f":"D29","v":912.44802535446252},912.44802535446252,912.44802535446252,936.03891098410918,980.72143622528995,1040.5439937634533,1129.2032397383823,1205.7197511951385,1287.1589527814147,1340.6975063673285,1402.265347822814,1527.0443874928164,1694.8161638680572,1716.5188647875059]
[null,"Single with 6 children",1028.3679460562817,1028.3679460562817,1028.3679460562817,1052.0248298444612,1096.8323584306825,1156.822279989658,1245.7295597255934,1322.4601346515758,1404.1271688786712,1457.8155080060385,1519.5555897486649,1644.6837174380896,1812.9248566617002,1834.6882721782833]
[null,"Single with 7 children",1144.2878667581008,1144.2878667581008,1144.2878667581008,1168.0107487048133,1212.9432806360751,1273.1005662158627,1362.2558797128045,1439.2005181080131,1521.0953849759278,1574.9335096447485,1636.8458316745159,1762.3230473833628,1931.0335494553433,1952.8576795690608]
[null,"Single with 8 children",1260.2077874599199,1260.2077874599199,1260.2077874599199,1283.9966675651654,1329.0542028414677,1389.3788524420675,1478.7821997000156,1555.9409015644503,1638.0636010731844,1692.0515112834585,1754.1360736003669,1879.962377328636,2049.1422422489863,{"$f":"P31+(P31-P30)","v":2071.027086959838}]
[null,"Single with 9 children",1376.1277081617391,1376.1277081617391,1376.1277081617391,1399.9825864255174,1445.1651250468603,1505.6571386682722,1595.3085196872266,1672.6812850208876,1755.0318171704409,1809.1695129221685,1871.4263155262179,1997.6017072739091,2167.2509350426294,2189.1964943506155]
[null,"Single with 10 children",1492.0476288635582,1492.0476288635582,1492.0476288635582,1515.9685052858695,1561.276047252253,1621.9354248944769,1711.8348396744377,1789.4216684773248,1872.0000332676975,1926.2875145608784,1988.7165574520689,2115.2410372191825,2285.3596278362725,2307.3659017413929]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"\"HEM Table 1\" equivalent"]
[null,"BASED ON RAW DATA"]
[null,"Smoothed HEM"]
[null,"WORKFORCE STATUS HEAD NOT USED","Including Housing $ per week","Other than Housing S per week"]
[null,"Couple","-",649.86874999999998]
[null,"Couple with 1 child","-",858.94024038461532]
[null,"Couple with 2 children","-",911.12908653846148,null,null,null,null,"$ per Week","$ per Month"]
[null,"Couple with 3 children","-",989.22083333333342,null,null,null,"Single",301,{"$f":"I52*52/12","v":1304.3333333333333}]
[null,null,null,null,null,null,null,"Couples",650,{"$f":"I53*52/12","v":2816.6666666666665}]
[null,"Single person","-",301.12581730769227,null,null,null,"Children",409,{"$f":"(I54-I52)*52/12","v":468}]
[null,"Single parent with 1 child","-",409.0383173076923]
[null,"Single parent with 2 children","-",493.36937500000005]
[null,"Single parent with 3 children","-",577.7004326923078]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Monthly HEM"]
[]
[]
[null,"Column for lookup",2,3,4,5,6,7,8,9,10]
[null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)"]
[null,null,0,22000,32000,43000,54000,65000,86000,108000,129000]
[null,null,"or less","to","to","to","to","to","to","to","to"]
[null,null,null,32000,43000,54000,65000,86000,108000,129000,151000]
[null,"Australia"]
[null,"Couple with 0 children",{"$f":"C13*52/12","v":2630.4728709928254},2630.4728709928254,2692.1087739448526,2793.4763766568253,2985.4725742507399,3242.5238513550426,3623.4834653733978,3952.2669959578466,4302.2028475014531]
[null,"Couple with 1 children",{"$f":"C14*52/12","v":3083.6249150272456},3083.6249150272456,3083.6249150272456,3184.7514389994376,3376.2910252246165,3632.7309622394459,4012.7845576530967,4340.7861627187276,4689.8897890699063]
[null,"Couple with 2 children",{"$f":"C15*52/12","v":3400.3602826133197},3400.3602826133197,3400.3602826133197,3501.561775592249,3693.2433474013574,3949.8733881636977,4330.2087183801132,4658.4534724558271,5007.8158876650477]
[null,"Couple with 3 children",{"$f":"C16*52/12","v":3734.8953822217331},3734.8953822217331,3734.8953822217331,3734.8953822217331,3925.3274476108568,4180.2846093638045,4558.140657555381,4884.2456909833227,5231.330728878499]
[null,"Couple with 4 children",{"$f":"C17*52/12","v":3968.2289888512169},3968.2289888512169,3968.2289888512169,3968.2289888512169,4157.4115478203566,4410.6958305639118,4786.072596730648,5110.0379095108192,5454.8455700919503]
[null,"Couple with 5 children",{"$f":"C18*52/12","v":4201.562595480701},4201.562595480701,4201.562595480701,4201.562595480701,4389.4956480298561,4641.1070517640192,5014.004535905915,5335.8301280383148,5678.3604113054016]
[null,"Couple with 6 children",{"$f":"C19*52/12","v":4434.8962021101843},4434.8962021101843,4434.8962021101843,4434.8962021101843,4621.5797482393555,4871.5182729641265,5241.9364750811819,5561.6223465658113,5901.8752525188538]
[null,"Couple with 7 children",{"$f":"C20*52/12","v":4668.2298087396675},4668.2298087396675,4668.2298087396675,4668.2298087396675,4853.6638484488549,5101.9294941642347,5469.8684142564489,5787.4145650933069,6125.3900937323051]
[null,"Couple with 8 children",{"$f":"C21*52/12","v":4901.5634153691526},4901.5634153691526,4901.5634153691526,4901.5634153691526,5085.7479486583543,5332.3407153643429,5697.8003534317149,6013.2067836208034,6348.9049349457564]
[null,"Couple with 9 children",{"$f":"C22*52/12","v":5134.8970219986368},5134.8970219986368,5134.8970219986368,5134.8970219986368,5317.8320488678537,5562.7519365644503,5925.7322926069828,6238.999002148299,6572.4197761592077]
[null,"Couple with 10 children",{"$f":"C23*52/12","v":5368.2306286281209},5368.2306286281209,5368.2306286281209,5368.2306286281209,5549.916149077354,5793.1631577645576,6153.6642317822489,6464.7912206757946,6795.934617372659]
[]
[null,"Single with 0 children",{"$f":"C24*52/12","v":1365.639874174879},1438.2202928109198,1499.8420410616836,1601.1863635925163,1793.1384627354475,2050.1307059279934,2431.00282395974,2759.7108464862636,3109.5663311975964]
[null,"Single with 1 children",{"$f":"C25*52/12","v":1883.1998287646095},1883.1998287646095,1944.6628177044743,2045.7460206850371,2237.2035720827862,2493.5336783874154,2873.4244924213276,3201.2856086006882,3550.2397163670162]
[null,"Single with 2 children",{"$f":"C26*52/12","v":2385.345590049149},2385.345590049149,2446.9824740790236,2548.3516690798965,2740.3509016394873,2997.4062520343027,3378.3718790325765,3707.1606035785826,4057.1019861217951]
[null,"Single with 3 children",{"$f":"C27*52/12","v":2949.3021304535728},2949.3021304535728,2949.3021304535728,3050.9573174747552,3243.498231196188,3501.2788256811896,3883.3192656438259,4213.0355985564775,4563.9642558765727]
[null,"Single with 4 children",{"$f":"C28*52/12","v":3451.6217868281219},3451.6217868281219,3451.6217868281219,3553.5629658696143,3746.6455607528892,4005.1513993280769,4388.2666522550744,4718.9105935343723,5070.8265256313516]
[null,"Single with 5 children",{"$f":"C29*52/12","v":3953.9414432026711},3953.9414432026711,3953.9414432026711,4056.1686142644735,4249.7928903095899,4509.0239729749637,4893.2140388663238,5224.7855885122672,5577.6887953861296]
[null,"Single with 6 children",{"$f":"C30*52/12","v":4456.2610995772202},4456.2610995772202,4456.2610995772202,4558.7742626593317,4752.940219866291,5012.8965466218515,5398.1614254775714,5730.6605834901611,6084.5510651409086]
[null,"Single with 7 children",{"$f":"C31*52/12","v":4958.5807559517698},4958.5807559517698,4958.5807559517698,5061.3799110541904,5256.0875494229922,5516.7691202687383,5903.1088120888198,6236.5355784680569,6591.4133348956866]
[null,"Single with 8 children",{"$f":"C32*52/12","v":5460.9004123263194},5460.9004123263194,5460.9004123263194,5563.98555944905,5759.2348789796933,6020.6416939156261,6408.0561987000665,6742.4105734459517,7098.2756046504655]
[null,"Single with 9 children",{"$f":"C33*52/12","v":5963.220068700869},5963.220068700869,5963.220068700869,6066.5912078439096,6262.3822085363945,6524.5142675625129,6913.003585311315,7248.2855684238457,7605.1378744052445]
[null,"Single with 10 children",{"$f":"C34*52/12","v":6465.5397250754186},6465.5397250754186,6465.5397250754186,6569.1968562387674,6765.5295380930957,7028.3868412094007,7417.9509719225634,7754.1605634017405,8112.0001441600225]

{"sheet":"RepayCalculator","index":11,"n_rows":50,"n_cols":10,"rows_kept":50,"cut":false,"hidden":true,"merged":[]}
["Dropdown box data"]
["Principal & Interest"]
["Interest Only"]
[]
[]
["Serviceability Sensitivity",0.02]
[]
["Interest Rate Floor",5.7500000000000002E-2]
[]
["Interest Only Period","Loan Term","LoanType","Stressed","Status","Household","Dependents",null,null,"Non Res Commitment"]
[0,30]
[1,29,"Mortgage Loan - Investment","Mortgage Loan - Investment","Single","Household 1",0,null,null,"Personal Loan (fixed)"]
[2,28,"Mortgage Loan - Owner Occupied","Mortgage Loan - Owner Occupied","Couple","Household 2",1,null,null,"Overdraft"]
[3,27,"Lease / Hire Purchase","Overdraft",null,"Household 3",2,null,null,"Housing Loan Variable - Owner Occupied"]
[4,26,"Line of Credit","Personal Loan - Variable",null,"Household 4",3,null,null,"Housing Loan Variable - Investment"]
[5,25,"Overdraft","Line of Credit",null,null,4,null,null,"Lease / HP"]
[null,24,"Personal Loan - Fixed",null,null,null,5,null,null,"Annual Fee"]
[null,23,"Personal Loan - Variable",null,null,null,6,null,null,"Child Support"]
[null,22,"Private Loan",null,null,null,7,null,null,"Rent / Board"]
[null,21,"Other",null,null,null,8]
[null,20,null,null,null,null,9]
[null,19,null,null,null,null,10,null,null,{"$f":"\"Personal Loan (fixed) - \"&'Non-Res Serviceability'!F15","v":"Personal Loan (fixed) - "}]
[null,18,null,null,null,null,null,null,null,{"$f":"\"Overdraft - \"&'Non-Res Serviceability'!F15","v":"Overdraft - "}]
[null,17,null,null,null,null,null,null,null,{"$f":"\"Housing Loan Variable - OO - \"&'Non-Res Serviceability'!F15","v":"Housing Loan Variable - OO - "}]
[null,16,null,null,null,null,null,null,null,{"$f":"\"Housing Loan Variable - Investment - \"&'Non-Res Serviceability'!F15","v":"Housing Loan Variable - Investment - "}]
[null,15,null,null,null,null,null,null,null,{"$f":"\"Lease / HP - \"&'Non-Res Serviceability'!F15","v":"Lease / HP - "}]
[null,14,null,null,null,null,null,null,null,{"$f":"\"Other - \"&'Non-Res Serviceability'!F15","v":"Other - "}]
[null,13,null,null,null,null,null,null,null,{"$f":"\"Child Support - \"&'Non-Res Serviceability'!F15","v":"Child Support - "}]
[null,12,null,null,null,null,null,null,null,{"$f":"\"Rent / Board - \"&'Non-Res Serviceability'!F15","v":"Rent / Board - "}]
[null,11]
[null,10]
[null,9]
[null,8]
[null,7]
[null,6]
[null,5]
[null,4]
[null,3]
[null,2]
[null,1]
[null,0]
[]
["Rental Income - Standard",0.8]
["Rental Income - SMSF",0.8]
["Rental Income - ICR",0.8]
[]
["Serviceability Sensitivity - ICR",0.02]
[]
[]
[null,null,null,{"$f":"IF(#REF!=\"No\",IF(B42+RepayCalculator!B6<RepayCalculator!B8,RepayCalculator!#REF!,RepayCalculator!#REF!))","v":{"$error":"#REF!"}}]

{"sheet":"Cost of Living Index","index":12,"n_rows":139,"n_cols":9,"rows_kept":139,"cut":false,"hidden":true,"merged":[[0,6,0,8]]}
["Country","Cost of Living Index","Currency Code",null,{"$f":"_xlfn._xlws.SORT(_xlfn._xlws.FILTER(A:A,ISNUMBER(SEARCH('Non-Res Serviceability'!D15,A:A)),\"not found\"))","v":"China"},{"$f":"_xlfn._xlws.SORT(_xlfn._xlws.FILTER(A:A,ISNUMBER(SEARCH('Non-Res Serviceability'!F15,A:A)),\"not found\"))","v":"Afghanistan"},"Living Allowance Calculation"]
["Afghanistan",26.33,"AFN",null,null,"Albania"]
["Albania",40.25,"ALL",null,null,"Algeria",null,"$ per Week","$ per Month"]
["Algeria",28.31,"DZD",null,null,"Argentina","Single",343,{"$f":"H4*52/12","v":1486.3333333333333}]
["Argentina",37.869999999999997,"ARS",null,null,"Armenia","Couples",526,{"$f":"H5*52/12","v":2279.3333333333335}]
["Armenia",31.68,"AMD",null,null,"Australia","Children",489.48,{"$f":"(H6-H4)*52/12","v":634.74666666666678}]
["Australia",84.14,"AUD",null,null,"Austria"]
["Austria",75.489999999999995,"EUR",null,null,"Azerbaijan"]
["Azerbaijan",30.9,"AZN",null,null,"Bahamas","Version Date: 1 March 2020"]
["Bahamas",85.85,"BSD",null,null,"Bahrain"]
["Bahrain",57.7,"BHD",null,null,"Bangladesh"]
["Bangladesh",33.31,"BDT",null,null,"Barbados","HEM Data Date - 2021"]
["Barbados",81.489999999999995,"BBD",null,null,"Belarus","Cost of Living Data Date - 2021"]
["Belarus",30.69,"BYN",null,null,"Belgium"]
["Belgium",78.52,"EUR",null,null,"Belize","Australia",84.14]
["Belize",52.45,"BZD",null,null,"Bermuda"]
["Bermuda",145.07,"BMD",null,null,"Bolivia"]
["Bolivia",36.11,"BOB",null,null,"Bosnia And Herzegovina"]
["Bosnia And Herzegovina",38.56,"BAM",null,null,"Botswana"]
["Botswana",40.409999999999997,"BWP",null,null,"Brazil"]
["Brazil",31.82,"BRL",null,null,"Brunei"]
["Brunei",49.35,"BND",null,null,"Bulgaria"]
["Bulgaria",40.92,"BGN",null,null,"Cambodia"]
["Cambodia",47.91,"KHR",null,null,"Cameroon"]
["Cameroon",42.57,"XAF",null,null,"Canada"]
["Canada",70.08,"CAD",null,null,"Chile"]
["Chile",49.33,"CLP",null,null,"China"]
["China",42.54,"CNY",null,null,"Colombia"]
["Colombia",31,"COP",null,null,"Costa Rica"]
["Costa Rica",50.64,"CRC",null,null,"Country"]
["Croatia",56.36,"HRK",null,null,"Croatia"]
["Cuba",55.54,"CUP",null,null,"Cuba"]
["Cyprus",64.05,"EUR",null,null,"Cyprus"]
["Czech Republic",49.18,"CZK",null,null,"Czech Republic"]
["Denmark",91.67,"DKK",null,null,"Denmark"]
["Dominican Republic",41.54,"DOP",null,null,"Dominican Republic"]
["Ecuador",40.08,"USD",null,null,"Ecuador"]
["Egypt",30.1,"EGP",null,null,"Egypt"]
["El Salvador",44.57,"SVC",null,null,"El Salvador"]
["Estonia",56.45,"EUR",null,null,"Estonia"]
["Ethiopia",54.3,"ETB",null,null,"Ethiopia"]
["Fiji",48.54,"FJD",null,null,"Fiji"]
["Finland",77.459999999999994,"EUR",null,null,"Finland"]
["France",80.62,"EUR",null,null,"France"]
["Georgia",28.05,"GEL",null,null,"Georgia"]
["Germany",70.62,"EUR",null,null,"Germany"]
["Ghana",40.630000000000003,"GHS",null,null,"Ghana"]
["Greece",60.96,"EUR",null,null,"Greece"]
["Guatemala",44.76,"GTQ",null,null,"Guatemala"]
["Honduras",42.2,"HNL",null,null,"Honduras"]
["Hong Kong",79.94,"HKD",null,null,"Hong Kong"]
["Hungary",42.75,"HUF",null,null,"Hungary"]
["Iceland",96.77,"ISK",null,null,"Iceland"]
["India",25.16,"INR",null,null,"India"]
["Indonesia",37.44,"IDR",null,null,"Indonesia"]
["Iran",41.34,"IRR",null,null,"Iran"]
["Iraq",32.72,"IQD",null,null,"Iraq"]
["Ireland",83.11,"EUR",null,null,"Ireland"]
["Israel",86.63,"ILS",null,null,"Israel"]
["Italy",73.11,"EUR",null,null,"Italy"]
["Ivory Coast",54.61,"XOF",null,null,"Ivory Coast"]
["Jamaica",53.16,"JMD",null,null,"Jamaica"]
["Japan",87.77,"JPY",null,null,"Japan"]
["Jordan",52.17,"JOD",null,null,"Jordan"]
["Kazakhstan",29.76,"KZT",null,null,"Kazakhstan"]
["Kenya",36.299999999999997,"KES",null,null,"Kenya"]
["Kosovo (Disputed Territory)",29.4,"EUR",null,null,"Kosovo (Disputed Territory)"]
["Kuwait",49.4,"KWD",null,null,"Kuwait"]
["Kyrgyzstan",22.98,"KGS",null,null,"Kyrgyzstan"]
["Latvia",52.87,"EUR",null,null,"Latvia"]
["Lebanon",75.88,"LBP",null,null,"Lebanon"]
["Libya",22.32,"LYD",null,null,"Libya"]
["Lithuania",47.66,"EUR",null,null,"Lithuania"]
["Luxembourg",88.28,"EUR",null,null,"Luxembourg"]
["Macao",69.599999999999994,"MOP",null,null,"Macao"]
["Malaysia",39.51,"MYR",null,null,"Malaysia"]
["Malta",73.61,"EUR",null,null,"Malta"]
["Mauritius",52.57,"MUR",null,null,"Mauritius"]
["Mexico",35.049999999999997,"MXN",null,null,"Mexico"]
["Moldova",32.68,"MDL",null,null,"Moldova"]
["Mongolia",33.17,"MNT",null,null,"Mongolia"]
["Montenegro",41.43,"EUR",null,null,"Montenegro"]
["Morocco",36.85,"MAD",null,null,"Morocco"]
["Mozambique",35.89,"MZN",null,null,"Mozambique"]
["Myanmar",38.06,"MMK",null,null,"Myanmar"]
["Namibia",41.02,"NAD",null,null,"Namibia"]
["Nepal",28.86,"NPR",null,null,"Nepal"]
["Netherlands",78.64,"EUR",null,null,"Netherlands"]
["New Zealand",79.14,"NZD",null,null,"New Zealand"]
["Nicaragua",42.77,"NIO",null,null,"Nicaragua"]
["Nigeria",29.74,"NGN",null,null,"Nigeria"]
["North Macedonia",34.15,"MKD",null,null,"North Macedonia"]
["Norway",106.09,"NOK",null,null,"Norway"]
["Oman",50.18,"OMR",null,null,"Oman"]
["Pakistan",21.59,"PKR",null,null,"Pakistan"]
["Palestine",55.88,null,null,null,"Palestine"]
["Panama",54.07,"PAB",null,null,"Panama"]
["Paraguay",30.72,"PYG",null,null,"Paraguay"]
["Peru",36.26,"PEN",null,null,"Peru"]
["Philippines",40.65,"PHP",null,null,"Philippines"]
["Poland",42.04,"PLN",null,null,"Poland"]
["Portugal",52.88,"EUR",null,null,"Portugal"]
["Puerto Rico",69.510000000000005,"USD",null,null,"Puerto Rico"]
["Qatar",64.23,"QAR",null,null,"Qatar"]
["Romania",38.5,"RON",null,null,"Romania"]
["Russia",33.17,"RUB",null,null,"Russia"]
["Rwanda",34.07,"RWF",null,null,"Rwanda"]
["Saudi Arabia",49.95,"SAR",null,null,"Saudi Arabia"]
["Serbia",39.19,"RSD",null,null,"Serbia"]
["Seychelles",78.92,"SCR",null,null,"Seychelles"]
["Singapore",85.59,"SGD",null,null,"Singapore"]
["Slovakia",49.08,"EUR",null,null,"Slovakia"]
["Slovenia",59.38,"EUR",null,null,"Slovenia"]
["Somalia",37.42,"SOS",null,null,"Somalia"]
["South Africa",41.69,"ZAR",null,null,"South Africa"]
["South Korea",81.2,"KRW",null,null,"South Korea"]
["Spain",59.09,"EUR",null,null,"Spain"]
["Sri Lanka",31.28,"LKR",null,null,"Sri Lanka"]
["Suriname",51.86,"SRD",null,null,"Suriname"]
["Sweden",79.17,"SEK",null,null,"Sweden"]
["Switzerland",131.75,"CHF",null,null,"Switzerland"]
["Syria",29.03,"SYP",null,null,"Syria"]
["Taiwan",65.25,"TWD",null,null,"Taiwan"]
["Tanzania",34.6,"TZS",null,null,"Tanzania"]
["Thailand",49.32,"THB",null,null,"Thailand"]
["Trinidad And Tobago",55.48,"TTD",null,null,"Trinidad And Tobago"]
["Tunisia",29.5,"TND",null,null,"Tunisia"]
["Turkey",31.48,"TRY",null,null,"Turkey"]
["Uganda",32.18,"UGX",null,null,"Uganda"]
["Ukraine",29.21,"UAH",null,null,"Ukraine"]
["United Arab Emirates",61.67,"AED",null,null,"United Arab Emirates"]
["United Kingdom",71.03,"GBP",null,null,"United Kingdom"]
["United States",71.92,"USD",null,null,"United States"]
["Uruguay",51.09,"UYU",null,null,"Uruguay"]
["Uzbekistan",27.12,"UZS",null,null,"Uzbekistan"]
["Vietnam",38.049999999999997,"VND",null,null,"Vietnam"]
["Yemen",51.46,"YER",null,null,"Yemen"]
["Zambia",28.06,"ZMW",null,null,"Zambia"]
["Zimbabwe",51.52,"ZWL",null,null,"Zimbabwe"]

{"sheet":"Live Currency Rates","index":13,"n_rows":186,"n_cols":8,"rows_kept":186,"cut":false,"hidden":true,"merged":[]}
["Currency","Name","Units per AUD","AUD per unit",null,null,"ex rate 1",{"$f":"VLOOKUP('Non-Res Serviceability'!D16,'Live Currency Rates'!A:F,3,FALSE)","v":4.7565598361641603}]
["USD","US Dollar",0.67377806904169579,1.4841682238519349,null,null,"ex rate 2",{"$f":"VLOOKUP('Non-Res Serviceability'!F16,'Live Currency Rates'!A:F,3,FALSE)","v":{"$error":"#N/A"}}]
["EUR","Euro",0.61417382584782176,1.6282035441995164]
["GBP","British Pound",0.51462053080044168,1.9431793722737767]
["INR","Indian Rupee",56.57598831745576,1.7675343016349276E-2]
["AUD","Australian Dollar",1,1]
["CAD","Canadian Dollar",0.92058294772059857,1.0862682200186755]
["SGD","Singapore Dollar",0.87857544363467321,1.1382061805221786]
["CHF","Swiss Franc",0.57792730557321692,1.7303214268586089]
["MYR","Malaysian Ringgit",2.8883391310563988,0.34621973204173362]
["JPY","Japanese Yen",99.870235454174917,1.0012993315299094E-2]
["CNY","Chinese Yuan Renminbi",4.7565598361641603,0.21023597609284603]
["NZD","New Zealand Dollar",1.1008243352710032,0.90841015042951245]
["THB","Thai Baht",22.613172870275502,4.4222011910344396E-2]
["HUF","Hungarian Forint",245.29580216110347,4.0767106130223454E-3]
["AED","Emirati Dirham",2.4744499585556277,0.40413021752265077]
["HKD","Hong Kong Dollar",5.2382998654441035,0.19090163329456891]
["MXN","Mexican Peso",13.060276690768701,7.6568056227079989E-2]
["ZAR","South African Rand",11.834838419704674,8.4496295136148883E-2]
["PHP","Philippine Peso",38.312065642292623,2.6101437843019923E-2]
["SEK","Swedish Krona",6.9801680938182287,0.14326302555458792]
["IDR","Indonesian Rupiah",10549.62788139007,9.4790073284389169E-5]
["BRL","Brazilian Real",3.7261710064004787,0.26837200930453559]
["SAR","Saudi Arabian Riyal",2.5266677589063593,0.39577819302718265]
["TRY","Turkish Lira",23.087550544957118,4.3313386496014593E-2]
["KES","Kenyan Shilling",86.916770303895703,1.1505259531660011E-2]
["KRW","South Korean Won",907.55391580450078,1.101862911487248E-3]
["EGP","Egyptian Pound",32.743886168087556,3.0540052419758521E-2]
["IQD","Iraqi Dinar",883.02087780267379,1.1324760547999945E-3]
["NOK","Norwegian Krone",7.2275797070249395,0.1383589030540939]
["KWD","Kuwaiti Dinar",0.20657037292124761,4.8409652645650088]
["RUB","Russian Ruble",65.273564014100998,1.5320137870577602E-2]
["DKK","Danish Krone",4.5812944232610766,0.21827892023760739]
["PKR","Pakistani Rupee",187.14415003559432,5.343474534522199E-3]
["ILS","Israeli Shekel",2.5326246271529307,0.39484730160116843]
["PLN","Polish Zloty",2.6459121162979535,0.37794150222916584]
["QAR","Qatari Riyal",2.4525521713117726,0.40773852303624586]
["XAU","Gold Ounce",2.5782001545982479E-4,3878.674812025316]
["OMR","Omani Rial",0.25941886012177295,3.8547698480002315]
["COP","Colombian Peso",2851.342845627184,3.5071194666526991E-4]
["CLP","Chilean Peso",629.28788473590873,1.5890978108050926E-3]
["TWD","Taiwan New Dollar",21.723087738352692,4.6033971415328459E-2]
["ARS","Argentine Peso",656.76967021704604,1.5226038067036878E-3]
["CZK","Czech Koruna",15.549798654319593,6.4309514369320087E-2]
["VND","Vietnamese Dong",16745.667019332661,5.9716940438712448E-5]
["MAD","Moroccan Dirham",6.6098157860144795,0.15129014671117935]
["JOD","Jordanian Dinar",0.47770865095056231,2.0933261267305148]
["BHD","Bahraini Dinar",0.25334055395967764,3.9472559144998267]
["XOF","CFA Franc",402.8716202816596,2.4821803017568479E-3]
["LKR","Sri Lankan Rupee",198.06028439756469,5.0489678081684902E-3]
["UAH","Ukrainian Hryvnia",27.805381665488618,3.5964260876921408E-2]
["NGN","Nigerian Naira",1092.0208609198642,9.1573342212313577E-4]
["TND","Tunisian Dinar",2.0696558971479657,0.48317210671494881]
["UGX","Ugandan Shilling",2477.4294474641915,4.0364418894897868E-4]
["RON","Romanian Leu",3.0569869073753679,0.32711949062895018]
["BDT","Bangladeshi Taka",80.645751409523427,1.2399909263935636E-2]
["PEN","Peruvian Sol",2.5122870720212642,0.39804368343759727]
["GEL","Georgian Lari",1.8393602850886057,0.54366727829606698]
["XAF","Central African CFA Franc BEAC",402.8716202816596,2.4821803017568479E-3]
["FJD","Fijian Dollar",1.4960824542018505,0.66841235734797311]
["VEF","Venezuelan Bolívar",2492466.3233964331,4.0120903163791609E-7]
["VES","Venezuelan Bolívar",24.924663233964331,4.0120903163791612E-2]
["BYN","Belarusian Ruble",2.2034646237085465,0.45383074874011259]
["UZS","Uzbekistani Som",8620.3866901037109,1.1600407684124076E-4]
["BGN","Bulgarian Lev",1.2012195938079451,0.83248725308412108]
["DZD","Algerian Dinar",89.626704476500507,1.1157388926000208E-2]
["IRR","Iranian Rial",28445.775302101531,3.5154605187580228E-5]
["DOP","Dominican Peso",40.65507965823808,2.4597172319089689E-2]
["ISK","Icelandic Krona",91.331634864493495,1.0949108723211573E-2]
["CRC","Costa Rican Colon",350.06340224482875,2.856625381537645E-3]
["XAG","Silver Ounce",2.2181377974928307E-2,45.082861900207632]
["SYP","Syrian Pound",8762.1171981375082,1.1412766770713383E-4]
["JMD","Jamaican Dollar",106.69365041340936,9.3726289814367349E-3]
["LYD","Libyan Dinar",3.2180456059489053,0.31074761592918132]
["GHS","Ghanaian Cedi",10.706508293047218,9.3401132528837416E-2]
["MUR","Mauritian Rupee",31.241804398714894,3.2008394497250424E-2]
["AOA","Angolan Kwanza",616.90190878021747,1.6210032515173627E-3]
["UYU","Uruguayan Peso",27.744454547243794,3.6043238777579159E-2]
["AFN","Afghan Afghani",45.722794336373767,2.1870929249056675E-2]
["LBP","Lebanese Pound",60497.067717275691,1.6529726774086897E-5]
["XPF","CFP Franc",73.290432678469429,1.3644345700441887E-2]
["TTD","Trinidadian Dollar",4.5757685479762218,0.21854252231404531]
["TZS","Tanzanian Shilling",1831.7992711045476,5.4591134289349013E-4]
["ALL","Albanian Lek",60.603688696722806,1.6500645777590695E-2]
["XCD","East Caribbean Dollar",1.8204548288572904,0.54931327278672748]
["GTQ","Guatemalan Quetzal",5.220044672649256,0.19156924178054668]
["NPR","Nepalese Rupee",90.5640132991673,1.1041913488270673E-2]
["BOB","Bolivian Bolíviano",4.6677569691620029,0.21423566106945985]
["ZWD","Zimbabwean Dollar",243.84028318618968,4.1010451059738462E-3]
["BBD","Barbadian or Bajan Dollar",1.3475561380833916,0.74208411192596746]
["CUC","Cuban Convertible Peso",0.67377806904169579,1.4841682238519349]
["LAK","Lao Kip",14879.842963798743,6.7205010323892922E-5]
["BND","Bruneian Dollar",0.87857544363467321,1.1382061805221786]
["BWP","Botswana Pula",8.9240282579658032,0.11205701854511452]
["HNL","Honduran Lempira",16.780222915662367,5.9593963979263795E-2]
["PYG","Paraguayan Guarani",5268.0252959341306,1.8982444916728123E-4]
["ETB","Ethiopian Birr",80.738631392139737,1.2385644675385894E-2]
["NAD","Namibian Dollar",11.834838419704674,8.4496295136148883E-2]
["PGK","Papua New Guinean Kina",2.6689160117065476,0.37468395244126995]
["SDG","Sudanese Pound",405.13750114496389,2.4682977931538997E-3]
["MOP","Macau Pataca",5.3954488614074272,0.18534139154812515]
["BMD","Bermudian Dollar",0.67377806904169579,1.4841682238519349]
["NIO","Nicaraguan Cordoba",24.805466104569575,4.0313695206710243E-2]
["BAM","Bosnian Convertible Mark",1.2012195938079451,0.83248725308412108]
["KZT","Kazakhstani Tenge",327.28581757246269,3.0554333439107698E-3]
["PAB","Panamanian Balboa",0.67377806904169579,1.4841682238519349]
["GYD","Guyanese Dollar",140.99209572284039,7.0925961833050635E-3]
["YER","Yemeni Rial",168.62049109625653,5.9304773310685762E-3]
["MGA","Malagasy Ariary",3091.5534701768474,3.2346197782010108E-4]
["KYD","Caymanian Dollar",0.55387864461932168,1.8054496408455964]
["MZN","Mozambican Metical",43.054563632169391,2.3226341545192732E-2]
["RSD","Serbian Dinar",71.886248584413778,1.3910866399235331E-2]
["SCR","Seychellois Rupee",9.2691096188663984,0.10788522750498002]
["AMD","Armenian Dram",259.8304295280866,3.848663922144285E-3]
["AZN","Azerbaijan Manat",1.1453953723808743,0.87306097450119036]
["SBD","Solomon Islander Dollar",5.6566775425897236,0.17678221755984749]
["SLL","Sierra Leonean Leone",15237.442108451702,6.5627812915222388E-5]
["TOP","Tongan Pa'anga",1.5816248488933209,0.63226118424967226]
["BZD","Belizean Dollar",1.3621318247359353,0.73414333461730941]
["GMD","Gambian Dalasi",46.636059852886099,2.1442634801364217E-2]
["MWK","Malawian Kwacha",1169.160429579875,8.5531461269121051E-4]
["BIF","Burundian Franc",1952.8351250065084,5.1207600026994963E-4]
["HTG","Haitian Gourde",89.121162337682961,1.1220679508318886E-2]
["SOS","Somali Shilling",384.8918582346671,2.598132380836967E-3]
["GNF","Guinean Franc",5813.3426150144769,1.7201807397644833E-4]
["MNT","Mongolian Tughrik",2280.1389958525983,4.3856975465922246E-4]
["MVR","Maldivian Rufiyaa",10.390851048610319,9.6238507829802922E-2]
["CDF","Congolese Franc",1919.4573564632094,5.2098057642843351E-4]
["STN","Sao Tomean Dobra",15.067612027511448,6.6367517173533105E-2]
["TJS","Tajikistani Somoni",7.1708321813684917,0.13945382832946993]
["KPW","North Korean Won",606.41407535351277,1.6490382407714464E-3]
["KGS","Kyrgyzstani Som",57.312290568247484,1.7448264413881694E-2]
["LRD","Liberian Dollar",130.12352856984361,7.6850052484032615E-3]
["LSL","Basotho Loti",11.834838419704674,8.4496295136148883E-2]
["MMK","Burmese Kyat",1413.9847399579705,7.0722121090905418E-4]
["GIP","Gibraltar Pound",0.51462053080044168,1.9431793722737767]
["XPT","Platinum Ounce",7.0540300697369762E-4,1417.629341119731]
["MDL","Moldovan Leu",11.850898891037728,8.4381784807585569E-2]
["CUP","Cuban Peso",16.202941489113684,6.1717188861780001E-2]
["KHR","Cambodian Riel",2740.5351848616197,3.6489223182533011E-4]
["MKD","Macedonian Denar",37.785544695086372,2.6465147136810755E-2]
["VUV","Ni-Vanuatu Vatu",80.001572956489582,1.2499754230380815E-2]
["ANG","Dutch Guilder",1.2126206355035092,0.82466021995805472]
["MRU","Mauritanian Ouguiya",26.674461380841279,3.7489041886268115E-2]
["SZL","Swazi Lilangeni",11.834838419704674,8.4496295136148883E-2]
["CVE","Cape Verdean Escudo",67.724947776239304,1.4765607546925878E-2]
["SRD","Surinamese Dollar",21.420283481598581,4.6684722957054475E-2]
["SVC","Salvadoran Colon",5.8955581041148379,0.16961922558307826]
["XPD","Palladium Ounce",6.6836891139700639E-4,1496.179703974901]
["BSD","Bahamian Dollar",0.67377806904169579,1.4841682238519349]
["XDR","IMF Special Drawing Rights",0.5025985109861596,1.9896596948484351]
["RWF","Rwandan Franc",911.85173812715732,1.0966695112671382E-3]
["AWG","Aruban or Dutch Guilder",1.2060627435846354,0.82914425913515921]
["BTN","Bhutanese Ngultrum",56.57598831745576,1.7675343016349276E-2]
["DJF","Djiboutian Franc",119.83352909606262,8.3449098724144733E-3]
["KMF","Comorian Franc",302.15371521124473,3.3095737356757964E-3]
["ERN","Eritrean Nakfa",10.106671035625437,9.8944548256795661E-2]
["FKP","Falkland Island Pound",0.51462053080044168,1.9431793722737767]
["SHP","Saint Helenian Pound",0.51462053080044168,1.9431793722737767]
["SPL","Seborgan Luigino",0.11229634439109724,8.9050093787316467]
["WST","Samoan Tala",1.8355074313791904,0.54480847252609887]
["JEP","Jersey Pound",0.51462053080044168,1.9431793722737767]
["TMT","Turkmenistani Manat",2.3643452285602833,0.42295007849125665]
["GGP","Guernsey Pound",0.51462053080044168,1.9431793722737767]
["IMP","Isle of Man Pound",0.51462053080044168,1.9431793722737767]
["TVD","Tuvaluan Dollar",1,1]
["ZMW","Zambian Kwacha",17.849127192868714,5.6025148411712328E-2]
["ADA","Cardano",1.9571579450429903,0.51094496616011964]
["BCH","Bitcoin Cash",2.0417463274897403E-3,489.77680847819477]
["BTC","Bitcoin",1.0814254718117213E-5,92470.542452148045]
["CLF","CLF",1.6599218788451341E-2,60.243798985030246]
["CNH","Chinese Yuan Renminbi Offshore",4.7620146927519507,0.20999515216155365]
["DOGE","Dogecoin",6.216154135927991,0.16087117181027125]
["DOT","Polkadot",0.16384678323753563,6.1032629401717182]
["ETH","Ethereum",2.784782717537055E-4,3590.9444342014226]
["LINK","Chainlink",6.1551718736089257E-2,16.246500025249105]
["LTC","Litecoin",1.0280214553327225E-2,97.274234386124434]
["LUNA","Terra",1.8469623799745098,0.54142954444681279]
["MXV","MXV",1.5759970123128004,0.63451896938083929]
["SLE","Sierra Leonean Leone",15.237442108451701,6.5627812915222392E-2]
["UNI","Uniswap",9.5349657420028794E-2,10.487714660524242]
["VED","VED",24.924663233964331,4.0120903163791612E-2]
["XBT","XBT",1.0814254718117213E-5,92470.542452148045]
["XLM","Stellar Lumen",7.4471608210989482,0.13427936149395978]
["XRP","Ripple",1.2840908829760451,0.77876107778475301]
["ZWG","ZWG",9.4960852808050173,0.10530655216643403]