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{"sheet":"Serviceability Calculator","index":0,"n_rows":194,"n_cols":27,"rows_kept":194,"merged":[[1,2,1,26],[4,4,4,22],[5,4,5,6],[5,8,5,10],[5,12,5,14],[5,16,5,20],[6,4,6,6],[6,8,6,10],[6,12,6,14],[6,16,6,20],[7,4,7,6],[7,8,7,10],[7,12,7,14],[7,16,7,22],[8,8,8,10],[8,12,8,14],[8,16,8,20],[9,4,9,6],[9,8,9,10],[9,12,9,14],[9,16,9,22],[10,8,10,10],[10,12,10,14],[10,16,10,20],[11,4,11,6],[11,8,11,10],[11,12,11,14],[11,16,11,22],[12,8,12,10],[12,12,12,14],[12,16,12,20],[13,4,13,6],[13,8,13,10],[13,12,13,14],[13,16,13,22],[16,2,16,4],[18,4,18,6],[18,8,18,10],[18,12,18,14],[20,4,20,6],[20,8,20,10],[20,12,20,14],[20,16,20,22],[22,4,22,6],[22,8,22,10],[22,12,22,14],[22,16,22,22],[24,4,24,6],[24,8,24,10],[24,12,24,14],[24,16,24,22],[25,2,25,14],[26,4,26,6],[26,8,26,10],[26,12,26,14],[26,16,26,22],[28,4,28,6],[28,8,28,10],[28,12,28,14],[28,16,28,22],[30,4,30,6],[30,8,30,10],[30,12,30,14],[30,16,30,22],[30,23,30,24],[32,4,32,6],[32,8,32,10],[32,12,32,14],[32,16,32,22],[34,4,34,6],[34,8,34,10],[34,12,34,14],[34,16,34,22],[36,4,36,6],[36,8,36,10],[36,12,36,14],[36,16,36,22],[38,4,38,6],[38,8,38,10],[38,12,38,14],[38,16,38,22],[40,4,40,6],[40,8,40,10],[40,12,40,14],[40,16,40,22],[42,4,42,6],[42,8,42,10],[42,12,42,14],[42,16,42,22],[44,4,44,6],[44,8,44,10],[44,12,44,14],[44,16,44,22],[46,4,46,6],[46,8,46,10],[46,12,46,14],[46,16,46,22],[48,4,48,6],[48,8,48,10],[48,12,48,14],[48,16,48,22],[50,4,50,5],[50,8,50,9],[50,12,50,13],[50,16,50,18],[52,4,52,6],[52,8,52,10],[52,12,52,14],[52,16,52,22],[54,4,54,6],[54,8,54,10],[54,12,54,14],[54,16,54,22],[56,4,56,6],[56,8,56,10],[56,12,56,14],[56,16,56,22],[59,4,59,6],[59,8,59,10],[59,12,59,14],[59,16,59,20],[61,4,61,6],[61,8,61,10],[61,12,61,14],[61,16,61,22],[63,4,63,6],[63,8,63,10],[63,12,63,14],[63,16,63,22],[65,4,65,6],[65,8,65,10],[65,12,65,14],[65,16,65,22],[67,2,67,4],[67,8,67,18],[67,20,67,22],[69,4,69,6],[69,9,69,11],[69,13,69,14],[69,16,69,22],[69,24,69,26],[71,4,71,8],[71,24,71,26],[73,4,73,8],[73,24,73,26],[75,4,75,8],[75,24,75,26],[77,4,77,8],[77,24,77,26],[79,4,79,8],[79,24,79,26],[81,4,81,8],[81,24,81,26],[83,4,83,8],[83,24,83,26],[85,4,85,8],[85,24,85,26],[87,4,87,8],[87,24,87,26],[89,4,89,8],[89,24,89,26],[91,4,91,6],[91,8,91,10],[91,12,91,14],[91,15,91,23],[91,24,91,26],[93,2,93,4],[93,8,93,18],[93,20,93,22],[97,4,97,6],[97,8,97,10],[97,12,97,13],[97,16,97,18],[97,20,97,22],[97,24,97,26],[99,4,99,6],[99,8,99,10],[99,16,99,18],[99,20,99,22],[99,24,99,26],[101,4,101,6],[101,8,101,10],[101,16,101,18],[101,20,101,22],[101,24,101,26],[103,4,103,6],[103,8,103,10],[103,16,103,18],[103,20,103,22],[103,24,103,26],[105,4,105,6],[105,8,105,10],[105,16,105,18],[105,20,105,22],[105,24,105,26],[107,4,107,6],[107,8,107,10],[107,16,107,18],[107,20,107,22],[107,24,107,26],[109,4,109,6],[109,8,109,10],[109,16,109,18],[109,20,109,22],[109,24,109,26],[111,4,111,6],[111,24,111,26],[113,2,113,4],[113,8,113,18],[113,20,113,22],[117,4,117,6],[117,8,117,10],[117,11,117,13],[117,15,117,16],[117,18,117,19],[117,20,117,22],[117,24,117,26],[119,4,119,6],[119,8,119,10],[119,20,119,22],[119,24,119,26],[121,4,121,6],[121,8,121,10],[121,20,121,22],[121,24,121,26],[123,4,123,6],[123,8,123,10],[123,20,123,22],[123,24,123,26],[125,4,125,6],[125,8,125,10],[125,20,125,22],[125,24,125,26],[127,4,127,6],[127,8,127,10],[127,20,127,22],[127,24,127,26],[129,4,129,6],[129,8,129,10],[129,20,129,22],[129,24,129,26],[131,4,131,6],[131,8,131,10],[131,20,131,22],[131,24,131,26],[133,4,133,6],[133,8,133,10],[133,20,133,22],[133,24,133,26],[135,4,135,6],[135,8,135,10],[135,20,135,22],[135,24,135,26],[137,4,137,6],[137,8,137,10],[137,20,137,22],[137,24,137,26],[139,4,139,6],[139,8,139,10],[139,24,139,26],[141,4,141,6],[141,8,141,10],[141,24,141,26],[143,4,143,6],[143,8,143,10],[143,24,143,26],[145,4,145,6],[145,8,145,10],[145,24,145,26],[147,4,147,6],[147,8,147,14],[147,24,147,26],[149,4,149,6],[149,8,149,14],[149,24,149,26],[151,4,151,6],[151,8,151,14],[151,24,151,26],[153,24,153,26],[155,2,155,4],[155,24,155,26],[159,4,159,6],[159,8,162,12],[159,24,159,26],[162,4,162,6],[162,24,162,26],[163,2,163,8],[163,12,163,26],[165,4,165,6],[165,24,165,26],[167,4,167,6],[167,24,167,26],[169,2,169,22],[169,24,169,26],[171,2,171,4],[171,24,171,26],[173,4,173,6],[173,14,173,20],[173,24,173,26],[175,4,175,6],[175,14,175,20],[175,24,175,26],[177,4,177,6],[177,14,177,20],[177,24,177,26],[180,4,180,6],[180,8,180,26],[182,2,182,4],[182,24,182,26],[184,4,184,6],[184,8,184,26],[186,4,186,6],[186,8,186,26],[188,4,188,6],[188,8,188,26],[191,2,192,26],[193,2,194,26]]}
[]
[null,null,"\nResidential Loan Serviceability Calculator"]
[null,null,"Details of Applicants",{"$nulls":23},"Citi_v3.8"]
[]
[null,null,"Applicant/s Surname Only"]
[]
[{"$nulls":4},"Applicant 1",{"$nulls":3},"Applicant 2",{"$nulls":3},"Applicant 3",{"$nulls":3},"Applicant 4"]
[null,null,"Status (Couple or Single)"]
[]
[null,null,"Couple with Applicant?"]
[]
[null,null,"Household"]
[]
[null,null,"Number of Dependants"]
[null,null,"Only include common dependants"]
[]
[null,null,"Gross Annual Income"]
[]
[{"$nulls":4},"Applicant 1",{"$nulls":3},"Applicant 2",{"$nulls":3},"Applicant 3",{"$nulls":3},"Applicant 4"]
[]
[null,null,"Applicant Type"]
[]
[null,null,"Base Income (PAYG)"]
[]
[null,null,"Non-Base or Casual Income"]
[null,null,"For Non-Base non-regular income (where no payments have been received after 30th June 2020) you should multiply the non base income by 0.625 and then enter this figure in the above field."]
[null,null,"Foreign Income Gross"]
[]
[null,null,"Foreign Income Net"]
[]
[null,null,"Sole Trader/Partnership/Director"]
[]
[null,null,"Self Employed Income"]
[null,null,"Profit before tax"]
[null,null,"Depreciation Addback"]
[]
[null,null,"Superannuation Addback"]
[]
[null,null,"Interest Addback"]
[]
[null,null,"Company Income"]
[null,null,"Profit before tax"]
[null,null,"Depreciation Addback"]
[]
[null,null,"Superannuation Addback"]
[]
[null,null,"Interest Addback"]
[]
[null,null,"Other Addbacks"]
[]
[null,null,"Applicant Share % on Company"]
[]
[null,null,"Other Non-Taxable Income"]
[]
[null,null,"Total Gross Income",null,{"$f":"E23+E25+E27+E33+E35+E37+IF(AND(E21=\"Person Applicant\",OR(E31=\"Director\",E31=\"Combination\")),E41*E51,E41)+IF(AND(E21=\"Person Applicant\",OR(E31=\"Director\",E31=\"Combination\")),E43*E51,E43)+IF(AND(E21=\"Person Applicant\",OR(E31=\"Director\",E31=\"Combination\")),E45*E51,E45)+IF(AND(E21=\"Person Applicant\",OR(E31=\"Director\",E31=\"Combination\")),E49*E51,E49)+E39+IF(AND(E21=\"Person Applicant\",OR(E31=\"Director\",E31=\"Combination\")),E47*E51,E47)","v":0},{"$nulls":3},{"$f":"I23+I25+I27+I33+I35+I37+IF(AND(I21=\"Person Applicant\",OR(I31=\"Director\",I31=\"Combination\")),I41*I51,I41)+IF(AND(I21=\"Person Applicant\",OR(I31=\"Director\",I31=\"Combination\")),I43*I51,I43)+IF(AND(I21=\"Person Applicant\",OR(I31=\"Director\",I31=\"Combination\")),I45*I51,I45)+IF(AND(I21=\"Person Applicant\",OR(I31=\"Director\",I31=\"Combination\")),I49*I51,I49)+I39+IF(AND(I21=\"Person Applicant\",OR(I31=\"Director\",I31=\"Combination\")),I47*I51,I47)","v":0},{"$nulls":3},{"$f":"M23+M25+M27+M33+M35+M37+IF(AND(M21=\"Person Applicant\",OR(M31=\"Director\",M31=\"Combination\")),M41*M51,M41)+IF(AND(M21=\"Person Applicant\",OR(M31=\"Director\",M31=\"Combination\")),M43*M51,M43)+IF(AND(M21=\"Person Applicant\",OR(M31=\"Director\",M31=\"Combination\")),M45*M51,M45)+IF(AND(M21=\"Person Applicant\",OR(M31=\"Director\",M31=\"Combination\")),M49*M51,M49)+M39+IF(AND(M21=\"Person Applicant\",OR(M31=\"Director\",M31=\"Combination\")),M47*M51,M47)","v":0},{"$nulls":3},{"$f":"Q23+Q25+Q27+Q33+Q35+Q37+IF(AND(Q21=\"Person Applicant\",OR(Q31=\"Director\",Q31=\"Combination\")),Q41*Q51,Q41)+IF(AND(Q21=\"Person Applicant\",OR(Q31=\"Director\",Q31=\"Combination\")),Q43*Q51,Q43)+IF(AND(Q21=\"Person Applicant\",OR(Q31=\"Director\",Q31=\"Combination\")),Q45*Q51,Q45)+IF(AND(Q21=\"Person Applicant\",OR(Q31=\"Director\",Q31=\"Combination\")),Q49*Q51,Q49)+Q39+IF(AND(Q21=\"Person Applicant\",OR(Q31=\"Director\",Q31=\"Combination\")),Q47*Q51,Q47)","v":0}]
[]
[null,null,"Rental Income",null,{"$f":"Calculations!S48","v":0},{"$nulls":3},{"$f":"Calculations!S49","v":0},{"$nulls":3},{"$f":"Calculations!S50","v":0},{"$nulls":3},{"$f":"Calculations!S51","v":0}]
[]
[null,null,"(apportioned rental income to each applicant as per % of property ownership)"]
[null,null,"Interest Tax Deduction"]
[null,null,"(Calculated based on the Tax Deductible value of each new/existing commitment; minimum of 3.00% or the new/existing commitment rate is used)"]
[null,null,"New and Existing Loans",null,{"$f":"Calculations!F105","v":0},{"$nulls":3},{"$f":"Calculations!N105","v":0},{"$nulls":3},{"$f":"Calculations!V105","v":0},{"$nulls":3},{"$f":"Calculations!AD105","v":0}]
[]
[null,null,"Existing Loan"]
[]
[null,null,"Total Net Income",null,{"$f":"Calculations!AV48+Calculations!J61","v":0},{"$nulls":3},{"$f":"Calculations!AV49+Calculations!J62","v":0},{"$nulls":3},{"$f":"Calculations!AV50+Calculations!J63","v":0},{"$nulls":3},{"$f":"Calculations!AV51+Calculations!J64","v":0}]
[]
[null,null,"Property Details",{"$nulls":5},"Number of properties",{"$nulls":11},1]
[]
[{"$nulls":4},"Property Address",{"$nulls":4},"Investment",null,null,"Rent","Frequency",null,null,"Ownership Proportions\nApp1  App2  App3  App4",{"$nulls":7},"Allowable Annual Rent"]
[]
[null,null,"Property 1",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I80","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 2",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I81","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 3",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I82","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 4",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I83","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 5",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I84","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 6",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I85","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 7",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I86","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 8",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I87","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 9",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I88","v":0}]
[{"$nulls":4},"","","","","","","","","","","","","","","","","","",""]
[null,null,"Property 10",null,"",{"$nulls":4},"","","","","","","","","","","","","","",null,{"$f":"Calculations!I89","v":0}]
[]
[{"$nulls":8},"Total Rent (annual)",{"$nulls":3},{"$f":"Calculations!F90","v":0},{"$nulls":11},{"$f":"Calculations!I90","v":0}]
[]
[null,null,"Newly Requested Citi Loan Structure",{"$nulls":5},"Number of accounts",{"$nulls":11},1]
[]
[null,null,"Floor Rate",null,{"$f":"Calculations!B127","v":{"v":0.0575,"d":"5.75%"}},null,"Maximum of 5.10% or Interest Rate plus 3.00% is used for calculating Loan Repayments"]
[]
[{"$nulls":4},"Loan Amount",{"$nulls":3},"Tax Deductible\n(only for investment)",{"$nulls":3},"Loan Term (months)",null,"IO \nLoan",null,"Interest Rate %",{"$nulls":3},"Security",{"$nulls":3},"Annual Repayments"]
[]
[null,null,"Account 1",{"$nulls":21},{"$f":"Calculations!I133","v":0}]
[]
[null,null,"Account 2",{"$nulls":21},{"$f":"Calculations!I134","v":0}]
[]
[null,null,"Account 3",{"$nulls":21},{"$f":"Calculations!I135","v":0}]
[]
[null,null,"Account 4",{"$nulls":21},{"$f":"Calculations!I136","v":0}]
[]
[null,null,"Account 5",{"$nulls":21},{"$f":"Calculations!I137","v":0}]
[]
[null,null,"Account 6",{"$nulls":21},{"$f":"Calculations!I138","v":0}]
[]
[null,null,"Total Loan Amount",null,{"$f":"E100+E102+E104+E106+E108+E110","v":0},{"$nulls":19},{"$f":"Calculations!I139","v":0}]
[]
[null,null,"All Other Liabilities",{"$nulls":5},"Number of accounts",{"$nulls":11},1]
[]
[null,null,"Floor Rate",null,{"$f":"Calculations!B144","v":{"v":0.0575,"d":"5.75%"}},null,"Maximum of 5.10% or Interest Rate plus 3.00% is used for calculating Loan repayments"]
[]
[{"$nulls":4},"Loan Limit",{"$nulls":3},"Tax Deductible\n(only for investment)",null,null,"Loan Term (months)",null,null,"Interest\n Rate %","Citi Loan",null,null,"IO Loan",null,"Security",{"$nulls":3},"Annual Repayments"]
[]
[null,null,"Existing Loan 1",{"$nulls":21},{"$f":"Calculations!J150","v":0}]
[]
[null,null,"Existing Loan 2",{"$nulls":21},{"$f":"Calculations!J151","v":0}]
[]
[null,null,"Existing Loan 3",{"$nulls":21},{"$f":"Calculations!J152","v":0}]
[]
[null,null,"Existing Loan 4",{"$nulls":21},{"$f":"Calculations!J153","v":0}]
[]
[null,null,"Existing Loan 5",{"$nulls":21},{"$f":"Calculations!J154","v":0}]
[]
[null,null,"Existing Loan 6",{"$nulls":21},{"$f":"Calculations!J155","v":0}]
[]
[null,null,"Existing Loan 7",{"$nulls":21},{"$f":"Calculations!J156","v":0}]
[]
[null,null,"Existing Loan 8",{"$nulls":21},{"$f":"Calculations!J157","v":0}]
[]
[null,null,"Existing Loan 9",{"$nulls":21},{"$f":"Calculations!J158","v":0}]
[]
[null,null,"Existing Loan 10",{"$nulls":21},{"$f":"Calculations!J159","v":0}]
[]
[null,null,"Personal Loan",{"$nulls":9},"Monthly Repayment",{"$nulls":11},{"$f":"I140*12","v":0}]
[]
[null,null,"Hire Purchase",{"$nulls":9},"Monthly Repayment",{"$nulls":11},{"$f":"I142*12","v":0}]
[]
[null,null,"Lease/Car Loan",{"$nulls":9},"Monthly Repayment",{"$nulls":11},{"$f":"I144*12","v":0}]
[]
[null,null,"Other Debts",{"$nulls":9},"Monthly Repayment",{"$nulls":11},{"$f":"I146*12","v":0}]
[]
[null,null,"Total Credit Card Limits",{"$nulls":5},"Serviceability based on 3.8% of Credit Card Limits",{"$nulls":15},{"$f":"Calculations!C163","v":0}]
[]
[null,null,"Rent/Board Commitments",{"$nulls":5},"Monthly values (minimum $808)",{"$nulls":15},{"$f":"E150*12","v":0}]
[]
[null,null,"Investment Property Expenses",{"$nulls":5},"Monthly values",{"$nulls":15},{"$f":"E152*12","v":0}]
[]
[null,null,"Total Annual Outgoings",{"$nulls":21},{"$f":"Y120+Y122+Y124+Y126+Y128+Y130++Y132+Y134+Y136+Y138+Y140+Y142+Y144+Y146+Y148+Y150+Y152","v":0}]
[]
[null,null,"Monthly Living Expenses"]
[]
[null,null,"Household 1",{"$nulls":11},"Household 2"]
[]
[null,null,"Declared Basic Living Expenses",{"$nulls":5},{"$f":"Calculations!B202","v":""},{"$nulls":5},"Declared Basic Living Expenses"]
[]
[]
[null,null,"Declared Other Living Expenses",{"$nulls":11},"Declared Other Living Expenses"]
[]
[]
[null,null,"Calculated HEM living expense",null,{"$f":"Calculations!AS200","v":0},{"$nulls":9},"Calculated HEM living expense",{"$nulls":9},{"$f":"Calculations!AS201","v":0}]
[]
[null,null,"Calculated Living Expense",null,{"$f":"Calculations!AN200","v":0},{"$nulls":9},"Calculated Living Expense",{"$nulls":9},{"$f":"Calculations!AN201","v":0}]
[]
[null,null,"Total Annual Living Expense",{"$nulls":21},{"$f":"(E168+Y168)*12","v":0}]
[]
[null,null,"Serviceability Results"]
[]
[null,null,"Total Gross Income",null,{"$f":"Calculations!B208","v":0},{"$nulls":9},"Existing Loan Commitments",{"$nulls":9},{"$f":"Calculations!B216+Calculations!B217+Calculations!B223","v":0}]
[]
[null,null,"Total Net Income",null,{"$f":"Calculations!B214","v":0},{"$nulls":9},"New Loan Commitments",{"$nulls":9},{"$f":"Calculations!B224","v":0}]
[]
[null,null,"Total Post Loan Debts",null,{"$f":"Calculations!H219","v":0},{"$nulls":9},"Household Living Expenses",{"$nulls":9},{"$f":"Calculations!B219","v":0}]
[]
[]
[null,null,"Total Loan Limits (existing/new)",null,{"$f":"Calculations!E207","v":0}]
[]
[]
[]
[null,null,"NSI Capacity Result",null,{"$f":"Calculations!B230","v":0},{"$nulls":3},{"$f":"Calculations!J236","v":""}]
[]
[null,null,"Debt To Income (DTI)",null,{"$f":"Calculations!H221","v":{"v":0,"d":"0.00"}},{"$nulls":3},{"$f":"Calculations!J239","v":""}]
[]
[null,null,"Debt Burden Ratio (DBR)",null,{"$f":"Calculations!B232","v":{"v":0,"d":"0.00%"}}]
[]
[]
[null,null,"This calculator is to be used a guide only, and is not a prediction or professional financial advice. Calculations are estimates only, that may assist you in making your own projections. Subject to law, Citi is not liable for any loss or damage caused by your use of the calculator. The information in the calculator does not constitute an offer to lend or imply the product is suitable and/or meets best interest duty for your client. It does not replace the formal serviceability assessment for applications, you submit to Citi, nor is it a guarantee a particular loan amount will be approved. Citi’s credit criteria and policies will apply to any applications submitted.                                                                                                                                                                                                   "]
[]
[null,null,"National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”) and has appointed Citi to provide transitional services. \n\n“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities."]

{"sheet":"Helpful Hints","index":1,"n_rows":50,"n_cols":2,"rows_kept":50,"merged":[[0,0,0,1]]}
["Helpful hints for the Citibank Loan Serviceability Calculator"]
["Details of Applicants"]
["Applicant/s Full Name","Indicate the Surname only of all applicants.\nIf application is in a company name, include the surnames of the Directors."]
["Status (Couple or Single)","The status of each applicant: Single or Couple with other applicant in the same application.\nFor Company Applicants, the field is not mandatory."]
["Couple with Applicant?","If Status is \"Couple\", indicate the applicant which forms a couple with the current applicant.\nStatus of all applicants must be defined first.\nFor Company Applicants, the field is not mandatory."]
["Household","The household that the applicant belongs to. Maximum number or Households is 2.\nFor \"Couple\" scenario, select the same household across the applicants.\nFor Company Applicants, the it is mandatory to assign to a household which must be the same as the director’s."]
["Number of Dependants","The Number of Dependants in the Household. \nFor \"Couple\" scenario, include the common dependants for each applicant.\nFor Company Applicants, do not enter dependants."]
["Gross Annual Income"]
["Applicant type","Person Applicant or Company Applicant."]
["PAYG Income (Base Income, Non Base Income) ($)","Any gross PAYG income earned by the applicant.\nNon Base income can include: bonuses, commissions or overtime.  Refer to www.mortgagebroker.citibank.com.au for details on determining assessable non base income."]
["Foreign Gross Income ($)\n(currently unavailable)","Foreign Income converted into Australian Dollars."]
["Foreign Net Income ($)\n(currently unavailable)","The Total Net foreign Income converted into Australian Dollars."]
["Self Employed Income ($)","Profit or loss as provided in the business financial statements. Citi will take the lower of;\n1. most recent complete financial year or \n2. 120% of the prior financial year\nIf sales have reduced by more than 10% since the last complete financial year please contact your BDM or Brokerassist."]
["Self Employed Addbacks (Depreciation, Superannuation, Interest) ($)","Depreciation of business assets can be considered.  Please refer to your BDM or Brokerassist."]
["Company Income ($)","Profit or loss as provided in the business financial statements.  Refer to Self Employed Income."]
["Company Addbacks  (Depreciation, Superannuation, Interest, Other) ($)","Depreciation of business assets can be considered.  Please refer to your BDM or Brokerassist."]
["Applicant Share % on Company","For Director's use only, the share percentage held in the company.\nUsed to calculate the eligible income for NSI (e.g. Share % * Company Income/Company Addbacks)."]
["Other Non-Taxable Income ($)","E.g. tax free car allowance, not-for-profit tax free employment income."]
["Property Details"]
["Property Address","Address of each property."]
["Investment","Tick the checkbox if the property is used for investment purposes."]
["Rent Amount ($) and Frequency","Only applicable for Investment properties.\nRental income and frequency (e.g. weekly, fortnightly or annually) from the property.  For rental income from serviced apartments and commercial properties please enter 85% of the gross rental income."]
["Applicant Ownership Proportions","Indicate the ownership % of each applicant of the property. Total ownership % per property must be 100%.\nUsed to calculate the rent received by the applicant for every property (e.g. Rent for Applicant 1 is 20% *Total Rent Amount)."]
["Newly Requested Citi Loan Structure"]
["Loan Amount ($)","The limit of the new loan."]
["Tax Deductible Amount Outstanding ($)","Include only the tax deductible outstanding amount of the loan.\nOnly applicable to current residential Investment Loans or investment property purchases."]
["Term - Months","E.g. Enter 360 for a 30 year loan, 300 for a 25 year loan"]
["Interest Only Loan","Tick the checkbox if loan has an Interest Only period.\nInterest Only default term is 60 months."]
["Interest Rate","Interest rate applicable to the loan in percent"]
["Security Property","The property that is securing the loan. \nSelect from the list of properties defined under \"Property Details\" section."]
["All Other Liabilities"]
["Existing Loan - Loan Limit ($)","The current limit of the loan"]
["Existing Loan - Tax Deductible Amount Outstanding ($)","Include only the tax deductible outstanding amount of the loan.\nOnly applicable to current residential Investment Loans or investment property purchases."]
["Existing Loan - Remaining P&I Term","The remaining loan term in moths (e.g. enter 300 if the remaining loan term is 25 years)."]
["Existing Loan - Interest Rate","Interest rate applicable to the loan in percent."]
["Existing Loan - Citi Loan","Whether the loan is an existing Citibank loan."]
["Existing Loan - Security Property","The property that is securing the loan. \nSelect from the list of properties defined under \"Property Details\" section."]
["Personal Loan/Hide Purchase/Lease/Car Loan/Other Loan Repayments ($)","Monthly repayments on all other loans not being refinanced (Citibank or other)."]
["Total credit card limits ($)","Total credit card limits for all applicants."]
["Rent/Board Commitments ($)","Monthly rent or board expenses. \nA minimum value required per adult when living with family rent free."]
["Investment Property Expenses ($)","Any associated investment property monthly expenses."]
["Monthly Living Expenses"]
["Basic Living Expenses ($)","Include food, TV, groceries, car expenses, transport costs, childcare, all insurance premiums, gas and electricity, public education, telephone, rates, water, clothing and entertainment."]
["Basic Other Living Expenses ($)","Include, Private school fees, child maintenance, and any other monthly expenses not included elsewhere."]
["Calculated HEM Expenses ($)","Living expenses calculated by applying pre-determined amounts to the number of couples, singles and dependants."]
["Calculated Living Expenses ($)","This is the maximum of Basic living expense and living expenses calculated by applying pre-determined amounts to the number of couples, singles and dependants associated with the loan application plus the Ongoing living expense."]
["Serviceability Results"]
["NSI Capacity Result ($)","Result is calculated by taking the customers net surplus income minus the assessed repayments."]
["Debt To Income (DTI)","Result is calculated as the ratio between the customers total debt and the total gross income (Interest Addbacks are not included here)."]
["Debt Burden Ratio (DBR)","Result is calculated by dividing the customer’s existing and new loan repayments to the total gross income."]

{"sheet":"Checkboxes","index":2,"n_rows":36,"n_cols":3,"rows_kept":36,"hidden":true}
[]
["Property Details"]
[null,"Investment","N/A"]
["Property 1",false]
["Property 2",false]
["Property 3",false]
["Property 4",false]
["Property 5",false]
["Property 6",false]
["Property 7",false]
["Property 8",false]
["Property 9",false]
["Property 10",false]
[]
["Newly Requested Citi Loan Structure"]
[null,"IO Term"]
["Account 1",false]
["Account 2",false]
["Account 3",false]
["Account 4",false]
["Account 5",false]
["Account 6",false]
[]
[]
["All Other Liabilities - Loan"]
[null,"Citi Loan","IO Loan"]
["Existing Loan 1",false,false]
["Existing Loan 2",false,false]
["Existing Loan 3",false,false]
["Existing Loan 4",false,false]
["Existing Loan 5",false,false]
["Existing Loan 6",false,false]
["Existing Loan 7",false,false]
["Existing Loan 8",false,false]
["Existing Loan 9",false,false]
["Existing Loan 10",false,false]

{"sheet":"Calculations","index":3,"n_rows":239,"n_cols":54,"rows_kept":239,"hidden":true,"merged":[[92,1,92,8],[92,9,92,16],[92,17,92,24],[92,25,92,32]]}
[]
["Person Applicant Income"]
[]
["Tax rates"]
["Taxable Brackets","Min Interval","Max Interval","Difference","Rate"]
["$0 – $18,200",0,{"v":18200,"d":"$18,200.00"},{"$f":"C6-B6","v":{"v":18200,"d":"$18,200.00"}},{"v":0,"d":"0%"}]
["$18,201 – $37000",{"v":18200,"d":"$18,200.00"},{"v":45000,"d":"$45,000.00"},{"$f":"C7-B7","v":{"v":26800,"d":"$26,800.00"}},{"v":0.19,"d":"19%"}]
["$37,001 - $90,000",{"v":45000,"d":"$45,000.00"},{"v":120000,"d":"$120,000.00"},{"v":75000,"d":"$75,000.00"},{"v":0.325,"d":"32.5%"}]
["$90,001 – $180,000",{"v":120000,"d":"$120,000.00"},{"v":180000,"d":"$180,000.00"},{"v":60000,"d":"$60,000.00"},{"v":0.37,"d":"37%"}]
["Over $180,000",{"v":180000,"d":"$180,000.00"},{"v":100000000,"d":"$100,000,000.00"},{"v":99820000,"d":"$99,820,000.00"},{"v":0.45,"d":"45%"}]
[]
["Proxy for Medicare Levy - Singles","Min Interval","Max Interval","Rate"]
["$0-$90,000",0,{"v":90000,"d":"$90,000.00"},{"v":0.02,"d":"2.00%"}]
["$90,001-$105,000",{"v":90000,"d":"$90,000.00"},{"v":105000,"d":"$105,000.00"},{"v":0.03,"d":"3.00%"}]
["$105,001-$140,000",{"v":105000,"d":"$105,000.00"},{"v":140000,"d":"$140,000.00"},{"v":0.0325,"d":"3.25%"}]
[">=$140, 001",{"v":140000,"d":"$140,000.00"},{"v":100000000,"d":"$100,000,000.00"},{"v":0.035,"d":"3.50%"}]
[]
["Proxy for Medicare Levy - Family","Min Interval","Max Interval","Rate"]
["$0-$180,000",0,{"v":180000,"d":"$180,000.00"},{"v":0.02,"d":"2.00%"}]
["$180,001-$210,000",{"v":180000,"d":"$180,000.00"},{"v":210000,"d":"$210,000.00"},{"v":0.03,"d":"3.00%"}]
["$210,001-$280,000",{"v":210000,"d":"$210,000.00"},{"v":280000,"d":"$280,000.00"},{"v":0.0325,"d":"3.25%"}]
[">=$280,001",{"v":280000,"d":"$280,000.00"},{"v":100000000,"d":"$100,000,000.00"},{"v":0.035,"d":"3.5%"}]
[]
["Income Type","Serviceability %","Taxable"]
["Base Income (PAYG)",{"v":1,"d":"100%"},"Yes"]
["Non-Base or Casual Income",{"v":0.8,"d":"80%"},"Yes"]
["Foreign Income Gross",{"v":1,"d":"100%"},"No"]
["Foreign Income Net",{"v":1,"d":"100%"},"No"]
["Self Employed Income",{"v":1,"d":"100%"},"Yes"]
["Self Employed Depreciation Addback",{"v":1,"d":"100%"},"Yes"]
["Self Employed Superannuation Addback",{"v":1,"d":"100%"},"Yes"]
["Self Employed Interest Addback",{"v":1,"d":"100%"},"Yes"]
["Non-Taxable Income",{"v":1,"d":"100%"},"No"]
["Director Company Income",{"v":1,"d":"100%"},"Yes"]
["Director - Depreciation Addback",{"v":1,"d":"100%"},"Yes"]
["Director - Super Addback",{"v":1,"d":"100%"},"Yes"]
["Director - Interest Addback",{"v":1,"d":"100%"},"Yes"]
["Director - Other Addback",{"v":1,"d":"100%"},"Yes"]
[]
["Household Applicants/Dependants"]
[null,"Number of Applicants","Number of Couples","Number of Singles","Number of Dependants","Applicants are Family Unit"]
["Household 1",{"$f":"IF('Serviceability Calculator'!E12=\"Household 1\", 1,0)+IF('Serviceability Calculator'!I12=\"Household 1\", 1,0)+IF('Serviceability Calculator'!M12=\"Household 1\", 1,0)+IF('Serviceability Calculator'!Q12=\"Household 1\", 1,0)","v":0},{"$f":"ROUND((IF(AND('Serviceability Calculator'!E8=\"Couple\",'Serviceability Calculator'!E12=\"Household 1\"),1,0)+\nIF(AND('Serviceability Calculator'!I8=\"Couple\",'Serviceability Calculator'!I12=\"Household 1\"),1,0) +\nIF(AND('Serviceability Calculator'!M8=\"Couple\",'Serviceability Calculator'!M12=\"Household 1\"),1,0) +\nIF(AND('Serviceability Calculator'!Q8=\"Couple\",'Serviceability Calculator'!Q12=\"Household 1\"),1,0))/2,0)","v":0},{"$f":"(IF(AND('Serviceability Calculator'!E8=\"Single\",'Serviceability Calculator'!E12=\"Household 1\"),1,0)+\nIF(AND('Serviceability Calculator'!I8=\"Single\",'Serviceability Calculator'!I12=\"Household 1\"),1,0) +\nIF(AND('Serviceability Calculator'!M8=\"Single\",'Serviceability Calculator'!M12=\"Household 1\"),1,0) +\nIF(AND('Serviceability Calculator'!Q8=\"Single\",'Serviceability Calculator'!Q12=\"Household 1\"),1,0))","v":0},{"$f":"IF('Serviceability Calculator'!E12=\"Household 1\",'Serviceability Calculator'!E14,\nIF('Serviceability Calculator'!I12=\"Household 1\",'Serviceability Calculator'!I14,\nIF('Serviceability Calculator'!M12=\"Household 1\",'Serviceability Calculator'!M14,\nIF('Serviceability Calculator'!Q12=\"Household 1\",'Serviceability Calculator'!Q14,0))))","v":0},{"$f":"IF(OR(AND(OR(B42=1,B42=2),C42=1,D42=0),AND(B42=1,D42=1,E42>0)),\"Yes\",\"No\")","v":"No"}]
["Household 2",{"$f":"IF('Serviceability Calculator'!E12=\"Household 2\", 1,0)+IF('Serviceability Calculator'!I12=\"Household 2\", 1,0)+IF('Serviceability Calculator'!M12=\"Household 2\", 1,0)+IF('Serviceability Calculator'!Q12=\"Household 2\", 1,0)","v":0},{"$f":"ROUND((IF(AND('Serviceability Calculator'!E8=\"Couple\",'Serviceability Calculator'!E12=\"Household 2\"),1,0)+\nIF(AND('Serviceability Calculator'!I8=\"Couple\",'Serviceability Calculator'!I12=\"Household 2\"),1,0) +\nIF(AND('Serviceability Calculator'!M8=\"Couple\",'Serviceability Calculator'!M12=\"Household 2\"),1,0) +\nIF(AND('Serviceability Calculator'!Q8=\"Couple\",'Serviceability Calculator'!Q12=\"Household 2\"),1,0))/2,0)","v":0},{"$f":"(IF(AND('Serviceability Calculator'!E8=\"Single\",'Serviceability Calculator'!E12=\"Household 2\"),1,0)+\nIF(AND('Serviceability Calculator'!I8=\"Single\",'Serviceability Calculator'!I12=\"Household 2\"),1,0) +\nIF(AND('Serviceability Calculator'!M8=\"Single\",'Serviceability Calculator'!M12=\"Household 2\"),1,0) +\nIF(AND('Serviceability Calculator'!Q8=\"Single\",'Serviceability Calculator'!Q12=\"Household 2\"),1,0))","v":0},{"$f":"IF('Serviceability Calculator'!E12=\"Household 2\",'Serviceability Calculator'!E14,\nIF('Serviceability Calculator'!I12=\"Household 2\",'Serviceability Calculator'!I14,\nIF('Serviceability Calculator'!M12=\"Household 2\",'Serviceability Calculator'!M14,\nIF('Serviceability Calculator'!Q12=\"Household 2\",'Serviceability Calculator'!Q14,0))))","v":0},{"$f":"IF(OR(AND(OR(B43=1,B43=2),C43=1,D43=0),AND(B43=1,D43=1,E43>0)),\"Yes\",\"No\")","v":"No"}]
[]
[]
["Serviceability Values"]
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[null,"No of Households",{"$f":"IF(AND(OR(C48=\"Household 1\",C49=\"Household 1\",C50=\"Household 1\",C51=\"Household 1\"),OR(C48=\"Household 2\",C49=\"Household 2\",C50=\"Household 2\",C51=\"Household 2\")),2,1)","v":1},{"$f":"SUM(D48:D51)","v":0},{"$f":"SUM(E48:E51)","v":0},0,0,null,{"$f":"SUM(I48:I51)","v":0},{"$f":"SUM(J48:J51)","v":0},{"$f":"SUM(K48:K51)","v":0},{"$f":"SUM(L48:L51)","v":0},{"$f":"SUM(M48:M51)","v":0},0,0,0,0,null,{"$f":"SUM(S48:S51)","v":0},{"$f":"SUM(T48:T51)","v":0},{"$nulls":8},{"$f":"SUM(AC48:AC51)","v":0},0,0,0,0,{"$f":"SUM(AH48:AH51)","v":0},{"$nulls":6},{"$f":"SUM(AO48:AO51)","v":0},{"$f":"IF(AND(AO52>=B$6,AO52<C$6),(AO52-B$6)*E$6,\nIF(AND(AO52>=B$7,AO52<C$7),((AO52-B$7)*E$7)+(D$6*E$6),\nIF(AND(AO52>=B$8,AO52<C$8),((AO52-B$8)*E$8)+(D$7*E$7)+(D$6*E$6),\nIF(AND(AO52>=B$9,AO52<C$9),((AO52-B$9)*E$9)+(D$8*E$8)+(D$7*E$7)+(D$6*E$6),\nIF(AND(AO52>=B$10,AO52<C$10),((AO52-B$10)*E$10)+(D$9*E$9)+(D$8*E$8)+(D$7*E$7)+(D$6*E$6),0)))))","v":0},{"$f":"SUM(AQ48:AQ51)","v":0},{"$nulls":4},{"$f":"SUM(AV48:AV51)","v":0},{"$f":"SUM(AW48:AW51)","v":0},{"$f":"SUM(AX48:AX51)","v":0},{"$f":"SUM(AY48:AY51)","v":0}]
[]
["Company Income"]
[]
["COMPANY INCOME"]
["Company Tax Rate",{"v":0.3,"d":"30%"}]
[]
["Serviceability Values"]
[null,"Aplicant Type","Net Profit","Depreciation Addback","Superannuation Addback","Interest Addback","Other Addbacks","Company Income for HEM","Total Taxable Income","Net Income","Gross Income for LTI","Gross Income for DTI","Household"]
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[null,null,{"$f":"SUM(C61:C64)","v":0},{"$f":"SUM(D61:D64)","v":0},0,0,0,null,null,{"$f":"SUM(J61:J64)","v":0},{"$f":"SUM(K61:K64)","v":0},{"$f":"SUM(L61:L64)","v":0}]
[]
["Property Details"]
[]
["Fixed Values"]
["Rental Income Haircut - standard",{"v":0.9,"d":"90%"}]
["Benchmark Gross Rent % for Expense Calc",{"v":0.15,"d":"15%"}]
["RBA Cash Rate",{"v":0.041,"d":"4.10%"}]
["Tax Deductible Rate",{"$f":"B72+0.0225","v":{"v":0.0635,"d":"6.35%"}}]
["Base Rent",{"v":0.03,"d":"3%"}]
["Rental Income Haircut - standard (For INV Tax Adjustments)",{"v":0.75,"d":"75%"}]
[]
[]
["Serviceability Values",{"$nulls":30},"Rental Income New Implementation"]
[null,"Property Address","Investment","Located in WA (N/A)","Is Security Property?","Annual Rent Amount","Serviceability Rental Shading %","Serviceability Rental Shading % for Tax Deductibility","Annual Serviceability Rent","Applicant 1 %","Applicant 2 %","Applicant 3 %","Applicant 4 %","Applicant 1 Rental Income","Applicant 2 Rental Income","Applicant 3 Rental Income","Applicant 4 Rental Income","Applicant 1 Serviceability Rental Income","Applicant 2 Serviceability Rental Income","Applicant 3 Serviceability Rental Income","Applicant 4 Serviceability Rental Income","Property Number","Real Rent","Frequency","Real Annual Rent","Applicant 1 Real Rent","Applicant 2 Real Rent","Applicant 3 Real Rent","Applicant 4 Real Rent",null,null,"Gross Rental Income (per property)","Serviceability Income","Declared Property Expenses","Assessed Expenses","Gross Income wthout Rent","Gross Annual Rent","Scale","Rent for Capacity","Rent for Living Expenses","Applicant 1 Gross Rental","Applicant 2 Gross Rental","Applicant 3 Gross Rental","Applicant 4 Gross Rental"]
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[]
["Investment Property Tax Adjustments Existing and New Loans","Applicant 1",{"$nulls":7},"Applicant 2",{"$nulls":7},"Applicant 3",{"$nulls":7},"Applicant 4"]
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[]
["DEPRECATED"]
[]
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[]
[]
["Newly Requested Citi Loan Structure"]
[]
["Fixed Values"]
["Reference Rate - New Loans",{"v":0.0575,"d":"5.75%"}]
["Reference rate margin - New Loans",{"v":0.03,"d":"3.00%"}]
[]
[]
["Serviceability Values"]
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[null,{"$f":"SUM(B133:B138)","v":0},{"$nulls":6},{"$f":"SUM(I133:I138)","v":{"v":0,"d":"$0.00"}},{"$nulls":5},{"$f":"SUM(O133:O138)","v":{"v":0,"d":"$0.00"}}]
[]
["All Other Liabilities - Loan"]
[]
["Fixed Values"]
["Reference Rate - Existing Loans",{"$f":"B127","v":{"v":0.0575,"d":"5.75%"}}]
["Reference rate margin - Existing Loans",{"v":0.03,"d":"3.00%"}]
["Credit Card ",{"v":0.038,"d":"3.80%"}]
[]
["Serviceability Values"]
[null,"Loan Limit","Tax Deductible","Loan Term (months)","User Interest Rate","Citi Loan","Security","IO Loan","Calculated Interest Rate","Benchmark Repayment Amount","Applicant 1 %","Applicant 2 %","Applicant 3 %","Applicant 4 %","Limit for LVR","Has INV Security","Actual Repayment Amount"]
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[null,{"$f":"SUM(B150:B159)","v":0},{"$nulls":7},{"$f":"SUM(J150:J159)","v":{"v":0,"d":"$0.00"}},{"$nulls":4},{"$f":"SUM(O150:O159)","v":0},null,{"$f":"SUM(Q150:Q159)","v":0}]
["All Other Liabilities - Non Loan"]
[null,"Limit","Repayment Amount"]
["Credit Card",{"$f":"'Serviceability Calculator'!E148","v":0},{"$f":"B163*B146*12","v":{"v":0,"d":"$0.00"}}]
[]
["Personal Loan ",{"$f":"'Serviceability Calculator'!E140","v":0},{"$f":"'Serviceability Calculator'!Y140","v":0}]
["Hire Purchase",{"$f":"'Serviceability Calculator'!E142","v":0},{"$f":"'Serviceability Calculator'!Y142","v":0}]
["Lease/Car Loan ",{"$f":"'Serviceability Calculator'!E144","v":0},{"$f":"'Serviceability Calculator'!Y144","v":0}]
["Other Debts",{"$f":"'Serviceability Calculator'!E146","v":0},{"$f":"'Serviceability Calculator'!Y146","v":0}]
["Rent/Board Commitments",null,{"$f":"'Serviceability Calculator'!Y150","v":0}]
[]
["Investment Property Expenses"]
[]
["Fixed Values"]
["Benchmark Gross Rent % for Expense Calc",{"v":0.15,"d":"15%"}]
[]
[null,"Real Rental Income","% Share of Total","Investment Property Expense","Assessed Expenses for NSI"]
["Household 1",{"$f":"SUMIF(C$48:C$51,\"Household 1\",BB$48:BB$51)","v":0},{"$f":"IFERROR(B177/B$179,0)","v":{"v":0,"d":"0%"}},{"$f":"'Serviceability Calculator'!Y$152*C177","v":0},{"$f":"IF(D177>0,MAX(D177,B177*B$174),0)","v":0}]
["Household 2",{"$f":"SUMIF(C$48:C$51,\"Household 2\",BB$48:BB$51)","v":0},{"$f":"IFERROR(B178/B$179,0)","v":{"v":0,"d":"0%"}},{"$f":"'Serviceability Calculator'!Y$152*C178","v":0},{"$f":"IF(D178>0,MAX(D178,B178*B$174),0)","v":0}]
[null,{"$f":"SUM(B177:B178)","v":0},null,null,{"$f":"SUM(E177:E178)","v":0}]
[]
[]
[]
["Household Expenses"]
[null,1,2,3,4,5,6,7,8,9,10,11,12,13,14]
["Lower Income Band",0,{"v":25000,"d":"$25,000.00"},{"v":37000,"d":"$37,000.00"},{"v":49000,"d":"$49,000.00"},{"v":61000,"d":"$61,000.00"},{"v":74000,"d":"$74,000.00"},{"v":98000,"d":"$98,000.00"},{"v":123000,"d":"$123,000.00"},{"v":147000,"d":"$147,000.00"},{"v":172000,"d":"$172,000.00"},{"v":196000,"d":"$196,000.00"},{"v":246000,"d":"$246,000.00"},{"v":307000,"d":"$307,000.00"},{"v":368000,"d":"$368,000.00"}]
["Upper Income Band",{"v":25000,"d":"$25,000.00"},{"v":37000,"d":"$37,000.00"},{"v":49000,"d":"$49,000.00"},{"v":61000,"d":"$61,000.00"},{"v":74000,"d":"$74,000.00"},{"v":98000,"d":"$98,000.00"},{"v":123000,"d":"$123,000.00"},{"v":147000,"d":"$147,000.00"},{"v":172000,"d":"$172,000.00"},{"v":196000,"d":"$196,000.00"},{"v":246000,"d":"$246,000.00"},{"v":307000,"d":"$307,000.00"},{"v":368000,"d":"$368,000.00"},{"v":614000,"d":"$614,000.00"}]
["Couple",{"v":553.2836837081065,"d":"$553.28"},{"v":553.2836837081065,"d":"$553.28"},{"v":567.6594412787081,"d":"$567.66"},{"v":588.2479079437247,"d":"$588.25"},{"v":626.2350868256841,"d":"$626.24"},{"v":681.1490085355312,"d":"$681.15"},{"v":756.9810331535932,"d":"$756.98"},{"v":828.7394739839821,"d":"$828.74"},{"v":915.1865124016341,"d":"$915.19"},{"v":960.4449562398752,"d":"$960.44"},{"v":1003.9880431092344,"d":"$1,003.99"},{"v":1126.1517492515811,"d":"$1,126.15"},{"v":1243.4384719356358,"d":"$1,243.44"},{"v":1287.6800804572717,"d":"$1,287.68"}]
["Couple with 1 child",{"v":654.4075493907322,"d":"$654.41"},{"v":654.4075493907322,"d":"$654.41"},{"v":654.4075493907322,"d":"$654.41"},{"v":675.068311188349,"d":"$675.07"},{"v":713.1888888946269,"d":"$713.19"},{"v":768.2955915312847,"d":"$768.30"},{"v":844.393932374705,"d":"$844.39"},{"v":916.404311808699,"d":"$916.40"},{"v":1003.1549036772694,"d":"$1,003.15"},{"v":1048.57226975347,"d":"$1,048.57"},{"v":1092.2682738612416,"d":"$1,092.27"},{"v":1214.8609319625486,"d":"$1,214.86"},{"v":1332.5594997493315,"d":"$1,332.56"},{"v":1376.9564599543419,"d":"$1,376.96"}]
["Couple with 2 children",{"v":726.5628949251981,"d":"$726.56"},{"v":726.5628949251981,"d":"$726.56"},{"v":726.5628949251981,"d":"$726.56"},{"v":747.1334922930075,"d":"$747.13"},{"v":785.0877010562809,"d":"$785.09"},{"v":839.9539248799434,"d":"$839.95"},{"v":915.7201327954907,"d":"$915.72"},{"v":987.4163290801674,"d":"$987.42"},{"v":1073.7882645699988,"d":"$1,073.79"},{"v":1119.0075005209549,"d":"$1,119.01"},{"v":1162.5127768554557,"d":"$1,162.51"},{"v":1284.5703988810826,"d":"$1,284.57"},{"v":1401.755398351045,"d":"$1,401.76"},{"v":1445.958535199768,"d":"$1,445.96"}]
["Couple with 3 children",{"v":805.7396263785482,"d":"$805.74"},{"v":805.7396263785482,"d":"$805.74"},{"v":805.7396263785482,"d":"$805.74"},{"v":805.7396263785482,"d":"$805.74"},{"v":844.0071664855312,"d":"$844.01"},{"v":899.3263256300472,"d":"$899.33"},{"v":975.7180038131015,"d":"$975.72"},{"v":1048.0060713330313,"d":"$1,048.01"},{"v":1135.091030202047,"d":"$1,135.09"},{"v":1180.683581455912,"d":"$1,180.68"},{"v":1224.5480054576321,"d":"$1,224.55"},{"v":1347.6132457289118,"d":"$1,347.61"},{"v":1465.7656017616428,"d":"$1,465.77"},{"v":1510.333721068858,"d":"$1,510.33"}]
["Couple Extra Child",{"v":79.17673145335016,"d":"$79.18"},{"v":79.17673145335016,"d":"$79.18"},{"v":79.17673145335016,"d":"$79.18"},{"v":58.6061340855407,"d":"$58.61"},{"v":58.919465429250295,"d":"$58.92"},{"v":59.37240075010379,"d":"$59.37"},{"v":59.997871017610805,"d":"$60.00"},{"v":60.58974225286386,"d":"$60.59"},{"v":61.30276563204825,"d":"$61.30"},{"v":61.6760809349571,"d":"$61.68"},{"v":62.0352286021764,"d":"$62.04"},{"v":63.042846847829196,"d":"$63.04"},{"v":64.0102034105978,"d":"$64.01"},{"v":64.37518586909005,"d":"$64.38"}]
["Single person",{"v":281.8896737582737,"d":"$281.89"},{"v":297.8769730437655,"d":"$297.88"},{"v":312.2425383027354,"d":"$312.24"},{"v":332.8163882392883,"d":"$332.82"},{"v":370.7766027955897,"d":"$370.78"},{"v":425.65150192223405,"d":"$425.65"},{"v":501.42968979126897,"d":"$501.43"},{"v":573.1372316366594,"d":"$573.14"},{"v":659.5228423232406,"d":"$659.52"},{"v":704.7491733402812,"d":"$704.75"},{"v":748.2613652016673,"d":"$748.26"},{"v":870.3383232444428,"d":"$870.34"},{"v":987.5418334047414,"d":"$987.54"},{"v":1031.751959537184,"d":"$1,031.75"}]
["Single parent with 1 child",{"v":398.1915494271818,"d":"$398.19"},{"v":398.1915494271818,"d":"$398.19"},{"v":412.55586067346457,"d":"$412.56"},{"v":433.1279839880413,"d":"$433.13"},{"v":471.0849132933455,"d":"$471.08"},{"v":525.9551461531906,"d":"$525.96"},{"v":601.7268305863406,"d":"$601.73"},{"v":673.4281812716406,"d":"$673.43"},{"v":759.8064068902381,"d":"$759.81"},{"v":805.0288985353986,"d":"$805.03"},{"v":848.5373247610763,"d":"$848.54"},{"v":970.6038389406722,"d":"$970.60"},{"v":1087.797249730857,"d":"$1,087.80"},{"v":1132.0036601654074,"d":"$1,132.00"}]
["Single parent with 2 children",{"v":510.53150034341115,"d":"$510.53"},{"v":510.53150034341115,"d":"$510.53"},{"v":524.9307875684117,"d":"$524.93"},{"v":545.5529000753869,"d":"$545.55"},{"v":583.6021579182474,"d":"$583.60"},{"v":638.6057837388106,"d":"$638.61"},{"v":714.5617336766745,"d":"$714.56"},{"v":786.4374427426562,"d":"$786.44"},{"v":873.0257536231732,"d":"$873.03"},{"v":918.3581958563135,"d":"$918.36"},{"v":961.9724411972107,"d":"$961.97"},{"v":1084.3357149295496,"d":"$1,084.34"},{"v":1201.814181888467,"d":"$1,201.81"},{"v":1246.1280170657612,"d":"$1,246.13"}]
["Single parent with 3 children",{"v":637.3057144633588,"d":"$637.31"},{"v":637.3057144633588,"d":"$637.31"},{"v":637.3057144633588,"d":"$637.31"},{"v":657.9778161627326,"d":"$657.98"},{"v":696.1194025431492,"d":"$696.12"},{"v":751.2564213244306,"d":"$751.26"},{"v":827.3966367670084,"d":"$827.40"},{"v":899.4467042136719,"d":"$899.45"},{"v":986.2451003561082,"d":"$986.25"},{"v":1031.6874931772284,"d":"$1,031.69"},{"v":1075.4075576333453,"d":"$1,075.41"},{"v":1198.067590918427,"d":"$1,198.07"},{"v":1315.831114046077,"d":"$1,315.83"},{"v":1360.252373966115,"d":"$1,360.25"}]
["Single Extra Child",{"v":126.7742141199476,"d":"$126.77"},{"v":126.7742141199476,"d":"$126.77"},{"v":112.37492689494707,"d":"$112.37"},{"v":112.42491608734565,"d":"$112.42"},{"v":112.51724462490188,"d":"$112.52"},{"v":112.65063758561996,"d":"$112.65"},{"v":112.83490309033391,"d":"$112.83"},{"v":113.00926147101563,"d":"$113.01"},{"v":113.21934673293504,"d":"$113.22"},{"v":113.32929732091486,"d":"$113.33"},{"v":113.43511643613454,"d":"$113.44"},{"v":113.73187598887739,"d":"$113.73"},{"v":114.01693215760997,"d":"$114.02"},{"v":114.12435690035386,"d":"$114.12"}]
[]
[]
[null,"Number of Applicants","Number of Couples","Number of Singles","Number of Dependants","Total Gross Personal Income","Tax Deductible Interest","Investment Property Expense","Income For HEM Expense","Couple/Single Scenario","Std HEM Income Band","Couple","Couple with 1 child","Couple with 2 children","Couple with 3 children","Couple with extra children","Single person","Single parent with 1 child","Single 2 child","Single parent with 3 children","Single parent with extra children","HEM Code Scenario","HEM Scenario","Std HEM Monthly","Smoothd HEM Income Band","Couple","Couple with 1 child","Couple with 2 children","Couple with 3 children","Couple with extra children","Single person","Single parent with 1 child","Single 2 child","Single parent with 3 children","Single parent with extra children","Smoothing Function","Smoothed HEM Monthly","Basic Living Expenses","Discretionary Living Expenses","Calculated Living Expense","Income for Medicare Levy","Medicare Levy Unit","Household Type (row)","Big Income HEM Lookup","Final HEM Expense for UI"]
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["Household 2",{"$f":"IF('Serviceability Calculator'!E12=\"Household 2\", 1,0)+IF('Serviceability Calculator'!I12=\"Household 2\", 1,0)+IF('Serviceability Calculator'!M12=\"Household 2\", 1,0)+IF('Serviceability Calculator'!Q12=\"Household 2\", 1,0)","v":0},{"$f":"ROUND((IF(AND('Serviceability Calculator'!E8=\"Couple\",'Serviceability Calculator'!E12=\"Household 2\"),1,0)+\nIF(AND('Serviceability Calculator'!I8=\"Couple\",'Serviceability Calculator'!I12=\"Household 2\"),1,0) +\nIF(AND('Serviceability Calculator'!M8=\"Couple\",'Serviceability Calculator'!M12=\"Household 2\"),1,0) +\nIF(AND('Serviceability Calculator'!Q8=\"Couple\",'Serviceability Calculator'!Q12=\"Household 2\"),1,0))/2,0)","v":0},{"$f":"(IF(AND('Serviceability Calculator'!E8=\"Single\",'Serviceability Calculator'!E12=\"Household 2\"),1,0)+\nIF(AND('Serviceability Calculator'!I8=\"Single\",'Serviceability Calculator'!I12=\"Household 2\"),1,0) +\nIF(AND('Serviceability Calculator'!M8=\"Single\",'Serviceability 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Calculator'!Y160","v":0},{"$f":"'Serviceability Calculator'!Y163","v":0},{"$f":"MAX(AL201,AS201)+AM201","v":0},{"$f":"SUMIF(C$48:C$51,A201,AR$48:AR$51)","v":0},{"$f":"IF(F201<>\"\",\nIF(AND(AO201>B$19,AO201<=C$19),AO201*D$19,\nIF(AND(AO201>B$20,AO201<=C$20),AO201*D$20,\nIF(AND(AO201>B$21,AO201<=C$21),AO201*D$21,\nIF(AND(AO201>B$22,AO201<=C$22),AO201*D$22,0)))),0)","v":0},{"$f":"IF(V201=\"010000\",187,IF(V201=\"010001\",188,IF(V201=\"010002\",189,IF(AND(V201>=\"010003\",V201<=\"010099\"),190,IF(V201=\"000100\",192,IF(V201=\"000101\",193,IF(V201=\"000102\",194,195)))))))","v":195},{"$f":"IF(I201>=528000,INDIRECT(\"O\" & AQ201)+(INDIRECT(\"O\" & AQ201)-INDIRECT(\"N\" & AQ201))/(AVERAGE(O$185:O$186)-AVERAGE(N$185:N$186))*(I201-O$186),0)","v":0},{"$f":"IF(X201>0,MIN(X201,AK201),MIN(AK201,AR201/7*365/12))","v":0}]
["HEM Warning Message",{"$f":"IF(OR(AND('Serviceability Calculator'!E160>0,'Serviceability Calculator'!E166>'Serviceability Calculator'!E160),AND('Serviceability Calculator'!Y160>0,'Serviceability Calculator'!Y166>'Serviceability Calculator'!Y160)),\"HEM exceeds Basic Living Expenses. Consider adding Basic Living Expenses greater than HEM.\",\"\")","v":""},{"$nulls":21},{"$f":"SUM(X200:X201)","v":0},{"$nulls":12},{"$f":"SUM(AK200:AK201)","v":0},0,0,0]
[]
["Summary Data"]
[]
["Total Gross Income Person Applicants",{"$f":"D52+E52+F52+I52+J52+K52+T52+AC52+AD52+AE52+AG52+SUM(AO90:AR90)","v":0}]
["Total Gross Income Company Applicants",{"$f":"C65+D65+E65+G65","v":0},null,"Total Loan Limits (exist &new)",{"$f":"B139+O160","v":0}]
["Total Gross Income",{"$f":"B206+B207","v":0}]
[]
["Total Net Income Person Applicants",{"$f":"AV52","v":0}]
["Total Net Income Company Applicants",{"$f":"J65","v":0}]
["Total Investment Expenses",{"$f":"E179","v":0},null,"Total Gross Income Person Applicants for LTI",{"$f":"AX52","v":0},null,"Total Gross Income Person Applicants for DTI",{"$f":"AY52","v":0}]
["Total Adjusted Rental Income",{"$f":"AM90","v":0},null,"Total Gross Income Company Applicants for LTI",{"$f":"K65","v":0},null,"Total Gross Income Company Applicants for DTI",{"$f":"L65","v":0}]
["Total Net Income",{"$f":"B210+B211+B213","v":0},null,"Total Gross Income for LTI",{"$f":"E212+E213","v":0},null,"Total Gross Income for DTI",{"$f":"H212+H213","v":0}]
[]
["Total Credit Card Repayments",{"$f":"C163","v":{"v":0,"d":"$0.00"}},{"$nulls":4},"Non Citi loans",{"$f":"B160","v":0}]
["Total Other Loan Repayments",{"$f":"SUM(C165:C169)","v":0},null,"Loan Amount with CitiBank (new loans)",{"$f":"B139","v":0},null,"Credit Card and Other Loan Limits",{"$f":"B163+B165+B166+B167+B168","v":0}]
["Total Living Expenses",{"$f":"AN202*12","v":0},null,"Loan Amount with CitiBank (existing loans)",{"$f":"SUMIF(F150:F155,\"Yes\",B150:B155)","v":0},null,"New Post Loan Debts",{"$f":"B139","v":0}]
["Total Existing Expenses",{"$f":"SUM(B216:B218)","v":{"v":0,"d":"$0.00"}},null,null,{"$f":"E217+E218","v":0},null,null,{"$f":"H218+H217+H216","v":0}]
[]
["Assessed Income for Servicing",{"$f":"B214-B219","v":0},null,"LTI",{"$f":"ROUND(IFERROR(E219/E214,0),0)","v":{"v":0,"d":"0.00"}},null,"DTI",{"$f":"IFERROR(H219/H214,0)","v":{"v":0,"d":"0.00"}}]
[]
["Total Existing Benchmark Loan Repayments",{"$f":"J160","v":{"v":0,"d":"$0.00"}},null,"Total Existing Actual Loan Repayments",{"$f":"Q160","v":0}]
["Total New Bechmark Loan Repayments",{"$f":"I139","v":{"v":0,"d":"$0.00"}},null,"Total New Actual Loan Repayments",{"$f":"O139","v":{"v":0,"d":"$0.00"}}]
["Total Loan Repayments",{"$f":"B223+B224","v":{"v":0,"d":"$0.00"}},null,"Total Loan Repayments",{"$f":"E223+E224","v":{"v":0,"d":"$0.00"}}]
[]
["Net Serviceability Income (NSI)",{"$f":"B221-B225","v":0}]
["Total IPT (tax difference Total Income vs Total Income including rent)",{"$f":"AQ52","v":0}]
["Preliminary NSI",{"$f":"B227-B228","v":0}]
["Final NSI",{"$f":"B227","v":0}]
[]
["DBR",{"$f":"IFERROR((B216+B217+E225)/B208,0)","v":{"v":0,"d":"0.00%"}}]
[]
["Indicator intervals","Pass Limit",null,"Warning Low ",null,"Warning High",null,"Fail Limit",null,"Result"]
["LVR","<=",{"v":1,"d":"100%"},{"$nulls":4},">",{"v":1,"d":"100%"},{"$f":"IF(AND(E206>0,E207>0),IF(E208<=C235,\"Indicator Pass\",\"Indicator has failed. Please discuss loan options with your BDM\"),\"\")","v":""}]
["NSI",">",0,{"$nulls":4},"<=",0,{"$f":"IF(B227<>0,IF(B230>C236,\"Indicator Pass\",\"Indicator has failed. Please discuss loan options with your BDM\"),\"\")","v":""}]
["LTI","<",6,{"$nulls":4},">",6,{"$f":"IF(AND(E214>0,E219>0),IF(E221<C237,\"Indicator Pass\",\"Indicator has failed. Please discuss loan options with your BDM\"),\"\")","v":""}]
["DBR","<",{"v":0.7,"d":"70%"},{"$nulls":4},">=",{"v":0.7,"d":"70%"},{"$f":"IF(AND(B208>0,B225>0),IF(B232<C238,\"Indicator Pass\",\"Indicator has failed. Please discuss loan options with your BDM\"),\"\")","v":""}]
["DTI","<",6,">=",6,"<",9,">=",9,{"$f":"IF(H221>0,IF(H221<C239,\"\",IF(AND(H221>=E239,H221<G239),\"DTI > 6 Please refer to your BDM\",\"Indicator has failed. Please discuss loan options with your BDM\")),\"\")","v":""}]

{"sheet":"Sheet1","index":4,"n_rows":0,"n_cols":0,"rows_kept":0,"hidden":true}

{"sheet":"Lists","index":5,"n_rows":12,"n_cols":21,"rows_kept":12,"hidden":true}
["Status","Couple Applicant 1","Couple Applicant 2","Couple Applicant 3","Couple Applicant 4","Dependants","Household","Applicant Type","Property State","Property/Liability Number","Yes/No","Loan repayment","Rent Frequency","SE Applicant 1","SE Applicant 2","SE Applicant 3","SE Applicant 4","Security","Sole Trader","IO","Loan Number"]
["Single","N/A","N/A","N/A","N/A",0,"Household 1","Person Applicant","WA",1,"Yes","P&I","Weekly",false,false,false,false,"Property 1","Sole Trader",60,1]
["Couple",{"$f":"IF(AND('Serviceability Calculator'!E8=\"Couple\",'Serviceability Calculator'!I8=\"Couple\"),\"Applicant 2\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!I8=\"Couple\",'Serviceability Calculator'!E8=\"Couple\"),\"Applicant 1\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!M8=\"Couple\",'Serviceability Calculator'!E8=\"Couple\"),\"Applicant 1\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!Q8=\"Couple\",'Serviceability Calculator'!E8=\"Couple\"),\"Applicant 1\",\"\")","v":""},1,"Household 2","Company Applicant","Other State",2,"No","IO","Monthly",{"$nulls":4},"Property 2","Partnership",null,2]
[null,{"$f":"IF(AND('Serviceability Calculator'!E8=\"Couple\",'Serviceability Calculator'!M8=\"Couple\"),\"Applicant 3\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!I8=\"Couple\",'Serviceability Calculator'!M8=\"Couple\"),\"Applicant 3\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!M8=\"Couple\",'Serviceability Calculator'!I8=\"Couple\"),\"Applicant 2\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!Q8=\"Couple\",'Serviceability Calculator'!I8=\"Couple\"),\"Applicant 2\",\"\")","v":""},2,{"$nulls":3},3,null,null,"Yearly",{"$nulls":4},"Property 3","Director",null,3]
[null,{"$f":"IF(AND('Serviceability Calculator'!E8=\"Couple\",'Serviceability Calculator'!Q8=\"Couple\"),\"Applicant 4\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!I8=\"Couple\",'Serviceability Calculator'!Q8=\"Couple\"),\"Applicant 4\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!M8=\"Couple\",'Serviceability Calculator'!Q8=\"Couple\"),\"Applicant 4\",\"\")","v":""},{"$f":"IF(AND('Serviceability Calculator'!Q8=\"Couple\",'Serviceability Calculator'!M8=\"Couple\"),\"Applicant 3\",\"\")","v":""},3,{"$nulls":3},4,{"$nulls":7},"Property 4","Combination",null,4]
[{"$nulls":5},4,{"$nulls":3},5,{"$nulls":7},"Property 5","None",null,5]
[{"$nulls":5},5,{"$nulls":3},6,{"$nulls":7},"Property 6",null,null,6]
[{"$nulls":5},6,{"$nulls":3},7,{"$nulls":7},"Property 7"]
[{"$nulls":5},7,{"$nulls":3},8,{"$nulls":7},"Property 8"]
[{"$nulls":5},8,{"$nulls":3},9,{"$nulls":7},"Property 9"]
[{"$nulls":5},9,{"$nulls":3},10,{"$nulls":7},"Property 10"]
[{"$nulls":5},10]