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{"sheet":"Loan Serviceability Worksheet","index":0,"n_rows":170,"n_cols":12,"rows_kept":170,"cut":false,"hidden":false,"merged":[[139,5,139,7],[82,3,82,5],[82,7,82,9],[107,2,107,9],[169,2,172,11],[2,2,3,9],[30,3,30,5],[32,3,32,5],[34,3,34,5],[36,3,36,5],[29,3,29,5],[13,2,13,9],[58,3,58,5],[60,3,60,5],[62,3,62,5],[64,3,64,5],[66,3,66,5]]}
[]
[]
[null,null,"Loan Serviceability Calculator v2.2"]
[]
[]
[null,null,"Applicant/s details","Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[]
[null,null,"Applicant Name/s"]
[]
[null,null,"Status (Couple or Single)"]
[]
[null,null,"New BankVic Loan Structure",null,null,null,null,"Select  a number of New Loans →"]
[]
[null,null,"Floor rate 7.25% or Interest rate plus 3.00% is used for calculating Loan Repayments"]
[]
[null,null,null,"Loan Amount\n(inc. Redraw)",null,"Loan Terms (months)\n(For I/O, Enter remaining term after I/O expiry)",null,"Interest Rate %\n(For Fixed & I/O \nEnter Revert Rate)",null,"Assessment Repayments (monthly)",null,"Actual Loan Repayments (monthly)"]
[]
[null,null,"Loan 1",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H18+3%<7.25%,7.25%,H18+3%))/12,F18,D18,0)+1),\"\")","v":""},null,{"$f":"IFERROR(INT(-PMT(H18/12,F18,D18,0)+1),\"\")","v":""}]
[]
[null,null,"Loan 2",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H20+3%<7.25%,7.25%,H20+3%))/12,F20,D20,0)+1),\"\")","v":""},null,{"$f":"IFERROR(INT(-PMT(H20/12,F20,D20,0)+1),\"\")","v":""}]
[]
[null,null,"Loan 3",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H22+3%<7.25%,7.25%,H22+3%))/12,F22,D22,0)+1),\"\")","v":""},null,{"$f":"IFERROR(INT(-PMT(H22/12,F22,D22,0)+1),\"\")","v":""}]
[]
[null,null,"Loan 4",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H24+3%<7.25%,7.25%,H24+3%))/12,F24,D24,0)+1),\"\")","v":""},null,{"$f":"IFERROR(INT(-PMT(H24/12,F24,D24,0)+1),\"\")","v":""}]
[]
[null,null,"Total Loan Amount",{"$f":"D18+D20+D22+D24","v":0},null,null,null,null,null,{"$f":"SUM(J18,J20,J22,J24)","v":0},null,{"$f":"SUM(L18,L20,L22,L24)","v":0}]
[]
[null,null,"Security Details",null,null,null,null,null,"Select  a number of Securities →"]
[]
[null,null,null,"Address",null,null,null,"Postcode",null,"Security Value"]
[null,null,"Security 1"]
[]
[null,null,"Security 2"]
[]
[null,null,"Security 3"]
[]
[null,null,"Security 4"]
[]
[null,null,"Total Security Value",null,null,null,null,null,null,{"$f":"SUM(J31,J33,J35,J37)","v":0}]
[]
[null,null,"Total LVR (%)",null,null,null,null,null,null,{"$f":"IFERROR(D26/J39,\"\")","v":""}]
[]
[null,null,"Gross Annual Income","Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[]
[null,null,"Base Annual Salary (PAYG)"]
[]
[null,null,"Bonus/Commission/Overtime\n(Enter a total amount you wish to use for assessment)"]
[]
[null,null,"Other Income (taxable)"]
[]
[null,null,"Untaxed Allowable Income",null,null,null,null,null,null,null,null,{"$f":"SUM(D51,F51,H51,J51)","v":0}]
[]
[null,null,"Total Gross Income",{"$f":"IFERROR(SUM(D45,D47,D49),\"\")","v":0},null,{"$f":"IFERROR(SUM(F45,F47,F49),\"\")","v":0},null,{"$f":"IFERROR(SUM(H45,H47,H49),\"\")","v":0},null,{"$f":"IFERROR(SUM(J45,J47,J49),\"\")","v":0},null,{"$f":"SUM(D53,F53,H53,J53,L51)","v":0}]
[]
[null,null,"Total Net Income",{"$f":"IFERROR((D53-(IF(D53>18200,VLOOKUP(D53,Tax,2)+((D53-VLOOKUP(D53,Tax,1))*(VLOOKUP(D53,Tax,3)))+D53*0.02,0)))+D51,\"\")","v":0},null,{"$f":"IFERROR((F53-(IF(F53>18200,VLOOKUP(F53,Tax,2)+((F53-VLOOKUP(F53,Tax,1))*(VLOOKUP(F53,Tax,3)))+F53*0.02,0)))+F51,\"\")","v":0},null,{"$f":"IFERROR((H53-(IF(H53>18200,VLOOKUP(H53,Tax,2)+((H53-VLOOKUP(H53,Tax,1))*(VLOOKUP(H53,Tax,3)))+H53*0.02,0)))+H51,\"\")","v":0},null,{"$f":"IFERROR((J53-(IF(J53>18200,VLOOKUP(J53,Tax,2)+((J53-VLOOKUP(J53,Tax,1))*(VLOOKUP(J53,Tax,3)))+J53*0.02,0)))+J51,\"\")","v":0}]
[]
[null,null,"Rental Income",null,null,null,null,null,"Select a number of Rental Income→"]
[]
[null,null,null,"Property Address",null,null,null,"Rental Type",null,"Annual Rental Income",null,"Allowable Rental Income"]
[]
[null,null,"Property 1",null,null,null,null,null,null,null,null,{"$f":"IF(H61=\"\",0,IF(H61=\"Permanent Term\",J61*0.8,IF(H61=\"Short Term\",J61*0.7,IF(H61=\"Serviced Apartment/AirBnB\",J61*0.7))))","v":0}]
[]
[null,null,"Property 2",null,null,null,null,null,null,null,null,{"$f":"IF(H63=\"\",0,IF(H63=\"Permanent Term\",J63*0.8,IF(H63=\"Short Term\",J63*0.7,IF(H63=\"Serviced Apartment/AirBnB\",J63*0.7))))","v":0}]
[]
[null,null,"Property 3",null,null,null,null,null,null,null,null,{"$f":"IF(H65=\"\",0,IF(H65=\"Permanent Term\",J65*0.8,IF(H65=\"Short Term\",J65*0.7,IF(H65=\"Serviced Apartment/AirBnB\",J65*0.7))))","v":0}]
[]
[null,null,"Property 4",null,null,null,null,null,null,null,null,{"$f":"IF(H67=\"\",0,IF(H67=\"Permanent Term\",J67*0.8,IF(H67=\"Short Term\",J67*0.7,IF(H67=\"Serviced Apartment/AirBnB\",J67*0.7))))","v":0}]
[]
[null,null,"Income Allocation to applicants (%)","Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[]
[null,null,"Property 1"]
[]
[null,null,"Property 2",null,null,null,null,null,null,null,null,{"$f":"SUM(D73,F73,H73,J73)","v":0}]
[]
[null,null,"Property 3",null,null,null,null,null,null,null,null,{"$f":"SUM(D75,F75,H75,J75)","v":0}]
[]
[null,null,"Property 4",null,null,null,null,null,null,null,null,{"$f":"SUM(D77,F77,H77,J77)","v":0}]
[]
[null,null,"Total Rental Income",{"$f":"IFERROR((L61*D71)+(L63*D73)+(L65*D75)+(L67*D77),\"\")","v":0},null,{"$f":"IFERROR((L61*F71)+(L63*F73)+(L65*F75)+(L67*F77),\"\")","v":0},null,{"$f":"IFERROR((L61*H71)+(L63*H73)+(L65*H75)+(L67*H77),\"\")","v":0},null,{"$f":"IFERROR((L61*J71)+(L63*J73)+(L65*J75)+(L67*J77),\"\")","v":0},null,{"$f":"SUM(D79,F79,H79,J79)","v":0}]
[]
[null,null,"Self Employed Income"]
[]
[]
[]
[]
[]
[]
[null,null,"Net Profit Before Tax"]
[]
[null,null,"Director's fees"]
[]
[null,null,"Salaries & Wages"]
[]
[null,null,"Allowable Addback"]
[]
[null,null,"Total Allowable Income",{"$f":"D88+D90+D92+D94","v":0},null,{"$f":"F88+F90+F92+F94","v":0},null,{"$f":"H88+H90+H92+H94","v":0},null,{"$f":"J88+J90+J92+J94","v":0}]
[]
[null,null,"Assessable Income",{"$f":"AVERAGE(D96,F96)*0.3","v":0},null,null,null,{"$f":"AVERAGE(H96,J96)*0.3","v":0}]
[]
[null,null,null,"Applicant 1",null,"Applicant 2",null,"Applicant 3",null,"Applicant 4"]
[]
[null,null,"Income Allocation to applicants (%)"]
[]
[null,null,"Total Self Employed Income",{"$f":"D98*D102","v":0},null,{"$f":"F98*F102","v":0},null,{"$f":"H98*H102","v":0},null,{"$f":"J98*J102","v":0}]
[]
[null,null,"All Other Liability (Combined)",null,null,null,null,"Select a number of Existing Home Loans→"]
[]
[null,null,"Floor rate 7.25% or Interest rate plus 3.00% is used for calculating Loan Repayments"]
[]
[null,null,null,"Loan Amount / Limit\n(inc. Redraw)",null,"Loan Terms (months)",null,"Interest Rate %",null,"Loan Repayments (monthly)"]
[]
[null,null,"Existing Home Loan 1 ",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H112+3%<7.25%,7.25%,H112+3%))/12,F112,D112,0)+1),\"\")","v":""}]
[]
[null,null,"Existing Home Loan 2",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H114+3%<7.25%,7.25%,H114+3%))/12,F114,D114,0)+1),\"\")","v":""}]
[]
[null,null,"Existing Home Loan 3",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H116+3%<7.25%,7.25%,H116+3%))/12,F116,D116,0)+1),\"\")","v":""}]
[]
[null,null,"Existing Home Loan 4",null,null,null,null,null,null,{"$f":"IFERROR(INT(-PMT((IF(H118+3%<7.25%,7.25%,H118+3%))/12,F118,D118,0)+1),\"\")","v":""}]
[]
[null,null,"Personal Loan"]
[]
[null,null,"Lease/Car Loan"]
[]
[null,null,"Existing Credit Card or Overdraft Limit",null,null,null,null,null,null,{"$f":"D124*0.0382","v":0}]
[]
[null,null,"New Credit Card or Overdraft Limit",null,null,null,null,null,null,{"$f":"D126*0.0382","v":0}]
[]
[null,null,"HELP / HECS"]
[]
[null,null,"Other Debts"]
[]
[null,null,"Afterpay / Paypal / BuyNowPayLater",null,null,{"$f":"IF(F124=\"\",\"\",IF(F124<5.05%,5.05%,F124+3%))","v":""},null,{"$f":"IF(H124=\"\",\"\",IF(H124<5.05%,5.05%,H124+3%))","v":""}]
[]
[null,null,"Rent / Board Commitments"]
[]
[null,null,"Total Monthly Commitments",null,null,null,null,null,null,{"$f":"SUM(J112,J114,J116,J118,J120,J122,J124,J126,J128,J130,J134)","v":0},null,{"$f":"J136*12","v":0}]
[]
[null,null,"Monthly Living Expenses (combined)"]
[]
[null,null,"Household 1",null,null,"Household 2"]
[]
[null,null,"Household Type",null,null,"Household Type"]
[]
[null,null,"Number of Dependants",null,null,"Number of Dependants"]
[]
[null,null,"Declared General Expenses",null,null,"Declared General Expenses"]
[]
[null,null,"Declared Other Expenses",null,null,"Declared Other Expenses"]
[]
[null,null,"Calculated HEM Expenses",{"$f":"IFERROR(IF($L$53>=200000,(VLOOKUP((D142&D144),Variables!$I$12:$J$44,2,FALSE)/12)*1.15,IF($L$53>=150000,(VLOOKUP((D142&D144),Variables!$I$12:$J$44,2,FALSE)/12)*1.1,(VLOOKUP((D142&D144),Variables!$I$12:$J$44,2,FALSE)/12)*1.05)),\"\")","v":""},null,"Calculated HEM Expense",null,null,null,{"$f":"IFERROR(IF($L$53>=200000,(_xlfn.XLOOKUP((J142&J144),Variables!$I$9:$I$44,Variables!$J$9:$J$44)/12)*1.15,IF($L$53>=150000,(_xlfn.XLOOKUP((J142&J144),Variables!$I$9:$I$44,Variables!$J$9:$J$44)/12)*1.1,(_xlfn.XLOOKUP((J142&J144),Variables!$I$9:$I$44,Variables!$J$9:$J$44)/12)*1.05)),\"\")","v":""}]
[]
[null,null,"Calculated Living Expense",{"$f":"IF(D146<D150,D150,D146)","v":0},null,"Calculated Living Expense",null,null,null,{"$f":"IF(J146<J150,J150,J146)","v":0}]
[]
[null,null,"Total Assessed Living Expense",{"$f":"IFERROR(SUM(D152,D148),\"\")","v":0},null,"Total Assessed Living Expense",null,null,null,{"$f":"IFERROR(SUM(J152,J148),\"\")","v":0}]
[]
[null,null,"Serviceability Results"]
[]
[null,null,"Total Gross Income",{"$f":"SUM(D53,F53,H53,J53,D104,F104,H104,J104,L51,(L79/0.8))","v":0},null,"NDI",null,null,null,{"$f":"D160-D166","v":0}]
[]
[null,null,"Total Net Income",{"$f":"SUM(D55,F55,H55,J55,L79)","v":0},null,"NDI Ratio",null,null,null,{"$f":"IFERROR(J158/D164,\"\")","v":""},null,{"$f":"IFERROR(IF(J158/D164>=1,\"PASS\", IF(J158/D164<1,\"REFER - Outside Serviceability Guidelines\")),\"\")","v":""}]
[]
[null,null,"Total Existing/New Loan Limits",{"$f":"SUM(D26,D112,D114,D116,D118,D120,D122,D124,D126,D128,D130,D132)","v":0},null,"Net Monthly Surplus",null,null,null,{"$f":"IF(J158=\"\",\"\",((J158-D164)/12))","v":0},null,{"$f":"IFERROR(IF(D18=\"\",\"\",IF(J162>=200,\"PASS\",IF(J162<200,\"REFER - Outside Serviceability Guidelines\"))),\"\")","v":""}]
[]
[null,null,"Total Existing/New Commitments",{"$f":"SUM((J26*12),L136)","v":0},null,"Debt To Income (DTI)",null,null,null,{"$f":"IFERROR(D162/D158,\"\")","v":""},null,{"$f":"IF(J164=\"\",\"\",IF(J164<=6,\"PASS\",IF(J164>6,\"REFER - Outside Serviceability Guidelines\")))","v":""}]
[]
[null,null,"Total Living Expenses",{"$f":"SUM(D154,J154)*12","v":0}]
[]
[]
[]
[null,null,"Calculations are estimates and should be taken as a guide only based on the accuracy of the information entered and is not an offer of finance. \nCalculations assume that the interest rate remains unchanged for the full term of the loan. BankVic lending criteria applies to applications submitted."]

{"sheet":"YTD_Income_Calculator","index":1,"n_rows":30,"n_cols":6,"rows_kept":30,"cut":false,"hidden":false,"merged":[[2,2,3,6]]}
[]
[]
[null,null,"YTD Income Calculator version 1"]
[]
[]
[null,null,null,null,"Gross Annual Income"]
[]
[null,null,null,null,"Base Annual Salary (PAYG)"]
[]
[null,null,null,null,"YTD Income (from pay slip)"]
[]
[null,null,null,null,"Start Date"]
[]
[null,null,null,null,"End Date"]
[]
[null,null,null,null,"Number of Days",{"$f":"IF(F12=\"\",\"\",IFERROR(F14-F12,\"\"))","v":""}]
[]
[null,null,null,null,"Number of Weeks",{"$f":"IFERROR(F16/7,\"\")","v":""}]
[]
[null,null,null,null,"Average Per Week",{"$f":"IFERROR(F10/F18,\"\")","v":""}]
[]
[null,null,null,null,"Annualised Income",{"$f":"IFERROR(F20*52,\"\")","v":""}]
[]
[null,null,null,null,"Total Overtime & Allowances",{"$f":"IFERROR(F22-F8,\"\")","v":""}]
[]
[null,null,null,null,"% of Overtime & Allowances Used"]
[]
[null,null,null,null,"$ of Overtime & Allowances Used",{"$f":"IFERROR(F24*F26,\"\")","v":""}]
[]
[null,null,null,null,"Total Gross Income Used\n(Base Annual Salary + Overtime/Allowances Used)",{"$f":"IFERROR(F8+F28,\"\")","v":""}]

{"sheet":"Variables","index":2,"n_rows":57,"n_cols":20,"rows_kept":57,"cut":false,"hidden":true,"merged":[]}
[null,"Applicant details"]
[null,"Status","Couple with",null,null,null,null,null,"Date Today",null,{"$f":"TODAY()","v":"2025-04-22"}]
[null,"Single","N/A","N/A","N/A","N/A",null,null,"Date End of Month",null,{"$f":"EOMONTH(K2,360)","v":"2055-04-30"}]
[null,"Couple","Applicant 2","Applicant 1","Applicant 1","Applicant 1",null,null,"Maturity Date",null,{"$f":"DATE(YEAR(K3),MONTH(K3),DAY(K2))","v":"2055-04-22"}]
[null,null,"Applicant 3","Applicant 3","Applicant 2","Applicant 2"]
[null,null,"Applicant 4","Applicant 4","Applicant 4","Applicant 3"]
[]
[null,"Rental Type",null,null,null,null,null,null,"HEM",0,1,2,3,4,5,6,7,8,9,10]
[null,"Permanent Term",null,null,null,null,null,null,"Single Adult Without a Home Loan",{"$f":"$J$47","v":19136},{"$f":"$J9+$J$52","v":31460},{"$f":"$J9+$J$53","v":34684},{"$f":"$J9+$J$54","v":39676},{"$f":"$J9+$J$55","v":44668},{"$f":"$J9+$J$56","v":49660},{"$f":"J9+($J$53+($J$57*4))","v":54652},{"$f":"J9+($J$53+($J$57*5))","v":59644},{"$f":"J9+($J$53+($J$57*6))","v":64636},{"$f":"J9+($J$53+($J$57*7))","v":69628},{"$f":"J9+($J$53+($J$57*8))","v":74620}]
[null,"Short Term",null,null,null,null,null,null,"Single Adult With a Home Loan",{"$f":"J48","v":24480},{"$f":"$J10+$J$52","v":36804},{"$f":"$J10+$J$53","v":40028},{"$f":"$J10+$J$54","v":45020},{"$f":"$J10+$J$55","v":50012},{"$f":"$J10+$J$56","v":55004},{"$f":"J10+($J$53+($J$57*4))","v":59996},{"$f":"J10+($J$53+($J$57*5))","v":64988},{"$f":"J10+($J$53+($J$57*6))","v":69980},{"$f":"J10+($J$53+($J$57*7))","v":74972},{"$f":"J10+($J$53+($J$57*8))","v":79964}]
[null,"Serviced Apartment/Airbnb",null,null,null,null,null,null,"Couple (or single with partner)",{"$f":"J49","v":40872},{"$f":"$J11+$J$52","v":53196},{"$f":"$J11+$J$53","v":56420},{"$f":"$J11+$J$54","v":61412},{"$f":"$J11+$J$55","v":66404},{"$f":"$J11+$J$56","v":71396},76388,81380,86372,91364,96356]
[null,null,null,null,null,null,null,null,{"$f":"Variables!I9&Variables!$J$8","v":"Single Adult Without a Home Loan0"},{"$f":"J9","v":19136}]
[null,null,null,null,null,null,null,null,{"$f":"Variables!I10&Variables!$J$8","v":"Single Adult With a Home Loan0"},{"$f":"J10","v":24480}]
[null,"Number",null,null,null,null,null,null,{"$f":"Variables!I11&Variables!$J$8","v":"Couple (or single with partner)0"},{"$f":"J11","v":40872}]
[null,1,null,null,null,null,null,null,{"$f":"I9&$K$8","v":"Single Adult Without a Home Loan1"},{"$f":"K9","v":31460}]
[null,2,null,null,null,null,null,null,{"$f":"I10&$K$8","v":"Single Adult With a Home Loan1"},{"$f":"K10","v":36804}]
[null,3,null,null,null,null,null,null,"Couple (or single with partner)1",53196]
[null,4,null,null,null,null,null,null,{"$f":"I9&$L$8","v":"Single Adult Without a Home Loan2"},{"$f":"L9","v":34684}]
[null,null,null,null,null,null,null,null,{"$f":"I10&$L$8","v":"Single Adult With a Home Loan2"},{"$f":"L10","v":40028}]
[null,null,null,null,null,null,null,null,"Couple (or single with partner)2",56420]
[null,null,null,null,null,null,null,null,{"$f":"I9&$M$8","v":"Single Adult Without a Home Loan3"},{"$f":"M9","v":39676}]
[null,"Income Tax Rates - 2024-2025",null,null,null,null,null,null,{"$f":"I10&$M$8","v":"Single Adult With a Home Loan3"},{"$f":"M10","v":45020}]
[null,"Taxable  Income","Tax","Marginal Rate",null,null,null,null,"Couple (or single with partner)3",61412]
[null,1,0,0,null,null,null,null,{"$f":"I9&$N$8","v":"Single Adult Without a Home Loan4"},{"$f":"N9","v":44668}]
[null,18201,0.16,0.16,null,null,null,null,{"$f":"I10&$N$8","v":"Single Adult With a Home Loan4"},{"$f":"N10","v":50012}]
[null,45001,4288,0.3,null,null,null,null,"Couple (or single with partner)4",66404]
[null,135001,31288,0.37,null,null,null,null,{"$f":"I9&$O$8","v":"Single Adult Without a Home Loan5"},{"$f":"O9","v":49660}]
[null,190001,51638,0.45,null,null,null,null,{"$f":"I10&$O$8","v":"Single Adult With a Home Loan5"},{"$f":"O10","v":55004}]
[null,null,null,null,null,null,null,null,"Couple (or single with partner)5",71396]
[null,null,null,null,null,null,null,null,{"$f":"$I9&$P$8","v":"Single Adult Without a Home Loan6"},{"$f":"P9","v":54652}]
[null,null,null,null,null,null,null,null,{"$f":"$I10&$P$8","v":"Single Adult With a Home Loan6"},{"$f":"P10","v":59996}]
[null,null,null,null,null,null,null,null,"Couple (or single with partner)6",{"$f":"P11","v":76388}]
[null,null,null,null,null,null,null,null,{"$f":"$I9&$Q$8","v":"Single Adult Without a Home Loan7"},{"$f":"Q9","v":59644}]
[null,null,null,null,null,null,null,null,{"$f":"$I10&$Q$8","v":"Single Adult With a Home Loan7"},{"$f":"Q10","v":64988}]
[null,null,null,null,null,null,null,null,"Couple (or single with partner)7",{"$f":"Q11","v":81380}]
[null,null,null,null,null,null,null,null,{"$f":"I9&R8","v":"Single Adult Without a Home Loan8"},{"$f":"R9","v":64636}]
[null,null,null,null,null,null,null,null,{"$f":"I10&R8","v":"Single Adult With a Home Loan8"},{"$f":"R10","v":69980}]
[null,null,null,null,null,null,null,null,{"$f":"I11&R8","v":"Couple (or single with partner)8"},{"$f":"R11","v":86372}]
[null,null,null,null,null,null,null,null,{"$f":"I9&S8","v":"Single Adult Without a Home Loan9"},{"$f":"S9","v":69628}]
[null,null,null,null,null,null,null,null,{"$f":"I10&S8","v":"Single Adult With a Home Loan9"},{"$f":"S10","v":74972}]
[null,null,null,null,null,null,null,null,{"$f":"I11&S8","v":"Couple (or single with partner)9"},{"$f":"S11","v":91364}]
[null,null,null,null,null,null,null,null,{"$f":"I9&T8","v":"Single Adult Without a Home Loan10"},{"$f":"T9","v":74620}]
[null,null,null,null,null,null,null,null,{"$f":"I10&T8","v":"Single Adult With a Home Loan10"},{"$f":"T10","v":79964}]
[null,null,null,null,null,null,null,null,{"$f":"I11&T8","v":"Couple (or single with partner)10"},{"$f":"T11","v":96356}]
[]
[null,null,null,null,null,null,null,null,"HEM table - TO UPDATE"]
[null,null,null,null,null,null,null,null,"Single Adult Without a Home Loan",19136]
[null,null,null,null,null,null,null,null,"Single Adult With a Home Loan",24480]
[null,null,null,null,null,null,null,null,"Couple (or single with partner)",40872]
[null,null,null,null,null,null,null,null,"Each Additional Adult",19136]
[null,null,null,null,null,null,null,null,"Each Additional Couple",40872]
[null,null,null,null,null,null,null,null,"1 Dependent Child",12324]
[null,null,null,null,null,null,null,null,"2 Dependent Child",15548]
[null,null,null,null,null,null,null,null,"3 Dependent Child",{"$f":"J53+J57","v":20540}]
[null,null,null,null,null,null,null,null,"4 Dependent Child",{"$f":"J53+(J57*2)","v":25532}]
[null,null,null,null,null,null,null,null,"5 Dependent Child",{"$f":"J53+(J57*3)","v":30524}]
[null,null,null,null,null,null,null,null,"Each Dependent Child in excess of 2",4992]

{"sheet":"User_Guidelines","index":3,"n_rows":69,"n_cols":2,"rows_kept":69,"cut":false,"hidden":false,"merged":[[0,0,0,1],[55,0,56,0]]}
["BankVic Loan Serviceability Calculator User Guidelines"]
[]
["Applicant/s details"]
["Applicant/s Full Name","Indicate the Full name 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."]
["New BankVic Loan Structure"]
["Loan Amount\n(inc. Redraw)","The limit of the new loan amount including redraw amount."]
["Loan Terms (months)","Enter a number of months e.g. 360 for a 30 year loan"]
["Interest Rate %","Interest rate applicable to the loan in percent"]
["Loan Repayments (monthly)","Loan Repayments based on Assessment Interest rate"]
["Security Details"]
["Address","Address of each security is securing the new loan"]
["Postcode","Postcode of each security is securing the new loan"]
["Security Value","The value of the security that is securing the new loan"]
["Total LVR (%)","Loan Value Ratio that is calculated dividing total loan amount to total security value"]
["Gross Annual Income"]
["Base Annual Salary (PAYG)","Gross income earned by the applicant"]
["YTD Income (from pay slip)"]
["Start Date"]
["End Date"]
["Number of Days"]
["Number of Weeks"]
["Average Per Week"]
["Annualised Income"]
["Total Overtime & Allowances"]
["% of Overtime & Allowances Used"]
["$ of Overtime & Allowances Used"]
["Base Annual Salary + Overtime & Allowances Used"]
["Bonus/Commission/Overtime","Non base income"]
["Other Income (taxable)","Other income earned by the applicant"]
["Untaxed Allowable Income","Untaxed allowable income"]
[]
[]
["Rental Income"]
["Property Address","Address of each investment property"]
["Rental Type","Income sourced from Permanent, Short term or Serviced apartment/Airbnb"]
["Annual Rental Income","Annual rental income sourced from Permanent, Short term or Serviced apartment/Airbnb"]
["Allowable Rental Income","The acceptable annual rental income based on BankVic policy"]
["Self Employed Income"]
["Self Employed Income ($)"]
[]
[]
[]
[]
["All Other Liabilities"]
["Existing Loan - Loan Limit ($)","The current limit of the loan"]
["Loan Amount\n(inc. Redraw)","The limit of the new loan amount including redraw amount."]
["Loan Terms (months)","Enter a number of months e.g. 360 for a 30 year loan"]
["Interest Rate %","Interest rate applicable to the loan in percent"]
["Loan Repayments (monthly)","Loan Repayments based on Assessment Interest rate"]
["Personal Loan","Personal Loans details "]
["Lease/Car Loan","Lease/Car Loans details"]
["Existing Credit Card","Total credit card limits for all applicants."]
["After pay / PayPal / BuyNowPayLater","Current limit of the facilities"]
["New Credit Card or Overdraft Limit","Monthly rent or board expenses. \nA minimum value required per adult when living with family rent free."]
["HELP / HECS ","Based on HECS / HELP Tables, balance multiplies by % in line with Income Threshold. For further information regarding of % of HECS / HELP, please refer to a HECS/HELP link below."]
[null,"HECS / HELP Tables"]
["Rent / Board Commitments","Rent / Board Commitments details"]
["Other Debts","Other Debts details"]
["Monthly Living Expenses"]
["Declared General Expenses ($)","Include Clothing and personal care, Groceries, Medical and health, Pet care, Recreation and entertainment, Telephone, internet, pay tv and media streaming subscriptions, Transport, Primary Residence Costs (Including Insurance), Childcare, Higher Education & Vocational Training (Excluding HECS/HELP), Public or Government Primary & Secondary Education Costs, General Insurance (Excluding Life, Health, Sickness and Personal Accident)"]
["Declared Other Expenses ($)","Include Body corporate fees, strata fees and land tax on owner occupied principal place of residence, Investment property costs (including insurance), Secondary residence running costs, Private & Non-Government Education, Child and spousal maintenance, Other Insurances, Personal Insurance (Life, Health, Sickness and Personal Accident)  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"]
["NDI (Net Disposal Income)","Result is calculated by taking the customers net surplus income minus the total living expenses"]
["NDI Ratio","Result is calculated as the ratio between the net disposal income and total existing/new commitments. The NDI ratio should be greater than 1.00 to be passed."]
["Net Monthly Surplus","Result is calculated by subtracting the net disposal income from total existing/new commitments and dividing by 12. The net monthly surplus should be greater than $200.00 to be passed."]
["DTI (Debt To Income)","Result is calculated by dividing a total of existing/new liabilities to a total of income. The DTI should be less than 6 to be passed."]

{"sheet":"Administration","index":4,"n_rows":26,"n_cols":6,"rows_kept":26,"cut":false,"hidden":true,"merged":[[1,2,3,5]]}
[]
[null,null,"Administration - Version & Change Control v1.0"]
[]
[]
[]
[null,"Date updated","Worksheet","New Version","Changes","Updated by"]
[null,"2023-06-09","Loan Serviceability Worksheet",1.1000000000000001,"HEM update","Sophie Ahn"]
[null,"2023-08-02","Loan Serviceability Worksheet",1.2,"Fixed formula for new credit card and hide Household type for Single adult without HL","Sophie Ahn"]
[null,"2023-09-04","Variables",1.3,"HEM update","Sophie Ahn"]
[null,"2023-09-06","Loan Serviceability Worksheet",1.3,"Disable Household Type 2 for HEM","Sophie Ahn"]
[null,"2023-11-20","Variables",1.4,"HEM update","Sophie Ahn"]
[null,"2024-03-21","Loan Serviceability Worksheet",1.5,"Rewording assessed repayment to assessment repayment","Sophie Ahn"]
[null,"2024-03-21","Loan Serviceability Worksheet",1.5,"Bonus/Overtime metric changed to 100%","Sophie Ahn"]
[null,"2024-03-21","Loan Serviceability Worksheet",1.5,"Rewording Fail to Refer","Sophie Ahn"]
[null,"2024-03-21","Loan Serviceability Worksheet",1.5,"Enhanced formual for DTI to factor 100% rental income as per NG metrics","Sophie Ahn"]
[null,"2024-03-21","Variables",1.5,"Replaced HEM formula to vlookup from xlooup","Sophie Ahn"]
[null,"2024-03-21","Variables",1.5,"HEM update","Sophie Ahn"]
[null,"2024-06-20","Variables",1.6,"Tax Rates 2024-25 updated ","Sophie Ahn"]
[null,"2024-06-20","Loan Serviceability Worksheet",1.6,"Adjust Tax Metrics to capture NIL Tax for income $0 to $18,200.","Sophie Ahn"]
[null,"2024-06-20","Variables",1.6,"HEM update","Sophie Ahn"]
[null,"2024-07-18","Loan Serviceability Worksheet",1.7,"Adjustment to correct Net income not adding onto Gross and taxed & DTI metrics to accommodate this adjustment\n","Sophie Ahn"]
[null,"2024-07-31","Loan Serviceability Worksheet",1.8,"Updated BankVic logo\n","Sophie Ahn"]
[null,"2024-10-15","Loan Serviceability Worksheet",1.9,"HEM update","Sophie Ahn"]
[null,"2024-12-03","Loan Serviceability Worksheet",2,"Rewording Loan Terms and Interest Rate field to Loan Terms (months)\n(For I/O, Enter remaining term after I/O expiry) & Interest Rate %\n(For Fixed & I/O \nEnter Revert Rate)","Sophie Ahn"]
[null,"2025-02-21","Loan Serviceability Worksheet",2.1,"HEM update - Effective date - 4/3/2025","Sophie Ahn"]
[null,"2025-04-17","User_Guidelines",2.2000000000000002,"Modified the wording in Monthly Living Expenses","Sophie Ahn"]