{"text_format":"1","workbook":"xlsx","n_sheets":7,"sheets":["Лист1","Лист3","Калькулятор","3,4","3,25","3,05","2,7"],"not_rendered":{"charts":0,"images":0,"macros":0,"external_links":0,"defined_names":0,"comments":5,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Лист1","index":0,"n_rows":74,"n_cols":21,"rows_kept":74,"cut":false,"hidden":true,"merged":[[9,1,9,2],[10,1,10,2],[2,1,2,2],[3,1,3,2],[4,1,4,3],[5,1,5,2],[6,1,6,2],[7,1,7,2],[8,1,8,2]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"срок"]
[null,"Вкажіть бажану суму кредиту",null,30000,null,null,null,null,null,null,null,null,null,6,null,null,"Условия"]
[null,"Вкажіть бажаний строк кредиту",null,6,null,null,null,null,null,null,null,null,null,12,null,null,null,"5000 - 50000","Комиссия","50000 - 100000","Комиссия"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,18,null,null,"Cross",0.21990000000000001,2.29E-2,0.19989999999999999,2.1899999999999999E-2]
[null,"Сума кредиту",null,{"$f":"D3","v":30000},null,null,null,null,null,null,null,null,null,24]
[null,"Розмір платежу в місяць",null,{"$f":"IF(AND(D3>=5000,D3<50000),PMT(R5/12,D4,-D3,0,0)+Q8,IF(AND(D3>=50000,D3<=100000),PMT(T5/12,D4,-D3,0,0)+Q8,\"-\"))","v":6012.539349291239},null,null,null,null,null,null,null,null,null,30,null,null,"комиссия"]
[null,"Переплата в місяць",null,{"$f":"D9/D4","v":1012.5393492912384},null,null,null,null,null,null,null,null,null,36,null,null,{"$f":"IF(AND(D3>=5000,D3<50000),S5*D3,0)+IF(AND(D3>=50000,D3<=100000),U5*D3,0)","v":687}]
[null,"Загальні витрати за кредитом",null,{"$f":"(D7*D4)-D3","v":6075.2360957474302},null,null,null,null,null,null,null,null,null,42]
[null,"Загальна вартісь кредиту",null,{"$f":"D7*D4","v":36075.23609574743},null,null,null,null,null,null,null,null,null,48]
[null,"Реальна річна ставка",null,null,null,null,null,null,null,null,null,null,null,54]
[null,null,null,null,null,null,null,null,null,null,null,null,null,60]
[]
[null,{"$f":"TODAY()","v":"2025-04-08"},"Сума платежу за розрахунковий період","Процент","Комісія","Погашення тіло кредиту","Заборгованість"]
[1,{"$f":"EDATE(B14,1)","v":"2025-05-08"},{"$f":"IF(A28<>\"\",ROUNDUP($D$7,0),IF(A15<>\"\",D15+E15+F15,\"\"))","v":1236.75},{"$f":"IF(A15<>\"\",ROUND(R5*$D$6*30/(360),2),\"\")","v":549.75},{"$f":"IF(A15<>\"\",$Q$8,\"\")","v":687}]
[{"$f":"IF(A15<$D$4,A15+1,\"\")","v":2},"2025-06-08"]
[3,"2025-07-08"]
[4,"2025-08-08"]
[5,"2025-09-08"]
[6,"2025-10-08"]
["","2025-11-08"]
["","2025-12-08"]
["","2026-01-08"]
["","2026-02-08"]
["","2026-03-08"]
["","2026-04-08"]
["","2026-05-08"]
["","2026-06-08"]
["","2026-07-08"]
["","2026-08-08"]
["","2026-09-08"]
["","2026-10-08"]
["","2026-11-08"]
["","2026-12-08"]
["","2027-01-08"]
["","2027-02-08"]
["","2027-03-08"]
["","2027-04-08"]
["","2027-05-08"]
["","2027-06-08"]
["","2027-07-08"]
["","2027-08-08"]
["","2027-09-08"]
["","2027-10-08"]
["","2027-11-08"]
["","2027-12-08"]
["","2028-01-08"]
["","2028-02-08"]
["","2028-03-08"]
["","2028-04-08"]
["","2028-05-08"]
["","2028-06-08"]
["","2028-07-08"]
["","2028-08-08"]
["","2028-09-08"]
["","2028-10-08"]
["","2028-11-08"]
["","2028-12-08"]
["","2029-01-08"]
["","2029-02-08"]
["","2029-03-08"]
["","2029-04-08"]
["","2029-05-08"]
["","2029-06-08"]
["","2029-07-08"]
["","2029-08-08"]
["","2029-09-08"]
["","2029-10-08"]
["","2029-11-08"]
["","2029-12-08"]
["","2030-01-08"]
["","2030-02-08"]
["","2030-03-08"]
["","2030-04-08"]

{"sheet":"Лист3","index":1,"n_rows":89,"n_cols":25,"rows_kept":89,"cut":false,"hidden":true,"merged":[[84,1,84,2],[86,2,86,9],[87,4,87,9],[28,1,28,3],[29,1,29,3],[30,1,30,3],[33,1,34,1],[33,2,34,2],[33,3,34,3],[33,4,34,4],[27,1,27,3],[33,18,34,18],[33,19,34,19],[33,7,34,7],[33,8,34,8],[33,9,34,9],[33,10,34,10],[33,11,34,11],[33,16,34,16],[33,17,34,17],[15,1,15,4],[16,1,16,4],[18,1,18,3],[19,1,19,3],[22,2,22,3],[12,17,12,18],[12,19,12,20],[12,21,12,22],[12,23,12,24],[0,2,0,12],[3,4,3,8],[4,4,4,8],[6,1,6,4],[7,1,7,4],[8,1,8,4],[10,1,10,3],[12,1,12,3]]}
[null,null,"Умови кредитування "]
[]
[]
[null,null,"Продукт",null,"Персональный кредит"]
[null,null,"Нік"]
[]
[null,"Калькулятор розрахунку загальної вартості кредиту*"]
[null,"*Приклад розрахунку носить виключно інформаційний характер  "]
[null,"Для отримання розрахунку необхідно заповнити поля, \nщо відображені сірим кольором."]
[]
[null,"Cума кредиту від 5 000 до 100 000, грн.",null,null,101000]
[null,null,"Перший внесок",null,0,null,null,null,{"$f":"E12/E11","v":0},null,null,null,null,null,null,"Условия"]
[null,"Термін кредиту",null,null,36,null,null,null,null,null,null,null,null,null,null,12,null,"5-50",null,"50-100",null,"100-200",null,"200-300"]
[]
[null,null,"Одноразова комісія",null,0,null,null,null,"гривень",null,null,null,null,null,null,"Cross",null,0.35,2.2499999999999999E-2,0.35,0.02,0.35,1.7500000000000002E-2,0.35,1.4E-2]
[null,"Результат розрахунку*"]
[null,"*Орієнтовно на дату розрахунку, конкретні умови кредитування будуть вказані в паспорті споживчого кредиту в день оформлення кредитної заявки"]
[]
[null,"Щомісячна комісія",null,null,{"$f":"IF(AND(E11>=5000,E11<50000),S15,IF(AND(E11>=50000,E11<=100000),U15,IF(AND(E11>=100000,E11<200000),W15,IF(AND(E11>=200000,E11<=300000),Y15,0))))","v":1.7500000000000002E-2},{"$f":"E19*E11","v":1767.5000000000002},null,null,"гривень"]
[null,"Процентна ставка",null,null,{"$f":"IF(AND(E11>=5000,E11<50000),R15,IF(AND(E11>=50000,E11<=100000),T15,IF(AND(E11>=100000,E11<200000),V15,IF(AND(E11>=200000,E11<=300000),X15,0))))","v":0.35}]
[null,null,"Страхування",null,0,null,null,null,"гривень",null,null,null,null,null,null,"срок"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6]
[null,null,"Вкажіть термін кредиту",null,6,null,null,null,null,null,null,null,null,null,null,12]
[null,null,"Строк кредитування",null,{"$f":"IF(MID(E5,1,4)=\"ES5V\",E23+2,E23)","v":6},null,null,"місяців",null,null,null,null,null,null,null,18]
[null,null,"Сума кредиту",null,{"$f":"(E11-E12+(E11-E12)*E15)*(1+E21*E24)","v":101000},null,null,null,null,null,null,null,null,null,null,24]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,36]
[null,"Сума  платежу за розрахунковий період, грн",null,null,{"$f":"PMT(E20/12,E13,-E11,0)+F19","v":6336.3401734986464},null,null,null,null,null,null,null,null,null,null,42]
[null,"Реальна річна ставка, %",null,null,{"$f":"K88","v":0.85593589544296278},null,null,null,null,null,null,null,null,null,null,48]
[null,"Загальні витрати за кредитом, грн",null,null,{"$f":"E31-E11","v":127108.24624595113},null,null,null,null,null,null,null,null,null,null,60]
[null,"Загальна вартість кредиту, грн",null,null,{"$f":"D85","v":228108.24624595113}]
[]
[]
[null,"№","Дата платежу","Сума  платежу за розрахунковий період, грн.","Погашення суми кредиту, грн.",null,null,"Проценти за користування кредитом, грн.","Щомісячна комісія, грн.","РКО",null,"Заборгованість",null,null,null,null,"Комісія за надання кредиту","Послуги страховика, грн.","Реальна річна процентна ставка","Загальна вартісь кредиту, грн"]
[]
[null,"№",{"$f":"TODAY()","v":"2025-04-08"},{"$f":"-E11","v":-101000},{"$f":"E11","v":101000},null,null,"х","х",null,{"$f":"-(E11-E12)","v":-101000},null,null,null,null,null,0,0,"х","х"]
[null,1,{"$f":"DATE(YEAR(C36),MONTH(C36)+1,DAY(C36))","v":"2025-05-08"},{"$f":"IF(B37<=$E$13,$E$28,0)","v":6336.3401734986464},{"$f":"D37-H37-I37","v":1623.0068401653127},null,null,{"$f":"E11*E20/12","v":2945.8333333333335},{"$f":"IF(B37<=$E$13,$E$19*$E$11,0)","v":1767.5000000000002},{"$f":"IF(B37<>\"\",D37*$K$28,\"\")","v":0},{"$f":"IF(B37<>\"\",J37+D37,\"\")","v":6336.3401734986464},{"$f":"E25-E37","v":99376.993159834688},null,null,null,null,0,0,"х","х"]
[null,2,"2025-06-08",6336.3401734986464,1670.3445396701347,null,null,{"$f":"IF(L37>0,L37*$E$20/12,0)","v":2898.4956338285115},1767.5000000000002,0,6336.3401734986464,{"$f":"L37-E38","v":97706.64862016456},null,null,null,null,0,0,"х","х"]
[null,3,"2025-07-08",6336.3401734986464,1719.06292207718,null,null,2849.7772514214662,1767.5000000000002,0,6336.3401734986464,95987.58569808738,null,null,null,null,0,0,"х","х"]
[null,4,"2025-08-08",6336.3401734986464,1769.2022573044312,null,null,2799.637916194215,1767.5000000000002,0,6336.3401734986464,94218.383440782942,null,null,null,null,0,0,"х","х"]
[null,5,"2025-09-08",6336.3401734986464,1820.803989809144,null,null,2748.0361836895022,1767.5000000000002,0,6336.3401734986464,92397.579450973804,null,null,null,null,0,0,"х","х"]
[null,6,"2025-10-08",6336.3401734986464,1873.9107728452439,null,null,2694.9294006534024,1767.5000000000002,0,6336.3401734986464,90523.668678128553,null,null,null,null,0,0,"х","х"]
[null,7,"2025-11-08",6336.3401734986464,1928.5665037198971,null,null,2640.2736697787491,1767.5000000000002,0,6336.3401734986464,88595.102174408661,null,null,null,null,0,0,"х","х"]
[null,8,"2025-12-08",6336.3401734986464,1984.8163600783939,null,null,2584.0238134202523,1767.5000000000002,0,6336.3401734986464,86610.285814330273,null,null,null,null,0,0,"х","х"]
[null,9,"2026-01-08",6336.3401734986464,2042.706837247347,null,null,2526.1333362512992,1767.5000000000002,0,6336.3401734986464,84567.578977082929,null,null,null,null,0,0,"х","х"]
[null,10,"2026-02-08",6336.3401734986464,2102.2857866670611,null,null,2466.5543868315854,1767.5000000000002,0,6336.3401734986464,82465.293190415861,null,null,null,null,0,0,"х","х"]
[null,11,"2026-03-08",6336.3401734986464,2163.6024554448504,null,null,2405.2377180537956,1767.5000000000002,0,6336.3401734986464,80301.690734971009,null,null,null,null,0,0,"х","х"]
[null,12,"2026-04-08",6336.3401734986464,2226.7075270619916,null,null,2342.1326464366543,1767.5000000000002,0,6336.3401734986464,78074.983207909012,null,null,null,null,0,0,"х","х"]
[null,13,"2026-05-08",6336.3401734986464,2291.6531632679671,null,null,2277.1870102306793,1767.5000000000002,0,6336.3401734986464,75783.330044641043,null,null,null,null,0,0,"х","х"]
[null,14,"2026-06-08",6336.3401734986464,2358.4930471966163,null,null,2210.3471263020306,1767.5000000000002,0,6336.3401734986464,73424.836997444421,null,null,null,null,0,0,"х","х"]
[null,15,"2026-07-08",6336.3401734986464,2427.2824277398504,null,null,2141.5577457587956,1767.5000000000002,0,6336.3401734986464,70997.554569704575,null,null,null,null,0,0,"х","х"]
[null,16,"2026-08-08",6336.3401734986464,2498.0781652155965,null,null,2070.7620082830499,1767.5000000000002,0,6336.3401734986464,68499.476404488974,null,null,null,null,0,0,"х","х"]
[null,17,"2026-09-08",6336.3401734986464,2570.9387783677184,null,null,1997.9013951309282,1767.5000000000002,0,6336.3401734986464,65928.537626121251,null,null,null,null,0,0,"х","х"]
[null,18,"2026-10-08",6336.3401734986464,2645.9244927367763,null,null,1922.9156807618699,1767.5000000000002,0,6336.3401734986464,63282.613133384475,null,null,null,null,0,0,"х","х"]
[null,19,"2026-11-08",6336.3401734986464,2723.0972904415994,null,null,1845.742883057047,1767.5000000000002,0,6336.3401734986464,60559.515842942877,null,null,null,null,0,0,"х","х"]
[null,20,"2026-12-08",6336.3401734986464,2802.5209614128125,null,null,1766.3192120858339,1767.5000000000002,0,6336.3401734986464,57756.994881530067,null,null,null,null,0,0,"х","х"]
[null,21,"2027-01-08",6336.3401734986464,2884.2611561206859,null,null,1684.5790173779603,1767.5000000000002,0,6336.3401734986464,54872.73372540938,null,null,null,null,0,0,"х","х"]
[null,22,"2027-02-08",6336.3401734986464,2968.385439840873,null,null,1600.4547336577734,1767.5000000000002,0,6336.3401734986464,51904.348285568507,null,null,null,null,0,0,"х","х"]
[null,23,"2027-03-08",6336.3401734986464,3054.963348502898,null,null,1513.8768249957482,1767.5000000000002,0,6336.3401734986464,48849.38493706561,null,null,null,null,0,0,"х","х"]
[null,24,"2027-04-08",6336.3401734986464,3144.066446167566,null,null,1424.7737273310802,1767.5000000000002,0,6336.3401734986464,45705.318490898047,null,null,null,null,0,0,"х","х"]
[null,25,"2027-05-08",6336.3401734986464,3235.7683841807866,null,null,1333.0717893178596,1767.5000000000002,0,6336.3401734986464,42469.550106717259,null,null,null,null,0,0,"х","х"]
[null,26,"2027-06-08",6336.3401734986464,3330.1449620527264,null,null,1238.69521144592,1767.5000000000002,0,6336.3401734986464,39139.405144664532,null,null,null,null,0,0,"х","х"]
[null,27,"2027-07-08",6336.3401734986464,3427.2741901125974,null,null,1141.5659833860489,1767.5000000000002,0,6336.3401734986464,35712.130954551933,null,null,null,null,0,0,"х","х"]
[null,28,"2027-08-08",6336.3401734986464,3527.236353990882,null,null,1041.6038195077647,1767.5000000000002,0,6336.3401734986464,32184.894600561049,null,null,null,null,0,0,"х","х"]
[null,29,"2027-09-08",6336.3401734986464,3630.1140809822828,null,null,938.72609251636379,1767.5000000000002,0,6336.3401734986464,28554.780519578766,null,null,null,null,0,0,"х","х"]
[null,30,"2027-10-08",6336.3401734986464,3735.9924083442656,null,null,832.84776515438068,1767.5000000000002,0,6336.3401734986464,24818.788111234499,null,null,null,null,0,0,"х","х"]
[null,31,"2027-11-08",6336.3401734986464,3844.9588535876401,null,null,723.88131991100624,1767.5000000000002,0,6336.3401734986464,20973.829257646859,null,null,null,null,0,0,"х","х"]
[null,32,"2027-12-08",6336.3401734986464,3957.1034868172801,null,null,611.73668668136668,1767.5000000000002,0,6336.3401734986464,17016.72577082958,null,null,null,null,0,0,"х","х"]
[null,33,"2028-01-08",6336.3401734986464,4072.519005182784,null,null,496.32116831586274,1767.5000000000002,0,6336.3401734986464,12944.206765646795,null,null,null,null,0,0,"х","х"]
[null,34,"2028-02-08",6336.3401734986464,4191.3008095006153,null,null,377.53936399803155,1767.5000000000002,0,6336.3401734986464,8752.90595614618,null,null,null,null,0,0,"х","х"]
[null,35,"2028-03-08",6336.3401734986464,4313.5470831110497,null,null,255.29309038759689,1767.5000000000002,0,6336.3401734986464,4439.3588730351303,null,null,null,null,0,0,"х","х"]
[null,36,"2028-04-08",6336.3401734986464,4439.3588730351221,null,null,129.48130046352463,1767.5000000000002,0,6336.3401734986464,8.1854523159563541E-12,null,null,null,null,0,0,"х","х"]
[null,37,"2028-05-08",0,-2.3874235921539367E-13,null,null,2.3874235921539367E-13,0,0,0,8.4241946751717472E-12,null,null,null,null,0,0,"х","х"]
[null,38,"2028-06-08",0,-2.4570567802584258E-13,null,null,2.4570567802584258E-13,0,0,0,8.6699003531975893E-12,null,null,null,null,0,0,"х","х"]
[null,39,"2028-07-08",0,-2.5287209363492966E-13,null,null,2.5287209363492966E-13,0,0,0,8.9227724468325196E-12,null,null,null,null,0,0,"х","х"]
[null,40,"2028-08-08",0,-2.6024752969928178E-13,null,null,2.6024752969928178E-13,0,0,0,9.1830199765318013E-12,null,null,null,null,0,0,"х","х"]
[null,41,"2028-09-08",0,-2.6783808264884416E-13,null,null,2.6783808264884416E-13,0,0,0,9.4508580591806463E-12,null,null,null,null,0,0,"х","х"]
[null,42,"2028-10-08",0,-2.7565002672610219E-13,null,null,2.7565002672610219E-13,0,0,0,9.7265080859067492E-12,null,null,null,null,0,0,"х","х"]
[null,43,"2028-11-08",0,-2.8368981917228017E-13,null,null,2.8368981917228017E-13,0,0,0,1.0010197905079029E-11,null,null,null,null,0,0,"х","х"]
[null,44,"2028-12-08",0,-2.9196410556480496E-13,null,null,2.9196410556480496E-13,0,0,0,1.0302162010643834E-11,null,null,null,null,0,0,"х","х"]
[null,45,"2029-01-08",0,-3.0047972531044511E-13,null,null,3.0047972531044511E-13,0,0,0,1.0602641735954278E-11,null,null,null,null,0,0,"х","х"]
[null,46,"2029-02-08",0,-3.0924371729866646E-13,null,null,3.0924371729866646E-13,0,0,0,1.0911885453252945E-11,null,null,null,null,0,0,"х","х"]
[null,47,"2029-03-08",0,-3.1826332571987756E-13,null,null,3.1826332571987756E-13,0,0,0,1.1230148778972822E-11,null,null,null,null,0,0,"х","х"]
[null,48,"2029-04-08",0,-3.2754600605337398E-13,null,null,3.2754600605337398E-13,0,0,0,1.1557694785026196E-11,null,null,null,null,0,0,"х","х"]
[null,"Усього:",null,{"$f":"SUM(D37:D84)","v":228108.24624595113},100999.99999999997,null,null,{"$f":"SUM(H37:H72)","v":63478.246245951297},{"$f":"SUM(I37:I84)","v":63630.000000000007},0,228108.24624595113,null,null,null,null,null,0,0,{"$f":"E29","v":0.85593589544296278},{"$f":"E31","v":228108.24624595113}]
[]
[null,null,"Абсолютне значення подорожчання кредиту",null,null,null,null,null,null,null,{"$f":"D85-E11+E12+J85","v":127108.24624595113}]
[null,null,null,null,"Реальна процентна ставка",null,null,null,null,null,{"$f":"XIRR(D36:D84,C36:C84)","v":0.85593589544296278}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"K87/E11","v":1.2584974875836745}]

{"sheet":"Калькулятор","index":2,"n_rows":101,"n_cols":21,"rows_kept":101,"cut":false,"hidden":false,"merged":[[2,1,2,5],[3,1,3,5],[12,1,12,5],[13,1,13,5],[62,1,62,2],[61,1,61,2],[60,1,60,2],[46,1,46,2],[45,1,45,2],[44,1,44,2],[40,1,40,2],[39,1,39,2],[38,1,38,2],[24,1,24,2],[25,1,25,2],[43,1,43,2],[42,1,42,2],[66,1,66,2],[55,1,55,2],[54,1,54,2],[65,1,65,2],[47,1,47,2],[96,1,96,2],[53,1,53,2],[83,1,83,2],[82,1,82,2],[81,1,81,2],[80,1,80,2],[79,1,79,2],[78,1,78,2],[59,1,59,2],[58,1,58,2],[57,1,57,2],[56,1,56,2],[77,1,77,2],[76,1,76,2],[75,1,75,2],[74,1,74,2],[73,1,73,2],[72,1,72,2],[71,1,71,2],[70,1,70,2],[69,1,69,2],[68,1,68,2],[67,1,67,2],[64,1,64,2],[63,1,63,2],[48,1,48,2],[36,1,36,2],[35,1,35,2],[33,1,34,2],[33,0,34,0],[33,13,34,13],[33,6,34,6],[33,5,34,5],[33,4,34,4],[33,3,34,3],[33,12,34,12],[33,7,34,7],[33,11,34,11],[33,8,34,8],[33,9,34,9],[1,1,1,5],[33,10,34,10],[98,1,98,6],[99,3,99,6],[16,1,16,2],[27,1,27,2],[18,1,18,2],[28,1,28,2],[29,1,29,2],[30,1,30,2],[41,1,41,2],[52,1,52,2],[51,1,51,2],[50,1,50,2],[49,1,49,2],[37,1,37,2],[84,1,84,2],[85,1,85,2],[86,1,86,2],[87,1,87,2],[88,1,88,2],[94,1,94,2],[95,1,95,2],[89,1,89,2],[90,1,90,2],[91,1,91,2],[92,1,92,2],[93,1,93,2]]}
[]
[null,"Калькулятор розрахунку загальної вартості кредиту*"]
[null,"*Приклад розрахунку носить виключно інформаційний характер  "]
[null,"Для отримання розрахунку необхідно заповнити поля, що відображені сірим кольором."]
[]
[null,"Сума кредиту від  300 000 до 1 000 000",null,300000]
[null,"Перший внесок",null,0]
[]
[null,"Строк кредитування",null,36]
[]
[null,"Одноразова комісія",null,1.9E-2,{"$f":"(D6-D7)*D11","v":5700},"гривень"]
[]
[null,"Результат розрахунку*",null,null,null,null,null,null,null,null,null,null,null,6,12,24,30,36,42,48,60]
[null,"*Орієнтовно на дату розрахунку, конкретні умови кредитування будуть вказані в паспорті споживчого кредиту в день оформлення кредитної заявки",null,null,null,null,null,null,null,null,{"$f":"D6*E17/12","v":7250}]
[]
[null,null,null,null,"Процентна ставка",null,"Сума щомісячної комісії"]
[null,"Щомісячна комісія",null,0,0.28999999999999998,null,{"$f":"ROUND(F17*D6,0)","v":0},"гривень"]
[null,"Грейс період 2",null,0,1E-4,2.9899999999999999E-2,{"$f":"ROUND(F18*D6,0)","v":8970},"гривень"]
[null,"Щомісячна комісія в 2й період ",null,0,0.28999999999999998,0,{"$f":"ROUND(F19*D6,0)","v":0},"гривень"]
[null,"Страхування ",null,0,{"$f":"(D6-D7+(D6-D7)*D11+D6*D21*D9+D6*D22)*D20*D9","v":0},"гривень"]
[null,"Страхування 2",null,0,{"$f":"D6*D21*D9","v":0},"гривень"]
[null,"Страхування 3",null,0,{"$f":"D6*D22","v":0},"гривень"]
[null,null,null,null,null,null,null,null,{"$f":"IRR(D36:D52)*12","v":-0.49952383791961585}]
[]
[null,"Комісія за надання кредиту, %",null,{"$f":"D11","v":1.9E-2}]
[null,"Комісія за надання кредиту, грн.",null,{"$f":"E11","v":5700}]
[null,"Сума для зарахування на картку",null,{"$f":"D6-D26","v":294300}]
[null,"Сума  платежу за розрахунковий період, грн",null,{"$f":"ROUNDUP((D6+D17*G17+D18*G18+D19*G19-IF(D17=0,0,CUMIPMT(E17/12,D9,D6,1,D17,0))-IF(D18=0,0,CUMIPMT(E18/12,D9,D6,D17+1,D18+D17,0))-CUMIPMT(E19/12,D9,D6,IF(AND(D17=0,D18=0),1,D17+D18),D9,0))/D9,0)+E28","v":12572}]
[null,"Реальна річна ставка, %",null,{"$f":"H100","v":0.35088177323341374}]
[null,"Загальні витрати за кредитом, грн",null,{"$f":"F97+G97+J97","v":158275.92785833331}]
[null,"Загальна вартість кредиту, грн",null,{"$f":"D30+D6","v":458275.92785833334}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DAYS360(B37,B36)","v":-30}]
[]
["№","Дата платежу",null,"Сума  платежу за розрахунковий період, грн.","Погашення суми кредиту, грн.","Проценти за користування кредитом, грн.","Щомісячна комісія, грн.","РКО",null,"Комісія за надання кредиту","Заборгованість","Послуги страховика, грн.","Реальна річна процентна ставка","Загальна вартісь кредиту, грн"]
[]
[null,{"$f":"TODAY()","v":"2025-04-08"},null,{"$f":"-(D6-D26)","v":-294300},{"$f":"D6","v":300000},"Х","Х",null,{"$f":"-(D6-D7)","v":-300000},{"$f":"E11","v":5700},null,0,"х","х"]
[1,{"$f":"DATE(YEAR(B36),MONTH(B36)+1,DAY(B36))","v":"2025-05-08"},null,{"$f":"IF(A37<=$D$9,$D$28,0)","v":12572},{"$f":"D37-F37-G37","v":5322},{"$f":"IF(AND(A37<>\"\",A37<=$D$17,$D$17<>0),ROUND($D$6*DAYS360(B36,B37,1)*($E$17/360),2),IF(AND(A37<>\"\",A37<=$D$17+$D$18,$D$17<>0,$D$18<>0),ROUND($D$6*DAYS360(B36,B37,1)*($E$18/360),2),ROUND($D$6*$E$19*30/(360),2)))","v":7250},{"$f":"IF(AND(A37<>\"\",A37<=$D$17),$G$17,IF(AND(A37<>\"\",A37<=$D$17+$D$18),$G$18,IF(A37<>\"\",$G$19,\"\")))","v":0},{"$f":"IF(A37<>\"\",D37*$H$33,\"\")","v":0},{"$f":"IF(A37<>\"\",H37+D37,\"\")","v":12572},0,{"$f":"IF(A37<>\"\",ROUND(D6-E37,2),0)","v":294678},0,"х","х"]
[{"$f":"IF(A37<$D$9,A37+1,\"\")","v":2},"2025-06-08",null,12572,{"$f":"IF(A39<>\"\",D38-F38-G38,IF(A38<>\"\",K37,0))","v":5450.6150000000007},{"$f":"IF(K37>0,K37*$E$17/12,0)","v":7121.3849999999993},{"$f":"IF(AND(A38<>\"\",A38<=$D$17),$G$17,IF(AND(A38<>\"\",A38<=$D$17+$D$18),$G$18,IF(A38<>\"\",$G$19,\"\")))","v":0},0,12572,0,{"$f":"IF(A38<>\"\",ROUND(K37-E38,2),0)","v":289227.39},0,"х","х"]
[3,"2025-07-08",null,12572,{"$f":"IF(A40<>\"\",D39-F39-G39,IF(A39<>\"\",K38,0))","v":5582.3380749999997},{"$f":"IF(K38>0,K38*$E$17/12,0)","v":6989.6619250000003},{"$f":"IF(AND(A39<>\"\",A39<=$D$17),$G$17,IF(AND(A39<>\"\",A39<=$D$17+$D$18),$G$18,IF(A39<>\"\",$G$19,\"\")))","v":0},0,12572,0,{"$f":"IF(A39<>\"\",ROUND(K38-E39,2),0)","v":283645.05},0,"х","х"]
[4,"2025-08-08",null,12572,5717.2446250000003,6854.7553749999997,{"$f":"IF(AND(A40<>\"\",A40<=$D$17),$G$17,IF(AND(A40<>\"\",A40<=$D$17+$D$18),$G$18,IF(A40<>\"\",$G$19,\"\")))","v":0},0,12572,0,277927.81,0,"х","х"]
[5,"2025-09-08",null,12572,{"$f":"IF(A42<>\"\",D41-F41-G41,IF(A41<>\"\",K40,0))","v":5855.4112583333335},6716.5887416666665,{"$f":"IF(A41<=$D$9,$G$19,0)","v":0},0,12572,0,272072.40000000002,0,"х","х"]
[6,"2025-10-08",null,12572,{"$f":"IF(A43<>\"\",D42-F42-G42,IF(A42<>\"\",K41,0))","v":5996.9170000000004},6575.0829999999996,{"$f":"IF(A42<=$D$9,$G$19,0)","v":0},0,12572,0,266075.48,0,"х","х"]
[7,"2025-11-08",null,12572,6141.8425666666672,6430.1574333333328,0,0,12572,0,259933.64,0,"х","х"]
[8,"2025-12-08",null,12572,6290.2703666666666,6281.7296333333334,0,0,12572,0,253643.37,0,"х","х"]
[9,"2026-01-08",null,12572,6442.2852250000005,6129.7147749999995,0,0,12572,0,247201.08,0,"х","х"]
[10,"2026-02-08",null,12572,6597.9739000000009,5974.0260999999991,0,0,12572,0,240603.11,0,"х","х"]
[11,"2026-03-08",null,12572,6757.4248416666669,5814.5751583333331,0,0,12572,0,233845.69,0,"х","х"]
[12,"2026-04-08",null,12572,6920.7291583333345,5651.2708416666655,0,0,12572,0,226924.96,0,"х","х"]
[13,"2026-05-08",null,12572,7087.9801333333344,5484.0198666666656,0,0,12572,0,219836.98,0,"х","х"]
[14,"2026-06-08",null,12572,7259.2729833333333,5312.7270166666667,0,0,12572,0,212577.71,0,"х","х"]
[15,"2026-07-08",null,12572,7434.7053416666668,5137.2946583333332,0,0,12572,0,205143,0,"х","х"]
[16,"2026-08-08",null,12572,7614.3775000000005,4957.6224999999995,0,0,12572,0,197528.62,0,"х","х"]
[17,"2026-09-08",null,12572,7798.3916833333342,4773.6083166666658,0,0,12572,0,189730.23,0,"х","х"]
[18,"2026-10-08",null,12572,7986.8527750000003,4585.1472249999997,0,0,12572,0,181743.38,0,"х","х"]
[19,"2026-11-08",null,12572,8179.8683166666669,4392.1316833333331,0,0,12572,0,173563.51,0,"х","х"]
[20,"2026-12-08",null,12572,8377.5485083333333,4194.4514916666667,0,0,12572,0,165185.96,0,"х","х"]
[21,"2027-01-08",null,12572,8580.0059666666675,3991.9940333333329,0,0,12572,0,156605.95000000001,0,"х","х"]
[22,"2027-02-08",null,12572,8787.3562083333327,3784.6437916666669,0,0,12572,0,147818.59,0,"х","х"]
[23,"2027-03-08",null,12572,8999.7174083333339,3572.2825916666661,0,0,12572,0,138818.87,0,"х","х"]
[24,"2027-04-08",null,12572,9217.2106416666666,{"$f":"IF(K59>0,K59*$E$17/12,0)","v":3354.789358333333},0,0,12572,0,129601.66,0,"х","х"]
[25,"2027-05-08",null,12572,9439.959883333333,3132.0401166666666,0,0,12572,0,120161.7,0,"х","х"]
[26,"2027-06-08",null,12572,9668.0922499999997,2903.9077499999999,0,0,12572,0,110493.61,0,"х","х"]
[27,"2027-07-08",null,12572,9901.7377583333327,2670.2622416666668,0,0,12572,0,100591.87,0,"х","х"]
[28,"2027-08-08",null,12572,10141.029808333333,2430.9701916666663,0,0,12572,0,90450.84,0,"х","х"]
[29,"2027-09-08",null,12572,10386.1047,2185.8952999999997,0,0,12572,0,80064.740000000005,0,"х","х"]
[30,"2027-10-08",null,12572,10637.102116666667,1934.8978833333333,0,0,12572,0,69427.64,0,"х","х"]
[31,"2027-11-08",null,12572,10894.165366666666,1677.8346333333332,0,0,12572,0,58533.47,0,"х","х"]
[32,"2027-12-08",null,12572,11157.441141666666,1414.5588583333331,0,0,12572,0,47376.03,0,"х","х"]
[33,"2028-01-08",null,12572,11427.079275,1144.9207249999999,0,{"$f":"IF(A69<>\"\",D69*$H$33,\"\")","v":0},{"$f":"IF(A69<>\"\",H69+D69,\"\")","v":12572},0,35948.949999999997,0,"х","х"]
[34,"2028-02-08",null,12572,11703.233708333333,868.76629166666646,0,0,12572,0,24245.72,0,"х","х"]
[35,"2028-03-08",null,12572,11986.061766666666,585.9382333333333,0,0,12572,0,12259.66,0,"х","х"]
[36,"2028-04-08",null,12572,12259.66,296.27511666666663,0,0,12572,0,0,0,"х","х"]
["","2028-05-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2028-06-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2028-07-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2028-08-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2028-09-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2028-10-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2028-11-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2028-12-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-01-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-02-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-03-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-04-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-05-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-06-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-07-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-08-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-09-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-10-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-11-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2029-12-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2030-01-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2030-02-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2030-03-08",null,0,0,0,0,"","",0,0,0,"х","х"]
["","2030-04-08",null,0,0,0,0,"","",0,0,0,"х","х"]
[{"$f":"IF(A96<$D$9,A84+1,\"\")","v":""},"Усього",null,{"$f":"SUM(D37:D96)","v":452592},{"$f":"SUM(E37:E96)","v":300000.00725833327},{"$f":"SUM(F37:F96)","v":152575.92785833331},{"$f":"SUM(G22:G96)","v":0},"","",{"$f":"J36","v":5700},{"$f":"IF(A97<>\"\",ROUND(K84-E97,2),\"\")","v":""},0,{"$f":"D29","v":0.35088177323341374},{"$f":"D31","v":458275.92785833334}]
[]
[null,"Абсолютне значення подорожчання кредиту",null,null,null,null,null,{"$f":"#REF!-D6+D7+#REF!","v":{"$error":"#REF!"}}]
[null,null,null,"Реальна процентна ставка",null,null,null,{"$f":"XIRR(D36:D96,B36:B96)","v":0.35088177323341374},{"$f":"XIRR(I36:I60,B36:B60)","v":5.5271655321121223E-3}]
[null,null,null,null,null,null,null,{"$f":"H99/D6","v":{"$error":"#REF!"}}]

{"sheet":"3,4","index":3,"n_rows":87,"n_cols":10,"rows_kept":87,"cut":false,"hidden":true,"merged":[[19,8,20,8],[84,1,84,5],[85,2,85,5],[19,0,20,0],[19,1,20,1],[19,2,20,2],[19,3,20,3],[19,4,20,4],[19,5,20,5]]}
[]
[null,"Сума кредиту від  5000 до 150 000",{"$f":"Калькулятор!D6","v":300000},"гривень"]
[null,"Перший внесок",0,"гривень"]
[]
[null,"Строк кредитування",{"$f":"Калькулятор!D9","v":36},"місяців",null,null,null,null,null,{"$f":"IF(AND(E11>=5000,E11<50000),R15,IF(AND(E11>=50000,E11<=100000),T15,IF(AND(E11>=100000,E11<200000),V15,IF(AND(E11>=200000,E11<=300000),X15,0))))","v":0}]
[]
[null,"Одноразова комісія",0,{"$f":"(C2-C3)*C7","v":0},"гривень"]
[]
[null,null,"Строк грейсу","Процентна ставка","Щомісячна комісія","Сума щомісячної комісії"]
[null,"Щомісячна комісія в 1й період ",4,1E-4,0,{"$f":"ROUND(E10*C17,0)","v":0},"гривень",null,null,{"$f":"SUM(E23:F42)","v":163232.66}]
[null,"Грейс період 2",0,1E-4,0,{"$f":"ROUND(E11*C17,0)","v":0},"гривень"]
[null,"Щомісячна комісія в 2й період ",{"$f":"C5-C11-C10","v":32},1E-4,3.4000000000000002E-2,{"$f":"ROUND(E12*C17,0)","v":10200},"гривень"]
[null,"Страхування ",0,{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*C13*C5","v":0},"гривень"]
[null,"Страхування 2",0,{"$f":"C2*C14*C5","v":0},"гривень"]
[null,"Страхування 3",0,{"$f":"C2*C15","v":0},"гривень"]
[null,null,null,null,null,null,null,{"$f":"IRR(C22:C38)*12","v":-0.10374791636155578}]
[null,"Сума кредиту",{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*(1+C13*C5)","v":300000}]
[null,"Сума ануїтету",{"$f":"ROUNDUP((C17+C10*F10+C11*F11+C12*F12-IF(C10=0,0,CUMIPMT(D10/12,C5,C17,1,C10,0))-IF(C11=0,0,CUMIPMT(D11/12,C5,C17,C10+1,C11+C10,0))-CUMIPMT(D12/12,C5,C17,IF(AND(C10=0,C11=0),1,C10+C11),C5,0))/C5,0)+D18","v":17402},0]
[null,null,null,null,null,null,0]
["№","Дата","Сума внеску","Кредит","Проценти","Комісія","РКО",null,"Заборгованість"]
[]
[null,"2013-04-15",{"$f":"-(C2-C3)","v":-300000},null,null,null,null,{"$f":"-(C2-C3)","v":-300000},null,{"$f":"DAYS360(B23,B22)","v":-30}]
[1,"2013-05-15",{"$f":"IF(A24<>\"\",ROUNDUP($C$18,0),IF(A23<>\"\",D23+E23+F23,\"\"))","v":17402},{"$f":"C23-E23-F23","v":17399.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10,$C$10<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$10/360),2),IF(AND(A23<>\"\",A23<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$11/360),2),ROUND($C$17*$D$12*30/(360),2)))","v":2.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10),$F$10,IF(AND(A23<>\"\",A23<=$C$10+$C$11),$F$11,IF(A23<>\"\",$F$12,\"\")))","v":0},{"$f":"IF(A23<>\"\",C23*$G$19,\"\")","v":0},{"$f":"IF(A23<>\"\",G23+C23,\"\")","v":17402},{"$f":"IF(A23<>\"\",ROUND(C17-D23,2),\"\")","v":282600.5}]
[{"$f":"IF(A23<$C$5,A23+1,\"\")","v":2},{"$f":"IF(A24<>\"\",DATE(YEAR(B23),MONTH(B23)+1,DAY(B23)),\"\")","v":"2013-06-15"},17402,{"$f":"IF(A25<>\"\",C24-E24-F24,IF(A24<>\"\",I23,\"\"))","v":17399.64},{"$f":"IF(AND(A24<>\"\",A24<=$C$10,$C$10<>0),ROUND(I23*$D$10*30/(360),2),IF(AND(A24<>\"\",A24<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I23*$D$11*30/(360),2),IF(A24=\"\",\"\",ROUND(I23*$D$12*30/(360),2))))","v":2.36},0,0,17402,{"$f":"IF(A24<>\"\",ROUND(I23-D24,2),\"\")","v":265200.86}]
[3,"2013-07-15",17402,17399.79,{"$f":"IF(AND(A25<>\"\",A25<=$C$10,$C$10<>0),ROUND(I24*$D$10*30/(360),2),IF(AND(A25<>\"\",A25<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I24*$D$11*30/(360),2),IF(A25=\"\",\"\",ROUND(I24*$D$12*30/(360),2))))","v":2.21},0,0,17402,247801.07]
[4,"2013-08-15",17402,17399.93,2.0699999999999998,0,0,17402,230401.14]
[5,"2013-09-15",17402,7200.0800000000017,1.92,10200,0,17402,223201.06]
[6,"2013-10-15",17402,7200.1399999999994,1.86,10200,0,17402,216000.92]
[7,"2013-11-15",17402,7200.2000000000007,1.8,10200,0,17402,208800.72]
[8,"2013-12-15",17402,7200.2599999999984,1.74,10200,0,17402,201600.46]
[9,"2014-01-15",17402,7200.32,1.68,10200,0,17402,194400.14]
[10,"2014-02-15",17402,7200.380000000001,1.62,10200,0,17402,187199.76]
[11,"2014-03-15",17402,7200.4399999999987,1.56,10200,0,17402,179999.32]
[12,"2014-04-15",17402,7200.5,1.5,10200,0,17402,172798.82]
[13,"2014-05-15",17402,7200.5600000000013,1.44,10200,0,17402,165598.26]
[14,"2014-06-15",17402,7200.619999999999,1.38,10200,0,17402,158397.64000000001]
[15,"2014-07-15",17402,7200.68,1.32,10200,0,17402,151196.96]
[16,"2014-08-15",17402,7200.7400000000016,1.26,10200,0,17402,143996.22]
[17,"2014-09-15",17402,7200.7999999999993,1.2,10200,0,17402,136795.42000000001]
[18,"2014-10-15",17402,7200.8600000000006,1.1399999999999999,10200,0,17402,129594.56]
[19,"2014-11-15",17402,7200.9199999999983,1.08,10200,0,17402,122393.64]
[20,"2014-12-15",17402,7200.98,1.02,10200,0,17402,115192.66]
[21,"2015-01-15",17402,7201.0400000000009,0.96,10200,0,17402,107991.62]
[22,"2015-02-15",17402,7201.0999999999985,0.9,10200,0,17402,100790.52]
[23,"2015-03-15",17402,7201.16,0.84,10200,0,17402,93589.36]
[24,"2015-04-15",17402,7201.2200000000012,0.78,10200,0,17402,86388.14]
[25,"2015-05-15",17402,7201.2799999999988,0.72,10200,0,17402,79186.86]
[26,"2015-06-15",17402,7201.34,0.66,10200,0,17402,71985.52]
[27,"2015-07-15",17402,7201.4000000000015,0.6,10200,0,17402,64784.12]
[28,"2015-08-15",17402,7201.4599999999991,0.54,10200,0,17402,57582.66]
[29,"2015-09-15",17402,7201.52,0.48,10200,0,17402,50381.14]
[30,"2015-10-15",17402,7201.5800000000017,0.42,10200,0,17402,43179.56]
[31,"2015-11-15",17402,7201.6399999999994,0.36,10200,0,17402,35977.919999999998]
[32,"2015-12-15",17402,7201.7000000000007,0.3,10200,0,17402,28776.22]
[33,"2016-01-15",17402,7201.7599999999984,0.24,10200,0,17402,21574.46]
[34,"2016-02-15",17402,7201.82,0.18,10200,0,17402,14372.64]
[35,"2016-03-15",17402,7201.880000000001,0.12,10200,0,17402,7170.76]
[36,"2016-04-15",17370.82,7170.76,{"$f":"IF(AND(A58<>\"\",A58<=$C$10,$C$10<>0),ROUND(I57*$D$10*30/(360),2),IF(AND(A58<>\"\",A58<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I57*$D$11*30/(360),2),IF(A58=\"\",\"\",ROUND(I57*$D$12*30/(360),2))))","v":0.06},{"$f":"IF(AND(A58<>\"\",A58<=$C$10),$F$10,IF(AND(A58<>\"\",A58<=$C$10+$C$11),$F$11,IF(A58<>\"\",$F$12,\"\")))","v":10200},0,17370.82,0]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","",{"$f":"IF(AND(A66<>\"\",A66<=$C$10),ROUND(I65*$D$10*30/(360),2),IF(AND(A66<>\"\",A66<=$C$10+$C$11),ROUND(I65*$D$11*30/(360),2),IF(A66<>\"\",ROUND(I65*$D$12*30/(360),2),\"\")))","v":""},"","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","",{"$f":"SUM(D82:F82)","v":0},{"$f":"I81","v":""},"","","","",""]
[null,"Всього:",{"$f":"SUM(C23:C82)","v":626440.81999999995},{"$f":"SUM(D23:D82)","v":300000},{"$f":"SUM(E23:E58)","v":40.82},{"$f":"SUM(F23:F82)","v":326400},{"$f":"SUM(G23:G82)","v":0},{"$f":"SUM(H23:H82)","v":626440.81999999995}]
[]
[null,"Абсолютне значення подорожчання кредиту",null,null,null,null,{"$f":"C83-C2+C3+G83","v":326440.81999999995}]
[null,null,"Реальна процентна ставка",null,null,null,{"$f":"XIRR(C22:C38,B22:B38)","v":-9.8836272954940824E-2},{"$f":"XIRR(H22:H46,B22:B46)","v":0.39808949828147899}]
[null,null,null,null,null,null,{"$f":"G85/C2","v":1.0881360666666664}]

{"sheet":"3,25","index":4,"n_rows":87,"n_cols":10,"rows_kept":87,"cut":false,"hidden":true,"merged":[[19,8,20,8],[84,1,84,5],[85,2,85,5],[19,0,20,0],[19,1,20,1],[19,2,20,2],[19,3,20,3],[19,4,20,4],[19,5,20,5]]}
[]
[null,"Сума кредиту від  5000 до 150 000",{"$f":"Калькулятор!D6","v":300000},"гривень"]
[null,"Перший внесок",0,"гривень"]
[]
[null,"Строк кредитування",{"$f":"Калькулятор!D9","v":36},"місяців"]
[]
[null,"Одноразова комісія",0,{"$f":"(C2-C3)*C7","v":0},"гривень"]
[]
[null,null,"Строк грейсу","Процентна ставка","Щомісячна комісія","Сума щомісячної комісії"]
[null,"Щомісячна комісія в 1й період ",4,1E-4,0,{"$f":"ROUND(E10*C17,0)","v":0},"гривень",null,null,{"$f":"SUM(E23:F42)","v":156032.84}]
[null,"Грейс період 2",0,1E-4,0,{"$f":"ROUND(E11*C17,0)","v":0},"гривень"]
[null,"Щомісячна комісія в 2й період ",{"$f":"C5-C11-C10","v":32},1E-4,3.2500000000000001E-2,{"$f":"ROUND(E12*C17,0)","v":9750},"гривень"]
[null,"Страхування ",0,{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*C13*C5","v":0},"гривень"]
[null,"Страхування 2",0,{"$f":"C2*C14*C5","v":0},"гривень"]
[null,"Страхування 3",0,{"$f":"C2*C15","v":0},"гривень"]
[null,null,null,null,null,null,null,{"$f":"IRR(C22:C38)*12","v":-0.1354563222026961}]
[null,"Сума кредиту",{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*(1+C13*C5)","v":300000}]
[null,"Сума ануїтету",{"$f":"ROUNDUP((C17+C10*F10+C11*F11+C12*F12-IF(C10=0,0,CUMIPMT(D10/12,C5,C17,1,C10,0))-IF(C11=0,0,CUMIPMT(D11/12,C5,C17,C10+1,C11+C10,0))-CUMIPMT(D12/12,C5,C17,IF(AND(C10=0,C11=0),1,C10+C11),C5,0))/C5,0)+D18","v":17002},0]
[null,null,null,null,null,null,0]
["№","Дата","Сума внеску","Кредит","Проценти","Комісія","РКО",null,"Заборгованість"]
[]
[null,"2013-04-15",{"$f":"-(C2-C3)","v":-300000},null,null,null,null,{"$f":"-(C2-C3)","v":-300000},null,{"$f":"DAYS360(B23,B22)","v":-30}]
[1,"2013-05-15",{"$f":"IF(A24<>\"\",ROUNDUP($C$18,0),IF(A23<>\"\",D23+E23+F23,\"\"))","v":17002},{"$f":"C23-E23-F23","v":16999.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10,$C$10<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$10/360),2),IF(AND(A23<>\"\",A23<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$11/360),2),ROUND($C$17*$D$12*30/(360),2)))","v":2.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10),$F$10,IF(AND(A23<>\"\",A23<=$C$10+$C$11),$F$11,IF(A23<>\"\",$F$12,\"\")))","v":0},{"$f":"IF(A23<>\"\",C23*$G$19,\"\")","v":0},{"$f":"IF(A23<>\"\",G23+C23,\"\")","v":17002},{"$f":"IF(A23<>\"\",ROUND(C17-D23,2),\"\")","v":283000.5}]
[{"$f":"IF(A23<$C$5,A23+1,\"\")","v":2},{"$f":"IF(A24<>\"\",DATE(YEAR(B23),MONTH(B23)+1,DAY(B23)),\"\")","v":"2013-06-15"},17002,{"$f":"IF(A25<>\"\",C24-E24-F24,IF(A24<>\"\",I23,\"\"))","v":16999.64},{"$f":"IF(AND(A24<>\"\",A24<=$C$10,$C$10<>0),ROUND(I23*$D$10*30/(360),2),IF(AND(A24<>\"\",A24<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I23*$D$11*30/(360),2),IF(A24=\"\",\"\",ROUND(I23*$D$12*30/(360),2))))","v":2.36},0,0,17002,{"$f":"IF(A24<>\"\",ROUND(I23-D24,2),\"\")","v":266000.86}]
[3,"2013-07-15",17002,16999.78,{"$f":"IF(AND(A25<>\"\",A25<=$C$10,$C$10<>0),ROUND(I24*$D$10*30/(360),2),IF(AND(A25<>\"\",A25<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I24*$D$11*30/(360),2),IF(A25=\"\",\"\",ROUND(I24*$D$12*30/(360),2))))","v":2.2200000000000002},0,0,17002,249001.08]
[4,"2013-08-15",17002,16999.919999999998,2.08,0,0,17002,232001.16]
[5,"2013-09-15",17002,7250.07,1.93,9750,0,17002,224751.09]
[6,"2013-10-15",17002,7250.130000000001,1.87,9750,0,17002,217500.96]
[7,"2013-11-15",17002,7250.1899999999987,1.81,9750,0,17002,210250.77]
[8,"2013-12-15",17002,7250.25,1.75,9750,0,17002,203000.52]
[9,"2014-01-15",17002,7250.3100000000013,1.69,9750,0,17002,195750.21]
[10,"2014-02-15",17002,7250.369999999999,1.63,9750,0,17002,188499.84]
[11,"2014-03-15",17002,7250.43,1.57,9750,0,17002,181249.41]
[12,"2014-04-15",17002,7250.4900000000016,1.51,9750,0,17002,173998.92]
[13,"2014-05-15",17002,7250.5499999999993,1.45,9750,0,17002,166748.37]
[14,"2014-06-15",17002,7250.6100000000006,1.39,9750,0,17002,159497.76]
[15,"2014-07-15",17002,7250.6699999999983,1.33,9750,0,17002,152247.09]
[16,"2014-08-15",17002,7250.73,1.27,9750,0,17002,144996.35999999999]
[17,"2014-09-15",17002,7250.7900000000009,1.21,9750,0,17002,137745.57]
[18,"2014-10-15",17002,7250.8499999999985,1.1499999999999999,9750,0,17002,130494.72]
[19,"2014-11-15",17002,7250.91,1.0900000000000001,9750,0,17002,123243.81]
[20,"2014-12-15",17002,7250.9700000000012,1.03,9750,0,17002,115992.84]
[21,"2015-01-15",17002,7251.0299999999988,0.97,9750,0,17002,108741.81]
[22,"2015-02-15",17002,7251.09,0.91,9750,0,17002,101490.72]
[23,"2015-03-15",17002,7251.1500000000015,0.85,9750,0,17002,94239.57]
[24,"2015-04-15",17002,7251.2099999999991,0.79,9750,0,17002,86988.36]
[25,"2015-05-15",17002,7251.2799999999988,0.72,9750,0,17002,79737.08]
[26,"2015-06-15",17002,7251.34,0.66,9750,0,17002,72485.740000000005]
[27,"2015-07-15",17002,7251.4000000000015,0.6,9750,0,17002,65234.34]
[28,"2015-08-15",17002,7251.4599999999991,0.54,9750,0,17002,57982.879999999997]
[29,"2015-09-15",17002,7251.52,0.48,9750,0,17002,50731.360000000001]
[30,"2015-10-15",17002,7251.5800000000017,0.42,9750,0,17002,43479.78]
[31,"2015-11-15",17002,7251.6399999999994,0.36,9750,0,17002,36228.14]
[32,"2015-12-15",17002,7251.7000000000007,0.3,9750,0,17002,28976.44]
[33,"2016-01-15",17002,7251.7599999999984,0.24,9750,0,17002,21724.68]
[34,"2016-02-15",17002,7251.82,0.18,9750,0,17002,14472.86]
[35,"2016-03-15",17002,7251.880000000001,0.12,9750,0,17002,7220.98]
[36,"2016-04-15",16971.04,7220.98,{"$f":"IF(AND(A58<>\"\",A58<=$C$10,$C$10<>0),ROUND(I57*$D$10*30/(360),2),IF(AND(A58<>\"\",A58<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I57*$D$11*30/(360),2),IF(A58=\"\",\"\",ROUND(I57*$D$12*30/(360),2))))","v":0.06},{"$f":"IF(AND(A58<>\"\",A58<=$C$10),$F$10,IF(AND(A58<>\"\",A58<=$C$10+$C$11),$F$11,IF(A58<>\"\",$F$12,\"\")))","v":9750},0,16971.04,0]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","",{"$f":"IF(AND(A66<>\"\",A66<=$C$10),ROUND(I65*$D$10*30/(360),2),IF(AND(A66<>\"\",A66<=$C$10+$C$11),ROUND(I65*$D$11*30/(360),2),IF(A66<>\"\",ROUND(I65*$D$12*30/(360),2),\"\")))","v":""},"","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","",{"$f":"SUM(D82:F82)","v":0},{"$f":"I81","v":""},"","","","",""]
[null,"Всього:",{"$f":"SUM(C23:C82)","v":612041.04},{"$f":"SUM(D23:D82)","v":300000},{"$f":"SUM(E23:E58)","v":41.039999999999992},{"$f":"SUM(F23:F82)","v":312000},{"$f":"SUM(G23:G82)","v":0},{"$f":"SUM(H23:H82)","v":612041.04}]
[]
[null,"Абсолютне значення подорожчання кредиту",null,null,null,null,{"$f":"C83-C2+C3+G83","v":312041.04000000004}]
[null,null,"Реальна процентна ставка",null,null,null,{"$f":"XIRR(C22:C38,B22:B38)","v":-0.12720729894936081},{"$f":"XIRR(H22:H46,B22:B46)","v":0.36378918290138251}]
[null,null,null,null,null,null,{"$f":"G85/C2","v":1.0401368000000002}]

{"sheet":"3,05","index":5,"n_rows":87,"n_cols":10,"rows_kept":87,"cut":false,"hidden":true,"merged":[[19,8,20,8],[84,1,84,5],[85,2,85,5],[19,0,20,0],[19,1,20,1],[19,2,20,2],[19,3,20,3],[19,4,20,4],[19,5,20,5]]}
[]
[null,"Сума кредиту від  5000 до 150 000",{"$f":"Калькулятор!D6","v":300000},"гривень"]
[null,"Перший внесок",0,"гривень"]
[]
[null,"Строк кредитування",{"$f":"Калькулятор!D9","v":36},"місяців"]
[]
[null,"Одноразова комісія",0,{"$f":"(C2-C3)*C7","v":0},"гривень"]
[]
[null,null,"Строк грейсу","Процентна ставка","Щомісячна комісія","Сума щомісячної комісії"]
[null,"Щомісячна комісія в 1й період ",4,1E-4,0,{"$f":"ROUND(E10*C17,0)","v":0},"гривень",null,null,{"$f":"SUM(E23:F42)","v":146433.09}]
[null,"Грейс період 2",0,1E-4,0,{"$f":"ROUND(E11*C17,0)","v":0},"гривень"]
[null,"Щомісячна комісія в 2й період ",{"$f":"C5-C11-C10","v":32},1E-4,3.0499999999999999E-2,{"$f":"ROUND(E12*C17,0)","v":9150},"гривень"]
[null,"Страхування ",0,{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*C13*C5","v":0},"гривень"]
[null,"Страхування 2",0,{"$f":"C2*C14*C5","v":0},"гривень"]
[null,"Страхування 3",0,{"$f":"C2*C15","v":0},"гривень"]
[null,null,null,null,null,null,null,{"$f":"IRR(C22:C38)*12","v":-0.1784213909258523}]
[null,"Сума кредиту",{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*(1+C13*C5)","v":300000}]
[null,"Сума ануїтету",{"$f":"ROUNDUP((C17+C10*F10+C11*F11+C12*F12-IF(C10=0,0,CUMIPMT(D10/12,C5,C17,1,C10,0))-IF(C11=0,0,CUMIPMT(D11/12,C5,C17,C10+1,C11+C10,0))-CUMIPMT(D12/12,C5,C17,IF(AND(C10=0,C11=0),1,C10+C11),C5,0))/C5,0)+D18","v":16469},0]
[null,null,null,null,null,null,0]
["№","Дата","Сума внеску","Кредит","Проценти","Комісія","РКО",null,"Заборгованість"]
[]
[null,"2013-04-15",{"$f":"-(C2-C3)","v":-300000},null,null,null,null,{"$f":"-(C2-C3)","v":-300000},null,{"$f":"DAYS360(B23,B22)","v":-30}]
[1,"2013-05-15",{"$f":"IF(A24<>\"\",ROUNDUP($C$18,0),IF(A23<>\"\",D23+E23+F23,\"\"))","v":16469},{"$f":"C23-E23-F23","v":16466.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10,$C$10<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$10/360),2),IF(AND(A23<>\"\",A23<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$11/360),2),ROUND($C$17*$D$12*30/(360),2)))","v":2.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10),$F$10,IF(AND(A23<>\"\",A23<=$C$10+$C$11),$F$11,IF(A23<>\"\",$F$12,\"\")))","v":0},{"$f":"IF(A23<>\"\",C23*$G$19,\"\")","v":0},{"$f":"IF(A23<>\"\",G23+C23,\"\")","v":16469},{"$f":"IF(A23<>\"\",ROUND(C17-D23,2),\"\")","v":283533.5}]
[{"$f":"IF(A23<$C$5,A23+1,\"\")","v":2},{"$f":"IF(A24<>\"\",DATE(YEAR(B23),MONTH(B23)+1,DAY(B23)),\"\")","v":"2013-06-15"},16469,{"$f":"IF(A25<>\"\",C24-E24-F24,IF(A24<>\"\",I23,\"\"))","v":16466.64},{"$f":"IF(AND(A24<>\"\",A24<=$C$10,$C$10<>0),ROUND(I23*$D$10*30/(360),2),IF(AND(A24<>\"\",A24<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I23*$D$11*30/(360),2),IF(A24=\"\",\"\",ROUND(I23*$D$12*30/(360),2))))","v":2.36},0,0,16469,{"$f":"IF(A24<>\"\",ROUND(I23-D24,2),\"\")","v":267066.86}]
[3,"2013-07-15",16469,16466.77,{"$f":"IF(AND(A25<>\"\",A25<=$C$10,$C$10<>0),ROUND(I24*$D$10*30/(360),2),IF(AND(A25<>\"\",A25<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I24*$D$11*30/(360),2),IF(A25=\"\",\"\",ROUND(I24*$D$12*30/(360),2))))","v":2.23},0,0,16469,250600.09]
[4,"2013-08-15",16469,16466.91,2.09,0,0,16469,234133.18]
[5,"2013-09-15",16469,7317.0499999999993,1.95,9150,0,16469,226816.13]
[6,"2013-10-15",16469,7317.1100000000006,1.89,9150,0,16469,219499.02]
[7,"2013-11-15",16469,7317.1699999999983,1.83,9150,0,16469,212181.85]
[8,"2013-12-15",16469,7317.23,1.77,9150,0,16469,204864.62]
[9,"2014-01-15",16469,7317.2900000000009,1.71,9150,0,16469,197547.33]
[10,"2014-02-15",16469,7317.3499999999985,1.65,9150,0,16469,190229.98]
[11,"2014-03-15",16469,7317.41,1.59,9150,0,16469,182912.57]
[12,"2014-04-15",16469,7317.48,1.52,9150,0,16469,175595.09]
[13,"2014-05-15",16469,7317.5400000000009,1.46,9150,0,16469,168277.55]
[14,"2014-06-15",16469,7317.5999999999985,1.4,9150,0,16469,160959.95000000001]
[15,"2014-07-15",16469,7317.66,1.34,9150,0,16469,153642.29]
[16,"2014-08-15",16469,7317.7200000000012,1.28,9150,0,16469,146324.57]
[17,"2014-09-15",16469,7317.7799999999988,1.22,9150,0,16469,139006.79]
[18,"2014-10-15",16469,7317.84,1.1599999999999999,9150,0,16469,131688.95000000001]
[19,"2014-11-15",16469,7317.9000000000015,1.1000000000000001,9150,0,16469,124371.05]
[20,"2014-12-15",16469,7317.9599999999991,1.04,9150,0,16469,117053.09]
[21,"2015-01-15",16469,7318.02,0.98,9150,0,16469,109735.07]
[22,"2015-02-15",16469,7318.09,0.91,9150,0,16469,102416.98]
[23,"2015-03-15",16469,7318.1500000000015,0.85,9150,0,16469,95098.83]
[24,"2015-04-15",16469,7318.2099999999991,0.79,9150,0,16469,87780.62]
[25,"2015-05-15",16469,7318.27,0.73,9150,0,16469,80462.350000000006]
[26,"2015-06-15",16469,7318.3300000000017,0.67,9150,0,16469,73144.02]
[27,"2015-07-15",16469,7318.3899999999994,0.61,9150,0,16469,65825.63]
[28,"2015-08-15",16469,7318.4500000000007,0.55000000000000004,9150,0,16469,58507.18]
[29,"2015-09-15",16469,7318.5099999999984,0.49,9150,0,16469,51188.67]
[30,"2015-10-15",16469,7318.57,0.43,9150,0,16469,43870.1]
[31,"2015-11-15",16469,7318.630000000001,0.37,9150,0,16469,36551.47]
[32,"2015-12-15",16469,7318.7000000000007,0.3,9150,0,16469,29232.77]
[33,"2016-01-15",16469,7318.7599999999984,0.24,9150,0,16469,21914.01]
[34,"2016-02-15",16469,7318.82,0.18,9150,0,16469,14595.19]
[35,"2016-03-15",16469,7318.880000000001,0.12,9150,0,16469,7276.31]
[36,"2016-04-15",16426.370000000003,7276.31,{"$f":"IF(AND(A58<>\"\",A58<=$C$10,$C$10<>0),ROUND(I57*$D$10*30/(360),2),IF(AND(A58<>\"\",A58<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I57*$D$11*30/(360),2),IF(A58=\"\",\"\",ROUND(I57*$D$12*30/(360),2))))","v":0.06},{"$f":"IF(AND(A58<>\"\",A58<=$C$10),$F$10,IF(AND(A58<>\"\",A58<=$C$10+$C$11),$F$11,IF(A58<>\"\",$F$12,\"\")))","v":9150},0,16426.370000000003,0]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","",{"$f":"IF(AND(A66<>\"\",A66<=$C$10),ROUND(I65*$D$10*30/(360),2),IF(AND(A66<>\"\",A66<=$C$10+$C$11),ROUND(I65*$D$11*30/(360),2),IF(A66<>\"\",ROUND(I65*$D$12*30/(360),2),\"\")))","v":""},"","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","",{"$f":"SUM(D82:F82)","v":0},{"$f":"I81","v":""},"","","","",""]
[null,"Всього:",{"$f":"SUM(C23:C82)","v":592841.37},{"$f":"SUM(D23:D82)","v":300000.00000000006},{"$f":"SUM(E23:E58)","v":41.369999999999983},{"$f":"SUM(F23:F82)","v":292800},{"$f":"SUM(G23:G82)","v":0},{"$f":"SUM(H23:H82)","v":592841.37}]
[]
[null,"Абсолютне значення подорожчання кредиту",null,null,null,null,{"$f":"C83-C2+C3+G83","v":292841.37}]
[null,null,"Реальна процентна ставка",null,null,null,{"$f":"XIRR(C22:C38,B22:B38)","v":-0.16434553377330302},{"$f":"XIRR(H22:H46,B22:B46)","v":0.31862338185310368}]
[null,null,null,null,null,null,{"$f":"G85/C2","v":0.9761379}]

{"sheet":"2,7","index":6,"n_rows":87,"n_cols":10,"rows_kept":87,"cut":false,"hidden":true,"merged":[[19,8,20,8],[84,1,84,5],[85,2,85,5],[19,0,20,0],[19,1,20,1],[19,2,20,2],[19,3,20,3],[19,4,20,4],[19,5,20,5]]}
[]
[null,"Сума кредиту від  5000 до 150 000",{"$f":"Калькулятор!D6","v":300000},"гривень"]
[null,"Перший внесок",0,"гривень"]
[]
[null,"Строк кредитування",{"$f":"Калькулятор!D9","v":36},"місяців"]
[]
[null,"Одноразова комісія",0,{"$f":"(C2-C3)*C7","v":0},"гривень"]
[]
[null,null,"Строк грейсу","Процентна ставка","Щомісячна комісія","Сума щомісячної комісії"]
[null,"Щомісячна комісія в 1й період ",4,1E-4,0,{"$f":"ROUND(E10*C17,0)","v":0},"гривень",null,null,{"$f":"SUM(E23:F42)","v":129633.49999999999}]
[null,"Грейс період 2",0,1E-4,0,{"$f":"ROUND(E11*C17,0)","v":0},"гривень"]
[null,"Щомісячна комісія в 2й період ",{"$f":"C5-C11-C10","v":32},1E-4,2.7E-2,{"$f":"ROUND(E12*C17,0)","v":8100},"гривень"]
[null,"Страхування ",0,{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*C13*C5","v":0},"гривень"]
[null,"Страхування 2",0,{"$f":"C2*C14*C5","v":0},"гривень"]
[null,"Страхування 3",0,{"$f":"C2*C15","v":0},"гривень"]
[null,null,null,null,null,null,null,{"$f":"IRR(C22:C38)*12","v":-0.25582540526769071}]
[null,"Сума кредиту",{"$f":"(C2-C3+(C2-C3)*C7+C2*C14*C5+C2*C15)*(1+C13*C5)","v":300000}]
[null,"Сума ануїтету",{"$f":"ROUNDUP((C17+C10*F10+C11*F11+C12*F12-IF(C10=0,0,CUMIPMT(D10/12,C5,C17,1,C10,0))-IF(C11=0,0,CUMIPMT(D11/12,C5,C17,C10+1,C11+C10,0))-CUMIPMT(D12/12,C5,C17,IF(AND(C10=0,C11=0),1,C10+C11),C5,0))/C5,0)+D18","v":15535},0]
[null,null,null,null,null,null,0]
["№","Дата","Сума внеску","Кредит","Проценти","Комісія","РКО",null,"Заборгованість"]
[]
[null,"2013-04-15",{"$f":"-(C2-C3)","v":-300000},null,null,null,null,{"$f":"-(C2-C3)","v":-300000},null,{"$f":"DAYS360(B23,B22)","v":-30}]
[1,"2013-05-15",{"$f":"IF(A24<>\"\",ROUNDUP($C$18,0),IF(A23<>\"\",D23+E23+F23,\"\"))","v":15535},{"$f":"C23-E23-F23","v":15532.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10,$C$10<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$10/360),2),IF(AND(A23<>\"\",A23<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND($C$17*DAYS360(B22,B23,1)*($D$11/360),2),ROUND($C$17*$D$12*30/(360),2)))","v":2.5},{"$f":"IF(AND(A23<>\"\",A23<=$C$10),$F$10,IF(AND(A23<>\"\",A23<=$C$10+$C$11),$F$11,IF(A23<>\"\",$F$12,\"\")))","v":0},{"$f":"IF(A23<>\"\",C23*$G$19,\"\")","v":0},{"$f":"IF(A23<>\"\",G23+C23,\"\")","v":15535},{"$f":"IF(A23<>\"\",ROUND(C17-D23,2),\"\")","v":284467.5}]
[{"$f":"IF(A23<$C$5,A23+1,\"\")","v":2},{"$f":"IF(A24<>\"\",DATE(YEAR(B23),MONTH(B23)+1,DAY(B23)),\"\")","v":"2013-06-15"},15535,{"$f":"IF(A25<>\"\",C24-E24-F24,IF(A24<>\"\",I23,\"\"))","v":15532.63},{"$f":"IF(AND(A24<>\"\",A24<=$C$10,$C$10<>0),ROUND(I23*$D$10*30/(360),2),IF(AND(A24<>\"\",A24<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I23*$D$11*30/(360),2),IF(A24=\"\",\"\",ROUND(I23*$D$12*30/(360),2))))","v":2.37},0,0,15535,{"$f":"IF(A24<>\"\",ROUND(I23-D24,2),\"\")","v":268934.87}]
[3,"2013-07-15",15535,15532.76,{"$f":"IF(AND(A25<>\"\",A25<=$C$10,$C$10<>0),ROUND(I24*$D$10*30/(360),2),IF(AND(A25<>\"\",A25<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I24*$D$11*30/(360),2),IF(A25=\"\",\"\",ROUND(I24*$D$12*30/(360),2))))","v":2.2400000000000002},0,0,15535,253402.11]
[4,"2013-08-15",15535,15532.89,2.11,0,0,15535,237869.22]
[5,"2013-09-15",15535,7433.02,1.98,8100,0,15535,230436.2]
[6,"2013-10-15",15535,7433.08,1.92,8100,0,15535,223003.12]
[7,"2013-11-15",15535,7433.1399999999994,1.86,8100,0,15535,215569.98]
[8,"2013-12-15",15535,7433.2000000000007,1.8,8100,0,15535,208136.78]
[9,"2014-01-15",15535,7433.27,1.73,8100,0,15535,200703.51]
[10,"2014-02-15",15535,7433.33,1.67,8100,0,15535,193270.18]
[11,"2014-03-15",15535,7433.3899999999994,1.61,8100,0,15535,185836.79]
[12,"2014-04-15",15535,7433.4500000000007,1.55,8100,0,15535,178403.34]
[13,"2014-05-15",15535,7433.51,1.49,8100,0,15535,170969.83]
[14,"2014-06-15",15535,7433.58,1.42,8100,0,15535,163536.25]
[15,"2014-07-15",15535,7433.6399999999994,1.36,8100,0,15535,156102.60999999999]
[16,"2014-08-15",15535,7433.7000000000007,1.3,8100,0,15535,148668.91]
[17,"2014-09-15",15535,7433.76,1.24,8100,0,15535,141235.15]
[18,"2014-10-15",15535,7433.82,1.18,8100,0,15535,133801.32999999999]
[19,"2014-11-15",15535,7433.8799999999992,1.1200000000000001,8100,0,15535,126367.45]
[20,"2014-12-15",15535,7433.9500000000007,1.05,8100,0,15535,118933.5]
[21,"2015-01-15",15535,7434.01,0.99,8100,0,15535,111499.49]
[22,"2015-02-15",15535,7434.07,0.93,8100,0,15535,104065.42]
[23,"2015-03-15",15535,7434.1299999999992,0.87,8100,0,15535,96631.29]
[24,"2015-04-15",15535,7434.1900000000005,0.81,8100,0,15535,89197.1]
[25,"2015-05-15",15535,7434.26,0.74,8100,0,15535,81762.84]
[26,"2015-06-15",15535,7434.32,0.68,8100,0,15535,74328.52]
[27,"2015-07-15",15535,7434.3799999999992,0.62,8100,0,15535,66894.14]
[28,"2015-08-15",15535,7434.4400000000005,0.56000000000000005,8100,0,15535,59459.7]
[29,"2015-09-15",15535,7434.5,0.5,8100,0,15535,52025.2]
[30,"2015-10-15",15535,7434.57,0.43,8100,0,15535,44590.63]
[31,"2015-11-15",15535,7434.6299999999992,0.37,8100,0,15535,37156]
[32,"2015-12-15",15535,7434.6900000000005,0.31,8100,0,15535,29721.31]
[33,"2016-01-15",15535,7434.75,0.25,8100,0,15535,22286.560000000001]
[34,"2016-02-15",15535,7434.8099999999995,0.19,8100,0,15535,14851.75]
[35,"2016-03-15",15535,7434.8799999999992,0.12,8100,0,15535,7416.87]
[36,"2016-04-15",15516.93,7416.87,{"$f":"IF(AND(A58<>\"\",A58<=$C$10,$C$10<>0),ROUND(I57*$D$10*30/(360),2),IF(AND(A58<>\"\",A58<=$C$10+$C$11,$C$10<>0,$C$11<>0),ROUND(I57*$D$11*30/(360),2),IF(A58=\"\",\"\",ROUND(I57*$D$12*30/(360),2))))","v":0.06},{"$f":"IF(AND(A58<>\"\",A58<=$C$10),$F$10,IF(AND(A58<>\"\",A58<=$C$10+$C$11),$F$11,IF(A58<>\"\",$F$12,\"\")))","v":8100},0,15516.93,0]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","",{"$f":"IF(AND(A66<>\"\",A66<=$C$10),ROUND(I65*$D$10*30/(360),2),IF(AND(A66<>\"\",A66<=$C$10+$C$11),ROUND(I65*$D$11*30/(360),2),IF(A66<>\"\",ROUND(I65*$D$12*30/(360),2),\"\")))","v":""},"","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","","","","","","","",""]
["","",{"$f":"SUM(D82:F82)","v":0},{"$f":"I81","v":""},"","","","",""]
[null,"Всього:",{"$f":"SUM(C23:C82)","v":559241.93000000005},{"$f":"SUM(D23:D82)","v":300000.00000000012},{"$f":"SUM(E23:E58)","v":41.929999999999993},{"$f":"SUM(F23:F82)","v":259200},{"$f":"SUM(G23:G82)","v":0},{"$f":"SUM(H23:H82)","v":559241.93000000005}]
[]
[null,"Абсолютне значення подорожчання кредиту",null,null,null,null,{"$f":"C83-C2+C3+G83","v":259241.93000000005}]
[null,null,"Реальна процентна ставка",null,null,null,{"$f":"XIRR(C22:C38,B22:B38)","v":-0.22762138918042185},{"$f":"XIRR(H22:H46,B22:B46)","v":0.24091592431068418}]
[null,null,null,null,null,null,{"$f":"G85/C2","v":0.86413976666666681}]