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["Tabel 1. Financieringslastpercentages voor consumenten die de AOW-leeftijd nog niet hebben bereikt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,"<=1,000%","1,001-1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%",">=6,001% "]
[]
["-1",0,1.0009000000000001E-2,{"$f":"+C4+0.5%","v":1.5009000000000002E-2},2.0009000000000002E-2,2.5009000000000003E-2,3.0009000000000004E-2,3.5009000000000005E-2,4.0009000000000003E-2,4.5009E-2,5.0008999999999998E-2,5.5008999999999995E-2,6.0008999999999993E-2]
[0,0.10500000000000001,0.10999999999999999,0.11499999999999999,0.12,0.125,0.13,0.13500000000000001,0.14000000000000001,0.14500000000000002,0.15,0.155,0.16]
[20500,0.10500000000000001,0.10999999999999999,0.11499999999999999,0.12,0.125,0.13,0.13500000000000001,0.14000000000000001,0.14500000000000002,0.15,0.155,0.16]
[21000,0.10999999999999999,0.11499999999999999,0.125,0.13,0.13500000000000001,0.14000000000000001,0.14499999999999999,0.15,0.155,0.16,0.16500000000000001,0.17]
[21500,0.115,0.12,0.13,0.14000000000000001,0.14500000000000002,0.15,0.16,0.16500000000000001,0.17,0.17500000000000002,0.18,0.18]
[22000,0.12,0.125,0.13500000000000001,0.14500000000000002,0.15,0.16,0.16500000000000001,0.17500000000000002,0.18,0.185,0.19,0.19]
[22500,0.125,0.13,0.14000000000000001,0.15,0.155,0.16500000000000001,0.17500000000000002,0.18,0.185,0.19500000000000001,0.2,0.20500000000000002]
[23000,0.13,0.13500000000000001,0.14500000000000002,0.15,0.16,0.17,0.18,0.19,0.19500000000000001,0.2,0.20500000000000002,0.21000000000000002]
[23500,0.13500000000000001,0.14000000000000001,0.15,0.16,0.17,0.18,0.19,0.19500000000000001,0.20500000000000002,0.21000000000000002,0.21499999999999997,0.21999999999999997]
[24000,0.13500000000000001,0.14000000000000001,0.15,0.16,0.17,0.18,0.19500000000000001,0.20500000000000002,0.21000000000000002,0.21999999999999997,0.22499999999999998,0.22999999999999998]
[24500,0.14000000000000001,0.14500000000000002,0.155,0.16500000000000001,0.17500000000000002,0.185,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22499999999999998,0.22999999999999998,0.24]
[25000,0.14000000000000001,0.15,0.16,0.17,0.18,0.19,0.2,0.21000000000000002,0.21999999999999997,0.22999999999999998,0.24,0.245]
[26000,0.14499999999999999,0.155,0.16500000000000001,0.17500000000000002,0.185,0.2,0.21000000000000002,0.21999999999999997,0.22999999999999998,0.24,0.25,0.255]
[27000,0.15,0.16,0.17,0.18,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22499999999999998,0.24,0.25,0.26,0.27]
[28000,0.155,0.16500000000000001,0.17500000000000002,0.185,0.2,0.21000000000000002,0.21999999999999997,0.23499999999999999,0.245,0.255,0.26500000000000001,0.27500000000000002]
[29000,0.155,0.16500000000000001,0.18,0.19,0.2,0.21499999999999997,0.22499999999999998,0.24,0.25,0.26,0.27,0.28000000000000003]
[30000,0.16,0.17,0.185,0.19500000000000001,0.21000000000000002,0.21999999999999997,0.22999999999999998,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28500000000000003]
[31000,0.16500000000000001,0.17500000000000002,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28500000000000003,0.29499999999999998]
[32000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[33000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[34000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[35000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[36000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[37000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[38000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[39000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[40000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[41000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[42000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[43000,0.17,0.18,0.19,0.2,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[44000,0.17,0.18,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[45000,0.17499999999999999,0.185,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[46000,0.17500000000000002,0.185,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[47000,0.17500000000000002,0.185,0.19500000000000001,0.21000000000000002,0.21999999999999997,0.22999999999999998,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[48000,0.17500000000000002,0.185,0.2,0.21000000000000002,0.21999999999999997,0.22999999999999998,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[49000,0.18,0.19,0.2,0.21000000000000002,0.21999999999999997,0.22999999999999998,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[50000,0.18,0.19,0.2,0.21000000000000002,0.22499999999999998,0.23499999999999999,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28499999999999998,0.29499999999999998]
[51000,0.18,0.19,0.2,0.21499999999999997,0.22499999999999998,0.23499999999999999,0.245,0.255,0.26500000000000001,0.28000000000000003,0.28499999999999998,0.29499999999999998]
[52000,0.18,0.19,0.20500000000000002,0.21499999999999997,0.22499999999999998,0.23499999999999999,0.245,0.255,0.26500000000000001,0.28000000000000003,0.29000000000000004,0.29499999999999998]
[53000,0.185,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22499999999999998,0.23499999999999999,0.245,0.255,0.26500000000000001,0.28000000000000003,0.29000000000000004,0.29499999999999998]
[54000,0.185,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22499999999999998,0.24,0.25,0.26,0.27,0.28000000000000003,0.29000000000000004,0.3]
[55000,0.185,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26,0.27,0.28000000000000003,0.29000000000000004,0.3]
[56000,0.185,0.19500000000000001,0.21000000000000002,0.21999999999999997,0.22999999999999998,0.24,0.25,0.26,0.27,0.28000000000000003,0.29000000000000004,0.3]
[57000,0.19,0.2,0.21000000000000002,0.21999999999999997,0.23499999999999999,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28500000000000003,0.29000000000000004,0.3]
[58000,0.19,0.2,0.21000000000000002,0.22499999999999998,0.23499999999999999,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28500000000000003,0.29499999999999998,0.30499999999999999]
[59000,0.19,0.2,0.21499999999999997,0.22499999999999998,0.23499999999999999,0.25,0.26,0.27,0.28000000000000003,0.29000000000000004,0.3,0.30499999999999999]
[60000,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22499999999999998,0.24,0.25,0.26,0.27,0.28000000000000003,0.29000000000000004,0.3,0.31]
[61000,0.19500000000000001,0.20500000000000002,0.21499999999999997,0.22999999999999998,0.24,0.25,0.26500000000000001,0.27500000000000002,0.28500000000000003,0.29499999999999998,0.30499999999999999,0.31]
[62000,0.19500000000000001,0.20500000000000002,0.21999999999999997,0.22999999999999998,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28500000000000003,0.29499999999999998,0.30499999999999999,0.315]
[63000,0.19500000000000001,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.245,0.255,0.26500000000000001,0.28000000000000003,0.29000000000000004,0.3,0.31,0.315]
[64000,0.2,0.21000000000000002,0.21999999999999997,0.23499999999999999,0.245,0.26,0.27,0.28000000000000003,0.29000000000000004,0.3,0.31,0.32]
[65000,0.2,0.21000000000000002,0.22499999999999998,0.23499999999999999,0.25,0.26,0.27,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.31,0.32]
[66000,0.2,0.21000000000000002,0.22499999999999998,0.23499999999999999,0.25,0.26,0.27500000000000002,0.28500000000000003,0.29499999999999998,0.30499999999999999,0.315,0.32500000000000001]
[67000,0.2,0.21000000000000002,0.22499999999999998,0.24,0.25,0.26500000000000001,0.27500000000000002,0.28500000000000003,0.29499999999999998,0.30499999999999999,0.315,0.32500000000000001]
[68000,0.20499999999999999,0.21499999999999997,0.22499999999999998,0.24,0.255,0.26500000000000001,0.27500000000000002,0.29000000000000004,0.3,0.31,0.32,0.32500000000000001]
[69000,0.20499999999999999,0.21499999999999997,0.22499999999999998,0.24,0.255,0.26500000000000001,0.28000000000000003,0.29000000000000004,0.3,0.31,0.32,0.33]
[70000,0.20499999999999999,0.21499999999999997,0.22999999999999998,0.24,0.255,0.27,0.28000000000000003,0.29000000000000004,0.3,0.31,0.32,0.33]
[71000,0.20499999999999999,0.21499999999999997,0.22999999999999998,0.24,0.255,0.27,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.315,0.32500000000000001,0.33500000000000002]
[72000,0.20499999999999999,0.21499999999999997,0.22999999999999998,0.245,0.255,0.27,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.315,0.32500000000000001,0.33500000000000002]
[73000,0.20499999999999999,0.21499999999999997,0.22999999999999998,0.245,0.255,0.27,0.28500000000000003,0.29499999999999998,0.30499999999999999,0.315,0.32500000000000001,0.33500000000000002]
[74000,0.20500000000000002,0.21499999999999997,0.22999999999999998,0.245,0.26,0.27,0.28500000000000003,0.29499999999999998,0.31,0.32,0.33,0.34]
[75000,0.20500000000000002,0.21499999999999997,0.22999999999999998,0.245,0.26,0.27,0.28500000000000003,0.29499999999999998,0.31,0.32,0.33,0.34]
[76000,0.20500000000000002,0.21999999999999997,0.22999999999999998,0.245,0.26,0.27500000000000002,0.28500000000000003,0.3,0.31,0.32,0.33,0.34]
[77000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.245,0.26,0.27500000000000002,0.28500000000000003,0.3,0.31,0.32500000000000001,0.33500000000000002,0.34500000000000003]
[78000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26,0.27500000000000002,0.28500000000000003,0.3,0.31,0.32500000000000001,0.33500000000000002,0.34500000000000003]
[79000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26,0.27500000000000002,0.29000000000000004,0.3,0.315,0.32500000000000001,0.33500000000000002,0.34500000000000003]
[80000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.27500000000000002,0.29000000000000004,0.3,0.315,0.32500000000000001,0.33500000000000002,0.34500000000000003]
[81000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.27500000000000002,0.29000000000000004,0.30499999999999999,0.315,0.32500000000000001,0.34,0.35000000000000003]
[82000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29000000000000004,0.30499999999999999,0.315,0.32500000000000001,0.34,0.35000000000000003]
[83000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29000000000000004,0.30499999999999999,0.315,0.33,0.34,0.35000000000000003]
[84000,0.20500000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.315,0.33,0.34,0.35000000000000003]
[85000,0.21000000000000002,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.32,0.33,0.34,0.35000000000000003]
[86000,0.21000000000000002,0.22499999999999998,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.32,0.33,0.34,0.35000000000000003]
[87000,0.21000000000000002,0.22499999999999998,0.24,0.25,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.32,0.33,0.34,0.35499999999999998]
[88000,0.21000000000000002,0.22499999999999998,0.24,0.255,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.31,0.32,0.33,0.34500000000000003,0.35499999999999998]
[89000,0.21000000000000002,0.22499999999999998,0.24,0.255,0.27,0.28000000000000003,0.29499999999999998,0.31,0.32,0.33500000000000002,0.34500000000000003,0.35499999999999998]
[90000,0.21000000000000002,0.22499999999999998,0.24,0.255,0.27,0.28000000000000003,0.29499999999999998,0.31,0.32,0.33500000000000002,0.34500000000000003,0.35499999999999998]
[91000,0.21000000000000002,0.22499999999999998,0.24,0.255,0.27,0.28500000000000003,0.29499999999999998,0.31,0.32500000000000001,0.33500000000000002,0.34500000000000003,0.35499999999999998]
[92000,0.21000000000000002,0.22499999999999998,0.24,0.255,0.27,0.28500000000000003,0.29499999999999998,0.31,0.32500000000000001,0.33500000000000002,0.34500000000000003,0.35499999999999998]
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[95000,0.21000000000000002,0.22499999999999998,0.24,0.255,0.27,0.28500000000000003,0.3,0.31,0.32500000000000001,0.33500000000000002,0.35000000000000003,0.36]
[96000,0.21000000000000002,0.22499999999999998,0.24,0.255,0.27,0.28500000000000003,0.3,0.315,0.32500000000000001,0.34,0.35000000000000003,0.36]
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["  ","Toetsrente in percentages "]
["Bruto inkomen in euro's ","<=1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%","6,001-6,500%","> 6,501%"]
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["  ","Toetsrente in percentages "]
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["  ","Toetsrente in percentages "]
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["  ","Toetsrente in percentages "]
["Bruto inkomen in euro's ","<=1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%","6,001-6,500%","> 6,501%"]
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["  ","Toetsrente in percentages "]
["Bruto inkomen in euro's ","<=1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%","6,001-6,500%","> 6,501%"]
[]
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["  ","Toetsrente in percentages "]
["Bruto inkomen in euro's ","<=1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%","6,001-6,500%","> 6,501%"]
[]
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["  ","Toetsrente in percentages "]
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["  ","Toetsrente in percentages "]
["Bruto inkomen in euro's ","<=1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%","6,001-6,500%","> 6,501%"]
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["  ","Toetsrente in percentages "]
["Bruto inkomen in euro's ","<=1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%","6,001-6,500%","> 6,501%"]
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["  ","Toetsrente in percentages "]
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["  ","Toetsrente in percentages "]
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[]
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[]
["Debetrente","<= 1,500%","1,501–2,000%","2,001–2,500%","2,501–3,000%","3,001–3,500%","3,501–4,000%","4,001–4,500%","4,501–5,000%","5,001–5,500%","5,501–6,000%","6,001–6,500%",">= 6,501%"]
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[]
["Debetrente","<= 1,500%","1,501–2,000%","2,001–2,500%","2,501–3,000%","3,001–3,500%","3,501–4,000%","4,001–4,500%","4,501–5,000%","5,001–5,500%","5,501–6,000%","6,001–6,500%",">= 6,501%"]
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[]
["ox 1","<= 1,500","1,501 <= 2,000","2,001 <= 2,500","2,501 <= 3,000","3,001 <= 3,500","3,501 <= 4,000","4,001 <= 4,500","4,501 <= 5,000","5,001 <= 5,500","5,501 <= 6,000","6,001 <= 6,500",">= 6,501"]
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[]
["Box 1","<= 1,500","1,501 <= 2,000","2,001 <= 2,500","2,501 <= 3,000","3,001 <= 3,500","3,501 <= 4,000","4,001 <= 4,500","4,501 <= 5,000","5,001 <= 5,500","5,501 <= 6,000","6,001 <= 6,500",">= 6,501"]
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[]
["ox 3","<= 1,500","1,501 <= 2,000","2,001 <= 2,500","2,501 <= 3,000","3,001 <= 3,500","3,501 <= 4,000","4,001 <= 4,500","4,501 <= 5,000","5,001 <= 5,500","5,501 <= 6,000","6,001 <= 6,500",">= 6,501"]
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[105000,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999]
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[108000,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999]
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[10000000,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999]

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["Box 3","<= 1,500","1,501 <= 2,000","2,001 <= 2,500","2,501 <= 3,000","3,001 <= 3,500","3,501 <= 4,000","4,001 <= 4,500","4,501 <= 5,000","5,001 <= 5,500","5,501 <= 6,000","6,001 <= 6,500",">= 6,501"]
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["-1",0,1.5010000000000001E-2,{"$f":"+C4+0.5%","v":2.001E-2},2.5010000000000001E-2,3.0010000000000002E-2,3.5009999999999999E-2,4.0009999999999997E-2,4.5009999999999994E-2,5.0009999999999992E-2,5.5009999999999989E-2,6.0009999999999987E-2,6.5009999999999984E-2,"<= beginrente"]
[0,0.23,0.23,0.23499999999999999,0.24,0.24,0.245,0.25,0.25,0.255,0.255,0.255,0.26]
[20000,0.23,0.23,0.23499999999999999,0.24,0.24,0.245,0.25,0.25,0.255,0.255,0.255,0.26]
[20500,0.23499999999999999,0.24,0.245,0.25,0.25,0.255,0.255,0.26,0.26,0.26500000000000001,0.26500000000000001,0.27]
[21000,0.245,0.25,0.25,0.255,0.26,0.26,0.26500000000000001,0.27,0.27,0.27500000000000002,0.27500000000000002,0.28000000000000003]
[21500,0.25,0.255,0.26,0.26500000000000001,0.26500000000000001,0.27,0.27500000000000002,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28499999999999998]
[22000,0.26,0.26500000000000001,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998]
[22500,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.29499999999999998,0.3]
[23000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[23500,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[24000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[24500,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[25000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[26000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[27000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[28000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[29000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[30000,0.26,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3]
[31000,0.26500000000000001,0.27,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3]
[32000,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.3]
[33000,0.26500000000000001,0.27,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.3]
[34000,0.27,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999]
[35000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[36000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[37000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[38000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[39000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[40000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[41000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[42000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[43000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[44000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[45000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[46000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[47000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[48000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[49000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[50000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31]
[51000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999,0.31,0.31]
[52000,0.27,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999,0.31,0.31]
[53000,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31,0.31]
[54000,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31,0.31]
[55000,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31,0.31]
[56000,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.30499999999999999,0.31,0.31]
[57000,0.27500000000000002,0.28000000000000003,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.31,0.31,0.315]
[58000,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.28999999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999,0.31,0.31,0.315]
[59000,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999,0.31,0.315,0.315]
[60000,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.3,0.3,0.30499999999999999,0.31,0.31,0.315,0.315]
[10000000,0.27500000000000002,0.28000000000000003,0.28499999999999998,0.28999999999999998,0.29499999999999998,0.3,0.30499999999999999,0.30499999999999999,0.31,0.315,0.315,0.32]

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[null,null,null,null,null,null,null,"<---- worden verborgen ----->",null,null,null,null,null,null,null,"<---- worden verborgen ----->",null,null,null,null,"<--------------------------------------uit Calfin halen ------------------------------->"]
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[null,"Hypotheek","Aflostype","Originele","Restant","Hoofdsom","Hoofdsom","Hoofdsom",null,"RVP","Inleg /","Toetsrente","Toets","Toetslasten","Toetslasten","Werk Lasten","Werk Lasten","Lasten ",null,null,"Huidig inkomen",null,null,"Aanvrager","Partner"]
[null,null,null,"looptijd","looptijd","Box 1","Box 3","Box 1 Adj.",null,null,"per jaar","Rente","Rente","Box 1","Box 3","Box 1","Box 3","Werkelijk",null,null,"Totaal toetsinkomen",null,null,{"$f":"'NAT sheet'!B5-'NAT sheet'!B16+'NAT sheet'!B18","v":0},{"$f":"IF(Algemeen!BT13<2,0,+'NAT sheet'!B8)","v":0},null,null,22000]
[null,"Deel 1",{"$f":"'NAT sheet'!B28","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E28","v":360},{"$f":"MAX(0.000001,'NAT sheet'!G28)","v":9.9999999999999995E-7},{"$f":"'NAT sheet'!H28","v":0},{"$f":"+F6","v":9.9999999999999995E-7},null,{"$f":"'NAT sheet'!J28*12","v":120},{"$f":"'NAT sheet'!L28","v":0},{"$f":"M6","v":3.7999999999999999E-2},{"$f":"IF(J6<120,I$24,'NAT sheet'!K28)","v":3.7999999999999999E-2},{"$f":"PMT(M6/12,IF(OR(C6=\"Annuïteit\", C6=\"Lineair\"),E6,D6),-H6)*12","v":5.5914882119348574E-8},{"$f":"PMT(M6/12,IF(OR(C6=\"Annuïteit\",C6=\"Lineair\"),E6,D6),-G6)*12","v":0},{"$f":"IF(C6=\"Annuïteit\",12*PMT(M6/12,E6,-H6,0),IF(C6=\"Lineair\",(H6)*(M6+12/E6),(H6)*M6))+K6","v":5.5914882119348574E-8},{"$f":"IF(C6=\"Annuïteit\",12*PMT(M6/12,E6,-G6,0),IF(C6=\"Lineair\",(G6)*(M6+12/E6),(G6)*M6))+K6","v":0},{"$f":"IF(C6=\"Annuïteit\",12*PMT(M6/12,E6,-H6-G6,0),IF(C6=\"Lineair\",(H6+G6)*(M6+12/E6),(H6+G6)*M6))+K6","v":5.5914882119348574E-8},null,null,"Keuze toetsing",null,null,{"$f":"'NAT sheet'!AE10","v":"Standaard"}]
[null,"Deel 2",{"$f":"'NAT sheet'!B30","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E30","v":360},{"$f":"'NAT sheet'!G30","v":0},{"$f":"'NAT sheet'!H30","v":0},{"$f":"+F7","v":0},null,{"$f":"'NAT sheet'!J30*12","v":120},{"$f":"'NAT sheet'!L30","v":0},{"$f":"M7","v":3.7999999999999999E-2},{"$f":"IF(J7<120,I$24,'NAT sheet'!K30)","v":3.7999999999999999E-2},0,{"$f":"PMT(M7/12,IF(OR(C7=\"Annuïteit\", C7=\"Lineair\"),E7,D7),-G7)*12","v":0},0,0,0,null,null,"Inkomen uit lijfrente "]
[null,"Deel 3",{"$f":"'NAT sheet'!B32","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E32","v":360},{"$f":"'NAT sheet'!G32","v":0},{"$f":"'NAT sheet'!H32","v":0},0,null,{"$f":"'NAT sheet'!J32*12","v":120},{"$f":"'NAT sheet'!L32","v":0},{"$f":"M8","v":3.7999999999999999E-2},{"$f":"IF(J8<120,I$24,'NAT sheet'!K32)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,"Ontvangen partneralimentatie",null,null,{"$f":"'NAT sheet'!B18:C18","v":0},0]
[null,"Deel 4",{"$f":"'NAT sheet'!B34","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E34","v":360},{"$f":"'NAT sheet'!G34","v":0},{"$f":"'NAT sheet'!H34","v":0},0,null,{"$f":"'NAT sheet'!J34*12","v":120},{"$f":"'NAT sheet'!L34","v":0},3.7999999999999999E-2,{"$f":"IF(J9<120,I$24,'NAT sheet'!K34)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,"Inkomsten uit vermogen",null,null,null,null,null,null,"Keuze"]
[null,"Deel 5",{"$f":"'NAT sheet'!B36","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E36","v":360},{"$f":"'NAT sheet'!G36","v":0},{"$f":"'NAT sheet'!H36","v":0},0,null,{"$f":"'NAT sheet'!J36*12","v":120},{"$f":"'NAT sheet'!L36","v":0},3.7999999999999999E-2,{"$f":"IF(J10<120,I$24,'NAT sheet'!K36)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,"Huurinkomsten ",null,null,null,null,null,null,"JA"]
[null,"Deel 6",{"$f":"'NAT sheet'!B38","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E38","v":360},{"$f":"'NAT sheet'!G38","v":0},{"$f":"'NAT sheet'!H38","v":0},0,null,{"$f":"'NAT sheet'!J38*12","v":120},{"$f":"'NAT sheet'!L38","v":0},3.7999999999999999E-2,{"$f":"IF(J11<120,I$24,'NAT sheet'!K38)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,"Te betalen partneralimentatie",null,null,{"$f":"'NAT sheet'!B16:C16","v":0},0,null,null,"NEE"]
[null,"Deel 7",{"$f":"'NAT sheet'!B40","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E40","v":360},{"$f":"'NAT sheet'!G40","v":0},{"$f":"'NAT sheet'!H40","v":0},0,null,{"$f":"'NAT sheet'!J40*12","v":120},{"$f":"'NAT sheet'!L40","v":0},3.7999999999999999E-2,{"$f":"IF(J12<120,I$24,'NAT sheet'!K40)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,"Inkomen ",null,null,{"$f":"SUM(X5,X7:X8,X9:X10)-X11","v":0},{"$f":"SUM(Y5,Y7:Y8)-Y11","v":0}]
[null,"Deel 8",{"$f":"'NAT sheet'!B42","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E42","v":360},{"$f":"'NAT sheet'!G42","v":0},{"$f":"'NAT sheet'!H42","v":0},0,null,{"$f":"'NAT sheet'!J42*12","v":120},{"$f":"'NAT sheet'!L42","v":0},3.7999999999999999E-2,{"$f":"IF(J13<120,I$24,'NAT sheet'!K42)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,"Inkomen overige aanvragers ( max 2)",null,null,null,null,null,null,"Aflostypen"]
[null,"Deel 9",{"$f":"'NAT sheet'!B44","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E44","v":360},{"$f":"'NAT sheet'!G44","v":0},{"$f":"'NAT sheet'!H44","v":0},0,null,{"$f":"'NAT sheet'!J44*12","v":120},{"$f":"'NAT sheet'!L44","v":0},3.7999999999999999E-2,{"$f":"IF(J14<120,I$24,'NAT sheet'!K44)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,"Inkomen totaal",null,null,{"$f":"X12+Y12+X13","v":0},{"$f":"IF(AND(Y5=\"\",Y7=\"\",Y8=\"\",Y11=\"\",ToetsInkomen>cAlleenGrensO,ToetsInkomen<cAlleenGrensB),\"JA\",\"NEE\")","v":"NEE"},null,null,"Annuïteit"]
[null,"Deel 10",{"$f":"'NAT sheet'!B46","v":"Annuïteit"},360,{"$f":"'NAT sheet'!E46","v":360},{"$f":"'NAT sheet'!G46","v":0},{"$f":"'NAT sheet'!H46","v":0},0,null,{"$f":"'NAT sheet'!J46*12","v":120},{"$f":"'NAT sheet'!L46","v":0},3.7999999999999999E-2,{"$f":"IF(J15<120,I$24,'NAT sheet'!K46)","v":3.7999999999999999E-2},0,0,0,0,0,null,null,null,null,null,null,null,null,null,"Lineair"]
[null,"Totaal",null,{"$f":"IF(F16=0,360,(SUMPRODUCT(D6:D15,$F6:$F15)+SUMPRODUCT(D6:D15,$G6:$G15))/($F16+$G16))","v":360},{"$f":"IF(F16=0,360,(SUMPRODUCT(E6:E15,$F6:$F15)+SUMPRODUCT(E6:E15,$G6:$G15))/($F16+$G16))","v":360},{"$f":"SUM(F6:F15)","v":9.9999999999999995E-7},{"$f":"SUM(G6:G15)","v":0},{"$f":"SUM(H6:H15)","v":9.9999999999999995E-7},null,{"$f":"IF(F16=0,0,(SUMPRODUCT(J6:J15,$F6:$F15)+SUMPRODUCT(J6:J15,$G6:$G15))/($F16+$G16))","v":120},{"$f":"SUM(K6:K15)","v":0},{"$f":"IF(F16=0,cToetsRente,(SUMPRODUCT(L6:L15,F6:F15,E6:E15)+SUMPRODUCT(L6:L15,G6:G15,E6:E15))/(SUMPRODUCT(F6:F15,E6:E15)+SUMPRODUCT(G6:G15,E6:E15)))","v":3.7999999999999999E-2},{"$f":"IF(AND(F16=0,G16=0),cToetsRente,(SUMPRODUCT(M6:M15,F6:F15,E6:E15)+SUMPRODUCT(M6:M15,G6:G15,E6:E15))/(SUMPRODUCT(F6:F15,E6:E15)+SUMPRODUCT(G6:G15,E6:E15)))","v":3.7999999999999999E-2},{"$f":"SUM(N6:N15)","v":5.5914882119348574E-8},{"$f":"SUM(O6:O15)","v":0},{"$f":"SUM(P6:P15)","v":5.5914882119348574E-8},{"$f":"SUM(Q6:Q15)","v":0},{"$f":"SUM(R6:R15)","v":5.5914882119348574E-8},null,null,"Gewijzigd inkomen < 10 jaar",null,null,"Aanvrager","Partner",null,null,"Aflosvrij"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gewijzigd inkomen na AOW",null,null,"NEE","NEE",null,null,"Bankspaar"]
[null,"Ophoging bij 2 inkomens:",null,"Woonquote",null,null,null,{"$f":"'Maximale verstrekking'!C10","v":2024},null,null,"Woonquote gewijzigd inkomen",null,null,null,null,null,null,null,null,null,"Hoofdinkomen",null,null,null,null,null,null,"Spaar"]
[null,{"$f":"'Maximale verstrekking'!C2","v":1},null,"Inkomen tbv WQ (c21+c22)",null,null,{"$f":"C22+C21","v":0},{"$f":"INDEX(P24:P31,MATCH(X6,cSituaties,))&\"\"","v":""},"BOX3",{"$f":"IF(ISERROR(R35),\"B\",H19)","v":""},"Inkomen tbv WQ",null,null,{"$f":"MAX(X18+Y18*cFactor2eInkomen,Y18+X18*cFactor2eInkomen)","v":0},null,"2021AOW","BOX3",null,null,null,"Inkomen overige aanvragers ( max 2)"]
[null,null,null,"Toetsrente",null,null,{"$f":"ROUND(IF(F16+G16=0,cActuele10jrRente,M16),5)","v":3.7999999999999999E-2},"kolom","rij",null,null,null,null,{"$f":"ROUND(IF(F16+G16=0,cActuele10jrRente,ROUND(M16,25)),5)","v":3.7999999999999999E-2},null,"kolom","rij",null,null,null,"Totaal verminderd inkomen",null,null,{"$f":"X18+Y18+X19","v":0},{"$f":"IF(AND(Y18=\"\",ToetsInkomenMin>cAlleenGrensO,ToetsInkomenMin<cAlleenGrensB),\"JA\",\"NEE\")","v":"NEE"}]
[null,"Hoogstel",{"$f":"IF(X5>Y5,X5,Y5)","v":0},"Woonquote Box 1",null,null,{"$f":"+O34+O39","v":0.17},{"$f":"MATCH(ToetsRente,INDIRECT(\"'\"&$H$18&$H$19&\"'!4:4\",TRUE),1)","v":7},{"$f":"MATCH(ToetsInkomen,INDIRECT(\"'\"&$H$18&$H$19&\"'!$A:$A\",TRUE),1)","v":5},null,"Woonquote Box 1",null,null,{"$f":"INDEX(INDIRECT(\"'\"&P19&\"'!A:Z\",TRUE),Q21,P21)","v":{"$error":"#REF!"}},null,{"$f":"MATCH(ToetsRenteMin,INDIRECT(\"'\"&P19&\"'!4:4\",TRUE),1)","v":{"$error":"#REF!"}},{"$f":"MATCH(ToetsRenteMin,INDIRECT(\"'\"&P19&\"'!A:A\",TRUE),1)","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,null,null,"Constanten"]
[null,"Laagste",{"$f":"IF(X5<Y5,X5,Y5)*B19","v":0},"Woonquote Box 3",null,null,{"$f":"+O35+O40","v":0.125},{"$f":"IF(ISERROR(J22),MATCH(ToetsRente,INDIRECT(\"'\"&$H$18&\"B\"&$I$19&\"'!4:4\",TRUE),1),J22)","v":7},{"$f":"IFERROR(MATCH(ToetsInkomen,INDIRECT(\"'\"&$H$18&$H$19&$I$19&\"'!$A:$A\",TRUE),1),MATCH(ToetsInkomen,INDIRECT(\"'\"&$H$18&\"B\"&$I$19&\"'!$A:$A\",TRUE),1))","v":5},{"$f":"MATCH(ToetsRente,INDIRECT(\"'\"&$H$18&$H$19&$I$19&\"'!4:4\",TRUE),1)","v":7},"Woonquote Box 3",null,null,{"$f":"IFERROR(INDEX(INDIRECT(\"'\"&P19&Q19&\"'!A:Z\",TRUE),Q22,P22),0.000001)","v":9.9999999999999995E-7},null,{"$f":"MATCH(ToetsRenteMin,INDIRECT(\"'\"&P19&Q19&\"'!4:4\",TRUE),1)","v":{"$error":"#REF!"}},{"$f":"MATCH(ToetsRenteMin,INDIRECT(\"'\"&P19&Q19&\"'!A:A\",TRUE),1)","v":{"$error":"#REF!"}},null,null,null,"Energie label",null,null,null,null,null,null,"Toets rente",null,0.05]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Keuze energie label",null,null,"N.V.T",null,null,null,"Actuele 10 jaars rente Annuitair",null,0.05]
[null,null,null,"Woonlasten",null,null,null,"Toetsrente",{"$f":"'Financiële Gegevens'!P35","v":0.05},null,"Woonlasten gewijzigd inkomen",null,null,null,1,null,"Standaard",null,null,null,null,null,null,null,null,null,null,"Minimale RVP toetsrente",null,120]
[null,"VERBORGEN?",null,"Jaarlast ann",null,null,{"$f":"$N$16+$O$16","v":5.5914882119348574E-8},null,null,null,null,null,null,{"$f":"$N$16+$O$16","v":5.5914882119348574E-8},2,"AOW","Standaard met AOW",null,null,null,"Jaarlasten financiële verplichtingen",null,null,"Totaal",null,null,null,"Percentage 2e inkomen tbv Woonquote",null,0.8]
[null,null,null,"Toetsinkomen",null,null,{"$f":"X5+Y5","v":0},null,null,null,null,null,null,{"$f":"X20","v":0},3,"EMW","Echtpaar met werk",null,null,null,"Totaal limieten BKR-geregistreerd",null,null,null,null,null,null,"Looptijd (maanden)",null,360]
[null,null,null,"Lasten consumptief",null,null,{"$f":"X32","v":0},null,null,null,"Lasten consumptief",null,null,{"$f":"X32","v":0},6,"AMW","Alleenstaande met werk",null,null,null,"Totaal limieten niet BKR/geregistreerd",null,null,null,null,null,null,"Rekenfactor Studielening voor 1 sep 2015",null,0.09]
[null,null,null,"Ruimte jaarlast annuïtair",null,null,{"$f":"((G26*G22-O16)*G21/G22-N16)-G27","v":-5.5914882119348574E-8},null,null,null,"Ruimte jaarlast annuïtair",null,null,{"$f":"((N26*N22-O16)*N21/N22-N16)-N27","v":{"$error":"#REF!"}},4,"EZW","Echtpaar zonder werk",null,null,null,"Studie voorschot / Studie lening  (Oud)",null,null,null,null,null,null,"Alleenstaand ondergrens",null,21500]
[null,"Bij 1 inkomen:",null,"Ruimte jaarlast werkelijk",null,null,{"$f":"SUM(G30-R16)","v":-5.5914882119348574E-8},null,null,null,"Ruimte jaarlast werkelijk",null,null,{"$f":"SUM(N30-R16)","v":{"$error":"#REF!"}},7,"AZW","Alleenstaande zonder werk",null,null,null,"Studie voorschot / Studie lening(Nieuw)",null,null,null,null,null,null,"Alleenstaand bovengrens",null,31000]
[null,"Inkomen tenminste",null,"Maximale jaarlast ",null,null,{"$f":"SUM(G28+O16+N16)","v":0},null,null,null,"Maximale jaarlast ",null,null,{"$f":"SUM(N28+O16+N16)","v":{"$error":"#REF!"}},5,"EMA","Echtpaar met AOW",null,null,null,"Erfpachtcanon per jaar",null,null,null,null,null,null,"Alleenstaand correctie factor",null,0.03]
[null,{"$f":"'Maximale verstrekking'!C5","v":28000},null,null,null,null,null,null,null,null,null,null,null,null,8,"AMA","Alleenstaande met AOW",null,null,null,"Jaarlast overige kredieten & AK",null,null,{"$f":"'NAT sheet'!B11:C11","v":0},0,null,null,"Rekenfactor Studielening na 1 sep 2015",null,5.3999999999999999E-2]
[null,"Inkomen maximaal",null,"Max Hyp Annuitair",null,null,null,null,null,null,"Max Hyp Annuitair ",null,null,null,null,null,null,null,null,null,"Totale Jaarlast Verplichtingen ",null,null,{"$f":"(X26*24%)+(X27*24%)+(X28*cStudiefactor)+(X29*cStudiefactorNW)+X30+X31","v":0},null,null,null,"Max SMV waarde",null,1]
[null,{"$f":"'Maximale verstrekking'!C6","v":31000},null,"Max Hyp box 1 ",null,null,{"$f":"SUM(F16+G16+G35)","v":-0.99999999999999989},null,null,null,"Max Hyp box 1 ",null,null,{"$f":"SUM(F16+G16+N35)","v":{"$error":"#REF!"}},"Normale WQ","kolom","rij"]
[null,"Percentage ophoging",null,"Max Hyp box 3",null,null,{"$f":"SUM(F16+G16+G36)","v":-0.99999973529411756},null,null,null,"Max Hyp box 3",null,null,{"$f":"SUM(F16+G16+N36)","v":{"$error":"#REF!"}},{"$f":"INDEX(INDIRECT(\"'\"&$H$18&$H$19&\"'!A:Z\",TRUE),Q34,P34)","v":0.17},{"$f":"MATCH(ToetsRente,INDIRECT(\"'\"&$H$18&$H$19&\"'!4:4\",TRUE),1)","v":7},{"$f":"MATCH(ToetsInkomen,INDIRECT(\"'\"&$H$18&$H$19&\"'!$A:$A\",TRUE),1)","v":5},"normale BOX3",null,null,"Loan to Value",null,null,null,null,null,null,"Energie label"]
[null,{"$f":"'Maximale verstrekking'!C20","v":0},null,"ruimte box 1",null,null,{"$f":"IF(F16+G16=0,G28/PMT(cToetsRente/12,cLpt,-1,0)/12-1,SUM(G28/PMT(G20/12,cLpt,-1,0)/12-1))","v":-1.0000009999999999},null,null,null,"ruimte box 1",null,null,{"$f":"IF(F16+G16=0,N28/PMT(cToetsRente/12,cLpt,-1,0)/12-1,SUM(N28/PMT(G20/12,cLpt,-1,0)/12-1))","v":{"$error":"#REF!"}},{"$f":"IFERROR(INDEX(INDIRECT(\"'\"&$H$18&J19&$I$19&\"'!A:Z\",TRUE),Q35,P35),0.000001)","v":0.125},{"$f":"IF(ISERROR(R35),MATCH(ToetsRente,INDIRECT(\"'\"&$H$18&\"B\"&$I$19&\"'!4:4\",TRUE),1),R35)","v":7},{"$f":"IFERROR(MATCH(ToetsInkomen,INDIRECT(\"'\"&$H$18&$H$19&$I$19&\"'!$A:$A\",TRUE),1),MATCH(ToetsInkomen,INDIRECT(\"'\"&$H$18&\"B\"&$I$19&\"'!$A:$A\",TRUE),1))","v":5},{"$f":"MATCH(ToetsRente,INDIRECT(\"'\"&$H$18&$H$19&$I$19&\"'!4:4\",TRUE),1)","v":7},null,null,"Totale hoofdsom",null,{"$f":"SUM(F16+G16)","v":9.9999999999999995E-7},null,null,null,null,"N.V.T."]
[null,"ophoging factor",null,"ruimte box 3",null,null,{"$f":"SUM(G28/(G21/G22))/PMT(G20/12,cLpt,-1,0)/12-1","v":-1.0000007352941176},null,null,null,"ruimte box 3",null,null,{"$f":"SUM(N28/(N21/N22))/PMT(G20/12,cLpt,-1,0)/12-1","v":{"$error":"#REF!"}},null,null,null,null,null,null,"Marktwaarde",null,100000,null,null,null,null,"A++"]
[null,{"$f":"AND(C22=0,C21>=B31,C21<=B33)*1","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SMV",null,{"$f":"IF(W36=0,100,ROUND(W35/W36,3))","v":0},null,null,null,null,"EPC 0,6 of lager"]
[null,"G21,G22 quote is te laag",null,"Max Hyp Niet Annuitair",null,null,null,null,null,null,"Max Hyp Niet Annuitair",null,null,null,"Ophoging",null,{"$f":"+B33","v":31000},null,null,null,null,null,null,null,null,null,null,"EPC 0 of lager"]
[null,null,null,"Max Hyp box 1 ",null,null,{"$f":"SUM(F16+G16+G41)","v":-0.99999999999999989},null,null,null,"Max Hyp box 1 ",null,null,{"$f":"SUM(F16+G16+N41)","v":{"$error":"#REF!"}},{"$f":"MIN(B35,INDEX(INDIRECT(\"'\"&$H$18&$H$19&\"'!A:Z\",TRUE),Q39,H21)-O34)*B37","v":0},null,{"$f":"MATCH(NAT_max1ink,INDIRECT(\"'\"&$H$18&$H$19&\"'!$A:$A\",TRUE),1)","v":9},null,null,null,"Dubbele lasten ",null,null,null,null,null,null,"NulopdeMeter"]
[null,null,null,"Max Hyp box 3",null,null,{"$f":"SUM(F16+G16+G42)","v":-0.99999973529411756},null,null,null,"Max Hyp box 3",null,null,{"$f":"SUM(F16+G16+N42)","v":{"$error":"#REF!"}},{"$f":"MIN(IFERROR(INDEX(INDIRECT(\"'\"&$H$18&IF(ISERROR(J22),\"B\",\"\")&I19&\"'!A:Z\",TRUE),Q40,H22),G22)-O35,B35)*B37","v":0},null,{"$f":"IFERROR(MATCH(NAT_max1ink,INDIRECT(\"'\"&$H$18&$H$19&$I$19&\"'!$A:$A\",TRUE),1),MATCH(NAT_max1ink,INDIRECT(\"'\"&$H$18&\"B\"&$I$19&\"'!$A:$A\",TRUE),1))","v":9},null,null,null,"Werkelijke lasten lopende hypotheken"]
[null,null,null,"ruimte box 1",null,null,{"$f":"IF(F16+G16=0,G29/PMT(cToetsRente/12,cLpt,-1,0)/12-1,SUM(G29/PMT(G20/12,cLpt,-1,0)/12-1))","v":-1.0000009999999999},null,null,null,"ruimte box 1",null,null,{"$f":"IF(F16+G16=0,N29/PMT(cToetsRente/12,cLpt,-1,0)/12-1,SUM(N29/PMT(G20/12,cLpt,-1,0)/12-1))","v":{"$error":"#REF!"}},null,null,null,null,null,null,"Werkelijke lasten overbruggingsfinanciering"]
[null,null,null,"ruimte box 3",null,null,{"$f":"SUM(G29/(G21/G22))/PMT(G20/12,cLpt,-1,0)/12-1","v":-1.0000007352941176},null,null,null,"ruimte box 3",null,null,{"$f":"SUM(N29/(N21/N22))/PMT(G20/12,cLpt,-1,0)/12-1","v":{"$error":"#REF!"}},null,null,null,null,null,null,"Werkelijke lasten aan te vragen hypotheek",null,null,null,{"$f":"R16","v":5.5914882119348574E-8}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal",null,null,null,{"$f":"SUM(Y40:Y42)","v":5.5914882119348574E-8}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Y40+Y41=0,\"\",IF(Y43>G30,\"Let op: Dubbele lasten hoger dan toegestaan, klant moet aangeven hoe hij deze lasten gaat dragen\",\"\"))","v":""}]

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[]
[]
[]
[null,"Inkomen aanvrager",null,null,{"$f":"IF(K28=0,\"\",\"Toetsrente\")","v":"Toetsrente"},null,null,{"$f":"ToetsRente","v":3.7999999999999999E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG17","v":0},null,null,null,null,"Inkomen 1e",null,{"$f":"Algemeen!E15","v":0}]
[null,{"$f":"Algemeen!E15","v":0},null,null,"WQ box 1",null,null,{"$f":"NATtest!G21","v":0.17},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG18","v":0},null,null,null,null,"Inkomen 2e ",null,{"$f":"Algemeen!M12","v":0}]
[null,null,null,null,"WQ box 3",null,null,{"$f":"NATtest!G22","v":0.125},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG20","v":19777},null,null,null,null,"Inkomen 1e AOW",null,{"$f":"Pensioen!E34","v":19777}]
[null,{"$f":"IF(Algemeen!BT13=1,\"\",\"Inkomen partner\")","v":"Inkomen partner"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG21","v":13481},null,null,null,null,"Inkomen 2e AOW",null,{"$f":"Pensioen!M34","v":13481}]
[null,{"$f":"Algemeen!M15","v":0},null,null,{"$f":"Algemeen!B29&\" \"&Algemeen!E30","v":"Maximale hypotheek 2024"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Resultaat keuze voor WQ"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Krediet/erfpacht pj",null,null,{"$f":"IF(AE9>2,\"\",\"Gedragscode\")","v":"Gedragscode"},null,null,{"$f":"IF(AE9>2,\"\",S20)+Gegevens!H435","v":15999},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(AE9,NATtest!O24:Q31,3,FALSE)","v":"Standaard"}]
[null,{"$f":"(Algemeen!F20+Algemeen!F21)*12","v":0}]
[null,null,null,null,{"$f":"IF(AE9>2,\"Beheerstoets\",\"Werkelijke lastentoets\")","v":"Werkelijke lastentoets"},null,null,{"$f":"S26+Gegevens!H435","v":15999},null,null,null,null,null,null,"Hypotheeksom ingevoerd op ALGEMEEN",null,null,null,{"$f":"alg_hypsom","v":0},null,null,null,null,null,null,null,null,null,null,null,"Aflosvrij "]
[null,"Partner alimentatie",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuïteit"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Marktwaarde ingevuld op ALGEMEEN",null,null,null,{"$f":"'Vrije Keuze'!G8:K8","v":0},0,0,0,0,null,null,null,null,null,null,null,"Lineair"]
[null,"Te betalen pj:",null,null,{"$f":"IF(AND(G28=0,H28=0),\" \",\"Ingevulde lening totaal \")","v":"Ingevulde lening totaal "},null,null,{"$f":"SUM(G28:H46)","v":-1},null,null,null,null,null,null,"Verhouding MW/HYP o.b.v. van NAT sheet",null,null,null,{"$f":"IF(S14>0,H15/S14,0)","v":0}]
[null,{"$f":"Algemeen!F22*12","v":0},null,null,"Energielabel",null,null,"Extra lening"]
[null,"Te ontvangen pj:",null,null,{"$f":"IF(AlgemeenOUD!F67<3,Algemeen!E38,\"\")","v":"EFG of onbekend"},null,null,{"$f":"Gegevens!H426+Gegevens!E454","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen A",null,{"$f":"Algemeen!$E$15","v":0}]
[null,null,null,null,{"$f":"IF(AlgemeenOUD!F67<3,\"De eventuele verhoging is opgenomen in de maximale hypotheek\",\"\" )","v":"De eventuele verhoging is opgenomen in de maximale hypotheek"},null,null,null,null,null,null,null,null,null,"Maximaal annuïtair",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen B",null,{"$f":"Algemeen!$M$15","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximale hypotheek",null,null,null,{"$f":"NATtest!G33","v":-0.99999999999999989}," ",null,null,null,null,null,null,null,null,null,null,"Pensioen A",null,{"$f":"'Pensioen uitvoer'!B16","v":19777}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuitair vastgestelde lasten pm",null,null,null,{"$f":"(NATtest!N16+NATtest!O16)/12","v":4.6595735099457142E-9},null,null,null,null,null,null,null,null,null,null,null,"Pensioen B",null,{"$f":"'Pensioen uitvoer'!E16","v":13481}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S22<0,\"Tekort\",\"Ruimte\")","v":"Tekort"},null,null,null,{"$f":"NATtest!G35","v":-1.0000009999999999}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen A",null,{"$f":"AG17","v":0}]
[null,null,null,null,"Looptijd",null,"Hypotheek","Hypotheek",null,"Jaar ","Toets","Inleg",null,null,"Maximaal niet-annuïtair",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen B",null,{"$f":"AG18","v":0}]
[null,"Vorm",null,null,"Maanden",null,"Box 1","Box 3",null,"vast","Rente","per jaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Maximale hypotheek",null,null,null,{"$f":"NATtest!G39","v":-0.99999999999999989},null,null,null,null,null,null,null,null,null,null,null,"Pensioen A",null,{"$f":"AG20","v":19777}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vastgestelde werkelijke lasten pm",null,null,null,{"$f":"(NATtest!P16+NATtest!Q16)/12","v":4.6595735099457142E-9},null,null,null,null,null,null,null,null,null,null,null,"Pensioen B",null,{"$f":"AG21","v":13481}]
[1,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,{"$f":"alg_hypsom-1","v":-1},null,null,{"$f":"Algemeen!E26","v":10},{"$f":"Algemeen!E25","v":3.7999999999999999E-2},null,null,null,{"$f":"IF(S28<0,\"Tekort\",\"Ruimte\")","v":"Tekort"},null,null,null,{"$f":"NATtest!G41","v":-1.0000009999999999}]
[]
[2,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[3,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[4,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[5,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[6,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[7,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[8,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[9,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[]
[10,"Annuïteit",null,null,{"$f":"Alg_loopt*12","v":360},null,null,null,null,10,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]

{"sheet":"Maximale verstrekking","index":35,"n_rows":74,"n_cols":267,"rows_kept":74,"cut":false,"hidden":true,"merged":[[10,34,10,35]]}
["uitleg",null,null,null," samen"," alleen 1e aanvrager"," alleen 2e aanvrager"," alleen 1e aanvr 70% AO&WW","alleen 1e 70% AO&WW+aanvul"," alleen 2e aanvrager 70%"," alleen 2e aanv 70%+aanvul"," alleen beiden 70%"," overlijden 1e"," overlijden 2e",65,65,"Bij overlijden EN ouder dan 66    1e AANVRAGER","Bij overlijden EN ouder dan 66    2e AANVRAGER","Optimum samen","Optimum Alleen","Rekenrente samen","Rekenrente Alleen","bijVrijeKeuze",null,null,null,null,null,null,null,null," alleen 1e aanvrager"," alleen 2e aanvrager",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE",null,null,null,null,null,null,null,null,null,"HIDE","HIDE"]
["percentage van tweede inkomen dat meegeteld mag worden, van 30% naar 50% gegaan","Tweede inkomen meetellen voor:",{"$f":"IF(Algemeen!G29=2022,90%,100%)","v":1}]
["Instelling in welke rij de percentages staan. Deze hoeft maar één keer ingesteld te worden","Percentage staat op rij:",4]
["Zelfde voor waar de inkomensgrenzen in de bladen 2016, 2016AOW etc staan.","Inkomens staan in kolom","A"]
["Minimum voor ophoging voor alleenstaande","Min inkomen voor ophoog",28000,-5000]
["Maximum voor ophoging","Max inkomen voor ophoog",31000,"Checks:"]
["Onder deze grens wordt het rentepercentage wat hieronder staat genomen","Minimale rentevaste periode",10,{"$f":"INDEX(INDIRECT(\"'\"&C10&\"'!A:A\"),C32)","v":35000}]
[null,"Anders rente",0.05,{"$f":"INDEX(INDIRECT(\"'\"&C10&\"'!2:2\"),C30)","v":"3,501–4,000%"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aantal",{"$f":"COUNTA(AJ12:AJ33)","v":9}]
[null,"Maandlast aflosvrijdeel",{"$f":"'optimaalberekening J'!C20","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Keuze:",7,{"$f":"OR(AK9=1,AK9=6)","v":false}]
[null,"Jaar",{"$f":"Algemeen!G29","v":2024}]
["WAAR als de AOW tabel genomen moet worden, kan WAAR of ONWAAR ingezet",{"$f":"IF(isdemo,\"\",\"AOW\")","v":"AOW"},null,null,false,false,false,false,false,false,false,false,false,false,true,true,true,true,false,false,false,false,false,null,null,null,null,null,null,null,null,false,false]
["WAAR als alleenstaand, anders ONWAAR","Relatie is 'alleenstaand'?",true,null,{"$f":"AlgemeenOUD!C7=1","v":true},{"$f":"E12","v":true},{"$f":"F12","v":true},true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,true,{"$f":"W12","v":true},true,true,true,true,true,true,true,{"$f":"AE12","v":true},{"$f":"AF12","v":true},null,1,"ING zonder 3%",1,0]
["rentepercentage van de bank","Rente per jaar:",{"$f":"E13","v":3.799999999999825E-2},null,3.799999999999825E-2,{"$f":"+E13","v":3.799999999999825E-2},{"$f":"+F13","v":3.799999999999825E-2},3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,{"$f":"'optimaalberekening J'!B12","v":4.0010000000000004E-2},{"$f":"+S13","v":4.0010000000000004E-2},{"$f":"'Financiële Gegevens'!C49","v":0.05},{"$f":"U13","v":0.05},{"$f":"IFERROR('Vrije Keuze'!AR21,E13)","v":3.799999999999825E-2},{"$f":"ReBa!F21","v":3.7999999999999999E-2},{"$f":"+X13","v":3.7999999999999999E-2},3.7999999999999999E-2,3.7999999999999999E-2,3.7999999999999999E-2,3.7999999999999999E-2,3.7999999999999999E-2,3.7999999999999999E-2,{"$f":"+AE13","v":3.7999999999999999E-2},{"$f":"+AF13","v":3.7999999999999999E-2},null,2,"Florius met 3%",2,0.03]
["rentevaste periode die gekozen is","Rentevaste periode",10,null,{"$f":"Algemeen!$E$26","v":10},{"$f":"+E14","v":10},{"$f":"+F14","v":10},10,10,10,10,10,10,10,10,10,10,10,{"$f":"+R14","v":10},{"$f":"+S14","v":10},{"$f":"+T14","v":10},10,30,30,30,30,30,30,30,30,30,{"$f":"+AE14","v":30},{"$f":"+AF14","v":30},null,3,"ABN met 3%",3,0.03]
["hypotheekbedrag dat in box 3 valt","Box 3 hypotheekbedrag",300000,null,{"$f":"+AlgemeenOUD!F29","v":0},{"$f":"+E15","v":0},0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"+R15","v":0},{"$f":"+S15","v":0},0,0,0,0,{"$f":"+X15","v":0},0,0,0,0,0,0,{"$f":"IF('Scheiding uitvoer'!O$7=TRUE,0,+AE15)","v":0},{"$f":"IF('Scheiding uitvoer'!P$7=TRUE,0,+AF15)","v":0},null,4,"MUNT met 3%",4,0.03]
["looptijd van de lening","Looptijd in maanden:",360,null,{"$f":"+AlgemeenOUD!C123","v":360},360,360,360,360,360,360,360,360,360,360,360,360,360,{"$f":"+R16","v":360},{"$f":"+S16","v":360},360,360,360,360,360,360,360,360,360,360,360,360,{"$f":"+AF16","v":360},null,5,"Obvion met 3%",5,0.03]
["andere verplichtingen","PL / DK / financiele verplichting",0,null,{"$f":"AlgemeenOUD!C28*12","v":0},0,0,0,0,0,0,0,0,0,{"$f":"Pensioen!N39*12","v":0},0,{"$f":"+N17","v":0},0,{"$f":"+R17","v":0},{"$f":"+S17","v":0},0,0,0,0,0,0,0,0,0,0,0,{"$f":"IF('Scheiding uitvoer'!O$6=TRUE,0,+AE17)","v":0},{"$f":"IF('Scheiding uitvoer'!P$6=TRUE,0,+AF17)","v":0},null,6,"Overig zonder 3%",6,0]
["Eerste inkomen","Inkomen 1:",35000,null,{"$f":"AlgemeenOUD!C13+(AlgemeenOUD!F22*3%)","v":19777},{"$f":"AlgemeenOUD!C13+(AlgemeenOUD!F22*3%)","v":19777},{"$f":"AlgemeenOUD!F13+(AlgemeenOUD!F22*3%)","v":0},{"$f":"'AO uitvoer'!C12+'AO uitvoer'!C9","v":0},{"$f":"+hik_inkomen-I19","v":-8130.0000003289115},{"$f":"AlgemeenOUD!C13","v":19777},{"$f":"AlgemeenOUD!C13","v":19777},{"$f":"'AO uitvoer'!C9+'AO uitvoer'!C12","v":0},{"$f":"'ORV advies'!B14","v":0},{"$f":"'ORV advies'!E14","v":0},{"$f":"'Pensioen uitvoer'!B16","v":19777},{"$f":"O18","v":19777},{"$f":"'ORV advies'!B14","v":0},{"$f":"'ORV advies'!E14","v":0},{"$f":"+E18","v":19777},{"$f":"+F18","v":19777},{"$f":"+E18","v":19777},{"$f":"+F18","v":19777},{"$f":"+E18","v":19777},{"$f":"+W18","v":19777},19777,19777,19777,19777,19777,19777,19777,{"$f":"F18","v":19777},{"$f":"G18","v":0},null,7,"Overig met 3%",7,0.03]
["Tweede inkomen","Inkomen 2:",null,null,{"$f":"AlgemeenOUD!F13","v":0},0,0,{"$f":"AlgemeenOUD!F13","v":0},{"$f":"AlgemeenOUD!F13","v":0},{"$f":"'AO uitvoer'!C27+'AO uitvoer'!C24","v":0},{"$f":"hik_inkomen2-K18","v":-19777.000000210563},{"$f":"'AO uitvoer'!C27+'AO uitvoer'!C24","v":0},0,0,{"$f":"IF(AlgemeenOUD!C7>1,'Pensioen uitvoer'!E16,0)","v":0},{"$f":"O19","v":0},0,0,{"$f":"+E19","v":0},{"$f":"+F19","v":0},{"$f":"+E19","v":0},{"$f":"+F19","v":0},{"$f":"+E19","v":0},{"$f":"+W19","v":0},0,0,0,0,0,0,0,0,0,null,8,"Aegon met 3%",8,0.03]
["De ruimte die de bank toestaat voor alleenstaande om bij quote op te tellen.","Max ruimte bank",{"$f":"IF(C10<2024,3%,0)","v":0},null,{"$f":"IF(C10<2024,0,INDEX(AL12:AL26,AK9))","v":0.03},{"$f":"+E20","v":0.03},0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,0.03,null,9,"NIBC met 3%",9,0.03]
["Eventueel erfpachtcanon","Erfpachtcanon",null,null,{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},{"$f":"AlgemeenOUD!$C31","v":0},null,10]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11]
["Het inkomen voor toetsing","Toetsinkomen:",{"$f":"C25+($C$2*C24)*NOT(C12)","v":35000},null,{"$f":"E25+($C$2*E24)*NOT(E12)","v":19777},{"$f":"F25+($C$2*F24)*NOT(F12)","v":19777},0,0,0,19777,19777,0,0,0,19777,19777,0,0,19777,19777,19777,19777,19777,19777,19777,19777,19777,19777,19777,19777,19777,{"$f":"AF25+($C$2*AF24)*NOT(AF12)","v":19777},{"$f":"AG25+($C$2*AG24)*NOT(AG12)","v":0},null,12]
["Laagste","Laagste",{"$f":"MIN(C18,C19*1)","v":0},null,{"$f":"MIN(E18,E19*1)","v":0},0,0,0,-8130.0000003289115,0,-19777.000000210563,0,0,0,0,0,0,0,0,0,0,0,{"$f":"MIN(W18,W19*1)","v":0},0,0,0,0,0,0,0,0,0,0,null,13]
["Hoogste","Hoogste",{"$f":"MAX(C18,C19)","v":35000},null,{"$f":"MAX(E18,E19)","v":19777},19777,0,0,0,19777,19777,0,0,0,19777,19777,0,0,19777,19777,19777,19777,{"$f":"MAX(W18,W19)","v":19777},19777,19777,19777,19777,19777,19777,19777,19777,19777,0,null,14]
["Gesamelijk inkomen","Verzamelinkomen",{"$f":"SUM(C18:C19)","v":35000},null,{"$f":"SUM(E18:E19)","v":19777},19777,0,0,-8130.0000003289115,19777,-2.1056257537566125E-7,0,0,0,19777,19777,0,0,19777,19777,19777,19777,{"$f":"SUM(W18:W19)","v":19777},{"$f":"IF(X12,X23,SUM(X18:X19))","v":19777},{"$f":"IF(Y12,Y23,SUM(Y18:Y19))","v":19777},{"$f":"IF(Z12,Z23,SUM(Z18:Z19))","v":19777},19777,19777,19777,19777,19777,{"$f":"SUM(AF18:AF19)","v":19777},{"$f":"SUM(AG18:AG19)","v":0},null,15]
[null,{"$f":"\"Box3 + 1e-6 ivm #deel0 in rij \"&ROW(B59)","v":"Box3 + 1e-6 ivm #deel0 in rij 59"},{"$f":"+C15+0.000001","v":300000.00000100001},null,{"$f":"+E15+0.000001","v":9.9999999999999995E-7},9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,{"$f":"+X15+0.000001","v":9.9999999999999995E-7},9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7,9.9999999999999995E-7]
["Rente waarmee gerekend mag worden, ivm rentevaste periode","Rekenrente",{"$f":"IF(C14<$C$7,$C$8,C13)","v":3.799999999999825E-2},null,{"$f":"IF(E14<$C$7,$C$8,E13)","v":3.799999999999825E-2},{"$f":"IF(F14<$C$7,$C$8,F13)","v":3.799999999999825E-2},3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,3.799999999999825E-2,{"$f":"IF(S14<$C$7,$C$8,S13)","v":4.0010000000000004E-2},4.0010000000000004E-2,0.05,0.05,{"$f":"IF(W14<$C$7,$C$8,W13)","v":3.799999999999825E-2},{"$f":"Vergelijk!AD35","v":{"$error":"#DIV/0!"}},{"$f":"Vergelijk!AE35","v":{"$error":"#DIV/0!"}},{"$f":"Vergelijk!AF35","v":{"$error":"#DIV/0!"}},{"$f":"Vergelijk!AG35","v":{"$error":"#DIV/0!"}},{"$f":"Vergelijk!AH35","v":0.05},{"$f":"Vergelijk!AI35","v":{"$error":"#DIV/0!"}},{"$f":"Vergelijk!AJ35","v":{"$error":"#DIV/0!"}},{"$f":"Vergelijk!AK35","v":{"$error":"#DIV/0!"}},{"$f":"IF(AF14<$C$7,$C$8,AF13)","v":3.7999999999999999E-2},{"$f":"IF(AG14<$C$7,$C$8,AG13)","v":3.7999999999999999E-2}]
["In welk blad moet gekeken worden","Haal quotes uit blad",{"$f":"$C$10&IF(C11,$B$11,\"\")","v":"2024"},null,{"$f":"$C$10&IF(E11,$B$11,\"\")","v":"2024"},"2024","2024","2024","2024","2024","2024","2024","2024","2024","2024AOW","2024AOW","2024AOW","2024AOW","2024","2024","2024","2024","2024","2024","2024","2024","2024","2024","2024","2024","2024","2024","2024"]
["En waar staat het rentepercentage","Percentage staat in kolom",{"$f":"MATCH(C28,INDIRECT(\"'\"&$C$10&\"'!\"&$C$3&\":\"&$C$3),1)","v":7},null,{"$f":"MATCH(E28,INDIRECT(\"'\"&$C$10&\"'!\"&$C$3&\":\"&$C$3),1)","v":7},7,7,7,7,7,7,7,7,7,7,7,7,7,8,8,9,9,7,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},9,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},7,7]
["Normaal"]
["In welke rij in dit blad staat het inkomen","Inkomen staat op rij",{"$f":"MATCH(C23,INDIRECT(\"'\"&C$29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":13},null,{"$f":"MATCH(E23,INDIRECT(\"'\"&E$29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":5},5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5]
["Opgezocht","Woonquote",{"$f":"INDIRECT(\"'\"&C29&\"'!R\"&C32&\"K\"&C30,FALSE)","v":0.22},null,{"$f":"INDIRECT(\"'\"&E29&\"'!R\"&E32&\"K\"&E30,FALSE)","v":0.17},0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.185,0.185,0.185,0.185,0.17499999999999999,0.17499999999999999,0.18,0.18,0.17,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.18,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.17,0.17]
["Zoeken naar rij van inkomen van bovengrens",{"$f":"\"Inkomen bij \"&$C$6&\" staat in rij:\"","v":"Inkomen bij 31000 staat in rij:"},{"$f":"MATCH($C$6,INDIRECT(\"'\"&C29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":9},null,{"$f":"MATCH($C$6,INDIRECT(\"'\"&E29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":9},9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9]
["Percentage dat daarbij hoort",{"$f":"\"Woonquote bij \"&C6","v":"Woonquote bij 31000"},{"$f":"INDIRECT(\"'\"&C29&\"'!R\"&C34&\"K\"&C30,FALSE)","v":0.20499999999999999},null,{"$f":"INDIRECT(\"'\"&E29&\"'!R\"&E34&\"K\"&E30,FALSE)","v":0.20499999999999999},0.20499999999999999,0.20499999999999999,0.20499999999999999,0.20499999999999999,0.20499999999999999,0.20499999999999999,0.20499999999999999,0.20499999999999999,0.20499999999999999,0.245,0.245,0.245,0.245,0.215,0.215,0.22,0.22,0.20499999999999999,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.22,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.20499999999999999,0.20499999999999999]
["Box3"]
["Zoeken in Box3 tabel","In Box3 tab",{"$f":"MATCH(C23,INDIRECT(\"'\"&$C$29&\"BOX3'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":13},null,{"$f":"MATCH(E23,INDIRECT(\"'\"&E29&\"BOX3'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":5},5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5]
["Rente percentage","Woonquote BOX3",{"$f":"INDIRECT(\"'\"&$C$29&\"BOX3'!R\"&C37&\"K\"&C30,FALSE)","v":0.16500000000000001},null,{"$f":"INDIRECT(\"'\"&E29&\"BOX3'!R\"&E37&\"K\"&E30,FALSE)","v":0.125},0.125,0.125,0.125,0.125,0.125,0.125,0.125,0.125,0.125,0.18,0.18,0.18,0.18,0.125,0.125,0.13,0.13,0.125,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.13,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.125,0.125]
["Zoeken naar rij van inkomen van bovengrens",{"$f":"\"Inkomen bij \"&$C$6&\" staat in rij:\"","v":"Inkomen bij 31000 staat in rij:"},{"$f":"MATCH($C$6,INDIRECT(\"'\"&$C$29&\"BOX3'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":9},null,{"$f":"MATCH($C$6,INDIRECT(\"'\"&$C$29&\"BOX3'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":9},9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9]
["Percentage dat daarbij hoort",{"$f":"\"Woonquote bij \"&C10","v":"Woonquote bij 2024"},{"$f":"INDIRECT(\"'\"&C29&\"BOX3'!R\"&C39&\"K\"&C30,FALSE)","v":0.14499999999999999},null,{"$f":"INDIRECT(\"'\"&E29&\"BOX3'!R\"&E39&\"K\"&E30,FALSE)","v":0.14499999999999999},0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.21999999999999997,0.21999999999999997,0.21999999999999997,0.21999999999999997,0.14499999999999999,0.14499999999999999,0.15,0.15,0.14499999999999999,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.15,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.14499999999999999,0.14499999999999999]
["Normaal"]
["Verschil tussen woonquote en die bij max geeft ophoogruimte","Ophoogruimte in quote",{"$f":"MAX(0,C35-C33)","v":0},null,{"$f":"MAX(0,E35-E33)","v":3.4999999999999976E-2},3.4999999999999976E-2,3.4999999999999976E-2,3.4999999999999976E-2,3.4999999999999976E-2,3.4999999999999976E-2,3.4999999999999976E-2,3.4999999999999976E-2,3.4999999999999976E-2,3.4999999999999976E-2,0.06,0.06,0.06,0.06,4.0000000000000008E-2,4.0000000000000008E-2,4.0000000000000008E-2,4.0000000000000008E-2,3.4999999999999976E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},4.0000000000000008E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},3.4999999999999976E-2,3.4999999999999976E-2]
["Kan er verhoogt worden, adhv min inkomen, max inkomen, alleenstaand?","Mogelijke ophoogruimte",{"$f":"IF(AND($C$12,$C$19*1=0,C23>$C$5,C23<$C$6),MIN(C42,$C$20),0)","v":0},null,{"$f":"IF(AND($C$12,$C$19*1=0,E23>$C$5,E23<$C$6),MIN(E42,$C$20),0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["Box3"]
["Verschil tussen woonquote en die bij max geeft ophoogruimte","Ophoogruimte in quote",{"$f":"MAX(0,C40-C38)","v":0},null,{"$f":"MAX(0,E40-E38)","v":1.999999999999999E-2},1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,3.999999999999998E-2,3.999999999999998E-2,3.999999999999998E-2,3.999999999999998E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,1.999999999999999E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},1.999999999999999E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},1.999999999999999E-2,1.999999999999999E-2]
["Kan er verhoogt worden, adhv min inkomen, max inkomen, alleenstaand?","Mogelijke ophoogruimte",{"$f":"IF(AND($C$12,$C$19*1=0,C23>$C$5,C23<$C$6),MIN(C45,$C$20),0)","v":0},null,{"$f":"IF(AND($C$12,$C$19*1=0,E23>$C$5,E23<$C$6),MIN(E45,$C$20),0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
["Quote waarmee gerekend wordt","Rekenquote",{"$f":"+C43+C33","v":0.22},null,{"$f":"+E43+E33","v":0.17},0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.17,0.185,0.185,0.185,0.185,0.17499999999999999,0.17499999999999999,0.18,0.18,0.17,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.18,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.17,0.17]
["Quote voor Box 3","Rekenquote BOX3",{"$f":"+C38+C46","v":0.16500000000000001},null,{"$f":"+E38+E46","v":0.125},0.125,0.125,0.125,0.125,0.125,0.125,0.125,0.125,0.125,0.18,0.18,0.18,0.18,0.125,0.125,0.13,0.13,0.125,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.13,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.125,0.125]
["Norm uitgaande van rekenquote","NHG norm -> Woonlast per jaar:",{"$f":"(C48*C26)-C17","v":7700},null,{"$f":"(E48*E26)-E17","v":3362.09},3362.09,0,0,-1382.100000055915,3362.09,-3.5795637813862414E-8,0,0,0,3658.7449999999999,3658.7449999999999,0,0,3460.9749999999999,3460.9749999999999,3559.8599999999997,3559.8599999999997,3362.09,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},3559.8599999999997,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},3362.09,0]
[]
["Termijnbedrag om Box3 lening af te lossen, uitgaande van looptijd in C15","Termijnbedrag Box 3 lening",{"$f":"-PMT(C28/12,C16,C27,0,0)","v":1397.8720529883437},null,{"$f":"-PMT(E28/12,E16,E27,0,0)","v":4.6595735099456133E-9},4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.6595735099456133E-9,4.7747294852446707E-9,4.7747294852446707E-9,5.3682162301213898E-9,5.3682162301213898E-9,4.6595735099456133E-9,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},5.3682162301213898E-9,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},4.6595735099457142E-9,4.6595735099457142E-9]
["Annuiteit","Annuïteitenfactor",{"$f":"C27/C52","v":214.61191627636151},null,{"$f":"E27/E52","v":214.61191627636151},214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,214.61191627636151,209.43594879883696,209.43594879883696,186.28161704607552,186.28161704607552,214.61191627636151,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},186.28161704607552,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},214.61191627635688,214.61191627635688]
["Toepassing van regel in artikel 7.7","Box 3 last",{"$f":"IF(C27*1=0,0,((1/C53)*C27)*C48/C49)","v":1863.8294039844584},null,{"$f":"IF(E27*1=0,0,((1/E53)*E27)*E48/E49)","v":6.3370199735260346E-9},6.3370199735260346E-9,6.3370199735260346E-9,6.3370199735260346E-9,6.3370199735260346E-9,6.3370199735260346E-9,6.3370199735260346E-9,6.3370199735260346E-9,6.3370199735260346E-9,6.3370199735260346E-9,4.7890061074441029E-9,4.7890061074441029E-9,4.7890061074441029E-9,4.7890061074441029E-9,6.6846212793425382E-9,6.6846212793425382E-9,7.4329147801680772E-9,7.4329147801680772E-9,6.3370199735260346E-9,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},7.4329147801680772E-9,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},6.3370199735261719E-9,6.3370199735261719E-9]
["Wat mag klant per maand besteden","Termijnbedrag per maand ",{"$f":"C50/12-C21/12-C54","v":-1222.1627373177917},null,{"$f":"E50/12-E21/12-E54","v":280.17416666032966},280.17416666032966,-6.3370199735260346E-9,-6.3370199735260346E-9,-115.1750000109966,280.17416666032966,-9.3199897913479027E-9,-6.3370199735260346E-9,-6.3370199735260346E-9,-6.3370199735260346E-9,304.89541666187768,304.89541666187768,-4.7890061074441029E-9,-4.7890061074441029E-9,288.41458332664871,288.41458332664871,296.65499999256707,296.65499999256707,280.17416666032966,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},296.65499999256707,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},280.17416666032966,-6.3370199735261719E-9]
["En de daarbij behorende hypotheek (hier wordt de Box3 hypotheek opgeteld)","Hypotheekbedrag (incl BOX3)",{"$f":"MAX(-PV(C28/12,C16,C55)+C27,C59)","v":103281.98470799898},null,{"$f":"IF(Algemeen!CI14=3,Algemeen!CI18,IF(Algemeen!CI14=2,Algemeen!CI20,MAX(0,MAX(-PV(E28/12,E16,E55)+E27,E59))))","v":60128.714799106216},{"$f":"IF(Algemeen!CI14=3,Algemeen!CI18,IF(Algemeen!CI14=2,Algemeen!CI20,MAX(0,MAX(-PV(F28/12,F16,F55)+F27,F59))))","v":60128.714799106216},{"$f":"MAX(0,MAX(-PV(G28/12,G16,G55)+G27,G59))","v":0},0,0,60128.714799106216,0,0,0,0,65434.189634685456,65434.189634685456,0,0,60404.381907437317,60404.381907437317,55261.373104419006,55261.373104419006,60128.714799106216,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},55261.373104419006,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},60128.714799105554,0]
[]
[null,null,{"$f":"+C54/C27","v":6.2127646799274849E-3},null,{"$f":"+E54/E27","v":6.3370199735260351E-3},6.3370199735260351E-3,6.3370199735260351E-3,6.3370199735260351E-3,6.3370199735260351E-3,6.3370199735260351E-3,6.3370199735260351E-3,6.3370199735260351E-3,6.3370199735260351E-3,6.3370199735260351E-3,4.7890061074441033E-3,4.7890061074441033E-3,4.7890061074441033E-3,4.7890061074441033E-3,6.6846212793425386E-3,6.6846212793425386E-3,7.4329147801680774E-3,7.4329147801680774E-3,6.3370199735260351E-3,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},7.4329147801680774E-3,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},6.3370199735261722E-3,6.3370199735261722E-3]
[null,"Maximaal BOX3 hypotheek",{"$f":"+C55/C58+C27","v":103281.98470799898},null,{"$f":"MAX(0,+E55/E58+E27)","v":44212.290293725018},44212.290293725018,0,0,0,44212.290293725018,0,0,0,0,63665.698022964025,63665.698022964025,0,0,43145.987077027072,43145.987077027072,39910.991686802554,39910.991686802554,44212.290293725018,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},39910.991686802554,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},44212.290293724058,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PMT(O28/12,O16,O56,0,0)*12","v":3658.7449999984583},{"$f":"-PMT(P28/12,P16,P59,0,0)*12","v":3559.8600000000006}]
[null,"Maandlast",{"$f":"C50/12","v":641.66666666666663},null,{"$f":"E50/12","v":280.17416666666668},{"$f":"F50/12","v":280.17416666666668},null,null,null,null,null,null,null,"Datum oudste met inkomen",{"$f":"IF(leeftijd2>leeftijd1,AlgemeenOUD!F8,AlgemeenOUD!C8)","v":"00:00:00"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF50/12","v":280.17416666666668},{"$f":"AG50/12","v":0}]
[null,"Rente pm",{"$f":"C28/12","v":3.1666666666665209E-3},null,{"$f":"E28/12","v":3.1666666666665209E-3},{"$f":"F28/12","v":3.1666666666665209E-3},null,null,null,null,null,null,null,"Pensioendatum",{"$f":"+Gegevens!B413","v":"1964-12-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF28/12","v":3.1666666666666666E-3},{"$f":"AG28/12","v":3.1666666666666666E-3}]
[null,"Looptijd",{"$f":"C16","v":360},null,{"$f":"E16","v":360},{"$f":"F16","v":360},null,null,null,null,null,null,null,"Jaarlast voor Pensioen",{"$f":"+E50","v":3362.09},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF16","v":360},{"$f":"AG16","v":360}]
[null,"Box 3",0,null,0,0,null,null,null,null,null,null,null,"Jaarlast bij pensioen",{"$f":"+O50","v":3658.7449999999999},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Max;",{"$f":"-PV(C62,C63,C61,0)","v":137709.31294399907},null,{"$f":"-PV(E62,E63,E61,0)","v":60128.714799466208},{"$f":"-PV(F62,F63,F61,0)","v":60128.714799466208},null,null,null,null,null,null,null,"Maximale hypotheek bij Pensioen",{"$f":"+O56","v":65434.189634685456},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PV(AF62,AF63,AF61,0)","v":60128.714799465561},{"$f":"-PV(AG62,AG63,AG61,0)","v":0}]
[null,"Indien een box 3 deel",{"$f":"IF(C15>0,C65-C56,0)","v":34427.328236000089},null,{"$f":"IF(E15>0,E65-E56,0)","v":0},{"$f":"IF(F15>0,F65-F56,0)","v":0},null,null,null,null,null,null,null,"rente",0.05,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AF15>0,AF65-AF56,0)","v":0},{"$f":"IF(AG15>0,AG65-AG56,0)","v":0}]
[null,"Berekeng ann C61",{"$f":"-PMT(C62,C63,C66)","v":160.41666666666868},null,{"$f":"-PMT(E62,E63,E66)","v":0},{"$f":"-PMT(F62,F63,F66)","v":0},null,null,null,null,null,null,null,"maanden",{"$f":"IF(Gegevens!B415=1,0,DATEDIF(TODAY(),O62,\"M\"))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PMT(AF62,AF63,AF66)","v":0},{"$f":"-PMT(AG62,AG63,AG66)","v":0}]
[null,"C61 per jaar",{"$f":"C67*12","v":1925.0000000000241},null,{"$f":"E67*12","v":0},{"$f":"F67*12","v":0},null,null,null,null,null,null,null,"Jaarlast afl",{"$f":"-PV(O66^1/12,O67,(O63-O64)/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF67*12","v":0},{"$f":"AG67*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Max hyp",{"$f":"+O68+O65","v":65434.189634685456}]
[null,"Ik heb berekend wat de hypotheekverstrekking standaard is zonder box 3."]
[null,"Dan heb ik daar C50 vanaf gehaald. Van het verschil heb ik de annuiteit "]
[null,"per jaar berekend in C62 en die heb ik dan van de werkelijke last van C44"]
[null,"afgehaald. Dan moet het kloppen toch of zie ik wat over het hoofd?"]
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["Algemeen","Uw gegevens"]
["Algemeen overig","Leningen"]
["AO en WW","AO en WW"]
["AO uitvoer","AO uitvoer"]
["AO Uitvoer GRAFIEK","AO Uitvoer GRAFIEK"]
["Bankvergelijk","Bankvergelijk"]
["Budget","Budget"]
["Controle berekening","Controle berekening"]
["Draagplicht","Draagplicht"]
["Financiële Gegevens","Financiële Gegevens"]
["HUUR","Huur"]
["Hypotheekgrafiek","Hypotheekgrafiek"]
["Maandlast","Maandlast"]
["NAT sheet","Werkelijke Lasten"]
["Netto betaalde rente","Netto betaalde rente"]
["Netto inkomen","Netto inkomen"]
["ORV advies","ORV advies"]
["ORV vergelijk","ORV vergelijk"]
["ORV verloop","ORV verloop"]
["ORV voor in berekeningen","ORV voor in berekeningen"]
["Overbrugging","Overbrugging"]
["Overlijden","Overlijden"]
["Oversluiten","Oversluiten"]
["Pensioen","Pensioen"]
["Pensioen uitvoer","Pensioen uitvoer"]
["PRINTEN","x"]
["Rente tijdens de bouw","Rente tijdens de bouw"]
["Rentemiddeling","Rentemiddeling"]
["Rentevergelijk","Rentevergelijk"]
["Scheiding uitvoer","Scheiding uitvoer"]
["TOOL NHG","TOOL NHG"]
["TOOL optimaal%","TOOL optimaal%"]
["TOOL VRH","TOOL VRH"]
["Voorstel HOR","Voorstel Horizontaal"]
["Voorstel VER","Voorstel Vertikaal"]
["WW uitvoer","WW uitvoer"]
["Annuiteit","Annuiteit"]
["Lineair","Lineair"]
["Balans","Balans"]
["Vrije Keuze","Vrije Keuze"]

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[null,null,null,null,null,null,{"$f":"Gegevens!I6","v":""}]
[null,null,null,"Uw gebruikersaccount"]
[null,null,null,"Uw wachtwoord"]

{"sheet":"Gegevens","index":39,"n_rows":521,"n_cols":256,"rows_kept":521,"cut":false,"hidden":true,"merged":[]}
["Totale nieuwe hypotheeksom",null,null,"WOZ Waarde",null,null,null,null,"Deze kolom leeglaten voor gebruikersdata!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
["Afgelost op 65e",null,null,"Vrije verkoopwaarde",null,null,null,"aantal",{"$f":"COUNTA(I11:I6000)+1","v":1}]
["Maximaal CHF 65e",null,null,"Niet aftrekbaar hypotheekdeel",null,null,null,"komma",{"$f":"SEARCH(\",\",I6)","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,"naam",{"$f":"IF(ISERROR(I3),I6,LEFT(I6,I3-1))","v":""},{"$f":"I6","v":""}]
[null,null,null,null,null,null,null,"stad",{"$f":"IF(ISERROR(I3),\"\",MID(I6,I3+1,255))","v":""}]
["Naam 1e","dav",null,"Naam 2e",null,null,null,"gebruiker",{"$f":"IF(I8=0,\"\",OFFSET($I$11,I8-1,0))&\"\"","v":""},{"$f":"IF(I8=0,\"\",OFFSET($I$11,I8-1,0))&\"\"","v":""}]
["Geboortedatum (01-01-1970)",null,null,"Geboortedatum (01-01-1970)",null,null,null,"supercode",6785]
["Leeftijd (wordt automatisch berekend)",{"$f":"Algemeen!E8","v":"0 jaar"},null,"Leeftijd (wordt automatisch berekend)",{"$f":"INT(IF(E7,(TODAY()-E7)/365.25,0))","v":0},null,null,"keuze"]
[null,null,null,null,null,null,null,"pwcode"]
["Inkomen gegevens:",null,null,"Inkomen gegevens:",null,null,null,"einddatum"]
["Bruto jaarinkomen (vast)",50000,1,"Bruto jaarinkomen (vast)",null,1]
[]
[]
["Overlijden:",null,null,"Overlijden:"]
["Inkomen uit pensioenregeling van de partner",null,null,"Inkomen uit pensioenregeling van de partner"]
[1,null,null,2]
["Maximale hypotheek bij overlijden partner",null,null,"Maximale hypotheek bij overlijden partner"]
["Inkomen bij overlijden partner",{"$f":"'ORV advies'!B14","v":0},null,"Inkomen bij overlijden partner",{"$f":"#REF!","v":{"$error":"#REF!"}}]
["Wat moet minimaal verzekerd zijn",{"$f":"IF(B17>B1,0,B1-B17)","v":0},null,"Wat moet minimaal verzekerd zijn",{"$f":"IF(E17>B1,0,B1-E17)","v":0}]
["PARTNER verzekerd in het voorstel",null,null,"PARTNER verzekerd in het voorstel"]
[]
["AO Aanvulling:",null,null,"AO Aanvulling:"]
["Aanvulling per maand via WG bij AO 35%-80%",null,null,"Aanvulling per maand via WG bij AO 35%-80%"]
["Aanvulling per maand via WG bij AO>80%",null,null,"Aanvulling per maand via WG bij AO>80%"]
[]
["Pensioen:",null,null,"Pensioen:"]
["Huidig netto maand inkomen",null,null,"Huidig netto maand inkomen"]
["Bruto totaal pensioeninkomen",{"$f":"'Pensioen 1e'!C38","v":19777},null,"Bruto totaal pensioeninkomen",{"$f":"'Pensioen 2e'!C37","v":13481}]
["Netto pensioeninkomen wordt",{"$f":"'Pensioen 1e'!C10","v":1648.0833333333333},null,"Netto pensioeninkomen wordt",{"$f":"'Pensioen 2e'!C10","v":1123.4166666666667}]
["\"Tekort\" op basis van netto verschil",{"$f":"IF(B29>B27,\"Geen tekort\",B27-B29)","v":"Geen tekort"},null,"\"Tekort\" op basis van netto verschil",{"$f":"IF(E29>E27,\"Geen tekort\",E27-E29)","v":"Geen tekort"}]
["Bij toets voor pensioen volgend jaartal gebruiken:",{"$f":"B167","v":0},null,"Bij toets voor pensioen volgend jaartal gebruiken:",{"$f":"E167","v":0}]
[]
["Maximale hypotheek bij totaal (gezamenlijk) inkomen",null,null,"Maximale hypotheek bij totaal (gezamenlijk) inkomen",{"$f":"B33","v":0}]
["Normlast bij totaal (gezamenlijk) inkomen",null,null,"Normlast bij totaal (gezamenlijk) inkomen",{"$f":"B34","v":0}]
["Maximale hypotheek bij 70 % inkomen 1e aanvrager",null,null,"Maximale hypotheek bij 70 % inkomen 2e aanvrager"]
["Normlast bij 70 % van het inkomen 1e aanvrager",null,null,"Normlast bij 70 % van het inkomen 2e aanvrager"]
["Inkomen bij 2e ziektejaar EN bij WW 70 %",{"$f":"B11*70%","v":35000},null,"Inkomen bij 2e ziektejaar EN bij WW 70 %",{"$f":"E11*70%","v":0}]
["Te verzekeren per maand bij WW 70 %",{"$f":"(B34-B36)/12","v":0},null,"Te verzekeren per maand bij WW 70 %",{"$f":"(E34-E36)/12","v":0}]
[]
["Pensioen bruto per jaar:",null,null,"Pensioen bruto per jaar:"]
[]
[]
[]
[null,1,null,null,1]
["Hoeveel jaar in het buitenland geweest tussen 15e en 65e ?",null,null,"Hoeveel jaar in het buitenland geweest tussen 15e en 65e ?"]
[{"$f":"VLOOKUP(B46,A74:B124,2)","v":100},1,null,{"$f":"VLOOKUP(E46,A74:B125,2)","v":100},1]
[]
[]
[]
[]
["AVG"]
["Let op dat u deze versie van Calfin lokaal niet herleidbaar opslaat"]
["Let op dat u deze versie van Calfin niet opslaat onder de naam van de relatie"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Pulldown AOW",null,null,"Pulldown AOW"]
[]
["AOW alleenstaanden",{"$f":"'Financiële Gegevens'!B12*PensioenOUD!$B$16%","v":19777},null,"AOW alleenstaanden",{"$f":"'Financiële Gegevens'!B12*PensioenOUD!$E$16%","v":19777}]
["AOW gehuwden/samenwonend, p.p.",{"$f":"'Financiële Gegevens'!B13*PensioenOUD!$B$16%","v":13481},null,"AOW gehuwden/samenwonend, p.p.",{"$f":"'Financiële Gegevens'!B13*PensioenOUD!$E$16%","v":13481}]
[]
[]
[]
["Hoeveel jaar in het buitenland gewoond; AO.",null,null,"Aantal jaren gewerkt; AO","Looptijd uitkering"]
[]
[]
[0,null,null,1,3]
[{"$f":"A74+1","v":1},100,null,{"$f":"D74+1","v":2},{"$f":"E74+1","v":4}]
[{"$f":"A75+1","v":2},{"$f":"B75-2","v":98},null,{"$f":"D75+1","v":3},{"$f":"E75+1","v":5}]
[3,96,null,4,6]
[4,94,null,5,7]
[5,92,null,6,8]
[6,90,null,7,9]
[7,88,null,8,10]
[8,86,null,9,11]
[9,84,null,10,12]
[10,82,null,11,13]
[11,80,null,12,14]
[12,78,null,13,15]
[13,76,null,14,16]
[14,74,null,15,17]
[15,72,null,16,18]
[16,70,null,17,19]
[17,68,null,18,20]
[18,66,null,19,21]
[19,64,null,20,22]
[20,62,null,21,23]
[21,60,null,22,24]
[22,58,null,23,25]
[23,56,null,24,26]
[24,54,null,25,27]
[25,52,null,26,28]
[26,50,null,27,29]
[27,48,null,28,30]
[28,46,null,29,31]
[29,44,null,30,32]
[30,42,null,31,33]
[31,40,null,32,{"$f":"E104+1","v":34}]
[32,38,null,33,35]
[33,36,null,34,36]
[34,34,null,35,37]
[35,32,null,36,38]
[36,30,null,37,{"$f":"38","v":38}]
[37,28,null,38,{"$f":"38","v":38}]
[38,26,null,39,{"$f":"38","v":38}]
[39,24,null,40,{"$f":"38","v":38}]
[40,22,null,41,{"$f":"38","v":38}]
[41,20,null,42,{"$f":"38","v":38}]
[42,18,null,43,{"$f":"38","v":38}]
[43,16,null,44,{"$f":"38","v":38}]
[44,14,null,45,{"$f":"38","v":38}]
[45,12,null,46,{"$f":"38","v":38}]
[46,10,null,47,{"$f":"38","v":38}]
[47,8,null,48,{"$f":"38","v":38}]
[48,6,null,49,{"$f":"38","v":38}]
[49,4,null,50,{"$f":"38","v":38}]
[{"$f":"A123+1","v":50},{"$f":"B123-2","v":2},null,51,{"$f":"38","v":38}]
[{"$f":"A124+1","v":51},{"$f":"B124-2","v":0},null,52,{"$f":"38","v":38}]
[null,null,null,53,{"$f":"38","v":38}]
[null,null,null,54,{"$f":"38","v":38}]
[null,"Aanvrager ANW",null,55,{"$f":"38","v":38}]
[null,null,null,56,{"$f":"38","v":38}]
[1,"Nee, geen recht",null,57,{"$f":"38","v":38}]
[2,"Ja, geboren voor 1950",null,58,{"$f":"38","v":38}]
[3,"Ja, min. 1 kind jonger dan 18",null,59,{"$f":"38","v":38}]
[4,"Ja, voor meer dan 45% AO",null,60,{"$f":"38","v":38}]
[]
[]
[1]
[2,"U hebt recht op ANW: u bent geboren voor 1950."]
[3,"U hebt recht op ANW: u hebt min 1 kind < 18 jr."]
[4,"U hebt recht op ANW: u bent voor > 45% AO."]
[]
["ANW 1e aanvrager","Geen uitkering",null,"ANW 2e aanvrager","Geen uitkering"]
[null,"Uitkering",null,null,"Uitkering"]
[null,"Zelfstandig",null,null,"Zelfstandig"]
[null,"Pensioen",null,null,"Pensioen"]
[{"$f":"C145*12.96","v":11417.76},"Vrijstelling",{"$f":"'Financiële Gegevens'!B17","v":881},{"$f":"C145*12.96","v":11417.76},"Vrijstelling"]
[{"$f":"(AlgemeenOUD!C10)-A145","v":-11417.76},"Inkomen > vrijstelling",null,{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)-D145","v":-11417.76},"Inkomen > vrijstelling"]
[{"$f":"A146*66.66%","v":-7611.0788160000002},0.66659999999999997,null,{"$f":"D146*66.66%","v":-7611.0788160000002},0.66659999999999997]
[{"$f":"MAX(0,'Financiële Gegevens'!B3-Gegevens!A147-AlgemeenOUD!C11)","v":26942.078816000001},"Uitkering",null,{"$f":"MAX(0,'Financiële Gegevens'!B3-Gegevens!D147-AlgemeenOUD!F11)","v":26942.078816000001},"Uitkering"]
[]
[{"$f":"AlgemeenOUD!C11","v":0},"Uitkering",null,{"$f":"AlgemeenOUD!F11","v":0},"Uitkering"]
[{"$f":"'Financiële Gegevens'!B3","v":19331},"Max.ANW",null,{"$f":"'Financiële Gegevens'!B3","v":19331},"Max.ANW"]
[{"$f":"(A151-A150)","v":19331},"Uitkering ",null,{"$f":"(D151-D150)","v":19331},"Uitkering "]
[{"$f":"IF(A152<0,0,A152)","v":19331},"ECHT",null,{"$f":"IF(D152<0,0,D152)","v":19331},"ECHT"]
[]
["Pensoenjaar",null,null,"Pensoenjaar"]
["Huidige leeftijd",{"$f":"AlgemeenOUD!C9","v":0},"1 = nee","Huidige leeftijd",{"$f":"AlgemeenOUD!F9","v":-1}]
["Geboortejaar",{"$f":"B158-B156","v":0},"2 = ja","Geboortejaar",{"$f":"E158-E156","v":1}]
["Huidig jaar",{"$f":"'Financiële Gegevens'!B18","v":0},null,"Huidig jaar",{"$f":"B158","v":0}]
["Leeftijd 2019 (66)",{"$f":"(2019-B158)+B156","v":2019},null,"Leeftijd 2019 (66)",{"$f":"(2019-E158)+E156","v":2018}]
["Leeftijd 2023 (67)",{"$f":"(2023-B158)+B156","v":2023},null,"Leeftijd 2023 (67)",{"$f":"(2023-E158)+E156","v":2022}]
[]
["Leeftijd in 2019 < 66",{"$f":"IF(B159<66,2,1)","v":1},null,"Leeftijd in 2019 < 66",{"$f":"IF(E159<66,2,1)","v":1}]
["Leeftijd in 2023 < 67",{"$f":"IF(B160<67,2,1)","v":1},null,"Leeftijd in 2023 < 67",{"$f":"IF(E160<67,2,1)","v":1}]
[]
[{"$f":"IF(AND(B163=2,B162=2),67,IF(AND(B162=2,B163=1),66,IF(AND(B163=2,B162=1),67)))","v":false},null,null,{"$f":"IF(AND(E163=2,E162=2),67,IF(AND(E162=2,E163=1),66,IF(AND(E163=2,E162=1),67)))","v":false}]
[]
[]
[]
["Netto ORV inkomen 1e",{"$f":"'ORV advies'!B14-'ORV advies'!B6+D169","v":0},"Zonder 8%",{"$f":"'ORV advies'!B6/108*100","v":0}]
["Van ","Tot","Belastingtarief",null,"Te betalen belasting"]
[]
[{"$f":"'Financiële Gegevens'!A22","v":0},{"$f":"'Financiële Gegevens'!B22","v":20384},{"$f":"'Financiële Gegevens'!C22","v":0.36969999999999997},{"$f":"IF(B169<B172,B169*C172,B172*C172)","v":0},{"$f":"D172","v":0}]
[{"$f":"'Financiële Gegevens'!A23","v":20385},{"$f":"'Financiële Gegevens'!B23","v":38098},{"$f":"'Financiële Gegevens'!C23","v":0.36969999999999997},{"$f":"IF(B169<A173,0,IF(B169>B173,(B173-A173)*C173,(B169-A173)*C173))","v":0},{"$f":"D173","v":0}]
[{"$f":"'Financiële Gegevens'!A24","v":38099},{"$f":"'Financiële Gegevens'!B24","v":75518},{"$f":"'Financiële Gegevens'!C24","v":0.36969999999999997},{"$f":"IF(B169>B174,(B174-A174)*C174,IF(B169>A174,(B169-A174)*C174,0))","v":0},{"$f":"D174","v":0}]
[{"$f":"'Financiële Gegevens'!A25","v":75519},{"$f":"'Financiële Gegevens'!B25","v":12000000},{"$f":"'Financiële Gegevens'!C25","v":0.495},{"$f":"IF(B169<A175,0,(B169-A175)*C175)","v":0},{"$f":"D175","v":0}]
[null,null,null,"Totaal",{"$f":"SUM(E172:E175)","v":0}]
[null,null,null,"Netto",{"$f":"B169-E176","v":0}]
[null,null,null,"Per maand",{"$f":"E177/12","v":0}]
[]
["Netto ORV inkomen 2e",{"$f":"#REF!-#REF!+Gegevens!D180","v":{"$error":"#REF!"}},"Zonder  8%",{"$f":"#REF!/108*100","v":{"$error":"#REF!"}}]
["Van ","Tot","Belastingtarief",null,"Te betalen belasting"]
[]
[{"$f":"A172","v":0},20384,0.36969999999999997,{"$f":"IF(B180<B183,B180*C183,B183*C183)","v":{"$error":"#REF!"}},{"$f":"D183","v":{"$error":"#REF!"}}]
[20385,38098,0.36969999999999997,{"$f":"IF(B180<A184,0,IF(B180>B184,(B184-A184)*C184,(B180-A184)*C184))","v":{"$error":"#REF!"}},{"$f":"D184","v":{"$error":"#REF!"}}]
[{"$f":"A174","v":38099},75518,0.36969999999999997,{"$f":"IF(B180>B185,(B185-A185)*C185,IF(B180>A185,(B180-A185)*C185,0))","v":{"$error":"#REF!"}},{"$f":"D185","v":{"$error":"#REF!"}}]
[75519,12000000,0.495,{"$f":"IF(B180<A186,0,(B180-A186)*C186)","v":{"$error":"#REF!"}},{"$f":"D186","v":{"$error":"#REF!"}}]
[null,null,null,"Totaal",{"$f":"SUM(E183:E186)","v":{"$error":"#REF!"}}]
[null,null,null,"Netto",{"$f":"B180-E187","v":{"$error":"#REF!"}}]
[null,null,null,"Per maand",{"$f":"E188/12","v":{"$error":"#REF!"}}]
[]
["Aanhef 1",null,null,"Aanhef 2"]
[1,null,null,1]
[2,"De heer",null,2,"De heer"]
[3,"Mevrouw",null,3,"Mevrouw"]
[]
[]
[]
[1,null,null,1]
[2,"Voldoet alleen aan de wekeneis",null,2,"Relatie voldoet alleen aan de wekeneis"]
[3,"Voldoet aan de wekeneis en jareneis",null,3,"Relatie voldoet alleen aan de jareneis"]
[4,"Voldoet NIET aan de weken of jareneis",null,4,"Relatie voldoet aan de jareneis en wekeneis"]
[null,null,null,5,"Voldoet NIET aan de weken of jareneis"]
[]
["Fictief arbeidsverleden",null,null,"Fictief arbeidsverleden"]
[]
[]
["Jaren vanaf","1998-01-01",null,"Jaren vanaf","1998-01-01"]
["Automatisch",{"$f":"INT(IF(B207,(TODAY()-B207)/365.25,0))","v":26},null,"Automatisch",{"$f":"INT(IF(E207,(TODAY()-E207)/365.25,0))","v":26}]
["Huidige leeftijd",{"$f":"AlgemeenOUD!C9","v":0},null,"Huidige leeftijd",{"$f":"AlgemeenOUD!F9","v":-1}]
["Jaren er vanaf",{"$f":"B208","v":26},null,"Jaren er vanaf",{"$f":"E208","v":26}]
["Leeftijd in 1997",{"$f":"B209-B210","v":-26},null,"Leeftijd in 1997",{"$f":"E209-E210","v":-27}]
["Fictief arbeidsverleden",{"$f":"B211-18","v":-44},null,"Fictief arbeidsverleden",{"$f":"E211-18","v":-45}]
["Fictief arbeidsverleden correctie",{"$f":"IF(B212>0,B212,0)","v":0},null,"Fictief arbeidsverleden correctie",{"$f":"IF(E212>0,E212,0)","v":0}]
[]
["Jaren vanaf","1998-01-01",null,"Jaren vanaf","1998-01-01"]
["Automatisch",{"$f":"B213","v":0},null,"Automatisch",{"$f":"E213","v":0}]
["Feitelijk verleden",{"$f":"B212","v":-44},null,"Feitelijk verleden",{"$f":"'AO en WW'!F23","v":0}]
["Echte jaren",{"$f":"'AO en WW'!C23","v":15},null,"Echte jaren",{"$f":"'AO en WW'!F23","v":0}]
[]
["Totale jaren",{"$f":"IF((B218+B213)>38,38,B218+B213)","v":15},null,"Totale jaren",{"$f":"IF((E218+E213)>38,38,E218+E213)","v":0}]
[]
["Echte uitkering",{"$f":"MIN(38,IF('AO en WW'!C21=2,Gegevens!B220,IF('AO en WW'!C21=1,3,0)))","v":15},null,"Echte uitkering",{"$f":"MIN(38,IF('AO en WW'!F21=2,Gegevens!E220,IF('AO en WW'!F21=1,3,0)))","v":0}]
[]
[]
["Kinderen WZP",null,null,{"$f":"E222","v":0}]
["Geen regeling"]
["Regeling aanwezig"]
["Geen kinderen"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[]
["Nog 30 jaar aftrekbaar",1,null,30]
["Nog 29 jaar aftrekbaar",{"$f":"B240+1","v":2},null,{"$f":"D240-1","v":29}]
["Nog 28 jaar aftrekbaar",{"$f":"B241+1","v":3},null,{"$f":"D241-1","v":28}]
["Nog 27 jaar aftrekbaar",4,null,27]
["Nog 26 jaar aftrekbaar",5,null,26]
["Nog 25 jaar aftrekbaar",6,null,25]
["Nog 24 jaar aftrekbaar",7,null,24]
["Nog 23 jaar aftrekbaar",8,null,23]
["Nog 22 jaar aftrekbaar",9,null,22]
["Nog 21 jaar aftrekbaar",10,null,21]
["Nog 20 jaar aftrekbaar",11,null,20]
["Nog 19 jaar aftrekbaar",12,null,19]
["Nog 18 jaar aftrekbaar",13,null,18]
["Nog 17 jaar aftrekbaar",14,null,17]
["Nog 16 jaar aftrekbaar",15,null,16]
["Nog 15 jaar aftrekbaar",16,null,15]
["Nog 14 jaar aftrekbaar",17,null,14]
["Nog 13 jaar aftrekbaar",18,null,13]
["Nog 12 jaar aftrekbaar",19,null,12]
["Nog 10 jaar aftrekbaar",20,null,11]
["Nog 11 jaar aftrekbaar",21,null,10]
["Nog 9 jaar aftrekbaar",22,null,9]
["Nog 8 jaar aftrekbaar",23,null,8]
["Nog 7 jaar aftrekbaar",24,null,7]
["Nog 6 jaar aftrekbaar",25,null,6]
["Nog 5 jaar aftrekbaar",26,null,5]
["Nog 4 jaar aftrekbaar",27,null,4]
["Nog 3 jaar aftrekbaar",28,null,3]
["Nog 2 jaar aftrekbaar",29,null,2]
["Nog 1 jaar aftrekbaar",30,null,1]
[]
[]
["Vrijstelling box 3 2011"]
[1,0]
[2,{"$f":"'Financiële Gegevens'!B34","v":57000},null,"Ja"]
[3,{"$f":"B274*2","v":114000},null,"Nee"]
[{"$f":"'Financiële Gegevens'!B35","v":0}]
[0]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[]
[]
[0]
[1,"De genoemde premie is reeds opgenomen in de aangeboden hypotheek met de daarbij behorende maandlast."]
[2,"Deze verzekering is los te sluiten van de hypotheek en derhalve niet opgenomen in de hypotheeklasten."]
[]
[]
[]
[0,".",0]
[1,"Annuïtair dalend",1,"ANNUITY_DECREASING"]
[2,"Lineair dalend",2,"STRAIGHTLINE_DECREASING"]
[3,"Gelijk blijvend",3,"LEVEL_COVER"]
[null,null,null,"Gekozen IB tarief"]
[1,0.1835,null,{"$f":"VLOOKUP(AlgemeenOUD!A16,A299:B302,2)*100%","v":0.42}]
[2,0.36249999999999999]
[3,0.42]
[4,0.52]
[]
[1," > Klik hier <","Test"]
[1,"Alleenstaand","U bent alleenstaand"]
[2,"Samenwonend + contract","U woont samen met samenlevingscontract"]
[3,"Samenwonend - contract","U woont samen zonder samenlevingscontract"]
[4,"Geregistreerd partner","U hebt een geregistreerd partnerschap"]
[5,"Gaan samenwonen","U woont nog niet samen maar gaat samenwonen"]
[6,"Gehuwd GVG","U bent gehuwd in gemeenschap van goederen"]
[7,"Gehuwd HVW","U bent gehuwd op huwelijkse voorwaarden"]
[{"$f":"A311+1","v":8},"Gaat trouwen GVG","U gaat trouwen in gemeenschap van goederen"]
[{"$f":"A312+1","v":9},"Gaat trouwen HVW","U gaat trouwen op huwelijkse voorwaarden"]
[10,"Gaat partnerschap aan","U gaat een geregistreerd partnerschap aan"]
[11,null,{"$f":"C314+1","v":{"$error":"#VALUE!"}}]
[12,null,{"$f":"C315+1","v":{"$error":"#VALUE!"}}]
[13,null,{"$f":"C316+1","v":{"$error":"#VALUE!"}}]
[14,null,{"$f":"C317+1","v":{"$error":"#VALUE!"}}]
[15,null,{"$f":"C318+1","v":{"$error":"#VALUE!"}}]
[]
[1," > Klik hier <",1]
[{"$f":"A321+1","v":2},"Geen inkomen",{"$f":"C321+1","v":2},"U hebt geen inkomen"]
[3,"Vast dienstverband",3,"U hebt een vast dienstverband"]
[4,"Tijdelijk met intentie",4,"U hebt een tijdelijk dienstverband met intentie"]
[5,"Tijdelijk zonder intentie",5,"U hebt een tijdelijk dienstverband zonder intentie"]
[6,"Flexwerker",6,"U bent flexwerker"]
[7,"Zelfstandig",7,"U bent zelfstandig ondernemer"]
[8,"Sociale uitkering",8,"U hebt een sociale uitkering"]
[9,"Gepensioneerd",9,"U bent gepensioneerd"]
[]
[1,"Ja",1,"Het spaarsaldo kan volledig benut worden voor de hypotheek"]
[2,"Nee",2,"Het spaarsaldo dient niet gebruikt te worden voor de hypotheek"]
[3,"Gedeeltelijk",3,"Het spaarsaldo kan gedeeltelijk benut worden voor de hypotheek"]
[4,"Indien nodig",4,"Het deel van het spaarsaldo kan benut worden voor de hypotheek indien nodig"]
[]
[1,"Aankoop woning"]
[2,"Oversluiting"]
[null,null,1,"Het doel van dit financieel advies is de aankoop van een woning"]
[null,null,2,"Het doel van dit financieel advies is het oversluiten van de huidige hypotheek"]
[]
[]
[]
[]
[]
[]
["Abonnement"]
[]
[1,"Geen abonnement"]
[2,9.9499999999999993]
[3,14.95]
[4,19.5]
[]
[]
[]
[1,"Aankoop bestaande bouw"]
[2,"Aankoop nieuwbouw"]
[3,"Oversluiting"]
[]
[]
[]
[]
[]
[null,null,42,52,null,"Waarde"]
[2014,1,42,51.5]
[2015,{"$f":"B364+1","v":2},{"$f":"C364","v":42},{"$f":"D364-0.5","v":51},null,"Marktwaarde"]
[{"$f":"A365+1","v":2016},{"$f":"B365+1","v":3},{"$f":"C365","v":42},{"$f":"D365-0.5","v":50.5},null,"Marktwaarde na verbouwing"]
[{"$f":"A366+1","v":2017},4,42,50]
[2018,5,42,49.5]
[2019,6,42,49]
[2020,7,42,48.5]
[2021,8,42,48]
[2022,9,42,47.5]
[2023,10,42,47]
[2024,11,42,46.5]
[2025,12,42,46]
[2026,13,42,45.5]
[2027,14,42,45]
[2028,15,42,44.5]
[2029,16,42,44]
[2030,17,42,43.5]
[2031,18,42,43]
[2032,19,42,42.5]
[2033,20,42,42]
[2034,21,41.5,41.5]
[2035,22,{"$f":"C384-0.5","v":41},41]
[2036,23,{"$f":"C385-0.5","v":40.5},40.5]
[2037,24,40,40]
[2038,25,39.5,{"$f":"D387-0.5","v":39.5}]
[2039,26,39,39]
[2040,27,38.5,38.5]
[2041,28,38,38]
[2042,29,{"$f":"C391","v":38},{"$f":"D391","v":38}]
[2043,30,{"$f":"C392","v":38},{"$f":"D392","v":38}]
[]
[]
[]
[]
["Berekening Pensioendatum"]
["Geboren",{"$f":"+'Maximale verstrekking'!O61","v":"00:00:00"},{"$f":"+AlgemeenOUD!C8","v":"00:00:00"}]
["Extra",{"$f":"IFERROR(INDEX($B$401:$B$407,MATCH(B399,$A$401:$A$407,1)),0)","v":0},{"$f":"IFERROR(INDEX($B$401:$B$407,MATCH(C399,$A$401:$A$407,1)),0)","v":0},null,null,null,null,null,null,"Werkelijke last"]
["1949-11-01",3]
["1950-09-30",6,null,null,"Code","Waar/onwaar"]
["1951-06-30",9,null,"1 aanvrager -/- 67 en -/- 58",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"(AND(AlgemeenOUD!C7=1,leeftijd1<58))","v":true},{"$f":"IF(F403=TRUE,'Maximale verstrekking'!F56,0)","v":60128.714799106216},null,null,{"$f":"IF(G403>0,'Maximale verstrekking'!F50-'Maximale verstrekking'!F68,0)","v":3362.09}]
["1952-03-31",12,null,"2 aanvragers en 1 inkomen -/- 67 en -/- 58",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"(AND(AlgemeenOUD!C7=2,leeftijd1<58))","v":false},{"$f":"IF(F404=TRUE,'Maximale verstrekking'!F56,0)","v":0},null,null,{"$f":"IF(G404>0,'Maximale verstrekking'!F50-'Maximale verstrekking'!F68,0)","v":0}]
["1952-12-31",16,null,"1 aanvrager -/- 67 en +/+ 58",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E405=1,IF(B415=1,FALSE,IF(E405=1,(AND(leeftijd1>57,leeftijd1<68)))))","v":false},{"$f":"IF(F405=TRUE,'Maximale verstrekking'!O69,0)","v":0},{"$f":"IF(G405>0,1,0)","v":0}]
["1953-08-31",20,null,"2 aanvragers en 1 inkomen -/- 67 en +/+ 58",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E406=2,(AND(leeftijd1>57,leeftijd1<68)))","v":false},{"$f":"IF(F406=TRUE,'Maximale verstrekking'!O69,0)","v":0},{"$f":"IF(G406>0,1,0)","v":0}]
["1954-05-01",24,null,"2 aanvragers en 2 inkomens -/- 67 en beiden -/- 57",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E407=3,(AND(leeftijd1<58,leeftijd2<58)))","v":false},{"$f":"IF(F407=TRUE,'Maximale verstrekking'!E56,0)","v":0},null,null,{"$f":"IF(G407>0,'Maximale verstrekking'!E50-'Maximale verstrekking'!E68,0)","v":0}]
[null,null,null,"2 aanvragers en 2 inkomens en 2e -/- 67 en 1e +/+ 57 ",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E408=3,(AND(leeftijd1>57,leeftijd2<58)))","v":false},{"$f":"IF(F408=TRUE,'Maximale verstrekking'!O69,0)","v":0},{"$f":"IF(G408>0,1,0)","v":0}]
["Gem dagen per maand",{"$f":"365.25/12","v":30.4375},{"$f":"365.25/12","v":30.4375},"2 aanvragers en 2 inkomens de 1e -/- 67 en 2e +/+ 57 ",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E409=3,(AND(leeftijd2>57,leeftijd1<58)))","v":false},{"$f":"IF(F409=TRUE,'Maximale verstrekking'!O69,0)","v":0},{"$f":"IF(G409>0,1,0)","v":0}]
["Dagen tot pensioen",{"$f":"65*365.25+$B$409*B400","v":23741.25},{"$f":"65*365.25+$B$409*C400","v":23741.25},"2 aanvragers en 2 inkomens en beiden 66 +/+ ",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E410=3,(AND(leeftijd1>66,leeftijd2>66)))","v":false},{"$f":"IF(F410=TRUE,'Maximale verstrekking'!O69,0)","v":0},{"$f":"IF(G410>0,1,0)","v":0}]
["Pensioendatum",{"$f":"+B410+B399","v":"1964-12-30T06:00:00"},{"$f":"+C410+C399","v":"1964-12-30T06:00:00"},"1e ouder dan 66 en 1 inkomen",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E411=1,IF(B415=1,TRUE,IF(E411=1,leeftijd1>66)))","v":true},{"$f":"IF(F411=TRUE,PensioenOUD!C$26,0)","v":65434.189634685456}]
["Correct op dag",{"$f":"DAY(B399)-DAY(B411)+B411","v":"1964-11-30T06:00:00"},{"$f":"DAY(C399)-DAY(C411)+C411","v":"1964-11-30T06:00:00"},"2e ouder dan 66 en 2 inkomens",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E412=3,(AND(leeftijd1<66,leeftijd2>66)))","v":false},{"$f":"IF(F412=TRUE,PensioenOUD!C$26,0)","v":0}]
["Begin pensioen",{"$f":"DATE(YEAR(B412),MONTH(B412)+1,1)","v":"1964-12-01"},{"$f":"DATE(YEAR(C412),MONTH(C412)+1,1)","v":"1964-12-01"},"2 aanvragers en 2 inkomens en beiden tussen 57 en 67 ",{"$f":"AlgemeenOUD!C$7","v":1},{"$f":"IF(E413=3,(AND(leeftijd1>57,leeftijd1<67,(AND(leeftijd2>57,leeftijd2<67)))))","v":false},{"$f":"IF(F413=TRUE,PensioenOUD!C26,0)","v":0}]
[null,null,{"$f":"ROUND((+C413-C399)/365.25,0)","v":65},null,null,"Verhoging alleenstaand/energielabel",{"$f":"IF(Algemeen!G29>2023,H435,0)","v":16000}]
["Pensioen al ingegaan? 1 is ja en 2 is nee",{"$f":"IF(B413<B416,1,2)","v":1},null,null,null,"MAXIMAAL",{"$f":"SUM(G403:G414)","v":141562.90443379167},{"$f":"SUM(H405:H412)","v":0},null,{"$f":"SUM(J403:J414)","v":3362.09}]
["Vandaag ",{"$f":"TODAY()","v":"2024-10-11"}]
[]
[]
[]
[]
[0,null,null,null,null,"E = samen"]
[{"$f":"A421+1%","v":0.01},null,null,"Invoer ALGEMEEN",null,"F = alleen"]
[{"$f":"A422+1%","v":0.02},null,null,{"$f":"Algemeen!E38","v":"EFG of onbekend"}]
[0.03,null,null,"Labelcluster","Extra bedrag energie",null,null,"Energietotaal"]
[0.04,null,null,"EFG of onbekend",0,null,{"$f":"+F425+E425","v":0},{"$f":"Algemeen!E38","v":"EFG of onbekend"}]
[0.05,null,null,"D",5000,null,{"$f":"+F426+E426","v":5000},{"$f":"+VLOOKUP(H425,D425:E434,2,FALSE)","v":0}]
[6.0000000000000005E-2,null,null,"C",5000,null,5000]
[7.0000000000000007E-2,null,null,"B",10000,null,10000,"Alleenstaand"]
[0.08,null,null,"A",10000,null,10000,16000]
[0.09,null,null,"A+",20000,null,20000]
[9.9999999999999992E-2,null,null,"A++",20000,null,20000,"Totaal verhoging"]
[0.10999999999999999,null,null,"A+++",30000,null,30000,{"$f":"H426+IF('Maximale verstrekking'!E12,H429,0)","v":16000}]
[0.11999999999999998,null,null,"A++++",40000,null,40000]
[0.12999999999999998,null,null,"A++++ met garantie",50000,null,50000]
[0.13999999999999999,null,null,null,null,null,null,{"$f":"IF('Maximale verstrekking'!E12,H429,0)+E454+H426","v":16000}]
[0.15]
[0.16]
[0.17]
[0.18000000000000002]
[0.19000000000000003]
[0.20000000000000004,null,null,"Korting i.v.m. kortere looptijd op ALLEENSTAAND en ENERGIELABEL"]
[0.21000000000000005]
[0.22000000000000006,null,null,"Dan moet H435 wel groter zijn dan nul. Alleen over dat deel een extra korting bij kortere looptijd."]
[0.23000000000000007]
[0.24000000000000007,null,null,"Looptijd = standaard op 30 jaar",{"$f":"360","v":360}]
[0.25000000000000006,null,null,"Toetsrente",{"$f":"Algemeen!$H$25","v":3.7999999999999999E-2}]
[0.26000000000000006,null,null,"Bedrag",{"$f":"H432","v":16000}]
[0.27000000000000007,null,null,"Annuïteit",{"$f":"-PMT(E446/12,E445,E447)","v":74.553176159131425}]
[0.28000000000000008]
[0.29000000000000009,null,null,"Werkelijke looptijd",{"$f":"Alg_loopt*12","v":360},null,null,null,null,null,"Startlabel woning","Maximale extra hypotheekbedrag"]
[0.3000000000000001,null,null,"Annuïteit",{"$f":"-PMT(E446/12,E450,E447)","v":74.553176159131425},null,null,null,null,null,"EFG",20000]
[0.31000000000000011,null,null,null,null,null,null,null,null,null,"CD",15000]
[0.32000000000000012,null,null,"Verschil",{"$f":"E451-E448","v":0},null,null,null,null,null,"AB t/m A+++",10000]
[0.33000000000000013,null,null,"Minder lenen",{"$f":"PV(E446/12,E450,E453)","v":0},null,null,null,null,null,"A++++",0]
[0.34000000000000014]
[0.35000000000000014]
[0.36000000000000015]
[0.37000000000000016]
[0.38000000000000017]
[0.39000000000000018]
[0.40000000000000019]
[0.4100000000000002,null,null,"Hoofdsom op vrije keuze",{"$f":"VK_hsom1","v":0},0,0]
[0.42000000000000021]
[0.43000000000000022]
[0.44000000000000022]
[0.45000000000000023]
[0.46000000000000024]
[0.47000000000000025]
[0.48000000000000026]
[0.49000000000000027]
[0.50000000000000022]
[0.51000000000000023]
[0.52000000000000024]
[0.53000000000000025]
[0.54000000000000026]
[0.55000000000000027]
[0.56000000000000028]
[0.57000000000000028]
[0.58000000000000029]
[0.5900000000000003]
[0.60000000000000031]
[0.61000000000000032]
[0.62000000000000033]
[0.63000000000000034]
[0.64000000000000035]
[0.65000000000000036]
[{"$f":"A486+1%","v":0.66000000000000036}]
[0.67000000000000037]
[0.68000000000000038]
[0.69000000000000039]
[0.7000000000000004]
[0.71000000000000041]
[0.72000000000000042]
[0.73000000000000043]
[0.74000000000000044]
[0.75000000000000044]
[0.76000000000000045]
[0.77000000000000046]
[0.78000000000000047]
[0.79000000000000048]
[0.80000000000000049]
[0.8100000000000005]
[0.82000000000000051]
[0.83000000000000052]
[0.84000000000000052]
[0.85000000000000053]
[0.86000000000000054]
[0.87000000000000055]
[0.88000000000000056]
[0.89000000000000057]
[0.90000000000000058]
[0.91000000000000059]
[0.9200000000000006]
[0.9300000000000006]
[0.94000000000000061]
[0.95000000000000062]
[0.96000000000000063]
[0.97000000000000064]
[0.98000000000000065]
[0.99000000000000066]
[1.0000000000000007]

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["Leeftijd",{"$f":"Algemeen!E7","v":"00:00:00"},{"$f":"IF(Algemeen!E9=\"Met partner met inkomen\",Algemeen!M7,0)","v":"00:00:00"},null,null,null,2018,"1952-03-31","1953-01-01",870,861,{"$f":"J4/12","v":72.5},71.75,0,0,66]
["Hoe oud in maanden",{"$f":"DATEDIF(B4,B3,\"M\")","v":1497},{"$f":"DATEDIF(C4,B3,\"M\")","v":1497},null,null,null,2019,"1952-12-31","1953-09-01",861,853,71.75,71.083333333333329,0,0,66.400000000000006]
["Leeftijd nu",{"$f":"B5/12","v":124.75},{"$f":"C5/12","v":124.75},null,null,null,2020,"1953-08-31","1954-05-01",853,845,71.083333333333329,70.416666666666671,0,0,66.8]
["Hoe oud + 120 maanden",{"$f":"B5+120","v":1617},{"$f":"C5+120","v":1617},null,null,null,2021,"1954-04-30","1955-01-01",845,837,70.416666666666671,69.75,0,0,67]
["Hoe oud + 10 jaar",{"$f":"B6+10","v":134.75},{"$f":"C6+10","v":134.75},null,null,null,2022,"1954-12-31","1955-10-01",837,828,69.75,69,0,0,67.3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(N3:N8)","v":0},{"$f":"IF(Algemeen!E9=\"Met partner met inkomen\",SUM('AOW datum berekenen'!O3:O8),0)","v":0}]
["NU (+ 10 jaar) in range 1 = ja / 2 = nee",{"$f":"IF(AND(B8>M8,B8<L3),1,2)","v":2},{"$f":"IF(AND(C8>M8,C8<L3),1,2)","v":2}]
["NU (+ 10 jaar) hoger dan range",{"$f":"IF(B8>P8,1,2)","v":1},{"$f":"IF(C8>P8,1,2)","v":1}]
["NU (+10 jaar) onder de range",{"$f":"IF(B8<P3,1,2)","v":2},{"$f":"IF(C8<P3,1,2)","v":2}]

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[]
[]
[null,{"$f":"\"WELKOM \"&#REF!","v":{"$error":"#REF!"}},null,null,null,null,false,{"$f":"1+(IF(G5=TRUE,1,0))","v":1}]
[null,"Naam 1e",{"$f":"C197&\"\"","v":""},{"$f":"C197&\"\"","v":""},"Naam 2e",{"$f":"Algemeen!M6","v":0},{"$f":"Algemeen!M6","v":0},null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Algemeen!D9","v":1},{"$f":"C197&\" (\"&C9&\")\"","v":" (0)"},null,null,{"$f":"Algemeen!M6&\" (\"&F9&\")\"","v":"0 (-1)"}]
[null,"Geboortedatum invullen zonder streepjes",{"$f":"Algemeen!E7","v":"00:00:00"},null,"Geboortedatum invullen zonder streepjes",{"$f":"Algemeen!M7","v":"00:00:00"}]
[null,{"$f":"IF(leeftijd1>57,\"Gebruik adviesbox indien ouder dan 57\",IF(leeftijd1>0,\"Leeftijd\",\"Leeftijd (wordt automatisch berekend)\"))","v":"Leeftijd (wordt automatisch berekend)"},{"$f":"Algemeen!D8","v":0},null,"Leeftijd (wordt automatisch berekend)",{"$f":"Algemeen!L8","v":-1}]
[null,{"$f":"IF(C18=7,\"Toetsinkomen uit zelfstandig beroep\",IF(C32>0,\"Inkomen MINUS partneralimentatie\",\"Bruto jaarinkomen plus vakantiegeld\"))","v":"Bruto jaarinkomen plus vakantiegeld"},{"$f":"Algemeen!E12","v":0},null,"Bruto jaarinkomen inclusief vakantiegeld + overig vast",{"$f":"Algemeen!M12","v":0}]
[null,"Indien uitkering, hier invullen (WW/AO/ZW)",{"$f":"Algemeen!E14","v":0},null,"Indien uitkering, hier invullen (WW/AO/ZW)",{"$f":"Algemeen!M14","v":0}]
[null,"Variabele inkomensbestanddelen per jaar (ort/overwerk)",{"$f":"Algemeen!E13","v":0},null,"Variabele inkomensbestanddelen per jaar (ort/overwerk)",{"$f":"Algemeen!M13","v":0}]
[null,{"$f":"IF(OR(leeftijd1>66,Gegevens!B415=1),\"Totaal pensioen + AOW \",\"TOTAAL\")","v":"Totaal pensioen + AOW "},{"$f":"IF(OR(leeftijd1>66,Gegevens!B415=1),PensioenOUD!C19,SUM(C10:C12))-C32","v":19777},null,"TOTAAL",{"$f":"SUM(F10:F12)","v":0}]
[]
[null,"Netto inkomen per maand / voor vergelijk pensioen",{"$f":"Algemeen!E15","v":0},null,"Netto inkomen pm / voor vergelijk pensioen",{"$f":"Algemeen!M15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1.95E-2]
[3,"IB Tarief (automatisch op hoogste inkomen)",{"$f":"IF('Financiële Gegevens'!G65<67,'Financiële Gegevens'!D69,'Financiële Gegevens'!C73)","v":0.36969999999999997},null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2]
[null,"Beroep",null,null,"Beroep"]
[null,"Inkomen","Vast dienstverband",null,"Inkomen","Vast dienstverband",null,null,"Bruto","Netto"]
[]
[null,"Burgerlijke status",{"$f":"IF(C7=1,\"Alleenstaand\",\"Gehuwd GVG\")","v":"Alleenstaand"},null,null,null,null,{"$f":"IF(F30>0,\"Annuïteit & Afl.vrij\",\"Annuïteit\")","v":"Annuïteit"},{"$f":"AnO!O40","v":14.5},{"$f":"AnO!P40","v":14.5},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"PMT(J20/12,AlgemeenOUD!C123,-D5,0,0)","v":0}]
[null,"Spaarsaldo",500,"=>","        Mee te nemen in de hypotheekberekening? ",2,null,{"$f":"IF(F30>0,\"Lineair & Afl.vrij\",\"Lineair\")","v":"Lineair"},{"$f":"LinO!O40","v":14.5},{"$f":"LinO!P40","v":14.5}]
[null,"Spaarbedrag per maand",null,null,"Vrij beschikbaar vermogen",null,null,{"$f":"IF(F30>0,\"Balans & Afl.vrij\",\"Balans\")","v":"Balans"},{"$f":"BalO!O40","v":14.5},{"$f":"BalO!P40","v":14.5}]
[null,{"$f":"IF(AND(leeftijd1>0,C10>0),2,0)","v":0},null,null,null,null,null,{"$f":"IF(F30>0,\"Optimaal & Afl.vrij\",\"Optimaal\")","v":"Optimaal"},{"$f":"Optimaalhypotheek1!N19","v":{"$error":"#VALUE!"}},{"$f":"Optimaalhypotheek1!O19","v":{"$error":"#VALUE!"}}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,16]
[null,{"$f":"IF(Alg_naschuif>(F51*'Financiële Gegevens'!R7),\"Let op NHG regels, zie marktwaarde!\",\"Nieuwe hypotheeksom\")","v":"Nieuwe hypotheeksom"},{"$f":"Algemeen!E43","v":0},0,"Logo zichtbaar op 'Voorstel'",{"$f":"'Voorstel HOR'!X43","v":0},null,"Risicoklasse",null,null,null,null,1.95E-2]
[null,"Maandlast van krediet wat blijft lopen",{"$f":"Algemeen!F20","v":0},null,"Geldverstrekker bij NIET NHG i.v.m. afslag          NHG",{"$f":"Algemeen!S21","v":"Neo Hypotheken"},{"$f":"Algemeen!C56","v":false},{"$f":"IF(nhg=TRUE,0,Alg_naschuif/F51)","v":{"$error":"#DIV/0!"}},null,null,null,null,2]
[null,{"$f":"IF(F30>0,\"Aantal jaren looptijd ANN./LIN. deel\",\"Aantal jaren looptijd hypotheek\")","v":"Aantal jaren looptijd hypotheek"},{"$f":"Algemeen!E27","v":30},null,{"$f":"IF(F29>C35,\"LET OP; BOX 3 > maximale verstrekking!\",\"Box 3 deel hypotheeksom\")","v":"Box 3 deel hypotheeksom"},{"$f":"Algemeen!J44","v":0},"f",null,null,null,null,null,{"$f":"#REF!&\" jaar\"","v":{"$error":"#REF!"}}]
[null,"Duur is jaren plus 1",{"$f":"Algemeen!G27+1","v":31},null,"Aflosvrij deel van de nieuwe hypotheek",{"$f":"Algemeen!K43","v":0},null,null,null,null,1.7000000000000001E-2]
[null,"Erfpacht per jaar",{"$f":"Algemeen!F21*12","v":0},null,"Duur rente aftrek AFLOSVRIJ",{"$f":"Algemeen!P43+1","v":31},null,null,null,"Looptijd aflosvrij + 1 jaar"]
[null,"Te betalen partneralimentatie per jaar",{"$f":"Algemeen!F22*12","v":0},null,"Opslag AFLOSVRIJ",{"$f":"IF(Algemeen!R43=FALSE,0,Algemeen!N43)","v":0},"KRINGVERWIJZING"]
[]
[2015,{"$f":"IF(Gegevens!I415>0,\"Zie pensioen voor verplichte afbouw!\",0)","v":0},"Maximale verstrekking","Jaar","Werkelijke toetsrente",{"$f":"IF(uw_gekozen_rente=0,\"VUL EEN RENTE IN!\",\"Uw gekozen rente\")","v":"Uw gekozen rente"}]
[null,"Maximale verstrekking",{"$f":"Gegevens!G415","v":141562.90443379167},2017,{"$f":"ROUND(SUM(I50:I53),5)","v":3.7999999999999999E-2},{"$f":"Algemeen!E25","v":3.7999999999999999E-2},null,null,null,null,null,null,null,1.7000000000000001E-2]
[null,"Ter info; verantwoorde jaarlast conform GHF norm",{"$f":"Gegevens!J415","v":3362.09}]
[{"$f":"AND(IF(F35>0.025,FALSE,FALSE),IF(F35<=0.0269,FALSE,FALSE))","v":false},{"$f":"IF(C43=1,0,IF(A37=TRUE,\"Geen balans mogelijk indien rente >2,50% & <2,69%\",IF(C10=0,\" \",IF($C$43=\"\",\" \",\"Gedragscode met optimaalrente: \"))))","v":0},{"$f":"IF(Gegevens!I8=0,\"XXX\",IF(C43=1,0,IF(C7=2,'Maximale verstrekking'!S56,IF(C43=1,0,IF(A37=TRUE,\"-\",IF(C10=0,\" \",IF(C43=1,\" \",IF(C7=3,'Maximale verstrekking'!S56,'Maximale verstrekking'!T56))))))))","v":"XXX"},null,"Uw optimaalrente",{"$f":"ROUND(IF(Gegevens!I8=0,\"XXX\",IF(uw_gekozen_rente=0,0,IF(Opslag_aflosvrij>0,ReBa!F29,IF(ReBa!A14<>16,ReBa!U14,ReBa!F4)))),5)","v":{"$error":"#VALUE!"}}]
[]
[null,"Maximale hypotheek inkomen 1e aanvrager ",{"$f":"IF(OR(C10=0,F35=0),0,'Maximale verstrekking'!F56)","v":0},null,"Maximale hypotheek 2e aanvrager ",{"$f":"IF(F35=0,0,'Maximale verstrekking'!G56)","v":0}]
[]
[2,"Comfort Service Pakket",{"$f":"Algemeen!E45","v":14.5},null,"Kies hier uw rentevastperiode",2,5,1,"bij waar dan:"]
[0,null,2]
[0,{"$f":"IF(C27=0,\"Optimaalrente\",IF(C37>C27,\"Optimaliseren met schuif:\",\"Optimaalrente\"))","v":"Optimaalrente"},1,null,"Aantal jaren rentevast",{"$f":"Algemeen!E26","v":10},"10+",{"$f":"IF(C43=1,TRUE,FALSE)","v":true},{"$f":"HLOOKUP(F35,ReBa!F32:AT34,3,TRUE)","v":4.0009999999999997E-2},{"$f":"AND(C10>0,F35=0)","v":false}]
[]
[{"$f":"AND(C43>1,C27=0)","v":false},{"$f":"IF(Gegevens!I8=0,\"XXX\",ReBa!D7)","v":"XXX"},{"$f":"IF(Gegevens!I8=0,\"XXX\",ReBa!D8)","v":"XXX"},{"$f":"IF(C43=1,0,\"Marge:\")","v":0},{"$f":"IF(C43=2,\"Uw rente KORTER DAN 10 jaar vast :\",IF(C43=3,\"Uw rente LANGER DAN 10 jr vast:\",\" \"))","v":" "},{"$f":"Algemeen!M30","v":4.2000000000000003E-2},null,{"$f":"IF(C43=2,TRUE,FALSE)","v":false},{"$f":"HLOOKUP(F35,ReBa!F36:AT38,3,TRUE)","v":4.0009999999999997E-2}]
[null,{"$f":"IF(C27=0,0,IF(C43=1,0,ReBa!D12))","v":0},{"$f":"IF(C27=0,0,IF(C43=1,0,ReBa!D13))","v":0},{"$f":"IF(C43=1,0,IF(ReBa!A14=0,0,IF(Nieuwe_hypotheeksom>0,AlgemeenOUD!C37-AlgemeenOUD!C27,0)))","v":0},{"$f":"IF(C43=1,\" \",\"Rentevastperiode leningdeel 2                    \")","v":" "},{"$f":"Algemeen!M29","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,-16]
[null,"Reden afsluiten hypotheek",{"$f":"Algemeen!A32","v":1},null,"Advies- & bemiddelingstarief           ",{"$f":"Algemeen!E46","v":0},null,"Annuiteti","Bepaling toetsrente",null,null,null,null,1,-60]
[null,null,200000,null,{"$f":"IF(C48=1,\"Koopsom Kosten Koper (KK):\",IF(C48=2,\"Koopsom Vrij Op Naam (VON)\",IF(C48>2,\"Restschuld huidige hypotheek\",\"\")))","v":"Koopsom Kosten Koper (KK):"},null,null,null,null,null,null,null,null,2,-14]
[null,{"$f":"IF(C48=1,\"Koopsom Kosten Koper (KK):\",IF(C48=2,\"Koopsom Vrij Op Naam (VON)\",IF(C48>2,\"Restschuld huidige hypotheek\")))","v":"Koopsom Kosten Koper (KK):"},{"$f":"Algemeen!E33","v":0},null,"WOZ-waarde",{"$f":"Algemeen!E36","v":0},null,null,{"$f":"IF(F43<10,'Financiële Gegevens'!C49,0)","v":0},null,null,null,null,3,-55]
[null,null,null,null,{"$f":"IF(Algemeen!E32=\"Aankoop nieuwbouw woning\",\"Marktwaarde\",IF(Algemeen!H39>0,\"Marktwaarde na verbouw\",\"Marktwaarde\"))","v":"Marktwaarde"},{"$f":"IF(Algemeen!H39>0,Algemeen!L39,Algemeen!E37)","v":0},null,null,{"$f":"IF(AND(F43>9.99999,F30>0),D58,0)","v":0},null,null,null,null,4,-50]
[null,{"$f":"IF(D52=1,\"Cataloguswaarde auto van de zaak\",\"Auto van de zaak\")","v":"Auto van de zaak"},null,{"$f":"IF(AND(leeftijd1>0,C10>0),2,0)","v":0},"Index markwaarde",{"$f":"IF(G52=1,Algemeen!F41,0)","v":0},{"$f":"IF(Algemeen!E41=\"Ja\",1,0)","v":0},"Ja",null,null,null,null,null,5,-45]
[null,"Bijtellingpercentage",null,null,null,{"$f":"IF(F54>0,\"Kredietlast bruto per maand\",0)","v":"Kredietlast bruto per maand"},null,"Nee",{"$f":"IF(AND(F43>9.9999999,F30=0),F35,0)","v":3.7999999999999999E-2},null,null,null,null,6,-40]
[null,null,null,null,"Krediet          ",{"$f":"'Restschuld rekenblad'!B16","v":16.081976022323506},false,false,null,null,null,null,null,7,-35]
[null,{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!C22,IF(AND($F$30>0,$C$43>1),E45,0))","v":0},{"$f":"Alg_naschuif-Aflosvrij_leningdeel","v":0},{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!E21,IF(AND($F$30>0,$C$43>1),ReBa!E26,0))","v":0},"Bedrag",null,null,null,null,null,null,null,null,8,-30]
[null,{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!C22,IF(AND($F$30>0,$C$43>1),E45,0))","v":0},{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!D22,IF(AND($F$30>0,$C$43>1),ReBa!D27,0))","v":0},{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!E22,IF(AND($F$30>0,$C$43>1),ReBa!E27,0))","v":0},"Looptijd",1,null,null,null,null,null,null,null,9,-25]
[null,{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!C23,IF(AND($F$30>0,$C$43>1),ReBa!C28,0))","v":0},{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!D23,IF(AND($F$30>0,$C$43>1),ReBa!D28,0))","v":0},{"$f":"IF(AND($F$30>0,$C$43=1),ReBa!E23,IF(AND($F$30>0,$C$43>1),ReBa!E28,0))","v":0},"Duur aftrek",{"$f":"F56","v":1},null,null,null,null,null,null,null,10,-20]
[null,null,{"$f":"SUM(C53:C57)","v":0},{"$f":"IF(AND(F30>0,C43=1),ReBa!F21,IF(AND(F30>0,C43>1),ReBa!F29,0))","v":0},"Vorm",1,{"$f":"+F58","v":1},null,null,null,null,null,null,11,-15]
[null,"Eerst geb.datum & inkomen invoeren",null,null,"Rentepercentage",null,null,null,null,null,null,null,null,12,-10]
[1,"Zonder partner",1,1,"Rentevast periode",1,{"$f":"+F60","v":1},null,null,null,null,null,null,13,-8]
[2,"Met partner zonder inkomen",2,2,"Is krediet een restschuld",1,null,"Ja",null,null,null,null,null,14,-6]
[3,"Met partner met inkomen",3,null,"Aankoop bestaande woning",1,null,"Nee",null,null,null,null,null,15,-4]
[null,null,null,null,"Aankoop nieuwbouw woning",{"$f":"F62+1","v":2},null,null,null,null,null,null,null,16,0]
[null,{"$f":"Algemeen!E9","v":"Zonder partner"},{"$f":"VLOOKUP(B64,B60:C62,2,FALSE)","v":1},1,"Oversluiten hypotheek",3,null,null,null,null,null,null,null,17,1]
[null,null,null,{"$f":"D64+1","v":2},"2e hypotheek",4,"Wijzigen hypotheekvorm",{"$f":"F64+1","v":4},null,null,null,null,null,18,2]
[null,"Nieuwe invoer met vakjes",null,3,null,null,"Beter rentevoorstel",{"$f":"H65+1","v":5},null,null,null,null,null,19,3]
[null,null,null,4,"Resultaat",{"$f":"Algemeen!A32","v":1},"Zekere hypotheekopbouw",6,null,null,null,null,null,20,4]
[null,null,null,5,null,null,"Verbouwing/woningverbetering",7,null,null,null,null,null,21,5]
[null,null,null,6,null,null,"Inkoop zekerheid: langere rentevastperiode",8,null,null,null,null,null,22,6]
[null,null,null,7,null,null,"Consumptieve opname",9,null,null,null,null,null,23,7]
[null,null,null,8,null,null,"Benutten overwaarde voor extra inkomen",10,null,null,null,null,null,24,8]
[null,null,null,9,null,null,"Scheiding/uitkoop ex partner",11,null,null,null,null,null,25,9]
[null,"ff",null,10,null,null,"Totale betere hypotheeksituatie",12,null,null,null,null,null,26,10]
[null,null,null,11,null,null,"Oversluiting om diverse redenen",13,null,null,null,null,null,27,11]
[null,null,"Woonsituatie thuiswonend. Kostgeld:",12,null,null,null,null,null,null,null,null,null,28,12]
[null,"ff","Woonsituatie huurwoning. Huur:",15,"Keuze",{"$f":"VLOOKUP(Algemeen!E32,E62:F65,2,FALSE)","v":1},null,null,null,null,null,null,null,29,13]
[null,1,"Huidige hypotheek ",null,null,null,null,null,null,null,null,null,null,30,14]
[null,2,"Overig",null,null,null,null,null,null,null,null,null,null,31,15]
[null,3,null,null,null,null,null,null,null,null,null,null,null,32,16]
[null,4,1,null,null,null,null,null,null,null,null,null,null,33,17]
[null,null,"AAN",null,null,null,null,null,null,null,null,null,null,34,18]
[null,null,"UIT",null,null,null,null,null,null,null,null,null,null,35,19]
[null,1,"Rentescenario aan",null,null,null,null,null,null,null,null,null,null,36,20]
[null,2,"Rentescenario uit",null,null,null,null,null,null,null,null,null,null,37,21]
[null,null,null,null,null,null,null,null,null,null,null,null,null,38,22]
[null,null,null,null,0,null,null,null,null,null,null,null,null,39,23]
[null,null,null,null,1,null,null,null,null,null,null,null,null,40,24]
[null,null,null,null,{"$f":"E87+1","v":2},null,null,null,null,null,null,null,null,41,25]
[null,null,null,null,3,null,null,null,null,null,null,null,null,42,26]
[null,null,null,null,4,null,null,null,null,null,null,null,null,43,27]
[null,null,null,null,5,null,null,null,null,null,null,null,null,44,28]
[null,null,null,null,6,null,null,null,null,null,null,null,null,45,29]
[null,null,null,null,7,null,null,null,null,null,null,null,null,46,30]
[null,null,null,null,8,null,null,null,null,null,null,null,null,47,31]
[5,null,null,null,9,null,null,null,null,null,null,null,null,48,32]
[7,null,null,null,10,null,null,null,null,null,null,null,null,49,33]
[10,1,5,null,11,null,null,null,null,null,null,null,null,50,34]
[12,2,10,null,12]
[15,{"$f":"B98+1","v":3},15,null,13]
[20,{"$f":"B99+1","v":4},20,null,14]
[25,{"$f":"B100+1","v":5},25,null,15]
[30,{"$f":"B101+1","v":6},30,null,16]
[null,null,null,null,17]
[1,null,null,null,18]
[{"$f":"A104+1","v":2},null,null,null,19]
[{"$f":"A105+1","v":3},null,null,null,20]
[{"$f":"A106+1","v":4},null,null,null,21]
[{"$f":"A107+1","v":5},null,null,null,22]
[{"$f":"A108+1","v":6},null,null,null,23]
[null,null,null,null,24]
[null,null,null,null,25]
[null,null,null,null,26]
[null,null,null,null,27]
[null,null,null,null,28]
[null,null,null,null,29]
[null,null,null,null,30]
[]
[]
[]
[]
[]
[]
[null,{"$f":"C29","v":30},{"$f":"VLOOKUP(B123,B125:C154,2)","v":360},"is dit niet *12?"]
[]
[null,1,{"$f":"B125*12","v":12}]
[null,{"$f":"B125+1","v":2},{"$f":"C125+12","v":24}]
[null,3,36]
[null,4,48]
[null,5,60]
[null,6,72]
[null,7,84]
[null,8,96]
[null,9,108]
[null,10,120]
[null,11,132]
[null,12,144]
[null,13,156]
[null,14,168]
[null,15,180]
[null,16,192]
[null,17,204]
[null,18,216]
[null,19,228]
[null,20,240]
[null,21,252]
[null,22,264]
[null,23,276]
[null,24,288]
[null,25,300]
[null,26,312]
[null,27,324]
[null,28,336]
[null,29,348]
[null,30,360]
[]
[]
[]
[]
[]
[]
[]
[null,"CSP"]
[null,0,1]
[null,14.5,2]
[null,19.5,3]
[null,25,4]
[null,"Loopt reeds",5]
[1]
[2]
[3]
[]
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[]
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[]
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[]
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[]
[]
[]
[null,"Eerste naam"]
[]
[null,"Namen AVG proof",false]
[]
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["Gemaakt door David de Weijer 1444AL / 18"]
[]
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["Gemaakt door David de Weijer 1705 TR / 2"]
[]
["Gemaakt door David de Weijer 1705TR / 2"]

{"sheet":"Uw gegevens","index":43,"n_rows":33,"n_cols":3,"rows_kept":33,"cut":false,"hidden":true,"merged":[[0,0,0,2],[32,0,32,2],[1,0,1,2],[2,0,2,2],[21,0,21,2],[22,0,22,2],[25,0,25,2],[31,0,31,2]]}
[]
[]
[]
[{"$f":"AlgemeenOUD!C6","v":""},null,{"$f":"IF(Algemeen!E9=\"Zonder partner\",\" \",Algemeen!M6)","v":" "}]
[]
[{"$f":"leeftijd1&\" jaar\"","v":"0 jaar"},null,{"$f":"leeftijd2&\" jaar\"","v":"-1 jaar"}]
[{"$f":"IF(Algemeen!E9=\"Zonder partner\",\"U bent alleenstaand\",\"Vul in\")","v":"U bent alleenstaand"}]
[]
["Soort inkomen",null,{"$f":"IF(AlgemeenOUD!C7=3,\"Soort inkomen\",\" \")","v":" "}]
[]
["U hebt een vast dienstverband",null,{"$f":"IF(AlgemeenOUD!C7=2,\"\",AlgemeenOUD!F18)","v":"Vast dienstverband"}]
["Inkomen per jaar",null,{"$f":"IF(AlgemeenOUD!C7=3,A12,0)","v":0}]
[{"$f":"Algemeen!$E$15","v":0},null,{"$f":"AlgemeenOUD!F10+AlgemeenOUD!F11","v":0}]
[{"$f":"IF(AlgemeenOUD!C12=0,0,\"waarvan variabel inkomen\")","v":0},null,{"$f":"IF(Algemeen!M13=0,0,\"waarvan variabel inkomen\")","v":0}]
[{"$f":"IF(Algemeen!$E$13>0,Algemeen!$E$13,\"Er is geen variabel inkomen bekend\")","v":"Er is geen variabel inkomen bekend"},null,{"$f":"IF(Algemeen!M132=0,\"Er is geen variabel inkomen bekend\",Algemeen!M13)","v":"Er is geen variabel inkomen bekend"}]
[]
[null,null,{"$f":"IF(AlgemeenOUD!F15=0,0,\"Netto maandinkomen € \"&AlgemeenOUD!F15)","v":0}]
[]
["Uw verantwoorde hypotheek",null,{"$f":"IF(AlgemeenOUD!F13>0,\"Uw verantwoorde hypotheek\",\"Zonder inkomen is geen hypotheek mogelijk\")","v":"Zonder inkomen is geen hypotheek mogelijk"}]
[{"$f":"'Scheiding uitvoer'!D8","v":60128.714799105554},null,{"$f":"'Scheiding uitvoer'!D24","v":0}]
[]
["Verantwoorde hypotheek gezamenlijk"]
[{"$f":"AlgemeenOUD!C35","v":141562.90443379167}]
[]
["Spaarsaldo",null,"Geen spaarsaldo / spaarsaldo nihil"]
[{"$f":"IF(AlgemeenOUD!C21=0,\"Er is geen spaarsaldo dus kan er niets in de hypotheekberekening worden meegenomen\",VLOOKUP(AlgemeenOUD!F21,Gegevens!C331:D334,2))","v":"Het spaarsaldo dient niet gebruikt te worden voor de hypotheek"}]
[]
["Spaarbedrag per maand",null,{"$f":"IF(AlgemeenOUD!C22=0,\"Er wordt maandelijks nihil gespaard\",AlgemeenOUD!C22)","v":"Er wordt maandelijks nihil gespaard"}]
["Huidige woonlast",null,"Bedrag of omschrijving invullen"]
[]
[]
["Reden aangaan nieuwe hypotheek"]
[{"$f":"Algemeen!E32","v":"Aankoop bestaande woning"}]

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[]
[]
[]
[]
[null,"Koopsom",null,null,null,null,{"$f":"Algemeen!$E$33","v":0}]
[null,"Kosten koper afgerond",null,null,null,null,15000]
[null,"Verbouwing",null,null,null,null,{"$f":"Algemeen!H39","v":0}]
[]
[null,"Totaal",null,null,null,null,{"$f":"SUM(G5:G7)","v":15000}]
[]
[]
[null,"Eigendom",{"$f":"Algemeen!$E$6","v":""},null,0.5,null,{"$f":"G9*E12","v":7500},null,"=> Alleen hier het eigendom% invullen"]
[null,"Eigendom",{"$f":"Algemeen!$M$6","v":0},null,{"$f":"100%-E12","v":0.5},null,{"$f":"G9*E13","v":7500}]
[]
[null,"Overwaarde",{"$f":"C12","v":""}]
[null,"Overwaarde ",{"$f":"C13","v":0}]
[null,"Inleg",{"$f":"C15","v":""}]
[null,"Inleg",{"$f":"C16","v":0}]
[]
[null,"Hypotheekbedrag",null,null,null,null,{"$f":"G9-G15-G16-G17-G18","v":15000}]
[]
[]
[null,"WETTELIJKE REGELING "]
[]
[]
[null,null,null,{"$f":"C12","v":""},null,null,{"$f":"C13","v":0}]
[]
[null,"Verwerving",null,{"$f":"G12","v":7500},null,null,{"$f":"G13","v":7500}]
[]
[null,"Eigen deel EWS - inbreng",null,{"$f":"D28-G15-G17","v":7500},null,null,{"$f":"G28-G16-G18","v":7500}]
[]
[null,"Inbreng overwaarde",null,{"$f":"G15","v":0},null,null,{"$f":"G16","v":0}]
[null,"Inbreng eigen middelen",null,{"$f":"G17","v":0},null,null,{"$f":"G18","v":0}]
[null,"Tegoed van partner",null,{"$f":"D37-D30","v":0},null,null,{"$f":"G37-G30","v":0}]
[]
[]
[null,"EWS",null,{"$f":"G20*E12","v":7500},null,null,{"$f":"G20*E13","v":7500},null,{"$f":"IF(OR(D37<0,G37<0),\"EWS kleiner dan € 0, pas verhouding aan!\",\" \")","v":" "}]
[]
[]
[null,"DRAAGPLICHTOVEREENKOMST"]
[]
[]
[null,null,null,{"$f":"D26","v":""},null,null,{"$f":"G26","v":0}]
[]
[null,"Verwerving",null,{"$f":"G12","v":7500},null,null,{"$f":"G13","v":7500}]
[]
[null,"Overwaarde",null,{"$f":"G15","v":0},null,null,{"$f":"G16","v":0}]
[null,"Inleg",null,{"$f":"G17","v":0},null,null,{"$f":"G18","v":0}]
[]
[null,"EWS",null,{"$f":"D45-D47-D48","v":7500},null,null,{"$f":"G45-G47-G48","v":7500}]

{"sheet":"Wijzigingen","index":45,"n_rows":9,"n_cols":2,"rows_kept":9,"cut":false,"hidden":true,"merged":[]}
["Datum","Aanpassing"]
[]
["2018-09-20","Verbouwing stond standaard aangevinkt. Uitgezet. "]
[]
["2018-10-04","Voorstel HOR: verplaatsen objecten gekoppeld aan cellen"]
[]
["2018-10-07","Verwijzingen aangepast, geen objecten bewerkt"]
[]
["2018-10-19","Dropdowns in voorstel HOR gerelateerd aan cellen"]

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["R3",{"$f":"+Algemeen!N42","v":0.04},{"$f":"IF(Algemeen!N43<10,'Financiële Gegevens'!C49,B8)","v":0.04}]
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[null,null,null,"c2",{"$f":"+B3*B13","v":0},null,null,"V=",{"$f":"+B12*E14-E13","v":0},null,null,null,null,null,null,null,null,null,null,null,"x(a-Ropt.c+Ropt.d-b)","HRopt.d-H.b"]
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["L2",{"$f":"IF(B15,0,+M2+C29)","v":30353.201908487241},{"$f":"-PMT(C7/12,B2,B19)","v":148.43237010444437},{"$f":"IF(B19=C26,0,$C$23*C19/$C$21)","v":2.2368453644159288E-2},{"$f":"+C19-D19","v":148.41000165080021},{"$f":"-PV(C7/12,B2,E19)","v":30348.627743233777},{"$f":"+B2","v":360},{"$f":"+C7","v":4.2000000000000003E-2},{"$f":"+F19*G19*H19","v":458871.25147769472},{"$f":"+G19*F19","v":10925505.98756416},null,null,null,null,null,null,null,null,null,null,"ax+by+c1","Ropt",null,"x+y=H"]
["L3",{"$f":"+B13","v":0},{"$f":"-PMT(C8/12,B3,B20)","v":0},{"$f":"+C23-D18-D19","v":0},{"$f":"+C20-D20","v":0},{"$f":"-PV(C8/12,B3,E20)","v":0},{"$f":"+B3","v":360},{"$f":"+C8","v":0.04},{"$f":"+F20*G20*H20","v":0},{"$f":"+G20*F20","v":0},null,null,null,null,null,null,null,null,null,null,"cx+dy+c2"]
[null,"Geeft last",{"$f":"SUM(C18:C20)+0.000001","v":288.45805337016259},null,null,{"$f":"SUM(F18:F20)","v":60395.279090980446},null,null,{"$f":"SUM(I18:I20)","v":869909.44191486912},{"$f":"SUM(J18:J20)","v":21742300.472752959}]
[null,"Maxlast",{"$f":"IF(Alg_Sit=1,'Maximale verstrekking'!T50,'Maximale verstrekking'!S50)/12","v":288.41458333333333},null,null,null,null,null,{"$f":"+I21/(J21+0.000001)","v":4.0009999999999234E-2},null,null,null,null,null,null,null,null,null,null,null,"ax+by+c1","Ropt(cx+dy+c2)",null,"y=H-x"]
[null,"Te veel",{"$f":"MAX(0,+C21-C22)","v":4.3470036829262426E-2}]
[null,"<10jaar",{"$f":"AlgemeenOUD!$C$43=2","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ax+by+c1","Ropt.cx+Ropt.d.y+Ropt.c2"]
[null,"Aflosgelijk",false]
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[null,null,{"$f":"IF(C27<0,-C27,MAX(C26-C27,0))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(H-x)(Ropt.d-b)+V",null,"V=Ropt.c2-c1"]
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["L2",{"$f":"B13","v":0},{"$f":"B3","v":360},{"$f":"C8","v":0.04},{"$f":"+B33*C33*D33","v":0},{"$f":"+C33*B33","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x","HRopt.d-H.b+V"]
["R1",null,null,null,{"$f":"+B34*C34*D34","v":0},{"$f":"+C34*B34","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ropt(d-c)+a-b"]
["R2",null,null,null,{"$f":"SUM(E32:E34)","v":826331.94449374243},{"$f":"SUM(F32:F34)","v":21745577.486677434}]
[null,null,null,null,{"$f":"+E35/(F35+0.000001)","v":3.799999999999825E-2}]

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["H",{"$f":"IF(Nieuwe_hypotheeksom=0,IF(Alg_Sit=1,'Maximale verstrekking'!T56,'Maximale verstrekking'!S56),Nieuwe_hypotheeksom)","v":60404.381907437317},{"$f":"+B11-B13+Gegevens!E454","v":60404.381907437317},null,null,null,null,"Ropt(d-c)",{"$f":"+B12*(F7-F6)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"(H-x)(Ropt.d-b)"]
["Ropt",{"$f":"FLOOR(MIN(C6:C7)*200,1)/200+0.00501","v":4.0010000000000004E-2},null,null,null,null,null,"x=",{"$f":"+I7-I2+I14","v":-43273.699198488146},"/",{"$f":"+I6+I11","v":-1.4400000000000013},{"$f":"IF(K12=0,C11/2,+I12/K12)","v":30051.179998950076},{"$f":"+L12*2","v":60102.359997900152},null,null,null,null,null,null,null,null,"H(Ropt.d-b)-x(Ropt.d-b)"]
["Vrij",{"$f":"+Algemeen!K43","v":0},null,"c1",{"$f":"B3*C8*B13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x(a-Ropt.c)+x(Ropt.d-b)","H(Ropt.d-b)"]
[null,null,null,"c2",{"$f":"+B3*B13","v":0},null,null,"V=",{"$f":"+B12*E14-E13","v":0},null,null,null,null,null,null,null,null,null,null,null,"x(a-Ropt.c+Ropt.d-b)","HRopt.d-H.b"]
[null,{"$f":"L12<0","v":false},{"$f":"MAX(C6:C7)","v":4.2000000000000003E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x","HRopt.d-H.b"]
["verander",{"$f":"SUM(B1:B11)","v":61484.501907437319},"<dit bedrag wordt gebruikt om te bepalen of de optimaal overgezet moet worden",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ropt(d-c)+a-b"]
[]
["L1",{"$f":"IF(B15,0,+M1-OptB_CorrDest)","v":30051.179998950076},{"$f":"-PMT(C6/12,B1,B18)","v":140.02568226571825},{"$f":"IF(B13=0,C23-D19,$C$23*C18/$C$21)","v":2.1101583185103138E-2},{"$f":"+C18-D18","v":140.00458068253315},{"$f":"-PV(C6/12,B1,E18)","v":30046.651347746669},{"$f":"+B1","v":360},{"$f":"+C6","v":3.7999999999999999E-2},{"$f":"+F18*G18*H18","v":411038.1904371744},{"$f":"+G18*F18","v":10816794.485188801}]
["L2",{"$f":"IF(B15,0,+M2+OptB_CorrDest)","v":30353.201908487241},{"$f":"-PMT(C7/12,B2,B19)","v":148.43237010444437},{"$f":"IF(B19=C26,0,$C$23*C19/$C$21)","v":2.2368453644159288E-2},{"$f":"+C19-D19","v":148.41000165080021},{"$f":"-PV(C7/12,B2,E19)","v":30348.627743233777},{"$f":"+B2","v":360},{"$f":"+C7","v":4.2000000000000003E-2},{"$f":"+F19*G19*H19","v":458871.25147769472},{"$f":"+G19*F19","v":10925505.98756416},null,null,null,null,null,null,null,null,null,null,"ax+by+c1","Ropt",null,"x+y=H"]
["L3",{"$f":"+B13","v":0},{"$f":"-PMT(C8/12,B3,B20)","v":0},{"$f":"+C23-D18-D19","v":0},{"$f":"+C20-D20","v":0},{"$f":"-PV(C8/12,B3,E20)","v":0},{"$f":"+B3","v":360},{"$f":"+C8","v":0.04},{"$f":"+F20*G20*H20","v":0},{"$f":"+G20*F20","v":0},null,null,null,null,null,null,null,null,null,null,"cx+dy+c2"]
[null,"Geeft last",{"$f":"SUM(C18:C20)+0.000001","v":288.45805337016259},null,null,{"$f":"SUM(F18:F20)","v":60395.279090980446},null,null,{"$f":"SUM(I18:I20)","v":869909.44191486912},{"$f":"SUM(J18:J20)","v":21742300.472752959}]
[null,"Maxlast",{"$f":"IF(Alg_Sit=1,'Maximale verstrekking'!T50,'Maximale verstrekking'!S50)/12","v":288.41458333333333},null,null,null,null,null,{"$f":"+I21/(J21+0.000001)","v":4.0009999999999234E-2},null,null,null,null,null,null,null,null,null,null,null,"ax+by+c1","Ropt(cx+dy+c2)",null,"y=H-x"]
[null,"Te veel",{"$f":"MAX(0,+C21-C22)","v":4.3470036829262426E-2}]
[null,"<10jaar",{"$f":"AlgemeenOUD!$C$43=2","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ax+by+c1","Ropt.cx+Ropt.d.y+Ropt.c2"]
[null,"Aflosgelijk",false]
[null,"L. minimaal",{"$f":"Algemeen!P27","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ax-Ropt.cx","Ropt.d.y-by+Ropt.c2-c1"]
[null,null,{"$f":"MIN(B18:B19)","v":30051.179998950076},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x(a-Ropt.c)","y(Ropt.d-b)+V",null,"y=H-x"]
[null,null,{"$f":"IF(C27<0,-C27,MAX(C26-C27,0))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(H-x)(Ropt.d-b)+V",null,"V=Ropt.c2-c1"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"H(Ropt.d-b)-x(Ropt.d-b)+V"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x(a-Ropt.c)+x(Ropt.d-b)","H(Ropt.d-b)+V"]
["Gewogen rente zonder optimaal",null,null,null,null,null,null,null,null,"Regels 2024",null,null,null,null,null,null,null,null,null,null,"x(a-Ropt.c+Ropt.d-b)","HRopt.d-H.b+V"]
["L1",{"$f":"+C11","v":60404.381907437317},{"$f":"B1","v":360},{"$f":"C6","v":3.7999999999999999E-2},{"$f":"+B32*C32*D32","v":826331.94449374243},{"$f":"+C32*B32","v":21745577.486677434}]
["L2",{"$f":"B13","v":0},{"$f":"B3","v":360},{"$f":"C8","v":0.04},{"$f":"+B33*C33*D33","v":0},{"$f":"+C33*B33","v":0},null,null,null,"Meer te lenen",null,{"$f":"Gegevens!E447","v":16000},null,null,null,null,null,null,null,null,"x","HRopt.d-H.b+V"]
["R1",null,null,null,{"$f":"+B34*C34*D34","v":0},{"$f":"+C34*B34","v":0},null,null,null,"Correctie looptijd",null,{"$f":"Gegevens!E454","v":0},null,null,null,null,null,null,null,null,null,"Ropt(d-c)+a-b"]
["R2",null,null,null,{"$f":"SUM(E32:E34)","v":826331.94449374243},{"$f":"SUM(F32:F34)","v":21745577.486677434},null,null,null,"Annuïteit",null,{"$f":"-PMT(H19/12,G19,L33)","v":78.242747794164174}]
[null,null,null,null,{"$f":"+E35/(F35+0.000001)","v":3.799999999999825E-2}]

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[null,null,null,null,null,null,null,null,"Absoluut verschil tussen gegeven rente en optimaal rente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,null,null,null,null,null,null,null,null,null,"Deel van het verschil",null,"Deel van de hoofdsom"]
["optimumrente vanuit",null,"Hypotheeksom ",null,null,{"$f":"IF(Nieuwe_hypotheeksom=0,Optimaal_max_verstrekking,Nieuwe_hypotheeksom)","v":"XXX"},{"$f":"F3","v":"XXX"},null,null,null,null,null,null,null,"Omge-draaid","looptijd",{"$f":"Algemeen!E27","v":30}]
["authentieke RVP",null,"Optimaalrente%",null,null,{"$f":"HLOOKUP(AlgemeenOUD!F35,F32:AT34,3,TRUE)","v":4.0009999999999997E-2},null,null,null,null,null,null,null,null,null,"verantwoord",{"$f":"+Reba_MaxOrg","v":288.41458333333333},{"$f":"IF(Alg_Sit=1,'Maximale verstrekking'!T50,'Maximale verstrekking'!S50)/12","v":288.41458333333333},{"$f":"+Reba_MaxOrg=Reba_Maxres","v":true}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"verschil",{"$f":"MIN($Q$4-P9,0)","v":{"$error":"#VALUE!"}}]
["OPTIMUM ZONDER",null,"Deel 1",{"$f":"S7","v":{"$error":"#VALUE!"}},null,{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2},null,{"$f":"F7/$F$3*O7","v":{"$error":"#VALUE!"}},{"$f":"ABS($F$4-F7)","v":2.0099999999999979E-3},"Procentuele verdeling deel 1",{"$f":"I7/I10","v":0.50249999999999906},null,{"$f":"K7*$F$3","v":{"$error":"#VALUE!"}},null,{"$f":"M8","v":{"$error":"#VALUE!"}},{"$f":"-PMT(F7/12,$Q$3*12,O7)","v":{"$error":"#VALUE!"}},{"$f":"P7/P9*Q6","v":{"$error":"#VALUE!"}},{"$f":"+Q7+P7","v":{"$error":"#VALUE!"}},{"$f":"-PV(F7/12,$Q$3*12,R7)","v":{"$error":"#VALUE!"}},{"$f":"+S7*F7","v":{"$error":"#VALUE!"}}]
["AFLOSVRIJE OPSLAG",null,"Deel 2",{"$f":"S8","v":{"$error":"#VALUE!"}},null,{"$f":"IF(AlgemeenOUD!C43=2,5%,AlgemeenOUD!F45)","v":4.2000000000000003E-2},null,{"$f":"F8/F3*O8","v":{"$error":"#VALUE!"}},{"$f":"ABS(F4-F8)","v":1.9900000000000057E-3},"Procentuele verdeling deel 2",{"$f":"I8/I10","v":0.497500000000001},null,{"$f":"K8*F3","v":{"$error":"#VALUE!"}},null,{"$f":"M7","v":{"$error":"#VALUE!"}},{"$f":"-PMT(F8/12,$Q$3*12,O8)","v":{"$error":"#VALUE!"}},{"$f":"+Q6-Q7","v":{"$error":"#VALUE!"}},{"$f":"+Q8+P8","v":{"$error":"#VALUE!"}},{"$f":"-PV(F8/12,$Q$3*12,R8)","v":{"$error":"#VALUE!"}},{"$f":"+S8*F8","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(P7:P8)","v":{"$error":"#VALUE!"}},null,null,{"$f":"SUM(S7:S8)","v":{"$error":"#VALUE!"}},{"$f":"SUM(T7:T8)","v":{"$error":"#VALUE!"}},{"$f":"+T9/S9","v":{"$error":"#VALUE!"}}]
[null,null,"Totaal alles aflossing:",{"$f":"SUM(D7:D9)","v":{"$error":"#VALUE!"}},null,"OPTIMAAL",null,{"$f":"optimaalber!B12","v":4.0010000000000004E-2},{"$f":"SUM(I7:I8)","v":4.0000000000000036E-3},null,{"$f":"SUM(K7:K8)","v":1},null,{"$f":"SUM(M7:M8)","v":{"$error":"#VALUE!"}},null,{"$f":"SUM(O7:O8)","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MIN($Q$4-P14,0)","v":{"$error":"#VALUE!"}}]
["OPTIMUM SCHUIF",null,"Deel 1",{"$f":"S12","v":{"$error":"#VALUE!"}},null,{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2},null,null,null,null,null,null,null,null,{"$f":"O7-VLOOKUP(A14,AlgemeenOUD!$N$48:$O$97,2,FALSE)*1000","v":{"$error":"#VALUE!"}},{"$f":"-PMT(F12/12,$Q$3*12,O12)","v":{"$error":"#VALUE!"}},{"$f":"P12/P14*Q11","v":{"$error":"#VALUE!"}},{"$f":"+Q12+P12","v":{"$error":"#VALUE!"}},{"$f":"-PV(F12/12,$Q$3*12,R12)","v":{"$error":"#VALUE!"}},{"$f":"+S12*F12","v":{"$error":"#VALUE!"}}]
["zonder aflosvrije opslag",null,"Deel 2",{"$f":"S13","v":{"$error":"#VALUE!"}},null,{"$f":"IF(AlgemeenOUD!C43=2,5%,AlgemeenOUD!F45)","v":4.2000000000000003E-2},null,{"$f":"VLOOKUP(A14,AlgemeenOUD!$N$48:$O$97,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,{"$f":"D8+VLOOKUP(A14,AlgemeenOUD!$N$48:$O$97,2,FALSE)*1000","v":{"$error":"#VALUE!"}},{"$f":"-PMT(F13/12,$Q$3*12,O13)","v":{"$error":"#VALUE!"}},{"$f":"+Q11-Q12","v":{"$error":"#VALUE!"}},{"$f":"+Q13+P13","v":{"$error":"#VALUE!"}},{"$f":"-PV(F13/12,$Q$3*12,R13)","v":{"$error":"#VALUE!"}},{"$f":"+S13*F13","v":{"$error":"#VALUE!"}}]
[{"$f":"Alg_Schuifwaarde","v":0},"GEBALANCEERD",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(P12:P13)","v":{"$error":"#VALUE!"}},null,null,{"$f":"SUM(S12:S13)","v":{"$error":"#VALUE!"}},{"$f":"SUM(T12:T13)","v":{"$error":"#VALUE!"}},{"$f":"+T14/S14","v":{"$error":"#VALUE!"}}]
[null,null,null,{"$f":"SUM(D12:D13)","v":{"$error":"#VALUE!"}},null,{"$f":"((S12*F12)+(S13*F13))/D15","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($P$30<HORIZ.ZOEKEN(E25;ReBa!F32:BF34;3;WAAR);WAAR;ONWAAR)"]
["optimumrente vanuit",null,"Marge",null,null,{"$f":"IF(Nieuwe_hypotheeksom>0,AlgemeenOUD!C37-AlgemeenOUD!C27,0)","v":0}]
["rentemarge als ",null,"Optimaalrente%",null,null,{"$f":"HLOOKUP(AlgemeenOUD!F35,F32:AT34,3,TRUE)","v":4.0009999999999997E-2}]
["men minder leent"]
[]
["Gewogen rente",null,"ann/lin",{"$f":"IF(Nieuwe_hypotheeksom=0,D22,Nieuwe_hypotheeksom-Aflosvrij_leningdeel)","v":0},{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2},{"$f":"IFERROR(((D21*E21)+(D22*E22))/(D21+D22),E21)","v":3.7999999999999999E-2},null,null,"Gewogen rente","ann/lin",{"$f":"D7-K22","v":{"$error":"#VALUE!"}},{"$f":"F7","v":3.7999999999999999E-2},{"$f":"((K21*L21)+(K22*L22))/(K21+K22)","v":{"$error":"#VALUE!"}}]
["zonder optimum",null,"aflosvrij",{"$f":"Aflosvrij_leningdeel","v":0},{"$f":"alg_aflosrente","v":0.04},null,null,null,"zonder optimum","aflosvrij",{"$f":"AlgemeenOUD!F30","v":0},{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":3.7999999999999999E-2}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Omgedraaid"]
["OPTIMUM MET",null,"ann/lin 10 jr vast, of langer:",{"$f":"O26-D28","v":{"$error":"#VALUE!"}},{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2},{"$f":"E26","v":3.7999999999999999E-2},null,{"$f":"F26/D29*O26","v":{"$error":"#VALUE!"}},{"$f":"ABS($F$4-F26)","v":2.0099999999999979E-3},"Procentuele verdeling deel 1",{"$f":"I26/I29","v":0.50249999999999906},null,{"$f":"K26*M29","v":{"$error":"#VALUE!"}},16,{"$f":"M27","v":{"$error":"#VALUE!"}}]
["AFLOSVRIJE OPSLAG",null,"<10 of > 10 jr vast",{"$f":"ROUND((O27)+(VLOOKUP(A14,AlgemeenOUD!$N$48:$O$97,2,FALSE)*1000),0)","v":{"$error":"#VALUE!"}},{"$f":"AlgemeenOUD!F45","v":4.2000000000000003E-2},{"$f":"IF(AlgemeenOUD!C43=2,5%,AlgemeenOUD!F45)","v":4.2000000000000003E-2},null,{"$f":"F27/$D$29*O27","v":{"$error":"#VALUE!"}},{"$f":"ABS($F$4-F27)","v":1.9900000000000057E-3},"Procentuele verdeling deel 2",{"$f":"I27/I29","v":0.497500000000001},null,{"$f":"K27*M29","v":{"$error":"#VALUE!"}},{"$f":"N8","v":0},{"$f":"M26","v":{"$error":"#VALUE!"}}]
[null,null,"aflosvrij 10 jr",{"$f":"AlgemeenOUD!F30","v":0},{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":3.7999999999999999E-2},{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":3.7999999999999999E-2},{"$f":"G9","v":0}]
[null,null,"Totaal alles aflossing:",{"$f":"SUM(D26:D28)","v":{"$error":"#VALUE!"}},null,{"$f":"ROUND(((D26*F26)+(D27*F27)+(D28*F28))/D29,5)","v":{"$error":"#VALUE!"}},{"$f":"G10","v":0},{"$f":"H10","v":4.0010000000000004E-2},{"$f":"SUM(I26:I28)","v":4.0000000000000036E-3},{"$f":"J10","v":0},{"$f":"K10","v":1},{"$f":"L10","v":0},{"$f":"M10","v":{"$error":"#VALUE!"}},{"$f":"N10","v":0}]
[null,null,null,{"$f":"D11","v":0},0,0,0,null,0,0,0,0,0,0,0]
[]
[null,null,null,null,null,1E-3,2E-3,3.0000000000000001E-3,3.9999999999999897E-3,4.9999999999999897E-3,5.9999999999999897E-3,6.9999999999999897E-3,8.0000000000000002E-3,8.9999999999999993E-3,0.01,1.0999999999999999E-2,1.2E-2,1.2999999999999999E-2,1.4E-2,1.5010000000000001E-2,1.6E-2,1.7000000000000001E-2,1.7999999999999999E-2,1.9E-2,0.02,2.1000000000000001E-2,2.1999999999999999E-2,2.3E-2,2.4E-2,2.5000000000000001E-2,2.5010000000000001E-2,2.7E-2,2.8000000000000001E-2,2.9000000000000001E-2,0.03,3.0009999999999998E-2,3.1E-2,3.2000000000000001E-2,3.3000000000000002E-2,3.4000000000000002E-2,3.5000000000000003E-2,3.5999999999999997E-2,3.6999999999999998E-2,3.7999999999999999E-2,3.9E-2,0.04]
[]
[null,null,null,"belangrijke rente",null,1.001E-2,1.001E-2,1.001E-2,1.001E-2,1.001E-2,1.001E-2,1.001E-2,1.001E-2,1.001E-2,1.001E-2,1.5010000000000001E-2,1.5010000000000001E-2,1.5010000000000001E-2,1.5010000000000001E-2,2.001E-2,2.001E-2,2.001E-2,2.001E-2,2.001E-2,2.001E-2,2.5010000000000001E-2,2.5010000000000001E-2,2.5010000000000001E-2,2.5010000000000001E-2,2.5010000000000001E-2,3.0009999999999998E-2,3.0009999999999998E-2,3.0009999999999998E-2,3.0009999999999998E-2,3.0009999999999998E-2,3.5009999999999999E-2,3.5009999999999999E-2,3.5009999999999999E-2,3.5009999999999999E-2,3.5009999999999999E-2,3.5009999999999999E-2,4.0009999999999997E-2,4.0009999999999997E-2,4.0009999999999997E-2,4.0009999999999997E-2,4.0009999999999997E-2]
[]
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[]
[null,null,null,"belangrijke rente",null,2.5010000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,1.5010000000000001E-2,2.001E-2,2.001E-2,2.001E-2,2.001E-2,2.001E-2,2.5010000000000001E-2,2.5010000000000001E-2,2.5010000000000001E-2,2.5010000000000001E-2,2.5010000000000001E-2,3.0009999999999998E-2,3.0009999999999998E-2,3.0009999999999998E-2,3.0009999999999998E-2,3.0009999999999998E-2,null,3.5009999999999999E-2,3.5009999999999999E-2,3.5009999999999999E-2,3.5009999999999999E-2,3.5009999999999999E-2,4.0009999999999997E-2,4.0009999999999997E-2,4.0009999999999997E-2,4.0009999999999997E-2,4.0009999999999997E-2]

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[null,{"$f":"AnO!B4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"FB51","v":30},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C43>1,Algemeen!M33,0)","v":0},{"$f":"IF(Algemeen!O33>0,Algemeen!O33,IF(J21>0,J21,0))","v":15},null,{"$f":"IF(Algemeen!Q33>0,Algemeen!Q33,IF(K21>0,K21,0))","v":4.2000000000000003E-2}]
[null,"Starterslening",null,null,null,null,{"$f":"SUM(E21:F28)","v":30000},null,null,null,null,"(Hoogste)IB-tarief",null,null,null,null,{"$f":"'Voorstel HOR'!G29","v":0.36969999999999997},null,null,null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,{"$f":"Algemeen!Y21","v":27},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Gewogen % zichtbaar"]
[{"$f":"VLOOKUP(B6,EW7:EX8,2,FALSE)","v":{"$error":"#N/A"}},"Gemeente",null,null,null,null,"Purmerend",null,null,null,null,"Onderhoud",null,null,null,null,"n.v.t.",null,null,null,null,null,null,"Lineair",null,null,null,null,null,null,null,{"$f":"IF(AF4,Algemeen!S21,INDEX(Ropsl_banken,AF5))","v":"Neo Hypotheken"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Gewogen % niet zichtbaar"]
[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,"n.v.t",null,null,null,null,"Consumptief deel",null,null,null,null,"n.v.t.",null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gewogen % zichtbaar",null,null,null,null,null,"(dropdown)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Netto betaald (excl. extra aflossing)",1,{"$f":"SUM(OFFSET(AG41,0,0,H6,1))*12","v":{"$error":"#REF!"}}]
[null,{"$f":"AlgemeenOUD!E51","v":"Marktwaarde"},null,null,null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,null,"n.v.t.",null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan.",null,null,null,null,null,{"$f":"IF(B21=\"Bankspaar\",IF(AND(AI7=\"Ja\",isbankspaar),\"Waarde banksparen meenemen?\",\"Geen bankspaar, geen keuze!\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ7=CC5,1,2)","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Bruto betaald (excl. extra aflossing)",2,{"$f":"SUM(OFFSET(AF41,0,0,H6,1))*12","v":{"$error":"#REF!"}}]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,{"$f":"AZ3","v":0},null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente"]
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[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"AlgemeenOUD!C41","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,"Indexering:"]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
[null,{"$f":"IF(AND(BE1=2,G16=0),\"Vul 1e storting in\",\"1e storting bankspaarrekening\")","v":"1e storting bankspaarrekening"},null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(BIJStarterslening!AT1),\"U kunt maar één bankspaar regel invoeren!\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI16*CH16","v":0},{"$f":"+CJ16*CG16","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(EW10,EV7:EW8,2,FALSE)","v":"Netto betaald (excl. extra aflossing)"}]
[null,{"$f":"IF(G16>0,\"Premie banksparen\",\"Premie volgt na invullen 1e storting\")","v":"Premie volgt na invullen 1e storting"},null,null,null,null,{"$f":"IF(G16>0,BIJStarterslening!AT12,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI17*CH17","v":0},{"$f":"+CJ17*CG17","v":0}]
[null,{"$f":"IF(Algemeen!M24=TRUE,\"In dit advies is \"&AlgemeenOUD!F28&\" de geldverstrekker\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vast",null,{"$f":"CHAR(64+COLUMN(J21))","v":"J"},null,null,null,null,null,"optimaal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Leningdeel 1",null,null,null,"Leningdeel 2",null,null,null,"Leningdeel 3",null,null,null,"Leningdeel 4",null,null,null,"Leningdeel 5",null,null,"Leningdeel 6",null,null,"Leningdeel 7",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI18*CH18","v":0},{"$f":"+CJ18*CG18","v":0}]
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[{"$f":"IF(ROBijStarterslening!C50=\"\",\" \",ROUND(ROBijStarterslening!C50,2)*100&\"%: \"&FIXED(ROUND(ROBijStarterslening!D50,5)*100,2,TRUE)&\"%\")","v":" "},"",28,29,{"$f":"ROUND(IF(D69=1,SUM($E$21:$E$29),BIJStarterslening!AW39),0)","v":2908},null,{"$f":"BIJStarterslening!AY40","v":66},null,null,{"$f":"+E69-AC69+(OverlijdenOUD!AK43*12)+(BIJStarterslening!AT40*12)","v":1432.8468099379106},null,1475.1531900620894,null,null,null,28524.84680993791,124.86899404180291,null,null,{"$f":"INDEX($AA69:$AG69,T$37)+OverlijdenOUD!AK43","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},null,null,null,null,{"$f":"+BijAlgOvg!BB39","v":0},{"$f":"+BijAlgOvg!BC39","v":0},{"$f":"BIJStarterslening!AW40","v":1475.1531900620894},{"$f":"BIJStarterslening!AU40","v":0},{"$f":"'ORV verloop oud'!T47+'ORV verloop oud'!G47","v":0},{"$f":"(BIJStarterslening!AX40+BijAlgOvg!AX40)/12+$E$12+OverlijdenOUD!AK43","v":139.36899404178655},{"$f":"AF69+BIJStarterslening!BA40/12","v":139.36899404178655},null,20,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2908,139.36899404178655,139.36899404178655,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20]
[{"$f":"IF(ROBijStarterslening!C51=\"\",\" \",ROUND(ROBijStarterslening!C51,2)*100&\"%: \"&FIXED(ROUND(ROBijStarterslening!D51,5)*100,2,TRUE)&\"%\")","v":" "},"",29,30,{"$f":"ROUND(IF(D70=1,SUM($E$21:$E$29),BIJStarterslening!AW40),0)","v":1475},null,{"$f":"BIJStarterslening!AY41","v":24},null,null,{"$f":"+E70-AC70+(OverlijdenOUD!AK44*12)+(BIJStarterslening!AT41*12)","v":1475.0000000000757},null,-7.5715433922596276E-11,null,null,null,30000.000000000076,124.86899404180291,null,null,{"$f":"INDEX($AA70:$AG70,T$37)+OverlijdenOUD!AK44","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},null,null,null,null,{"$f":"+BijAlgOvg!BB40","v":0},{"$f":"+BijAlgOvg!BC40","v":0},{"$f":"BIJStarterslening!AW41","v":-7.5715433922596276E-11},{"$f":"BIJStarterslening!AU41","v":0},{"$f":"'ORV verloop oud'!T48+'ORV verloop oud'!G48","v":0},{"$f":"(BIJStarterslening!AX41+BijAlgOvg!AX41)/12+$E$12+OverlijdenOUD!AK44","v":139.36899404178035},{"$f":"AF70+BIJStarterslening!BA41/12","v":139.36899404178035},null,21,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1475,139.36899404178035,139.36899404178035,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Over in algemeen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,21]
[null,null,null,null,null,null,{"$f":"BIJStarterslening!D22","v":false},null,null,null,null,{"$f":"BijAlgOvg!D22","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,22,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Nee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,22]
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[null,null,null,null,{"$f":"IF(AZ46>0,\"Er resteert op einddatum een aflosvrij hypotheekdeel van \",0)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ46>0,AZ46,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",{"$f":"AI71+1","v":23},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Ja",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"FA71+1","v":23}]
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[null,null,null,null,{"$f":"IF(O81>0,\"Fictieve rente\",\" \")","v":" "},null,null,null,null,null,null,null,null,null,{"$f":"IF(O81=0,\" \",AH83)","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3.5000000000000003E-2,25,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25]
[null,null,null,null,{"$f":"IF(O81=0,\" \",\"Maandlast\")","v":" "},null,null,null,null,null,null,null,null,null,{"$f":"IF(O81=0,\" \",(O81*O83/12)+Algemeen!E45)","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26]
[null,null,{"$f":"'Auto tekst rentescenarios'!E25","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto zonder restschuld",null,{"$f":"SUM(P41:P70)*12+(SUM((P21:P28),SUM(R41:R70)*12+(SUM((P21:P28)))))","v":4808481.7225134932},null,null,null,27,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,27]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto met restschuld",null,{"$f":"SUM(Q41:Q70)*12+(SUM((P21:P28)))","v":44952.83785504906},null,null,null,28,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto zonder",null,{"$f":"SUM(Q41:S70)*12+(SUM((P21:P28)))","v":44952.83785504906},null,null,null,29,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto met",null,{"$f":"SUM(#REF!)*12+(SUM((P21:P28)))","v":{"$error":"#REF!"}},null,null,null,30,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30]
[]
[]
[]
[]
[]
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[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
[null,null,"Rente deel 1",1,{"$f":"J21","v":15},{"$f":"'Financiële Gegevens'!M$53+Starterslening!E97-1","v":2037},{"$f":"IF(Algemeen!M$44=TRUE,Starterslening!F97,Starterslening!E97)","v":15}]
[null,null,"Rente deel 2",2,{"$f":"J22","v":15},{"$f":"'Financiële Gegevens'!M$53+Starterslening!E98-1","v":2037},{"$f":"IF(Algemeen!M$44=TRUE,Starterslening!F98,Starterslening!E98)","v":15}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":15},{"$f":"'Financiële Gegevens'!M$53+Starterslening!E99-1","v":2037},{"$f":"IF(Algemeen!M$44=TRUE,Starterslening!F99,Starterslening!E99)","v":15}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":15},{"$f":"'Financiële Gegevens'!M$53+Starterslening!E100-1","v":2037},{"$f":"IF(Algemeen!M$44=TRUE,Starterslening!F100,Starterslening!E100)","v":15}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":15},{"$f":"'Financiële Gegevens'!M$53+Starterslening!E101-1","v":2037},{"$f":"IF(Algemeen!M$44=TRUE,Starterslening!F101,Starterslening!E101)","v":15}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Starterslening"}]
[]
[]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%\"","v":"Fictief rentescenario; na 2 jr 4%"},{"$f":"IF(AND(AZ22=0,AZ21>0),1,0)","v":0},{"$f":"IF(C115=1,B115,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"% en na \"&AZ22&\" jr \"&BA22*100&\"%\"","v":"Fictief rentescenario; na 2 jr 4% en na 20 jr 6%"},{"$f":"IF(AND(AZ23=0,AZ22>0),1,0)","v":1},{"$f":"IF(C116=1,B116,0)","v":"Fictief rentescenario; na 2 jr 4% en na 20 jr 6%"}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"% en na \"&AZ23&\" jr \"&BA23*100&\"%\"","v":"Fictief rentescenario; na 2 jr 4%, na 20 jr 6% en na  jr 0%"},{"$f":"IF(AND(AZ24=0,AZ23>0),1,0)","v":0},{"$f":"IF(C117=1,B117,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"%, na \"&AZ23&\" jr \"&BA23*100&\"% en na \"&AZ24&\" jr \"&BA24*100&\"%\"","v":"Fictief rentescenario; na 2 jr 4%, na 20 jr 6%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24>0,AZ23>0),1,0)","v":0},{"$f":"IF(C118=1,B118,0)","v":0}]
[null,null,null,{"$f":"VLOOKUP(1,C115:D118,2,FALSE)","v":"Fictief rentescenario; na 2 jr 4% en na 20 jr 6%"}]

{"sheet":"Algemeen","index":50,"n_rows":61,"n_cols":210,"rows_kept":61,"cut":false,"hidden":true,"merged":[[24,15,24,16],[24,12,24,14],[37,4,37,5],[28,208,28,209],[33,12,33,16],[26,15,26,16],[35,12,35,16],[36,12,36,16],[28,13,28,14],[29,13,29,14],[16,130,16,132],[16,126,16,128],[18,126,18,128],[13,126,13,128],[15,126,15,128],[6,46,6,47],[6,40,6,43],[7,12,7,14],[11,12,11,13],[12,12,12,13],[5,4,5,6],[6,4,6,6],[5,12,5,14],[6,12,6,14],[6,44,6,45],[6,1,6,3],[6,9,6,11],[31,12,31,13],[42,4,42,5],[7,4,7,6],[25,6,25,7],[26,6,26,7],[24,5,24,6],[11,4,11,5],[8,4,8,6],[13,4,13,5],[34,12,34,16],[28,15,28,16],[29,15,29,16],[13,12,13,13],[38,11,38,12],[38,4,38,6],[38,8,38,9],[47,3,47,4],[41,6,41,8],[44,9,44,10],[41,1,41,3],[43,9,43,10],[40,0,41,0],[45,4,45,5],[8,12,8,14],[42,1,42,3],[35,4,35,5],[12,4,12,5],[32,4,32,5],[29,4,29,5],[28,4,28,5],[31,4,31,7],[14,12,14,13],[14,4,14,5],[32,12,32,13],[42,7,42,8],[43,4,43,5],[36,4,36,5]]}
[]
[null,null,null,"AVG proof"]
[]
[]
[]
[{"$f":"AlgemeenOUD!$C$6","v":""},"Naam 1e aanvrager",null,null,{"$f":"IF(alg_AVG,\"1e aanvrager\",AlgemeenOUD!C6&\"\")","v":""},null,null,null,null,"Naam 2e aanvrager",null,null,{"$f":"IF(alg_AVG,\"2e aanvrager\",alg_partnerD)","v":0},null,null,"2e aanvrager",null,null,null,null,null,null,"Inkomen",{"$f":"IF(OR(Alg_Sit<3,M15=0),E15,MIN(E15,M15))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,{"$f":"IF(BT13=0,\"\",\"Geboortedatum (aan elkaar)\")","v":""},null,null,null,null,null,null,null,"Geboortedatum (aan elkaar)",null,null,null,null,null,null,null,null,null,null,null,null,"Meenemen",{"$f":"AA11","v":false},null,1,"Inclusief",null,null,null,null,null,null,null,null,null,null,1]
[null,{"$f":"IF(BT13=0,\"Maak uw keuze\",\"\")","v":"Maak uw keuze"},null,{"$f":"IF(E7=0,0,TRUNC((TODAY()-E7)/365.25))","v":0},{"$f":"leeftijd1&\" jaar\"","v":"0 jaar"},null,null,null,null,null,null,{"$f":"IF(D9<2,-1,IF(M7=0,0,TRUNC((TODAY()-M7)/365.25)))","v":-1},{"$f":"L8& \" jaar\"","v":"-1 jaar"},null,null,false,null,null,null,null,null,null,{"$f":"IF(Alg_hefkortuse=TRUE,\"Netto maandlast incl. algemene heffingskorting voordeel\",\"Netto maandlast excl. algemene heffingskorting voordeel\")","v":"Netto maandlast excl. algemene heffingskorting voordeel"},null,null,0,"Exclusief",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,"Zonder partner",null,null,null,null,null,null,null,null,null,null,null,1,2021]
[null,null,null,{"$f":"AlgemeenOUD!C64","v":1},{"$f":"VLOOKUP(BT13,BS8:BT11,2,FALSE)","v":"Zonder partner"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Zonder partner",null,null,null,null,null,null,null,null,null,null,null,2,2022]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Met partner zonder inkomen"]
[null,{"$f":"IF(D8=0,\"Vul de geboortedatum in…\",IF(AND(leeftijd1<56,leeftijd2>56),\"2e aanvrager tenminste 57 jaar, gebruik voor de maximaal toets andere software\",IF(AND(leeftijd1>56,leeftijd2>56),\"Beide aanvragers tenminste 57 jaar, gebruik voor de max. toets andere software\",IF(OR(leeftijd1>56,leeftijd2>56),\"1e aanvrager tenminste 57 jaar, gebruik voor de maximaal toets andere software\",\"Inkomen bruto per jaar\"))))","v":"Vul de geboortedatum in…"},null,null,null,null,null,null,null,"Inkomen bruto per jaar:",null,null,null,null,null,null,null,null,null,null,null,"1e aanvrager uitkering",null,{"$f":"IF(E14>0,TRUE,FALSE)","v":false},null,null,{"$f":"IF(AA9=1,TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"Met partner met inkomen",null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"VLOOKUP(CF11,CF8:CG9,2,FALSE)","v":2021},null,"Keuze inzake ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"26-09-2017:","Test"]
[null,"Vast inkomen",null,null,null,null,null,null,null,"Vast inkomen",null,null,null,null,null,null,null,null,null,null,null,"2e aanvrager uitkering",null,{"$f":"IF(M14>0,TRUE,IF(AlgemeenOUD!$C$7<3,TRUE,FALSE))","v":true},null,null,null,null,null,null,null,null,null,null,1.6899999999999998E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"maximale hypo. E29"]
[33500,"Variabel inkomen",null,null,null,null,null,null,null,"Variabel inkomen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AI12=5%,5,10)","v":10},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(alg_AVG,\"1e aanvrager\",AlgemeenOUD!C6&\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Begin van het goed bijhouden updates en wijzigingen"]
[40000,"Uitkering",null,null,null,null,null,null,null,"Uitkering",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(CI14=1,CI22,IF(CI14=2,CI20,CI18))","v":141562.90443379167},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Uitgevoerde wijzigingen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aanpassing invoer- en uitvoer pensioen sheet"]
[null,"TOTAAL",null,null,{"$f":"SUM(E12:F14)","v":0},null,null,null,null,"TOTAAL",null,null,{"$f":"IF(E9=\"Met partner zonder inkomen\",0,SUM(M12:N14))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vermelding in ALGEMEEN in welke versie deze CalFin is opgemaakt"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!G28=TRUE,\"Met NHG\",\"Geldverstrekker?\")","v":"Geldverstrekker?"},null,null,null,null,null,null,null,null,null,null,"nat werkelijk",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"vanaf 26-09-2017",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sneller laden bij openen"]
[null,"Hoogste IB tarief:",null,null,{"$f":"IF('Financiële Gegevens'!G65<67,'Financiële Gegevens'!D69,'Financiële Gegevens'!C73)","v":0.36969999999999997},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ropslag!$A$2:$A$18","v":"Vista"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aflossing lineaire hypotheek wijkt soms op 1 euro af, gecorrigeerd"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'NAT sheet'!H12","v":15999},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Looptijd 2e deel balanshypotheek was niet gelijk aan 1e deel, gecorrigeerd"]
[null,"Extra maandlast",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"nat gedrag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"In VOORSTEL HOR is een makkelijke mogelijkheid gemaakt om een extra berekening toe te voegen"]
[null,{"$f":"IF(V20=TRUE,\"Vul maandlast krediet(en) in\",\"Krediet(en)\")","v":"Krediet(en)"},null,null,true,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'NAT sheet'!H10","v":15999},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bij een aflosvrij deel na 30 jaar is onderop VRIJE KEUZE mogelijk een rente in te voeren voor een fictieve maandlast"]
[null,{"$f":"IF(AB21=TRUE,\"Vul maandlast erfpacht in\",\"Erfpacht\")","v":"Erfpacht"},null,null,false,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"INDEX(Ropsl_banken,Y21)","v":"Neo Hypotheken"},null,null,null,null,{"$f":"Ropslag!$A$2:$A$32","v":"Venn"},27,{"$f":"INDEX(RO_bstart,Y21)","v":176},{"$f":"INDEX(OFFSET(RO_bstart,0,2),Y21)","v":11},false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"gedrag algemeen"]
[null,{"$f":"IF(V22=TRUE,\"Partneralimentatie per maand\",\"Partneralimentatie\")","v":"Partneralimentatie"},null,null,false,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX(Ropsl_banken,Y22)","v":"Hypotrust Woon Bewust"},{"$f":"MATCH(E26,OFFSET(Ropslag!AA1,Z21,0,AA21,1),)","v":6},{"$f":"AND(NOT(nhg),ISERROR(T22))","v":false},false,null,null,19,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,"OUD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Gegevens!G415","v":141562.90443379167},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"30-09-2017:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX(Ropsl_banken,Y23)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Logo ASR toegevoegd"]
["https://www.geld.nl/hypotheek/hypotheekrente","Nieuwe hypotheek",null,null,null,{"$f":"SUM(F20:F23)","v":0},null,null,null,null,null,null,false,null,null,null,null,null,{"$f":"INDEX(Ropsl_banken,Y24)","v":"BijBouwe"},null,null,null,null,null,8,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Voorstel HOR'!Z12","v":3.7999999999999999E-2},{"$f":"'Voorstel HOR'!AE12","v":0.05},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tab annuiteit verbeterd"]
[{"$f":"'Financiële Gegevens'!P35","v":0.05},{"$f":"IF(E25=0,\"Vul de rente in\",\"Rentepercentage\")","v":"Rentepercentage"},null,null,3.7999999999999999E-2,"Toetsrente",null,{"$f":"IF(E26<10,'Financiële Gegevens'!C49,E25)","v":3.7999999999999999E-2},null,{"$f":"IF(AND(AlgemeenOUD!$C$43>1,alg_hypsom>0),\"Hypotheeksom ingevuld, optimaalberekening hierop aangepast\",\"\")","v":""},null,null,"Let op: tel dit bij optimaal op",null,null,{"$f":"Gegevens!H435","v":16000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Voorstel HOR'!Z13","v":20},{"$f":"'Voorstel HOR'!AE13","v":5},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente afslag MUNT gecorrigeerd"]
[{"$f":"'Voorstel HOR'!AF13","v":10},{"$f":"IF(E26=0,\"Vul rentevast periode in\",\"Rentevast periode\")","v":"Rentevast periode"},null,null,10,"Jaar","Jaren aftrek",null,null,{"$f":"IF(E32=\"2e hypotheek\",\"Optimaal niet mogelijk, gebruik 'Werkelijke lasten toets' TAB.\",IF(AlgemeenOUD!C43=1,\"Kies hier uw optimaalrente\",\"Optimaalrente\"))","v":"Kies hier uw optimaalrente"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nieuwe berekening gekoppeld aan Voorstel HOR aangepast"]
[null,"Looptijd ",null,null,30,"Jaar",{"$f":"E27","v":30},null,null,null,null,null,null,null,{"$f":"IF(HB34=TRUE,\" \",\"Minimaal 2e lening deel \")","v":"Minimaal 2e lening deel "},null,null,"(optioneel)",null,{"$f":"AlgemeenOUD!$C$43","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mogelijkheid om gegevens van VK over te nemen in ALGEMEEN ivm toetsing scenario's"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!$C$43=1,0,IF(AlgemeenOUD!$C$43=2,1,IF(AlgemeenOUD!$C$43=3,20)))","v":0}]
["      Uitvoer op basis van:","Maximale hypotheek",null,null,{"$f":"IF(OR(leeftijd1=0,E12=0),0,CJ14)","v":0},null,{"$f":"E30","v":2024},null,null,"Jaren 2e rentevastperiode",null,null,{"$f":"IF(AlgemeenOUD!$C$43=1,0,IF(AlgemeenOUD!$C$43=2,1,IF(AlgemeenOUD!$C$43=3,20)))","v":0},{"$f":"IF(alg_hypsom=0,\"Optimaal maximaal\",\"Ingevulde hypotheek\")","v":"Optimaal maximaal"},null,{"$f":"IF(HB34=FALSE,HB30,HA30)","v":60395.279090980446},null,null,{"$f":"Reba_Copy+M33","v":60396},null,null,null,null,null,null,"Jaarkeuze",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2017-10-17"]
[null,"Toetsjaar",null,null,2024,null,null,null,null,"Rente optimaal",null,{"$f":"IF(AlgemeenOUD!$C$43>1,\"Vul in\",0)","v":0},4.2000000000000003E-2," Rente optimaal",null,{"$f":"'optimaalberekening J'!I22","v":4.0009999999999234E-2},null,null,null,null,null,null,null,null,null,2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Logo bankkeuze zichtbaar te maken",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(ROUND(+'optimaalberekening J'!F21/1000,0))*1000","v":60000},{"$f":"+'optimaalberekening J'!F21","v":60395.279090980446}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Datum toe te voegen op bladen, keuze op ALGEMEEN"]
[{"$f":"VLOOKUP(E32,AlgemeenOUD!E62:F74,2,FALSE)","v":1},"Reden afsluiten hypotheek",null,null,"Aankoop bestaande woning",null,null,null,null,"Leningdeel 1",null,null,{"$f":"IF(HB34=FALSE,HB32,HA32)","v":30047},null,{"$f":"E26","v":10},"jaar",{"$f":"E25","v":3.7999999999999999E-2},null,null,null,null,null,null,null,null,1,2022,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Indicatie netto inkomen WW/AO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(ROUND('optimaalberekening J'!F18/1000,0))*1000","v":30000},{"$f":"ROUND('optimaalberekening J'!F18,0)","v":30047}]
[null,{"$f":"IF(E32=AlgO_tweedh,\"Restschuld 1e hypotheek\",IF(A32=1,\"Koopsom Kosten Koper (KK)\",IF(A32=2,\"Koopsom Vrij Op Naam (VON)\",IF(A32>2,\"Restschuld huidige hypotheek\"))))","v":"Koopsom Kosten Koper (KK)"},null,null,null,null,{"$f":"IF(E32=\"Aankoop bestaande woning\",\"\",IF(E32=\"2e hypotheek\",\" \",\"Boete\"))","v":""},null,null,"Leningdeel 2",null,null,{"$f":"IF(HB34=FALSE,HB33,HA33)","v":30349},null,{"$f":"M29","v":0},"jaar",{"$f":"M30","v":4.2000000000000003E-2},{"$f":"IF('optimaalberekening J'!I22<>'optimaalberekening J'!B12,\"Optimaal gecorrigeerd naar maximaal haalbare rente\",\"\")","v":"Optimaal gecorrigeerd naar maximaal haalbare rente"},null,null,null,null,null,null,null,2,2023,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Geheel",2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bij AO melding 1e 2 jaar lager inkomen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(ROUND('optimaalberekening J'!F19/1000,0))*1000","v":30000},{"$f":"ROUND('optimaalberekening J'!F19,0)","v":30349}]
[null,"Overbrugging? (dropdown)",null,null,"Nee","Bedrag",null,"Rente",null,{"$f":"IF(K43>0,\"Aflossingvrij\",\"\")","v":""},null,null,{"$f":"IF(M30<>\"Vul in\",\"Optimaal staat in VRIJE KEUZE\",0)","v":"Optimaal staat in VRIJE KEUZE"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Deels",3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Resultaat",false]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(HB34=TRUE,\"De lening en leningdelen zijn afgerond\",\"Vink het vakje aan voor afronding bedragen\")","v":"Vink het vakje aan voor afronding bedragen"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"G29","v":2024},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BV54=3,BU32,IF(BV54=2,BU34,IF(BV54=1,BU33)))","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2017-11-01"]
["https://www.wozwaardeloket.nl/index.jsp?a=1&accept=true&",{"$f":"IF(Algemeen!A37=TRUE,\"WOZ (loket)\",\"WOZ waarde\")","v":"WOZ waarde"},null,null,{"$f":"E33","v":0},null,{"$f":"'Financiële Gegevens'!L39-1","v":2023},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ORV vergelijk blad minder beveiligd"]
[false,"Marktwaarde",null,null,{"$f":"E36","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Koop: 1/2",{"$f":"E56","v":1},null,{"$f":"IF(BU37<3,\"Koop\",\"Over\")","v":"Koop"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Huidige hypotheek blad verbeterd"]
[null,"Energielabel",null,null,"EFG of onbekend"]
[{"$f":"IF(AlgemeenOUD!$C$43>1,P29,E29)","v":0},{"$f":"IF(E32=\"Aankoop nieuwbouw woning\",\"Meerwerk\",\"Verbouwing\")","v":"Verbouwing"},null,null,{"$f":"IF(AND(E32=\"Aankoop nieuwbouw woning\",V39=TRUE),\"                          Meerwerk is\",IF(V39=TRUE,\"         De verbouwkosten zijn\",\" \"))","v":" "},null,null,null,"Toename MW met",null,{"$f":"IF(B39=\"Meerwerk\",100%,70%)","v":0.7},{"$f":"(H39*K39)+E37","v":0},null,null,null,null,null,null,null,null,null,false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NHG?",{"$f":"D48","v":2},null,{"$f":"IF(BU39=1,\"JA\",\"NEE\")","v":"NEE"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Printpagina toegevoegd"]
[]
[{"$f":"IF('Financiële Gegevens'!$B$81=TRUE,\"Ja\",\"Nee\")","v":"Nee"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(R43=TRUE,IF(OR(N43=0,alg_aflosrente=0),\"Vul waarde in voor een goede toets\",0))","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Relatiepagina toegevoegd"]
[null,"NHG",1,null,null,null,null,null,null,{"$f":"IF(AND(R43=TRUE,alg_hypsom=0),\"Vul gewenste hypotheek ook in!\",\" \")","v":" "},null,null,"Rente%",{"$f":"E25+0.2%","v":0.04},{"$f":"IF(R43=FALSE,\" \",IF(AND(J44>0,P43=0),\"Let op, de hoogte van dit lening deel komt bovenop het reeds ingevulde box 3 deel\",\" \"))","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hypo",{"$f":"alg_hypsom","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Indien WOZ waarde uit loket dan kan ook het genomen jaar worden vermeld"]
["Indicatie benodigd",{"$f":"IF(E43>(A39+1),\"Hypotheeksom te hoog\",IF(E43>0,\"Hypotheeksom\",\"Gewenste hypotheeksom\"))","v":"Gewenste hypotheeksom"},null,null,null,null,{"$f":"IF(E37=0,0,IF('Voorstel HOR'!M35>0,'Voorstel HOR'!M35,0))","v":0},null,null,null,null,null,"RVP",{"$f":"E26","v":10},"Aftrek",{"$f":"G27","v":30},"jaar",false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rest",{"$f":"IF(BU37>2,E33,0)","v":0}]
[{"$f":"-'Voorstel HOR'!F43","v":3420},{"$f":"IF(V44=TRUE,\"Vul box 3 opname in\",\"Box 3 opname uit hypotheek?\")","v":"Box 3 opname uit hypotheek?"},null,null,null,null,null,"Het box 3 deel is",null,null,null,null,false,{"$f":"Q50","v":true},null,null,null,null,null,null,null,false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NHG 100%",null,{"$f":"BU42*'Financiële Gegevens'!S9","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2017-11-08"]
[null,{"$f":"IF('Vrije Keuze'!FO8=0,\"Onderhoud uit\",\"Onderhoud\")","v":"Onderhoud"},null,null,{"$f":"'Vrije Keuze'!FO8","v":14.5},null,null,null,null,null,null,null,false,16,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NHG deels",null,{"$f":"(BU42-BU43)*'Financiële Gegevens'!U13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AO en WW premie op te nemen in 'Voorstel HOR'"]
[null,"Adviestarief",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nieuwe tab bij Diversen: Maximaal NHG financiering (volgt nog in het lint)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NHG Tarief in berekening",null,null,{"$f":"IF(BT35=2,BU44,BU45)","v":0}]
[null,null,null,2,null,null,null,null,null,null,null,null,null,null,null,null,"Jaren",1,{"$f":"VLOOKUP(J45,Q48:R49,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Werkelijk NHG? ",null,{"$f":"BW39","v":"NEE"},{"$f":"IF(BU39=1,BV47,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2017-11-14"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Getallen",2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nieuwe rentetabellen Hypotheekbond toegevoegd"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 nhg ja / koop",null,{"$f":"AND(BU39=1,BU37<3,1)","v":false},{"$f":"IF(BU51=TRUE,1,0)","v":0},1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2017-11-29"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 nhg ja / over",null,{"$f":"AND(BU39=1,BU37>2,2)","v":false},{"$f":"IF(BU52=TRUE,2,0)","v":0},2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal netto betaald kan nu ook aangepast worden in 'bruto'"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3 geen nhg",null,{"$f":"IF(BU39=2,3,0)","v":3},{"$f":"BU53","v":3},3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"SUM(BV51:BV53)","v":3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2017-12-28"]
[null,"NHG VRAAG",null,null,"Reden financiering",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Volledige invoering cijfers 2018"]
[null,"Ja",{"$f":"IF(D48=1,TRUE,FALSE)","v":false},null,{"$f":"AlgemeenOUD!F76","v":1}]
[null,"Nee",{"$f":"IF(alg_hypsom=0,2,IF(alg_hypsom>='Financiële Gegevens'!P33,2,1))","v":2},null,"NHG bij 1 of 2",null,{"$f":"IF(E56<3,alg_hypsom*'Financiële Gegevens'!S9,0)","v":0}]
[null,false,null,null,"NHG bij de rest",null,{"$f":"IF(E56>2,(alg_hypsom-E33)*'Financiële Gegevens'!S9,0)","v":0}]
[null,null,null,null,null,null,{"$f":"BV48","v":0}]
[]
[null,{"$f":"Cockpit!S10","v":826}]

{"sheet":"Maandlast","index":51,"n_rows":55,"n_cols":41,"rows_kept":55,"cut":false,"hidden":true,"merged":[[24,15,24,16],[25,15,25,16],[18,6,18,7],[18,8,18,9],[18,10,18,11],[20,32,20,39],[21,32,21,39],[3,50,3,51],[3,52,3,53],[3,46,3,49],[16,6,16,7],[16,8,16,9],[16,10,16,11],[41,9,41,11],[42,9,42,11],[43,9,43,11],[19,6,19,7],[19,8,19,9],[19,10,19,11],[27,9,27,11],[28,9,28,11],[20,6,20,7],[20,8,20,9],[20,10,20,11],[23,6,23,11],[25,6,25,11],[22,6,22,11],[30,9,30,11],[31,9,31,11],[26,15,26,16],[39,9,39,11],[34,9,34,11],[35,9,35,11],[36,9,36,11],[37,9,37,11],[38,9,38,11],[32,9,32,11]]}
[]
[null,"Welkom David de Weijer, Van Bruggen Adviesgroep Purmerend"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,"Vorm",null,"Bruto",null,"Netto"]
[]
[null,null,null,null,null,null,"Annuïteit",null,{"$f":"VLOOKUP(1,W21:Y24,3,FALSE)","v":14.5},null,{"$f":"VLOOKUP(1,W21:Z24,4,FALSE)","v":14.5},null,null,null,null,null,null,null,null,null,null,null,null,null,"annuiteit",null,null,"lineair",null,"balans"]
[null,null,null,null,null,null,"Lineair",null,{"$f":"VLOOKUP(1,W21:AB24,6,FALSE)","v":14.5},null,{"$f":"VLOOKUP(1,W21:AC24,7,FALSE)","v":14.5},null,null,null,null,null,null,null,null,null,null,null,null,null,"B","N",null,"b","n","b  ","n"]
[null,null,null,null,null,null,"Balans",null,{"$f":"VLOOKUP(1,W21:AD24,8,FALSE)","v":14.5},null,{"$f":"VLOOKUP(1,W21:AE24,9,FALSE)","v":14.5},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(AA23=FALSE,AA22=FALSE),1,0)","v":1},"Normaal ",{"$f":"AnO!O40","v":14.5},{"$f":"AnO!P40","v":14.5},null,{"$f":"LinO!O40","v":14.5},{"$f":"LinO!P40","v":14.5},{"$f":"BalO!O40","v":14.5},{"$f":"BalO!P40","v":14.5},null,"Aflosvrij leningdeel",null,null,null,null,null,null,null,10000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(AA23=FALSE,AA22=TRUE),1,0)","v":0},"restschuld",{"$f":"AnO!P40","v":14.5},{"$f":"AnO!S40","v":{"$error":"#REF!"}},{"$f":"rschuld","v":false},{"$f":"LinO!P40","v":14.5},{"$f":"LinO!S40","v":{"$error":"#REF!"}},{"$f":"BalO!P40","v":14.5},{"$f":"BalO!S40","v":{"$error":"#REF!"}},null,"Rente aflosvrij deel",null,null,null,null,null,null,null,{"$f":"VLOOKUP(AK32,AJ38:AL40,3)+0.2%","v":0.03}]
[null,null,null,null,null,null,"Hypotheekberekening",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(AA23=TRUE,AA22=FALSE),1,0)","v":0},"krediet",{"$f":"AnO!P40","v":14.5},{"$f":"AnO!S40","v":{"$error":"#REF!"}},{"$f":"IF(Krediet1=0,FALSE,Krediet1)","v":false},{"$f":"LinO!P40","v":14.5},{"$f":"LinO!S40","v":{"$error":"#REF!"}},{"$f":"BalO!P40","v":14.5},{"$f":"BalO!S40","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,{"$f":"IF(Algemeen!D9=1,Algemeen!E6,Algemeen!E6&\" en \"&Algemeen!M6)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(AA23=TRUE,AA22=TRUE),1,0)","v":0},"restschuld + kr",{"$f":"AnO!S40","v":{"$error":"#REF!"}},{"$f":"AnO!S40","v":{"$error":"#REF!"}},null,{"$f":"LinO!S40","v":{"$error":"#REF!"}},{"$f":"LinO!S40","v":{"$error":"#REF!"}},{"$f":"BalO!S40","v":{"$error":"#REF!"}},{"$f":"BalO!S40","v":{"$error":"#REF!"}},null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",null,null,"Looptijd",null,"Hypotheek bij ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AK24=2,\"Met NHG\", \"Zonder NHG\")","v":"Zonder NHG"}]
[null,null,null,null,null,null,"Uitgangspunten van deze berekening",null,null,null,null,null,null,null,null,"Vast",null,"Rente","in ",null,"betaling p/m","Per maand","Per maand","Per maand"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Periode",null,"Percentage","maanden",null,100,125,150,200]
[null,null,null,null,null,null,{"$f":"\"Inkomen \"&Algemeen!E6","v":"Inkomen "},null,null,{"$f":"Algemeen!E12+Algemeen!E13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AK33","v":10},"jaar",null,null,null,null,"jaar"]
[null,null,null,null,null,null,{"$f":"\"Inkomen \"&Algemeen!M6","v":"Inkomen 0"},null,null,{"$f":"Algemeen!M12+Algemeen!M13","v":0},null,null,null,null,null,10,"jaar",2.8000000000000001E-2,360,null,{"$f":"(U27-AH46)/AI50*AH54+T45","v":24337.150735526637},33818.564560649225,40582.277472779075,54109.703297038766]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,"jaar",3.1E-2,{"$f":"S29","v":360},null,{"$f":"(U27-AH46)/AI51*AH54+T45","v":23418.304368755274},31971.425470216305,38365.710564259563,51154.280752346087,null,null,null,null,null,null,null,null,{"$f":"AK34","v":20},"jaar",null,null,null,null,"jaar"]
[null,null,null,null,null,null,"Hypotheeksom",null,null,{"$f":"Algemeen!E43","v":0},null,null,null,null,null,30,"jaar",3.4000000000000002E-2,{"$f":"S30","v":360},null,{"$f":"(U27-AH46)/AI52*AH54+T45","v":22548.868484023576},31677.553924500462,38013.064709400554,50684.086279200739]
[null,null,null,null,null,null,"Aflosvrij hypotheekdeel",null,null,{"$f":"IF(Algemeen!R43=FALSE,\"Geen aflosvrij deel\",Algemeen!K43)","v":"Geen aflosvrij deel"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AK35","v":30},"jaar",null,null,1,null,"jaar"]
[null,null,null,null,null,null,{"$f":"IF(Algemeen!R43=FALSE,\" \",\"Opslag aflosvrij\")","v":" "},null,null,{"$f":"IF(Algemeen!R43=FALSE,\"N.V.T.\",Algemeen!O41)","v":"N.V.T."},null,null,null,null,null,null,null,null,null,"Op basis van","IB teruggave",null,null,"Terug o.b.v.",null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"P29","v":10}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financieringskosten",null,null,null,{"$f":"VLOOKUP(AK32,AJ33:AK35,2,FALSE)&\" jaar\"","v":"10 jaar"},{"$f":"'Voorstel HOR'!G29","v":0.36969999999999997},"20 jaar","30 jaar","10 jaar",null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"P30","v":20}]
[null,null,null,null,null,null,"Looptijd",null,null,{"$f":"Algemeen!E27&\" jaar\"","v":"30 jaar"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"P31","v":30}]
[null,null,null,null,null,null,"WOZ Waarde",null,null,{"$f":"Algemeen!E36","v":0},null,null,null,null,null,"Advies en bemiddeling",null,null,null,2967,{"$f":"T36*U34","v":1096.8998999999999},2967,2967,{"$f":"U36*37%","v":405.85296299999993}]
[null,null,null,null,null,null,"Rentepercentage",null,null,{"$f":"Algemeen!E25","v":3.7999999999999999E-2},null,null,null,null,null,"Notaris",null,null,null,950,{"$f":"T37*U34","v":351.21499999999997},950,950,{"$f":"U37*37%","v":129.94954999999999}]
[null,null,null,null,null,null,"Rentevast periode",null,null,{"$f":"Algemeen!E26& \" jaar\"","v":"10 jaar"},null,null,null,null,null,"Taxatie",null,null,null,695,{"$f":"T38*U34","v":256.94149999999996},695,695,95.068354999999983,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"U29","v":24337.150735526637},{"$f":"R29","v":2.8000000000000001E-2}]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stand eind jaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34>P$6;0;(ALS(P$5=\"A\";TW(O34/12;12;Q34/12;-P33);ALS(P$5=\"L\";P33-P33/(P$6-$N34+1);P33)))-ALS(OF(EN(R$8;$N34<P$6);Q$8=$N34);P$8;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; stand na 12 maanden, start in rij-1; linear; vorigjaar - 1/x deel; constant;DK vorigjaar - % * 12 * hoofdsom)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-/- extra aflossing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente en Aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";BET(O34/12;(P$6-$N34+1)*12;-P33)*ALS($N34>$P$6;Q$6;12);ALS(P$5=\"L\";ALS($N34>P$6;P33;P33/(P$6-$N34+1)+R34);R34)))",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N34-0,99, neem ook J+1 mee, als er maanden zijn, anders nul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: BET, berekent bedrag per maand uit a.d.h.v. stand j -1 * maanden of 12 als niet laatste jaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",null,null,null,null,null,null,null,null,"L: "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";Q34-(P33-P34)+ALS(OF(EN(R$8;P$6<$N34);Q$8=$N34);P$8;0);ALS(P$5=\"L\";(P33+P34)/2*O34;P33*O34)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: (P33-P34):afgelost af Q34, geeft rente + extra aflossing",null,null,null,null,null,null,null,null,"L: Gemiddelde stand * rente"]

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[null,null,null,null,null,null,null,null,null,null,null,"Controle",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Controle ",null,null,null,null,null,null,null,"Controle "]
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[null,null,null,null,null,null,29,29,null,381.97580485863546,191.94243632348844,191.94243632348844,2.9503437327350639,16.081976022323506,{"$f":"IF(B$14>=H34,M34*'Voorstel HOR'!G$29)","v":false},16.081976022323506,null,333.33333333333337,166.66666666666666,166.66666666666671,2.5000000000000004,14.097222222222221,{"$f":"IF(B$14>=H34,U34*'Voorstel HOR'!G$29)","v":false},14.097222222222221,null,5000,50,4.166666666666667,{"$f":"IF(B$14>=H34,AA34*'Voorstel HOR'!G$29)","v":false},0,4.166666666666667,null,29,0,0,0,null,0,0]
[null,null,null,null,null,null,30,30,null,191.94243632348844,7.7761797001585364E-10,7.7761797001585364E-10,1.0412759451712645,16.081976022323506,{"$f":"IF(B$14>=H35,M35*'Voorstel HOR'!G$29)","v":false},16.081976022323506,null,166.66666666666671,166.66666666666666,5.6843418860808015E-14,0.83333333333333393,13.958333333333334,{"$f":"IF(B$14>=H35,U35*'Voorstel HOR'!G$29)","v":false},13.958333333333334,null,5000,50,4.166666666666667,{"$f":"IF(B$14>=H35,AA35*'Voorstel HOR'!G$29)","v":false},0,4.166666666666667,null,30,0,0,0,null,0,0]

{"sheet":"Callas","index":55,"n_rows":185,"n_cols":256,"rows_kept":185,"cut":false,"hidden":true,"merged":[]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[]
[null,"Arbeidonsgeschiktheid"]
[]
[null,"Elk jaar jonger dan 35",null,null,-0.04,"afslag per jaar"]
[null,"Elk jaar ouder dan 35",null,null,0.05,"opslag per jaar"]
[]
[null,"Looptijd korter dan 15 jaar",null,null,-7.0000000000000007E-2,"afslag per jaar"]
[null,"Looptijd langer dan 15 jaar",null,null,0.09,"opslag per jaar"]
[]
[]
[]
[null,"Basispremie ",null,null,1.6E-2,"van het verzekerd maandbedrag.",null,null,null,"Basispremie is:"]
[null,"OPSLAG BeroepsAO",null,null,0.1,null,null,null,null,"- Passende arbeid"]
[null,"OPSLAG Indexatie",null,null,0.1,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,null,null,null,null,"- Geen indexatie"]
[]
[]
[]
[null,"1e AANVRAGER",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2e AANVRAGER"]
[null,"Leeftijd 1e",null,{"$f":"AlgemeenOUD!C9","v":0},"ALGEMEEN",null,null,null,null,null,null,null,null,null,null,null,"Leeftijd 1e",null,{"$f":"AlgemeenOUD!F9","v":-1},"ALGEMEEN"]
[null,"Looptijd ",null,{"$f":"MIN(30,67-D22)","v":30},"=> Pensioenleeftijd 67 -/- leeftijd",null,null,"MAXIMAAL 30 jaar",null,null,null,null,null,null,null,null,"Looptijd ",null,{"$f":"MIN(30,67-S22)","v":30},"=> Pensioenleeftijd 67 -/- leeftijd",null,null,"MAXIMAAL 30 jaar"]
[]
[null,"LEEFTIJD",null,null,null,null,null,"AO",null,null,"WW 12",null,"WW 24",null,null,null,"LEEFTIJD",null,null,null,null,null,null,null,null,"WW 12",null,"WW 24"]
[null,null,null,null,null,"Hoeveel jaar",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag",null,null,null,null,null,null,null,"Hoeveel jaar",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag"]
[null,"Jonger dan 35",null,{"$f":"IF(D22<35,1,0)","v":1},null,{"$f":"IF(D27=1,35-D22,0)","v":35},null,{"$f":"F27*E5","v":-1.4000000000000001},null,null,{"$f":"F27*E53","v":-0.96250000000000002},null,{"$f":"F27*I53","v":-1.75},null,null,null,"Jonger dan 35",null,{"$f":"IF(S22<35,1,0)","v":1},null,{"$f":"IF(S27=1,35-S22,0)","v":36},null,{"$f":"U27*E5","v":-1.44},null,null,{"$f":"U27*T53","v":-0.99},null,{"$f":"U27*X53","v":-1.8}]
[null,"35 jaar",null,{"$f":"IF(D22=35,1,0)","v":0},null,0,null,null,null,null,null,null,null,null,null,null,"35 jaar",null,{"$f":"IF(S22=35,1,0)","v":0},null,0]
[null,"Ouder dan 35",null,{"$f":"IF(D22>35,1,0)","v":0},null,{"$f":"IF(D29=1,D22-35,0)","v":0},null,{"$f":"F29*E6","v":0},null,null,{"$f":"F29*E54","v":0},null,{"$f":"F29*I54","v":0},null,null,null,"Ouder dan 35",null,{"$f":"IF(S22>35,1,0)","v":0},null,{"$f":"IF(S29=1,S22-35,0)","v":0},null,{"$f":"U29*E6","v":0},null,null,{"$f":"U29*T54","v":0},null,{"$f":"U29*X54","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"SOM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOM"]
[null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(M27:M29)","v":-1.75},null,null,null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AB27:AB29)","v":-1.8}]
[]
[null,"LOOPTIJD",null,null,null,null,null,"AO",null,null,"WW 12",null,"WW 24",null,null,null,"LOOPTIJD",null,null,null,null,null,null,null,null,"WW 12",null,"WW 24"]
[null,null,null,null,null,"Korter/Langer 15 jr",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag",null,null,null,null,null,null,null,"Korter/Langer 15 jr",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag"]
[null,"Looptijd < 15 jaar",null,{"$f":"IF(D23<15,1,0)","v":0},null,{"$f":"IF(D35=1,15-D23,0)","v":0},null,{"$f":"F35*E8","v":0},null,null,{"$f":"F35*E56","v":0},null,{"$f":"F35*I56","v":0},null,null,null,"Looptijd < 15 jaar",null,{"$f":"IF(S23<15,1,0)","v":0},null,{"$f":"IF(S35=1,15-S23,0)","v":0},null,{"$f":"U35*E8","v":0},null,null,{"$f":"U35*T56","v":0},null,{"$f":"U35*X56","v":0}]
[null,"Looptijd 15 jaar",null,{"$f":"IF(D23=15,1,0)","v":0},null,0,null,null,null,null,null,null,null,null,null,null,"Looptijd 15 jaar",null,{"$f":"IF(S23=15,1,0)","v":0},null,0]
[null,"Looptijd > 15 jaar",null,{"$f":"IF(D23>15,1,0)","v":1},null,{"$f":"IF(D37=1,D23-15,0)","v":15},null,{"$f":"F37*E9","v":1.3499999999999999},null,null,{"$f":"F37*E57","v":0.3},null,{"$f":"F37*I57","v":0.6},null,null,null,"Looptijd > 15 jaar",null,{"$f":"IF(S23>15,1,0)","v":1},null,{"$f":"IF(S37=1,S23-15,0)","v":15},null,{"$f":"U37*E9","v":1.3499999999999999},null,null,{"$f":"U37*T57","v":0.3},null,{"$f":"U37*X57","v":0.6}]
[null,null,null,null,null,null,null,null,null,null,null,null,"SOM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOM"]
[null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(M35:M37)","v":0.6},null,null,null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AB35:AB37)","v":0.6}]
[]
[null,"PREMIE","AO",null,null,null,null,null,null,null,null,null,null,null,null,null,"PREMIE","AO"]
[null,null,null,null,null,null,null,null,null,"1e","2e","Beroeps","Met ",null,"Opslag ",null,null,null,null,null,null,null,null,null,"1e","2e","Beroeps","Met ",null,"Opslag "]
[null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","AO","Indexatie","TOTAAL",{"$f":"2.72","v":2.72},null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","AO","Indexatie","TOTAAL",{"$f":"2.72","v":2.72}]
[]
[null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"IF('AO en WW'!C30<125,125,'AO en WW'!C30)","v":125},null,{"$f":"E45*E$13","v":2},{"$f":"SUM(H27:H29)","v":-1.4000000000000001},{"$f":"SUM(H35:H37)","v":1.3499999999999999},{"$f":"G45*(100%+H45)","v":-0.80000000000000027},{"$f":"J45*(100%+I45)","v":-1.8800000000000003},0.1,null,{"$f":"K45*(1+L45)*(1+M45)","v":-2.0680000000000005},{"$f":"N45+O43","v":0.65199999999999969},null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"IF('AO en WW'!F30<125,125,'AO en WW'!F30)","v":125},null,{"$f":"T45*E13","v":2},{"$f":"SUM(W27:W29)","v":-1.44},{"$f":"SUM(W35:W37)","v":1.3499999999999999},{"$f":"V45*(100%+W45)","v":-0.87999999999999989},{"$f":"Y45*(100%+X45)","v":-2.0679999999999996},0.1,null,{"$f":"Z45*(1+AA45)*(1+AB45)","v":-2.2747999999999999},{"$f":"AC45+AD43","v":0.44520000000000026}]
[null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!C35<125,125,'AO en WW'!C35)","v":125},null,{"$f":"E46*E$13","v":2},{"$f":"SUM(H27:H29)","v":-1.4000000000000001},{"$f":"SUM(H35:H37)","v":1.3499999999999999},{"$f":"G46*(100%+H46)","v":-0.80000000000000027},{"$f":"J46*(100%+I46)","v":-1.8800000000000003},0.1,null,{"$f":"K46*(1+L46)*(1+M46)","v":-2.0680000000000005},{"$f":"N46+O43","v":0.65199999999999969},null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!F35<125,125,'AO en WW'!F35)","v":125},null,{"$f":"T46*E13","v":2},{"$f":"SUM(W27:W29)","v":-1.44},{"$f":"SUM(W35:W37)","v":1.3499999999999999},{"$f":"V46*(100%+W46)","v":-0.87999999999999989},{"$f":"Y46*(100%+X46)","v":-2.0679999999999996},0.1,null,{"$f":"Z46*(1+AA46)*(1+AB46)","v":-2.2747999999999999},{"$f":"AC46+AD43","v":0.44520000000000026}]
[]
[]
[]
[null,"Werkloosheid"]
[]
[null,"WW 12",null,null,null,null,null,null,"WW 24",null,null,null,null,null,null,null,"WW 12",null,null,null,null,null,null,"WW 24"]
[null,"Elk jaar jonger dan 35",null,null,-2.75E-2,"afslag per jaar",null,null,-0.05,null,null,null,null,null,null,null,"Elk jaar jonger dan 35",null,null,{"$f":"E53","v":-2.75E-2},"afslag per jaar",null,null,{"$f":"I53","v":-0.05}]
[null,"Elk jaar ouder dan 35",null,null,0.04,"opslag per jaar",null,null,0.13,null,null,null,null,null,null,null,"Elk jaar ouder dan 35",null,null,{"$f":"E54","v":0.04},"opslag per jaar",null,null,{"$f":"I54","v":0.13}]
[]
[null,"Looptijd korter dan 15 jaar",null,null,-2.5000000000000001E-2,"afslag per jaar",null,null,-0.04,null,null,null,null,null,null,null,"Looptijd korter dan 15 jaar",null,null,{"$f":"E56","v":-2.5000000000000001E-2},"afslag per jaar",null,null,{"$f":"I56","v":-0.04}]
[null,"Looptijd langer dan 15 jaar",null,null,0.02,"opslag per jaar",null,null,0.04,null,null,null,null,null,null,null,"Looptijd langer dan 15 jaar",null,null,{"$f":"E57","v":0.02},"opslag per jaar",null,null,{"$f":"I57","v":0.04}]
[]
[null,"Basispremie ",null,null,2.3820000000000001E-2,"van het verzekerd maandbedrag.",null,null,"Vaste opslag voor 24 maanden",null,null,0.22,null,null,null,null,"Basispremie ",null,null,{"$f":"E59","v":2.3820000000000001E-2},"van het verzekerd maandbedrag.",null,null,"Vaste opslag voor 24 maanden",null,null,{"$f":"L59","v":0.22}]
[]
[null,"PREMIE","WW",null,null,null,null,null,null,null,null,null,null,null,null,null,"PREMIE","WW"]
[null,null,null,null,null,null,null,null,null,"1e","2e","24 maanden doorrekening",null,null,null,null,null,null,null,null,null,null,null,null,"1e","2e","24 maanden doorrekening"]
[null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","Leeftijd","Looptijd","TOTAAL",null,null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","Leeftijd","Looptijd","TOTAAL"]
[]
[null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"IF('AO en WW'!C31<125,125,'AO en WW'!C31)","v":125},null,{"$f":"E65*E59","v":2.9775},{"$f":"SUM(K27:K29)","v":-0.96250000000000002},{"$f":"SUM(K35:K37)","v":0.3},{"$f":"G65*(100%+H65)","v":0.11165624999999993},{"$f":"J65*(100%+I65)","v":0.14515312499999991},{"$f":"L59*(100%+M31)","v":-0.16500000000000001},{"$f":"L65*(100%+M39)","v":-0.26400000000000001},{"$f":"K65*(100%+M65)","v":0.10683269999999993},null,null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"IF('AO en WW'!F31<125,125,'AO en WW'!F31)","v":125},null,{"$f":"T65*T59","v":2.9775},{"$f":"SUM(Z27:Z29)","v":-0.99},{"$f":"SUM(Z35:Z37)","v":0.3},{"$f":"V65*(100%+W65)","v":2.9775000000000027E-2},{"$f":"Y65*(100%+X65)","v":3.8707500000000034E-2},{"$f":"AA59*(100%+AB31)","v":-0.17600000000000002},{"$f":"AA65*(100%+AB39)","v":-0.28160000000000002},{"$f":"Z65*(100%+AB65)","v":2.7807468000000023E-2}]
[null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!C36<125,125,'AO en WW'!C36)","v":125},null,{"$f":"E66*E59","v":2.9775},{"$f":"SUM(K27:K29)","v":-0.96250000000000002},{"$f":"SUM(K35:K37)","v":0.3},{"$f":"G66*(100%+H66)","v":0.11165624999999993},{"$f":"J66*(100%+I66)","v":0.14515312499999991},{"$f":"L59*(100%+M31)","v":-0.16500000000000001},{"$f":"L65*(100%+M39)","v":-0.26400000000000001},{"$f":"K66*(100%+M66)","v":0.10683269999999993},null,null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!F36<125,125,'AO en WW'!F36)","v":125},null,{"$f":"T66*T59","v":2.9775},{"$f":"SUM(Z27:Z29)","v":-0.99},{"$f":"SUM(Z35:Z37)","v":0.3},{"$f":"V66*(100%+W66)","v":2.9775000000000027E-2},{"$f":"Y66*(100%+X66)","v":3.8707500000000034E-2},{"$f":"AA59*(100%+AB31)","v":-0.17600000000000002},{"$f":"AA65*(100%+AB39)","v":-0.28160000000000002},{"$f":"Z66*(100%+AB66)","v":2.7807468000000023E-2}]
[]
[]
[]
[null,"Controle; bruto premie totaal lager dan € 10 of hoger dan € 53,33?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Controle; bruto premie totaal lager dan € 10 of hoger dan € 53,33?"]
[]
[null,"Hoogte premie",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoogte premie"]
[null,"Kleiner dan",10,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kleiner dan",{"$f":"C73","v":10}]
[null,"Groter dan ",53.33,null,null,null,null,null,null,null,null,null,null,null,null,null,"Groter dan ",{"$f":"C74","v":53.33}]
[null,"Correctie",0.15,null,null,null,null,null,null,null,null,null,null,null,null,null,"Correctie",{"$f":"C75","v":0.15}]
[]
[null,34]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie 30% terugval",null,null,{"$f":"O45","v":0.65199999999999969},{"$f":"N65","v":0.10683269999999993},{"$f":"SUM(E79:F79)","v":0.75883269999999958},{"$f":"IF(G79<C$73,(C$73-G79)*C$75,0)","v":1.386175095},null,null,null,null,null,null,null,null,"Totaalpremie 30% terugval",null,null,{"$f":"AD45","v":0.44520000000000026},{"$f":"AC65","v":2.7807468000000023E-2},{"$f":"SUM(T79:U79)","v":0.47300746800000026},{"$f":"IF(V79<R$73,(R$73-V79)*R$75,0)","v":1.4290488797999998}]
[null,null,null,"< € 10",{"$f":"(E79/G79)*H79","v":1.191021633543204},{"$f":"(F79/G79)*H79","v":0.19515346145679605},null,null,{"$f":"IF(G79>C$74,(G79-C$74)*C$75,0)","v":0},null,null,null,null,null,null,null,null,null,"< € 10",{"$f":"(T79/V79)*W79","v":1.3450370328761065},{"$f":"(U79/V79)*W79","v":8.4011846923893282E-2},null,null,{"$f":"IF(V79>R$74,(V79-R$74)*R$75,0)","v":0}]
[null,null,null,"> € 55,33",{"$f":"-(E79/G79)*I80","v":0},{"$f":"-(F79/G79)*I80","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"> € 55,33",{"$f":"-(T79/V79)*X80","v":0},{"$f":"-(U79/V79)*X80","v":0}]
[]
[null,null,null,"TOTAAL",{"$f":"SUM(E79:E82)+0.5","v":2.3430216335432039},{"$f":"SUM(F79:F82)","v":0.30198616145679597},null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"IF(Algemeen!E9<>\"Met partner met inkomen\",0,SUM(T79:T82)+0.5)","v":0},{"$f":"IF(Algemeen!E9<>\"Met partner met inkomen\",0,SUM(U79:U82))","v":0}]
[]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie gedragscode",null,null,{"$f":"O46","v":0.65199999999999969},{"$f":"N66","v":0.10683269999999993},{"$f":"SUM(E86:F86)","v":0.75883269999999958},{"$f":"IF(G86<C$73,(C$73-G86)*C$75,0)","v":1.386175095},null,null,null,null,null,null,null,null,"Totaalpremie gedragscode",null,null,{"$f":"AD46","v":0.44520000000000026},{"$f":"AC66","v":2.7807468000000023E-2},{"$f":"SUM(T86:U86)","v":0.47300746800000026},{"$f":"IF(V86<R$73,(R$73-V86)*R$75,0)","v":1.4290488797999998}]
[null,null,null,"< € 10",{"$f":"(E86/G86)*H86","v":1.191021633543204},{"$f":"(F86/G86)*H86","v":0.19515346145679605},null,null,{"$f":"IF(G86>C$74,(G86-C$74)*C$75,0)","v":0},null,null,null,null,null,null,null,null,null,"< € 10",{"$f":"(T86/V86)*W86","v":1.3450370328761065},{"$f":"(U86/V86)*W86","v":8.4011846923893282E-2},null,null,{"$f":"IF(V86>R$74,(V86-R$74)*R$75,0)","v":0}]
[null,null,null,"> € 55,33",{"$f":"-(E86/G86)*I87","v":0},{"$f":"-(F86/G86)*I87","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"> € 55,33",{"$f":"-(T86/V86)*X87","v":0},{"$f":"-(U86/V86)*X87","v":0}]
[]
[null,null,null,"TOTAAL",{"$f":"SUM(E86:E89)+0.5","v":2.3430216335432039},{"$f":"SUM(F86:F89)","v":0.30198616145679597},null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"IF(Algemeen!E9<>\"Met partner met inkomen\",0,SUM(T86:T89)+0.5)","v":0},{"$f":"IF(Algemeen!E9<>\"Met partner met inkomen\",0,SUM(U86:U89))","v":0}]
[]
[]
[]
[]
[null,"Eigen invoer"]
[]
[]
[null,"Arbeidonsgeschiktheid"]
[]
[null,"Elk jaar jonger dan 35",null,null,-0.04,"afslag per jaar"]
[null,"Elk jaar ouder dan 35",null,null,0.05,"opslag per jaar"]
[]
[null,"Looptijd korter dan 15 jaar",null,null,-7.0000000000000007E-2,"afslag per jaar"]
[null,"Looptijd langer dan 15 jaar",null,null,0.09,"opslag per jaar"]
[]
[]
[]
[null,"Basispremie ",null,null,1.6E-2,"van het verzekerd maandbedrag.",null,null,null,"Basispremie is:"]
[null,"OPSLAG BeroepsAO",null,null,0.1,null,null,null,null,"- Passende arbeid"]
[null,"OPSLAG Indexatie",null,null,0.1,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,null,null,null,null,"- Geen indexatie"]
[]
[]
[]
[null,"1e AANVRAGER",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2e AANVRAGER"]
[null,"Leeftijd 1e",null,{"$f":"D22","v":0},"ALGEMEEN",null,null,null,null,null,null,null,null,null,null,null,"Leeftijd 1e",null,{"$f":"S22","v":-1},"ALGEMEEN"]
[null,"Looptijd ",null,{"$f":"MIN(30,67-D117)","v":30},"=> Pensioenleeftijd 67 -/- leeftijd",null,null,"MAXIMAAL 30 jaar",null,null,null,null,null,null,null,null,"Looptijd ",null,{"$f":"MIN(30,67-S117)","v":30},"=> Pensioenleeftijd 67 -/- leeftijd",null,null,"MAXIMAAL 30 jaar"]
[]
[null,"LEEFTIJD",null,null,null,null,null,"AO",null,null,"WW 12",null,"WW 24",null,null,null,"LEEFTIJD",null,null,null,null,null,null,null,null,"WW 12",null,"WW 24"]
[null,null,null,null,null,"Hoeveel jaar",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag",null,null,null,null,null,null,null,"Hoeveel jaar",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag"]
[null,"Jonger dan 35",null,{"$f":"IF(D117<35,1,0)","v":1},null,{"$f":"IF(D122=1,35-D117,0)","v":35},null,{"$f":"F122*E100","v":-1.4000000000000001},null,null,{"$f":"F122*E148","v":-0.96250000000000002},null,{"$f":"F122*I148","v":-1.75},null,null,null,"Jonger dan 35",null,{"$f":"IF(S117<35,1,0)","v":1},null,{"$f":"IF(S122=1,35-S117,0)","v":36},null,{"$f":"U122*E100","v":-1.44},null,null,{"$f":"U122*T148","v":-0.99},null,{"$f":"U122*X148","v":-1.8}]
[null,"35 jaar",null,{"$f":"IF(D117=35,1,0)","v":0},null,0,null,null,null,null,null,null,null,null,null,null,"35 jaar",null,{"$f":"IF(S117=35,1,0)","v":0},null,0]
[null,"Ouder dan 35",null,{"$f":"IF(D117>35,1,0)","v":0},null,{"$f":"IF(D124=1,D117-35,0)","v":0},null,{"$f":"F124*E101","v":0},null,null,{"$f":"F124*E149","v":0},null,{"$f":"F124*I149","v":0},null,null,null,"Ouder dan 35",null,{"$f":"IF(S117>35,1,0)","v":0},null,{"$f":"IF(S124=1,S117-35,0)","v":0},null,{"$f":"U124*E101","v":0},null,null,{"$f":"U124*T149","v":0},null,{"$f":"U124*X149","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"SOM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOM"]
[null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(M122:M124)","v":-1.75},null,null,null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AB122:AB124)","v":-1.8}]
[]
[null,"LOOPTIJD",null,null,null,null,null,"AO",null,null,"WW 12",null,"WW 24",null,null,null,"LOOPTIJD",null,null,null,null,null,null,null,null,"WW 12",null,"WW 24"]
[null,null,null,null,null,"Korter/Langer 15 jr",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag",null,null,null,null,null,null,null,"Korter/Langer 15 jr",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag"]
[null,"Looptijd < 15 jaar",null,{"$f":"IF(D118<15,1,0)","v":0},null,{"$f":"IF(D130=1,15-D118,0)","v":0},null,{"$f":"F130*E103","v":0},null,null,{"$f":"F130*E151","v":0},null,{"$f":"F130*I151","v":0},null,null,null,"Looptijd < 15 jaar",null,{"$f":"IF(S118<15,1,0)","v":0},null,{"$f":"IF(S130=1,15-S118,0)","v":0},null,{"$f":"U130*E103","v":0},null,null,{"$f":"U130*T151","v":0},null,{"$f":"U130*X151","v":0}]
[null,"Looptijd 15 jaar",null,{"$f":"IF(D118=15,1,0)","v":0},null,0,null,null,null,null,null,null,null,null,null,null,"Looptijd 15 jaar",null,{"$f":"IF(S118=15,1,0)","v":0},null,0]
[null,"Looptijd > 15 jaar",null,{"$f":"IF(D118>15,1,0)","v":1},null,{"$f":"IF(D132=1,D118-15,0)","v":15},null,{"$f":"F132*E104","v":1.3499999999999999},null,null,{"$f":"F132*E152","v":0.3},null,{"$f":"F132*I152","v":0.6},null,null,null,"Looptijd > 15 jaar",null,{"$f":"IF(S118>15,1,0)","v":1},null,{"$f":"IF(S132=1,S118-15,0)","v":15},null,{"$f":"U132*E104","v":1.3499999999999999},null,null,{"$f":"U132*T152","v":0.3},null,{"$f":"U132*X152","v":0.6}]
[null,null,null,null,null,null,null,null,null,null,null,null,"SOM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOM"]
[null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(M130:M132)","v":0.6},null,null,null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AB130:AB132)","v":0.6}]
[]
[null,"PREMIE","AO",null,null,null,null,null,null,null,null,null,null,null,null,null,"PREMIE","AO"]
[null,null,null,null,null,null,null,null,null,"1e","2e","Beroeps","Met ",null,"Opslag ",null,null,null,null,null,null,null,null,null,"1e","2e","Beroeps","Met ",null,"Opslag "]
[null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","AO","Indexatie","TOTAAL",{"$f":"2.72","v":2.72},null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","AO","Indexatie","TOTAAL",{"$f":"2.72","v":2.72}]
[]
[null,"Eigen invoer 1e verzekerde",null,null,{"$f":"'AO en WW'!C40","v":14.5},null,{"$f":"E140*E$13","v":0.23200000000000001},{"$f":"SUM(H122:H124)","v":-1.4000000000000001},{"$f":"SUM(H130:H132)","v":1.3499999999999999},{"$f":"G140*(100%+H140)","v":-9.2800000000000035E-2},{"$f":"J140*(100%+I140)","v":-0.21808000000000005},0.1,null,{"$f":"K140*(1+L140)*(1+M140)","v":-0.23988800000000007},{"$f":"N140+O138","v":2.4801120000000001},null,"Eigen invoer 2e verzekerde",null,null,{"$f":"IF(Algemeen!M15>0,'AO en WW'!F40,0)","v":0},null,{"$f":"T140*E108","v":0},{"$f":"SUM(W122:W124)","v":-1.44},{"$f":"SUM(W130:W132)","v":1.3499999999999999},{"$f":"V140*(100%+W140)","v":0},{"$f":"Y140*(100%+X140)","v":0},0.1,null,{"$f":"Z140*(1+AA140)*(1+AB140)","v":0},{"$f":"AC140+AD138","v":2.72}]
[]
[]
[]
[]
[null,"Werkloosheid"]
[]
[null,"WW 12",null,null,null,null,null,null,"WW 24",null,null,null,null,null,null,null,"WW 12",null,null,null,null,null,null,"WW 24"]
[null,"Elk jaar jonger dan 35",null,null,-2.75E-2,"afslag per jaar",null,null,-0.05,null,null,null,null,null,null,null,"Elk jaar jonger dan 35",null,null,{"$f":"E148","v":-2.75E-2},"afslag per jaar",null,null,{"$f":"I148","v":-0.05}]
[null,"Elk jaar ouder dan 35",null,null,0.04,"opslag per jaar",null,null,0.13,null,null,null,null,null,null,null,"Elk jaar ouder dan 35",null,null,{"$f":"E149","v":0.04},"opslag per jaar",null,null,{"$f":"I149","v":0.13}]
[]
[null,"Looptijd korter dan 15 jaar",null,null,-2.5000000000000001E-2,"afslag per jaar",null,null,-0.04,null,null,null,null,null,null,null,"Looptijd korter dan 15 jaar",null,null,{"$f":"E151","v":-2.5000000000000001E-2},"afslag per jaar",null,null,{"$f":"I151","v":-0.04}]
[null,"Looptijd langer dan 15 jaar",null,null,0.02,"opslag per jaar",null,null,0.04,null,null,null,null,null,null,null,"Looptijd langer dan 15 jaar",null,null,{"$f":"E152","v":0.02},"opslag per jaar",null,null,{"$f":"I152","v":0.04}]
[]
[null,"Basispremie ",null,null,2.3820000000000001E-2,"van het verzekerd maandbedrag.",null,null,"Vaste opslag voor 24 maanden",null,null,0.22,null,null,null,null,"Basispremie ",null,null,{"$f":"E154","v":2.3820000000000001E-2},"van het verzekerd maandbedrag.",null,null,"Vaste opslag voor 24 maanden",null,null,{"$f":"L154","v":0.22}]
[]
[null,"PREMIE","WW",null,null,null,null,null,null,null,null,null,null,null,null,null,"PREMIE","WW"]
[null,null,null,null,null,null,null,null,null,"1e","2e","24 maanden doorrekening",null,null,null,null,null,null,null,null,null,null,null,null,"1e","2e","24 maanden doorrekening"]
[null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","Leeftijd","Looptijd","TOTAAL",null,null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","Leeftijd","Looptijd","TOTAAL"]
[]
[null,"Eigen invoer 1e verzekerde",null,null,{"$f":"E140","v":14.5},null,{"$f":"E160*E154","v":0.34539000000000003},{"$f":"SUM(K122:K124)","v":-0.96250000000000002},{"$f":"SUM(K130:K132)","v":0.3},{"$f":"G160*(100%+H160)","v":1.2952124999999993E-2},{"$f":"J160*(100%+I160)","v":1.6837762499999992E-2},{"$f":"L154*(100%+M126)","v":-0.16500000000000001},{"$f":"L160*(100%+M134)","v":-0.26400000000000001},{"$f":"K160*(100%+M160)","v":1.2392593199999994E-2},null,null,"Eigen invoer 2e verzekerde",null,null,{"$f":"E160","v":14.5},null,{"$f":"T160*T154","v":0.34539000000000003},{"$f":"SUM(Z122:Z124)","v":-0.99},{"$f":"SUM(Z130:Z132)","v":0.3},{"$f":"V160*(100%+W160)","v":3.4539000000000032E-3},{"$f":"Y160*(100%+X160)","v":4.490070000000004E-3},{"$f":"AA154*(100%+AB126)","v":-0.17600000000000002},{"$f":"AA160*(100%+AB134)","v":-0.28160000000000002},{"$f":"Z160*(100%+AB160)","v":3.2256662880000026E-3}]
[]
[]
[]
[]
[null,"Controle; bruto premie totaal lager dan € 10 of hoger dan € 53,33?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Controle; bruto premie totaal lager dan € 10 of hoger dan € 53,33?"]
[]
[null,"Hoogte premie",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoogte premie"]
[null,"Kleiner dan",10,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kleiner dan",{"$f":"C168","v":10}]
[null,"Groter dan ",53.33,null,null,null,null,null,null,null,null,null,null,null,null,null,"Groter dan ",{"$f":"C169","v":53.33}]
[null,"Correctie",0.15,null,null,null,null,null,null,null,null,null,null,null,null,null,"Correctie",{"$f":"C170","v":0.15}]
[]
[]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie 30% terugval",null,null,{"$f":"O140","v":2.4801120000000001},{"$f":"N160","v":1.2392593199999994E-2},{"$f":"SUM(E174:F174)","v":2.4925045932000001},{"$f":"IF(G174<C$73,(C$73-G174)*C$75,0)","v":1.1261243110200001},null,null,null,null,null,null,null,null,"Totaalpremie 30% terugval",null,null,{"$f":"AD140","v":2.72},{"$f":"AC160","v":3.2256662880000026E-3},{"$f":"SUM(T174:U174)","v":2.7232256662880001},{"$f":"IF(V174<R$73,(R$73-V174)*R$75,0)","v":1.0915161500568}]
[null,null,null,"< € 10",{"$f":"(E174/G174)*H174","v":1.1205252840343831},{"$f":"(F174/G174)*H174","v":5.5990269856170038E-3},null,null,{"$f":"IF(G174>C$74,(G174-C$74)*C$75,0)","v":0},null,null,null,null,null,null,null,null,null,"< € 10",{"$f":"(T174/V174)*W174","v":1.0902232469780608},{"$f":"(U174/V174)*W174","v":1.2929030787393494E-3},null,null,{"$f":"IF(V174>R$74,(V174-R$74)*R$75,0)","v":0}]
[null,null,null,"> € 55,33",{"$f":"-(E174/G174)*I175","v":0},{"$f":"-(F174/G174)*I175","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"> € 55,33",{"$f":"-(T174/V174)*X175","v":0},{"$f":"-(U174/V174)*X175","v":0}]
[]
[null,null,null,"TOTAAL",{"$f":"SUM(E174:E177)+0.5","v":4.1006372840343834},{"$f":"SUM(F174:F177)","v":1.7991620185616997E-2},null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"SUM(T174:T177)","v":3.8102232469780608},{"$f":"SUM(U174:U177)","v":4.5185693667393525E-3}]
[]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie gedragscode",null,null,{"$f":"O141","v":0},{"$f":"N161","v":0},{"$f":"SUM(E181:F181)","v":0},{"$f":"IF(G181<C$73,(C$73-G181)*C$75,0)","v":1.5},null,null,null,null,null,null,null,null,"Totaalpremie gedragscode",null,null,{"$f":"AD141","v":0},{"$f":"AC161","v":0},{"$f":"SUM(T181:U181)","v":0},{"$f":"IF(V181<R$73,(R$73-V181)*R$75,0)","v":1.5}]
[null,null,null,"< € 10",{"$f":"(E181/G181)*H181","v":{"$error":"#DIV/0!"}},{"$f":"(F181/G181)*H181","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(G181>C$74,(G181-C$74)*C$75,0)","v":0},null,null,null,null,null,null,null,null,null,"< € 10",{"$f":"(T181/V181)*W181","v":{"$error":"#DIV/0!"}},{"$f":"(U181/V181)*W181","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(V181>R$74,(V181-R$74)*R$75,0)","v":0}]
[null,null,null,"> € 55,33",{"$f":"-(E181/G181)*I182","v":{"$error":"#DIV/0!"}},{"$f":"-(F181/G181)*I182","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,"> € 55,33",{"$f":"-(T181/V181)*X182","v":{"$error":"#DIV/0!"}},{"$f":"-(U181/V181)*X182","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,"TOTAAL",{"$f":"SUM(E181:E184)+0.5","v":{"$error":"#DIV/0!"}},{"$f":"SUM(F181:F184)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"IF(Algemeen!E105<>\"Met partner met inkomen\",0,SUM(T181:T184)+0.5)","v":0},{"$f":"IF(Algemeen!E105<>\"Met partner met inkomen\",0,SUM(U181:U184))","v":0}]

{"sheet":"Callas handmatig","index":56,"n_rows":94,"n_cols":256,"rows_kept":94,"cut":false,"hidden":true,"merged":[]}
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[]
[null,"Arbeidonsgeschiktheid"]
[]
[null,"Elk jaar jonger dan 35",null,null,-0.04,"afslag per jaar"]
[null,"Elk jaar ouder dan 35",null,null,0.05,"opslag per jaar"]
[]
[null,"Looptijd korter dan 15 jaar",null,null,-7.0000000000000007E-2,"afslag per jaar"]
[null,"Looptijd langer dan 15 jaar",null,null,0.09,"opslag per jaar"]
[]
[]
[]
[null,"Basispremie ",null,null,1.6E-2,"van het verzekerd maandbedrag.",null,null,null,"Basispremie is:"]
[null,"OPSLAG BeroepsAO",null,null,0.1,null,null,null,null,"- Passende arbeid"]
[null,"OPSLAG Indexatie",null,null,0.1,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,null,null,null,null,"- Geen indexatie"]
[]
[]
[]
[null,"1e AANVRAGER",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2e AANVRAGER"]
[null,"Leeftijd 1e",null,{"$f":"AlgemeenOUD!C9","v":0},"ALGEMEEN",null,null,null,null,null,null,null,null,null,null,null,"Leeftijd 1e",null,{"$f":"AlgemeenOUD!F9","v":-1},"ALGEMEEN"]
[null,"Looptijd ",null,{"$f":"MIN(30,67-D22)","v":30},"=> Pensioenleeftijd 67 -/- leeftijd",null,null,"MAXIMAAL 30 jaar",null,null,null,null,null,null,null,null,"Looptijd ",null,{"$f":"MIN(30,67-S22)","v":30},"=> Pensioenleeftijd 67 -/- leeftijd",null,null,"MAXIMAAL 30 jaar"]
[]
[null,"LEEFTIJD",null,null,null,null,null,"AO",null,null,"WW 12",null,"WW 24",null,null,null,"LEEFTIJD",null,null,null,null,null,null,null,null,"WW 12",null,"WW 24"]
[null,null,null,null,null,"Hoeveel jaar",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag",null,null,null,null,null,null,null,"Hoeveel jaar",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag"]
[null,"Jonger dan 35",null,{"$f":"IF(D22<35,1,0)","v":1},null,{"$f":"IF(D27=1,35-D22,0)","v":35},null,{"$f":"F27*E5","v":-1.4000000000000001},null,null,{"$f":"F27*E53","v":-0.96250000000000002},null,{"$f":"F27*I53","v":-1.75},null,null,null,"Jonger dan 35",null,{"$f":"IF(S22<35,1,0)","v":1},null,{"$f":"IF(S27=1,35-S22,0)","v":36},null,{"$f":"U27*E5","v":-1.44},null,null,{"$f":"U27*T53","v":-0.99},null,{"$f":"U27*X53","v":-1.8}]
[null,"35 jaar",null,{"$f":"IF(D22=35,1,0)","v":0},null,0,null,null,null,null,null,null,null,null,null,null,"35 jaar",null,{"$f":"IF(S22=35,1,0)","v":0},null,0]
[null,"Ouder dan 35",null,{"$f":"IF(D22>35,1,0)","v":0},null,{"$f":"IF(D29=1,D22-35,0)","v":0},null,{"$f":"F29*E6","v":0},null,null,{"$f":"F29*E54","v":0},null,{"$f":"F29*I54","v":0},null,null,null,"Ouder dan 35",null,{"$f":"IF(S22>35,1,0)","v":0},null,{"$f":"IF(S29=1,S22-35,0)","v":0},null,{"$f":"U29*E6","v":0},null,null,{"$f":"U29*T54","v":0},null,{"$f":"U29*X54","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"SOM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOM"]
[null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(M27:M29)","v":-1.75},null,null,null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AB27:AB29)","v":-1.8}]
[]
[null,"LOOPTIJD",null,null,null,null,null,"AO",null,null,"WW 12",null,"WW 24",null,null,null,"LOOPTIJD",null,null,null,null,null,null,null,null,"WW 12",null,"WW 24"]
[null,null,null,null,null,"Korter/Langer 15 jr",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag",null,null,null,null,null,null,null,"Korter/Langer 15 jr",null,"Afslag/opslag",null,null,"Afslag/opslag",null,"Afslag/opslag"]
[null,"Looptijd < 15 jaar",null,{"$f":"IF(D23<15,1,0)","v":0},null,{"$f":"IF(D35=1,15-D23,0)","v":0},null,{"$f":"F35*E8","v":0},null,null,{"$f":"F35*E56","v":0},null,{"$f":"F35*I56","v":0},null,null,null,"Looptijd < 15 jaar",null,{"$f":"IF(S23<15,1,0)","v":0},null,{"$f":"IF(S35=1,15-S23,0)","v":0},null,{"$f":"U35*E8","v":0},null,null,{"$f":"U35*T56","v":0},null,{"$f":"U35*X56","v":0}]
[null,"Looptijd 15 jaar",null,{"$f":"IF(D23=15,1,0)","v":0},null,0,null,null,null,null,null,null,null,null,null,null,"Looptijd 15 jaar",null,{"$f":"IF(S23=15,1,0)","v":0},null,0]
[null,"Looptijd > 15 jaar",null,{"$f":"IF(D23>15,1,0)","v":1},null,{"$f":"IF(D37=1,D23-15,0)","v":15},null,{"$f":"F37*E9","v":1.3499999999999999},null,null,{"$f":"F37*E57","v":0.3},null,{"$f":"F37*I57","v":0.6},null,null,null,"Looptijd > 15 jaar",null,{"$f":"IF(S23>15,1,0)","v":1},null,{"$f":"IF(S37=1,S23-15,0)","v":15},null,{"$f":"U37*E9","v":1.3499999999999999},null,null,{"$f":"U37*T57","v":0.3},null,{"$f":"U37*X57","v":0.6}]
[null,null,null,null,null,null,null,null,null,null,null,null,"SOM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOM"]
[null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(M35:M37)","v":0.6},null,null,null,"Als het getal 1 is, is dat het juiste uitgangspunt voor de berekening",null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AB35:AB37)","v":0.6}]
[]
[null,"PREMIE","AO",null,null,null,null,null,null,null,null,null,null,null,null,null,"PREMIE","AO"]
[null,null,null,null,null,null,null,null,null,"1e","2e","Beroeps","Met ",null,"Opslag ",null,null,null,null,null,null,null,null,null,"1e","2e","Beroeps","Met ",null,"Opslag "]
[null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","AO","Indexatie","TOTAAL",{"$f":"2.72","v":2.72},null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","AO","Indexatie","TOTAAL",{"$f":"2.72","v":2.72}]
[]
[null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"'AO en WW'!C40","v":14.5},null,{"$f":"E45*E$13","v":0.23200000000000001},{"$f":"SUM(H27:H29)","v":-1.4000000000000001},{"$f":"SUM(H35:H37)","v":1.3499999999999999},{"$f":"G45*(100%+H45)","v":-9.2800000000000035E-2},{"$f":"J45*(100%+I45)","v":-0.21808000000000005},0.1,null,{"$f":"K45*(1+L45)*(1+M45)","v":-0.23988800000000007},{"$f":"N45+O43","v":2.4801120000000001},null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"'AO en WW'!F40","v":14.5},null,{"$f":"T45*E13","v":0.23200000000000001},{"$f":"SUM(W27:W29)","v":-1.44},{"$f":"SUM(W35:W37)","v":1.3499999999999999},{"$f":"V45*(100%+W45)","v":-0.10207999999999999},{"$f":"Y45*(100%+X45)","v":-0.23988799999999993},0.1,null,{"$f":"Z45*(1+AA45)*(1+AB45)","v":-0.26387679999999997},{"$f":"AC45+AD43","v":2.4561232000000004}]
[null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!C35<125,125,'AO en WW'!C35)","v":125},null,{"$f":"E46*E$13","v":2},{"$f":"SUM(H27:H29)","v":-1.4000000000000001},{"$f":"SUM(H35:H37)","v":1.3499999999999999},{"$f":"G46*(100%+H46)","v":-0.80000000000000027},{"$f":"J46*(100%+I46)","v":-1.8800000000000003},0.1,null,{"$f":"K46*(1+L46)*(1+M46)","v":-2.0680000000000005},{"$f":"N46+O43","v":0.65199999999999969},null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!F35<125,125,'AO en WW'!F35)","v":125},null,{"$f":"T46*E13","v":2},{"$f":"SUM(W27:W29)","v":-1.44},{"$f":"SUM(W35:W37)","v":1.3499999999999999},{"$f":"V46*(100%+W46)","v":-0.87999999999999989},{"$f":"Y46*(100%+X46)","v":-2.0679999999999996},0.1,null,{"$f":"Z46*(1+AA46)*(1+AB46)","v":-2.2747999999999999},{"$f":"AC46+AD43","v":0.44520000000000026}]
[]
[]
[]
[null,"Werkloosheid"]
[]
[null,"WW 12",null,null,null,null,null,null,"WW 24",null,null,null,null,null,null,null,"WW 12",null,null,null,null,null,null,"WW 24"]
[null,"Elk jaar jonger dan 35",null,null,-2.75E-2,"afslag per jaar",null,null,-0.05,null,null,null,null,null,null,null,"Elk jaar jonger dan 35",null,null,{"$f":"E53","v":-2.75E-2},"afslag per jaar",null,null,{"$f":"I53","v":-0.05}]
[null,"Elk jaar ouder dan 35",null,null,0.04,"opslag per jaar",null,null,0.13,null,null,null,null,null,null,null,"Elk jaar ouder dan 35",null,null,{"$f":"E54","v":0.04},"opslag per jaar",null,null,{"$f":"I54","v":0.13}]
[]
[null,"Looptijd korter dan 15 jaar",null,null,-2.5000000000000001E-2,"afslag per jaar",null,null,-0.04,null,null,null,null,null,null,null,"Looptijd korter dan 15 jaar",null,null,{"$f":"E56","v":-2.5000000000000001E-2},"afslag per jaar",null,null,{"$f":"I56","v":-0.04}]
[null,"Looptijd langer dan 15 jaar",null,null,0.02,"opslag per jaar",null,null,0.04,null,null,null,null,null,null,null,"Looptijd langer dan 15 jaar",null,null,{"$f":"E57","v":0.02},"opslag per jaar",null,null,{"$f":"I57","v":0.04}]
[]
[null,"Basispremie ",null,null,2.3820000000000001E-2,"van het verzekerd maandbedrag.",null,null,"Vaste opslag voor 24 maanden",null,null,0.22,null,null,null,null,"Basispremie ",null,null,{"$f":"E59","v":2.3820000000000001E-2},"van het verzekerd maandbedrag.",null,null,"Vaste opslag voor 24 maanden",null,null,{"$f":"L59","v":0.22}]
[]
[null,"PREMIE","WW",null,null,null,null,null,null,null,null,null,null,null,null,null,"PREMIE","WW"]
[null,null,null,null,null,null,null,null,null,"1e","2e","24 maanden doorrekening",null,null,null,null,null,null,null,null,null,null,null,null,"1e","2e","24 maanden doorrekening"]
[null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","Leeftijd","Looptijd","TOTAAL",null,null,null,null,null,null,null,"Basis","Leeftijd","Looptijd","Leeftijd","Looptijd","Leeftijd","Looptijd","TOTAAL"]
[]
[null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"'AO en WW'!C43","v":1.7991620185616997E-2},null,{"$f":"E65*E59","v":4.2856039282139691E-4},{"$f":"SUM(K27:K29)","v":-0.96250000000000002},{"$f":"SUM(K35:K37)","v":0.3},{"$f":"G65*(100%+H65)","v":1.6071014730802375E-5},{"$f":"J65*(100%+I65)","v":2.0892319150043089E-5},{"$f":"L59*(100%+M31)","v":-0.16500000000000001},{"$f":"L65*(100%+M39)","v":-0.26400000000000001},{"$f":"K65*(100%+M65)","v":1.5376746894431712E-5},null,null,"Verzekerd bedrag 30% terugval",null,null,{"$f":"'AO en WW'!F43","v":4.5185693667393525E-3},null,{"$f":"T65*T59","v":1.0763232231573139E-4},{"$f":"SUM(Z27:Z29)","v":-0.99},{"$f":"SUM(Z35:Z37)","v":0.3},{"$f":"V65*(100%+W65)","v":1.0763232231573148E-6},{"$f":"Y65*(100%+X65)","v":1.3992201901045093E-6},{"$f":"AA59*(100%+AB31)","v":-0.17600000000000002},{"$f":"AA65*(100%+AB39)","v":-0.28160000000000002},{"$f":"Z65*(100%+AB65)","v":1.0051997845710793E-6}]
[null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!C36<125,125,'AO en WW'!C36)","v":125},null,{"$f":"E66*E59","v":2.9775},{"$f":"SUM(K27:K29)","v":-0.96250000000000002},{"$f":"SUM(K35:K37)","v":0.3},{"$f":"G66*(100%+H66)","v":0.11165624999999993},{"$f":"J66*(100%+I66)","v":0.14515312499999991},{"$f":"L59*(100%+M31)","v":-0.16500000000000001},{"$f":"L65*(100%+M39)","v":-0.26400000000000001},{"$f":"K66*(100%+M66)","v":0.10683269999999993},null,null,"Verzekerd bedrag gedragscode",null,null,{"$f":"IF('AO en WW'!F36<125,125,'AO en WW'!F36)","v":125},null,{"$f":"T66*T59","v":2.9775},{"$f":"SUM(Z27:Z29)","v":-0.99},{"$f":"SUM(Z35:Z37)","v":0.3},{"$f":"V66*(100%+W66)","v":2.9775000000000027E-2},{"$f":"Y66*(100%+X66)","v":3.8707500000000034E-2},{"$f":"AA59*(100%+AB31)","v":-0.17600000000000002},{"$f":"AA65*(100%+AB39)","v":-0.28160000000000002},{"$f":"Z66*(100%+AB66)","v":2.7807468000000023E-2}]
[]
[]
[]
[null,"Controle; bruto premie totaal lager dan € 10 of hoger dan € 53,33?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Controle; bruto premie totaal lager dan € 10 of hoger dan € 53,33?"]
[]
[null,"Hoogte premie",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoogte premie"]
[null,"Kleiner dan",10,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kleiner dan",{"$f":"C73","v":10}]
[null,"Groter dan ",53.33,null,null,null,null,null,null,null,null,null,null,null,null,null,"Groter dan ",{"$f":"C74","v":53.33}]
[null,"Correctie",0.15,null,null,null,null,null,null,null,null,null,null,null,null,null,"Correctie",{"$f":"C75","v":0.15}]
[]
[]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie 30% terugval",null,null,{"$f":"O45","v":2.4801120000000001},{"$f":"N65","v":1.5376746894431712E-5},{"$f":"SUM(E79:F79)","v":2.4801273767468945},{"$f":"IF(G79<C$73,(C$73-G79)*C$75,0)","v":1.1279808934879658},null,null,null,null,null,null,null,null,"Totaalpremie 30% terugval",null,null,{"$f":"AD45","v":2.4561232000000004},{"$f":"AC65","v":1.0051997845710793E-6},{"$f":"SUM(T79:U79)","v":2.4561242051997851},{"$f":"IF(V79<R$73,(R$73-V79)*R$75,0)","v":1.1315813692200323}]
[null,null,null,"< € 10",{"$f":"(E79/G79)*H79","v":1.1279739000259108},{"$f":"(F79/G79)*H79","v":6.9934620550295514E-6},null,null,{"$f":"IF(G79>C$74,(G79-C$74)*C$75,0)","v":0},null,null,null,null,null,null,null,null,null,"< € 10",{"$f":"(T79/V79)*W79","v":1.131580906106096},{"$f":"(U79/V79)*W79","v":4.631139362400853E-7},null,null,{"$f":"IF(V79>R$74,(V79-R$74)*R$75,0)","v":0}]
[null,null,null,"> € 55,33",{"$f":"-(E79/G79)*I80","v":0},{"$f":"-(F79/G79)*I80","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"> € 55,33",{"$f":"-(T79/V79)*X80","v":0},{"$f":"-(U79/V79)*X80","v":0}]
[]
[null,null,null,"TOTAAL",{"$f":"SUM(E79:E82)+0.5","v":4.1080859000259107},{"$f":"SUM(F79:F82)","v":2.2370208949461264E-5},null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"SUM(T79:T82)+0.5","v":4.0877041061060968},{"$f":"SUM(U79:U82)","v":1.4683137208111647E-6}]
[]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie gedragscode",null,null,{"$f":"O46","v":0.65199999999999969},{"$f":"N66","v":0.10683269999999993},{"$f":"SUM(E86:F86)","v":0.75883269999999958},{"$f":"IF(G86<C$73,(C$73-G86)*C$75,0)","v":1.386175095},null,null,null,null,null,null,null,null,"Totaalpremie gedragscode",null,null,{"$f":"AD46","v":0.44520000000000026},{"$f":"AC66","v":2.7807468000000023E-2},{"$f":"SUM(T86:U86)","v":0.47300746800000026},{"$f":"IF(V86<R$73,(R$73-V86)*R$75,0)","v":1.4290488797999998}]
[null,null,null,"< € 10",{"$f":"(E86/G86)*H86","v":1.191021633543204},{"$f":"(F86/G86)*H86","v":0.19515346145679605},null,null,{"$f":"IF(G86>C$74,(G86-C$74)*C$75,0)","v":0},null,null,null,null,null,null,null,null,null,"< € 10",{"$f":"(T86/V86)*W86","v":1.3450370328761065},{"$f":"(U86/V86)*W86","v":8.4011846923893282E-2},null,null,{"$f":"IF(V86>R$74,(V86-R$74)*R$75,0)","v":0}]
[null,null,null,"> € 55,33",{"$f":"-(E86/G86)*I87","v":0},{"$f":"-(F86/G86)*I87","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"> € 55,33",{"$f":"-(T86/V86)*X87","v":0},{"$f":"-(U86/V86)*X87","v":0}]
[]
[null,null,null,"TOTAAL",{"$f":"SUM(E86:E89)+0.5","v":2.3430216335432039},{"$f":"SUM(F86:F89)","v":0.30198616145679597},null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"SUM(T86:T89)+0.5","v":2.2902370328761066},{"$f":"SUM(U86:U89)","v":0.1118193149238933}]
[]
[]
[null,null,null,null,36.799999999999997]
[null,null,null,null,28.38]

{"sheet":"AO en WW netto inkomen","index":57,"n_rows":28,"n_cols":256,"rows_kept":28,"cut":false,"hidden":true,"merged":[[1,2,1,7]]}
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["Korting/afbouw ivm partner:",null,"http://www.berekenhet.nl/werk-en-inkomen/uitkering-netto.html"]
["NIET indien geboren voor 1-1-1963"]
[]
["1e aanvrager",null,null,null,"Bruto","Netto","PM",null,null,null,{"$f":"E5","v":"Bruto"},{"$f":"F5","v":"Netto"},{"$f":"G5","v":"PM"},null,null,null,"Bruto","Netto","PM",null,null,null,"Bruto","Netto","PM"]
[null,null,"AO B12",{"$f":"'AO uitvoer'!B12","v":0},{"$f":"(D6/12.96)*12","v":0},{"$f":"E6-F15+G15","v":2203},{"$f":"F6/12","v":183.58333333333334},null,"AO C12",{"$f":"'AO uitvoer'!C12","v":0},{"$f":"(J6/12.96)*12","v":0},{"$f":"K6-L15+M15","v":2203},{"$f":"L6/12","v":183.58333333333334},null,"AO B12",{"$f":"'AO uitvoer'!D12","v":0},{"$f":"(P6/12.96)*12","v":0},{"$f":"Q6-R15+S15","v":2203},{"$f":"R6/12","v":183.58333333333334},null,"AO B12",null,{"$f":"('AO uitvoer'!T12/12.96)*12","v":0},{"$f":"W6-X15+Y15","v":2203},{"$f":"X6/12","v":183.58333333333334}]
["Partner?",{"$f":"IF(AlgemeenOUD!C7>1,\"JA\",\"NEE\")","v":"NEE"}]
["Leeftijd",{"$f":"leeftijd2","v":-1},null,null,null,null,"Heffingskorting",null,null,null,null,null,{"$f":"G8","v":"Heffingskorting"},null,null,null,null,null,"Heffingskorting",null,null,null,null,null,"Heffingskorting"]
["Geboortejaar",{"$f":"'Financiële Gegevens'!K14-B8","v":2025},{"$f":"'Financiële Gegevens'!A22","v":0},{"$f":"'Financiële Gegevens'!B22","v":20384},{"$f":"'Financiële Gegevens'!C22","v":0.36969999999999997},{"$f":"IF(E6<D9,E6*E9,D9*E9)","v":0},{"$f":"IF(E6>D9,0,IF(B9>1962,2203,0))","v":2203},null,{"$f":"C9","v":0},{"$f":"D9","v":20384},0.36969999999999997,{"$f":"IF(K6<J9,K6*K9,J9*K9)","v":0},{"$f":"IF(K6>J9,0,2203)","v":2203},null,{"$f":"'Financiële Gegevens'!M22","v":0},{"$f":"'Financiële Gegevens'!N22","v":0},{"$f":"'Financiële Gegevens'!O22","v":0},{"$f":"IF(Q6<P9,Q6*Q9,P9*Q9)","v":0},{"$f":"IF(Q6>P9,0,2203)","v":2203},null,{"$f":"'Financiële Gegevens'!S22","v":0},{"$f":"'Financiële Gegevens'!T22","v":0},{"$f":"'Financiële Gegevens'!U22","v":0},{"$f":"IF(W6<V9,W6*W9,V9*W9)","v":0},{"$f":"IF(W6>V9,0,2203)","v":2203}]
["Afbouw",{"$f":"IF(B9>1962,2203*53.33%,0)","v":1174.8598999999999},{"$f":"'Financiële Gegevens'!A23","v":20385},{"$f":"'Financiële Gegevens'!B23","v":38098},{"$f":"'Financiële Gegevens'!C23","v":0.36969999999999997},{"$f":"IF(AND(E$6>C10,E$6<D10),(E$6-C10)*E10,IF(E$6>D10,(D10-C10)*E10,0))","v":0},null,null,20385,{"$f":"D10","v":38098},0.36969999999999997,{"$f":"IF(AND(K$6>I10,K$6<J10),(K$6-I10)*K10,IF(K$6>J10,(J10-I10)*K10,0))","v":0},null,null,{"$f":"'Financiële Gegevens'!M23","v":0},{"$f":"'Financiële Gegevens'!N23","v":0},{"$f":"'Financiële Gegevens'!O23","v":0},{"$f":"IF(Q$6>P10,(P10-O10)*Q10,IF(Q$6<P10,(Q$6-O10)*Q10))","v":false},null,null,{"$f":"'Financiële Gegevens'!S23","v":0},{"$f":"'Financiële Gegevens'!T23","v":0},{"$f":"'Financiële Gegevens'!U23","v":0},{"$f":"IF(W$6>V10,(V10-U10)*W10,IF(W$6<V10,(W$6-U10)*W10))","v":false}]
[null,null,{"$f":"'Financiële Gegevens'!A24","v":38099},{"$f":"'Financiële Gegevens'!B24","v":75518},{"$f":"'Financiële Gegevens'!C24","v":0.36969999999999997},{"$f":"IF(AND(E$6>C11,E$6<D11),(E$6-C11)*E11,IF(E$6>D11,(D11-C11)*E11,0))","v":0},{"$f":"IF(AND(E6>C10,E6<D11),IF(B9>1962,B10,(2203-(E6-C10)*2.32%)))","v":false},null,38099,{"$f":"D11","v":75518},0.36969999999999997,{"$f":"IF(AND(K$6>I11,K$6<J11),(K$6-I11)*K11,IF(K$6>J11,(J11-I11)*K11,0))","v":0},{"$f":"IF(AND(K6>I10,K6<J11),(2203-(K6-I10)*2.32%),0)","v":0},null,{"$f":"'Financiële Gegevens'!M24","v":0},{"$f":"'Financiële Gegevens'!N24","v":0},{"$f":"'Financiële Gegevens'!O24","v":0},{"$f":"IF(Q6>P11,(P11-O11)*Q11,IF(Q6>O11,(Q6-O11)*Q11,0))","v":0},{"$f":"IF(Q6>O10,2203-((Q6-P9)*2.32%),0)","v":0},null,{"$f":"'Financiële Gegevens'!S24","v":0},{"$f":"'Financiële Gegevens'!T24","v":0},{"$f":"'Financiële Gegevens'!U24","v":0},{"$f":"IF(W6>V11,(V11-U11)*W11,IF(W6>U11,(W6-U11)*W11,0))","v":0},{"$f":"IF(W6>U10,2203-((W6-V9)*2.32%),0)","v":0}]
[null,null,{"$f":"'Financiële Gegevens'!A25","v":75519},{"$f":"'Financiële Gegevens'!B25","v":12000000},{"$f":"'Financiële Gegevens'!C25","v":0.495},{"$f":"IF(E6>C12,(E6-C12)*E12,0)","v":0},{"$f":"IF(E6>C12,1342,IF(AND(E6>56935,B9>1962),1175,0))","v":0},null,75519,{"$f":"D12","v":12000000},0.495,{"$f":"IF(K6>I12,(K6-I12)*K12,0)","v":0},{"$f":"IF(K6>I12,1342,0)","v":0},null,{"$f":"'Financiële Gegevens'!M25","v":0},{"$f":"'Financiële Gegevens'!N25","v":0},{"$f":"'Financiële Gegevens'!O25","v":0},{"$f":"IF(Q6>O12,(Q6-O12)*Q12,0)","v":0},{"$f":"IF(Q6>O12,1342,0)","v":0},null,{"$f":"'Financiële Gegevens'!S25","v":0},{"$f":"'Financiële Gegevens'!T25","v":0},{"$f":"'Financiële Gegevens'!U25","v":0},{"$f":"IF(W6>U12,(W6-U12)*W12,0)","v":0},{"$f":"IF(W6>U12,1342,0)","v":0}]
[]
[]
["LET OP; nog arbeidskorting inbouwen",null,"Totaal IB te betalen",null,null,{"$f":"SUM(F9:F14)","v":0},{"$f":"SUM(G9:G12)","v":2203},null,"Totaal IB te betalen",null,null,{"$f":"SUM(L9:L14)","v":0},{"$f":"SUM(M9:M14)","v":2203},null,"Totaal IB te betalen",null,null,{"$f":"SUM(R9:R14)","v":0},{"$f":"SUM(S9:S12)","v":2203},null,"Totaal IB te betalen",null,null,{"$f":"SUM(X9:X14)","v":0},{"$f":"SUM(Y9:Y12)","v":2203}]
[]
[]
[]
[null,null,"Voor overzicht heffingskortingen zie:"]
[null,null,"https://financieel.infonu.nl/belasting/162948-hypotheekrenteaftrek-2020-omlaag.html"]
[]
[null,null,0,19982,2265]
[null,null,{"$f":"D22+1","v":19983},29999,2265]
[null,null,30000,39999,1800]
[null,null,40000,49999,1335]
[null,null,50000,59999,867]
[null,null,{"$f":"D26+1","v":60000},66999,400]
[null,null,67000,1000000,70]

{"sheet":"PensioenOUD","index":58,"n_rows":30,"n_cols":256,"rows_kept":30,"cut":false,"hidden":true,"merged":[[3,2,3,5]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[]
[]
[]
[null,"Naam 1e",{"$f":"'AO en WW'!$C$5","v":""},null,"Naam 2e",{"$f":"'AO en WW'!$F$5","v":0}]
[null,"Huidige leeftijd",{"$f":"AlgemeenOUD!C9","v":0},null,"Huidige leeftijd",{"$f":"AlgemeenOUD!F9","v":-1}]
[]
[]
[null,"Pensioen bruto per jaar:",null,null,"Pensioen bruto per jaar:"]
[null,{"$f":"Pensioen!B25","v":0},null,null,{"$f":"Pensioen!J25","v":0},{"$f":"Pensioen!M25","v":0}]
[null,{"$f":"Pensioen!B26","v":0},{"$f":"Pensioen!E26","v":0},null,{"$f":"Pensioen!J26","v":0},{"$f":"Pensioen!M26","v":0}]
[null,{"$f":"Pensioen!B27","v":0},{"$f":"Pensioen!E27","v":0},null,{"$f":"Pensioen!J27","v":0},{"$f":"Pensioen!M27","v":0}]
[null,{"$f":"Pensioen!B28","v":0},{"$f":"Pensioen!E28","v":0},null,{"$f":"Pensioen!J28","v":0},{"$f":"Pensioen!M28","v":0}]
[null,{"$f":"Pensioen!#REF!","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!C7=1,2,3)","v":2},null,null,{"$f":"IF(AlgemeenOUD!C7>1,3,0)","v":0}]
[null,"Hoeveel jaar in het buitenland geweest tussen 15e en pensioen ?",null,null,"Hoeveel jaar in het buitenland geweest tussen 15e en pensioen ?"]
[null,{"$f":"VLOOKUP(C16,Gegevens!A74:B124,2)","v":100},{"$f":"Pensioen!E32+1","v":1},null,{"$f":"VLOOKUP(F16,Gegevens!A74:B124,2)","v":100},{"$f":"Pensioen!M32+1","v":1}]
[null,"OF AOW uitkering zelf in te vullen:",{"$f":"Pensioen!E31","v":0},null,"OF AOW uitkering zelf in te vullen:",{"$f":"Pensioen!M31","v":0}]
[]
[null,"Bruto totaal pensioeninkomen 1e aanvrager",{"$f":"'Pensioen uitvoer'!B16","v":19777},null,"Bruto totaal pensioeninkomen 2e aanvrager",{"$f":"'Pensioen uitvoer'!E16","v":13481}]
[null,null,null,null,null,{"$f":"IF(Gegevens!$H$415=0,\"\",\"Klik hier voor juist tabblad\")","v":""}]
[null,"Uw hypotheek(stand) op pensioendatum is",{"$f":"Pensioen!E40","v":0},null,{"$f":"IF(C26>=AlgemeenOUD!C35,\"Geen afbouwverplichting\",\"Afbouwverplichting tot pensioen\")","v":"Afbouwverplichting tot pensioen"},{"$f":"IF(C26>=AlgemeenOUD!C35,0,Alg_naschuif-PensioenOUD!C26)","v":-65434.189634685456}]
[null,"Indien werkelijk afgelost, welk bedrag is dan afgelost?",{"$f":"Pensioen!F52","v":0},null,{"$f":"IF(C26>=AlgemeenOUD!C35,\"Geen afbouwverplichting\",\"Annuïteit op basis van \"&'Maximale verstrekking'!O67&\" maanden\")","v":"Annuïteit op basis van 0 maanden"},{"$f":"PMT(C25/12,'Maximale verstrekking'!O67,-(PensioenOUD!F21),0,0)","v":{"$error":"#NUM!"}}]
[null,"De hypotheeksom die u afsluit is",{"$f":"AlgemeenOUD!C27","v":0},null,null,0]
[]
[null,"Met rente aftrek, toetsrente:",{"$f":"'Maximale verstrekking'!E13","v":3.799999999999825E-2},null,"Zonder rente aftrek, toetsrente:",{"$f":"C25","v":3.799999999999825E-2}]
[null,"Maximaal GHF ",{"$f":"'Maximale verstrekking'!O56","v":65434.189634685456},null,"Maximaal GHF ",{"$f":"'Maximale verstrekking'!O59","v":63665.698022964025},{"$f":"PMT(C32/12,360,-F26,0,0)","v":176.84916117490008}]
[null,"Verantwoorde jaarlast GFH",{"$f":"'Maximale verstrekking'!O60","v":3658.7449999984583},null,"Verantwoorde jaarlast GFH",{"$f":"'Maximale verstrekking'!P60","v":3559.8600000000006}]
[null,"Maximaal op basis van aflosvrij",{"$f":"C27/C25","v":96282.763157858601},null,"Maximaal op basis van aflosvrij",{"$f":"F27/F25","v":93680.526315793802}]
[]
[null,null,null,1]

{"sheet":"Algemeen overig","index":59,"n_rows":54,"n_cols":27,"rows_kept":54,"cut":false,"hidden":true,"merged":[[6,1,6,3],[6,9,6,11],[5,4,5,6],[5,12,5,14],[6,46,6,47],[6,4,6,6],[6,12,6,14],[6,40,6,43],[6,44,6,45],[7,4,7,6],[7,12,7,14],[31,4,31,5],[32,4,32,5],[31,16,31,17],[32,16,32,17],[11,4,11,6],[13,4,13,6],[15,4,15,6],[16,4,16,6],[33,16,33,17],[33,4,33,5],[31,10,31,11],[32,10,32,11],[33,10,33,11],[50,1,50,2],[50,4,50,5],[50,12,50,13],[46,14,46,15],[47,12,47,13],[48,1,48,2],[48,4,48,5],[48,12,48,13],[46,1,47,3],[46,4,47,6],[46,7,46,8],[46,10,47,10],[46,11,46,13],[38,4,38,5],[38,10,38,11],[38,16,38,17],[49,1,49,2],[49,4,49,5],[49,12,49,13]]}
[]
[null,{"$f":"Algemeen!B2","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Krediet 1","Krediet 2"]
[]
[]
[null,"Naam 1e aanvrager",null,null,{"$f":"Algemeen!E6","v":""},null,null,null,null,"Naam 2e aanvrager",null,null,{"$f":"Algemeen!M6&\"\"","v":"0"},null,null,null,null,null,null,null,null,"PL ",1,{"$f":"IF(AND(I42=1,K34>0,K36>0),PMT(K34/12,K36*12,-K32),0)","v":{"$error":"#N/A"}},{"$f":"IF(AND(O42=1,Q34>0,Q36>0),PMT(Q34/12,Q36*12,-Q32),0)","v":181.9913915330354}]
[null,"Geboortedatum ",null,null,{"$f":"Algemeen!E7","v":"00:00:00"},null,null,null,null,"Geboortedatum",null,null,{"$f":"Algemeen!M7","v":"00:00:00"},null,null,null,null,null,null,null,null,"Rentekrediet",2,{"$f":"K32*(K34/12)","v":0},{"$f":"Q32*(Q34/12)","v":100}]
[null,null,null,null,{"$f":"Algemeen!E8","v":"0 jaar"},null,null,null,null,null,null,{"$f":"IF(D9<2,-1,IF(M7=0,0,TRUNC((TODAY()-M7)/365.25)))","v":-1},{"$f":"Algemeen!M8","v":"-1 jaar"},null,null,null,null,null,null,null,null,"DK 1%",3,{"$f":"K32*1%","v":0},{"$f":"Q32*1%","v":150}]
[{"$f":"AlgemeenOUD!C64","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DK 1,5%",4,{"$f":"K32*1.5%","v":0},{"$f":"Q32*1.5%","v":225}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DK 2%",5,{"$f":"K32*2%","v":0},{"$f":"Q32*2%","v":300}]
[]
[null,"Burgerlijke status",null,null,"Alleenstaand"]
[]
[null,"Huige woonsituatie"]
[]
[null,"Beroep",null,null,null,null,null,null,null,"Beroep"]
[null,"Dienstverband",null,null,null,null,null,null,null,"Dienstverband"]
[]
[]
[null,"Vooralsnog kunnen in dit tablad 1 restschuld en 2 kredieten worden ingevoerd."]
[null,"Deze worden opgenomen in alle berekeningen. In dit tabblad zal later"]
[null,"worden gevuld met informatie welke wordtg opgenomen in het tabblad"]
[null,"Gegevens klant' welke dan kan worden toegevoegd aan je adviessamenvatting."]
[]
[]
[]
[]
[]
[]
[null,"      Restschuld",null,null,null,null,null,"      Krediet",{"$f":"IF(AND(Krediet1=TRUE,K33>0),VLOOKUP(K33,V6:W10,2,FALSE),0)","v":0},null,null,null,null,"      Krediet",{"$f":"IF(AND(Krediet2=TRUE,Q33>0),VLOOKUP(Q33,V6:W10,2,FALSE),0)","v":0},null,null,null,{"$f":"Krediet1","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"PL ","A","Annuïteit",1]
[null,"Bedrag",null,null,5000,null,null,"Bedrag",null,null,null,null,null,"Bedrag",null,null,15000,null,null,null,2,"Rentekrediet",null,"Lineair",2]
[null,"Vorm",null,null,"Lineair",null,null,"Vorm",null,null,null,null,null,"Vorm",null,null,"PL ",null,null,null,3,"DK 1%","D","Aflosvrij",3]
[null,"Rentepercentage",null,null,0.05,null,null,"Rentepercentage",null,null,null,null,null,"Rentepercentage",null,null,0.08,null,null,null,4,"DK 1,5%","D"]
[null,"Rentevast periode",null,null,10,"jaar",null,"Rentevast periode",null,null,null,"jaar",null,"Rentevast periode",null,null,9,"jaar",null,null,5,"DK 2%","D"]
[null,"Looptijd",null,null,11,"jaar",null,"Looptijd",null,null,null,"jaar",null,"Looptijd",null,null,10,"jaar"]
[null,"Duur aftrek",null,null,12,"jaar",null,"Duur aftrek",null,null,null,"jaar",null,"Duur aftrek",null,null,11,"jaar"]
[]
[null,{"$f":"IF(E36=0,\"Vul looptijd in\",\"Maandlast\")","v":"Maandlast"},null,null,{"$f":"IF(C42=3,C45,IF(AND(C42<3,E36>0),SUM(D43:D44),0))","v":58.712121212121204},null,null,"Maandlast",null,null,{"$f":"VLOOKUP(I42,W6:X10,2,FALSE)","v":{"$error":"#N/A"}},null,null,"Maandlast",null,null,{"$f":"VLOOKUP(O42,W6:Y10,3,FALSE)","v":181.9913915330354}]
[]
[null,"Vorm",{"$f":"E33","v":"Lineair"},null,null,null,null,"Vorm",{"$f":"K33","v":0},null,null,null,null,"Vorm",{"$f":"Q33","v":"PL "}]
[null,"Code",{"$f":"VLOOKUP(E33,X31:Y33,2,FALSE)","v":2},null,null,null,null,"Code",{"$f":"VLOOKUP(I41,V6:W10,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,"Code",{"$f":"VLOOKUP(O41,V6:W10,2,FALSE)","v":1}]
[null,"PM",{"$f":"PMT(E34/12,E36*12,-E32)","v":49.322441233775933},{"$f":"IF(C$42=1,C43,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"P","A"]
[null,"PM",{"$f":"(E32/(E36*12))+E32*(E34/12)","v":58.712121212121204},{"$f":"IF(C$42=2,C44,0)","v":58.712121212121204},null,null,null,null,null,null,null,null,null,null,null,null,null,"R","L"]
[null,"PM",{"$f":"E32*(E34/12)","v":20.833333333333332},null,null,null,null,null,null,{"$f":"IF(I$42=3,I45,0)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,"D","D"]
[]
[null,"Hypotheekvorm",null,null,"Hoofdsom",null,null,"Looptijd",null,"Jaar","Rente","Aftrekbaarheid",null,null,"Extra Aflossing",null,null,null,null,null,null,null,"Vast",null,{"$f":"CHAR(64+COLUMN(J50))","v":"J"}]
[null,null,null,null,null,null,null,"Jr","Mnd","Vast",null,"Jaren","Bedrag",null,"Jaar","Bedrag",null,null,"Type","%","Aftrekbaar",null,"Type(A/L/)",null,{"$f":"CHAR(64+COLUMN(V49))","v":"V"},{"$f":"CHAR(64+COLUMN(T49))","v":"T"}]
[null,{"$f":"+E33","v":"Lineair"},null,null,{"$f":"+E32","v":5000},null,{"$f":"IF(rschuld,E49,0)","v":0},{"$f":"+E36","v":11},null,{"$f":"+E35","v":10},{"$f":"+E34","v":0.05},{"$f":"+E37","v":12},{"$f":"+E49","v":5000},null,{"$f":"'Vrije Keuze'!O32","v":0},{"$f":"'Vrije Keuze'!P32","v":0},null,false,{"$f":"LEFT(B49,1)","v":"L"},0,{"$f":"IF(M49=0,100%,MIN(1,M49/E49))","v":1},{"$f":"S49","v":"L"},"Looptijd",null,{"$f":"CHAR(64+COLUMN(H49))","v":"H"},{"$f":"CHAR(64+COLUMN(I50))","v":"I"},{"$f":"CHAR(64+COLUMN(L50))","v":"L"}]
[null,{"$f":"+K33","v":0},null,null,{"$f":"+K32","v":0},null,{"$f":"IF(Krediet1,E50,0)","v":0},{"$f":"IF(S50=\"D\",100,K36)","v":0},null,{"$f":"+K35","v":0},{"$f":"+K34","v":0},{"$f":"+K37","v":0},{"$f":"+E50","v":0},null,{"$f":"'Vrije Keuze'!O33","v":0},{"$f":"'Vrije Keuze'!P33","v":0},{"$f":"IF(S50=\"D\",BijAlgOvg!T3,0)","v":0},false,{"$f":"LEFT(B50,1)","v":"0"},{"$f":"IF(S50=\"D\",VALUE(MID(B50,3,255)),0)","v":0},{"$f":"IF(M50=0,100%,MIN(1,M50/E50))","v":1},{"$f":"IFERROR(VLOOKUP(S50,$R$43:$S$45,2,),\"\")","v":""},"Percentage",null,{"$f":"CHAR(64+COLUMN(K50))","v":"K"}]
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[null,null,null,null,"Oude EWS",null,null,null,"Eigen woning",null,null,"Eigendom"]
[null,null,null,null,"Overgangsrecht",null,null,null,"reserve",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente"]
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["Doorstromer",null,null,null,250000,null,null,null,50000,null,null,0.5]
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["Starter",null,null,null,"NVT",null,null,null,"NVT",null,null,0.5]
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["Verkrijging",null,null,null,375000]
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[]
[]
[]
[]
[null,null,null,null,"Doorstromer",null,null,null,"Starter"]
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["Schuld 50%",null,null,null,{"$f":"E19*50%","v":162500},null,null,null,{"$f":"E19*50%","v":162500}]
[]
["Annuïteit/Lineair",null,null,null,{"$f":"E26-E29","v":37500},null,null,null,{"$f":"E26-E29","v":37500}]
["Max. Aflosvrij",null,null,null,{"$f":"E13*50%","v":125000},null,null,null,{"$f":"E13/2","v":125000}]
[]
["Verwerving",null,null,null,{"$f":"E17*L13","v":187500},null,null,null,{"$f":"E17*L15","v":187500}]
["Af: Eigen woning reserve",null,null,null,{"$f":"I13","v":50000},null,null,null,{"$f":"0","v":0}]
[]
["Eigen woning schuld",null,null,null,{"$f":"E31-E32","v":137500},null,null,null,{"$f":"I28","v":37500}]
["Box 3",null,null,null,{"$f":"E26-E34","v":25000},null,null,null,{"$f":"I26-I34","v":125000}]
[]
[]
[]
[null,null,null,null,"Doorstromer",null,null,null,"Starter"]
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["Schuld 50%",null,null,null,{"$f":"E19*0.5","v":162500},null,null,null,{"$f":"E19*0.5","v":162500}]
[]
["Annuïteit/Lineair",null,null,null,{"$f":"E41-E44","v":37500},null,null,null,{"$f":"I41-I44","v":37500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B26=\"Aflosvrij\",E26,0)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"E43","v":37500},{"$f":"AE43","v":0},0]
["Max. Aflosvrij",null,null,null,{"$f":"E13*0.5","v":125000},null,null,null,{"$f":"E13/2","v":125000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B27=\"Aflosvrij\",E27,0)","v":0},null,null,null,null,null,null,null,null,null,125000,0,0]
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["Verwerving",null,null,null,{"$f":"E17*0.5","v":187500},null,null,null,{"$f":"I31","v":187500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,187500,0,0]
["Af: Eigen woning reserve",null,null,null,{"$f":"I13/2","v":25000},null,null,null,{"$f":"I13/2","v":25000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25000,0,0]
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["Eigen woning schuld",null,null,null,{"$f":"E46-E47","v":162500},null,null,null,{"$f":"I46-I47","v":162500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,162500,0,0]
["Box 3",null,null,null,{"$f":"E41-E49","v":0},null,null,null,{"$f":"I41-I49","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[]
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[null,null,null,null,"Doorstromer",null,null,null,"Starter",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Doorstromer",0,0]
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["Schuld 50%",null,null,null,{"$f":"E34","v":137500},null,null,null,{"$f":"E19-E56","v":187500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,137500,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
["Annuïteit/Lineair",null,null,null,{"$f":"E56-E59","v":0},null,null,null,{"$f":"I56","v":187500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
["Max. Aflosvrij",null,null,null,{"$f":"E56","v":137500},null,null,null,{"$f":"I56-I58","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,137500,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
["Verwerving",null,null,null,{"$f":"E46","v":187500},null,null,null,{"$f":"I46","v":187500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,187500,0,0]
["Af: Eigen woning reserve",null,null,null,{"$f":"I13","v":50000},null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,50000,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
["Eigen woning schuld",null,null,null,{"$f":"E61-E62","v":137500},null,null,null,{"$f":"I61-I62","v":187500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,137500,0,0]
["Box 3",null,null,null,{"$f":"E64-E56","v":0},null,null,null,{"$f":"I64-I56","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,0]

{"sheet":"AO en WW","index":62,"n_rows":67,"n_cols":17,"rows_kept":67,"cut":false,"hidden":true,"merged":[]}
[]
[null,{"$f":"Algemeen!B2","v":0}]
[]
[]
[null,"Naam 1e aanvrager",{"$f":"Algemeen!E6","v":""},null,"Naam 2e aanvrager",{"$f":"Algemeen!M6","v":0}]
[null,"Geboortedatum",{"$f":"Algemeen!E7","v":"00:00:00"},null,"Geboortedatum",{"$f":"Algemeen!M7","v":"00:00:00"},null,null,{"$f":"MATCH(\"*\",D:D,)","v":30}]
[null,"Leeftijd",{"$f":"Algemeen!E8","v":"0 jaar"},null,"Leeftijd",{"$f":"Algemeen!M8","v":"-1 jaar"}]
[null,"Roker",null,null,"Roker"]
[null,"Toetsinkomen voor de AO/WW berekening",{"$f":"'Maximale verstrekking'!H18","v":0},null,"Toetsinkomen voor de AO/WW berekening",{"$f":"'Maximale verstrekking'!J19","v":0}]
[null,"GHF hypotheek bij 70 % inkomen",{"$f":"MAX(J10,'Maximale verstrekking'!H56)","v":1},null,"GHF hypotheek bij 70 % inkomen",{"$f":"IF(AlgemeenOUD!F10>0,'Maximale verstrekking'!J56,0)","v":0},null,null,null,1]
[null,"Nieuwe hypotheeksom",{"$f":"hik_ink1","v":-9.9999999999999995E-7},null,"Nieuwe hypotheeksom",{"$f":"C11","v":-9.9999999999999995E-7}]
[null,{"$f":"IF(C10<C11,\"Hoogte AO inkomen voor GHF hypotheek !\",\"Hypotheek t.o.v. inkomen is reeds passend !!\")","v":"Hypotheek t.o.v. inkomen is reeds passend !!"},{"$f":"IF(hik_bij1>0,MAX(0,hik_inkcorrect-AlgemeenOUD!F13),C9)","v":0},null,{"$f":"IF(F10<F11,\"Hoogte AO inkomen voor GHF hypotheek !\",\"Hypotheek t.o.v. inkomen is reeds passend !!\")","v":"Hypotheek t.o.v. inkomen is reeds passend !!"},{"$f":"IF(hik_bij2>0,MAX(hik_inkcorrect2-AlgemeenOUD!C13,0),F9)","v":0}]
[null,"Maximale hypotheek met AO INKOMEN",null,null,"Maximale hypotheek met AO INKOMEN"]
[]
[null,"AO aanvulling PER JAAR:",null,null,{"$f":"IF(AlgemeenOUD!C7>1,\"AO aanvulling PER JAAR:\",0)","v":0}]
[null,"Scenario 1",null,null,"Scenario 1"]
[null,"Scenario 2 (omlijnde uitvoer)",null,null,"Scenario 2 (omlijnde uitvoer)"]
[null,"Scenario 3",null,null,"Scenario 3"]
[null,"Scenario 4",null,null,"Scenario 4"]
[null,"Scenario 5",null,null,"Scenario 5"]
[null,"Wekeneis en jareneis",2,null,"Wekeneis en jareneis",{"$f":"IF(AlgemeenOUD!C7<3,0,2)","v":0}]
[null,"Wekeneis: relatie heeft in de afgelopen 36 weken minimaal 26 weken gewerkt. Jareneis: relatie heeft in de afgelopen 5 jaar tenminste 4 jaar minimaal 52 dagen in dat jaar gewerkt."]
[null,"Hoeveel jaar gewerkt vanaf 01-01-1998 tot 01-01-2013",15,null,"Hoeveel jaar gewerkt vanaf 01-01-1998 tot 01-01-2013",{"$f":"IF(AlgemeenOUD!C7<3,0,15)","v":0}]
[]
[null,{"$f":"IF(leeftijd1=0,\"Geboortedatum is niet ingevoerd, premie wordt niet juist berekend!\",0)","v":"Geboortedatum is niet ingevoerd, premie wordt niet juist berekend!"},null,null,{"$f":"IF(AND(AlgemeenOUD!C7=3,leeftijd2=0),\"Geboortedatum is niet ingevoerd, premie wordt niet juist berekend!\",0)","v":0}]
[null,{"$f":"COUNTIF(D:D,\"*\")","v":5}]
[null,{"$f":"IF(AlgemeenOUD!C9>59,\"Geen dekking mogelijk, u bent ouder dan 59 jaar\",\"Premie pm voor 1e aanvrager 30 % terugval:\")","v":"Premie pm voor 1e aanvrager 30 % terugval:"},null,null,{"$f":"IF(AlgemeenOUD!F9>57,\"Geen dekking mogelijk, u bent ouder dan 57 jaar\",\"Premie pm voor 2e aanvrager 30 % terugval:\")","v":"Premie pm voor 2e aanvrager 30 % terugval:"},null,null,{"$f":"IF(C38=\"Callas\",1,2)","v":1},null,null,null,null,null,"IB",{"$f":"'Voorstel HOR'!G29","v":0.36969999999999997},"Teruggave"]
[null,"PREMIE Dekking AO",{"$f":"IF(OR(leeftijd1>59,Algemeen!E$15=0,D30=\"*\"),\"X\",INDEX(AOWW_resdata,1,AOWW_selindex))","v":"X"},null,"PREMIE Dekking AO",{"$f":"IF(OR(leeftijd2>59,Algemeen!M$15=0,G30=\"*\"),\"X\",INDEX(AOWW_resdata,1,AOWW_selindex+2))","v":"X"},null,{"$f":"Callas!$E$83","v":2.3430216335432039},{"$f":"'MLB1'!$R$6","v":36.92},{"$f":"Callas!$T$83","v":0},{"$f":"'MLB2'!$R$6","v":33.57},null,"AO",{"$f":"C28","v":"X"},{"$f":"F28","v":"X"},{"$f":"Callas!M83","v":0}]
[null,"PREMIE Dekking WW",{"$f":"IF(OR(leeftijd1>59,Algemeen!E$15=0,D31=\"*\"),\"X\",INDEX(AOWW_resdata,2,AOWW_selindex))","v":"X"},null,"PREMIE Dekking WW",{"$f":"IF(OR(leeftijd2>59,Algemeen!M$15=0,G31=\"*\"),\"X\",INDEX(AOWW_resdata,2,AOWW_selindex+2))","v":"X"},null,{"$f":"Callas!$F$83","v":0.30198616145679597},{"$f":"'MLB1'!$R$7","v":23.01},{"$f":"Callas!U$83","v":0},{"$f":"'MLB2'!$R$7","v":15.63},null,null,{"$f":"C29","v":"X"},{"$f":"F29","v":"X"}]
[null,"Te verzekeren AO",{"$f":"IF(AlgemeenOUD!C9>59,0,ROUND('AO uitvoer'!C46,0))","v":0},{"$f":"IF(C30<AOWW_mindek,\"*\",0)","v":"*"},"Te verzekeren AO",{"$f":"IF(leeftijd2>59,0,ROUND('AO uitvoer'!E46,0))","v":0},{"$f":"IF(F30<AOWW_mindek,\"*\",0)","v":"*"},null,null,null,null,1000]
[null,"Te verzekeren WW",{"$f":"IF(AlgemeenOUD!C9>59,0,ROUND('WW uitvoer'!C29,0))","v":0},{"$f":"IF(C31<AOWW_mindek,\"*\",0)","v":"*"},"Te verzekeren WW",{"$f":"IF(leeftijd2>59,0,ROUND('WW uitvoer'!E29,0))","v":0},{"$f":"IF(F31<AOWW_mindek,\"*\",0)","v":"*"},null,null,null,null,1500]
[null,{"$f":"IF('AO uitvoer'!H50>0.95,\"Hypotheeksom > 95% t.o.v. verantwoord\",\"Premie pm voor 1e aanvrager GEDRAGSCODE:\")","v":"Hypotheeksom > 95% t.o.v. verantwoord"},null,null,{"$f":"IF('AO uitvoer'!H50>0.95,\"Hypotheek > 95% t.o.v. verantwoord\",\"Premie pm voor 2e aanvrager GEDRAGSCODE:\")","v":"Hypotheek > 95% t.o.v. verantwoord"},null,null,null,null,null,null,2000]
[null,{"$f":"IF('AO uitvoer'!H50>0.95,\"Hypotheek > 95% t.o.v. verantwoord\",\"PREMIE Dekking AO\")","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(C35=\"X\",\"\",IF(OR(leeftijd1>59,Algemeen!E$15=0,D35=\"*\"),0,INDEX(AOWW_resdata2,1,AOWW_selindex)))","v":0},null,{"$f":"B33","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(F35=\"x\",\"\",IF(OR(leeftijd2>59,Algemeen!M$15=0,G35=\"*\"),\"X\",INDEX(AOWW_resdata2,1,AOWW_selindex+2)))","v":"X"},null,{"$f":"Callas!$E$90","v":2.3430216335432039},{"$f":"MLB1norm!$R$6","v":19.64},{"$f":"Callas!$T$90","v":0},{"$f":"MLB2norm!$R$6","v":{"$error":"#N/A"}},2500,"AO",{"$f":"IF(C33=\"X\",0,C33)","v":0},{"$f":"IF(F33=\"X\",0,F33)","v":0},{"$f":"IF('AO uitvoer'!H50>0.95,0,N33*O27)","v":0},{"$f":"O33*O27","v":0}]
[null,{"$f":"IF('AO uitvoer'!H50>0.95,\"Hypotheek > 95% t.o.v. verantwoord\",\"PREMIE Dekking WW\")","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(C36=\"x\",\"\",IF(OR(leeftijd1>59,Algemeen!E$15=0,D36=\"*\"),\"X\",INDEX(AOWW_resdata2,2,AOWW_selindex)))","v":"X"},null,{"$f":"B34","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(F36=\"X\",\"\",IF(OR(leeftijd2>59,Algemeen!M$15=0,G36=\"*\"),\"X\",INDEX(AOWW_resdata2,2,AOWW_selindex+2)))","v":"X"},null,{"$f":"Callas!$F$90","v":0.30198616145679597},{"$f":"MLB1norm!$R$7","v":11.64},{"$f":"Callas!U$90","v":0},{"$f":"MLB2norm!$R$7","v":{"$error":"#N/A"}},null,null,{"$f":"IF(C34=\"X\",0,C34)","v":0},{"$f":"IF(F34=\"X\",0,F34)","v":0}]
[null,{"$f":"IF(D35=\"*\",\"Minimale AO dekking is € \"&AOWW_mindek&\"\",\"Te verzekeren AO\")","v":"Minimale AO dekking is € 125"},{"$f":"IF('AO uitvoer'!H50>0.95,0,IF(OR(AlgemeenOUD!C10=\" \",AlgemeenOUD!F35=0),0,'AO uitvoer'!C65))","v":0},{"$f":"IF(C35<AOWW_mindek,\"*\",0)","v":"*"},{"$f":"IF(G35=\"*\",\"Minimale AO dekking is € \"&AOWW_mindek&\"\",\"Te verzekeren AO\")","v":"Minimale AO dekking is € 125"},{"$f":"IF('AO uitvoer'!H50>0.95,0,IF(OR(AlgemeenOUD!C10=0,AlgemeenOUD!F35=0),0,'AO uitvoer'!E65))","v":0},{"$f":"IF(F35<AOWW_mindek,\"*\",0)","v":"*"},null,null,null,null,null,null,null,"SSOM",{"$f":"SUM(P28:Q34)","v":0}]
[null,{"$f":"IF(D36=\"*\",\"Minimale WW dekking is € \"&AOWW_mindek&\"\",\"Te verzekeren WW\")","v":"Minimale WW dekking is € 125"},{"$f":"IF('AO uitvoer'!H50>0.95,0,IF(OR(AlgemeenOUD!C10=\" \",AlgemeenOUD!F35=0),0,'WW uitvoer'!C47))","v":0},{"$f":"IF(C36<AOWW_mindek,\"*\",0)","v":"*"},{"$f":"IF(G36=\"*\",\"Minimale WW dekking is € \"&AOWW_mindek&\"\",\"Te verzekeren WW\")","v":"Minimale WW dekking is € 125"},{"$f":"IF('AO uitvoer'!H50>0.95,0,IF(OR(AlgemeenOUD!C10=0,AlgemeenOUD!F35=0),0,'WW uitvoer'!E47))","v":0},{"$f":"IF(F36<AOWW_mindek,\"*\",0)","v":"*"}]
[null,"Max. uitkering = >",2500]
[null,"Dekking via","Callas"]
[null,true,null,null,null,null,null,{"$f":"IF(AOWW_selindex=2,150,125)","v":125}]
[null,"Bruto maandlast (aan te passen)",{"$f":"'Vrije Keuze'!P42","v":14.5},{"$f":"IF(C40<AOWW_mindek,\"*\",0)","v":"*"},"Bruto maandlast (aan te passen)",{"$f":"C40","v":14.5},{"$f":"IF(F40<AOWW_mindek,\"*\",0)","v":"*"},{"$f":"'Callas handmatig'!$E$83","v":4.1080859000259107},{"$f":"MLB1man!$R$6","v":23.29},{"$f":"'Callas handmatig'!$T$83","v":4.0877041061060968},{"$f":"MLB2man!$R$6","v":{"$error":"#N/A"}}]
[null,"Netto maandlast (aan te passen)",{"$f":"'Vrije Keuze'!Q42:R42","v":14.5},0,"Netto maandlast (aan te passen)",{"$f":"C41","v":14.5}]
[null,"Premie AO",{"$f":"Callas!N140","v":-0.23988800000000007},null,"Premie AO",{"$f":"Callas!AC140","v":0},null,{"$f":"'Callas handmatig'!$F$83","v":2.2370208949461264E-5},{"$f":"MLB1man!$R$7","v":10.41},{"$f":"'Callas handmatig'!U$83","v":1.4683137208111647E-6},{"$f":"MLB2man!$R$7","v":{"$error":"#N/A"}}]
[null,"Premie WW",{"$f":"Callas!F178","v":1.7991620185616997E-2},null,"Premie WW",{"$f":"Callas!U178","v":4.5185693667393525E-3},null,{"$f":"C40+leeftijd1/100","v":14.5},500.4,{"$f":"(H43<>I43)*1","v":1},{"$f":"+F40+leeftijd2/100","v":14.49},154.4,{"$f":"(K43<>L43)*1","v":1}]
[null,null,null,null,null,null,null,{"$f":"+C43+leeftijd1/100","v":1.7991620185616997E-2},313.39999999999998,{"$f":"(H44<>I44)*1","v":1},{"$f":"+F43+leeftijd2/100","v":-5.4814306332606477E-3},125.4,{"$f":"(K44<>L44)*1","v":1}]
[null,"Let op: als 1 van beiden jonger is dan is de looptijd dus langer en kan de premie derhalve hoger zijn. ",null,null,null,null,null,null,null,{"$f":"J44+J43","v":2},null,null,{"$f":"M44+M43","v":2}]
[]
[null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C7=3,OR(C36<125,C35<125,F35<125,F36<125,C30<125,C31<125,F30<125,F31<125),IF(leeftijd1=1,OR('AO en WW'!C30<125,'AO en WW'!C31<125,'AO en WW'!C35<125,'AO en WW'!C36<125)))/0","v":{"$error":"#DIV/0!"}}]
[null,false,{"$f":"AND(AOWW_p1ok>0,AOWW_p1min=1)","v":false},{"$f":"(COUNTIF(D40:D44,\"*\")=0)*1","v":0},null,null,{"$f":"(COUNTIF(G40:G44,\"*\")=0)*1","v":0}]
[null,null,{"$f":"AND(AOWW_p2OK>0,AOWW_p2min=1)","v":false}]
[null,null,{"$f":"OR(C48,C49)","v":false}]
[null,null,{"$f":"IF(C50,\"Haal premie(s) op\",\"\")","v":""}]
[null,98,1]
[null,{"$f":"B52+1","v":99},{"$f":"C52+1","v":2}]
[null,{"$f":"B53+1","v":100},{"$f":"C53+1","v":3}]
[null,101,4]
[null,102,5]
[null,103,6]
[null,104,7]
[null,105,8]
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[null,107,10]
[null,108,11]
[null,109,12]
[null,110,13]
[null,111,14]
[null,112,15]
[null,113,16]

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[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"V1","V2","V3","N1","N2","N3"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ASR",1,"ASR test 1","ASR test 2","ASR test 3","ASR test 4","ASR test 5","ASR test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Abn/Amro",{"$f":"AD5+1","v":2},"Abn/Amro test 1","Abn/Amro test 2","Abn/Amro test 3","Abn/Amro test 4","Abn/Amro test 5","Abn/Amro test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Alllianz",{"$f":"AD6+1","v":3},"Allianz test 1 ","Allianz test 2","Allianz test 3","Allianz test 4","Allianz test 5","Allianz test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BLG",4,"BLG test 1","BLG test 2","BLG test 3","BLG test 4","BLG test 5","BLG test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aegon",5,"Aegon test 1","Aegon test 2","Aegon test 3","Aegon test 4","Aegon test 5","Aegon test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Argenta",6,"Argenta test 1","Argenta test 2","Argenta test 3","Argenta test 4","Argenta test 5","Argenta test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Attens",7,"Attens test 1","Attens test 2","Attens test 3","Attens test 4","Attens test 5","Attens test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BijBouwe",8,"BijBouwe test 1","BijBouwe test 2","BijBouwe test 3","BijBouwe test 4","BijBouwe test 5","BijBouwe test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Centraal Beheer",9,"Centraal Beheer test 1","Centraal Beheer test 2","Centraal Beheer test 3","Centraal Beheer test 4","Centraal Beheer test 5","Centraal Beheer test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Delta Lloyd",10,"Delta Lloyd test 1","Delta Lloyd test 2","Delta Lloyd test 3","Delta Lloyd test 4","Delta Lloyd test 5","Delta Lloyd test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Florius",11,"Florius test 1","Florius test 2","Florius test 3","Florius test 4","Florius test 5","Florius test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ING",12,"ING test 1","ING test 2","ING test 3","ING test 4","ING test 5","ING test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IQWOON",13,"IQWOON test 1","IQWOON test 2","IQWOON test 3","IQWOON test 4","IQWOON test 5","IQWOON test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lloyds",14,"Lloyds test 1","Lloyds test 2","Lloyds test 3","Lloyds test 4","Lloyds test 5","Lloyds test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NIBC",15,"NIBC test 1","NIBC test 2","NIBC test 3","NIBC test 4","NIBC test 5","NIBC test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kies hier de banken die u wilt tonen",null,null,null,null,null,null,null,null,null,null,null,null,null,"Merius",16,"Merius test 1","Merius test 2","Merius test 3","Merius test 4","Merius test 5","Merius test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Bank 1",{"$f":"MATCH(INDEX(Ropsl_banken,P21),Banklogos!A:A,)","v":39},12,null,null,null,null,null,null,null,null,null,null,null,null,"Munt",17,"Munt test 1","Munt test 2","Munt test 3","Munt test 4","Munt test 5","Munt test 6"]
["Pluspunten",null,{"$f":"VLOOKUP(P21,AD5:AJ27,2,FALSE)","v":"ING test 1"},null,null,null,null,null,{"$f":"VLOOKUP(P$22,AD$5:AJ$27,2,FALSE)","v":"Florius test 1"},null,null,null,null,"Bank 2",{"$f":"MATCH(INDEX(Ropsl_banken,P22),Banklogos!A:A,)","v":10},11,null,null,null,null,null,null,null,null,null,null,null,null,"Nationale Nederlanden",18,"Nationale Nederlanden test 1","Nationale Nederlanden test 2","Nationale Nederlanden test 3","Nationale Nederlanden test 4","Nationale Nederlanden test 5","Nationale Nederlanden test 6"]
[null,null,{"$f":"VLOOKUP(P21,AD5:AJ27,3,FALSE)","v":"ING test 2"},null,null,null,null,null,{"$f":"VLOOKUP(P$22,AD$5:AJ$27,3,FALSE)","v":"Florius test 2"},null,null,null,null,"Bank 3",{"$f":"MATCH(INDEX(Ropsl_banken,P23),Banklogos!A:A,)","v":39},12,null,null,null,null,null,null,null,null,null,null,null,null,"Obvion",19,"Obvion test 1","Obvion test 2","Obvion test 3","Obvion test 4","Obvion test 5","Obvion test 6"]
[null,null,{"$f":"VLOOKUP(P21,AD5:AJ27,4,FALSE)","v":"ING test 3"},null,null,null,null,null,{"$f":"VLOOKUP(P$22,AD$5:AJ$27,4,FALSE)","v":"Florius test 3"},null,null,null,null,"Bank 4",{"$f":"MATCH(INDEX(Ropsl_banken,P24),Banklogos!A:A,)","v":30},15,null,null,null,null,null,null,null,null,null,null,null,null,"Rabobank",20,"Rabobank test 1","Rabobank test 2","Rabobank test 3","Rabobank test 4","Rabobank test 5","Rabobank test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Bank 5",{"$f":"MATCH(INDEX(Ropsl_banken,P25),Banklogos!A:A,)","v":32},17,null,null,null,null,null,null,null,null,null,null,null,null,"Syntrus Achmea",21,"Syntrus Achmea test 1","Syntrus Achmea test 2","Syntrus Achmea test 3","Syntrus Achmea test 4","Syntrus Achmea test 5","Syntrus Achmea test 6"]
["Minpunten",null,{"$f":"VLOOKUP(P21,AD5:AJ27,5,FALSE)","v":"ING test 4"},null,null,null,null,null,{"$f":"VLOOKUP(P$22,AD$5:AJ$27,5,FALSE)","v":"Florius test 4"},null,null,null,null,"Bank 6",{"$f":"MATCH(INDEX(Ropsl_banken,P26),Banklogos!A:A,)","v":41},10,null,null,null,null,null,null,null,null,null,null,null,null,"Tellius",22,"Tellius test 1","Tellius test 2","Tellius test 3","Tellius test 4","Tellius test 5","Tellius test 6"]
[null,null,{"$f":"VLOOKUP(P21,AD5:AJ27,6,FALSE)","v":"ING test 5"},null,null,null,null,null,{"$f":"VLOOKUP(P$22,AD$5:AJ$27,6,FALSE)","v":"Florius test 5"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Venn",23,"Venn test 1","Venn test 2","Venn test 3","Venn test 4","Venn test 5","Venn test 6"]
[null,null,{"$f":"VLOOKUP(P21,AD5:AJ27,7,FALSE)","v":"ING test 6"},null,null,null,null,null,{"$f":"VLOOKUP(P$22,AD$5:AJ$27,7,FALSE)","v":"Florius test 6"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Woonfonds",24,"Woonfonds test 1","Woonfonds test 2","Woonfonds test 3","Woonfonds test 4","Woonfonds test 5","Woonfonds test 6"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25," test 2"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26," test 2"]
[]
[]
[]
[]
[]
[]
[]
[]
["Pluspunten",null,{"$f":"VLOOKUP(P$23,AD$5:AJ$27,2,FALSE)","v":"ING test 1"},null,null,null,null,null,{"$f":"VLOOKUP(P$24,AD$5:AJ$27,2,FALSE)","v":"NIBC test 1"}]
[null,null,{"$f":"VLOOKUP(P$23,AD$5:AJ$27,3,FALSE)","v":"ING test 2"},null,null,null,null,null,{"$f":"VLOOKUP(P$24,AD$5:AJ$27,3,FALSE)","v":"NIBC test 2"}]
[null,null,{"$f":"VLOOKUP(P$23,AD$5:AJ$27,4,FALSE)","v":"ING test 3"},null,null,null,null,null,{"$f":"VLOOKUP(P$24,AD$5:AJ$27,4,FALSE)","v":"NIBC test 3"}]
[]
["Minpunten",null,{"$f":"VLOOKUP(P$23,AD$5:AJ$27,5,FALSE)","v":"ING test 4"},null,null,null,null,null,{"$f":"VLOOKUP(P$24,AD$5:AJ$27,5,FALSE)","v":"NIBC test 4"}]
[null,null,{"$f":"VLOOKUP(P$23,AD$5:AJ$27,6,FALSE)","v":"ING test 5"},null,null,null,null,null,{"$f":"VLOOKUP(P$24,AD$5:AJ$27,6,FALSE)","v":"NIBC test 5"}]
[null,null,{"$f":"VLOOKUP(P$23,AD$5:AJ$27,7,FALSE)","v":"ING test 6"},null,null,null,null,null,{"$f":"VLOOKUP(P$24,AD$5:AJ$27,7,FALSE)","v":"NIBC test 6"}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Pluspunten"]
[]
[]
[]
["Minpunten"]

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[null,"Bepaling inkomen",null,null,null,{"$f":"INDIRECT(\"'Maximale verstrekking'!\"&$F$10&H1)","v":"2024"},"Jaar",{"$f":"ROW('Maximale verstrekking'!A29)","v":29},null,null,null,"Bepaling inkomen",null,null,null,{"$f":"INDIRECT(\"'Maximale verstrekking'!\"&P$10&H1)","v":"2024"},"Jaar",null,null,null,null,null,null,null,3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
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[null,"Verschil",null,{"$f":"+D2-F8","v":-9.9999999999999995E-7},null,{"$f":"INDIRECT(\"'Maximale verstrekking'!\"&$F$10&H3)","v":360},"Looptijd",{"$f":"ROW('Maximale verstrekking'!A16)","v":16},null,null,null,"Verschil",null,{"$f":"+N2-P8","v":-60128.714800106216},null,360,"Looptijd",null,null,{"$f":"Algemeen!E15","v":0},50000]
[null,"Hyp kosten",null,{"$f":"-PMT(F4/12,F3,D3)","v":-4.6595735099456133E-9},null,{"$f":"INDIRECT(\"'Maximale verstrekking'!\"&$F$10&H4)","v":3.799999999999825E-2},"Perc",{"$f":"ROW('Maximale verstrekking'!A28)","v":28},null,null,null,"Hyp kosten",null,{"$f":"-PMT(P4/12,P3,N3)","v":-280.17416666964965},null,3.799999999999825E-2,"Perc",null,null,{"$f":"+Algemeen!M15","v":0},0]
[null,"Per jaar",null,{"$f":"+D4*12","v":-5.5914882119347356E-8},null,{"$f":"INDIRECT(\"'Maximale verstrekking'!\"&$F$10&H5)","v":0},"toetsink",{"$f":"ROW('Maximale verstrekking'!A26)","v":26},null,null,null,"Per jaar",null,{"$f":"+N4*12","v":-3362.090000035796},null,19777,"toetsink",null,null,{"$f":"F1","v":"2024"},"2024"]
[null,"Maal quote",null,{"$f":"+D5/F7","v":-3.2891107129027853E-7},"v-Aanpas",null,"verschil",{"$f":"ROW('Maximale verstrekking'!A19)","v":19},null,null,null,"Maal quote",null,{"$f":"+N5/P7","v":-19777.000000210563},null,0,"verschil"]
[null,"Inkomen totaal",null,{"$f":"+D6+F5+hik_aanpas1","v":-8130.0000003289115},-8130,{"$f":"INDIRECT(\"'Maximale verstrekking'!\"&$F$10&H7)","v":0.17},"quote",{"$f":"ROW('Maximale verstrekking'!A33)","v":33},null,null,null,"Inkomen totaal",null,{"$f":"+N6+P5+hik_aanpas2","v":-2.1056257537566125E-7},0,0.17,"quote"]
[null,"Opnieuw",null,{"$f":"'Maximale verstrekking'!I56","v":0},null,{"$f":"INDIRECT(\"'Maximale verstrekking'!\"&$F$10&H8)","v":0},"hypotheek",{"$f":"ROW('Maximale verstrekking'!A56)","v":56},null,null,null,null,null,{"$f":"'Maximale verstrekking'!K56","v":0},null,60128.714799106216,"hypotheek"]
[null,"Verschil hypo",null,{"$f":"ROUND(D8-D2,0)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(N8-N2,0)","v":0}]
[null,null,null,null,null,"H","Kolom in maxverstrek",null,null,null,null,null,null,null,null,"J","Kolom in maxverstrek"]
[]
[null,"Inkomen correct",null,69992.502900000007,null,null,null,null,null,null,null,"Inkomen correct",null,74725.872300000003]

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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Krediet 1","Krediet 2"]
[]
[]
[null,"Naam 1e aanvrager",null,null,{"$f":"Algemeen!E6&\"\"","v":""},null,null,null,null,"Naam 2e aanvrager",null,null,{"$f":"Algemeen!M6&\"\"","v":"0"},null,null,null,null,null,null,null,null,"PL ",1,{"$f":"IF(AND(#REF!=1,#REF!>0,#REF!>0),PMT(#REF!/12,#REF!*12,-K39),0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(#REF!=1,#REF!>0,#REF!>0),PMT(#REF!/12,#REF!*12,-Q39),0)","v":{"$error":"#REF!"}}]
[null,"Geboortedatum ",null,null,{"$f":"Algemeen!E7","v":"00:00:00"},null,null,null,null,"Geboortedatum",null,null,{"$f":"Algemeen!M7","v":"00:00:00"},null,null,null,null,null,null,null,null,"Rentekrediet",2,{"$f":"K39*(#REF!/12)","v":{"$error":"#REF!"}},{"$f":"Q39*(#REF!/12)","v":{"$error":"#REF!"}}]
[null,null,null,null,{"$f":"Algemeen!E8","v":"0 jaar"},null,null,null,null,null,null,{"$f":"IF(D9<2,-1,IF(M7=0,0,TRUNC((TODAY()-M7)/365.25)))","v":-1},{"$f":"Algemeen!M8","v":"-1 jaar"},null,null,null,null,null,null,null,null,"DK 1%",3,{"$f":"K39*1%","v":0},{"$f":"Q39*1%","v":0}]
[{"$f":"AlgemeenOUD!C64","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DK 1,5%",4,{"$f":"K39*1.5%","v":0},{"$f":"Q39*1.5%","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DK 2%",5,{"$f":"K39*2%","v":0},{"$f":"Q39*2%","v":0}]
[]
[null,"Burgerlijke status",null,null,"Alleenstaand"]
[]
[null,"Huige woonsituatie"]
[]
[null,"Beroep",null,null,null,null,null,null,null,"Beroep"]
[null,"Dienstverband",null,null,null,null,null,null,null,"Dienstverband"]
[]
[]
[]
[null,{"$f":"\"Nabestaande voorziening voor partner (\"&M6&\")\"","v":"Nabestaande voorziening voor partner (0)"},null,null,null,null,null,null,null,{"$f":"\"Nabestaande voorziening voor partner (\"&E6&\")\"","v":"Nabestaande voorziening voor partner ()"}]
[]
[null,"Nabestaanden pensioen",null,null,null,null,null,null,null,"Nabestaanden pensioen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,2]
[null,"Indicatief NP",null,null,null,null,null,null,null,"Indicatief NP"]
[null,"NP vanaf AOW datum TOTAAL",null,null,null,null,null,null,null,"NP vanaf AOW datum TOTAAL"]
[null,"ANW regeling",null,null,null,null,null,null,null,"ANW regeling"]
[null,"Compensatie sociale premies",null,null,null,null,null,null,null,"Compensatie sociale premies",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"eerste",{"$f":"IF(OR(E52=\"Eerste aanvrager\",E52=\" \"),E43,IF(E52=\"Tweede aanvrager\",0,IF(E52=\"Beiden\",E43)))","v":false}]
[]
[null,"Tot welke leeftijd Wzp?",null,null,null,null,null,null,null,"Tot welke leeftijd Wzp?"]
[null,"Wzp per jaar per kind",null,null,null,null,null,null,null,"Wzp per kind pj tot 18e"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"tweede",null,{"$f":"IF(E52=\"Eerste aanvrager\",0,IF(E52=\"Tweede aanvrager\",E43,IF(E52=\"Beiden\",E43)))","v":false}]
[null,{"$f":"IF(B102=1,\"1e aanvrager recht op ANW?\",\"U hebt recht op ANW\")","v":"1e aanvrager recht op ANW?"},null,null,"Nee",{"$f":"\"      (dropdown)\"","v":"      (dropdown)"},null,null,null,{"$f":"IF(B103=1,\"2e aanvrager recht op ANW?\",\"U hebt recht op ANW\")","v":"2e aanvrager recht op ANW?"},null,null,"Nee ",{"$f":"\"      (dropdown)\"","v":"      (dropdown)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"eerste",{"$f":"IF(OR(M52=\"Eerste aanvrager\",M52=\"\"),M43,IF(M52=\"Tweede aanvrager\",0,IF(M52=\"Beiden\",M43)))","v":0}]
[null,"Inkomen bij overlijden partner",null,null,{"$f":"OverlijdenOUD!C15","v":0},null,null,null,null,"Inkomen bij overlijden partner",null,null,{"$f":"OverlijdenOUD!F15","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"tweede",null,{"$f":"IF(M52=\"Eerste aanvrager\",0,IF(M52=\"Tweede aanvrager\",M43,IF(M52=\"Beiden\",M43)))","v":false}]
[null,"Dan is maximale hypotheek",null,null,{"$f":"OverlijdenOUD!C16","v":0},null,null,null,null,"Dan is maximale hypotheek",null,null,{"$f":"OverlijdenOUD!F16","v":0}]
[null,"Hoogte hypotheeksom",null,null,{"$f":"OverlijdenOUD!F18","v":0},null,null,null,null,"Hoogte hypotheeksom",null,null,{"$f":"E36","v":0}]
[null,"Adviesdekking op leven partner",null,null,{"$f":"OverlijdenOUD!C19","v":"Geen aanvullend advies"},null,null,null,null,"Adviesdekking op leven partner",null,null,{"$f":"IF(OverlijdenOUD!F19=0,\"Geen aanvulling nodig\",OverlijdenOUD!F19)","v":"Geen aanvullend advies"},null,null,null,null,null,null,null,1,"PL ","A","Annuïteit",1]
[]
[null,"Premie adviesdekking partner",null,null,null,null,null,null,null,"Premie adviesdekking partner",null,null,null,null,null,null,null,null,null,null,2,"Rentekrediet",null,"Lineair",2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"DK 1%","D","Aflosvrij",3]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tabel hieronder"]
[null,{"$f":"IF(AlgemeenOUD!C7=1,\"Dekking overlijden\",\"Werkelijke dekking\")","v":"Dekking overlijden"},null,null,null,null,null,null,null,"Dekking",null,null,null,null,null,null,null,null,null,null,null,{"$f":"E43","v":0},null,{"$f":"(V43<>W43)*1","v":0},{"$f":"M43","v":0},null,{"$f":"(Y43<>Z43)*1","v":0}]
[null,{"$f":"IF(AlgemeenOUD!C7=1,\"Premie per maand\",\"Werkelijke premie pm\")","v":"Premie per maand"},null,null,null,null,null,null,null,"Premie pm",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(AM44,AN110:AO125,2)","v":18},4,null,{"$f":"VLOOKUP(AP44,AN110:AO125,2)","v":0},1]
[null,"Soort dekking (dropdown)",null,null,null,null,null,null,null,"Soort dekking (dropdown)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"E45","v":0},null,{"$f":"(V45<>W45)*1","v":0},{"$f":"M45","v":0},null,{"$f":"(Y45<>Z45)*1","v":0}]
[null,"Werkelijke dekking",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0]
[null,"Werkelijke premie",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0]
[null,"Maatschappij (dropdown)",null,null,null,null,null,null,null,"Maatschappij (dropdown)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"Wzp per kind pj tot \"&AL44&\"e\"","v":"Wzp per kind pj tot 18e"},null,null,{"$f":"\"Wzp per kind pj tot \"&AO44&\"e\"","v":"Wzp per kind pj tot 0e"}]
[null,"Looptijd in jaren",null,null,null,null,null,null,null,"Looptijd in jaren",null,null,null,null,null,null,null,null,null,null,null,{"$f":"E49","v":0},null,0,{"$f":"M49","v":0},null,0]
[null,{"$f":"IF(E50>E49,\"Looptijd korter dan premieduur\",\"Premiebetaling in jaren\")","v":"Premiebetaling in jaren"},null,null,null,null,null,null,null,"Premieduur in jaren"]
[null,"Dalingspercentage",null,null,null,null,null,null,null,"Dalingspercentage",null,null,null,null,null,null,null,null,null,null,null,{"$f":"E51","v":0},null,0,{"$f":"M51","v":0},null,0]
[null,"Verzekerde (dropdown)",null,null,null,null,null,null,null,"Verzekerde (dropdown)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"[4]ORV_data1!H18","v":{"$error":"#REF!"}},null,{"$error":"#REF!"},{"$f":"[4]ORV_data2!H18","v":{"$error":"#REF!"}},null,{"$error":"#REF!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(INDEX($V$58:$X$58,V52),1)","v":1},null,1,{"$f":"IFERROR(INDEX($V$58:$X$58,Y52),1)","v":1},null,1]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(X43:X53)","v":{"$error":"#REF!"}},null,null,{"$f":"SUM(AA43:AA53)","v":{"$error":"#REF!"}}]
[null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"\"\"errors\"\"\",[4]ORV_data1!J:J,)),\"\",\"Interne fout bij ophalen gegevens, stuur deze versie AUB op naar Calfin!\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"\"\"errors\"\"\",[4]ORV_data2!J:J,)),\"\",\"Interne fout bij ophalen gegevens, stuur deze versie AUB op naar Calfin!\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rokerdata"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W58+X58*2","v":{"$error":"#NAME?"}},{"$f":"is_roker1*1","v":{"$error":"#NAME?"}},{"$f":"is_roker2*1","v":{"$error":"#NAME?"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"gegevens ingevuld"]
[null,null,null,"leeftijd < 85"]
[null,null,null,"alles OK?"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["aow zelf 1",false]
["Jaren korting",false]
[]
["aow zelf 2",false]
["Jaren korting",false]
[]
[]
[]
["Dropdown/Chekcbox gegevens"]
[]
["anw 1e",{"$f":"VLOOKUP(E32,E103:F104,2,FALSE)","v":1}]
["anw 2e",{"$f":"VLOOKUP(M32,Overlijden!E106:F107,2,FALSE)","v":1},null,null,"Nee",1]
[null,null,null,null,"Ja",2]
["Code verzekering",{"$f":"IF(E45=0,,VLOOKUP(E45,Gegevens!B295:C297,2,FALSE))","v":0}]
[null,null,null,null,"Nee ",1]
["1e verzekering",false,null,null,"Ja",2]
[{"$f":"IF(B107=FALSE,\"Verzekering toevoegen\",\"Vul de gegevens in: \")","v":"Verzekering toevoegen"}]
["2e verzekering",false]
[{"$f":"IF(B109=FALSE,\"Verzekering toevoegen\",\"Vul de gegevens in:\")","v":"Verzekering toevoegen"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN110+1","v":2},16]
["Verzekerd",{"$f":"IF(M44=0,0,VLOOKUP(M44,OverlijdenOUD!AP15:AQ17,2,FALSE))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN111+1","v":3},17]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,18]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,19]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,20]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,21]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,22]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,23]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,24]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,26]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13,27]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,28]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,29]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,30]

{"sheet":"ORV advies","index":66,"n_rows":52,"n_cols":16,"rows_kept":52,"cut":false,"hidden":true,"merged":[[42,3,42,4],[44,3,44,4],[41,3,41,4],[35,3,35,4],[36,3,36,4],[38,3,38,4],[0,0,0,4],[4,0,4,1],[4,3,4,4],[19,0,19,4],[40,3,40,4],[33,3,33,4],[37,3,37,4],[39,3,39,4],[17,0,17,4],[51,3,51,4],[50,3,50,4],[46,3,46,4],[47,3,47,4],[48,3,48,4],[49,3,49,4]]}
[]
[]
[]
[]
[{"$f":"IF(Algemeen!AL7=1,AlgemeenOUD!D7,AlgemeenOUD!C6)","v":" (0)"},null,null,{"$f":"IF(Algemeen!AL7=1,AlgemeenOUD!G7,AlgemeenOUD!F6)","v":"0 (-1)"}]
[{"$f":"IF(leeftijd1>66,\"Totaal pensioen per jaar\",\"Totaal inkomen per jaar\")","v":"Totaal inkomen per jaar"},{"$f":"IF(leeftijd1>66,(Pensioen!E25+Pensioen!E26+Pensioen!E27+Pensioen!E28),AlgemeenOUD!C10+AlgemeenOUD!C12)","v":0}," ",{"$f":"IF(leeftijd2>66,\"Totaal pensioen per jaar\",\"Totaal inkomen per jaar\")","v":"Totaal inkomen per jaar"},{"$f":"IF(leeftijd2>66,(Pensioen!M25+Pensioen!M26+Pensioen!M27+Pensioen!M28),AlgemeenOUD!F10+AlgemeenOUD!F12)","v":0}]
[{"$f":"IF(leeftijd1>66,\"AOW alleenstaande\",\"AO/WW-inkomen\")","v":"AO/WW-inkomen"},{"$f":"IF(leeftijd1>66,'Financiële Gegevens'!B12,AlgemeenOUD!C11)","v":0},null,{"$f":"IF(leeftijd2>66,\"AOW alleenstaande\",\"AO/WW-inkomen\")","v":"AO/WW-inkomen"},{"$f":"IF(leeftijd2>66,'Financiële Gegevens'!B12,AlgemeenOUD!F11)","v":0}]
["Wettelijke ANW (tot AOW)",{"$f":"MIN(Gegevens!A153,IF(OverlijdenOUD!C14>1,Gegevens!A148,0))","v":0},null,"Wettelijke ANW (tot AOW)",{"$f":"MIN(Gegevens!D153,IF(OverlijdenOUD!F14>1,Gegevens!D148,0))","v":0}]
["Nabestaanden pensioen",{"$f":"OverlijdenOUD!F9","v":0},null,"Nabestaanden pensioen",{"$f":"OverlijdenOUD!C9","v":0}]
["Nabestaanden pensioen indicatief",{"$f":"Overlijden!M24","v":0},null,"Nabestaanden pensioen indicatief",{"$f":"Overlijden!E24","v":0}]
["Aanvullende ANW-regeling (tot AOW)",{"$f":"OverlijdenOUD!F12","v":0},null,"Aanvullende ANW-regeling (tot AOW)",{"$f":"Overlijden!E26","v":0}]
["Compensatie sociale premies",{"$f":"OverlijdenOUD!F13","v":0},null,"Compensatie sociale premies",{"$f":"OverlijdenOUD!C13","v":0}]
[]
["Totaal bruto jaarinkomen:",{"$f":"SUM(B6:B12)","v":0},null,"Totaal bruto jaarinkomen:",{"$f":"SUM(E6:E12)","v":0}]
[{"$f":"IF(Overlijden!B102=2,\"U hebt recht op een ANW uitkering\",\" \")","v":" "},null,null,{"$f":"IF(Overlijden!B103=2,\"U hebt recht op een ANW uitkering\",\" \")","v":" "}]
["Nabestaandenpensioen vanaf AOW ",{"$f":"Overlijden!M25","v":0},null,"Nabestaandenpensioen vanaf AOW ",{"$f":"Overlijden!E25","v":0}]
[{"$f":"IF(Overlijden!M30>0,Overlijden!AO48,0)","v":0},{"$f":"Overlijden!M30","v":0},null,{"$f":"IF(Overlijden!E30>0,Overlijden!AL48,0)","v":0},{"$f":"Overlijden!E30","v":0},null,null,null,null,null,null,null,null,"Scheiding",false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O17=TRUE,\"Bij het nabestaanden pensioen is er geen rekening gehouden of een deel van de uitkering toekomt aan een ex partner.\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P17=TRUE,\"Bij het nabestaanden pensioen is er geen rekening gehouden of een deel van de uitkering toekomt aan een ex partner.\",\"\")","v":""}]
[]
[]
[{"$f":"AlgemeenOUD!C6","v":""},{"$f":"IF(leeftijd1>66,'Maximale verstrekking'!Q56,'Maximale verstrekking'!M56)","v":0},null,{"$f":"AlgemeenOUD!F6","v":0},{"$f":"IF(leeftijd2>66,'Maximale verstrekking'!R56,OverlijdenOUD!F16)","v":0}]
[{"$f":"IF(Alg_reden=\"2e hypotheek\",\"Totale som 1e en 2e hypotheek\",\"Hoogte NIEUWE hypotheek\")","v":"Hoogte NIEUWE hypotheek"},{"$f":"IF(Alg_reden=\"2e hypotheek\",alg_hypsom+Alg_schuld,OverlijdenOUD!C18)","v":0},null,{"$f":"IF(AlgemeenOUD!F6>\" \",\"Hoogte NIEUWE hypotheek\",\" \")","v":" "},{"$f":"IF(Alg_reden=\"2e hypotheek\",alg_hypsom+Alg_schuld,IF(leeftijd2>0,OverlijdenOUD!F18,\" \"))","v":" "}]
[]
[]
[{"$f":"IF(AlgemeenOUD!F6<\" \",\" \",\"Advies op leven \"&D22)","v":" "},{"$f":"IF(leeftijd2<0,\" \",IF('ORV advies'!B23<'ORV advies'!B22,\"Niet nodig\",'ORV advies'!B23-'ORV advies'!B22))","v":" "},null,{"$f":"IF(AlgemeenOUD!F6>\" \",\"Advies op leven \"&A22,\" \")","v":" "},{"$f":"IF(E23<E22,\"Niet nodig\",IF(AlgemeenOUD!F6<\" \",\" \",E23-E22))","v":" "}]
[{"$f":"IF(Overlijden!E39=0,\" \",IF(AlgemeenOUD!F6<\" \",\" \",\"Premie adviesdekking\"))","v":" "},{"$f":"IF(Overlijden!E39=0,0,IF(AlgemeenOUD!F6<0,0,IF(B23<B22,\"N.V.T.\",OverlijdenOUD!C20)))","v":0},null,{"$f":"IF(Overlijden!M39=0,\" \",IF(AlgemeenOUD!F6>\" \",\"Premie adviesdekking\",\" \"))","v":" "},{"$f":"IF(Overlijden!M39=0,0,IF(E23<E22,\"N.V.T.\",OverlijdenOUD!F20))","v":0}]
[]
[{"$f":"IF(OR(Overlijden!E39=0,Overlijden!M39=0),\" \",IF(AlgemeenOUD!F6<\" \",\" \",\"Totaalpremie\"))","v":" "},{"$f":"IF(AND(B27=\"N.V.T.\",E27=\"N.V.T.\"),\" \",IF(B27=\"N.V.T.\",E27,IF(E27=\"N.V.T.\",B27,B27+E27)))","v":0}]
[]
[]
[]
[]
[null,null,null,"Basis dekking"]
[]
["Soort dekking",null,null,{"$f":"IF(Overlijden!E45=\"Annuïtair dalend\",Overlijden!E45&\" \"&G36&\"%\",Overlijden!E45)","v":0},null,null,{"$f":"Overlijden!E51*100","v":0}]
["Hoogte dekking",null,null,{"$f":"Overlijden!E43","v":0}]
["Aantal jaar looptijd dekking",null,null,{"$f":"Overlijden!E49","v":0}]
["Aantal jaar premiebetaling",null,null,{"$f":"Overlijden!E50","v":0}]
["Premie pm",null,null,{"$f":"Overlijden!E44","v":0}]
["Dekking op naam van",null,null,{"$f":"Overlijden!E52","v":0}]
[]
[]
[]
[null,null,null,{"$f":"IF(Overlijden!M43>0,\"Aanvullende dekking\",0)","v":0}]
[]
["Soort dekking",null,null,{"$f":"IF(Overlijden!M45=\"Annuïtair dalend\",Overlijden!M45&\" \"&G47& \"%\",Overlijden!M45)","v":0},null,null,{"$f":"Overlijden!M51*100","v":0}]
["Hoogte dekking",null,null,{"$f":"OverlijdenOUD!C27","v":0}]
["Aantal jaar looptijd dekking",null,null,{"$f":"Overlijden!M49","v":0}]
["Aantal jaar premiebetaling",null,null,{"$f":"Overlijden!M50","v":0}]
["Premie pm",null,null,{"$f":"Overlijden!M44","v":0}]
["Dekking op naam van",null,null,{"$f":"Overlijden!M52","v":0}]

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[null,"\"claimDuration\":\"<d_dur>\",",null,null,null,"<d_dur>","INSURANCE_END_DATE","YEARS_2 | YEAR_5 | YEAR_10 | INSURANCE_END_DATE",null,"\"amount\"",36.92,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U12),$T$6,500),$T$4,\"\")&CHAR(10)&V11,V11)&\"\"","v":""}]
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[null,"\"paymentLevel\":\"<lev>\",",null,null,null,"<lev>","FULL","PRO_RATO | FULL",null,"\"endDate\"","2037-05-01",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U14),$T$6,500),$T$4,\"\")&CHAR(10)&V13,V13)&\"\"","v":""}]
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[null,null,"\"dateOfBirth\":\"<bdate>\",",null,null,"<bdate>",{"$f":"gebdat1","v":"00:00:00"},{"$f":"(+G9-G16)/365.25","v":154.83641341546885},null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U16),$T$6,500),$T$4,\"\")&CHAR(10)&V15,V15)&\"\"","v":""}]
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[",\"unemploymentCover\":{",null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U20),$T$6,500),$T$4,\"\")&CHAR(10)&V19,V19)&\"\"","v":""}]
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[null,"\"startDate\":\"<sdate>\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U22),$T$6,500),$T$4,\"\")&CHAR(10)&V21,V21)&\"\"","v":""}]
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["\"claimDuration\":\"<u_dur>\",",null,null,null,null,"<u_dur>","YEARS_1","YEARS_1 | YEARS_2",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U24),$T$6,500),$T$4,\"\")&CHAR(10)&V23,V23)&\"\"","v":""}]
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[null,null,"\"dateOfBirth\":\"<bdate>\","]
[null,null,"\"isSmoker\":<smoke>"]
[null,null,"}"]
[null,"}"]
["}"]
[null,null,null,null,null,"- Passende arbeid"]
[null,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,"- Geen indexatie"]

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[null,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,"- Geen indexatie"]

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["\"type\":\"CalculationMLB\",",null,null,null,null,null,null,{"$f":"MID(H1,H3,20)","v":"1\",\"isSmoker\":false}"}]
["\"productType\":\"MLB\",",null,null,null,null,null,null,385,null,"{\"success\"",false,null,"\"totalPremium\"",{"$f":"MATCH($M$3,OFFSET($J$1,N2,0,600,1),)+N2","v":{"$error":"#N/A"}},{"$f":"IFERROR(VALUE(INDEX($K:$K,$N3)),99999)","v":99999},null,{"$f":"MIN(O:O)","v":99999},null,null,"\"nl\"",{"$f":"MATCH($T$3,OFFSET($J$1,U2,0,600,1),)+U2","v":6},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U3),$T$6,500),$T$4,\"\")&CHAR(10)&V2,V2)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\n"}]
["\"dateOfCommencement\":\"<sdate>\",",null,null,null,null,"<sdate>",{"$f":"MLB1_sdate","v":"2024-11-01"},{"$f":"TODAY()","v":"2024-10-11"},{"$f":"IF(MONTH(H4)=12,1,MONTH(H4)+1)","v":11},"\"errors\"","[{errorCode:VALIDATION_FAILED",null,"\"amount\"",{"$f":"MATCH($M$3,OFFSET($J$1,N3,0,600,1),)+N3","v":{"$error":"#N/A"}},{"$f":"IFERROR(VALUE(INDEX($K:$K,$N4)),99999)","v":99999},null,{"$f":"INDEX(N:N,MATCH(Q3,O:O,))","v":{"$error":"#N/A"}},null,null,"Please see the server log to find more detail regarding exact cause of the failure.",{"$f":"MATCH($T$3,OFFSET($J$1,U3,0,600,1),)+U3","v":9},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U4),$T$6,500),$T$4,\"\")&CHAR(10)&V3,V3)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
["\"paymentMethod\":\"MONTHLY\",",null,null,null,null,null,null,null,null,"\"message\"","{en:Client received SOAP Fault from server: Verzekerd bedrag WW is minimaal 150.00 euro",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q4,0,600,1),)+Q4","v":{"$error":"#N/A"}},{"$f":"VALUE(INDEX(K:K,Q5))","v":{"$error":"#N/A"}},null,"Client received SOAP Fault from server:  ",{"$f":"MATCH($T$3,OFFSET($J$1,U4,0,600,1),)+U4","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U5),$T$6,500),$T$4,\"\")&CHAR(10)&V4,V4)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
["\"disabilityCover\":{",null,null,null,null,null,null,null,null,"\"nl\"","Client received SOAP Fault from server: Verzekerd bedrag WW is minimaal 150.00 euro",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q5,0,600,1),)+Q5","v":{"$error":"#N/A"}},{"$f":"VALUE(INDEX(K:K,Q6))","v":{"$error":"#N/A"}},null,{"$f":"LEN(T5)","v":41},{"$f":"MATCH($T$3,OFFSET($J$1,U5,0,600,1),)+U5","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U6),$T$6,500),$T$4,\"\")&CHAR(10)&V5,V5)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"sumAssured\":<d_sum>,",null,null,null,"<d_sum>",{"$f":"'AO en WW'!F40","v":14.5},600,null,"\"errorCode\"","VALIDATION_FAILED",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q6,0,600,1),)+Q6","v":{"$error":"#N/A"}},{"$f":"VALUE(INDEX(K:K,Q7))","v":{"$error":"#N/A"}},null,null,{"$f":"MATCH($T$3,OFFSET($J$1,U6,0,600,1),)+U6","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U7),$T$6,500),$T$4,\"\")&CHAR(10)&V6,V6)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"startDate\":\"<sdate>\",",null,null,null,null,null,null,null,"\"message\"","{en:Client received SOAP Fault from server: Verzekerd bedrag WW is minimaal 150.00 euro",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$f":"MATCH($T$3,OFFSET($J$1,U7,0,600,1),)+U7","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U8),$T$6,500),$T$4,\"\")&CHAR(10)&V7,V7)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"endDate\":\"<edate>\",",null,null,null,"<edate>",{"$f":"DATE(YEAR(G4)+H9,MONTH(G4),1)","v":"2054-11-01"},{"$f":"Callas!S23","v":30},null,"\"nl\"","Client received SOAP Fault from server: Verzekerd bedrag WW is minimaal 150.00 euro",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U9),$T$6,500),$T$4,\"\")&CHAR(10)&V8,V8)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"coverLimit\":\"PERCENTAGE_35\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U10),$T$6,500),$T$4,\"\")&CHAR(10)&V9,V9)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"claimAssessment\":\"<lab>\",",null,null,null,"<lab>","FITTING_LABOUR","OWN_LABOUR | FITTING_LABOUR",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U11),$T$6,500),$T$4,\"\")&CHAR(10)&V10,V10)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"claimDuration\":\"<d_dur>\",",null,null,null,"<d_dur>","INSURANCE_END_DATE","YEARS_2 | YEAR_5 | YEAR_10 | INSURANCE_END_DATE",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U12),$T$6,500),$T$4,\"\")&CHAR(10)&V11,V11)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"waitingPeriod\":\"<wait>\",",null,null,null,"<wait>","DAYS_365","DAYS_180 | DAYS_365 | DAYS_730",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U13),$T$6,500),$T$4,\"\")&CHAR(10)&V12,V12)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"paymentLevel\":\"<lev>\",",null,null,null,"<lev>","FULL","PRO_RATO | FULL",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U14),$T$6,500),$T$4,\"\")&CHAR(10)&V13,V13)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"insuredAttributes\":{",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U15),$T$6,500),$T$4,\"\")&CHAR(10)&V14,V14)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,null,"\"dateOfBirth\":\"<bdate>\",",null,null,"<bdate>",{"$f":"gebdat2","v":"00:00:00"},{"$f":"(+G9-G16)/365.25","v":154.83641341546885},null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U16),$T$6,500),$T$4,\"\")&CHAR(10)&V15,V15)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,null,"\"isSmoker\":<smoke>",null,null,"<smoke>",false,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U17),$T$6,500),$T$4,\"\")&CHAR(10)&V16,V16)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,null,"}",null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U18),$T$6,500),$T$4,\"\")&CHAR(10)&V17,V17)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"}",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U19),$T$6,500),$T$4,\"\")&CHAR(10)&V18,V18)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[",\"unemploymentCover\":{",null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U20),$T$6,500),$T$4,\"\")&CHAR(10)&V19,V19)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"sumAssured\":<u_sum>,",null,null,null,"<u_sum>",{"$f":"'AO en WW'!F43","v":4.5185693667393525E-3},367,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U21),$T$6,500),$T$4,\"\")&CHAR(10)&V20,V20)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"startDate\":\"<sdate>\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U22),$T$6,500),$T$4,\"\")&CHAR(10)&V21,V21)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"endDate\":\"<edate>\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U23),$T$6,500),$T$4,\"\")&CHAR(10)&V22,V22)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
["\"claimDuration\":\"<u_dur>\",",null,null,null,null,"<u_dur>","YEARS_1","YEARS_1 | YEARS_2",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U24),$T$6,500),$T$4,\"\")&CHAR(10)&V23,V23)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,"\"insuredAttributes\":{",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U25),$T$6,500),$T$4,\"\")&CHAR(10)&V24,V24)&\"\"","v":"Verzekerd bedrag WW is minimaal 150.00 euro\nVerzekerd bedrag WW is minimaal 150.00 euro\n"}]
[null,null,"\"dateOfBirth\":\"<bdate>\","]
[null,null,"\"isSmoker\":<smoke>"]
[null,null,"}"]
[null,"}"]
["}"]
[null,null,null,null,null,"- Passende arbeid"]
[null,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,"- Geen indexatie"]

{"sheet":"MLB1norm","index":71,"n_rows":34,"n_cols":256,"rows_kept":34,"cut":false,"hidden":true,"merged":[]}
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["\"type\":\"CalculationMLB\",",null,null,null,null,null,null,{"$f":"MID(H1,H3,20)","v":"1\",\"isSmoker\":false}"}]
["\"productType\":\"MLB\",",null,null,null,null,null,null,385,null,"{\"success\"",true,null,"\"totalPremium\"",{"$f":"MATCH($M$3,OFFSET($J$1,N2,0,600,1),)+N2","v":6},{"$f":"IFERROR(VALUE(INDEX($K:$K,$N3)),99999)","v":31.28},null,{"$f":"MIN(O:O)","v":31.28},null,null,"\"nl\"",{"$f":"MATCH($T$3,OFFSET($J$1,U2,0,600,1),)+U2","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U3),$T$6,500),$T$4,\"\")&CHAR(10)&V2,V2)&\"\"","v":""}]
["\"dateOfCommencement\":\"<sdate>\",",null,null,null,null,"<sdate>",{"$f":"MLB1_sdate","v":"2024-11-01"},{"$f":"TODAY()","v":"2024-10-11"},{"$f":"IF(MONTH(H4)=12,1,MONTH(H4)+1)","v":11},"\"results\"","[{type:CalculationResultMLB",null,"\"amount\"",{"$f":"MATCH($M$3,OFFSET($J$1,N3,0,600,1),)+N3","v":{"$error":"#N/A"}},{"$f":"IFERROR(VALUE(INDEX($K:$K,$N4)),99999)","v":99999},null,{"$f":"INDEX(N:N,MATCH(Q3,O:O,))","v":6},null,null,"Please see the server log to find more detail regarding exact cause of the failure.",{"$f":"MATCH($T$3,OFFSET($J$1,U3,0,600,1),)+U3","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U4),$T$6,500),$T$4,\"\")&CHAR(10)&V3,V3)&\"\"","v":""}]
["\"paymentMethod\":\"MONTHLY\",",null,null,null,null,null,null,null,null,"\"policyTerms\"","QL_MLB_06_2019",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q4,0,600,1),)+Q4","v":9},{"$f":"VALUE(INDEX(K:K,Q5))","v":31.28},null,"Client received SOAP Fault from server:  ",{"$f":"MATCH($T$3,OFFSET($J$1,U4,0,600,1),)+U4","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U5),$T$6,500),$T$4,\"\")&CHAR(10)&V4,V4)&\"\"","v":""}]
["\"disabilityCover\":{",null,null,null,null,null,null,null,null,"\"totalPremium\"",31.28,null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q5,0,600,1),)+Q5","v":12},{"$f":"VALUE(INDEX(K:K,Q6))","v":19.64},null,{"$f":"LEN(T5)","v":41},{"$f":"MATCH($T$3,OFFSET($J$1,U5,0,600,1),)+U5","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U6),$T$6,500),$T$4,\"\")&CHAR(10)&V5,V5)&\"\"","v":""}]
[null,"\"sumAssured\":<d_sum>,",null,null,null,"<d_sum>",{"$f":"'AO en WW'!C35","v":0},600,null,"\"premiumProgression\"","[{startDate:2020-05-01",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q6,0,600,1),)+Q6","v":15},{"$f":"VALUE(INDEX(K:K,Q7))","v":11.64},null,null,{"$f":"MATCH($T$3,OFFSET($J$1,U6,0,600,1),)+U6","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U7),$T$6,500),$T$4,\"\")&CHAR(10)&V6,V6)&\"\"","v":""}]
[null,"\"startDate\":\"<sdate>\",",null,null,null,null,null,null,null,"\"endDate\"","2036-05-01",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$f":"MATCH($T$3,OFFSET($J$1,U7,0,600,1),)+U7","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U8),$T$6,500),$T$4,\"\")&CHAR(10)&V7,V7)&\"\"","v":""}]
[null,"\"endDate\":\"<edate>\",",null,null,null,"<edate>",{"$f":"DATE(YEAR(G4)+H9,MONTH(G4),1)","v":"2054-11-01"},{"$f":"Callas!D23","v":30},null,"\"amount\"",31.28,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U9),$T$6,500),$T$4,\"\")&CHAR(10)&V8,V8)&\"\"","v":""}]
[null,"\"coverLimit\":\"PERCENTAGE_35\",",null,null,null,null,null,null,null,"\"disability\"","{startDate:2020-05-01",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U10),$T$6,500),$T$4,\"\")&CHAR(10)&V9,V9)&\"\"","v":""}]
[null,"\"claimAssessment\":\"<lab>\",",null,null,null,"<lab>","FITTING_LABOUR","OWN_LABOUR | FITTING_LABOUR",null,"\"endDate\"","2037-05-01",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U11),$T$6,500),$T$4,\"\")&CHAR(10)&V10,V10)&\"\"","v":""}]
[null,"\"claimDuration\":\"<d_dur>\",",null,null,null,"<d_dur>","INSURANCE_END_DATE","YEARS_2 | YEAR_5 | YEAR_10 | INSURANCE_END_DATE",null,"\"amount\"",19.64,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U12),$T$6,500),$T$4,\"\")&CHAR(10)&V11,V11)&\"\"","v":""}]
[null,"\"waitingPeriod\":\"<wait>\",",null,null,null,"<wait>","DAYS_365","DAYS_180 | DAYS_365 | DAYS_730",null,"\"unemployment\"","{startDate:2020-05-01",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U13),$T$6,500),$T$4,\"\")&CHAR(10)&V12,V12)&\"\"","v":""}]
[null,"\"paymentLevel\":\"<lev>\",",null,null,null,"<lev>","FULL","PRO_RATO | FULL",null,"\"endDate\"","2037-05-01",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U14),$T$6,500),$T$4,\"\")&CHAR(10)&V13,V13)&\"\"","v":""}]
[null,"\"insuredAttributes\":{",null,null,null,null,null,null,null,"\"amount\"",11.64,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U15),$T$6,500),$T$4,\"\")&CHAR(10)&V14,V14)&\"\"","v":""}]
[null,null,"\"dateOfBirth\":\"<bdate>\",",null,null,"<bdate>",{"$f":"gebdat1","v":"00:00:00"},{"$f":"(+G9-G16)/365.25","v":154.83641341546885},null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U16),$T$6,500),$T$4,\"\")&CHAR(10)&V15,V15)&\"\"","v":""}]
[null,null,"\"isSmoker\":<smoke>",null,null,"<smoke>",false,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U17),$T$6,500),$T$4,\"\")&CHAR(10)&V16,V16)&\"\"","v":""}]
[null,null,"}",null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U18),$T$6,500),$T$4,\"\")&CHAR(10)&V17,V17)&\"\"","v":""}]
[null,"}",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U19),$T$6,500),$T$4,\"\")&CHAR(10)&V18,V18)&\"\"","v":""}]
[",\"unemploymentCover\":{",null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U20),$T$6,500),$T$4,\"\")&CHAR(10)&V19,V19)&\"\"","v":""}]
[null,"\"sumAssured\":<u_sum>,",null,null,null,"<u_sum>",{"$f":"'AO en WW'!C36","v":0},367,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U21),$T$6,500),$T$4,\"\")&CHAR(10)&V20,V20)&\"\"","v":""}]
[null,"\"startDate\":\"<sdate>\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U22),$T$6,500),$T$4,\"\")&CHAR(10)&V21,V21)&\"\"","v":""}]
[null,"\"endDate\":\"<edate>\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U23),$T$6,500),$T$4,\"\")&CHAR(10)&V22,V22)&\"\"","v":""}]
["\"claimDuration\":\"<u_dur>\",",null,null,null,null,"<u_dur>","YEARS_1","YEARS_1 | YEARS_2",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U24),$T$6,500),$T$4,\"\")&CHAR(10)&V23,V23)&\"\"","v":""}]
[null,"\"insuredAttributes\":{",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U25),$T$6,500),$T$4,\"\")&CHAR(10)&V24,V24)&\"\"","v":""}]
[null,null,"\"dateOfBirth\":\"<bdate>\","]
[null,null,"\"isSmoker\":<smoke>"]
[null,null,"}"]
[null,"}"]
["}"]
[null,null,null,null,null,"- Passende arbeid"]
[null,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,"- Geen indexatie"]

{"sheet":"MLB2norm","index":72,"n_rows":34,"n_cols":256,"rows_kept":34,"cut":false,"hidden":true,"merged":[]}
["{",null,null,null,null,null,{"$f":"AND(G7>=150,G21>150,leeftijd2>0)","v":false},"{\"type\":\"CalculationMLB\",\"productType\":\"MLB\",\"dateOfCommencement\":\"2020-04-01\",\"paymentMethod\":\"MONTHLY\",\"disabilityCover\":{\"sumAssured\":X,\"startDate\":\"2020-04-01\",\"endDate\":\"2048-04-01\",\"coverLimit\":\"PERCENTAGE_35\",\"claimAssessment\":\"FITTING_LABOUR\",\"claimDuration\":\"INSURANCE_END_DATE\",\"waitingPeriod\":\"DAYS_365\",\"paymentLevel\":\"FULL\",\"insuredAttributes\":{\"dateOfBirth\":\"1980-08-01\",\"isSmoker\":false}},\"unemploymentCover\":{\"sumAssured\":X,\"startDate\":\"2020-04-01\",\"endDate\":\"2048-04-01\",\"claimDuration\":\"YEARS_1\",\"insuredAttributes\":{\"dateOfBirth\":\"1980-08-01\",\"isSmoker\":false}}}",null,"{\"success\":false,\"errors\":[{\"errorCode\":\"VALIDATION_FAILED\",\"message\":{\"en\":\"javax.json.stream.JsonParsingException: Unexpected char 88 at (line no=1, column no=138, offset=137)\\n\\tat org.glassfish.json.JsonTokenizer.unexpectedChar(JsonTokenizer.java:601)\\n\\tat org.glassfish.json.JsonTokenizer.nextToken(JsonTokenizer.java:418)\\n\\tat org.glassfish.json.JsonParserImpl$ObjectContext.getNextEvent(JsonParserImpl.java:481)\\n\\tat org.glassfish.json.JsonParserImpl.next(JsonParserImpl.java:376)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:340)\\n\\tat org.glassfish.json.JsonParserImpl.getValue(JsonParserImpl.java:182)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:341)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:173)\\n\\tat org.glassfish.json.JsonReaderImpl.read(JsonReaderImpl.java:94)\\n\\tat org.eclipse.persistence.internal.oxm.record.json.JsonStructureReader.parse(JsonStructureReader.java:141)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:1018)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:454)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:402)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:743)\\n\\tat org.eclipse.persistence.internal.oxm.XMLUnmarshaller.unmarshal(XMLUnmarshaller.java:651)\\n\\tat org.eclipse.persistence.jaxb.JAXBUnmarshaller.unmarshal(JAXBUnmarshaller.java:351)\\n\\tat org.eclipse.persistence.jaxb.rs.MOXyJsonProvider.readFrom(MOXyJsonProvider.java:686)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.invokeReadFrom(ReaderInterceptorExecutor.java:257)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.aroundReadFrom(ReaderInterceptorExecutor.java:236)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.server.internal.MappableExceptionWrapperInterceptor.aroundReadFrom(MappableExceptionWrapperInterceptor.java:73)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.message.internal.MessageBodyFactory.readFrom(MessageBodyFactory.java:1093)\\n\\tat org.glassfish.jersey.message.internal.InboundMessageContext.readEntity(InboundMessageContext.java:874)\\n\\tat org.glassfish.jersey.server.ContainerRequest.readEntity(ContainerRequest.java:271)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:98)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:81)\\n\\tat org.glassfish.jersey.server.spi.internal.ParamValueFactoryWithSource.apply(ParamValueFactoryWithSource.java:75)\\n\\tat org.glassfish.jersey.server.spi.internal.ParameterValueHelper.getParameterValues(ParameterValueHelper.java:93)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$AbstractMethodParamInvoker.getParamValues(JavaResourceMethodDispatcherProvider.java:133)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$TypeOutInvoker.doDispatch(JavaResourceMethodDispatcherProvider.java:243)\\n\\tat org.glassfish.jersey.server.model.internal.AbstractJavaResourceMethodDispatcher.dispatch(AbstractJavaResourceMethodDispatcher.java:103)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.invoke(ResourceMethodInvoker.java:493)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:415)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:104)\\n\\tat org.glassfish.jersey.server.ServerRuntime$1.run(ServerRuntime.java:277)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:272)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:268)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:316)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:298)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:268)\\n\\tat org.glassfish.jersey.process.internal.RequestScope.runInScope(RequestScope.java:289)\\n\\tat org.glassfish.jersey.server.ServerRuntime.process(ServerRuntime.java:256)\\n\\tat org.glassfish.jersey.server.ApplicationHandler.handle(ApplicationHandler.java:704)\\n\\tat org.glassfish.jersey.servlet.WebComponent.serviceImpl(WebComponent.java:416)\\n\\tat org.glassfish.jersey.servlet.WebComponent.service(WebComponent.java:370)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:389)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:342)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:229)\\n\\tat org.apache.catalina.core.StandardWrapper.service(StandardWrapper.java:1628)\\n\\tat org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:258)\\n\\tat org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:160)\\n\\tat org.apache.catalina.core.StandardPipeline.doInvoke(StandardPipeline.java:755)\\n\\tat org.apache.catalina.core.StandardPipeline.invoke(StandardPipeline.java:575)\\n\\tat com.sun.enterprise.web.WebPipeline.invoke(WebPipeline.java:99)\\n\\tat org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:159)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.doService(CoyoteAdapter.java:371)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:238)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper$HttpHandlerCallable.call(ContainerMapper.java:520)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper.service(ContainerMapper.java:217)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.runService(HttpHandler.java:182)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.doHandle(HttpHandler.java:156)\\n\\tat org.glassfish.grizzly.http.server.HttpServerFilter.handleRead(HttpServerFilter.java:218)\\n\\tat org.glassfish.grizzly.filterchain.ExecutorResolver$9.execute(ExecutorResolver.java:95)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeFilter(DefaultFilterChain.java:260)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeChainPart(DefaultFilterChain.java:177)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.execute(DefaultFilterChain.java:109)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.process(DefaultFilterChain.java:88)\\n\\tat org.glassfish.grizzly.ProcessorExecutor.execute(ProcessorExecutor.java:53)\\n\\tat org.glassfish.grizzly.nio.transport.TCPNIOTransport.fireIOEvent(TCPNIOTransport.java:524)\\n\\tat org.glassfish.grizzly.strategies.AbstractIOStrategy.fireIOEvent(AbstractIOStrategy.java:89)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.run0(WorkerThreadIOStrategy.java:94)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.access$0(WorkerThreadIOStrategy.java:90)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy$WorkerThreadRunnable.run(WorkerThreadIOStrategy.java:114)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.doWork(AbstractThreadPool.java:569)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.run(AbstractThreadPool.java:549)\\n\\tat java.lang.Thread.run(Thread.java:748)\\n\",\"nl\":\"javax.json.stream.JsonParsingException: Unexpected char 88 at (line no=1, column no=138, offset=137)\\n\\tat org.glassfish.json.JsonTokenizer.unexpectedChar(JsonTokenizer.java:601)\\n\\tat org.glassfish.json.JsonTokenizer.nextToken(JsonTokenizer.java:418)\\n\\tat org.glassfish.json.JsonParserImpl$ObjectContext.getNextEvent(JsonParserImpl.java:481)\\n\\tat org.glassfish.json.JsonParserImpl.next(JsonParserImpl.java:376)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:340)\\n\\tat org.glassfish.json.JsonParserImpl.getValue(JsonParserImpl.java:182)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:341)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:173)\\n\\tat org.glassfish.json.JsonReaderImpl.read(JsonReaderImpl.java:94)\\n\\tat org.eclipse.persistence.internal.oxm.record.json.JsonStructureReader.parse(JsonStructureReader.java:141)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:1018)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:454)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:402)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:743)\\n\\tat org.eclipse.persistence.internal.oxm.XMLUnmarshaller.unmarshal(XMLUnmarshaller.java:651)\\n\\tat org.eclipse.persistence.jaxb.JAXBUnmarshaller.unmarshal(JAXBUnmarshaller.java:351)\\n\\tat org.eclipse.persistence.jaxb.rs.MOXyJsonProvider.readFrom(MOXyJsonProvider.java:686)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.invokeReadFrom(ReaderInterceptorExecutor.java:257)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.aroundReadFrom(ReaderInterceptorExecutor.java:236)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.server.internal.MappableExceptionWrapperInterceptor.aroundReadFrom(MappableExceptionWrapperInterceptor.java:73)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.message.internal.MessageBodyFactory.readFrom(MessageBodyFactory.java:1093)\\n\\tat org.glassfish.jersey.message.internal.InboundMessageContext.readEntity(InboundMessageContext.java:874)\\n\\tat org.glassfish.jersey.server.ContainerRequest.readEntity(ContainerRequest.java:271)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:98)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:81)\\n\\tat org.glassfish.jersey.server.spi.internal.ParamValueFactoryWithSource.apply(ParamValueFactoryWithSource.java:75)\\n\\tat org.glassfish.jersey.server.spi.internal.ParameterValueHelper.getParameterValues(ParameterValueHelper.java:93)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$AbstractMethodParamInvoker.getParamValues(JavaResourceMethodDispatcherProvider.java:133)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$TypeOutInvoker.doDispatch(JavaResourceMethodDispatcherProvider.java:243)\\n\\tat org.glassfish.jersey.server.model.internal.AbstractJavaResourceMethodDispatcher.dispatch(AbstractJavaResourceMethodDispatcher.java:103)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.invoke(ResourceMethodInvoker.java:493)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:415)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:104)\\n\\tat org.glassfish.jersey.server.ServerRuntime$1.run(ServerRuntime.java:277)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:272)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:268)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:316)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:298)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:268)\\n\\tat org.glassfish.jersey.process.internal.RequestScope.runInScope(RequestScope.java:289)\\n\\tat org.glassfish.jersey.server.ServerRuntime.process(ServerRuntime.java:256)\\n\\tat org.glassfish.jersey.server.ApplicationHandler.handle(ApplicationHandler.java:704)\\n\\tat org.glassfish.jersey.servlet.WebComponent.serviceImpl(WebComponent.java:416)\\n\\tat org.glassfish.jersey.servlet.WebComponent.service(WebComponent.java:370)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:389)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:342)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:229)\\n\\tat org.apache.catalina.core.StandardWrapper.service(StandardWrapper.java:1628)\\n\\tat org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:258)\\n\\tat org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:160)\\n\\tat org.apache.catalina.core.StandardPipeline.doInvoke(StandardPipeline.java:755)\\n\\tat org.apache.catalina.core.StandardPipeline.invoke(StandardPipeline.java:575)\\n\\tat com.sun.enterprise.web.WebPipeline.invoke(WebPipeline.java:99)\\n\\tat org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:159)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.doService(CoyoteAdapter.java:371)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:238)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper$HttpHandlerCallable.call(ContainerMapper.java:520)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper.service(ContainerMapper.java:217)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.runService(HttpHandler.java:182)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.doHandle(HttpHandler.java:156)\\n\\tat org.glassfish.grizzly.http.server.HttpServerFilter.handleRead(HttpServerFilter.java:218)\\n\\tat org.glassfish.grizzly.filterchain.ExecutorResolver$9.execute(ExecutorResolver.java:95)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeFilter(DefaultFilterChain.java:260)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeChainPart(DefaultFilterChain.java:177)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.execute(DefaultFilterChain.java:109)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.process(DefaultFilterChain.java:88)\\n\\tat org.glassfish.grizzly.ProcessorExecutor.execute(ProcessorExecutor.java:53)\\n\\tat org.glassfish.grizzly.nio.transport.TCPNIOTransport.fireIOEvent(TCPNIOTransport.java:524)\\n\\tat org.glassfish.grizzly.strategies.AbstractIOStrategy.fireIOEvent(AbstractIOStrategy.java:89)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.run0(WorkerThreadIOStrategy.java:94)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.access$0(WorkerThreadIOStrategy.java:90)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy$WorkerThreadRunnable.run(WorkerThreadIOStrategy.java:114)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.doWork(AbstractThreadPool.java:569)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.run(AbstractThreadPool.java:549)\\n\\tat java.lang.Thread.run(Thread.java:748)\\n\"}}]}",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
["\"type\":\"CalculationMLB\",",null,null,null,null,null,null,{"$f":"MID(H1,H3,20)","v":",\"isSmoker\":false}},"}]
["\"productType\":\"MLB\",",null,null,null,null,null,null,385,null,"{\"success\"",false,null,"\"totalPremium\"",{"$f":"MATCH($M$3,OFFSET($J$1,N2,0,600,1),)+N2","v":{"$error":"#N/A"}},{"$f":"IFERROR(VALUE(INDEX($K:$K,$N3)),99999)","v":99999},null,{"$f":"MIN(O:O)","v":99999},null,null,"\"nl\"",{"$f":"MATCH($T$3,OFFSET($J$1,U2,0,600,1),)+U2","v":7},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U3),$T$6,500),$T$4,\"\")&CHAR(10)&V2,V2)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
["\"dateOfCommencement\":\"<sdate>\",",null,null,null,null,"<sdate>",{"$f":"MLB1_sdate","v":"2024-11-01"},{"$f":"TODAY()","v":"2024-10-11"},{"$f":"IF(MONTH(H4)=12,1,MONTH(H4)+1)","v":11},"\"errors\"","[{errorCode:VALIDATION_FAILED",null,"\"amount\"",{"$f":"MATCH($M$3,OFFSET($J$1,N3,0,600,1),)+N3","v":{"$error":"#N/A"}},{"$f":"IFERROR(VALUE(INDEX($K:$K,$N4)),99999)","v":99999},null,{"$f":"INDEX(N:N,MATCH(Q3,O:O,))","v":{"$error":"#N/A"}},null,null,"Please see the server log to find more detail regarding exact cause of the failure.",{"$f":"MATCH($T$3,OFFSET($J$1,U3,0,600,1),)+U3","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U4),$T$6,500),$T$4,\"\")&CHAR(10)&V3,V3)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
["\"paymentMethod\":\"MONTHLY\",",null,null,null,null,null,null,null,null,"\"message\"","{en:javax.json.stream.JsonParsingException: Unexpected char 88 at (line no=1",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q4,0,600,1),)+Q4","v":{"$error":"#N/A"}},{"$f":"VALUE(INDEX(K:K,Q5))","v":{"$error":"#N/A"}},null,"Client received SOAP Fault from server:  ",{"$f":"MATCH($T$3,OFFSET($J$1,U4,0,600,1),)+U4","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U5),$T$6,500),$T$4,\"\")&CHAR(10)&V4,V4)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
["\"disabilityCover\":{",null,null,null,null,null,null,null,null," offset=137)\\n\\tat org.glassfish.json.JsonTokenizer.unexpectedChar(JsonTokenizer.java","601)\\n\\tat org.glassfish.json.JsonTokenizer.nextToken(JsonTokenizer.java:418)\\n\\tat org.glassfish.json.JsonParserImpl$ObjectContext.getNextEvent(JsonParserImpl.java:481)\\n\\tat org.glassfish.json.JsonParserImpl.next(JsonParserImpl.java:376)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:340)\\n\\tat org.glassfish.json.JsonParserImpl.getValue(JsonParserImpl.java:182)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:341)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:173)\\n\\tat org.glassfish.json.JsonReaderImpl.read(JsonReaderImpl.java:94)\\n\\tat org.eclipse.persistence.internal.oxm.record.json.JsonStructureReader.parse(JsonStructureReader.java:141)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:1018)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:454)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:402)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:743)\\n\\tat org.eclipse.persistence.internal.oxm.XMLUnmarshaller.unmarshal(XMLUnmarshaller.java:651)\\n\\tat org.eclipse.persistence.jaxb.JAXBUnmarshaller.unmarshal(JAXBUnmarshaller.java:351)\\n\\tat org.eclipse.persistence.jaxb.rs.MOXyJsonProvider.readFrom(MOXyJsonProvider.java:686)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.invokeReadFrom(ReaderInterceptorExecutor.java:257)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.aroundReadFrom(ReaderInterceptorExecutor.java:236)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.server.internal.MappableExceptionWrapperInterceptor.aroundReadFrom(MappableExceptionWrapperInterceptor.java:73)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.message.internal.MessageBodyFactory.readFrom(MessageBodyFactory.java:1093)\\n\\tat org.glassfish.jersey.message.internal.InboundMessageContext.readEntity(InboundMessageContext.java:874)\\n\\tat org.glassfish.jersey.server.ContainerRequest.readEntity(ContainerRequest.java:271)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:98)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:81)\\n\\tat org.glassfish.jersey.server.spi.internal.ParamValueFactoryWithSource.apply(ParamValueFactoryWithSource.java:75)\\n\\tat org.glassfish.jersey.server.spi.internal.ParameterValueHelper.getParameterValues(ParameterValueHelper.java:93)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$AbstractMethodParamInvoker.getParamValues(JavaResourceMethodDispatcherProvider.java:133)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$TypeOutInvoker.doDispatch(JavaResourceMethodDispatcherProvider.java:243)\\n\\tat org.glassfish.jersey.server.model.internal.AbstractJavaResourceMethodDispatcher.dispatch(AbstractJavaResourceMethodDispatcher.java:103)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.invoke(ResourceMethodInvoker.java:493)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:415)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:104)\\n\\tat org.glassfish.jersey.server.ServerRuntime$1.run(ServerRuntime.java:277)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:272)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:268)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:316)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:298)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:268)\\n\\tat org.glassfish.jersey.process.internal.RequestScope.runInScope(RequestScope.java:289)\\n\\tat org.glassfish.jersey.server.ServerRuntime.process(ServerRuntime.java:256)\\n\\tat org.glassfish.jersey.server.ApplicationHandler.handle(ApplicationHandler.java:704)\\n\\tat org.glassfish.jersey.servlet.WebComponent.serviceImpl(WebComponent.java:416)\\n\\tat org.glassfish.jersey.servlet.WebComponent.service(WebComponent.java:370)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:389)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:342)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:229)\\n\\tat org.apache.catalina.core.StandardWrapper.service(StandardWrapper.java:1628)\\n\\tat org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:258)\\n\\tat org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:160)\\n\\tat org.apache.catalina.core.StandardPipeline.doInvoke(StandardPipeline.java:755)\\n\\tat org.apache.catalina.core.StandardPipeline.invoke(StandardPipeline.java:575)\\n\\tat com.sun.enterprise.web.WebPipeline.invoke(WebPipeline.java:99)\\n\\tat org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:159)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.doService(CoyoteAdapter.java:371)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:238)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper$HttpHandlerCallable.call(ContainerMapper.java:520)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper.service(ContainerMapper.java:217)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.runService(HttpHandler.java:182)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.doHandle(HttpHandler.java:156)\\n\\tat org.glassfish.grizzly.http.server.HttpServerFilter.handleRead(HttpServerFilter.java:218)\\n\\tat org.glassfish.grizzly.filterchain.ExecutorResolver$9.execute(ExecutorResolver.java:95)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeFilter(DefaultFilterChain.java:260)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeChainPart(DefaultFilterChain.java:177)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.execute(DefaultFilterChain.java:109)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.process(DefaultFilterChain.java:88)\\n\\tat org.glassfish.grizzly.ProcessorExecutor.execute(ProcessorExecutor.java:53)\\n\\tat org.glassfish.grizzly.nio.transport.TCPNIOTransport.fireIOEvent(TCPNIOTransport.java:524)\\n\\tat org.glassfish.grizzly.strategies.AbstractIOStrategy.fireIOEvent(AbstractIOStrategy.java:89)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.run0(WorkerThreadIOStrategy.java:94)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.access$0(WorkerThreadIOStrategy.java:90)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy$WorkerThreadRunnable.run(WorkerThreadIOStrategy.java:114)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.doWork(AbstractThreadPool.java:569)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.run(AbstractThreadPool.java:549)\\n\\tat java.lang.Thread.run(Thread.java:748)\\n",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q5,0,600,1),)+Q5","v":{"$error":"#N/A"}},{"$f":"VALUE(INDEX(K:K,Q6))","v":{"$error":"#N/A"}},null,{"$f":"LEN(T5)","v":41},{"$f":"MATCH($T$3,OFFSET($J$1,U5,0,600,1),)+U5","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U6),$T$6,500),$T$4,\"\")&CHAR(10)&V5,V5)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"sumAssured\":<d_sum>,",null,null,null,"<d_sum>",{"$f":"'AO en WW'!F35","v":0},600,null,"\"nl\"","javax.json.stream.JsonParsingException: Unexpected char 88 at (line no=1",null,null,{"$error":"#N/A"},99999,null,{"$f":"MATCH($M$4,OFFSET($J$1,Q6,0,600,1),)+Q6","v":{"$error":"#N/A"}},{"$f":"VALUE(INDEX(K:K,Q7))","v":{"$error":"#N/A"}},null,null,{"$f":"MATCH($T$3,OFFSET($J$1,U6,0,600,1),)+U6","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U7),$T$6,500),$T$4,\"\")&CHAR(10)&V6,V6)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"startDate\":\"<sdate>\",",null,null,null,null,null,null,null," offset=137)\\n\\tat org.glassfish.json.JsonTokenizer.unexpectedChar(JsonTokenizer.java","601)\\n\\tat org.glassfish.json.JsonTokenizer.nextToken(JsonTokenizer.java:418)\\n\\tat org.glassfish.json.JsonParserImpl$ObjectContext.getNextEvent(JsonParserImpl.java:481)\\n\\tat org.glassfish.json.JsonParserImpl.next(JsonParserImpl.java:376)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:340)\\n\\tat org.glassfish.json.JsonParserImpl.getValue(JsonParserImpl.java:182)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:341)\\n\\tat org.glassfish.json.JsonParserImpl.getObject(JsonParserImpl.java:173)\\n\\tat org.glassfish.json.JsonReaderImpl.read(JsonReaderImpl.java:94)\\n\\tat org.eclipse.persistence.internal.oxm.record.json.JsonStructureReader.parse(JsonStructureReader.java:141)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:1018)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:454)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:402)\\n\\tat org.eclipse.persistence.internal.oxm.record.SAXUnmarshaller.unmarshal(SAXUnmarshaller.java:743)\\n\\tat org.eclipse.persistence.internal.oxm.XMLUnmarshaller.unmarshal(XMLUnmarshaller.java:651)\\n\\tat org.eclipse.persistence.jaxb.JAXBUnmarshaller.unmarshal(JAXBUnmarshaller.java:351)\\n\\tat org.eclipse.persistence.jaxb.rs.MOXyJsonProvider.readFrom(MOXyJsonProvider.java:686)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.invokeReadFrom(ReaderInterceptorExecutor.java:257)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor$TerminalReaderInterceptor.aroundReadFrom(ReaderInterceptorExecutor.java:236)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.server.internal.MappableExceptionWrapperInterceptor.aroundReadFrom(MappableExceptionWrapperInterceptor.java:73)\\n\\tat org.glassfish.jersey.message.internal.ReaderInterceptorExecutor.proceed(ReaderInterceptorExecutor.java:156)\\n\\tat org.glassfish.jersey.message.internal.MessageBodyFactory.readFrom(MessageBodyFactory.java:1093)\\n\\tat org.glassfish.jersey.message.internal.InboundMessageContext.readEntity(InboundMessageContext.java:874)\\n\\tat org.glassfish.jersey.server.ContainerRequest.readEntity(ContainerRequest.java:271)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:98)\\n\\tat org.glassfish.jersey.server.internal.inject.EntityParamValueParamProvider$EntityValueSupplier.apply(EntityParamValueParamProvider.java:81)\\n\\tat org.glassfish.jersey.server.spi.internal.ParamValueFactoryWithSource.apply(ParamValueFactoryWithSource.java:75)\\n\\tat org.glassfish.jersey.server.spi.internal.ParameterValueHelper.getParameterValues(ParameterValueHelper.java:93)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$AbstractMethodParamInvoker.getParamValues(JavaResourceMethodDispatcherProvider.java:133)\\n\\tat org.glassfish.jersey.server.model.internal.JavaResourceMethodDispatcherProvider$TypeOutInvoker.doDispatch(JavaResourceMethodDispatcherProvider.java:243)\\n\\tat org.glassfish.jersey.server.model.internal.AbstractJavaResourceMethodDispatcher.dispatch(AbstractJavaResourceMethodDispatcher.java:103)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.invoke(ResourceMethodInvoker.java:493)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:415)\\n\\tat org.glassfish.jersey.server.model.ResourceMethodInvoker.apply(ResourceMethodInvoker.java:104)\\n\\tat org.glassfish.jersey.server.ServerRuntime$1.run(ServerRuntime.java:277)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:272)\\n\\tat org.glassfish.jersey.internal.Errors$1.call(Errors.java:268)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:316)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:298)\\n\\tat org.glassfish.jersey.internal.Errors.process(Errors.java:268)\\n\\tat org.glassfish.jersey.process.internal.RequestScope.runInScope(RequestScope.java:289)\\n\\tat org.glassfish.jersey.server.ServerRuntime.process(ServerRuntime.java:256)\\n\\tat org.glassfish.jersey.server.ApplicationHandler.handle(ApplicationHandler.java:704)\\n\\tat org.glassfish.jersey.servlet.WebComponent.serviceImpl(WebComponent.java:416)\\n\\tat org.glassfish.jersey.servlet.WebComponent.service(WebComponent.java:370)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:389)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:342)\\n\\tat org.glassfish.jersey.servlet.ServletContainer.service(ServletContainer.java:229)\\n\\tat org.apache.catalina.core.StandardWrapper.service(StandardWrapper.java:1628)\\n\\tat org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:258)\\n\\tat org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:160)\\n\\tat org.apache.catalina.core.StandardPipeline.doInvoke(StandardPipeline.java:755)\\n\\tat org.apache.catalina.core.StandardPipeline.invoke(StandardPipeline.java:575)\\n\\tat com.sun.enterprise.web.WebPipeline.invoke(WebPipeline.java:99)\\n\\tat org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:159)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.doService(CoyoteAdapter.java:371)\\n\\tat org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:238)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper$HttpHandlerCallable.call(ContainerMapper.java:520)\\n\\tat com.sun.enterprise.v3.services.impl.ContainerMapper.service(ContainerMapper.java:217)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.runService(HttpHandler.java:182)\\n\\tat org.glassfish.grizzly.http.server.HttpHandler.doHandle(HttpHandler.java:156)\\n\\tat org.glassfish.grizzly.http.server.HttpServerFilter.handleRead(HttpServerFilter.java:218)\\n\\tat org.glassfish.grizzly.filterchain.ExecutorResolver$9.execute(ExecutorResolver.java:95)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeFilter(DefaultFilterChain.java:260)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.executeChainPart(DefaultFilterChain.java:177)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.execute(DefaultFilterChain.java:109)\\n\\tat org.glassfish.grizzly.filterchain.DefaultFilterChain.process(DefaultFilterChain.java:88)\\n\\tat org.glassfish.grizzly.ProcessorExecutor.execute(ProcessorExecutor.java:53)\\n\\tat org.glassfish.grizzly.nio.transport.TCPNIOTransport.fireIOEvent(TCPNIOTransport.java:524)\\n\\tat org.glassfish.grizzly.strategies.AbstractIOStrategy.fireIOEvent(AbstractIOStrategy.java:89)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.run0(WorkerThreadIOStrategy.java:94)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy.access$0(WorkerThreadIOStrategy.java:90)\\n\\tat org.glassfish.grizzly.strategies.WorkerThreadIOStrategy$WorkerThreadRunnable.run(WorkerThreadIOStrategy.java:114)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.doWork(AbstractThreadPool.java:569)\\n\\tat org.glassfish.grizzly.threadpool.AbstractThreadPool$Worker.run(AbstractThreadPool.java:549)\\n\\tat java.lang.Thread.run(Thread.java:748)\\n",null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$f":"MATCH($T$3,OFFSET($J$1,U7,0,600,1),)+U7","v":{"$error":"#N/A"}},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U8),$T$6,500),$T$4,\"\")&CHAR(10)&V7,V7)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"endDate\":\"<edate>\",",null,null,null,"<edate>",{"$f":"DATE(YEAR(G4)+H9,MONTH(G4),1)","v":"2054-11-01"},{"$f":"Callas!S23","v":30},null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U9),$T$6,500),$T$4,\"\")&CHAR(10)&V8,V8)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"coverLimit\":\"PERCENTAGE_35\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U10),$T$6,500),$T$4,\"\")&CHAR(10)&V9,V9)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"claimAssessment\":\"<lab>\",",null,null,null,"<lab>","FITTING_LABOUR","OWN_LABOUR | FITTING_LABOUR",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U11),$T$6,500),$T$4,\"\")&CHAR(10)&V10,V10)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"claimDuration\":\"<d_dur>\",",null,null,null,"<d_dur>","INSURANCE_END_DATE","YEARS_2 | YEAR_5 | YEAR_10 | INSURANCE_END_DATE",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U12),$T$6,500),$T$4,\"\")&CHAR(10)&V11,V11)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"waitingPeriod\":\"<wait>\",",null,null,null,"<wait>","DAYS_365","DAYS_180 | DAYS_365 | DAYS_730",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U13),$T$6,500),$T$4,\"\")&CHAR(10)&V12,V12)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"paymentLevel\":\"<lev>\",",null,null,null,"<lev>","FULL","PRO_RATO | FULL",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U14),$T$6,500),$T$4,\"\")&CHAR(10)&V13,V13)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"insuredAttributes\":{",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U15),$T$6,500),$T$4,\"\")&CHAR(10)&V14,V14)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,null,"\"dateOfBirth\":\"<bdate>\",",null,null,"<bdate>",{"$f":"gebdat2","v":"00:00:00"},{"$f":"(+G9-G16)/365.25","v":154.83641341546885},null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U16),$T$6,500),$T$4,\"\")&CHAR(10)&V15,V15)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,null,"\"isSmoker\":<smoke>",null,null,"<smoke>",false,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U17),$T$6,500),$T$4,\"\")&CHAR(10)&V16,V16)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,null,"}",null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U18),$T$6,500),$T$4,\"\")&CHAR(10)&V17,V17)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"}",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U19),$T$6,500),$T$4,\"\")&CHAR(10)&V18,V18)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[",\"unemploymentCover\":{",null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U20),$T$6,500),$T$4,\"\")&CHAR(10)&V19,V19)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"sumAssured\":<u_sum>,",null,null,null,"<u_sum>",{"$f":"'AO en WW'!F36","v":0},367,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U21),$T$6,500),$T$4,\"\")&CHAR(10)&V20,V20)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"startDate\":\"<sdate>\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U22),$T$6,500),$T$4,\"\")&CHAR(10)&V21,V21)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"endDate\":\"<edate>\",",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U23),$T$6,500),$T$4,\"\")&CHAR(10)&V22,V22)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
["\"claimDuration\":\"<u_dur>\",",null,null,null,null,"<u_dur>","YEARS_1","YEARS_1 | YEARS_2",null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U24),$T$6,500),$T$4,\"\")&CHAR(10)&V23,V23)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,"\"insuredAttributes\":{",null,null,null,null,null,null,null,null,null,null,null,{"$error":"#N/A"},99999,null,null,null,null,null,{"$error":"#N/A"},{"$f":"IFERROR(SUBSTITUTE(MID(INDEX($K:$K,U25),$T$6,500),$T$4,\"\")&CHAR(10)&V24,V24)&\"\"","v":"Unexpected char 88 at (line no=1\n"}]
[null,null,"\"dateOfBirth\":\"<bdate>\","]
[null,null,"\"isSmoker\":<smoke>"]
[null,null,"}"]
[null,"}"]
["}"]
[null,null,null,null,null,"- Passende arbeid"]
[null,null,null,null,null,"- Wachttijd 365 dagen"]
[null,null,null,null,null,"- Volledige uitkering, dus niet naar rato"]
[null,null,null,null,null,"- Geen indexatie"]

{"sheet":"AO uitvoer","index":73,"n_rows":68,"n_cols":17,"rows_kept":68,"cut":false,"hidden":true,"merged":[[52,2,52,3],[56,4,56,5],[66,2,66,3],[66,4,66,5],[61,4,61,5],[65,2,65,3],[62,4,62,5],[64,4,64,5],[65,4,65,5],[63,2,63,3],[64,2,64,3],[61,2,61,3],[62,2,62,3],[63,4,63,5],[37,2,37,3],[35,4,35,5],[36,4,36,5],[51,2,51,3],[37,4,37,5],[17,1,17,4],[19,1,19,2],[0,0,0,5],[2,1,2,4],[4,1,4,2],[3,1,3,4],[14,0,14,2],[16,0,16,5],[18,1,18,4],[29,0,29,2],[33,2,33,3],[33,4,33,5],[48,2,48,3],[48,4,48,5],[41,4,41,5],[41,2,41,3],[42,2,42,3],[42,4,42,5],[46,4,46,5],[44,2,44,3],[44,4,44,5],[40,0,40,5],[39,0,39,5],[35,2,35,3],[36,2,36,3],[67,2,67,3],[67,4,67,5],[58,4,58,5],[55,2,55,3],[43,4,43,5],[52,4,52,5],[46,2,46,3],[43,2,43,3],[55,4,55,5],[56,2,56,3],[49,0,49,5],[51,4,51,5],[47,2,47,3],[47,4,47,5],[45,4,45,5],[45,2,45,3]]}
[]
[]
[{"$f":"IF(Algemeen!AL7=1,AlgemeenOUD!D7,AlgemeenOUD!C6)","v":" (0)"},"50% arbeidsongeschikt"]
["2e jaar verlaging inkomen!","Gangbare arbeid",null,null,null,"> 80%"]
[{"$f":"IF(AlgemeenOUD!C12>0,\"Variabel inkomen vervalt\",0)","v":0},"Loongerelateerd",null,"Loonaanvulling","Loonvervolg","IVA"]
[{"$f":"IF(AlgemeenOUD!C12>0,\"de 2 ziektejaren\",0)","v":0},"RVC 100%","RVC 0%","RVC 75%","RVC 45%",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!$C$7<3,TRUE,FALSE)","v":true}]
["Inkomen",{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)/2","v":0},"Geen",{"$f":"B7*75%","v":0},{"$f":"B7*45%","v":0},null,null,null,null,null,null,null,null,null,"Uitkering 1",{"$f":"IF(Q7=TRUE,Q7,Algemeen!X11)","v":false},false]
["Uitkering",{"$f":"MAX(0,O11)","v":0},{"$f":"MAX(0,O12)","v":0},{"$f":"MAX(0,O14)","v":0},{"$f":"MAX(0,O15)","v":10429.307280000001},{"$f":"IF((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)*75%)","v":0},null,null,null,null,null,null,null,null,"Uitkering 2",{"$f":"IF(Q8=TRUE,Q8,Algemeen!X12)","v":true},false]
["Uitkering werkgever",{"$f":"'AO en WW'!C16","v":0},{"$f":"'AO en WW'!C17","v":0},{"$f":"'AO en WW'!C18","v":0},{"$f":"'AO en WW'!C19","v":0},{"$f":"'AO en WW'!C20","v":0}]
[]
["Inkomen totaal HUIDIG",{"$f":"AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11","v":0},{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)","v":0},{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)","v":0},{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)","v":0},{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)","v":0},null,null,null,null,null,null,null,"B8",{"$f":"IF((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)>'Financiële Gegevens'!B1,('Financiële Gegevens'!B1-B7)*70%,((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)-B7)*70%)","v":0}]
["Inkomen totaal NIEUW",{"$f":"SUM(B7:B9)","v":0},{"$f":"SUM(C8:C9)","v":0},{"$f":"SUM(D7:D9)","v":0},{"$f":"SUM(E7:E9)","v":10429.307280000001},{"$f":"SUM(F8:F9)","v":0},null,null,null,null,null,null,null,"C8",{"$f":"IF((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*70%,(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)*70%)","v":0}]
[]
["Maandelijkse terugval >",{"$f":"ROUND((B11-B12)/12,0)","v":0},{"$f":"ROUND((C11-C12)/12,0)","v":0},{"$f":"ROUND((D11-D12)/12,0)","v":0},{"$f":"ROUND((E11-E12)/12,0)","v":-869},{"$f":"ROUND((F11-F12)/12,0)","v":0},null,null,null,null,null,null,null,"D8",{"$f":"IF((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)>'Financiële Gegevens'!B1,('Financiële Gegevens'!B1-B7)*70%,((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)-B7)*70%)","v":0}]
[{"$f":"IF(AlgemeenOUD!C10+AlgemeenOUD!C11+AlgemeenOUD!C12>'Financiële Gegevens'!B1,\"Let op: uw inkomen is hoger dan het sociale jaarloon:\",\" \")","v":" "},null,null,{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1,\" \")","v":" "},{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,\"Excl. F factor correctie\",\" \")","v":" "},null,null,null,null,null,null,null,null,"E8",{"$f":"('Financiële Gegevens'!B5*70%)*50%","v":10429.307280000001}]
[]
[{"$f":"\"Duur van de loongerelateerde uitkering is afhankelijk van de weken/jaren eis, leeftijd en werkelijk gewerkte jaren vanaf 1998\"","v":"Duur van de loongerelateerde uitkering is afhankelijk van de weken/jaren eis, leeftijd en werkelijk gewerkte jaren vanaf 1998"}]
[{"$f":"IF(Algemeen!AL7=1,AlgemeenOUD!G7,AlgemeenOUD!F6)","v":"0 (-1)"},"50% arbeidsongeschikt"]
["2e jaar verlaging inkomen","Gangbare arbeid",null,null,null,"> 80%"]
[{"$f":"IF(AlgemeenOUD!F12>0,\"Variabel inkomen vervalt\",0)","v":0},"Loongerelateerd",null,"Loonaanvulling","Loonvervolg","IVA"]
[{"$f":"IF(AlgemeenOUD!F12>0,\"de 2 ziektejaren\",0)","v":0},"RVC 100%","RVC 0%","RVC 75%","RVC 45%"]
["Inkomen",{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)/2","v":0},"Geen",{"$f":"B22*75%","v":0},{"$f":"B22*45%","v":0}]
["Uitkering",{"$f":"IF((AlgemeenOUD!F12+AlgemeenOUD!F10+AlgemeenOUD!F11)>'Financiële Gegevens'!B1,('Financiële Gegevens'!B1-B22)*70%,((AlgemeenOUD!F12+AlgemeenOUD!F10+AlgemeenOUD!F11)-B22)*70%)","v":0},{"$f":"IF((AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*70%,(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)*70%)","v":0},{"$f":"IF((AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)>'Financiële Gegevens'!B1,('Financiële Gegevens'!B1-B22)*70%,((AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)-B22)*70%)","v":0},{"$f":"IF(Algemeen!M15=0,0,('Financiële Gegevens'!B5*70%)*50%)","v":0},{"$f":"IF((AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)*75%)","v":0}]
["Uitkering werkgever",{"$f":"'AO en WW'!F16","v":0},{"$f":"'AO en WW'!F17","v":0},{"$f":"'AO en WW'!F18","v":0},{"$f":"'AO en WW'!F19","v":0},{"$f":"'AO en WW'!F20","v":0}]
[]
["Inkomen totaal HUIDIG",{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)","v":0},{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)","v":0},{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)","v":0},{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)","v":0},{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)","v":0}]
["Inkomen totaal NIEUW",{"$f":"SUM(B22:B24)","v":0},{"$f":"SUM(C23:C24)","v":0},{"$f":"D23+D22+D24","v":0},{"$f":"E23+E22+E24","v":0},{"$f":"SUM(F23:F24)","v":0}]
[]
["Maandelijkse terugval >",{"$f":"ROUND((B26-B27)/12,0)","v":0},{"$f":"ROUND((C26-C27)/12,0)","v":0},{"$f":"ROUND((D26-D27)/12,0)","v":0},{"$f":"ROUND((E26-E27)/12,0)","v":0},{"$f":"ROUND((F26-F27)/12,0)","v":0}]
[{"$f":"IF(AlgemeenOUD!F13>'Financiële Gegevens'!B1,\"Let op: uw inkomen is hoger dan het social jaarloon:\",\" \")","v":" "},null,null,{"$f":"IF(AlgemeenOUD!F13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1,\" \")","v":" "},{"$f":"IF(AlgemeenOUD!F13>'Financiële Gegevens'!B1,\"Excl. F factor correctie\",\" \")","v":" "}]
[]
[]
[]
[null,null,{"$f":"AlgemeenOUD!C6","v":""},null,{"$f":"AlgemeenOUD!F6","v":0}]
[]
["Bruto hypotheek per maand",null,{"$f":"'AO en WW'!C40","v":14.5}]
["Bruto maandpremie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>59,\">59, geen dekking mogelijk\",'AO en WW'!C42)","v":-0.23988800000000007},null,{"$f":"IF(AlgemeenOUD!F9>59,\">59, geen dekking mogelijk\",'AO en WW'!F42)","v":0}]
[{"$f":"\"Netto premie bij IB-tarief van \"&100*AlgemeenOUD!C16&\"%\"","v":"Netto premie bij IB-tarief van 36,97%"},null,{"$f":"IF(AlgemeenOUD!C9>59,\"\",C37*(1-AlgemeenOUD!C16))","v":-0.15120140640000007},null,{"$f":"IF(AlgemeenOUD!F9>59,\"\",E37*(1-AlgemeenOUD!C16))","v":0}]
[]
[]
[{"$f":"IF(OR(AlgemeenOUD!C13>'Financiële Gegevens'!B1,AlgemeenOUD!F13>'Financiële Gegevens'!B1),\"Uw inkomen is hoger dan het sociale jaarloon dus uw terugval is groter\",\" \")","v":" "}]
[null,null,{"$f":"AlgemeenOUD!C6","v":""},null,{"$f":"AlgemeenOUD!F6","v":0}]
["Huidig inkomen",null,{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)","v":0},null,{"$f":"B26","v":0}]
["Inkomen bij arbeidsongeschiktheid",null,{"$f":"C12","v":0},null,{"$f":"C27","v":0}]
[{"$f":"'WW uitvoer'!A27","v":"Indicatie netto inkomen pm "},null,{"$f":"'WW uitvoer'!C27:D27","v":174.7685185185185},null,{"$f":"'WW uitvoer'!E27:F27","v":174.7685185185185}]
["Adviesdekking per maand",null,{"$f":"IF(AlgemeenOUD!C9>59,\"U bent ouder\",ROUND((C43-C44)/12,0))","v":0},null,{"$f":"IF(AlgemeenOUD!F9>59,\"U bent ouder\",ROUND((E43-E44)/12,0))","v":0}]
["Bruto maandpremie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>59,\"dan 59 geen\",'AO en WW'!C28)","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>59,\"dan 59 geen\",'AO en WW'!F28)","v":"X"}]
[{"$f":"\"Netto premie bij IB-tarief van \"&100*AlgemeenOUD!C16&\"%\"","v":"Netto premie bij IB-tarief van 36,97%"},null,{"$f":"IF(AlgemeenOUD!C9>59,\"dekking mogelijk\",C47*(1-AlgemeenOUD!C16))","v":{"$error":"#VALUE!"}},null,{"$f":"IF(AlgemeenOUD!F9>59,\"dekking mogelijk\",E47*(1-AlgemeenOUD!C16))","v":{"$error":"#VALUE!"}}]
[null,null,{"$f":"IF(AlgemeenOUD!C9>59,0,IF(C46>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \"))","v":" "},null,{"$f":"IF(AlgemeenOUD!F9>59,0,IF(E46>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \"))","v":" "}]
[{"$f":"IF(H50>0.95,\"Uw hypotheek is (vrijwel) maximaal, deze dekking is derhalve niet van toepassing\",\"Welk inkomen is volgens de GHF norm nodig om uw hypotheeklast te kunnen blijven betalen\")","v":"Uw hypotheek is (vrijwel) maximaal, deze dekking is derhalve niet van toepassing"},null,null,null,null,null,null,{"$f":"IF(E52>0,E52/E53,\" \")","v":" "},null,{"$f":"IF(AND(Algemeen!F20>0,H50<0.95),\"Let op: in deze berekening is de maandlast van de lopende financiering opgenomen\",\" \")","v":" "}]
[]
["Nieuwe hypotheeksom",null,{"$f":"hik_ink1","v":-9.9999999999999995E-7},null,{"$f":"hik_ink2","v":-9.9999999999999995E-7}]
["Verantwoorde hypotheeksom",null,{"$f":"Algemeen!E29","v":0},null,{"$f":"IF(AlgemeenOUD!F10>0,AlgemeenOUD!C35,AlgemeenOUD!C39)","v":0}]
[]
[]
["Bij arbeidsongeschiktheid van:",null,{"$f":"C42","v":""},null,{"$f":"E42","v":0}]
["Verantwoorde hypotheek bij AO inkomen",null,{"$f":"'AO en WW'!C10","v":1},null,{"$f":"'AO en WW'!F10","v":0}]
[]
[{"$f":"IF(OR(P7=TRUE,P9=TRUE),\" \",\"Indien u beiden arbeidsongeschikt bent (ter info):\")","v":"Indien u beiden arbeidsongeschikt bent (ter info):"},null,null,null,{"$f":"'Maximale verstrekking'!L56","v":0}]
[]
[]
[null,null,{"$f":"C56","v":""},null,{"$f":"E56","v":0}]
["Inkomen bij arbeidsongeschiktheid",null,{"$f":"C44","v":0},null,{"$f":"E44","v":0}]
["Benodigd inkomen voor nieuwe hypotheek",null,{"$f":"IF('AO en WW'!C10>'AO en WW'!C11,\"AO inkomen is 'passend'\",'AO en WW'!C12)","v":"AO inkomen is 'passend'"},null,{"$f":"IF('AO en WW'!F10>'AO en WW'!F11,\"AO inkomen is 'passend'\",'AO en WW'!F12)","v":"AO inkomen is 'passend'"}]
["Adviesdekking per maand",null,{"$f":"IF(AlgemeenOUD!C9>59,\"U bent ouder\",IF('AO en WW'!C9<'AO en WW'!C12,ROUND((C64-C63)/12,0),\"X\"))","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>59,\"U bent ouder\",IF('AO en WW'!F10<'AO en WW'!F11,ROUND((E64-E63)/12,0),\"X\"))","v":"X"}]
["Bruto maandpremie (maximale looptijd)",null,{"$f":"IF(C65<125,\"Advies < € 125 per maand\",IF(AlgemeenOUD!C9>59,\"dan 59 geen\",IF(C57>E52,\"X\",'AO en WW'!C33)))","v":"X"},null,{"$f":"IF(E65<125,\"Advies < € 125 per maand\",IF(AlgemeenOUD!F9>59,\"dan 59 geen\",IF(AlgemeenOUD!C7=1,0,IF('AO en WW'!F11>'AO en WW'!F10,'AO en WW'!F33,\"X\"))))","v":0}]
[{"$f":"\"Netto premie bij IB-tarief van \"&100*AlgemeenOUD!C16&\"%\"","v":"Netto premie bij IB-tarief van 36,97%"},null,{"$f":"IF(C65<125,\"Geen dekking mogelijk\",IF(AlgemeenOUD!C9>59,\"dekking mogelijk\",IF(C66=\"X\",\"X\",C66*(1-AlgemeenOUD!C16))))","v":"X"},null,{"$f":"IF(E65<125,\"Geen dekking mogelijk\",IF(AlgemeenOUD!F9>59,\"dekking mogelijk\",IF(E66=\"X\",\"X\",E66*(1-AlgemeenOUD!C16))))","v":0}]
[null,null,{"$f":"IF(AlgemeenOUD!C9>59,0,IF(C65=\"X\",\" \",IF(C65>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \")))","v":" "},null,{"$f":"IF(AlgemeenOUD!F9>59,0,IF(E65=\"X\",\" \",IF(E65>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \")))","v":" "}]

{"sheet":"WW uitvoer","index":74,"n_rows":49,"n_cols":16,"rows_kept":49,"cut":false,"hidden":true,"merged":[[20,4,20,5],[29,2,29,3],[29,4,29,5],[30,2,30,3],[30,4,30,5],[23,2,23,3],[23,4,23,5],[24,2,24,3],[8,8,8,11],[9,8,9,11],[8,1,8,2],[8,4,8,5],[28,2,28,3],[28,4,28,5],[11,4,11,5],[24,4,24,5],[11,1,11,2],[22,0,22,5],[26,2,26,3],[26,4,26,5],[9,1,9,2],[10,1,10,2],[12,0,12,5],[9,4,9,5],[33,4,33,5],[31,0,31,5],[39,4,39,5],[34,4,34,5],[36,4,36,5],[37,2,37,3],[37,4,37,5],[33,2,33,3],[34,2,34,3],[44,2,44,3],[44,4,44,5],[42,2,42,3],[42,4,42,5],[36,2,36,3],[0,0,0,5],[3,0,3,2],[25,2,25,3],[25,4,25,5],[5,4,5,5],[3,3,3,5],[21,0,21,5],[4,4,4,5],[6,1,6,2],[6,4,6,5],[4,1,4,2],[5,1,5,2],[10,4,10,5],[19,2,19,3],[19,4,19,5],[20,2,20,3],[16,2,16,3],[16,4,16,5],[18,2,18,3],[18,4,18,5],[48,2,48,3],[48,4,48,5],[27,2,27,3],[27,4,27,5],[43,2,43,3],[47,2,47,3],[47,4,47,5],[46,2,46,3],[46,4,46,5],[45,2,45,3],[45,4,45,5],[43,4,43,5]]}
[]
[]
[]
[{"$f":"IF(AlgemeenOUD!C18=7,'AO uitvoer'!A3&\" is zelfstandige.\",'AO uitvoer'!A3)","v":" (0)"},null,null,{"$f":"IF(AlgemeenOUD!F18=7,'AO uitvoer'!A18&\" is zelfstandige.\",'AO uitvoer'!A18)","v":"0 (-1)"}]
[null,"Looptijd",null,null,"Looptijd",null,null,null,null,null,null,null,null,null,{"$f":"'AO uitvoer'!O7","v":"Uitkering 1"},{"$f":"'AO uitvoer'!P7","v":false}]
["Aantal maanden 75%",2,null,"Aantal maanden 75%",{"$f":"IF('AO en WW'!F21=3,0,2)","v":2},null,null,null,null,null,null,null,null,null,{"$f":"'AO uitvoer'!O8","v":"Uitkering 2"},{"$f":"'AO uitvoer'!P8","v":true}]
["Aantal maanden 70%","Max. 22 maanden",null,"Aantal maanden 70%","Max. 22 maanden"]
[]
["Huidig inkomen",{"$f":"AlgemeenOUD!C13","v":19777},null,"Huidig inkomen",{"$f":"AlgemeenOUD!F13","v":0}]
["Inkomen 75%",{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,AlgemeenOUD!C13*75%)","v":14832.75},null,"Inkomen 75%",{"$f":"IF(AlgemeenOUD!F13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,AlgemeenOUD!F13*75%)","v":0}]
["Inkomen 70%",{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*70%,AlgemeenOUD!C13*70%)","v":13843.9},null,"Inkomen 70%",{"$f":"IF(AlgemeenOUD!F13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*70%,AlgemeenOUD!F13*70%)","v":0}]
[]
["De duur van de WW uitkering is o.a. afhankelijk of u voldoet aan de weken/jaren eis en uw leeftijd "]
[{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,\"    LET OP; uw jaarloon is groter dan het maximale sociale jaarloon van \",0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1,\" \")","v":" "}]
[]
[]
[null,null,{"$f":"C24","v":""},null,{"$f":"AlgemeenOUD!F6","v":0}]
[]
["Netto hypotheek per maand",null,{"$f":"'AO en WW'!C41","v":14.5}]
["Netto maandpremie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>59,\">59, geen dekking mogelijk\",'AO en WW'!C43)","v":1.7991620185616997E-2},null,{"$f":"IF(AlgemeenOUD!F9>59,\">59, geen dekking mogelijk\",'AO en WW'!F43)","v":4.5185693667393525E-3}]
[{"$f":"\"Netto premie bij IB-tarief van \"&100*AlgemeenOUD!#REF!&\"%\"","v":{"$error":"#REF!"}},null,{"$f":"C20*(1-AlgemeenOUD!#REF!)","v":{"$error":"#REF!"}},null,{"$f":"E20*(1-AlgemeenOUD!#REF!)","v":{"$error":"#REF!"}}]
[]
[{"$f":"IF(OR(AlgemeenOUD!C13>'Financiële Gegevens'!B1,AlgemeenOUD!F13>'Financiële Gegevens'!B1),\"Uw inkomen is hoger dan het sociale jaarloon dus uw terugval is groter\",\" \")","v":" "}]
[null,null,{"$f":"AlgemeenOUD!C6","v":""},null,{"$f":"AlgemeenOUD!F6","v":0}]
["Huidig inkomen",null,{"$f":"'AO uitvoer'!C43:D43","v":0},null,{"$f":"'AO uitvoer'!E43:F43","v":0}]
["Inkomen bij werkloosheid",null,{"$f":"'AO uitvoer'!C8","v":0},null,{"$f":"'AO uitvoer'!C23","v":0}]
["Indicatie netto inkomen pm ",null,{"$f":"'Netto inkomen'!D19","v":174.7685185185185},null,{"$f":"'Netto inkomen'!I19","v":174.7685185185185}]
["Adviesdekking per maand BRUTO",null,{"$f":"IF(AlgemeenOUD!C9>59,\"U bent ouder\",ROUND((C25-C26)/12,0))","v":0},null,{"$f":"IF(AlgemeenOUD!F9>59,\"U bent ouder\",ROUND((E25-E26)/12,0))","v":0}]
[{"$f":"\"Adviesdekking per maand NETTO (\"&AlgemeenOUD!C16*100&\"%)\"","v":"Adviesdekking per maand NETTO (36,97%)"},null,{"$f":"IF(AlgemeenOUD!C9>59,\"dan 59 geen\",C28*(1-AlgemeenOUD!C16))","v":0},null,{"$f":"IF(AlgemeenOUD!F9>59,\"dan 59 geen\",E28*(1-AlgemeenOUD!C16))","v":0}]
["Premie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>59,\"dekking mogelijk\",'AO en WW'!C29)","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>59,\"dekking mogelijk\",'AO en WW'!F29)","v":"X"}]
[null,null,{"$f":"IF(AlgemeenOUD!C9>59,0,IF(C29>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \"))","v":" "},null,{"$f":"IF(AlgemeenOUD!F9>59,0,IF(E29>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \"))","v":" "}]
[{"$f":"IF('AO uitvoer'!H50>0.95,\"Uw hypotheek is (vrijwel) maximaal dus deze dekking is niet van toepassing\",\"Welk inkomen is volgens de GHF norm nodig om uw hypotheeklast te kunnen blijven betalen\")","v":"Uw hypotheek is (vrijwel) maximaal dus deze dekking is niet van toepassing"}]
[]
["Nieuwe hypotheeksom",null,{"$f":"Algemeen!E43","v":0},null,{"$f":"'AO uitvoer'!E52:F52","v":-9.9999999999999995E-7}]
["Verantwoorde hypotheeksom",null,{"$f":"Algemeen!E29","v":0},null,{"$f":"'AO uitvoer'!E53:F53","v":0}]
[]
["Bij werkloosheid van",null,{"$f":"IF('AO uitvoer'!H50>0.95,0,C24)","v":0},null,{"$f":"IF('AO uitvoer'!H50>0.95,0,E43)","v":0}]
["Verantwoorde hypotheek bij WW inkomen",null,{"$f":"'AO uitvoer'!C57:D57","v":1},null,{"$f":"'AO uitvoer'!E57:F57","v":0}]
[]
["Indien u beiden werkloos bent (ter info):",null,null,null,{"$f":"'AO uitvoer'!E59:F59","v":0}]
[]
[]
[null,null,{"$f":"C37","v":0},null,{"$f":"IF('AO uitvoer'!H50>0.95,0,AlgemeenOUD!F6)","v":0}]
["Inkomen bij werkloosheid",null,{"$f":"C26","v":0},null,{"$f":"E26","v":0}]
["Benodigd inkomen",null,{"$f":"IF('AO en WW'!C11>'AO en WW'!C10,'AO en WW'!C12,\"WW-inkomen is 'passend'\")","v":"WW-inkomen is 'passend'"},null,{"$f":"IF('AO en WW'!F11>'AO en WW'!F10,'AO en WW'!F12,\"WW-inkomen is 'passend'\")","v":"WW-inkomen is 'passend'"}]
["Adviesdekking per maand BRUTO",null,{"$f":"IF(AlgemeenOUD!C9>59,\"U bent ouder\",IF('AO en WW'!C11>'AO en WW'!C10,ROUND((C45-C44)/12,0),\"X\"))","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>59,\"U bent ouder\",IF('AO en WW'!F11>'AO en WW'!F10,ROUND((E45-E44)/12,0),\"X\"))","v":"X"}]
[{"$f":"\"Adviesdekking per maand NETTO (\"&100*AlgemeenOUD!C16&\"%)\"","v":"Adviesdekking per maand NETTO (36,97%)"},null,{"$f":"IF(AlgemeenOUD!C9>59,\"dan 59 geen\",IF(C46=\"X\",\"X\",ROUND(C46*(1-AlgemeenOUD!C16),0)))","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>59,\"dan 59 geen\",IF(E46=\"X\",\"X\",ROUND(E46*(1-AlgemeenOUD!C16),0)))","v":"X"}]
["Premie (maximale looptijd)",null,{"$f":"IF(C47<125,\"Geen dekking, premie < € 125\",IF(AlgemeenOUD!C9>59,\"dekking mogelijk\",IF('AO en WW'!C11>'AO en WW'!C10,'AO en WW'!C34,\"X\")))","v":"X"},null,{"$f":"IF(E47<125,\"Geen dekking, premie < € 125\",IF(AlgemeenOUD!C7<3,\" \",IF(AlgemeenOUD!F9>59,\"dekking mogelijk\",IF('AO en WW'!F11>'AO en WW'!F10,'AO en WW'!F34,\"X\"))))","v":" "}]
[null,null,{"$f":"IF(AlgemeenOUD!C9>59,0,IF(C47=\"X\",\" \",IF(C47>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \")))","v":" "},null,{"$f":"IF(AlgemeenOUD!F9>58,0,IF(E47=\"X\",\" \",IF(E47>'AO en WW'!C37,\"(Dekking max. € 2.500 pm)\",\" \")))","v":" "}]

{"sheet":"Pensioen","index":75,"n_rows":99,"n_cols":28,"rows_kept":99,"cut":false,"hidden":true,"merged":[[35,12,35,14],[36,12,36,14],[35,4,35,6],[36,4,36,6],[22,9,22,11],[22,12,22,14],[23,9,23,11],[23,12,23,14],[24,9,24,11],[24,12,24,14],[25,9,25,11],[25,12,25,14],[26,9,26,11],[26,12,26,14],[27,9,27,11],[27,12,27,14],[27,1,27,3],[23,4,23,6],[22,4,22,6],[24,4,24,6],[25,4,25,6],[26,4,26,6],[27,4,27,6],[22,1,22,3],[23,1,23,3],[24,1,24,3],[25,1,25,3],[26,1,26,3],[5,4,5,6],[5,12,5,14],[6,1,6,3],[6,4,6,6],[6,9,6,11],[6,12,6,14],[31,16,31,17],[6,40,6,43],[6,44,6,45],[6,46,6,47],[7,4,7,6],[7,12,7,14],[11,4,11,6],[29,4,29,6],[30,4,30,6],[13,4,13,6],[15,4,15,6],[16,4,16,6],[29,12,29,14],[30,12,30,14],[32,4,32,5],[32,16,32,17],[33,16,33,17],[33,4,33,6],[32,12,32,13],[33,12,33,14],[38,16,38,17],[46,1,47,3],[46,4,47,6],[46,7,46,8],[46,10,47,10],[46,11,46,13],[46,14,46,15],[47,12,47,13],[39,4,39,6],[38,4,38,6],[48,1,48,2],[48,4,48,5],[48,12,48,13],[49,1,49,2],[49,4,49,5],[49,12,49,13],[51,5,51,6],[56,4,56,6],[57,4,57,6],[53,1,53,14],[50,1,50,2],[50,4,50,5],[50,12,50,13],[58,4,58,6],[56,12,56,14],[57,12,57,14],[58,12,58,14],[55,5,55,6],[55,13,55,14]]}
[]
[null,{"$f":"Algemeen!B2","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Krediet 1","Krediet 2"]
[]
[]
[null,"Naam 1e aanvrager",null,null,{"$f":"Algemeen!E6","v":""},null,null,null,null,"Naam 2e aanvrager",null,null,{"$f":"Algemeen!M6&\"\"","v":"0"},null,null,null,null,null,null,null,null,"PL ",1,{"$f":"IF(AND(I42=1,K34>0,K36>0),PMT(K34/12,K36*12,-K32),0)","v":0},{"$f":"IF(AND(O42=1,Q34>0,Q36>0),PMT(Q34/12,Q36*12,-Q32),0)","v":0}]
[null,"Geboortedatum ",null,null,{"$f":"Algemeen!E7","v":"00:00:00"},null,null,null,null,"Geboortedatum",null,null,{"$f":"Algemeen!M7","v":"00:00:00"},null,null,null,null,null,null,null,null,"Rentekrediet",2,{"$f":"K32*(K34/12)","v":0},{"$f":"Q32*(Q34/12)","v":0}]
[null,null,null,null,{"$f":"Algemeen!E8","v":"0 jaar"},null,null,null,null,null,null,{"$f":"IF(D9<2,-1,IF(M7=0,0,TRUNC((TODAY()-M7)/365.25)))","v":-1},{"$f":"Algemeen!M8","v":"-1 jaar"},null,null,null,null,null,null,null,null,"DK 1%",3,{"$f":"K32*1%","v":0},{"$f":"Q32*1%","v":0}]
[{"$f":"AlgemeenOUD!C64","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DK 1,5%",4,{"$f":"K32*1.5%","v":0},{"$f":"Q32*1.5%","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DK 2%",5,{"$f":"K32*2%","v":0},{"$f":"Q32*2%","v":0}]
[]
[null,"Burgerlijke status",null,null,"Alleenstaand"]
[]
[null,"Huige woonsituatie"]
[]
[null,"Beroep",null,null,null,null,null,null,null,"Beroep"]
[null,"Dienstverband",null,null,null,null,null,null,null,"Dienstverband"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,true]
[]
[]
[null,"Pensioenuitvoerder",null,null,"Bruto per jaar",null,null,null,null,"Pensioenuitvoerder",null,null,"Bruto per jaar"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pens ink",null,null,null,null,null,null,null,null,{"$f":"MAX(E34,M34)","v":19777}]
[]
[]
[]
[]
[null,"AOW",null,null,{"$f":"'Pensioen uitvoer'!B9","v":19777},null,null,null,null,"AOW",null,null,{"$f":"'Pensioen uitvoer'!E9","v":13481},null,null,null,null,null,null,null,1,"PL ","A","Annuïteit",1]
[null,"AOW zelf invullen",null,null,null,null,null,null,null,"AOW zelf invullen"]
[null,"Korting",null,"Aantal jaar?",null,null,null,null,null,"Korting",null,"Aantal jaar?",null,null,null,null,null,null,null,null,2,"Rentekrediet",null,"Lineair",2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"DK 1%","D","Aflosvrij",3]
[null,"TOTAAL pensioeninkomen pj",null,null,{"$f":"'Pensioen uitvoer'!B16","v":19777},null,null,null,null,"TOTAAL pensioeninkomen pj",null,null,{"$f":"'Pensioen uitvoer'!E16","v":13481},null,null,null,null,null,null,null,4,"DK 1,5%","D"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"DK 2%","D"]
[null,"Huidig netto inkomen pm",null,null,null,null,null,null,null,"Huidig netto inkomen pm"]
[null,"Geschat netto pensioen pm",null,null,{"$f":"'Pensioen 1e'!J20","v":1560.4052999999999},null,null,null,null,"Geschat netto pensioen pm",null,null,{"$f":"'Pensioen 2e'!J19","v":1063.6509000000001}]
[]
[null,{"$f":"IF(Alg_reden=\"2e hypotheek\",\"Som 1e en 2e hypotheek\",\"Hypotheek bij aanvang\")","v":"Hypotheek bij aanvang"},null,null,{"$f":"IF(Alg_reden=\"2e hypotheek\",alg_hypsom+Alg_schuld,Algemeen!E43)","v":0},null,null,null,null,{"$f":"IF(T20=TRUE,\"Vul maandlast krediet(en) in\",\"Krediet(en) op pensioendatum\")","v":"Krediet(en) op pensioendatum"},null,null,true]
[null,"Hypotheekstand AOW datum"]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vast",null,{"$f":"CHAR(64+COLUMN(J50))","v":"J"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"%","Aftrekbaar",null,"Type(A/L/)",null,{"$f":"CHAR(64+COLUMN(V49))","v":"V"},{"$f":"CHAR(64+COLUMN(T49))","v":"T"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(M49=0,100%,MIN(1,M49/E49))","v":1},{"$f":"S49","v":0},"Looptijd",null,{"$f":"CHAR(64+COLUMN(H49))","v":"H"},{"$f":"CHAR(64+COLUMN(I50))","v":"I"},{"$f":"CHAR(64+COLUMN(L50))","v":"L"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S50=\"D\",VALUE(MID(B50,3,255)),0)","v":0},{"$f":"IF(M50=0,100%,MIN(1,M50/E50))","v":1},{"$f":"IFERROR(VLOOKUP(S50,$R$43:$S$45,2,),\"\")","v":""},"Percentage",null,{"$f":"CHAR(64+COLUMN(K50))","v":"K"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(S51=\"D\",VALUE(MID(B51,3,255)),0)","v":0},{"$f":"IF(M51=0,100%,MIN(1,M51/E51))","v":1},{"$f":"IFERROR(VLOOKUP(S51,$R$43:$S$45,2,),\"\")","v":""},"Extra",null,{"$f":"CHAR(64+COLUMN(P50))","v":"P"},{"$f":"CHAR(64+COLUMN(O50))","v":"O"},{"$f":"CHAR(64+COLUMN(R50))","v":"R"}]
[null,"Werkelijk afgelost op AOW?",null,null,"Hoeveel?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aftrekbaar",null,null,null,{"$f":"CHAR(64+COLUMN(U49))","v":"U"}]
[null,"Zet in uitvoer 'Afhankelijk van uw hypotheek keuze'",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afsl direct"]
[null,"Hypotheekgegevens pensioendatum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoofdsom",null,{"$f":"CHAR(64+COLUMN(G50))","v":"G"}]
[]
[null,"Toetsrente",null,null,{"$f":"PensioenOUD!C25","v":3.799999999999825E-2}," 100% BOX 1",null,null,null,"Toetsrente",null,null,{"$f":"PensioenOUD!F25","v":3.799999999999825E-2}," 100% BOX 3"]
[null,{"$f":"PensioenOUD!B26","v":"Maximaal GHF "},null,null,{"$f":"PensioenOUD!C26","v":65434.189634685456},null,null,null,null,{"$f":"PensioenOUD!E26","v":"Maximaal GHF "},null,null,{"$f":"PensioenOUD!F26","v":63665.698022964025}]
[null,{"$f":"PensioenOUD!B27","v":"Verantwoorde jaarlast GFH"},null,null,{"$f":"PensioenOUD!C27","v":3658.7449999984583},null,null,null,null,{"$f":"PensioenOUD!E27","v":"Verantwoorde jaarlast GFH"},null,null,{"$f":"PensioenOUD!F27","v":3559.8600000000006}]
[null,{"$f":"PensioenOUD!B28","v":"Maximaal op basis van aflosvrij"},null,null,{"$f":"PensioenOUD!C28","v":96282.763157858601},null,null,null,null,{"$f":"PensioenOUD!E28","v":"Maximaal op basis van aflosvrij"},null,null,{"$f":"PensioenOUD!F28","v":93680.526315793802}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["aow zelf 1",false]
["Jaren korting",false]
[]
["aow zelf 2",false]
["Jaren korting",false]
[]
["Afgelost",false]
[]
["Keuze afhankelijk",{"$f":"IF(B99=TRUE,TRUE,FALSE)","v":false}]
["Aflosvrij ",{"$f":"Algemeen!$R$43","v":false}]

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[]
[null,null,null,null,{"$f":"VLOOKUP(M9,O5:Q7,2,FALSE)","v":"Huuroverzicht"}]
[null,null,null,null,{"$f":"Gegevens!I6","v":""}]
[]
[null,null,null,null,{"$f":"VLOOKUP(M9,O5:Q7,3,FALSE)","v":"Huur per maand"},null,null,{"$f":"M14","v":500},null,null,null,null,null,null,1,"Huuroverzicht","Huur per maand",500]
[null,null,null,null,"Stijging per jaar",null,null,3.5000000000000003E-2,null,{"$f":"H6+1","v":1.0349999999999999},null,null,null,null,2,"Erfpacht","Erfpacht per maand",150]
[null,null,null,null,"Stijging per jaar",null,null,0.05,null,{"$f":"H7+1","v":1.05},null,null,null,null,3,"Grondprijs","Grondprijs",75000]
[]
[null,null,{"$f":"'Vrije Keuze'!B40","v":""},{"$f":"'Vrije Keuze'!C40","v":"Lft"},"Jaren",{"$f":"H6","v":3.5000000000000003E-2},null,{"$f":"H7","v":0.05},null,null,null,null,1]
[null,null,{"$f":"'Vrije Keuze'!B42","v":""},{"$f":"'Vrije Keuze'!C42","v":0},1,{"$f":"H5*(100+H$6)%","v":500.17500000000001},null,{"$f":"H5*(100+H$7)%","v":500.25}]
[null,null,{"$f":"'Vrije Keuze'!B43","v":""},{"$f":"'Vrije Keuze'!C43","v":1},{"$f":"E10+1","v":2},{"$f":"F10*J6","v":517.68112499999995},null,{"$f":"H10*J7","v":525.26250000000005}]
[null,null,{"$f":"'Vrije Keuze'!B44","v":""},{"$f":"'Vrije Keuze'!C44","v":2},3,{"$f":"F11*J$6","v":535.79996437499994},null,{"$f":"H11*J$7","v":551.5256250000001}]
[null,null,{"$f":"'Vrije Keuze'!B45","v":""},{"$f":"'Vrije Keuze'!C45","v":3},4,{"$f":"F12*J$6","v":554.55296312812493},null,{"$f":"H12*J$7","v":579.10190625000018},null,null,null,null,{"$f":"E5","v":"Huur per maand"}]
[null,null,{"$f":"'Vrije Keuze'!B46","v":""},{"$f":"'Vrije Keuze'!C46","v":4},5,573.96231683760925,null,608.0570015625002,null,null,null,null,{"$f":"VLOOKUP(M9,O5:R7,4,FALSE)","v":500},"<= Vrij invulbaar"]
[null,null,{"$f":"'Vrije Keuze'!B47","v":""},{"$f":"'Vrije Keuze'!C47","v":5},6,594.05099792692556,null,638.45985164062529]
[null,null,{"$f":"'Vrije Keuze'!B48","v":""},{"$f":"'Vrije Keuze'!C48","v":6},7,614.8427828543679,null,670.38284422265656]
[null,null,{"$f":"'Vrije Keuze'!B49","v":""},{"$f":"'Vrije Keuze'!C49","v":7},8,636.36228025427067,"Na 10 jaar",703.90198643378938,"Na 10 jaar"]
[null,null,{"$f":"'Vrije Keuze'!B50","v":""},{"$f":"'Vrije Keuze'!C50","v":8},9,658.63496006317007,"is betaald:",739.09708575547893,"is betaald:"]
[null,null,{"$f":"'Vrije Keuze'!B51","v":""},{"$f":"'Vrije Keuze'!C51","v":9},10,681.68718366538099,{"$f":"SUM(F10:F19)*12","v":70412.994889258189},776.0519400432529,{"$f":"SUM(H10:H19)*12","v":75505.088890899657}]
[null,null,{"$f":"'Vrije Keuze'!B52","v":""},{"$f":"'Vrije Keuze'!C52","v":10},11,705.54623509366922,null,814.85453704541555]
[null,null,{"$f":"'Vrije Keuze'!B53","v":""},{"$f":"'Vrije Keuze'!C53","v":11},12,730.24035332194762,null,855.59726389768639]
[null,null,{"$f":"'Vrije Keuze'!B54","v":""},{"$f":"'Vrije Keuze'!C54","v":12},13,755.79876568821578,null,898.37712709257073]
[null,null,{"$f":"'Vrije Keuze'!B55","v":""},{"$f":"'Vrije Keuze'!C55","v":13},14,782.25172248730325,null,943.29598344719932]
[null,null,{"$f":"'Vrije Keuze'!B56","v":""},{"$f":"'Vrije Keuze'!C56","v":14},15,809.63053277435881,null,990.46078261955938]
[null,null,{"$f":"'Vrije Keuze'!B57","v":""},{"$f":"'Vrije Keuze'!C57","v":15},16,837.96760142146127,null,1039.9838217505373]
[null,null,{"$f":"'Vrije Keuze'!B58","v":""},{"$f":"'Vrije Keuze'!C58","v":16},17,867.2964674712124,null,1091.9830128380643]
[null,null,{"$f":"'Vrije Keuze'!B59","v":""},{"$f":"'Vrije Keuze'!C59","v":17},18,897.6518438327048,"Na 20 jaar ",1146.5821634799674,"Na 20 jaar "]
[null,null,{"$f":"'Vrije Keuze'!B60","v":""},{"$f":"'Vrije Keuze'!C60","v":18},19,929.06965836684935,"is betaald:",1203.911271653966,"is betaald:"]
[null,null,{"$f":"'Vrije Keuze'!B61","v":""},{"$f":"'Vrije Keuze'!C61","v":19},20,961.58709640968902,{"$f":"SUM(F10:F29)*12","v":169737.47821166716},1264.1068352366642,{"$f":"SUM(H10:H29)*12","v":198494.92247963918}]
[null,null,{"$f":"'Vrije Keuze'!B62","v":""},{"$f":"'Vrije Keuze'!C62","v":20},21,995.24264478402802,null,1327.3121769984975]
[null,null,{"$f":"'Vrije Keuze'!B63","v":""},{"$f":"'Vrije Keuze'!C63","v":21},22,1030.076137351469,null,1393.6777858484224]
[null,null,{"$f":"'Vrije Keuze'!B64","v":""},{"$f":"'Vrije Keuze'!C64","v":22},23,1066.1288021587704,null,1463.3616751408435]
[null,null,{"$f":"'Vrije Keuze'!B65","v":""},{"$f":"'Vrije Keuze'!C65","v":23},24,1103.4433102343273,null,1536.5297588978858]
[null,null,{"$f":"'Vrije Keuze'!B66","v":""},{"$f":"'Vrije Keuze'!C66","v":24},25,1142.0638260925286,null,1613.3562468427801]
[null,null,{"$f":"'Vrije Keuze'!B67","v":""},{"$f":"'Vrije Keuze'!C67","v":25},26,1182.036060005767,null,1694.0240591849192]
[null,null,{"$f":"'Vrije Keuze'!B68","v":""},{"$f":"'Vrije Keuze'!C68","v":26},27,1223.4073221059687,null,1778.7252621441653]
[null,null,{"$f":"'Vrije Keuze'!B69","v":""},{"$f":"'Vrije Keuze'!C69","v":27},28,1266.2265783796774,null,1867.6615252513736]
[null,null,{"$f":"'Vrije Keuze'!B70","v":""},{"$f":"'Vrije Keuze'!C70","v":28},29,1310.5445086229661,null,1961.0446015139423]
[null,null,{"$f":"'Vrije Keuze'!B71","v":""},{"$f":"'Vrije Keuze'!C71","v":29},30,1356.4135664247699,null,2059.0968315896394]
[]
[null,null,null,{"$f":"IF(M9=3,\" \",\"Totaal\")","v":"Totaal"},null,{"$f":"IF(M9=3,\" \",SUM(F10:F39)*12)","v":309844.47128559049},null,{"$f":"IF(M9=3,\" \",SUM(H10:H39)*12)","v":398832.40156058886}]
[]
[]
[]
[]
[null,null,null,{"$f":"IF(M9=1,\"De huurprijs is gebonden aan een wettelijk maximum en\",\"\")","v":"De huurprijs is gebonden aan een wettelijk maximum en"}]
[null,null,null,{"$f":"IF(M9=1,\"is per woning woning verschilldend\",\" \")","v":"is per woning woning verschilldend"}]

{"sheet":"Financiële Gegevens","index":77,"n_rows":103,"n_cols":21,"rows_kept":103,"cut":false,"hidden":true,"merged":[[11,2,11,8]]}
["Max. dagloon",71628,"https://www.hr-kiosk.nl/hoofdstuk/tabellen/maximumdagloon-tabellen-1"]
["Max. dagen",261]
["ANW",19331,"http://www.svb.nl/int/nl/anw/inkomsten/werkgever_zelfstandige/index.jsp",null,null,null,null,null,null,"http://www.rijksoverheid.nl/documenten-en-publicaties/vragen-en-antwoorden/hoe-hoog-is-de-anw-uitkering.html",null,null,null,null,null,null,"NHG"]
["Bruto minimum loon",{"$f":"531*4.33","v":2299.23},null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016,1.02]
["Minimum per jaar",{"$f":"B4*12.96","v":29798.020800000002},null,null,null,null,null,null,null,null,null,null,null,null,null,null,2017,1.01]
["Netto minimum loon",1728]
["Netto vakantietoeslag",77,"(netto loon staat vermeld bij ANW !!)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!D35","v":2017},{"$f":"VLOOKUP(Q7,Q4:R5,2)","v":1.01}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tarief",8.9999999999999993E-3,{"$f":"VLOOKUP(T10,T12:U13,2,FALSE)","v":6.0000000000000001E-3},"= wordt gebruikt"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Verwijst naar fin.voorstel",null,null,2022]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Algemeen!G29=2019,alg_hypsom*'Financiële Gegevens'!R9,alg_hypsom*'Financiële Gegevens'!S9)","v":0}]
["AOW alleenstaand",19777,"http://www.svb.nl/int/nl/aow/hoogte_aow/bedragen/",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2021,7.0000000000000001E-3]
["AOW gehuwd/samenwonend, p.p.",13481,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2022,6.0000000000000001E-3]
["Zorgverzekeringsbijdrage",5.3199999999999997E-2,null,null,null,null,null,null,null,"Jaar",2024]
[]
[]
["Vrijstelling ANW",881]
[null,null,"x"]
[]
["Tarieven -65","http://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/boxen_en_tarieven/overzicht_tarieven_en_schijven/u_hebt_in_2015_de_aow_leeftijd_nog_niet_bereikt"]
[]
[0,20384,0.36969999999999997,null,null,"Tarieven"," > Klik hier <",{"$f":"D69","v":0.36969999999999997},null,"Heffingskortingen:",null,"Zie AO uitkering netto inkomen!"]
[{"$f":"B22+1","v":20385},38098,{"$f":"C22","v":0.36969999999999997},null,null,1,{"$f":"C29","v":0.19070000000000001}]
[{"$f":"B23+1","v":38099},75518,{"$f":"C23","v":0.36969999999999997},null,null,2,{"$f":"C30","v":0.19070000000000001}]
[{"$f":"B24+1","v":75519},12000000,0.495,null,null,3,{"$f":"C22","v":0.36969999999999997}]
[null,null,null,null,null,4,{"$f":"C23","v":0.36969999999999997}]
["Tarieven AOW er",null,null,null,null,5,{"$f":"C25","v":0.495},null,null,"LET OP: in berekening Vrije Keuze is uitgegaan van gelijke grote van trede voor -65 en +65, zie BH4"]
[]
[0,{"$f":"B22","v":20384},0.19070000000000001,null,1,{"$f":"IF(#REF!<='Financiële Gegevens'!B29,'Financiële Gegevens'!C29,0)","v":{"$error":"#REF!"}},{"$f":"IF(F29>0,F29,0)","v":{"$error":"#REF!"}},null,null,"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/heffingskortingen/algemene_heffingskorting/"]
[{"$f":"B29+1","v":20385},38089,{"$f":"C29","v":0.19070000000000001},null,2,{"$f":"AND(#REF!>='Financiële Gegevens'!A30,#REF!<='Financiële Gegevens'!B30,'Financiële Gegevens'!C30)","v":{"$error":"#REF!"}},{"$f":"IF(F30=TRUE,C30,0)","v":{"$error":"#REF!"}},null,null,"Max",75518]
[{"$f":"B30+1","v":38090},{"$f":"B24","v":75518},0.36969999999999997,null,3,{"$f":"AND(#REF!>='Financiële Gegevens'!A31,#REF!<='Financiële Gegevens'!B31,C31)","v":{"$error":"#REF!"}},{"$f":"IF(F31=TRUE,#REF!,0)","v":{"$error":"#REF!"}},null,null,"Min",24812]
[{"$f":"B31+1","v":75519},12000000,0.495,null,4,{"$f":"IF(#REF!>='Financiële Gegevens'!A32,#REF!,0)","v":{"$error":"#REF!"}},{"$f":"IF(F32>0,#REF!,0)","v":{"$error":"#REF!"}},null,null,"Max heff",3362,null,null,null,null,"NHG"]
[null,null,null,null,null,null,null,null,null,"Voor AOW",6.6299999999999998E-2,null,null,null,"Koopgrens",435000]
["Vrijstelling sparen pp",57000,{"$f":"B34*2","v":114000},null,null,null,null,null,null,"Na AOW",3.4200000000000001E-2,null,null,null,"Max.hyp",{"$f":"P33*106%","v":461100}]
["Vrijstelling per kind",null,"vervallen per 1-1-2012",null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",{"$f":"IF('Vrije Keuze'!AI30=2,'Vrije Keuze'!AJ16,5%)","v":0.05}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"20 jaar",0.04]
["WOZ",null,{"$f":"F61*AlgemeenOUD!C16","v":0},"= Bijtelling"]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2024-10-11"}]
["Let op: bij de NETTO gelijke berekening (AE19) en ANN/LIN moet het 52% berekening ELK JAAR in de formule worden aangepast.",null,null,null,null,null,null,null,null,null,null,{"$f":"YEAR(L38)","v":2024},{"$f":"N53","v":0.36969999999999997}]
[]
[]
["AOW:"]
["https://www.svb.nl/int/nl/aow/hoogte_aow/wat_gaat_er_af/"]
[]
["Algemene korting AOW",null,1735,"http://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/heffingskortingen/heffingskortingen_voor_aow_erechtigden"]
["Korting indien inkomen < 35.770",24812,3362,"??","Percentage korting AOW algemene heffing",null,null,null,3.4200000000000001E-2]
["Alleenstaande korting",null,524]
["ouderenkorting",null,2010,"Tot maximaal inkomen",null,58170,"Percentage",0.15,"HIER",null,null,"Tabblad huidige hypotheek",null,null,"Hoogste tarief"]
["Toetsrente",null,0.05,null,null,null,null,null,null,null,null,"Verschil in jaren",null,{"$f":"M53","v":2023},0.46]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"N53","v":0.36969999999999997}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"N49-N50","v":{"$error":"#REF!"}},{"$f":"N51*0.5%","v":{"$error":"#REF!"}}]
["WOZ % berekenen. WOZ:",{"$f":"Algemeen!E36","v":0},null,null,null,null,null,null,null,null,null,"Vandaag","Jaar","Selectie ",{"$f":"MAX(O49-O50)","v":9.0300000000000047E-2}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2024-10-11"},2023,0.36969999999999997,{"$f":"IF(O51>O52,O52,IF(O51<O52,O51,0))","v":{"$error":"#REF!"}}]
[0,12500,0,null,{"$f":"IF(AND(B$52>A54,B$52<B54),1,0)","v":0},{"$f":"IF(E54=1,B$52*C54,0)","v":0},null,null,null,null,null,null,null,null,"Hierboven het maximale bijtellings% voor de huidige hypotheek"]
[12500,25000,1E-3,null,{"$f":"IF(AND(B$52>A55,B$52<B55),1,0)","v":0},{"$f":"IF(E55=1,B$52*C55,0)","v":0}]
[25000,50000,2E-3,null,{"$f":"IF(AND(B$52>A56,B$52<B56),1,0)","v":0},{"$f":"IF(E56=1,B$52*C56,0)","v":0},null,null,null,null,null,{"$f":"M53","v":2023},0.36930000000000002]
[50000,75000,2.5000000000000001E-3,null,{"$f":"IF(AND(B$52>A57,B$52<B57),1,0)","v":0},{"$f":"IF(E57=1,B$52*C57,0)","v":0},null,null,null,null,null,{"$f":"L56+1","v":2024},0.36930000000000002,null,"IB overzidht:"]
[75000,1310000,3.5000000000000001E-3,null,{"$f":"IF(AND(B$52>A58,B$52<B58),1,0)","v":0},{"$f":"IF(E58=1,B$52*C58,0)","v":0},null,null,null,null,null,{"$f":"L57+1","v":2025},{"$f":"M57","v":0.36930000000000002},null,"https://financieel.infonu.nl/belasting/162948-hypotheekrenteaftrek-2020-omlaag.html"]
[{"$f":"B58","v":1310000},100000000,5550,2.35E-2,{"$f":"IF(AND(B$52>=A59,B$52<B59),1,0)","v":0},{"$f":"IF(B52>=A59,7875+((B52-A59)*D59),0)","v":0},null,null,null,null,null,2026,{"$f":"M58","v":0.36930000000000002}]
[null,null,null,null,null,null,null,null,null,null,null,2027,{"$f":"M59","v":0.36930000000000002}]
[null,null,null,null,null,{"$f":"SUM(F54:F60)","v":0},null,null,null,null,null,2028,{"$f":"M60","v":0.36930000000000002},null,null,"2015: 51%;",{"$f":"VALUE(LEFT(P61,4))","v":2015},{"$f":"VALUE(SUBSTITUTE(MID(P61,7,255),\";\",\"\"))","v":0.51}]
[null,null,null,null,null,null,null,null,null,null,null,2029,{"$f":"M61","v":0.36930000000000002},null,null,"2016: 50,5;",{"$f":"VALUE(LEFT(P62,4))","v":2016},50.5]
["Tarieven 65-",null,null,null,null,null,null,null,null,null,null,2030,0.36930000000000002,null,null,"2017: 50%;",2017,0.5]
[null,null,null,null,null,"Inkomen",{"$f":"IF(AlgemeenOUD!F13>AlgemeenOUD!C13,AlgemeenOUD!F13,AlgemeenOUD!C13)+(AlgemeenOUD!C52*AlgemeenOUD!C53)","v":19777},null,null,null,null,2031,0.36930000000000002,null,null,"2018: 49,5%;",2018,0.495]
[{"$f":"A22","v":0},{"$f":"B22","v":20384},{"$f":"C22","v":0.36969999999999997},{"$f":"IF(G64<B65,C65,0)","v":0.36969999999999997},null,"Leeftijd",{"$f":"leeftijd1","v":0},null,null,null,null,2032,0.36930000000000002,null,null,"2019: 49%;",2019,0.49]
[{"$f":"A23","v":20385},38098,0.36969999999999997,{"$f":"IF(AND(G$64>A66,G$64<B66),C66,0)","v":0},null,"Inkomen",{"$f":"IF(PensioenOUD!F19>PensioenOUD!C19,PensioenOUD!F19,PensioenOUD!C19)","v":19777},null,null,null,null,2033,0.36930000000000002,null,null,"2020: 46%;",2020,0.46]
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[75519,12000000,0.495,{"$f":"IF(AND(G$64>A68,G$64<B68),C68,0)","v":0},null,null,null,null,null,null,null,2035,0.36930000000000002,null,null,"2022: 40%;",2022,0.4]
[null,null,null,{"$f":"SUM(D65:D68)","v":0.36969999999999997},null,"MAX IB",{"$f":"MIN(M39,D69)","v":0.36969999999999997},null,null,null,null,2036,0.36930000000000002,null,null,"2023: 37,07%",2023,0.37069999999999997]
["Tarieven AOW er",null,null,null,null,null,null,null,null,null,null,2037,0.36930000000000002]
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[0,20384,0.19070000000000001,{"$f":"IF(G66<B72,C72,0)","v":0.19070000000000001},null,null,null,null,null,null,null,2039,0.36930000000000002]
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[75519,12000000,0.495,{"$f":"IF(G67>A75,C75,0)","v":0},null,null,null,null,null,null,null,2042,0.36930000000000002]
[null,null,null,{"$f":"MIN(Q71,SUM(D72:D75))","v":0.19070000000000001},null,null,null,null,null,null,null,2043,0.36930000000000002]
[null,null,null,null,null,null,null,null,null,null,null,2044,0.36930000000000002]
[null,null,null,null,null,null,null,null,null,null,null,2045,0.36930000000000002]
[null,null,null,null,null,null,null,null,null,null,null,2046,0.36930000000000002]
[null,null,null,null,null,null,null,null,null,null,null,2047,0.36930000000000002]
["Datum in advies",false,null,null,null,null,null,null,null,null,null,2048,0.36930000000000002]
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[null,null,null,null,null,null,null,null,null,null,null,2050,0.36930000000000002]
[null,null,null,null,null,null,null,null,null,null,null,2051,0.36930000000000002]
[null,null,null,null,null,null,null,null,null,null,null,2052,0.36930000000000002]
[null,null,null,null,null,null,null,null,null,null,null,2053,0.36930000000000002]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Box 3"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Spaargeld",1.03E-2]
[null,null,null,null,null,null,null,null,null,null,null,"Beleggingen",6.0400000000000002E-2]
[null,null,null,null,null,null,null,null,null,null,null,"Schulden",2.47E-2]
[null,null,null,null,null,null,null,null,null,null,null,"Tarief",0.36]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Vrijstelling",3]
[null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,2,57000]
[null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"M99*2","v":114000}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(M97,L98:M100,2)","v":114000}]
[null,null,null,null,null,null,null,null,null,null,null,"Doeldrempel",3700]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M102*2","v":7400}]

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[]
[null,null,null,null,null,null,null,{"$f":"'Financiële Gegevens'!M93","v":6.0400000000000002E-2},null,"Belegging",null,"*",100000,null,{"$f":"M8*H8","v":6040}]
[]
[null,null,null,null,null,null,null,{"$f":"'Financiële Gegevens'!M94","v":2.47E-2},null,"Schulden box 3",null,"*",null,null,{"$f":"(-Q10)*H10","v":0},null,{"$f":"IF(M10=0,0,MAX(1,M10-R10))","v":0},{"$f":"M14","v":3400}]
[]
[null,null,null,null,null,null,null,null,null,"Rendementsgrondslag",null,null,{"$f":"M8+M6-Q10","v":300000}]
[null,null,null,null,null,null,null,null,null,"Heffingsvrij",null,"*",57000,null,null,null,null,57000,{"$f":"R13*2","v":114000}]
[null,null,null,null,null,null,null,null,null,"Schuldendrempel",null,"*",3400,null,null,null,null,3400,{"$f":"R14*2","v":6800}]
[null,null,null,null,null,null,null,null,null,"Grondslag",null,null,{"$f":"(MAX(0,M12-M13))","v":243000}]
[]
[null,null,null,null,null,null,null,null,null,"Berekening"]
[]
[null,null,null,null,null,null,null,null,null,"Aandeel grondslag",null,null,{"$f":"M15/M12","v":0.81}]
[null,null,null,null,null,null,null,null,null,"Belastbaar rendement",null,null,{"$f":"SUM(O6:O10)","v":8100}]
[null,null,null,null,null,null,null,null,null,"Voordeel uit sparen en beleggen",null,null,{"$f":"M20*M19","v":6561}]
[]
[null,null,null,null,null,null,null,null,null,"Belasting box 3",null,null,0.36]
[]
[null,null,null,null,null,null,null,null,null,"Te betalen belasting",null,null,{"$f":"M21*M23","v":2361.96}]

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[null,null,null,null,null,"Zelf in te vullen:"]
[]
[null,"Aanvrager 1",{"$f":"AlgemeenOUD!C6","v":""},null,null,"Klik HIER voor een overzicht van de gemeentelijke lasten"]
[null,{"$f":"IF(AlgemeenOUD!C7>1,\"Aanvrager 2\",\" \")","v":" "},{"$f":"AlgemeenOUD!F6","v":0},null,null,null,null,null,null,"WOZ","=> zelf invullen of komt uit ALGEMEEN"]
[]
[null,"Inkomsten per maand","Huidige situatie","Nieuwe situatie",null,"OZB %",null,null,1.23E-3,{"$f":"AlgemeenOUD!C50","v":0},{"$f":"J6*I6","v":0}]
[null,"Netto inkomen (excl. reiskosten) aanvrager 1",null,null,null,{"$f":"IF(AlgemeenOUD!C7=1,\"Reinigingsheffing alleen\",\"Reinigingsheffing gezin\")","v":"Reinigingsheffing alleen"},null,null,329,null,null,null,null,null,null,null,null,"Anders"]
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[null,"Kinderbijslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lineair"]
[null,"Vergoeding reiskosten",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balans"]
[null,"Overig inkomen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Optimaal"]
[null,"Totaal te besteden per maand",{"$f":"SUM(C7:C11)","v":0},{"$f":"SUM(D7:D11)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[]
[null,"Uitgaven per maand","Huidige situatie","Nieuwe situatie",null,null,null,null,null,1]
[null,"Netto maandlasten (hypotheek/huur)",null,null,null,null,null,null,null,2,"Annuiteit",null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,"Servicekosten",null,null,null,null,null,null,null,3,"Lineair",null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,"Erfpacht",null,null,null,null,null,null,null,4,"Balans ",null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[null,"Telefonie (vast en mobiel) / Internet / TV",null,null,null,null,null,null,null,5,"Optimaal",null,{"$f":"Optimaalhypotheek1!O19","v":{"$error":"#VALUE!"}}]
[null,"Gemeentelijke belasting",{"$f":"(I7+I8+K6)/12","v":42.75},{"$f":"(I7+I8+K6)/12","v":42.75}]
[null,"Gas / Water / Electra",null,null,null,null,null,null,null,null,1]
[null,"Verzekeringen (inboedel/opstal/auto etc.)"]
[null,"Levensverzekeringen",null,{"$f":"IF(R12=1,0,IF(R12=2,#REF!,IF(Budget!R12=3,#REF!,IF(Budget!R12=4,#REF!,IF(Budget!R12=5,Optimaalhypotheek1!$K$7)))))","v":0}]
[null,"Ziektekosten"]
[null,"Boodschappen"]
[null,"Autokosten (belasting/onderhoud/benzine)"]
[null,"Reiskosten / OV"]
[null,"Onderhoud woning"]
[null,"Abonnementen"]
[null,"Kleding"]
[null,"Ontspanning; uit eten / bioscoop / etc."]
[null,"Sport / Hobby / Contributie"]
[null,"Kinderen "]
[]
[null,"Bovenstaande uitgaven zijn overschrijfbaar"]
[null,"en hier zijn regels waarin overige uitgaven "]
[null,"vermeld kunnen worden."]
[]
[null,"Totale uitgaven per maand ",{"$f":"SUM(C15:C37)","v":42.75},{"$f":"SUM(D15:D37)","v":42.75}]
[]
[null,"Resterend budget",{"$f":"C12-C38","v":-42.75},{"$f":"D12-D38","v":-42.75}]
[]
[null,"Inkomsten per jaar","Huidige situatie","Nieuwe situatie"]
[null,"Vakantiegeld / 13e maand aanvrager 1"]
[null,{"$f":"IF(AlgemeenOUD!C7=3,\"Vakantiegeld / 13e maand aanvrager 2\",IF(AlgemeenOUD!C7=2,\"Geen inkomen 2e aanvrager\",\"Geen 2e aanvrager\"))","v":"Geen 2e aanvrager"}]
[null,"Aanvullend besteedbaar per jaar",{"$f":"SUM(C43:C44)","v":0},{"$f":"SUM(D43:D44)","v":0}]
[]
[null,"Toelichting:"]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Algemeen!E26","v":10},5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AA5","v":0},2.35E-2]
[null,null,null,{"$f":"IF(Aflosvrij_leningdeel>0,\"Annuïteit & afl.vrij\",\"Annuïteit\")","v":"Annuïteit"},null,{"$f":"Alg_naschuif","v":0},{"$f":"AlgemeenOUD!B123&\" jaar\"","v":"30 jaar"},{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2},null,{"$f":"Algemeen!E26&\" jr\"","v":"10 jr"},{"$f":"Overlijden!AD27+Overlijden!AD33","v":0},{"$f":"Overlijden!AE31+Overlijden!AE34","v":0},{"$f":"AnO!G40/12","v":0},{"$f":"AnO!O8","v":"Geen"},{"$f":"(AnO!I40/12)-(IF(AnO!O8=\"Geen\",0,AnO!O8))","v":0},{"$f":"IF($BQ$7=TRUE,IF('AO uitvoer'!$H$50>0.95,'AO en WW'!N28+'AO en WW'!O28,'AO en WW'!N33+'AO en WW'!O33),0)","v":0},{"$f":"IF($BQ$7=TRUE,IF('AO uitvoer'!$H$50>0.95,'AO en WW'!N29+'AO en WW'!O29,'AO en WW'!N34+'AO en WW'!O34),0)","v":0},{"$f":"AlgemeenOUD!C41","v":14.5},{"$f":"AnO!O40+IF($BQ$7=TRUE,P10+Q10,0)","v":14.5},{"$f":"S10-U10+IF($BQ$7=TRUE,'AO en WW'!P35,0)","v":0},{"$f":"AnO!P40+IF($BQ$7=TRUE,P10+Q10,0)-IF($BQ$7=TRUE,'AO en WW'!P35,0)","v":14.5},{"$f":"Alg_naschuif-Aflosvrij_leningdeel","v":0},null,{"$f":"IF(AI12=FALSE,\"Zet vink aan voor 2e annuiteit in 'Voorstel'\",\"Vul de gegevens in en zie tab 'Berekeningen'\")","v":"Zet vink aan voor 2e annuiteit in 'Voorstel'"}]
[null,null,null,"Annuïteit",null,{"$f":"'Berekening bij Voorstel HOR'!G5","v":0},{"$f":"'Berekening bij Voorstel HOR'!H21&\" jaar\"","v":"30 jaar"},{"$f":"'Berekening bij Voorstel HOR'!K21","v":3.7999999999999999E-2},null,{"$f":"'Berekening bij Voorstel HOR'!J21&\" jr\"","v":"20 jr"},{"$f":"IF(AI12=FALSE,0,K10)","v":0},{"$f":"IF($AI$12=TRUE,K11,0)","v":0},{"$f":"'Berekening bij Voorstel HOR'!G41/12","v":0},{"$f":"N10","v":"Geen"},{"$f":"('Berekening bij Voorstel HOR'!J41/12)-IF(N11=\"Geen\",0,N11)","v":0},{"$f":"P10","v":0},{"$f":"Q10","v":0},{"$f":"R10","v":14.5},{"$f":"'Berekening bij Voorstel HOR'!AF41+IF($BQ$7=TRUE,P11+Q11,0)","v":14.5},{"$f":"S11-U11+IF($BQ$7=TRUE,'AO en WW'!P35,0)","v":0},{"$f":"'Berekening bij Voorstel HOR'!AG41+IF($BQ$7=TRUE,P10+Q10,0)-IF($BQ$7=TRUE,'AO en WW'!P35,0)","v":14.5},{"$f":"'Berekening bij Voorstel HOR'!E21","v":0},null,null,null,null,null,null,null,null,null,"BASIS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rentepercentage",null,3.7999999999999999E-2,null,null,null,{"$f":"Algemeen!E25","v":3.7999999999999999E-2},0.05,{"$f":"IF(Z14=1,Z12,'Financiële Gegevens'!P35)","v":0.05},"HIDE",1,false]
[null,null,null,{"$f":"IF(Aflosvrij_leningdeel>0,\"Lineair & afl.vrij\",\"Lineair\")","v":"Lineair"},null,{"$f":"F10","v":0},{"$f":"G10","v":"30 jaar"},{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2},null,{"$f":"J10","v":"10 jr"},{"$f":"K10","v":0},{"$f":"L10","v":0},{"$f":"LinO!G40/12","v":0},{"$f":"LinO!O8","v":"Geen"},{"$f":"(LinO!I40/12)-(IF(LinO!O8=\"Geen\",0,LinO!O8))","v":0},{"$f":"P10","v":0},{"$f":"Q10","v":0},{"$f":"R10","v":14.5},{"$f":"Lineair!P41","v":14.5},{"$f":"S13-U13+IF($BQ$7=TRUE,'AO en WW'!P35,0)","v":0},{"$f":"Lineair!Q41","v":14.5},{"$f":"V10","v":0},null,"Rentevastperiode",null,20,"jr",null,null,{"$f":"Algemeen!E26","v":10},5,{"$f":"IF(Z14=1,Z13,IF(Algemeen!E25='Voorstel HOR'!AF12,5,10))","v":10},"ALBV",2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2]
[null,null,null,"Balanshypotheek",null,{"$f":"F13","v":0},{"$f":"G13","v":"30 jaar"},{"$f":"IF(Balans!CL21<>Balans!CL20,\"Mix\",H13)","v":"Mix"},null,{"$f":"IF(Balans!CM21<>Balans!CM20,\"Mix\",J13)","v":"Mix"},{"$f":"K13","v":0},{"$f":"L13","v":0},{"$f":"BalO!G40/12","v":0},{"$f":"BalO!O8","v":"Geen"},{"$f":"(BalO!I40/12)-(IF(BalO!O8=\"Geen\",0,BalO!O8))","v":0},{"$f":"P10","v":0},{"$f":"Q10","v":0},{"$f":"R13","v":14.5},{"$f":"BalO!O40+IF($BQ$7=TRUE,P15+Q15,0)","v":14.5},{"$f":"S15-U15+IF($BQ$7=TRUE,'AO en WW'!P35,0)","v":0},{"$f":"BalO!P40+IF($BQ$7=TRUE,P10+Q10,0)-IF($BQ$7=TRUE,'AO en WW'!P35,0)","v":14.5},{"$f":"V13","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," tarief. Wij regelen alles vanaf advies tot notaris en ontzorgen u dus volledig. Wij zijn 24/7 bereikbaar. Wanneer u besluit het financieel onderhoud aan te gaan dan betalen wij u het "]
[null,null,null,"Rentebalans",null,{"$f":"Optimaalhypotheek1!K4","v":0},"30 jaar","MIX",null,"MIX",{"$f":"K15","v":0},{"$f":"L15","v":0},{"$f":"Optimaalhypotheek1!J19/12","v":{"$error":"#VALUE!"}},{"$f":"N15","v":"Geen"},{"$f":"Optimaalhypotheek1!K19/12","v":{"$error":"#VALUE!"}},null,null,{"$f":"R15","v":14.5},{"$f":"Optimaalhypotheek1!N19","v":{"$error":"#VALUE!"}},{"$f":"S17-U17","v":{"$error":"#VALUE!"}},{"$f":"Optimaalhypotheek1!O19","v":{"$error":"#VALUE!"}},{"$f":"Optimaalhypotheek1!K4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," eerste jaar terug en gaat er dus 12 x € 14,50 op uw tarief in mindering en betaalt u € 3.123. Het onderhoud is reeds in uw maandlast opgenomen en gaat pas na passeren bij de "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," notaris in. Met deze verrekening kunt u voor hetzelfde tarief het 1e jaar een hypotheek met onderhoud kiezen. "]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[null,"Kosten netto",null,null,null,null,{"$f":"(VLOOKUP(AlgemeenOUD!A16,Gegevens!A299:B302,2))*100","v":42}]
[null,"zichtbaar?",null,"Financieringsopzet",null,null,"TERUG","Netto",null,"Uitgangspunten berekening "]
[null,"Nee",null,null,null,null,{"$f":"MIN('Financiële Gegevens'!M39,IF(AlgemeenOUD!C16=52%,'Financiële Gegevens'!M39,AlgemeenOUD!C16))","v":0.36969999999999997},null,null,{"$f":"IF(M29>0,\"Maandlast in de toetsing\",\" \")","v":" "},null,null,{"$f":"SUM(Algemeen!F24)","v":0},null,{"$f":"IF(X48=FALSE,\"        Advies op basis van gekozen geldverstrekker:\",\" \")","v":" "}]
[null,null,null,{"$f":"IF(AlgemeenOUD!$F$76=4,\" \",IF(AlgemeenOUD!C48=1,\"Koopsom KK\",IF(AlgemeenOUD!$C$48=2,\"Koopsom VON\",IF(AlgemeenOUD!$C$48>2,\"Restschuld hypotheek\"))))","v":"Koopsom KK"},null,{"$f":"IF(AlgemeenOUD!F67=4,0,AlgemeenOUD!C50)","v":0},null,{"$f":"IF(G30>0,F30-G30,0)","v":0},null,{"$f":"\"Inkomen \"&AlgemeenOUD!$C$6","v":"Inkomen "},null,null,{"$f":"AlgemeenOUD!C13","v":19777}]
[null,null,null,{"$f":"IF(AlgemeenOUD!$F$76=4,\" \",IF(AlgemeenOUD!C48=1,\"Overdrachtsbelasting 2%\",IF(AlgemeenOUD!C48=2,\"Meerwerk\",\"Boete *\")))","v":"Overdrachtsbelasting 2%"},null,{"$f":"IF(AlgemeenOUD!F76>2,Algemeen!H33,IF(AND(Algemeen!E32=\"Aankoop nieuwbouw woning\",Algemeen!V39=TRUE),Algemeen!H39,IF(AlgemeenOUD!C48=1,'Voorstel HOR'!F30*2%,0)))","v":0},{"$f":"IF(Algemeen!H33=\"Geen\",0,IF(AlgemeenOUD!C48>2,'Voorstel HOR'!F31*'Voorstel HOR'!G29,\" \"))","v":" "},{"$f":"IF(G31>0,F31-G31,0)","v":{"$error":"#VALUE!"}},null,{"$f":"IF(AlgemeenOUD!C7=2,\"Inkomen \"&AlgemeenOUD!F6,IF(AlgemeenOUD!C7=3,\"Inkomen \"&AlgemeenOUD!F6,\" \"))","v":" "},null,null,{"$f":"IF(AlgemeenOUD!C7=2,\"X\",AlgemeenOUD!F13)","v":0}]
[null,null,null,"Advies en bemiddeling *",null,{"$f":"Algemeen!E46","v":0},{"$f":"F32*G29","v":0},0,null,{"$f":"IF(Algemeen!E32=\"2e hypotheek\",\"Totale hypotheeksom\",\"\")","v":""},null,null,{"$f":"IF(Algemeen!E32=\"2e hypotheek\",Alg_schuld+alg_hypsom,\"\")","v":""}]
[null,null,null,"Notaris: hypotheekakte *",null,950,{"$f":"F33*G29","v":351.21499999999997},598.78500000000008,null,{"$f":"IF(Algemeen!A37=TRUE,\"WOZ (loket) waarde \"&Algemeen!G36,\"WOZ waarde\")","v":"WOZ waarde"},null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Notaris: akte van levering\",\" \")","v":"Notaris: akte van levering"},null,{"$f":"IF(AlgemeenOUD!C48=1,950,0)","v":950},null,0,null,{"$f":"AlgemeenOUD!E51","v":"Marktwaarde"},null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,{"$f":"IF(Algemeen!D48=1,\"NHG Borg (0,6%) *\",0)","v":0},null,{"$f":"IF(nhg=TRUE,Algemeen!G59,0)","v":0},{"$f":"G29*F35","v":0},0,null,"Verhouding marktwaarde/hyp.",null,null,{"$f":"IF(alg_hypsom=0,0,IF(AND(Alg_naschuif>0,AlgemeenOUD!F51>0),IF(AlgemeenOUD!F67=4,('Voorstel HOR'!F44+Algemeen!E33)/'Voorstel HOR'!M34,'Voorstel HOR'!F44/'Voorstel HOR'!M34)))","v":0}]
[null,null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Taxatie *\",IF(AlgemeenOUD!C48>2,\"Taxatie *\",\" \"))","v":"Taxatie *"},null,{"$f":"IF(AlgemeenOUD!C48=2,0,695)","v":695},{"$f":"F36*G29","v":256.94149999999996},438.05850000000004,null,{"$f":"IF(Algemeen!E30=2024,\"Energielabel\",0)","v":"Energielabel"},null,{"$f":"IF(Algemeen!E30=2024,Algemeen!E38,0)","v":"EFG of onbekend"}]
[null,null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Bouwtechnische keuring\",\" \")","v":"Bouwtechnische keuring"},null,{"$f":"IF(AlgemeenOUD!C48=1,475,0)","v":475},{"$f":"IF(F34>0,F37*G29,0)","v":175.60749999999999},299.39250000000004,null,"Verdeling box 1/3 financieringsopzet"]
[null,null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Bankgarantie\",\" \")","v":"Bankgarantie"},null,{"$f":"IF(AlgemeenOUD!C48=1,(MAX(350,F30*0.11%)),0)","v":350},null,0,null,"Box 1",null,null,{"$f":"IF(M39=\"X\",alg_hypsom,alg_hypsom-M39)","v":0}]
[null,"Toevoegen:",null,{"$f":"IF(Algemeen!G34>0,\"Overbrugging\",0)","v":0},null,{"$f":"IF(Algemeen!G34>0,-Algemeen!G34,0)","v":0},{"$f":"IF(F39>1000,0,F39*G$29)","v":0},0,null,"Box 3",null,null,{"$f":"IF(Algemeen!J44>0,Algemeen!J44,\"X\")","v":"X"}]
[null,null,null,{"$f":"IF(Algemeen!E32=\"Aankoop nieuwbouw woning\",0,IF(Algemeen!H39>0,\"Verbouwing\",B40))","v":0},null,{"$f":"IF(Algemeen!E32=\"Aankoop nieuwbouw woning\",0,Algemeen!H39)","v":0},{"$f":"IF(F40>1000,0,F40*G$29)","v":0},0,null,{"$f":"'NAT sheet'!E8","v":"Maximale hypotheek 2024"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inleg of ontvangen"]
[null,null,null,{"$f":"B41","v":0},null,{"$f":"IF(D41=\"Overbrugging\",-5000,0)","v":0},{"$f":"IF(F41>1000,0,F41*G$29)","v":0},0,null,{"$f":"IF(Algemeen!E30=2024,\"Invloed energielabel\",0)","v":"Invloed energielabel"},null,null,{"$f":"IF(L36=\"EFG of onbekend\",\"n.v.t.\",Gegevens!H426)","v":"n.v.t."},null,null,null,null,null,null,null,null,null,null,null,null,null,"som",{"$f":"SUM(F30:F42)","v":3420}]
[null,null,null,{"$f":"B42","v":0},null,{"$f":"IF(D42=\"Overbrugging\",-5000,0)","v":0},{"$f":"IF(F42>1000,0,F42*G$29)","v":0},0,null,"Toetsrente",null,{"$f":"IF(Algemeen!CI14>1,'NAT sheet'!H4,IF(AlgemeenOUD!F43<3,AlgemeenOUD!E35,IF(AlgemeenOUD!F43>2,IF(Algemeen!CI14=3,'NAT sheet'!H4,AlgemeenOUD!E35))))","v":3.7999999999999999E-2},{"$f":"alg_maxhyp","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,"hypohteek",{"$f":"Alg_naschuif","v":0}]
[null,null,null,{"$f":"IF(AB43<0,\"Inleg eigen middelen\",IF(AB43>0,\"Te ontvangen\",\" \"))","v":"Inleg eigen middelen"},null,{"$f":"AB43","v":-3420},null,0,null,{"$f":"IF(Algemeen!CI14>1,\"\",IF(Algemeen!CI14=3,\"NAT toets\",IF(AlgemeenOUD!F43>1,\"Wettelijke toetsrente\",\" \")))","v":"Wettelijke toetsrente"},null,{"$f":"IF(Algemeen!CI14>1,\"\",IF(Algemeen!CI14=3,'NAT sheet'!H4,IF(AlgemeenOUD!F43>1,'Financiële Gegevens'!C49,\" \")))","v":0.05},{"$f":"IF(Algemeen!CI14>1,\"\",IF(Algemeen!CI14=3,'NAT sheet'!H12,IF(L43=5%,IF(AlgemeenOUD!C7=3,'Maximale verstrekking'!U56,'Maximale verstrekking'!V56),\" \")))+Gegevens!H435","v":71261.373104419006},null,null,null,null,null,null,null,null,null,null,null,null,null,"restultaat",{"$f":"AB42-AB41","v":-3420}]
[null,null,null,"HYPOTHEEK",null,{"$f":"AlgemeenOUD!C27","v":0},{"$f":"SUM(G30:G43)","v":783.7639999999999},null,null,{"$f":"IF(AlgemeenOUD!C43>1,\"Optimaalrente\",\" \")","v":" "},null,{"$f":"IF(AlgemeenOUD!C43>1,Algemeen!P30,\" \")","v":" "},{"$f":"'optimaalberekening j zonder max'!F21","v":60395.279090980446},null,null,null,null,null,null,null,null,null,null,null,null,null,"Invoegen"]
[null,null,null,{"$f":"IF(M39<>\"X\",\"Gecorrigeerde teruggave o.b.v. aftrek:\",\"\")","v":""},null,null,{"$f":"IF(M39=\"X\",\" \",G44/F44*(F44-M39))","v":" "}]
[]
[null,null,null,"* Afhankelijk van de financiering zijn de kosten niet, gedeeltelijk of geheel aftrekbaar."]
[null,null,null,{"$f":"IF(AlgemeenOUD!C25>1,\"Contactgegevens \",\" \" )","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,{"$f":"IF(M42>0,\"Gecorrigeerde teruggave o.b.v. aftrek:\",\"\")","v":""},null,null,{"$f":"IF(M42>0,G47/#REF!*M41,\" \")","v":" "}]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OFFSET(#REF!,0,0,1,1)","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Verbouwing"]
[null,null,null,"Aanvullende toelichting:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Woningverbetering"]
[null,1,null,"Ja",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"Meerwerk"]
[null,2,null,"Nee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"Uitkoop"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Aflossen lening"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,"Opname"]
[null,null,null,"Er wordt een NIEUWBOUW woning gekocht. Let daarbij op dat de premie/aflossing alsmede de overlijdensrisicodekking gedurende de bouw van de woning wel betaald dient te worden. Alleen de te betalen rente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,"Overbrugging"]
[null,null,null,"wordt uit het rentedepot (derhalve 'bouwrente') betaald.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,"Uitkoop"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Zelf invullen"]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal netto betaald",1,{"$f":"SUM(AF40:AF69)*12","v":5220}]
[null,{"$f":"IF(BA8=TRUE,AlgemeenOUD!F28,0)","v":0},null,null,null,null,null,null,null,null,{"$f":"IF(nhg=TRUE,\"Met NHG\",0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal bruto betaald",2,{"$f":"SUM(AE40:AE69)*12","v":5220}]
[null,"Hypotheeksom",null,null,null,null,{"$f":"SUM(E21:F25)","v":0},null,null,null,"(Hoogste)IB-tarief",null,null,null,{"$f":"'Vrije Keuze'!P5","v":0.36969999999999997}]
[{"$f":"VLOOKUP(B6,BP3:BQ4,2,FALSE)","v":1},"Totaal netto betaald",null,null,null,null,{"$f":"VLOOKUP(A6,BQ3:BR4,2,FALSE)","v":5220},null,null,null,"Onderhoud",null,null,null,{"$f":"'Vrije Keuze'!P6","v":14.5}]
[null,{"$f":"'Voorstel HOR'!J33","v":"WOZ waarde"},null,null,null,null,{"$f":"Algemeen!E36","v":0},null,null,null,"Consumptief deel",null,null,null,{"$f":"IF(Algemeen!J44=0,\"Geen\",Algemeen!J44)","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Als invoercellen worden verplaatst:"]
[null,"Rentevast periode",null,null,null,null,{"$f":"I21&\" jaar\"","v":"10 jaar"},null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"'Vrije Keuze'!P8","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Pas ook letters in AA:AD aan.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,\"Bijtelling auto van de zaak\",0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,AlgemeenOUD!C52*AlgemeenOUD!C53,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  Renteafslag aan?",null,{"$f":"IF(DK9=1,\"ja\",\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Vrije Keuze'!$EV$8","v":2}]
[null,"Annuïteit",null,null,{"$f":"IF(Aflosvrij_leningdeel>0,Alg_naschuif-Aflosvrij_leningdeel,0)","v":0},null,null,"Rente",{"$f":"uw_gekozen_rente","v":3.7999999999999999E-2},null,"Looptijd",{"$f":"AlgemeenOUD!B123&\" jaar\"","v":"30 jaar"},null,"Aftrek",{"$f":"AlgemeenOUD!$C$30-1&\" jaar\"","v":"30 jaar"},null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BH10=0,0)","v":0}]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"AlgemeenOUD!C41","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,"Indexering:",null,{"$f":"Algemeen!F41","v":0}]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,"Bijtelling:",null,null,{"$f":"AlgemeenOUD!C53","v":0}]
[null,"Aflosvrij",null,null,{"$f":"IF(Aflosvrij_leningdeel>0,Aflosvrij_leningdeel,0)","v":0},null,null,"Rente",{"$f":"alg_aflosrente","v":0.04},null,"Looptijd","30 jaar",null,"Aftrek",{"$f":"AlgemeenOUD!F31-1&\" jaar\"","v":"30 jaar"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CC16*CB16","v":0},{"$f":"+CD16*CA16","v":0}]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[null,null,null,null,null,null,null,null,null,"Pas verwijzing aan=>",{"$f":"CELL(\"bestandsnaam\",LinO!A13)","v":"G:\\Mijn Drive\\CalFin\\[Calfin 11-10-2024.xlsm]LinO"},null,null,null,null,{"$f":"ROW(LinO!F21)","v":21},null,null,null,{"$f":"+P2+1","v":22},null,null,null,{"$f":"+T2+1","v":23},null,null,null,{"$f":"+X2+1","v":24},null,null,null,{"$f":"+AB2+1","v":25},null,null,null,null,{"$f":"SUM(P1:AH1)","v":0},"Band",{"$f":"MAX(IFERROR(1/(((AL12:AL41)*12)/(((AL12:AL41)*12)+$AM$11)),0))","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[null,null,"",{"$f":"IF(OR(C48<>\"\",BIJLineair!M38<>BIJLineair!M37),BIJLineair!M38,\"\")","v":""},27,{"$f":"IF(BIJLineair!AU37=0,1000,(BIJLineair!AO37-IF($G$21,BIJLineair!AK37,0))/BIJLineair!AU37)","v":1000},16,1,{"$f":"IF(H48=0,BIJLineair!P$7,OFFSET(I$1,H48-1,0))","v":0.04},0,0,1,{"$f":"IF(L48=0,BIJLineair!T$7,OFFSET(M$1,L48-1,0))","v":0.04},0,0,2,{"$f":"IF(P48=0,BIJLineair!X$7,OFFSET(Q$1,P48-1,0))","v":0.04},0,0,2,{"$f":"IF(T48=0,BIJLineair!AB$7,OFFSET(U$1,T48-1,0))","v":0.04},0,0,0,{"$f":"IF(X48=0,BIJLineair!AF$7,OFFSET(Y$1,X48-1,0))","v":0.04},0,0]
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{"sheet":"Overwaarde","index":90,"n_rows":368,"n_cols":35,"rows_kept":368,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,null,"Opname éénmalig",null,null,35000,null,null,null,null,null,null,null,{"$f":"F3","v":35000},null,{"$f":"F7","v":"NVT"},null,null,null,null,null,null,null,null,null,null,null,"Eenmalig","Per maand","Duur"]
[null,null,"Rente",null,null,4.9000000000000002E-2,null,null,null,null,null,null,null,{"$f":"N368","v":151151.09073874904},null,{"$f":"P368","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"De samenvatting die "]
[null,null,"Per maand",null,null,{"$f":"F4/12","v":4.0833333333333338E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35000,1190,"15 jaar",null,null,null,null,"hiernaast staat is"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35000,1070,"16 jaar",null,null,null,null,"handmatig ingevuld als "]
[null,null,"Opname voor maandbetaling",null,null,"NVT",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35000,1050,"17 jaar",null,null,null,null,"overzicht voor relatie. "]
[null,null,"Opname per maand",null,null,null,null,null,null,null,null,1,null,{"$f":"F3","v":35000},null,{"$f":"IF(L8<=F$9,F$8,0)","v":0},{"$f":"P8*F$11","v":0},null,null,{"$f":"Q8+R8","v":0},{"$f":"N8+P8","v":35000},null,null,null,null,null,null,35000,990,"18 jaar"]
[null,null,"Aantal maanden opname",null,null,null,null,null,null,null,null,{"$f":"L8+1","v":2},null,{"$f":"N8*(100%+F$5)","v":35142.916666666672},null,{"$f":"IF(L9<=F$9,F$8+P8+Q8,IF(L9>F$10,P8+T8))","v":0},{"$f":"P9*F$11","v":0},null,null,{"$f":"Q9+R9","v":0},{"$f":"N9+P9","v":35142.916666666672}]
[null,null,"Rente",null,null,5.2999999999999999E-2,null,null,null,null,null,{"$f":"L9+1","v":3},null,{"$f":"N9*(100%+F$5)","v":35286.416909722233},null,0,0,null,null,{"$f":"Q10+R10","v":0},35286.416909722233]
[null,null,"Per maand",null,null,{"$f":"F10/12","v":4.4166666666666668E-3},null,null,null,null,null,4,null,{"$f":"N10*(100%+F$5)","v":35430.503112103601},null,0,0,null,null,0,35430.503112103601,null,null,null,null,null,null,40000,1160,"15 jaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,40000,1090,"16 jaar"]
[null,null,"Schuld na 10 jaar",null,null,{"$f":"F31","v":56841.991565484357},null,null,null,null,null,{"$f":"L11+1","v":5},null,{"$f":"N11*(100%+F$5)","v":35575.177666478026},null,{"$f":"IF(L13<=F$9,F$8+P11+Q11,IF(L13>F$10,P11+T11))","v":0},0,null,null,0,35575.177666478026,null,null,null,null,null,null,40000,1020,"17 jaar"]
[null,null,"Schuld na 20 jaar",null,null,{"$f":"F41","v":92691.580118615588},null,null,null,null,null,6,null,{"$f":"N13*(100%+F$5)","v":35720.442975282815},null,0,0,null,null,0,35720.442975282815,null,null,null,null,null,null,40000,970,"18 jaar"]
[null,null,"Schuld na 30 jaar",null,null,{"$f":"F51","v":151151.09073874904},null,null,null,null,null,7,null,35866.301450765226,null,0,0,null,null,0,35866.301450765226]
[null,null,null,null,null,null,null,null,null,null,null,8,null,36012.755515022523,null,0,0,null,null,0,36012.755515022523]
[null,null,null,null,null,null,null,null,null,null,null,9,null,36159.807600042201,null,0,0,null,null,0,36159.807600042201]
[null,null,"Looptijd",{"$f":"IF(D21=\"\",\"\",\"Leeftijd\")","v":""},"Leeftijd ","Schuld","Woning","Woning",null,null,null,10,null,36307.460147742378,null,0,0,null,null,0,36307.460147742378]
[null,null,null,{"$f":"IF(D21=\"\",\"\",\"1e\")","v":""},{"$f":"IF(D21=\"\",\"\",\"2e\")","v":""},null,"Waarde","Waarde",null,null,null,11,null,36455.715610012332,null,0,0,null,null,0,36455.715610012332]
[null,null,null,null,null,null,0.01,-0.01,null,null,null,12,null,36604.576448753221,null,0,0,null,null,0,36604.576448753221]
[null,null,null,{"$f":"Annuiteit!B41","v":""},{"$f":"Annuiteit!C41","v":0},{"$f":"F3","v":35000},970000,970000,null,null,null,13,null,36754.045135918968,null,0,0,null,null,0,36754.045135918968]
[null,null,{"$f":"C21+1","v":1},{"$f":"IF(D21=\"\",\"\",D21+1)","v":""},{"$f":"E21+1","v":1},{"$f":"U20","v":36604.576448753221},{"$f":"G21*(100%+G$20)","v":979700},{"$f":"H21*(100%+H$20)","v":960300},null,null,null,14,null,36904.124153557306,null,0,0,null,null,0,36904.124153557306]
[null,null,{"$f":"C22+1","v":2},{"$f":"IF(D22=\"\",\"\",D22+1)","v":""},2,{"$f":"U32","v":38439.035856533475},{"$f":"G22*(100%+G$20)","v":989497},950697,null,null,null,15,null,37054.815993851,null,0,0,null,null,0,37054.815993851]
[null,null,3,"",3,{"$f":"U44","v":40365.430252921105},999391.97,941190.03,null,null,null,16,null,37206.12315915923,null,0,0,null,null,0,37206.12315915923]
[null,null,4,"",4,{"$f":"U56","v":42388.367012761461},1009385.8896999999,931778.12970000005,null,null,null,17,null,37358.048162059131,null,0,0,null,null,0,37358.048162059131]
[null,null,5,"",5,{"$f":"U68","v":44512.684412140952},1019479.7485969999,922460.34840300004,null,null,null,18,null,37510.593525387543,null,0,0,null,null,0,37510.593525387543]
[null,null,6,"",6,{"$f":"U80","v":46743.463200135571},1029674.5460829699,913235.74491897004,null,null,null,19,null,37663.761782282876,null,0,0,null,null,0,37663.761782282876]
[null,null,7,"",7,{"$f":"U92","v":49086.038750484273},1039971.2915437996,904103.38746978028,null,null,null,20,null,37817.5554762272,null,0,0,null,null,0,37817.5554762272]
[null,null,8,"",8,{"$f":"U104","v":51546.013822250447},1050371.0044592377,895062.35359508242,null,null,null,21,null,37971.977161088464,null,0,0,null,null,0,37971.977161088464]
[null,null,9,"",9,{"$f":"U116","v":54129.271959991296},1060874.7145038301,886111.73005913163,null,null,null,22,null,38127.029401162916,null,0,0,null,null,0,38127.029401162916]
[null,null,10,"",10,{"$f":"U128","v":56841.991565484357},1071483.4616488684,877250.61275854032,null,null,null,23,null,38282.714771217667,null,0,0,null,null,0,38282.714771217667]
[null,null,11,"",11,{"$f":"U140","v":59690.660674666782},1082198.2962653572,868478.10663095489,null,null,null,24,null,38439.035856533475,null,0,0,null,null,0,38439.035856533475]
[null,null,12,"",12,{"$f":"U152","v":62682.092475129306},1093020.2792280107,859793.32556464535,null,null,null,25,null,38595.995252947658,null,0,0,null,null,0,38595.995252947658]
[null,null,13,"",13,{"$f":"U164","v":65823.441601278537},1103950.4820202908,851195.39230899885,null,null,null,26,null,38753.595566897195,null,0,0,null,null,0,38753.595566897195]
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[null,{"$f":"AnO!B5","v":"Hypotheeksom"},null,null,null,{"$f":"G5/G8","v":{"$error":"#DIV/0!"}},{"$f":"AnO!G5","v":0},null,null,null,null,"(Hoogste)IB-tarief",null,null,null,{"$f":"AnO!O5","v":0.36969999999999997},null,null,null,null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,{"$f":"Algemeen!Y21","v":27},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Algemeen!P43","v":30}]
[{"$f":"VLOOKUP(B6,EY7:EZ8,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"AnO!B6","v":"Totaal netto betaald"},null,null,null,null,"Na",30,"jr:",{"$f":"AnO!G6","v":5220},null,"Onderhoud",null,null,null,{"$f":"AnO!O6","v":14.5},null,null,null,null,null,null,null,"Lineair",null,null,null,null,null,null,null,{"$f":"IF(AF4,Algemeen!S21,INDEX(Ropsl_banken,AF5))","v":"Neo Hypotheken"}]
[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AnO!G7","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"AnO!O7","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:"]
[null,"Marktwaarde",null,null,null,null,{"$f":"'Vrije Keuze'!G8","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"AnO!O8","v":"Geen"},null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan."]
[null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I."]
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[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,"Indexering:"]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
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[]
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[null,"Hypotheekvorm",null,null,"Hoofdsom",null,null,"Looptijd",null,"Jaar","Rente","Aftrekbaarheid",null,null,"Extra Aflossing",null,null,"NHG",null,null,null,null,null,null,"niet 30j",null,null,"Type(A/L/)",null,{"$f":"CHAR(64+COLUMN(W22))","v":"W"}]
[0,null,null,null,null,null,null,"Jr","Mnd","Vast",null,"Maanden","Bedrag",null,"Jaar","Aflossing",null,{"$f":"'Vrije Keuze'!$R$20","v":"Nee"},null,null,null,null,{"$f":"NOT(ISERROR(MATCH(\"B\",W21:W30,)))","v":false},null,"ALOB","ieder jaar extra",null,"Looptijd",null,{"$f":"CHAR(64+COLUMN(Y23))","v":"Y"},{"$f":"CHAR(64+COLUMN(I23))","v":"I"},{"$f":"CHAR(64+COLUMN(L23))","v":"L"}]
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[]
[0]
[0]
[0]
[0]
["Gewogen "]
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["Gewogen ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(U36=4,IF(isbankspaar,4,5),U36)","v":1},{"$f":"IF(V36=4,IF(isbankspaar,4,5),V36)","v":2}]
["Gewogen "]
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[]
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[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto zonder restschuld",null,{"$f":"SUM(P41:P70)*12+(SUM((P21:P28),SUM(R41:R70)*12+(SUM((P21:P28)))))","v":5220},null,{"$f":"SUM(AG41:AG75)*12","v":5220}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto met restschuld",null,{"$f":"SUM(Q41:Q70)*12+(SUM((P21:P28)))","v":5220}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto zonder",null,{"$f":"SUM(Q41:S70)*12+(SUM((P21:P28)))","v":5220}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto met",null,{"$f":"SUM(#REF!)*12+(SUM((P21:P28)))","v":{"$error":"#REF!"}}]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
[null,null,"Rente deel 1",1,{"$f":"J21","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E89-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F89,'Vrije Keuze'!E89)","v":10}]
[null,null,"Rente deel 2",2,{"$f":"J22","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E90-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F90,'Vrije Keuze'!E90)","v":10}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E91-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F91,'Vrije Keuze'!E91)","v":10}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E92-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F92,'Vrije Keuze'!E92)","v":10}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E93-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F93,'Vrije Keuze'!E93)","v":10}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Annuiteit"}]
[]
[]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%\"","v":"Fictief rentescenario; na  jr 0%"},{"$f":"IF(AND(AZ22=0,AZ21>0),1,0)","v":0},{"$f":"IF(C106=1,B106,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"% en na \"&AZ22&\" jr \"&BA22*100&\"%\"","v":"Fictief rentescenario; na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ23=0,AZ22>0),1,0)","v":0},{"$f":"IF(C107=1,B107,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"% en na \"&AZ23&\" jr \"&BA23*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24=0,AZ23>0),1,0)","v":0},{"$f":"IF(C108=1,B108,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"%, na \"&AZ23&\" jr \"&BA23*100&\"% en na \"&AZ24&\" jr \"&BA24*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24>0,AZ23>0),1,0)","v":0},{"$f":"IF(C109=1,B109,0)","v":0}]
[null,null,null,{"$f":"VLOOKUP(1,C106:D109,2,FALSE)","v":{"$error":"#N/A"}}]

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[null,{"$f":"IF(AlgemeenOUD!F30>0,\"Lineaire & Aflosvrije hypotheek\",\"Lineaire Hypotheek\")","v":"Lineaire Hypotheek"}]
[]
[null,{"$f":"AnO!B4","v":0},null,null,null,null,null,null,null,null,{"$f":"AnO!K4","v":0}]
[null,{"$f":"AnO!B5","v":"Hypotheeksom"},null,null,null,null,{"$f":"SUM(E21:F25)","v":0},null,null,null,{"$f":"AnO!K5","v":"(Hoogste)IB-tarief"},null,null,null,{"$f":"'Vrije Keuze'!P5","v":0.36969999999999997}]
[{"$f":"VLOOKUP(B6,BG16:BH17,2,FALSE)","v":1},{"$f":"AnO!B6","v":"Totaal netto betaald"},null,null,null,null,{"$f":"VLOOKUP(A6,BH16:BI17,2,FALSE)","v":5220},null,null,null,{"$f":"AnO!K6","v":"Onderhoud"},null,null,null,{"$f":"AnO!O6","v":14.5}]
[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,{"$f":"AnO!K7","v":"Consumptief deel"},null,null,null,{"$f":"AnO!O7","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Als invoercellen worden verplaatst:"]
[null,{"$f":"AnO!B8","v":"Rentevast periode"},null,null,null,null,{"$f":"AnO!G8","v":"10 jaar"},null,null,null,{"$f":"AnO!K8","v":"Premie overlijdensrisico"},null,null,null,{"$f":"AnO!O8","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Pas ook letters in AA:AD aan."]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,\"Bijtelling auto van de zaak\",0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,AlgemeenOUD!C52*AlgemeenOUD!C53,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,"Renteafslag aan?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AnO!AY9","v":"  Renteafslag aan?"},null,{"$f":"IF(BD9=1,\"ja\",\" \")","v":" "},"      Renteafslag aan?",null,{"$f":"'Vrije Keuze'!$EV$8","v":2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente"]
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[null,"Houdt rekening met renteafslagen"]
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[{"$f":"J13","v":"↓ Pull down menu ↓"},null,{"$f":"L13","v":{"$error":"#DIV/0!"}},{"$f":"Y13/12+AF13","v":0},{"$f":"Z13/12","v":0},{"$f":"AH13","v":14.5},{"$f":"MIN(F13,AK13)","v":{"$error":"#DIV/0!"}},null,null,"↓ Pull down menu ↓",null,{"$f":"Rentevergelijk!Q19+AB38","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$6=\"Er is geen aflosvrij hypotheekdeel\",C$5,C$5-C$6)","v":0},{"$f":"AE13*12-Z13+(Algemeen!K$43*(Rentevergelijk!Q19+Rentevergelijk!M19))","v":0},{"$f":"X13-AA13","v":0},{"$f":"FV(Rentevergelijk!Q19/12,W13*12,AE13,-X13)","v":0},{"$f":"AE13+C$38+E$37+(Algemeen!K$43*(Rentevergelijk!Q19+Rentevergelijk!M19)/12)","v":14.5},{"$f":"MAX(0,((Y13*C$33)-'Financiële Gegevens'!C$37)/12)","v":0},{"$f":"AB13-AC13","v":14.5},{"$f":"PMT(Rentevergelijk!Q19/12,Algemeen!E$27*12,-X13,0,0)","v":0},null,{"$f":"AF13*(100%-E$33)","v":0},{"$f":"AB13+AF13","v":14.5},{"$f":"AD13+AG13","v":14.5},{"$f":"(AF$4*L13*E$33)/12","v":{"$error":"#DIV/0!"}},{"$f":"AJ13+AI13","v":{"$error":"#DIV/0!"}}]
[]
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[{"$f":"J18","v":"↓ Pull down menu ↓"},"5 jaar vast",{"$f":"L18","v":{"$error":"#DIV/0!"}},{"$f":"Y18/12+AF18","v":0},{"$f":"Z18/12","v":0},{"$f":"AH18","v":14.5},{"$f":"MIN(F18,AK18)","v":{"$error":"#DIV/0!"}},null,{"$f":"Rentevergelijk!N25","v":15},"↓ Pull down menu ↓",null,{"$f":"Rentevergelijk!Q25+AB41","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$6=\"Er is geen aflosvrij hypotheekdeel\",C$5,C$5-C$6)","v":0},{"$f":"AE18*12-Z18+(Algemeen!K$43*(Rentevergelijk!Q25+Rentevergelijk!M25))","v":0},{"$f":"X18-AA18","v":0},{"$f":"FV(Rentevergelijk!Q25/12,W18*12,AE18,-X18)","v":0},{"$f":"AE18+C$38+E$37+(Algemeen!K$43*(Rentevergelijk!Q25+Rentevergelijk!M25)/12)","v":14.5},{"$f":"MAX(0,((Y18*C$33)-'Financiële Gegevens'!C$37)/12)","v":0},{"$f":"AB18-AC18","v":14.5},{"$f":"PMT(Rentevergelijk!Q25/12,Algemeen!E$27*12,-X18,0,0)","v":0},null,{"$f":"AF18*(100%-E$33)","v":0},{"$f":"AB18+AF18","v":14.5},{"$f":"AD18+AG18","v":14.5},{"$f":"(AF$4*L18*E$33)/12","v":{"$error":"#DIV/0!"}},{"$f":"AJ18+AI18","v":{"$error":"#DIV/0!"}}]
[{"$f":"J19","v":"↓ Pull down menu ↓"},"10 jaar vast",{"$f":"L19","v":{"$error":"#DIV/0!"}},{"$f":"Y19/12+AF19","v":0},{"$f":"Z19/12","v":0},{"$f":"AH19","v":14.5},{"$f":"MIN(F19,AK19)","v":{"$error":"#DIV/0!"}},null,{"$f":"Rentevergelijk!N26","v":20},"↓ Pull down menu ↓",null,{"$f":"Rentevergelijk!Q26+AB42","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$6=\"Er is geen aflosvrij hypotheekdeel\",C$5,C$5-C$6)","v":0},{"$f":"AE19*12-Z19+(Algemeen!K$43*(Rentevergelijk!Q26+Rentevergelijk!M26))","v":0},{"$f":"X19-AA19","v":0},{"$f":"FV(Rentevergelijk!Q26/12,W19*12,AE19,-X19)","v":0},{"$f":"AE19+C$38+E$37+(Algemeen!K$43*(Rentevergelijk!Q26+Rentevergelijk!M26)/12)","v":14.5},{"$f":"MAX(0,((Y19*C$33)-'Financiële Gegevens'!C$37)/12)","v":0},{"$f":"AB19-AC19","v":14.5},{"$f":"PMT(Rentevergelijk!Q26/12,Algemeen!E$27*12,-X19,0,0)","v":0},null,{"$f":"AF19*(100%-E$33)","v":0},{"$f":"AB19+AF19","v":14.5},{"$f":"AD19+AG19","v":14.5},{"$f":"(AF$4*L19*E$33)/12","v":{"$error":"#DIV/0!"}},{"$f":"AJ19+AI19","v":{"$error":"#DIV/0!"}}]
[{"$f":"J20","v":"↓ Pull down menu ↓"},"20 jaar vast",{"$f":"L20","v":{"$error":"#DIV/0!"}},{"$f":"Y20/12+AF20","v":0},{"$f":"Z20/12","v":0},{"$f":"AH20","v":14.5},{"$f":"MIN(F20,AK20)","v":{"$error":"#DIV/0!"}},null,{"$f":"Rentevergelijk!N27","v":30},"↓ Pull down menu ↓",null,{"$f":"Rentevergelijk!Q27+AB43","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$6=\"Er is geen aflosvrij hypotheekdeel\",C$5,C$5-C$6)","v":0},{"$f":"AE20*12-Z20+(Algemeen!K$43*(Rentevergelijk!Q27+Rentevergelijk!M27))","v":0},{"$f":"X20-AA20","v":0},{"$f":"FV(Rentevergelijk!Q27/12,W20*12,AE20,-X20)","v":0},{"$f":"AE20+C$38+E$37+(Algemeen!K$43*(Rentevergelijk!Q27+Rentevergelijk!M27)/12)","v":14.5},{"$f":"MAX(0,((Y20*C$33)-'Financiële Gegevens'!C$37)/12)","v":0},{"$f":"AB20-AC20","v":14.5},{"$f":"PMT(Rentevergelijk!Q27/12,Algemeen!E$27*12,-X20,0,0)","v":0},null,{"$f":"AF20*(100%-E$33)","v":0},{"$f":"AB20+AF20","v":14.5},{"$f":"AD20+AG20","v":14.5},{"$f":"(AF$4*L20*E$33)/12","v":{"$error":"#DIV/0!"}},{"$f":"AJ20+AI20","v":{"$error":"#DIV/0!"}}]
[{"$f":"J21","v":"Florius"},"30 jaar vast",{"$f":"L21","v":0.06},{"$f":"Y21/12+AF21","v":0},{"$f":"Z21/12","v":0},{"$f":"AH21","v":0},{"$f":"MIN(F21,AK21)","v":0},null,30,"Florius",null,0.06]
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[null,null,null,null,null,null,null,null,null,"Ann PM",null,{"$f":"'Maximale verstrekking'!E50","v":3362.09},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Maximale verstrekking'!F50","v":3362.09},null,"Aflosvrij"]
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["Marktwaarde",null,0,null,{"$f":"AlgemeenOUD!F49","v":0},null,null,null,1,{"$f":"INDEX('Maximale verstrekking'!$X$56:$AE$56,I35)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L10+AB35","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"Rentevergelijk!M16","v":0},{"$f":"AA35*AA$34","v":{"$error":"#DIV/0!"}},null,{"$f":"INDEX($W$35:$W$43,AD34)","v":{"$error":"#DIV/0!"}},{"$f":"INDEX($W$35:$W$43,AE34)","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.05,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
["Niet-aftrebaar hypotheekdeel",null,0,null,{"$f":"AlgemeenOUD!F29","v":0},null,null,null,2,{"$f":"INDEX('Maximale verstrekking'!$X$56:$AE$56,I36)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L11+AB36","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"Rentevergelijk!M17","v":0},{"$f":"AA36*AA$34","v":{"$error":"#DIV/0!"}}]
["Comfort Servicepakket",null,14.5,null,{"$f":"IF('Vrije Keuze'!FL8=1,0,'Vrije Keuze'!FO8)","v":14.5},null,null,null,3,{"$f":"INDEX('Maximale verstrekking'!$X$56:$AE$56,I37)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L12+AB37","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"Rentevergelijk!M18","v":0},{"$f":"AA37*AA$34","v":{"$error":"#DIV/0!"}}]
["Premie overlijdensrisicodekking",null,0,null,{"$f":"Rentevergelijk!C78","v":0},null,null,null,4,{"$f":"INDEX('Maximale verstrekking'!$X$56:$AE$56,I38)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L13+AB38","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"Rentevergelijk!M19","v":0},{"$f":"AA38*AA$34","v":{"$error":"#DIV/0!"}}]
[]
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[null,null,null,null,null,null,null,null,6,{"$f":"INDEX('Maximale verstrekking'!$X$56:$AE$56,I41)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L18","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"Rentevergelijk!M25","v":0},{"$f":"AA41*AA$34","v":{"$error":"#DIV/0!"}}]
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[null,null,null,null,null,null,null,null,8,{"$f":"INDEX('Maximale verstrekking'!$X$56:$AE$56,I43)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L20","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"Rentevergelijk!M27","v":0},{"$f":"AA43*AA$34","v":{"$error":"#DIV/0!"}}]
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[null,null,null,"Ja"]
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[null,"In jaar","verandering",null,null,null,null,null,null,null,null,null,null,"REST($P13;R$4)>1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"voeg hier blok toe","Banksparen; spaarpot",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Schijven",null,null,null,"Percentages"]
["rente scenario",null,null,null,null,null,null,null,null,null,{"$f":"+BalO!AD19&\"\"","v":"I"},{"$f":"+BalO!AE19&\"\"","v":""},null,"Vast",null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K4&P$2)+0.000001","v":10.000000999999999},null,{"$f":"IF(ABS(P6-R5)<0.01,1,IF(INT(R5)<P6,R5-INT(R5),R5-P6))","v":1},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K4&T$2)+0.000001","v":10.000000999999999},null,{"$f":"IF(ABS(T6-V5)<0.01,1,IF(INT(V5)<T6,V5-INT(V5),V5-T6))","v":1},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K4&X$2)+0.000001","v":10.000000999999999},null,{"$f":"IF(ABS(X6-Z5)<0.01,1,IF(INT(Z5)<X6,Z5-INT(Z5),Z5-X6))","v":1},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K4&AB$2)+0.000001","v":10.000000999999999},null,{"$f":"IF(ABS(AB6-AD5)<0.01,1,IF(INT(AD5)<AB6,AD5-INT(AD5),AD5-AB6))","v":0.5},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K4&AF$2)+0.000001","v":10.000000999999999},null,{"$f":"IF(ABS(AF6-AH5)<0.01,1,IF(INT(AH5)<AF6,AH5-INT(AH5),AH5-AF6))","v":0.5},null,"Vast",{"$f":"IF(AK$2=0,0,INDIRECT(\"'\"&$M$1&\"'!\"&$K4&AK$2))","v":0},null,null,null,"Waarde",{"$f":"+BalO!E13","v":0},null,null,null,null,null,null,null,null,null,"Inkomen",{"$f":"MAX(+AlgemeenOUD!C10,AlgemeenOUD!F10)","v":0},null,0,{"$f":"INDEX('Financiële Gegevens'!$B$22:$B$24,COLUMNS($BC:BC))","v":20384},{"$f":"INDEX('Financiële Gegevens'!$B$22:$B$24,COLUMNS($BC:BD))","v":38098},{"$f":"INDEX('Financiële Gegevens'!$B$22:$B$24,COLUMNS($BC:BE))","v":75518},null,null,null,null,"WOZ%"]
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[null,null,null,null,null,null,null,null,null,null,{"$f":"+BalO!AD21&\"\"","v":"X"},{"$f":"+BalO!AE21&\"\"","v":""},{"$f":"+BalO!AF21&\"\"","v":"K"},"Looptijd",null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K6&P$2)","v":30},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M6&P$2)","v":360},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K6&T$2)","v":30},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M6&T$2)","v":360},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K6&X$2)","v":30},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M6&X$2)","v":360},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K6&AB$2)","v":30},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M6&AB$2)","v":30},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K6&AF$2)","v":30},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M6&AF$2)","v":30},null,"Tijd",{"$f":"IF(AK$2=0,0,INDIRECT(\"'\"&$M$1&\"'!\"&$K6&AK$2))+1","v":1},null,null,null,"Index",{"$f":"+BalO!J13","v":0},null,null,null,null,null,null,null,null,null,"Pensioen",{"$f":"+PensioenOUD!C19","v":19777},{"$f":"MATCH(BA6,$BC$4:$BF$4,1)","v":1},{"$f":"MAX(0,IF(COLUMNS($BC:BC)<$BB6,BD$4,$BA6-BC$4))","v":19777},{"$f":"MAX(0,IF(COLUMNS($BC:BD)<$BB6,BE$4-BD$4,$BA6-BD$4))","v":0},{"$f":"MAX(0,IF(COLUMNS($BC:BE)<$BB6,BF$4-BE$4,$BA6-BE$4))","v":0},{"$f":"MAX(0,IF(COLUMNS($BC:BF)<$BB6,BG5,$BA6-BF$4))","v":0},{"$f":"INDEX('Financiële Gegevens'!$C$29:$C$34,COLUMNS($BG:BG))","v":0.19070000000000001},{"$f":"INDEX('Financiële Gegevens'!$C$29:$C$34,COLUMNS($BG:BH))","v":0.19070000000000001},{"$f":"INDEX('Financiële Gegevens'!$C$29:$C$34,COLUMNS($BG:BI))","v":0.36969999999999997},{"$f":"INDEX('Financiële Gegevens'!$C$29:$C$34,COLUMNS($BG:BJ))","v":0.495},{"$f":"INDEX(BG6:BJ6,BB6)","v":0.19070000000000001}]
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[null,null,null,null,null,null,null,null,null,null,{"$f":"+BalO!AD23&\"\"","v":"O"},{"$f":"+BalO!AE23&\"\"","v":"N"},{"$f":"+BalO!AF23&\"\"","v":"Z"},"Extra",null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K8&P$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$L8&P$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M8&P$2)","v":false},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K8&T$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$L8&T$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M8&T$2)","v":false},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K8&X$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$L8&X$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M8&X$2)","v":0},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K8&AB$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$L8&AB$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M8&AB$2)","v":0},null,{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$K8&AF$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$L8&AF$2)","v":0},{"$f":"INDIRECT(\"'\"&$M$1&\"'!\"&$M8&AF$2)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pensioen",{"$f":"+Gegevens!C414","v":65},null,null,null,null,"maxP",{"$f":"+BG5","v":0.36969999999999997},{"$f":"MIN(BH5,$BJ$8)","v":0.36969999999999997},{"$f":"MIN(BI5,$BJ$8)","v":0.36969999999999997},{"$f":"hyp_maxperc","v":0.37069999999999997}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[null,"WOZ waarde",null,null,null,null,{"$f":"LinO!G7","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"AnO!O7","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:"]
[null,"Marktwaarde",null,null,null,null,{"$f":"Annuiteit!$G$8","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"AnO!O8","v":"Geen"},null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan."]
[null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I."]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"IFERROR(VALUE(AlgemeenOUD!C41),0)","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,"Indexering:"]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
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[]
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[null,"Hypotheekvorm",null,null,"Hoofdsom",null,null,"Looptijd",null,"Jaar","Rente","Aftrekbaarheid",null,null,"Extra Aflossing",null,null,"NHG",null,null,null,null,null,null,"niet 30j",null,null,"Type(A/L/)",null,{"$f":"CHAR(64+COLUMN(W22))","v":"W"}]
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[null,{"$f":"Annuiteit!B22","v":" "},null,null,{"$f":"Annuiteit!E22","v":0},null,null,{"$f":"Annuiteit!H22","v":0},null,{"$f":"Annuiteit!J22","v":0},{"$f":"Annuiteit!K22","v":0},{"$f":"Annuiteit!L22*12","v":0},{"$f":"Annuiteit!M22","v":0},null,null,null,null,null,null,null,null,null," ",1,30,false,{"$f":"BijVK!D16","v":0},"Extra",null,{"$f":"CHAR(64+COLUMN(P25))","v":"P"},{"$f":"CHAR(64+COLUMN(O25))","v":"O"},{"$f":"CHAR(64+COLUMN(Z25))","v":"Z"}]
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[]
[0]
[0]
[0]
[0]
["Gewogen "]
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["Gewogen ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(U36=4,IF(isbankspaar,4,5),U36)","v":1},{"$f":"IF(V36=4,IF(isbankspaar,4,5),V36)","v":2}]
["Percentage"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto zonder restschuld",null,{"$f":"SUM(P41:P70)*12+(SUM((P21:P28),SUM(R41:R70)*12+(SUM((P21:P28)))))","v":5220},null,{"$f":"SUM(AG41:AG75)*12","v":5220}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto met restschuld",null,{"$f":"SUM(Q41:Q70)*12+(SUM((P21:P28)))","v":5220}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto zonder",null,{"$f":"SUM(Q41:S70)*12+(SUM((P21:P28)))","v":5220}]
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[]
[]
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[]
[]
[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
[null,null,"Rente deel 1",1,{"$f":"J21","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E89-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F89,'Vrije Keuze'!E89)","v":10}]
[null,null,"Rente deel 2",2,{"$f":"J22","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E90-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F90,'Vrije Keuze'!E90)","v":10}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E91-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F91,'Vrije Keuze'!E91)","v":10}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E92-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F92,'Vrije Keuze'!E92)","v":10}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E93-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F93,'Vrije Keuze'!E93)","v":10}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Lineair"}]
[]
[]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%\"","v":"Fictief rentescenario; na  jr 0%"},{"$f":"IF(AND(AZ22=0,AZ21>0),1,0)","v":0},{"$f":"IF(C106=1,B106,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"% en na \"&AZ22&\" jr \"&BA22*100&\"%\"","v":"Fictief rentescenario; na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ23=0,AZ22>0),1,0)","v":0},{"$f":"IF(C107=1,B107,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"% en na \"&AZ23&\" jr \"&BA23*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24=0,AZ23>0),1,0)","v":0},{"$f":"IF(C108=1,B108,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"%, na \"&AZ23&\" jr \"&BA23*100&\"% en na \"&AZ24&\" jr \"&BA24*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24>0,AZ23>0),1,0)","v":0},{"$f":"IF(C109=1,B109,0)","v":0}]
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["Hypotrust Woon Bewust",345,4,7,"x","NHG",null,"2",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,2,9.4000000000000004E-3,null,1.44E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,2,1.54E-2,1.44E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,{"$f":"BC12","v":2},1.54E-2,{"$f":"BE12-$BD$12","v":-1.0000000000000009E-3},{"$f":"BF12-$BD$12","v":0},{"$f":"BG12-$BD$12","v":1.0000000000000009E-3},{"$f":"BH12-$BD$12","v":2.9999999999999992E-3},{"$f":"BI12-$BD$12","v":6.9999999999999993E-3}]
["Hypotrust Goede Start",338,4,6,"x","NHG",null,"3",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,3,9.4000000000000004E-3,null,1.4400000000000001E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,3,1.5900000000000001E-2,1.44E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,3,1.5900000000000001E-2,{"$f":"BE13-$BD$13","v":-1.5000000000000013E-3},{"$f":"BF13-$BD$13","v":-5.0000000000000044E-4},{"$f":"BG13-$BD$13","v":5.0000000000000044E-4},{"$f":"BH13-$BD$13","v":2.4999999999999988E-3},{"$f":"BI13-$BD$13","v":6.4999999999999988E-3}]
["Hypotrust Elan Plus",329,6,8,"x","NHG",null,"4",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,4,9.4000000000000004E-3,null,1.4400000000000001E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,4,1.5900000000000001E-2,1.44E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,4,1.5900000000000001E-2,{"$f":"BE14-$BD$14","v":-1.5000000000000013E-3},{"$f":"BF14-$BD$14","v":-5.0000000000000044E-4},{"$f":"BG14-$BD$14","v":5.0000000000000044E-4},{"$f":"BH14-$BD$14","v":2.4999999999999988E-3},{"$f":"BI14-$BD$14","v":6.4999999999999988E-3}]
["Hypotrust Comfort",318,4,10,"x","NHG",null,"5",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,5,9.4000000000000004E-3,null,1.4400000000000001E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.5900000000000001E-2,1.44E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.24E-2,5,1.5900000000000001E-2,{"$f":"BE15-$BD$15","v":-1.5000000000000013E-3},{"$f":"BF15-$BD$15","v":-5.0000000000000044E-4},{"$f":"BG15-$BD$15","v":5.0000000000000044E-4},{"$f":"BH15-$BD$15","v":2.4999999999999988E-3},{"$f":"BI15-$BD$15","v":6.4999999999999988E-3}]
["Tulp",311,5,6,"x","NHG",null,"6",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,6,9.4000000000000004E-3,null,1.8000000000000002E-2,1.9E-2,0.02,2.2000000000000002E-2,2.6000000000000002E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.9900000000000001E-2,1.7899999999999999E-2,1.89E-2,1.9900000000000001E-2,2.1899999999999999E-2,2.5899999999999999E-2,6,1.9900000000000001E-2,{"$f":"BE16-$BD$16","v":-2.0000000000000018E-3},{"$f":"BF16-$BD$16","v":-1.0000000000000009E-3},{"$f":"BG16-$BD$16","v":0},{"$f":"BH16-$BD$16","v":1.9999999999999983E-3},{"$f":"BI16-$BD$16","v":5.9999999999999984E-3}]
["Vista",304,5,6,"x","NHG",null,"7",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,7,9.4000000000000004E-3,null,1.84E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.24E-2,2.64E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,7,1.9900000000000001E-2,1.7899999999999999E-2,1.89E-2,1.9900000000000001E-2,2.1899999999999999E-2,2.5899999999999999E-2,7,1.9900000000000001E-2,{"$f":"BE17-$BD$17","v":-2.0000000000000018E-3},{"$f":"BF17-$BD$17","v":-1.0000000000000009E-3},{"$f":"BG17-$BD$17","v":0},{"$f":"BH17-$BD$17","v":1.9999999999999983E-3},{"$f":"BI17-$BD$17","v":5.9999999999999984E-3}]
["Attens",293,4,10,"x","NHG",null,"8",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,8,9.4000000000000004E-3,null,1.84E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.24E-2,2.64E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,8,1.9900000000000001E-2,1.7899999999999999E-2,1.89E-2,1.9900000000000001E-2,2.1899999999999999E-2,2.5899999999999999E-2,8,1.9900000000000001E-2,{"$f":"BE18-$BD$18","v":-2.0000000000000018E-3},{"$f":"BF18-$BD$18","v":-1.0000000000000009E-3},{"$f":"BG18-$BD$18","v":0},{"$f":"BH18-$BD$18","v":1.9999999999999983E-3},{"$f":"BI18-$BD$18","v":5.9999999999999984E-3}]
["Tellius",285,3,7,"x","NHG",null,"9",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.5999999999999999E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,9,9.4000000000000004E-3,null,1.84E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.24E-2,2.64E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,9,1.9900000000000001E-2,1.7899999999999999E-2,1.89E-2,1.9900000000000001E-2,2.1899999999999999E-2,2.5899999999999999E-2,9,1.9900000000000001E-2,{"$f":"BE19-$BD$19","v":-2.0000000000000018E-3},{"$f":"BF19-$BD$19","v":-1.0000000000000009E-3},{"$f":"BG19-$BD$19","v":0},{"$f":"BH19-$BD$19","v":1.9999999999999983E-3},{"$f":"BI19-$BD$19","v":5.9999999999999984E-3}]
["Merius",277,4,7,"x","NHG",null,"10",1.1000000000000001E-3,2.5999999999999999E-3,4.1000000000000003E-3,5.1000000000000004E-3,9.5999999999999992E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,10,9.4000000000000004E-3,null,1.84E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.24E-2,2.64E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.9900000000000001E-2,1.7899999999999999E-2,1.89E-2,1.9900000000000001E-2,2.1899999999999999E-2,2.5899999999999999E-2,10,1.9900000000000001E-2,{"$f":"BE20-$BD$20","v":-2.0000000000000018E-3},{"$f":"BF20-$BD$20","v":-1.0000000000000009E-3},{"$f":"BG20-$BD$20","v":0},{"$f":"BH20-$BD$20","v":1.9999999999999983E-3},{"$f":"BI20-$BD$20","v":5.9999999999999984E-3}]
["Venn",265,6,11,"x","NHG",null,"12",6.9999999999999999E-4,2.2000000000000001E-3,3.7000000000000002E-3,5.1999999999999998E-3,9.1999999999999998E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,12,1.2699999999999999E-2,null,2.3400000000000001E-2,2.4400000000000002E-2,2.5399999999999999E-2,2.7400000000000001E-2,3.1399999999999997E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,12,2.29E-2,2.3400000000000001E-2,2.4400000000000002E-2,2.5399999999999999E-2,2.7400000000000001E-2,3.1399999999999997E-2,12,2.29E-2,{"$f":"BE21-$BD$21","v":5.0000000000000044E-4},{"$f":"BF21-$BD$21","v":1.5000000000000013E-3},{"$f":"BG21-$BD$21","v":2.4999999999999988E-3},{"$f":"BH21-$BD$21","v":4.5000000000000005E-3},{"$f":"BI21-$BD$21","v":8.4999999999999971E-3}]
["Woonfonds",250,7,14,"x","NHG",null,"15",6.9999999999999999E-4,2.2000000000000001E-3,3.7000000000000002E-3,5.1999999999999998E-3,9.1999999999999998E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,15,1.2699999999999999E-2,null,2.3400000000000001E-2,2.4400000000000002E-2,2.5399999999999999E-2,2.7400000000000001E-2,3.1399999999999997E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.29E-2,2.3400000000000001E-2,2.4400000000000002E-2,2.5399999999999999E-2,2.7400000000000001E-2,3.1399999999999997E-2,15,2.29E-2,{"$f":"BE22-$BD$22","v":5.0000000000000044E-4},{"$f":"BF22-$BD$22","v":1.5000000000000013E-3},{"$f":"BG22-$BD$22","v":2.4999999999999988E-3},{"$f":"BH22-$BD$22","v":4.5000000000000005E-3},{"$f":"BI22-$BD$22","v":8.4999999999999971E-3}]
["Reaal",238,5,11,"x","NHG",null,"17",5.9999999999999995E-4,2.0999999999999999E-3,3.5999999999999999E-3,5.1000000000000004E-3,9.1000000000000004E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,17,1.4200000000000001E-2,null,2.4200000000000003E-2,2.52E-2,2.6200000000000001E-2,2.8200000000000003E-2,3.2199999999999999E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,17,2.35E-2,2.47E-2,2.5700000000000001E-2,2.6700000000000002E-2,2.87E-2,3.27E-2,17,2.35E-2,{"$f":"BE23-$BD$23","v":1.1999999999999997E-3},{"$f":"BF23-$BD$23","v":2.2000000000000006E-3},{"$f":"BG23-$BD$23","v":3.2000000000000015E-3},{"$f":"BH23-$BD$23","v":5.1999999999999998E-3},{"$f":"BI23-$BD$23","v":9.1999999999999998E-3}]
["Centraal Beheer",223,6,14,"x","NHG",null,"20",-2.0000000000000001E-4,1.2999999999999999E-3,2.8E-3,4.3E-3,8.3000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,20,1.23E-2,null,2.6200000000000001E-2,2.7200000000000002E-2,2.8200000000000003E-2,3.0200000000000001E-2,3.4200000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,2.41E-2,2.47E-2,2.5700000000000001E-2,2.6700000000000002E-2,2.87E-2,3.27E-2,20,2.41E-2,{"$f":"BE24-$BD$24","v":5.9999999999999984E-4},{"$f":"BF24-$BD$24","v":1.6000000000000007E-3},{"$f":"BG24-$BD$24","v":2.6000000000000016E-3},{"$f":"BH24-$BD$24","v":4.5999999999999999E-3},{"$f":"BI24-$BD$24","v":8.6E-3}]
["Rabobank",204,3,18,"x","NHG",null,"25",1.6999999999999999E-3,3.2000000000000002E-3,4.7000000000000002E-3,6.1999999999999998E-3,1.0200000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,25,1.4200000000000001E-2,null,2.6800000000000001E-2,2.7799999999999998E-2,2.8799999999999999E-2,3.0800000000000001E-2,3.4799999999999998E-2,"","","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,"Obvion","NHG",0.55000000000000004,0.7,0.8,0.9,1.01,1.1000000000000001,null,"NHG",{"$f":"BE25","v":0.55000000000000004},0.7,0.8,0.9,1.01,1.1000000000000001]
["BijBouwe",196,7,7,"x","NHG",null,{"$f":"AA26&\"\"","v":"30"},3.0000000000000001E-3,4.4999999999999997E-3,6.0000000000000001E-3,7.4999999999999997E-3,1.15E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,30,1.4200000000000001E-2,null,0.55000000000000004,0.7,0.8,0.9,1.01,1.1000000000000001,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,1,1.6E-2,1.6E-2,1.7000000000000001E-2,1.7500000000000002E-2,1.7999999999999999E-2,2.1999999999999999E-2,2.3E-2,{"$f":"BC26","v":1},{"$f":"BD26","v":1.6E-2},{"$f":"BE26-$BE$26","v":0},1.0000000000000009E-3,1.5000000000000013E-3,1.9999999999999983E-3,5.9999999999999984E-3,6.9999999999999993E-3]
["IQWOON",188,4,7,"x","NHG",null,"Obvion",0.6,0.8,0.9,1,1.1000000000000001,null,null,null,null,null,null,null,null,null,null,null,null,null,"Obvion","NHG",null,1.7000000000000001E-2,1.8000000000000002E-2,1.8500000000000003E-2,1.9000000000000003E-2,2.3E-2,2.4E-2,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,2,1.0999999999999999E-2,1.0999999999999999E-2,1.2E-2,1.2500000000000001E-2,1.2999999999999999E-2,1.7000000000000001E-2,1.7999999999999999E-2,2,1.0999999999999999E-2,{"$f":"BE27-$BE$27","v":0},1.0000000000000009E-3,1.5000000000000013E-3,2E-3,6.0000000000000019E-3,6.9999999999999993E-3]
["Syntrus Achmea",176,0,11,"x",1.46E-2,null,"1",1.5E-3,3.0000000000000001E-3,4.0000000000000001E-3,5.4999999999999997E-3,0.01,null,null,null,null,null,null,null,null,null,null,null,null,null,1,8.6E-3,null,1.4E-2,1.4999999999999999E-2,1.55E-2,1.6E-2,0.02,2.1000000000000001E-2,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.15E-2,1.15E-2,1.2500000000000001E-2,1.2999999999999999E-2,1.35E-2,1.7500000000000002E-2,1.8499999999999999E-2,5,1.15E-2,{"$f":"BE28-$BE$28","v":0},1.0000000000000009E-3,1.4999999999999996E-3,2E-3,6.0000000000000019E-3,6.9999999999999993E-3]
["Nationale Nederlanden",165,8,10,"x","NHG",null,"2",1.5E-3,3.0000000000000001E-3,4.0000000000000001E-3,5.4999999999999997E-3,0.01,null,null,null,null,null,null,null,null,null,null,null,null,null,2,8.6E-3,null,1.6500000000000001E-2,1.7500000000000002E-2,1.8000000000000002E-2,1.8500000000000003E-2,2.2499999999999999E-2,2.35E-2,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.34E-2,1.34E-2,1.44E-2,1.49E-2,1.54E-2,1.9400000000000001E-2,2.0400000000000001E-2,6,1.34E-2,{"$f":"BE29-$BE$29","v":0},9.9999999999999915E-4,1.4999999999999996E-3,2E-3,6.0000000000000001E-3,7.000000000000001E-3]
["Lloyds",157,3,7,"x","NHG",null,"3",1.5E-3,3.0000000000000001E-3,4.0000000000000001E-3,5.4999999999999997E-3,0.01,null,null,null,null,null,null,null,null,null,null,null,null,null,3,8.8999999999999999E-3,null,1.84E-2,1.9400000000000001E-2,1.9900000000000001E-2,2.0400000000000001E-2,2.4399999999999998E-2,2.5399999999999999E-2,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,7,1.3899999999999999E-2,1.3899999999999999E-2,1.49E-2,1.54E-2,1.5900000000000001E-2,1.9900000000000001E-2,2.0899999999999998E-2,7,1.3899999999999999E-2,{"$f":"BE30-$BE$30","v":0},1.0000000000000009E-3,1.5000000000000013E-3,2.0000000000000018E-3,6.0000000000000019E-3,6.9999999999999993E-3]
["ING",146,11,10,"x","NHG",null,"4",1.5E-3,3.0000000000000001E-3,4.0000000000000001E-3,5.4999999999999997E-3,0.01,null,null,null,null,null,null,null,null,null,null,null,null,null,4,8.9999999999999993E-3,null,1.89E-2,1.9900000000000001E-2,2.0400000000000001E-2,2.0900000000000002E-2,2.4899999999999999E-2,2.5899999999999999E-2,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.7899999999999999E-2,1.7899999999999999E-2,1.89E-2,1.9400000000000001E-2,1.9900000000000001E-2,2.3900000000000001E-2,2.4899999999999999E-2,10,1.7899999999999999E-2,{"$f":"BE31-$BE$31","v":0},1.0000000000000009E-3,1.5000000000000013E-3,2.0000000000000018E-3,6.0000000000000019E-3,6.9999999999999993E-3]
["Florius",136,5,9,"x","NHG",null,"5",1.5E-3,3.0000000000000001E-3,4.0000000000000001E-3,5.4999999999999997E-3,0.01,null,null,null,null,null,null,null,null,null,null,null,null,null,5,9.1999999999999998E-3,null,2.1100000000000001E-2,2.2100000000000002E-2,2.2600000000000002E-2,2.3100000000000002E-2,2.7099999999999999E-2,2.81E-2,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,12,2.1899999999999999E-2,2.1899999999999999E-2,2.29E-2,2.3400000000000001E-2,2.3900000000000001E-2,2.7900000000000001E-2,2.8899999999999999E-2,12,2.1899999999999999E-2,{"$f":"BE32-$BE$32","v":0},1.0000000000000009E-3,1.5000000000000013E-3,2.0000000000000018E-3,6.0000000000000019E-3,6.9999999999999993E-3]
["BLG",124,9,11,"x","NHG",null,"6",1.5E-3,3.0000000000000001E-3,4.0000000000000001E-3,5.4999999999999997E-3,0.01,null,null,null,null,null,null,null,null,null,null,null,null,null,6,9.2999999999999992E-3,null,2.4299999999999999E-2,2.4299999999999999E-2,2.58E-2,2.6299999999999997E-2,3.0300000000000001E-2,3.1300000000000001E-2,"","","","","","",null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.3400000000000001E-2,2.3400000000000001E-2,2.4400000000000002E-2,2.4899999999999999E-2,2.5399999999999999E-2,2.9399999999999999E-2,3.04E-2,15,2.3400000000000001E-2,{"$f":"BE33-$BE$33","v":0},1.0000000000000009E-3,1.4999999999999979E-3,1.9999999999999983E-3,5.9999999999999984E-3,6.9999999999999993E-3]
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[null,null,null,null,null,null,null,"20",8.9999999999999998E-4,1.6000000000000001E-3,3.0000000000000001E-3,4.8999999999999998E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,1.35E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"30",1.4E-3,1.9E-3,3.8999999999999998E-3,5.4000000000000003E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,1.61E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"Vista",0.6,0.8,0.9,0.95,1.1499999999999999,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vista","NHG",null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"1",1.1000000000000001E-3,2.3999999999999998E-3,3.8E-3,4.4999999999999997E-3,5.1999999999999998E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,1,7.9000000000000008E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"5",1.4E-3,2.5000000000000001E-3,3.5999999999999999E-3,4.1000000000000003E-3,5.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,5,8.6E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"10",1.4E-3,2.7000000000000001E-3,3.8999999999999998E-3,4.7999999999999996E-3,5.4000000000000003E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,10,8.8999999999999999E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"15",1.9E-3,2.8999999999999998E-3,4.4999999999999997E-3,5.1999999999999998E-3,5.8999999999999999E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,15,1.0999999999999999E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"20",2.0999999999999999E-3,2.7000000000000001E-3,3.8E-3,4.7999999999999996E-3,5.1999999999999998E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,20,1.29E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"30",1.2999999999999999E-3,2.3E-3,4.1000000000000003E-3,4.3E-3,4.7999999999999996E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,30,1.54E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"Tulp",0.6,0.8,0.9,0.95,1,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tulp","NHG",null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"5",-2.8999999999999998E-3,-2.8999999999999998E-3,-2.5999999999999999E-3,-2.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.6500000000000001E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,{"$f":"AA313&\"\"","v":"10"},-2.8999999999999998E-3,-2.8999999999999998E-3,-2.5999999999999999E-3,-2.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.77E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"15",-2.8999999999999998E-3,-2.8999999999999998E-3,-2.5999999999999999E-3,-2.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.0199999999999999E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"20",-2.8999999999999998E-3,-2.8999999999999998E-3,-2.5999999999999999E-3,-2.3E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,2.1000000000000001E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"25",-2.5999999999999999E-3,-2.5999999999999999E-3,-2.3E-3,-2E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,2.3199999999999998E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"30",-2.5999999999999999E-3,-2.5999999999999999E-3,-2.3E-3,-2E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,2.4E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"Hypotrust Comfort",0.65,0.85,0.95,1.06,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hypotrust Comfort","NHG",null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"1",8.9999999999999998E-4,2.3E-3,4.0000000000000001E-3,6.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,8.6E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"2",8.9999999999999998E-4,2.3E-3,4.0000000000000001E-3,6.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,8.6E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"3",8.9999999999999998E-4,2.3E-3,4.0000000000000001E-3,6.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,8.6E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"5",8.9999999999999998E-4,2.3999999999999998E-3,4.4000000000000003E-3,6.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,8.6999999999999994E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"6",1E-3,2.3999999999999998E-3,4.7999999999999996E-3,6.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,8.8000000000000005E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"7",8.9999999999999998E-4,2.5000000000000001E-3,4.8999999999999998E-3,6.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,8.8999999999999999E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"10",8.9999999999999998E-4,2.5000000000000001E-3,5.0000000000000001E-3,6.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,8.9999999999999993E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"12",2.0999999999999999E-3,4.0000000000000001E-3,4.8999999999999998E-3,5.8999999999999999E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,1.14E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"15",1.8E-3,4.0000000000000001E-3,5.4000000000000003E-3,6.8999999999999999E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,1.1900000000000001E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"20",1.5E-3,4.1000000000000003E-3,7.1000000000000004E-3,8.3000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,1.24E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"Hypotrust Elan Plus",0.45,0.6,0.7,0.8,0.9,1.06,null,null,null,null,null,null,null,null,null,null,null,null,"Hypotrust Elan Plus","NHG",null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"1",-3.0000000000000001E-3,-2.8999999999999998E-3,-2E-3,-1.9E-3,-4.0000000000000002E-4,1.6000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,1,1.1900000000000001E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"3",-3.0000000000000001E-3,-2.8999999999999998E-3,-1.8E-3,-1.6999999999999999E-3,-4.0000000000000002E-4,1.6000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,3,1.2E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"5",-3.0000000000000001E-3,-2.8999999999999998E-3,-1.8E-3,-1.6999999999999999E-3,-4.0000000000000002E-4,1.6000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,5,1.21E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"7",-3.5000000000000001E-3,-2.8999999999999998E-3,-1.8E-3,-1.6999999999999999E-3,-4.0000000000000002E-4,1.6000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,7,1.17E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"10",-3.0999999999999999E-3,-2.8999999999999998E-3,-1.9E-3,-1.8E-3,-4.0000000000000002E-4,1.6000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,10,1.2200000000000001E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"15",-5.1000000000000004E-3,-2.8999999999999998E-3,-1.8E-3,-1.6999999999999999E-3,-1E-4,1.5E-3,null,null,null,null,null,null,null,null,null,null,null,null,15,1.23E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"20",-2.5000000000000001E-3,-2.3999999999999998E-3,-1.2999999999999999E-3,-1.1999999999999999E-3,4.0000000000000002E-4,2E-3,null,null,null,null,null,null,null,null,null,null,null,null,20,1.55E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"30",-2E-3,-1.9E-3,-8.0000000000000004E-4,-6.9999999999999999E-4,8.9999999999999998E-4,2.5000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,30,1.8100000000000002E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"Hypotrust Goede Start",0.65,0.85,0.95,1.06,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hypotrust Goede Start","NHG",null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"5",null,8.8999999999999996E-2,8.8999999999999996E-2,8.8999999999999996E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.0999999999999999E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"10",null,8.7999999999999995E-2,8.7999999999999995E-2,8.7999999999999995E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.2E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"15",null,8.5000000000000006E-2,8.5000000000000006E-2,8.5000000000000006E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,1.4999999999999999E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"20",null,8.4000000000000005E-2,8.4000000000000005E-2,8.4000000000000005E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,1.6E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"25",null,8.1000000000000003E-2,8.1000000000000003E-2,8.1000000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,1.9E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"30",null,8.1000000000000003E-2,8.1000000000000003E-2,8.1000000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,1.9E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"Hypotrust Woon Bewust",0.6,0.85,0.95,1.06,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hypotrust Woon Bewust","NHG",null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"1",1E-3,2.2000000000000001E-3,9.1200000000000003E-2,9.1200000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,8.8000000000000005E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"5",1E-3,2.5999999999999999E-3,9.1200000000000003E-2,9.1200000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,8.8000000000000005E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"10",1E-3,2.5999999999999999E-3,9.1200000000000003E-2,9.1200000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,8.8000000000000005E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"15",1.9E-3,3.2000000000000002E-3,8.8599999999999998E-2,8.8599999999999998E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,1.14E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"20",8.9999999999999998E-4,2.2000000000000001E-3,8.7599999999999997E-2,8.7599999999999997E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,1.24E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"25",2.0999999999999999E-3,3.3999999999999998E-3,8.5800000000000001E-2,8.5800000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,1.4200000000000001E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"30",2.0999999999999999E-3,3.3999999999999998E-3,8.5800000000000001E-2,8.5800000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,1.4200000000000001E-2,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"Hypotrust Vrij Leven",0.6,0.8,0.9,1.06,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hypotrust Vrij Leven","NHG",null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"1",null,2.0999999999999999E-3,9.2499999999999999E-2,9.2499999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,7.4999999999999997E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
[null,null,null,null,null,null,null,"2",1E-3,1.9E-3,9.2100000000000001E-2,9.2100000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,7.9000000000000008E-3,null,2.5999999999999999E-2,2.75E-2,2.9000000000000001E-2,2.9499999999999998E-2,3.09E-2]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stand eind jaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34>P$6;0;(ALS(P$5=\"A\";TW(O34/12;12;Q34/12;-P33);ALS(P$5=\"L\";P33-P33/(P$6-$N34+1);P33)))-ALS(OF(EN(R$8;$N34<P$6);Q$8=$N34);P$8;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; stand na 12 maanden, start in rij-1; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,"-/- extra aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente en Aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";BET(O34/12;(P$6-$N34+1)*12;-P33)*ALS($N34>$P$6;Q$6;12);ALS(P$5=\"L\";ALS($N34>P$6;P33;P33/(P$6-$N34+1)+R34);R34)))",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N34-0,99, neem ook J+1 mee, als er maanden zijn, anders nul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: BET, berekent bedrag per maand uit a.d.h.v. stand j -1 * maanden of 12 als niet laatste jaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",null,null,null,null,null,null,null,null,"L: "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";Q34-(P33-P34)+ALS(OF(EN(R$8;P$6<$N34);Q$8=$N34);P$8;0);ALS(P$5=\"L\";(P33+P34)/2*O34;P33*O34)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: (P33-P34):afgelost af Q34, geeft rente + extra aflossing",null,null,null,null,null,null,null,null,"L: Gemiddelde stand * rente"]
[]
[]
[]
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[]
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[]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoeveel leningdelen zijn er?",null,null,{"$f":"SUM(O98:O104)","v":2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Middelrente definitief",null,null,{"$f":"P105/R96","v":4.0000000000000015E-2}]
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[{"$f":"VLOOKUP(B6,EY7:EZ8,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"AnO!B6","v":"Totaal netto betaald"},null,null,null,null,"Na",30,"jr:",{"$f":"AnO!G6","v":5220},null,"Onderhoud",null,null,null,{"$f":"AnO!O6","v":14.5},null,null,null,null,null,null,null,"Lineair",null,null,null,null,null,null,null,{"$f":"IF(AF4,Algemeen!S21,INDEX(Ropsl_banken,AF5))","v":"Neo Hypotheken"}]
[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AnO!G7","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"AnO!O7","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:"]
[null,"Marktwaarde",null,null,null,null,{"$f":"'Vrije Keuze'!G8","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"AnO!O8","v":"Geen"},null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan."]
[null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I."]
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[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
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[]
[0]
[0]
[0]
[0]
["Gewogen "]
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["Gewogen "]
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[]
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[{"$f":"AnO!A69","v":""},{"$f":"'Optimaal OUD'!B70","v":""},{"$f":"'Optimaal OUD'!C70","v":29},{"$f":"'Optimaal OUD'!D70","v":30},{"$f":"'Optimaal OUD'!E70","v":3387},null,{"$f":"'Optimaal OUD'!G70","v":74},null,null,{"$f":"'Optimaal OUD'!J70","v":3387.0000000000573},null,{"$f":"'Optimaal OUD'!L70","v":-5.7525539887137711E-11},null,{"$f":"'Optimaal OUD'!N70","v":0},null,{"$f":"'Optimaal OUD'!P70","v":302.9180273036402},{"$f":"'Optimaal OUD'!Q70","v":302.9180273036402},null,null,{"$f":"INDEX($AA70:$AG70,T$37)+OverlijdenOUD!AK44","v":0},0,0,null,null,null,null,{"$f":"+BijAlgOvg!BB40","v":0},{"$f":"+BijAlgOvg!BC40","v":0},{"$f":"BijVK!AW41","v":0},{"$f":"BijVK!AU41","v":0},{"$f":"'ORV voor in berekeningen'!V38+'ORV voor in berekeningen'!AP38","v":0},{"$f":"(BijVK!AX41+BijAlgOvg!AX41)/12+$E$12+OverlijdenOUD!AK44-OverlijdenOUD!AJ44+DR74+Overbrugging!D30/12","v":14.5},{"$f":"AF70+BijVK!BA41/12","v":14.5}]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto zonder restschuld",null,{"$f":"SUM(P41:P70)*12+(SUM((P21:P28),SUM(R41:R70)*12+(SUM((P21:P28)))))","v":109050.48982931525},null,{"$f":"SUM(AG41:AG75)*12","v":5220}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto met restschuld",null,{"$f":"SUM(Q41:Q70)*12+(SUM((P21:P28)))","v":109050.48982931525}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto zonder",null,{"$f":"SUM(Q41:S70)*12+(SUM((P21:P28)))","v":109050.48982931525}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto met",null,{"$f":"SUM(#REF!)*12+(SUM((P21:P28)))","v":{"$error":"#REF!"}}]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
[null,null,"Rente deel 1",1,{"$f":"J21","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E89-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F89,'Vrije Keuze'!E89)","v":10}]
[null,null,"Rente deel 2",2,{"$f":"J22","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E90-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F90,'Vrije Keuze'!E90)","v":10}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E91-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F91,'Vrije Keuze'!E91)","v":10}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E92-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F92,'Vrije Keuze'!E92)","v":10}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E93-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F93,'Vrije Keuze'!E93)","v":10}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Optimaal"}]
[]
[]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%\"","v":"Fictief rentescenario; na  jr 0%"},{"$f":"IF(AND(AZ22=0,AZ21>0),1,0)","v":0},{"$f":"IF(C106=1,B106,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"% en na \"&AZ22&\" jr \"&BA22*100&\"%\"","v":"Fictief rentescenario; na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ23=0,AZ22>0),1,0)","v":0},{"$f":"IF(C107=1,B107,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"% en na \"&AZ23&\" jr \"&BA23*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24=0,AZ23>0),1,0)","v":0},{"$f":"IF(C108=1,B108,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"%, na \"&AZ23&\" jr \"&BA23*100&\"% en na \"&AZ24&\" jr \"&BA24*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24>0,AZ23>0),1,0)","v":0},{"$f":"IF(C109=1,B109,0)","v":0}]
[null,null,null,{"$f":"VLOOKUP(1,C106:D109,2,FALSE)","v":{"$error":"#N/A"}}]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jaar accentueren?"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premie toevoegen?","PM? ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jaren?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C43>1,Algemeen!M32,Algemeen!E43)","v":0},{"$f":"IF(AlgemeenOUD!C43>1,Algemeen!O32,Algemeen!E26)","v":10},null,{"$f":"IF(Algemeen!Q32>0,Algemeen!Q32,uw_gekozen_rente)","v":3.7999999999999999E-2}]
[null,{"$f":"AnO!B4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AQ21","v":4.0010000662295521E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"FB51","v":30},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C43>1,Algemeen!M33,0)","v":0},{"$f":"IF(Algemeen!O33>0,Algemeen!O33,IF(J21>0,J21,0))","v":10},null,{"$f":"IF(Algemeen!Q33>0,Algemeen!Q33,IF(K21>0,K21,0))","v":4.2000000000000003E-2}]
[null,{"$f":"AnO!B5","v":"Hypotheeksom"},null,null,null,{"$f":"IF(nhg=FALSE,IF(Algemeen!H39>0,'Optimaal OUD'!G5/Algemeen!L39,(G5/G8)),0)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(E21:F28)","v":60396},null,null,null,null,"(Hoogste)IB-tarief",null,null,null,{"$f":"'Voorstel HOR'!G29","v":0.36969999999999997},null,null,null,null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,{"$f":"Algemeen!Y21","v":27},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Gewogen % zichtbaar"]
[{"$f":"VLOOKUP(B6,EW7:EX8,2,FALSE)","v":2},{"$f":"EW16","v":"Bruto betaald (excl. extra aflossing)"},null,null,null,null,"Na",{"$f":"BA4","v":30},"jr:",{"$f":"VLOOKUP(A6,EX7:EY8,2,FALSE)","v":109050.48982931525},null,"Onderhoud",null,null,null,{"$f":"IF(Algemeen!$B$58=TRUE,\"Loopt reeds\",IF(AlgemeenOUD!C41=0,\"Geen\",AlgemeenOUD!C41))","v":14.5},null,null,null,null,null,null,null,"Lineair",null,null,null,null,null,null,null,{"$f":"IF(AF4,Algemeen!S21,INDEX(Ropsl_banken,AF5))","v":"Neo Hypotheken"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Gewogen % niet zichtbaar"]
[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"IF(CI30>0,CI30,IF(AND(AlgemeenOUD!F29=0,CI30=0),\"Geen\",AlgemeenOUD!F29))","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:",null,null,null,null,null,"Renteafslag aan?","nee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gewogen % zichtbaar",null,null,null,null,null,"(dropdown)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Netto betaald (excl. extra aflossing)",1,{"$f":"SUM(OFFSET(AG41,0,0,H6,1))*12","v":109050.48982931525}]
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[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"AlgemeenOUD!C41","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,"Indexering:"]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
[null,"1e storting bankspaarrekening:",null,null,null,null,1,null,null,null,null,{"$f":"IF(ISERROR(BIJOptimaal!AT1),\"U kunt maar één bankspaar regel invoeren!\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!C27","v":0},{"$f":"IFERROR(AQ21,\"?\")","v":4.0010000662295521E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=> (middel)rente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI16*CH16","v":0},{"$f":"+CJ16*CG16","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(EW10,EV7:EW8,2,FALSE)","v":"Bruto betaald (excl. extra aflossing)"}]
[null,{"$f":"IF(G16>0,\"Premie banksparen\",\"Premie volgt na invullen 1e storting\")","v":"Premie banksparen"},null,null,null,null,{"$f":"IF(G16>0,BIJOptimaal!AT12,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(G5<>AH16,\"Totale leningdelen zijn niet gelijk aan de som op ALGEMEEN hierboven\",\"Som blad algemeen staat hierboven….\")","v":"Totale leningdelen zijn niet gelijk aan de som op ALGEMEEN hierboven"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI17*CH17","v":0},{"$f":"+CJ17*CG17","v":0}]
[null,{"$f":"IF(Algemeen!M24=TRUE,\"In dit advies is \"&AlgemeenOUD!F28&\" de geldverstrekker\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vast",null,{"$f":"CHAR(64+COLUMN(J21))","v":"J"},null,null,null,"Ruimte",null,"optimaal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Leningdeel 1",null,null,null,"Leningdeel 2",null,null,null,"Leningdeel 3",null,null,null,"Leningdeel 4",null,null,null,"Leningdeel 5",null,null,"Leningdeel 6",null,null,"Leningdeel 7",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI18*CH18","v":0},{"$f":"+CJ18*CG18","v":0}]
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[null,null,null,null,null,null,null,"Jr","Mnd","Vast",null,"Jaren","Bedrag",null,"Jaar","Aflossing",null,{"$f":"IF(G5>'Financiële Gegevens'!P33,\"Nee\",IF(AlgemeenOUD!G28=TRUE,\"Ja\",\"Nee\"))","v":"Nee"},null,null,null,null,{"$f":"NOT(ISERROR(MATCH(\"B\",W21:W30,)))","v":false},null,"ALOB","ieder jaar extra",null,"Looptijd",null,{"$f":"CHAR(64+COLUMN(Y23))","v":"Y"},{"$f":"CHAR(64+COLUMN(I23))","v":"I"},{"$f":"CHAR(64+COLUMN(L23))","v":"L"},null,{"$f":"IF(AND(ROWS($21:22)=$AL$30,$AK$32<0),\"Corrigeer: € \"&TEXT($AL$32,\"#.###0\"),IF(AND(AL22=1,$AK$32>0),IF(B22=\"\",\"Er is nog ruimte\",IF(AND(H22=0,I22=0),\"Vul looptijd in\",\"Ruimte: € \"&TEXT(FLOOR(-PV(K22/12,H22*12+(I22/12),$AK$32),1),\"#.###0\"))),\"\"))","v":"Corrigeer: € 28.663"},null,null,"Max Verst",{"$f":"'Maximale verstrekking'!W55","v":280.17416666032966},null,null,null,null,null,"=C1",null,null,null,null,null,null,null,"Jaar","%",null,null,"Jaar","%",null,null,"Jaar","%",null,null,"Jaar","%",null,null,"Jaar","%",null,"Jaar","%",null,"Jaar","%",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI20*CH20","v":0},{"$f":"+CJ20*CG20","v":0}]
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[null,null,null,null,null,null,null,0,0,0,0,0,0,null,null,null,null,"",null,null,null,null,null,null,null,false,{"$f":"BIJOptimaal!E21","v":0},null,null,null,null,null,null,null,null,null,0,0,0,0,0]
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[null,"=>Voeg rij toe",null,null,null,null,null,0,0,0,0,null,null,null,null,0,null,"",null,null,null,null,{"$f":"UPPER(LEFT(D29,1))","v":""},{"$f":"IF(ISBLANK(M29),100%,M29/F29)","v":1},null,null,{"$f":"BIJOptimaal!E23","v":0},null,null,null,null,null,null,{"$f":"AlgemeenOUD!C35","v":141562.90443379167},null,null,null,null,0,0,0]
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[null,null,null,null,"Jaren","Jaartal","Resultaat"]
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[null,null,"Rente deel 2",2,{"$f":"J22","v":0},{"$f":"'Financiële Gegevens'!M$53+'Optimaal OUD'!E89-1","v":2022},{"$f":"IF(Algemeen!M$44=TRUE,'Optimaal OUD'!F89,'Optimaal OUD'!E89)","v":0}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":0},{"$f":"'Financiële Gegevens'!M$53+'Optimaal OUD'!E90-1","v":2022},{"$f":"IF(Algemeen!M$44=TRUE,'Optimaal OUD'!F90,'Optimaal OUD'!E90)","v":0}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":0},{"$f":"'Financiële Gegevens'!M$53+'Optimaal OUD'!E91-1","v":2022},{"$f":"IF(Algemeen!M$44=TRUE,'Optimaal OUD'!F91,'Optimaal OUD'!E91)","v":0}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":0},{"$f":"'Financiële Gegevens'!M$53+'Optimaal OUD'!E92-1","v":2022},{"$f":"IF(Algemeen!M$44=TRUE,'Optimaal OUD'!F92,'Optimaal OUD'!E92)","v":0}]
[]
[]
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[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stand eind jaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34>P$6;0;(ALS(P$5=\"A\";TW(O34/12;12;Q34/12;-P33);ALS(P$5=\"L\";P33-P33/(P$6-$N34+1);P33)))-ALS(OF(EN(R$8;$N34<P$6);Q$8=$N34);P$8;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; stand na 12 maanden, start in rij-1; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,"-/- extra aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente en Aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";BET(O34/12;(P$6-$N34+1)*12;-P33)*ALS($N34>$P$6;Q$6;12);ALS(P$5=\"L\";ALS($N34>P$6;P33;P33/(P$6-$N34+1)+R34);R34)))",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N34-0,99, neem ook J+1 mee, als er maanden zijn, anders nul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: BET, berekent bedrag per maand uit a.d.h.v. stand j -1 * maanden of 12 als niet laatste jaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",null,null,null,null,null,null,null,null,"L: "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";Q34-(P33-P34)+ALS(OF(EN(R$8;P$6<$N34);Q$8=$N34);P$8;0);ALS(P$5=\"L\";(P33+P34)/2*O34;P33*O34)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: (P33-P34):afgelost af Q34, geeft rente + extra aflossing",null,null,null,null,null,null,null,null,"L: Gemiddelde stand * rente"]
[]
[]
[]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,8,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,9,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,10,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,11,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,12,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,14,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,16,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,21,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,22,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,23,2.9000000000000001E-2,2.9000000000000001E-2,1,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0,null,2.9000000000000001E-2,0,0]
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[null,null,null,null,null,"Belasting 2008"]
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[]
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["Aegon"]
["Allianz"]
["Argenta"]
["BLG"]
["BND"]
["Callas"]
["Cardif"]
["Centraal Beheer"]
["Dazure"]
["DELA"]
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["Florius"]
["Generali"]
["Hera life"]
["Klaverblad"]
["Legal & General"]
["Nationale Nederlanden"]
["Reaal "]
["Scildon"]
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["AEGON",null,null,null,"http://www.jkp-ads.com/Articles/ShowPicture00NL.asp",null,{"$f":"Algemeen!S24","v":"BijBouwe"}]
["Allianz",null,null,null,"Onderop verder gaan, volgorde gaat automatisch"]
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["ASR"]
["BLG"]
["Argenta"]
["BijBouwe"]
["Centraal Beheer"]
["Delta Lloyd"]
["Florius"]
["ING"]
["IQWOON"]
["Lloyds"]
["NIBC"]
["Merius"]
["Munt"]
["Nationale nederlanden"]
["Obvion"]
["Rabobank"]
["Reaal"]
["Syntrus Achmea"]
["Tellius"]
["Venn"]
["Vista"]
["Woonfonds"]
["Attens"]
["Tulp"]
["Hypotrust Comfort"]
["Hypotrust Elan Plus"]
["Hypotrust Goede Start"]
["Hypotrust Woon Bewust"]
["Hypotrust Vrij Leven"]
["Robuust"]
["HollandWoont"]
["Woonnu"]
["Lot Hypotheken"]
["Clarian"]
["asn"]
["BUNQ"]
["Neo Hypotheken"]

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[null,null,null,"Link naar site belasting HIER",null,null,null,null,"1e schijf",null,0,{"$f":"'Financiële Gegevens'!B22","v":20384},2477]
[null,null,null,null,null,null,null,null,"2e schijf",null,20385,{"$f":"'Financiële Gegevens'!B24","v":75518},{"$f":"(M2)-((H11-L2-N25)*5.147%)","v":180.61447999999973}]
[null,null,null,"Percentage voor AOW",null,null,null,5.1470000000000002E-2,"3e schijf",null,68507,null,0]
[null,null,null,"Percentage na AOW",null,null,null,6.2630000000000005E-2,null,null,{"$f":"+N25","v":0}]
[null,null,null,"WOZ",null,null,null,150000,null,null,{"$f":"+K4+K5","v":68507}]
[null,null,null,"EWF",null,null,null,{"$f":"H6*0.65%","v":975.00000000000011},null,null,{"$f":"+MAX(0,MIN(K6-$H$16,$K$5))","v":0},"onder max"]
[null,null,null,"Rente",null,null,null,0.02,null,null,{"$f":"+K7*H4","v":0}]
[null,null,null,"Eigen woning schuld",null,null,null,150000,null,"Korting"]
[null,null,null,"Aftrekbare rente",null,"(voorbeeld bij VK s3)",null,2000]
[null,null,null,"BELASTBAAR INKOMEN",null,null,null,65000]
[]
[]
[]
[]
[null,null,null,"Belastbaar inkomen zonder hypotheek",null,null,null,{"$f":"+H11","v":65000},null,{"$f":"IF(OR(H16>K4,H16<L2),0,(M2)-((H16-L2)*5.147%))","v":180.61447999999973},"Heffingskorting"]
[]
[null,null,null,"Hypotheek",null,null,null,{"$f":"H9","v":150000}]
[null,null,null,"Rente",null,null,null,{"$f":"H8","v":0.02}]
[null,null,null,"WOZ",null,null,null,{"$f":"H6","v":150000}]
[null,null,null,"EWF",null,null,null,{"$f":"H7","v":975.00000000000011}]
[]
[null,null,null,"Dus met hypotheek",null,null,null,{"$f":"H16","v":65000},null,null,null,null,null,"Simpele formule?"]
[null,null,null,null,null,null,"Min rente",{"$f":"+H10","v":2000}]
[null,null,null,null,null,null,"Plus ewf",{"$f":"H21","v":975.00000000000011},null,null,null,null,null,{"$f":"+J39","v":0},"=Rente minus EWF"]
[null,null,null,"Belastbaar inkomen met hypotheek",null,null,null,{"$f":"+H23-N25","v":65000},null,{"$f":"IF(OR(H26>K4,H26<L2),0,(M2)-((H26-L2)*5.147%))","v":180.61447999999973},"Heffingskorting",null,null,{"$f":"N25*5.147%","v":0},"=Rente minus EWF x 5,147%"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"N26/12","v":0},"=Gedeeld door 12"]
[null,null,null,null,null,null,null,"Verschil per jaar",null,{"$f":"J26-J16","v":0},{"$f":"+J28/H4","v":0},{"$f":"+K28+H26","v":65000}]
[null,null,null,null,null,null,null,"Verschil per maand",null,{"$f":"J28/12","v":0}]
[]
[null,null,null,"Er is dus een werkelijk extra heffingskorting bij een hypotheek waarvan de rente aftrekbaar is. "]
[]
[null,null,null,"De formule is echter ALLEEN geldig wanneer het inkomen dus valt in de 2e schijf. "]
[]
[null,null,null,"Er kan dus ook een extra bijtelling ontstaan als er geen aftrekbare rente meer is of het EWF hoger is dan de aftrekbare rente. "]
[]
[null,null,null,null,null,null,null,null,null,"uit BijVK",null,null,null,null,null,"Uit VK min HK voordeel",null,"Kopie"]
[null,null,null,null,null,null,"Uit Algemeen en pensioen:",null,null,"Bruto aftrek","Pensioen","Loon","Onder max","HKvoordeel"]
[null,null,null,null,null,null,"Nu",{"$f":"+Algemeen!E15","v":0},null,{"$f":"MAX(0,+BijVK!AZ12-BijVK!BD12)","v":0},{"$f":"BijVK!BI12","v":0},{"$f":"INDEX($H$39:$H$40,K39+1)","v":0},{"$f":"+MAX(0,MIN(FG_Hefmax+J39-L39,J39))","v":0},{"$f":"IF(L39<FG_Hefmin,0,M39*IF(K39,FG_hefpercAOW,FG_hefperc))*Alg_hefkortuse/12","v":0},{"$f":"N39/12","v":0},{"$f":"'Vrije Keuze'!Q42","v":14.5},{"$f":"P39-O39","v":14.5},482]
[null,null,null,null,null,null,"Pensioen",{"$f":"+Pensioen!E34","v":19777},null,{"$f":"MAX(0,+BijVK!AZ13-BijVK!BD13)","v":0},{"$f":"BijVK!BI13","v":0},{"$f":"INDEX($H$39:$H$40,K40+1)","v":0},0,{"$f":"IF(L40<$I$45,0,M40*INDEX($I$47:$I$48,K40+1))*$H$41","v":0},{"$f":"N40/12","v":0},{"$f":"'Vrije Keuze'!Q43","v":14.5},{"$f":"P40-O40","v":14.5},485]
[null,null,null,null,null,null,"Meenemen",true,null,{"$f":"MAX(0,+BijVK!AZ14-BijVK!BD14)","v":0},{"$f":"BijVK!BI14","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q44","v":14.5},14.5,488]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ15-BijVK!BD15)","v":0},{"$f":"BijVK!BI15","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q45","v":14.5},14.5,490]
[null,null,null,null,null,null,null,"Naar tab financiele gegevens?",null,{"$f":"MAX(0,+BijVK!AZ16-BijVK!BD16)","v":0},{"$f":"BijVK!BI16","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q46","v":14.5},14.5,496]
[null,null,null,null,null,null,null,"Max",68507,{"$f":"MAX(0,+BijVK!AZ17-BijVK!BD17)","v":0},{"$f":"BijVK!BI17","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q47","v":14.5},14.5,498]
[null,null,null,null,null,null,null,"Min",20385,{"$f":"MAX(0,+BijVK!AZ18-BijVK!BD18)","v":0},{"$f":"BijVK!BI18","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q48","v":14.5},14.5,501]
[null,null,null,null,null,null,null,"Max heff",2477,{"$f":"MAX(0,+BijVK!AZ19-BijVK!BD19)","v":0},{"$f":"BijVK!BI19","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q49","v":14.5},14.5,504]
[null,null,null,null,null,null,null,"Voor AOW",5.1470000000000002E-2,{"$f":"MAX(0,+BijVK!AZ20-BijVK!BD20)","v":0},{"$f":"BijVK!BI20","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q50","v":14.5},14.5,507]
[null,null,null,null,null,null,null,"Na AOW",6.2630000000000005E-2,{"$f":"MAX(0,+BijVK!AZ21-BijVK!BD21)","v":0},{"$f":"BijVK!BI21","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q51","v":14.5},14.5,510]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ22-BijVK!BD22)","v":0},{"$f":"BijVK!BI22","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q52","v":14.5},14.5,513]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ23-BijVK!BD23)","v":0},{"$f":"BijVK!BI23","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q53","v":14.5},14.5,517]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ24-BijVK!BD24)","v":0},{"$f":"BijVK!BI24","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q54","v":14.5},14.5,520]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ25-BijVK!BD25)","v":0},{"$f":"BijVK!BI25","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q55","v":14.5},14.5,523]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ26-BijVK!BD26)","v":0},{"$f":"BijVK!BI26","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q56","v":14.5},14.5,527]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ27-BijVK!BD27)","v":0},{"$f":"BijVK!BI27","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q57","v":14.5},14.5,530]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ28-BijVK!BD28)","v":0},{"$f":"BijVK!BI28","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q58","v":14.5},14.5,536]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ29-BijVK!BD29)","v":0},{"$f":"BijVK!BI29","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q59","v":14.5},14.5,554]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ30-BijVK!BD30)","v":0},{"$f":"BijVK!BI30","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q60","v":14.5},14.5,554]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ31-BijVK!BD31)","v":0},{"$f":"BijVK!BI31","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q61","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ32-BijVK!BD32)","v":0},{"$f":"BijVK!BI32","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q62","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ33-BijVK!BD33)","v":0},{"$f":"BijVK!BI33","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q63","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ34-BijVK!BD34)","v":0},{"$f":"BijVK!BI34","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q64","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ35-BijVK!BD35)","v":0},{"$f":"BijVK!BI35","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q65","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ36-BijVK!BD36)","v":0},{"$f":"BijVK!BI36","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q66","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ37-BijVK!BD37)","v":0},{"$f":"BijVK!BI37","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q67","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ38-BijVK!BD38)","v":0},{"$f":"BijVK!BI38","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q68","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ39-BijVK!BD39)","v":0},{"$f":"BijVK!BI39","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q69","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ40-BijVK!BD40)","v":0},{"$f":"BijVK!BI40","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q70","v":14.5},14.5]
[null,null,null,null,null,null,null,null,null,{"$f":"MAX(0,+BijVK!AZ41-BijVK!BD41)","v":0},{"$f":"BijVK!BI41","v":0},0,0,0,0,{"$f":"'Vrije Keuze'!Q71","v":14.5},14.5]

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[]
[null,{"$f":"LinO!B4","v":0},null,null,null,null,null,null,null,null,{"$f":"LinO!K4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"bal_level","v":73},{"$f":"Alg_naschuif-Aflosvrij_leningdeel","v":0}]
[null,{"$f":"AnO!B5","v":"Hypotheeksom"},null,null,null,null,{"$f":"AnO!G5","v":0},null,null,null,{"$f":"AnO!K5","v":"(Hoogste)IB-tarief"},null,null,null,{"$f":"'Vrije Keuze'!P5","v":0.36969999999999997}]
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[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AnO!G7","v":0},null,null,null,{"$f":"AnO!K7","v":"Consumptief deel"},null,null,null,{"$f":"AnO!O7","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Als invoercellen worden verplaatst:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal bruto betaald",2,{"$f":"SUM(AE40:AE69)*12","v":5220}]
[null,{"$f":"AnO!B8","v":"Rentevast periode"},null,null,null,null,{"$f":"AnO!G8","v":"10 jaar"},null,null,null,{"$f":"AnO!K8","v":"Premie overlijdensrisico"},null,null,null,{"$f":"AnO!O8","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Pas ook letters in AA:AD aan."]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,\"Bijtelling auto van de zaak\",0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,AlgemeenOUD!C52*AlgemeenOUD!C53,0)","v":0},null,null,null,null,null,null,null,"Renteafslag aan?",null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,"nee",null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente"]
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[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"AlgemeenOUD!C41","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,"Indexering:",null,{"$f":"Algemeen!F41","v":0}]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
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[null,"Aflosvrij",null,null,{"$f":"IF(Aflosvrij_leningdeel>0,Aflosvrij_leningdeel,0)","v":0},null,null,"Rente",{"$f":"alg_aflosrente","v":0.04},null,"Looptijd","30 jaar",null,"Aftrek",{"$f":"K24&\" jaar\"","v":"360 jaar"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CD17*CC17","v":0},{"$f":"+CE17*CB17","v":0}]
[null,{"$f":"IF(G18>0,\"Premie banksparen\",0)","v":"Premie banksparen"},null,null,null,null,1,null,null,null,{"$f":"IF(ISERROR(BIJBalans!AL1),\"U kunt maar één bankspaar regel invoeren!\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CD18*CC18","v":0},{"$f":"+CE18*CB18","v":0}]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stand eind jaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34>P$6;0;(ALS(P$5=\"A\";TW(O34/12;12;Q34/12;-P33);ALS(P$5=\"L\";P33-P33/(P$6-$N34+1);P33)))-ALS(OF(EN(R$8;$N34<P$6);Q$8=$N34);P$8;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; stand na 12 maanden, start in rij-1; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,"-/- extra aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente en Aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";BET(O34/12;(P$6-$N34+1)*12;-P33)*ALS($N34>$P$6;Q$6;12);ALS(P$5=\"L\";ALS($N34>P$6;P33;P33/(P$6-$N34+1)+R34);R34)))",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N34-0,99, neem ook J+1 mee, als er maanden zijn, anders nul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: BET, berekent bedrag per maand uit a.d.h.v. stand j -1 * maanden of 12 als niet laatste jaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",null,null,null,null,null,null,null,null,"L: "]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoeveel leningdelen zijn er?",null,null,{"$f":"SUM(O98:O104)","v":0}]
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[null,{"$f":"AnO!B4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,null,null,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,"Ja",null,null,2,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C43>1,Algemeen!M33,0)","v":0},{"$f":"IF(Algemeen!O33>0,Algemeen!O33,IF(J21>0,J21,0))","v":20},null,{"$f":"IF(Algemeen!Q33>0,Algemeen!Q33,IF(K21>0,K21,0))","v":4.2000000000000003E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto",null,{"$f":"AG41","v":14.5},null,null,null,null,null,null,null,1,"Geen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Partner",{"$f":"Algemeen!M6","v":0}]
[null,"Hypotheeksom (vs marktwaarde)",null,null,null,{"$f":"G5/G8","v":{"$error":"#DIV/0!"}},{"$f":"SUM(E21:F28)","v":0},null,null,null,null,"(Hoogste)IB-tarief",null,null,null,{"$f":"'Voorstel HOR'!G29","v":0.36969999999999997},null,null,null,null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,{"$f":"Algemeen!Y21","v":27},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,null,null,null,null,"Nee",null,null,null,null,null,"Nee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Gewogen % zichtbaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto",null,null,null,null,null,null,null,null,null,2,14.5,14.5]
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[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"IF(CK30>0,CK30,IF(AND(AlgemeenOUD!F29=0,CK30=0),\"Geen\",AlgemeenOUD!F29))","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:",null,null,null,null,null,null,{"$f":"IF(BN6=2,\"nee\",\"ja\")","v":"nee"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gewogen % zichtbaar",null,null,null,null,null,null,{"$f":"IF(B21=\"Bankspaar\",1,IF(B22=\"Bankspaar\",2,IF(B23=\"Bankspaar\",3,IF(B24=\"Bankspaar\",4,IF(B25=\"Bankspaar\",5,0)))))","v":0},null,null,null,"Nee",null,null,{"$f":"IF(BN6=1,\"Ja\",\"Nee\")","v":"Nee"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AI7","v":"nee"},null,null,null,null,null,null,null,null,null,true,"uit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Netto betaald (excl. extra aflossing)",1,{"$f":"SUM(OFFSET(AG41,0,0,H6,1))*12+O72","v":5220},null,null,null,null,null,null,null,4,25,25]
[null,{"$f":"AlgemeenOUD!E51","v":"Marktwaarde"},null,null,null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"IF(Overlijden!E44+Overlijden!M44>0,Overlijden!E44+Overlijden!M44,\"Geen\")","v":"Geen"},null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan.",null,null,null,null,null,{"$f":"IF(B21=\"Bankspaar\",IF(AND(AI7=\"Ja\",isbankspaar),\"Waarde banksparen meenemen?\",\"Geen bankspaar, geen keuze!\"),\"\")","v":""},{"$f":"BE5","v":"Nee"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B21=\"Bankspaar\",1,IF(B22=\"Bankspaar\",1,IF(B23=\"Bankspaar\",1,IF(B24=\"Bankspaar\",1,IF(B25=\"Bankspaar\",1,2)))))","v":2},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(BE8=1,BN6=1),\"Saldo bankspaar verrekenen?\",\" \")","v":" "},"Zie 8AI voor bankspaarverrekening aan of uit",null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ7=CE5,1,2)","v":1},null,null,{"$f":"IF(CG7=\"ja\",\"Indicatieve berekening\",\"\")","v":""},null,null,null,null,null,null,null,null,null,true,"aan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Bruto betaald (excl. extra aflossing)",2,{"$f":"SUM(OFFSET(AF41,0,0,H6,1))*12+O72","v":5220},null,null,null,null,null,null,null,null,{"$f":"IF(FK8=1,4,3)","v":3},2,"Resultaat dropdown",null,{"$f":"VLOOKUP(FK8,FI4:FJ7,2,FALSE)","v":14.5}]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(BE8=1,BN6=1),\"(dropdown)\",\" \")","v":" "},null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"IFERROR(VALUE(AlgemeenOUD!C41),0)","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,"Indexering:"]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
[null,{"$f":"IF(AND(BE1=2,G16=0),\"Vul 1e storting in\",\"1e storting bankspaarrekening\")","v":"1e storting bankspaarrekening"},null,null,null,null,1000,null,null,null,null,{"$f":"IF(ISERROR('BIJBerekening bij Voorstel HOR'!AT1),\"U kunt maar één bankspaar regel invoeren!\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CK16*CJ16","v":0},{"$f":"+CL16*CI16","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(EY10,EX7:EY8,2,FALSE)","v":"Netto betaald (excl. extra aflossing)"},null,{"$f":"IF(EY10=1,FA7,FA8)","v":5220},null,null,null,null,null,null,null,1,{"$f":"IF(FJ$8=4,0,Algemeen!E$45)","v":14.5}]
[null,{"$f":"IF(G16>0,\"Premie banksparen\",\"Premie volgt na invullen 1e storting\")","v":"Premie banksparen"},null,null,null,null,{"$f":"IF(G16>0,'BIJBerekening bij Voorstel HOR'!AT12,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CK17*CJ17","v":0},{"$f":"+CL17*CI17","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"IF(FJ$8=4,0,Algemeen!E$45)","v":14.5}]
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[null,null,null,null,{"$f":"IF(AZ46>0,\"Er resteert op einddatum een aflosvrij hypotheekdeel van \",0)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"AZ46","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",23,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Ja",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DQ71+1","v":28},false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,23]
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[null,null,null,null,{"$f":"IF(O72=0,\" \",\"Maandlast\")","v":" "},null,null,null,null,null,null,null,null,null,{"$f":"O72*O74/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26]
[null,null,{"$f":"'Auto tekst rentescenarios'!E25","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto zonder restschuld",null,{"$f":"SUM(P41:P70)*12+(SUM((P21:P28),SUM(R41:R70)*12+(SUM((P21:P28)))))","v":5220},null,{"$f":"SUM(AG41:AG75)*12","v":5220},null,27,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,27]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto met restschuld",null,{"$f":"SUM(Q41:Q70)*12+(SUM((P21:P28)))","v":5220},null,null,null,28,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto zonder",null,{"$f":"SUM(Q41:S70)*12+(SUM((P21:P28)))","v":5220},null,null,null,29,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto met",null,{"$f":"SUM(#REF!)*12+(SUM((P21:P28)))","v":{"$error":"#REF!"}},null,null,null,30,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
[null,null,"Rente deel 1",1,{"$f":"J21","v":20},{"$f":"'Financiële Gegevens'!M$53+'Berekening bij Voorstel HOR'!E88-1","v":2042},{"$f":"IF(Algemeen!M$44=TRUE,'Berekening bij Voorstel HOR'!F88,'Berekening bij Voorstel HOR'!E88)","v":20}]
[null,null,"Rente deel 2",2,{"$f":"J22","v":20},{"$f":"'Financiële Gegevens'!M$53+'Berekening bij Voorstel HOR'!E89-1","v":2042},{"$f":"IF(Algemeen!M$44=TRUE,'Berekening bij Voorstel HOR'!F89,'Berekening bij Voorstel HOR'!E89)","v":20}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":20},{"$f":"'Financiële Gegevens'!M$53+'Berekening bij Voorstel HOR'!E90-1","v":2042},{"$f":"IF(Algemeen!M$44=TRUE,'Berekening bij Voorstel HOR'!F90,'Berekening bij Voorstel HOR'!E90)","v":20}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":20},{"$f":"'Financiële Gegevens'!M$53+'Berekening bij Voorstel HOR'!E91-1","v":2042},{"$f":"IF(Algemeen!M$44=TRUE,'Berekening bij Voorstel HOR'!F91,'Berekening bij Voorstel HOR'!E91)","v":20}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":20},{"$f":"'Financiële Gegevens'!M$53+'Berekening bij Voorstel HOR'!E92-1","v":2042},{"$f":"IF(Algemeen!M$44=TRUE,'Berekening bij Voorstel HOR'!F92,'Berekening bij Voorstel HOR'!E92)","v":20}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Berekening bij Voorstel HOR"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Nee",null,{"$f":"IF(CC104=\"Nee\",\"\",\"Berekening \")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Hypotheekberekening",null,null,null,null,null,{"$f":"IF(CB104=1,\"Hypotheekberekening\",IF(CC116=TRUE,\"Huidige hypotheek\",IF(CC116=FALSE,\"Hypotheekberekening \"&CB104-1)))","v":"Hypotheekberekening"},1]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%\"","v":"Fictief rentescenario; na  jr 0%"},{"$f":"IF(AND(AZ22=0,AZ21>0),1,0)","v":0},{"$f":"IF(C106=1,B106,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Huidige hypotheek",null,null,null,null,null,{"$f":"'Voorstel HOR'!D11&\" \"&'Voorstel HOR'!Z13&\" jaar vast\"","v":"Annuïteit 20 jaar vast"},2]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"% en na \"&AZ22&\" jr \"&BA22*100&\"%\"","v":"Fictief rentescenario; na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ23=0,AZ22>0),1,0)","v":0},{"$f":"IF(C107=1,B107,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BU106+1","v":3},"Hypotheekberekening 1",null,null,null,null,null,null,3]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"% en na \"&AZ23&\" jr \"&BA23*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24=0,AZ23>0),1,0)","v":0},{"$f":"IF(C108=1,B108,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BU107+1","v":4},"Hypotheekberekening 2",null,null,null,null,null,null,4]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"%, na \"&AZ23&\" jr \"&BA23*100&\"% en na \"&AZ24&\" jr \"&BA24*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24>0,AZ23>0),1,0)","v":0},{"$f":"IF(C109=1,B109,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Hypotheekberekening 3",null,null,null,null,null,null,5]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,"Hypotheekberekening 8",null,null,null,null,null,null,10]
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[null,{"$f":"AnO!B5","v":"Hypotheeksom"},null,null,null,{"$f":"G5/G8","v":{"$error":"#DIV/0!"}},{"$f":"LinO!G5","v":0},null,null,null,null,"(Hoogste)IB-tarief",null,null,null,{"$f":"AnO!O5","v":0.36969999999999997},null,null,null,null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,{"$f":"Algemeen!Y21","v":27}]
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[null,"WOZ waarde",null,null,null,null,{"$f":"LinO!G7","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"AnO!O7","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:"]
[null,"Marktwaarde",null,null,null,null,{"$f":"Annuiteit!$G$8","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"AnO!O8","v":"Geen"},null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan."]
[null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I."]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"IFERROR(VALUE(AlgemeenOUD!C41),0)","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,"Indexering:"]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
[null,{"$f":"IF(AND(BE1=2,G16=0),\"Vul 1e storting in\",\"1e storting bankspaarrekening\")","v":"1e storting bankspaarrekening"},null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(BijVK!AT1),\"U kunt maar één bankspaar regel invoeren!\",\"\")","v":""}]
[]
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[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
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[null,null,"Rente deel 2",2,{"$f":"J22","v":20},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E90-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F90,'Vrije Keuze'!E90)","v":10}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":" "},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E91-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F91,'Vrije Keuze'!E91)","v":10}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E92-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F92,'Vrije Keuze'!E92)","v":10}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E93-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F93,'Vrije Keuze'!E93)","v":10}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Balans"}]
[]
[]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%\"","v":"Fictief rentescenario; na  jr 0%"},{"$f":"IF(AND(AZ22=0,AZ21>0),1,0)","v":0},{"$f":"IF(C106=1,B106,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"% en na \"&AZ22&\" jr \"&BA22*100&\"%\"","v":"Fictief rentescenario; na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ23=0,AZ22>0),1,0)","v":0},{"$f":"IF(C107=1,B107,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"% en na \"&AZ23&\" jr \"&BA23*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24=0,AZ23>0),1,0)","v":0},{"$f":"IF(C108=1,B108,0)","v":0}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"%, na \"&AZ23&\" jr \"&BA23*100&\"% en na \"&AZ24&\" jr \"&BA24*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(AZ24>0,AZ23>0),1,0)","v":0},{"$f":"IF(C109=1,B109,0)","v":0}]
[null,null,null,{"$f":"VLOOKUP(1,C106:D109,2,FALSE)","v":{"$error":"#N/A"}}]

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[null,{"$f":"AnO!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"IF(CL30>0,CL30,IF(AND(AlgemeenOUD!F29=0,CL30=0),\"Geen\",AlgemeenOUD!F29))","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:",null,null,null,null,null,null,null,{"$f":"IF(BO6=2,\"nee\",\"ja\")","v":"nee"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vul in:",null,null,null,null,null,null,{"$f":"IF(B21=\"Bankspaar\",1,IF(B22=\"Bankspaar\",2,IF(B23=\"Bankspaar\",3,IF(B24=\"Bankspaar\",4,IF(B25=\"Bankspaar\",5,0)))))","v":0},null,null,"Je eigen koptekst",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AJ7","v":"nee"},null,null,null,null,null,null,null,null,null,true,"uit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nee",null,null,1,"Netto betaald (excl. extra aflossing)",1,{"$f":"SUM(OFFSET(AG42,0,0,H6,1))*12+O73","v":5220},null,null,null,null,null,null,null,4,25,25]
[null,{"$f":"AlgemeenOUD!E51","v":"Marktwaarde"},null,null,null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"IF(Overlijden!E44+Overlijden!M44>0,Overlijden!E44+Overlijden!M44,\"Geen\")","v":"Geen"},null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan.",null,null,null,null,null,null,{"$f":"IF(B21=\"Bankspaar\",IF(AND(AJ7=\"Ja\",isbankspaar),\"Waarde banksparen meenemen?\",\"Geen bankspaar, geen keuze!\"),\"\")","v":""},{"$f":"BF5","v":"Nee"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(BF8=1,BO6=1),\"Saldo bankspaar verrekenen?\",\" \")","v":" "},"Zie 8AI voor bankspaarverrekening aan of uit",null,null,null,null,null,null,null,null,null,{"$f":"IF(BA7=CF5,1,2)","v":2},null,null,{"$f":"IF(CH7=\"ja\",\"Indicatieve berekening\",\"\")","v":""},null,null,null,null,null,null,null,null,null,true,"aan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,null,null,2,"Bruto betaald (excl. extra aflossing)",2,{"$f":"SUM(OFFSET(AF42,0,0,H6,1))*12+O73","v":5220},null,null,null,null,null,null,null,null,{"$f":"IF(FL8=1,4,3)","v":3},2,"Resultaat dropdown",null,{"$f":"VLOOKUP(FL8,FJ4:FK7,2,FALSE)","v":14.5}]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(BF8=1,BO6=1),\"(dropdown)\",\" \")","v":" "},null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"IFERROR(VALUE(AlgemeenOUD!C41),0)","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,"Indexering:"]
[null,"WOZ waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,"Auto vd zaak",null,null,{"$f":"AlgemeenOUD!C52","v":0},null,null,null,"Bijtelling:",null,{"$f":"AlgemeenOUD!C53","v":0}]
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[null,{"$f":"IF(G16>0,\"Premie banksparen\",\"Premie volgt na invullen 1e storting\")","v":"Premie banksparen"},null,null,null,null,{"$f":"IF(G16>0,BijVK!AT12,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CL17*CK17","v":0},{"$f":"+CM17*CJ17","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"IF(FK$8=4,0,Algemeen!E$45)","v":14.5}]
[null,{"$f":"IF(Algemeen!M24=TRUE,\"In dit advies is \"&AlgemeenOUD!F28&\" de geldverstrekker\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vast",null,{"$f":"CHAR(64+COLUMN(J21))","v":"J"},null,null,null,null,"Ruimte",true,"optimaal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Leningdeel 6",null,null,"Leningdeel 7",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CL18*CK18","v":0},{"$f":"+CM18*CJ18","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"FJ17+1","v":3},{"$f":"IF(FK$8=4,0,Algemeen!E$45)","v":14.5}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto met restschuld",null,{"$f":"SUM(Q42:Q71)*12+(SUM((P21:P28)))","v":5220},null,null,null,null,28,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto zonder",null,{"$f":"SUM(Q42:R71)*12+(SUM((P21:P28)))","v":5220},null,null,null,null,29,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Netto met",null,{"$f":"SUM(#REF!)*12+(SUM((P21:P28)))","v":{"$error":"#REF!"}},null,null,null,null,30,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
[null,null,"Rente deel 1",1,{"$f":"J21","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E89-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F89,'Vrije Keuze'!E89)","v":10}]
[null,null,"Rente deel 2",2,{"$f":"J22","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E90-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F90,'Vrije Keuze'!E90)","v":10}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E91-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F91,'Vrije Keuze'!E91)","v":10}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E92-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F92,'Vrije Keuze'!E92)","v":10}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":10},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E93-1","v":2032},{"$f":"IF(Algemeen!M$44=TRUE,'Vrije Keuze'!F93,'Vrije Keuze'!E93)","v":10}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Vrije Keuze"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BK7","v":"Je eigen koptekst"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Nee",null,{"$f":"IF(CD105=\"Nee\",\"\",\"Berekening \")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Hypotheekberekening",null,null,null,null,null,{"$f":"IF(CC105=1,\"Hypotheekberekening\",IF(CD117=TRUE,\"Huidige hypotheek\",IF(CD117=FALSE,\"Hypotheekberekening \"&CC105-1)))","v":"Hypotheekberekening"},1]
[null,{"$f":"\"Fictief rentescenario; na \"&BA21&\" jr \"&BB21*100&\"%\"","v":"Fictief rentescenario; na  jr 0%"},{"$f":"IF(AND(BA22=0,BA21>0),1,0)","v":0},{"$f":"IF(C107=1,B107,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Huidige hypotheek",null,null,null,null,null,{"$f":"IF(CC103=TRUE,CC104,VLOOKUP(CC105,BV106:BW117,2,FALSE))","v":"Hypotheekberekening"},2]
[null,{"$f":"\"Fictief rentescenario; na \"&BA21&\" jr \"&BB21*100&\"% en na \"&BA22&\" jr \"&BB22*100&\"%\"","v":"Fictief rentescenario; na  jr 0% en na  jr 0%"},{"$f":"IF(AND(BA23=0,BA22>0),1,0)","v":0},{"$f":"IF(C108=1,B108,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BV107+1","v":3},"Hypotheekberekening 1",null,null,null,null,null,null,3]
[null,{"$f":"\"Fictief rentescenario; na \"&BA21&\" jr \"&BB21*100&\"%, na \"&BA22&\" jr \"&BB22*100&\"% en na \"&BA23&\" jr \"&BB23*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(BA24=0,BA23>0),1,0)","v":0},{"$f":"IF(C109=1,B109,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BV108+1","v":4},"Hypotheekberekening 2",null,null,null,null,null,null,4]
[null,{"$f":"\"Fictief rentescenario; na \"&BA21&\" jr \"&BB21*100&\"%, na \"&BA22&\" jr \"&BB22*100&\"%, na \"&BA23&\" jr \"&BB23*100&\"% en na \"&BA24&\" jr \"&BB24*100&\"%\"","v":"Fictief rentescenario; na  jr 0%, na  jr 0%, na  jr 0% en na  jr 0%"},{"$f":"IF(AND(BA24>0,BA23>0),1,0)","v":0},{"$f":"IF(C110=1,B110,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Hypotheekberekening 3",null,null,null,null,null,null,5]
[null,null,null,{"$f":"VLOOKUP(1,C107:D110,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,"Hypotheekberekening 4",null,null,null,null,null,null,6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,"Hypotheekberekening 5",null,null,null,null,null,null,7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,"Hypotheekberekening 6",null,null,null,null,null,null,8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Hypotheekberekening 7",null,null,null,null,null,null,9]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,"Hypotheekberekening 8",null,null,null,null,null,null,10]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,"Hypotheekberekening 9"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,"Hypotheekberekening 10",null,null,null,null,null,"Keuzevakje",false]

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[null,null,null,null,null,null,null,null,null,null,"$m$1ad:",null,{"$f":"MID(K2,SEARCH(\"]\",K2,1)+1,255)","v":"Vrije Keuze"},null,null,{"$f":"IF(P5=\"B\",P2,0)","v":0},null,null,null,{"$f":"IF(T5=\"B\",T2,0)","v":0},null,null,null,{"$f":"IF(X5=\"B\",X2,0)","v":0},null,null,null,{"$f":"IF(AB5=\"B\",AB2,0)","v":0},null,null,null,{"$f":"IF(AF5=\"B\",AF2,0)","v":0},null,null,null,{"$f":"IF(AJ5=\"B\",AJ2,0)","v":0},null,null,null,{"$f":"IF(AN5=\"B\",AN2,0)","v":0},null,null,null,null,{"$f":"IF(AS2>2*P2,\"X\",\"\")","v":""},{"$f":"MATCH(AS2,O1:AQ1,)-1","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BH10>0,3,1)","v":3},null,{"$f":"IF(BJ12>0,OFFSET(BN5,$BH$1,0),0)","v":0},{"$f":"IF(BK12>0,OFFSET(BO5,$BH$1,0),0)","v":0},{"$f":"IF(BL12>0,OFFSET(BP5,$BH$1,0),0)","v":0},{"$f":"IF(BM12>0,OFFSET(BQ5,$BH$1,0),0)","v":0},{"$f":"MAX(BJ1:BM1)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE",null,null,null,null,null,null,null,"HIDE"]
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[null,null,null,null,null,null,null,null,null,null,null,null,0,30,{"$f":"IF($N41<=P$4,IF(P$10,ROBijVK!K51,0)+O40,IF(AlgemeenOUD!$F$41=1,ROBijVK!I51,P$7)+ROBijVK!J51)","v":3.7999999999999999E-2},{"$f":"IF($N41>P$6,0,(IF(P$5=\"A\",FV(O41/12,12,Q41/12,-P40),IF(P$5=\"L\",P40-P40/(P$6-$N41+1),P40)))-IF(OR(AND(R$8,$N41<P$6),Q$8=$N41),P$8,0)-'VK aflos'!F47*12)","v":0},0,{"$f":"IF($N41-0.99>P$6,0,IF(P$5=\"A\",Q41-(P40-P41)+IF(OR(AND(R$8,P$6<$N41),Q$8=$N41),P$8,0),IF(OR(P$5=\"L\",P$5=\"d\"),IF($N41>P$6,P40*O41/12*Q$6,(P40+P41)/2*O41),P40*O41))+'VK aflos'!F47*12)","v":0},{"$f":"IF($N41<=T$4,IF(T$10,ROBijVK!O51,0)+S40,IF(AlgemeenOUD!$F$41=1,ROBijVK!M51,T$7)+ROBijVK!N51)","v":3.7999999999999999E-2},{"$f":"IF($N41>T$6,0,(IF(T$5=\"A\",FV(S41/12,12,U41/12,-T40),IF(T$5=\"L\",T40-T40/(T$6-$N41+1),T40)))-IF(OR(AND(V$8,$N41<T$6),U$8=$N41),T$8,0)-'VK aflos'!G47*12)","v":0},0,{"$f":"IF($N41-0.99>T$6,0,IF(T$5=\"A\",U41-(T40-T41)+IF(OR(AND(V$8,T$6<$N41),U$8=$N41),T$8,0),IF(OR(T$5=\"L\",T$5=\"d\"),IF($N41>T$6,T40*S41/12*U$6,(T40+T41)/2*S41),T40*S41))+'VK aflos'!G47*12)","v":0},{"$f":"IF($N41<=X$4,IF(X$10,ROBijVK!S51,0)+W40,IF(AlgemeenOUD!$F$41=1,ROBijVK!Q51,X$7)+ROBijVK!R51)","v":3.7999999999999999E-2},{"$f":"IF($N41>X$6,0,(IF(X$5=\"A\",FV(W41/12,12,Y41/12,-X40),IF(X$5=\"L\",X40-X40/(X$6-$N41+1),X40)))-IF(OR(AND(Z$8,$N41<X$6),Y$8=$N41),X$8,0)-'VK aflos'!H47*12)","v":0},0,{"$f":"IF($N41-0.99>X$6,0,IF(X$5=\"A\",Y41-(X40-X41)+IF(OR(AND(Z$8,X$6<$N41),Y$8=$N41),X$8,0),IF(OR(X$5=\"L\",X$5=\"d\"),IF($N41>X$6,X40*W41/12*Y$6,(X40+X41)/2*W41),X40*W41))+'VK aflos'!H47*12)","v":0},{"$f":"IF($N41<=AB$4,IF(AB$10,ROBijVK!W51,0)+AA40,IF(AlgemeenOUD!$F$41=1,ROBijVK!U51,AB$7)+ROBijVK!V51)","v":3.7999999999999999E-2},{"$f":"IF($N41>AB$6,0,(IF(AB$5=\"A\",FV(AA41/12,12,AC41/12,-AB40),IF(AB$5=\"L\",AB40-AB40/(AB$6-$N41+1),AB40)))-IF(OR(AND(AD$8,$N41<AB$6),AC$8=$N41),AB$8,0)-'VK aflos'!I47*12)","v":0},0,{"$f":"IF($N41-0.99>AB$6,0,IF(AB$5=\"A\",AC41-(AB40-AB41)+IF(OR(AND(AD$8,AB$6<$N41),AC$8=$N41),AB$8,0),IF(OR(AB$5=\"L\",AB$5=\"d\"),IF($N41>AB$6,AB40*AA41/12*AC$6,(AB40+AB41)/2*AA41),AB40*AA41))+'VK aflos'!I47*12)","v":0},{"$f":"IF($N41<=AF$4,IF(AF$10,ROBijVK!AA51,0)+AE40,IF(AlgemeenOUD!$F$41=1,ROBijVK!Y51,AF$7)+ROBijVK!Z51)","v":3.7999999999999999E-2},{"$f":"IF($N41>AF$6,0,(IF(AF$5=\"A\",FV(AE41/12,12,AG41/12,-AF40),IF(AF$5=\"L\",AF40-AF40/(AF$6-$N41+1),AF40)))-IF(OR(AND(AH$8,$N41<AF$6),AG$8=$N41),AF$8,0)-'VK aflos'!J47*12)","v":0},0,{"$f":"IF($N41-0.99>AF$6,0,IF(AF$5=\"A\",AG41-(AF40-AF41)+IF(OR(AND(AH$8,AF$6<$N41),AG$8=$N41),AF$8,0),IF(OR(AF$5=\"L\",AF$5=\"d\"),IF($N41>AF$6,AF40*AE41/12*AG$6,(AF40+AF41)/2*AE41),AF40*AE41))+'VK aflos'!J47*12)","v":0},{"$f":"IF($N41<=AJ$4,IF(AJ$10,ROBijVK!AE51,0)+AI40,IF(AlgemeenOUD!$F$41=1,ROBijVK!AC51,AJ$7)+ROBijVK!AD51)","v":3.7999999999999999E-2},{"$f":"IF($N41>AJ$6,0,(IF(AJ$5=\"A\",FV(AI41/12,12,AK41/12,-AJ40),IF(AJ$5=\"L\",AJ40-AJ40/(AJ$6-$N41+1),AJ40)))-IF(OR(AND(AL$8,$N41<AJ$6),AK$8=$N41),AJ$8,0)-'VK aflos'!K47*12)","v":0},0,{"$f":"IF($N41-0.99>AJ$6,0,IF(AJ$5=\"A\",AK41-(AJ40-AJ41)+IF(OR(AND(AL$8,AJ$6<$N41),AK$8=$N41),AJ$8,0),IF(OR(AJ$5=\"L\",AJ$5=\"d\"),IF($N41>AJ$6,AJ40*AI41/12*AK$6,(AJ40+AJ41)/2*AI41),AJ40*AI41))+'VK aflos'!K47*12)","v":0},{"$f":"IF($N41<=AN$4,IF(AN$10,ROBijVK!AI51,0)+AM40,IF(AlgemeenOUD!$F$41=1,ROBijVK!AG51,AN$7)+ROBijVK!AH51)","v":3.7999999999999999E-2},{"$f":"IF($N41>AN$6,0,(IF(AN$5=\"A\",FV(AM41/12,12,AO41/12,-AN40),IF(AN$5=\"L\",AN40-AN40/(AN$6-$N41+1),AN40)))-IF(OR(AND(AP$8,$N41<AN$6),AO$8=$N41),AN$8,0)-'VK aflos'!L47*12)","v":0},0,{"$f":"IF($N41-0.99>AN$6,0,IF(AN$5=\"A\",AO41-(AN40-AN41)+IF(OR(AND(AP$8,AN$6<$N41),AO$8=$N41),AN$8,0),IF(OR(AN$5=\"L\",AN$5=\"d\"),IF($N41>AN$6,AN40*AM41/12*AO$6,(AN40+AN41)/2*AM41),AN40*AM41))+'VK aflos'!L47*12)","v":0},null,3.7999999999999999E-2,null,0,0,null,{"$f":"SUM((O41:AQ41)*(MOD(COLUMN(O41:AQ41),4)=MOD(COLUMN(P41),4)))","v":0},{"$f":"SUM((P41:AR41)*(MOD(COLUMN(P41:AR41),4)=MOD(COLUMN(Q41),4)))+AT41*12","v":0},{"$f":"CEILING((SUM((P41:AQ41)*(MOD(COLUMN(P41:AQ41),4)=MOD(COLUMN(R41),4)))+BijAlgOvg!AY41),1)","v":0},{"$f":"CEILING((SUM((P41:AQ41)*(MOD(COLUMN(P41:AQ41),4)=MOD(COLUMN(R41),4))*(P$9:AQ$9)*(P$6:AQ$6/12>=$N41)*(IF(P$6:AQ$6/12-$N41<0.99,P$4:AQ$4,1)))+BijAlgOvg!AZ41),1)","v":0},0,1,0,0,0,null,null,null,0,{"$f":"MIN($AZ41-SUM(OFFSET(BK41,0,0,1,COLUMNS(BJ:$BL))),OFFSET(BJ$5,$BI41,0))","v":0},{"$f":"MIN($AZ41-SUM(OFFSET(BL41,0,0,1,COLUMNS(BK:$BL))),OFFSET(BK$5,$BI41,0))","v":0},{"$f":"MIN($AZ41-SUM(OFFSET(BM41,0,0,1,COLUMNS(BL:$BL))),OFFSET(BL$5,$BI41,0))","v":0},0,0.36969999999999997,0.36930000000000002,0.36930000000000002,{"$f":"'Financiële Gegevens'!M86","v":0.36930000000000002},0,1,0,null,0,{"$f":"+MAX(0,MIN(FG_Hefmax+BV41-BijVK!BT41,BV41))","v":0},{"$f":"ROUNDDOWN(IF(BijVK!BT41<FG_Hefmin,0,BW41*IF(BijVK!BI41,FG_hefpercAOW,FG_hefperc))*Alg_hefkortuse,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stand eind jaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34>P$6;0;(ALS(P$5=\"A\";TW(O34/12;12;Q34/12;-P33);ALS(P$5=\"L\";P33-P33/(P$6-$N34+1);P33)))-ALS(OF(EN(R$8;$N34<P$6);Q$8=$N34);P$8;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; stand na 12 maanden, start in rij-1; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,"-/- extra aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente en Aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";BET(O34/12;(P$6-$N34+1)*12;-P33)*ALS($N34>$P$6;Q$6;12);ALS(P$5=\"L\";ALS($N34>P$6;P33;P33/(P$6-$N34+1)+R34);R34)))",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N34-0,99, neem ook J+1 mee, als er maanden zijn, anders nul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: BET, berekent bedrag per maand uit a.d.h.v. stand j -1 * maanden of 12 als niet laatste jaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente",null,null,null,null,null,null,null,null,"L: "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($N34-0,99>P$6;0;ALS(P$5=\"A\";Q34-(P33-P34)+ALS(OF(EN(R$8;P$6<$N34);Q$8=$N34);P$8;0);ALS(P$5=\"L\";(P33+P34)/2*O34;P33*O34)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"A: (P33-P34):afgelost af Q34, geeft rente + extra aflossing",null,null,null,null,null,null,null,null,"L: Gemiddelde stand * rente"]
[]
[]
[]
[]
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[null,{"$f":"'Vrije Keuze'!AF45","v":14.5},{"$f":"'Vrije Keuze'!AG45","v":14.5},null,{"$f":"'Vrije Keuze'!D45","v":4},null,null,null,null,null,null,null,null,null,0]
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[null,{"$f":"'Vrije Keuze'!AF47","v":14.5},{"$f":"'Vrije Keuze'!AG47","v":14.5},null,{"$f":"'Vrije Keuze'!D47","v":6},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF48","v":14.5},{"$f":"'Vrije Keuze'!AG48","v":14.5},null,{"$f":"'Vrije Keuze'!D48","v":7},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF49","v":14.5},{"$f":"'Vrije Keuze'!AG49","v":14.5},null,{"$f":"'Vrije Keuze'!D49","v":8},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF50","v":14.5},{"$f":"'Vrije Keuze'!AG50","v":14.5},null,{"$f":"'Vrije Keuze'!D50","v":9},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF51","v":14.5},{"$f":"'Vrije Keuze'!AG51","v":14.5},null,{"$f":"'Vrije Keuze'!D51","v":10},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF52","v":14.5},{"$f":"'Vrije Keuze'!AG52","v":14.5},null,{"$f":"'Vrije Keuze'!D52","v":11},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF53","v":14.5},{"$f":"'Vrije Keuze'!AG53","v":14.5},null,{"$f":"'Vrije Keuze'!D53","v":12},null,null,null,null,null,null,null,null,null,0,null,null,{"$f":"INDEX('Vrije Keuze'!$O$21:$O$27,COLUMNS($R:R))","v":0},{"$f":"INDEX('Vrije Keuze'!$O$21:$O$27,COLUMNS($R:S))","v":0},{"$f":"INDEX('Vrije Keuze'!$O$21:$O$27,COLUMNS($R:T))","v":0},{"$f":"INDEX('Vrije Keuze'!$O$21:$O$27,COLUMNS($R:U))","v":0},{"$f":"INDEX('Vrije Keuze'!$O$21:$O$27,COLUMNS($R:V))","v":0},{"$f":"INDEX('Vrije Keuze'!$O$21:$O$27,COLUMNS($R:W))","v":0},{"$f":"INDEX('Vrije Keuze'!$O$21:$O$27,COLUMNS($R:X))","v":0}]
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[null,{"$f":"'Vrije Keuze'!AF56","v":14.5},{"$f":"'Vrije Keuze'!AG56","v":14.5},null,{"$f":"'Vrije Keuze'!D56","v":15},null,null,null,null,null,null,null,null,null,{"$f":"SUM(F32:L32)*12","v":0}]
[null,{"$f":"'Vrije Keuze'!AF57","v":14.5},{"$f":"'Vrije Keuze'!AG57","v":14.5},null,{"$f":"'Vrije Keuze'!D57","v":16},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF58","v":14.5},{"$f":"'Vrije Keuze'!AG58","v":14.5},null,{"$f":"'Vrije Keuze'!D58","v":17},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF59","v":14.5},{"$f":"'Vrije Keuze'!AG59","v":14.5},null,{"$f":"'Vrije Keuze'!D59","v":18},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF60","v":14.5},{"$f":"'Vrije Keuze'!AG60","v":14.5},null,{"$f":"'Vrije Keuze'!D60","v":19},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF61","v":14.5},{"$f":"'Vrije Keuze'!AG61","v":14.5},null,{"$f":"'Vrije Keuze'!D61","v":20},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF62","v":14.5},{"$f":"'Vrije Keuze'!AG62","v":14.5},null,{"$f":"'Vrije Keuze'!D62","v":21},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF63","v":14.5},{"$f":"'Vrije Keuze'!AG63","v":14.5},null,{"$f":"'Vrije Keuze'!D63","v":22},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF64","v":14.5},{"$f":"'Vrije Keuze'!AG64","v":14.5},null,{"$f":"'Vrije Keuze'!D64","v":23},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF65","v":14.5},{"$f":"'Vrije Keuze'!AG65","v":14.5},null,{"$f":"'Vrije Keuze'!D65","v":24},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF66","v":14.5},{"$f":"'Vrije Keuze'!AG66","v":14.5},null,{"$f":"'Vrije Keuze'!D66","v":25},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF67","v":14.5},{"$f":"'Vrije Keuze'!AG67","v":14.5},null,{"$f":"'Vrije Keuze'!D67","v":26},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF68","v":14.5},{"$f":"'Vrije Keuze'!AG68","v":14.5},null,{"$f":"'Vrije Keuze'!D68","v":27},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF69","v":14.5},{"$f":"'Vrije Keuze'!AG69","v":14.5},null,{"$f":"'Vrije Keuze'!D69","v":28},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF70","v":14.5},{"$f":"'Vrije Keuze'!AG70","v":14.5},null,{"$f":"'Vrije Keuze'!D70","v":29},null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"'Vrije Keuze'!AF71","v":14.5},{"$f":"'Vrije Keuze'!AG71","v":14.5},null,{"$f":"'Vrije Keuze'!D71","v":30},null,null,null,null,null,null,null,null,null,0]

{"sheet":"Rentescenario tekst","index":122,"n_rows":7,"n_cols":7,"rows_kept":7,"cut":false,"hidden":true,"merged":[]}
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[{"$f":"IF(B2>0,2,0)","v":0},{"$f":"'Vrije Keuze'!BA22","v":0},{"$f":"'Vrije Keuze'!BB22","v":0},null,{"$f":"\" rente na \"&B2&\" jaar \"&C2*100&\"%\"","v":" rente na 0 jaar 0%"},2,{"$f":"\" Fictief: \"&\"●\"&E1&\" ●\" &E2&\" ●\"","v":" Fictief: ● rente na 0 jaar 0% ● rente na 0 jaar 0% ●"}]
[{"$f":"IF(B3>0,3,0)","v":0},{"$f":"'Vrije Keuze'!BA23","v":0},{"$f":"'Vrije Keuze'!BB23","v":0},null,{"$f":"\" rente na \"&B3&\" jaar \"&C3*100&\"%\"","v":" rente na 0 jaar 0%"},3,{"$f":"\" Fictief: \"&\"●\"&E1&\" ●\" &E2&\" ●\" &E3&\" ●\"","v":" Fictief: ● rente na 0 jaar 0% ● rente na 0 jaar 0% ● rente na 0 jaar 0% ●"}]
[{"$f":"IF(B4>0,4,0)","v":0},{"$f":"'Vrije Keuze'!BA24","v":0},{"$f":"'Vrije Keuze'!BB24","v":0},null,{"$f":"\" rente na \"&B4&\" jaar \"&C4*100&\"%\"","v":" rente na 0 jaar 0%"},4,{"$f":"\" Fictief: \"&\"●\"&E1&\" ●\" &E2&\" ●\" &E3&\" ●\"&E4&\" ●\"","v":" Fictief: ● rente na 0 jaar 0% ● rente na 0 jaar 0% ● rente na 0 jaar 0% ● rente na 0 jaar 0% ●"}]
[]
[{"$f":"MAX(A1:A4)","v":0},"Grootste getal in kolom A tm 4"]
["resultaat",{"$f":"IF(A6=0,\"  \",VLOOKUP(A6,F1:G4,2))","v":"  "}]

{"sheet":"Oversluiten","index":123,"n_rows":391,"n_cols":258,"rows_kept":391,"cut":false,"hidden":true,"merged":[[23,11,23,13],[24,11,24,13],[7,1,7,9],[19,11,19,13],[21,11,21,13],[18,11,18,13],[20,11,20,13]]}
[]
[null,null,null,{"$f":"[6]Algemeen!B2","v":{"$error":"#REF!"}}]
[]
[null,null,null,null,null,"Logo 1","BLG"]
[null,null,null,null,null,"Logo 2","Argenta"]
[null,null,null,null,null,"Logo 3","ASR Bank"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null," ",null,null,null,"dag","maand","jaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(2020,3,20)","v":43910},{"$f":"DAY(P10)","v":20},{"$f":"MONTH(P10)","v":3},{"$f":"YEAR(P10)","v":2020}]
[null,null,null,null,null,null,null,null,null,null,null,"  Huidige bank:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"  Nieuwe bank:"]
[null,null,null,null,null,"Huidige rente","Rentemiddeling ","Nieuwe rente","Nieuwe rente nieuwe bank","Nieuwe rente "]
[null,null,null,null,null,"huidige bank","huidige bank","huidige bank","Nieuwe rente nieuwe bank","nieuwe bank"]
[null,"Maandlast",null,null,null,1200,1125,1000,0.03,900,null,null,null,null,null,true]
[null,null,null,null,null,"Argenta",null,"Florius"]
[1,"Uw (gemiddelde) hypotheeksom",null,null,null,{"$f":"IF(L25>0,L25,150000)","v":100000},{"$f":"IF(L$32>0,L$32,F$18)","v":100000},{"$f":"IF(M$32>0,M$32,F$18)","v":100000},{"$f":"IF(N$32>0,N$32,H$18)","v":100000},{"$f":"IF(O$32>0,O$32,I$18)","v":100000},null,null,null,null,null,"passeren d.d.","jaar einde rvp","jaar nu","verschil (jaar)","maand","restant maanden"]
[12,"Einde rentevaste periode",null,null,null,{"$f":"M12","v":"00:00:00"},null,null,null,null,null,null,null,null,null,{"$f":"NOW()+90","v":"2025-01-09T12:28:55.310"},{"$f":"YEAR(M12)","v":1900},{"$f":"YEAR(P19)","v":2025},{"$f":"Q19-R19","v":-125},{"$f":"MONTH(F19)-MONTH(P19)","v":0},{"$f":"IF(F19=0,0,(S19*12)+T19)","v":0}]
[24,"Rente vast periode (resterend en nieuw) in mnd",null,null,null,{"$f":"U19","v":0},{"$f":"M13","v":0},{"$f":"G20","v":0},22,{"$f":"H20","v":0},null,100000,null,null,"Schuld bij aanvang"]
[36,"Huidige bruto rentelast per maand",null,null,null,{"$f":"(F18*F16)/12","v":10000000},{"$f":"G18*G16/12","v":9375000},{"$f":"H18*H16/12","v":8333333.333333333},{"$f":"I18*I16/12","v":250},{"$f":"J18*J16/12","v":7500000},null,100000,null,null,"Huidige schuld"]
[48]
[null,"Fictieve rente na afloop rentevaste periode ",null,null,null,3.2500000000000001E-2]
[null,"Restant aantal maanden t.a.v. nieuwe rente vast periode",null,null,null,{"$f":"G20-F20","v":0},null,null,null,null,null,"\"Gemiddelde\""]
[null,"Nieuwe rente per maand",null,null,null,{"$f":"F18*F23/12","v":270.83333333333331},null,null,null,null,null,{"$f":"(L20+L21)/2","v":100000}]
[]
[null,"Huidige rentelast",null,null,null,null,{"$f":"F21","v":10000000},{"$f":"F21","v":10000000},null,{"$f":"F21","v":10000000}]
[60,"Rentevoordeel per maand",null,null,null,null,{"$f":"G27-G21","v":625000},{"$f":"H27-H21","v":1666666.666666667},{"$f":"I22-I21","v":-250},{"$f":"J27-J21","v":2500000}]
[]
[null,{"$f":"\"Totaal betaald over \"&M13&\" maanden\"","v":"Totaal betaald over  maanden"},null,null,null,{"$f":"(F21*F20)+F24*F25","v":0},{"$f":"G21*G20","v":0},{"$f":"H21*H20","v":0},{"$f":"I21*I20","v":5500},{"$f":"J21*J20","v":0}]
[]
[72,"Besparing: huidige rente t.o.v. nieuwe rente met nieuwe rvp",null,null,null,null,{"$f":"F30-G30","v":0},{"$f":"F30-H30","v":0},{"$f":"I28*I20","v":-5500},{"$f":"F30-J30","v":0}]
[84]
[96,"Kosten van oversluiten"]
[]
[108,"Boeterente",null,null,null,null,null,12500,{"$f":"H36","v":12500},{"$f":"H36","v":12500}]
[120,"Notaris",null,null,null,null,null,750,{"$f":"H37","v":750},{"$f":"I37","v":750}]
[168,"Advies en bemiddeling",null,null,null,null,750,1500,{"$f":"H38","v":1500},2950]
[180,"NHG borg",null,null,null,null,0,0,{"$f":"H39","v":0},0]
[204,"Taxatie",null,null,null,null,0,0,0,500]
[null,"Administratiekosten",null,null,null,null,225,null,0,0]
[null,"Overige kosten",null,null,null,null,null,null,0,0]
[null,null,null,null,null,null,null,null,0,0]
[null,null,null,null,null,null,null,null,0,0]
[null,null,null,null,null,null,null,null,0,0]
[216,"Totaal: ",null,null,null,null,{"$f":"SUM(G36:G45)","v":975},{"$f":"SUM(H36:H45)","v":14750},{"$f":"SUM(I36:I45)","v":14750},{"$f":"SUM(J36:J45)","v":16700}]
[240]
[300]
[360]
[19,"Oversluiting/wijziging verantwoord",null,null,null,null,{"$f":"IF(G46>G32,\"Nee\",\"Ja\")","v":"Nee"},{"$f":"IF(H46>H32,\"Nee\",\"Ja\")","v":"Nee"},{"$f":"IF(I46>I32,\"Nee\",\"Ja\")","v":"Nee"},{"$f":"IF(J46>J32,\"Nee\",\"Ja\")","v":"Nee"},null,null,null,null,null,null,6]
[20,"Terugverdientijd in maanden",null,null,null,null,{"$f":"G46/(F16-G16)","v":13},{"$f":"H46/(F16-H16)","v":73.75},"N.V.T.",{"$f":"J46/(F16-J16)","v":55.666666666666664},null,null,null,null,null,null,7]
[21,"Nieuwe rentevaste periode in maanden",null,null,null,null,120,240,"N.V.T.",240,null,null,null,null,null,null,8]
[22,"Wijziging verantwoord?",null,null,null,null,{"$f":"IF(G51<G52,\"Ja\",\"Nee\")","v":"Ja"},{"$f":"IF(H51<H52,\"Ja\",\"Nee\")","v":"Ja"},{"$f":"IF(I51<I52,\"Ja\",\"Nee\")","v":"Nee"},{"$f":"IF(J51<J52,\"Ja\",\"Nee\")","v":"Ja"},null,null,null,null,null,null,9]
[23,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10]
[24,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11]
[25,"Alle maandlasten zijn gebaseerd op een vergelijkbare hypotheek zoals u die nu hebt. Het is eventueel mogelijk de kosten van omzetting mee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,12]
[26,"te financieren in een nieuwe hypotheek. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,13]
[27,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14]
[28,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15]
[29,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16]
[30,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17]
[31,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18]
[32,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,19]
[33,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20]
[34,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,21]
[35,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,22]
[36,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,23]
[37,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,24]
[38,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25]
[39,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26]
[40,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,27]
[41,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28]
[42,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29]
[43,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30]
[44]
[45]
[46]
[47]
[48]
[49]
[50]
[51]
[52]
[53]
[54]
[55]
[56]
[57]
[58]
[59]
[60]
[61]
[62]
[63]
[64]
[65]
[66]
[67]
[68]
[69]
[70]
[71]
[72]
[73]
[74]
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[132]
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[null,null,null,null,null,null,"Bankvergelijk"]
[null,null,null,null,null,null,"Budget","A1","R62"]
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[null,null,null,null,null,null,"Draagplicht"]
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[null,null,null,null,null,null,"ORV vergelijk"]
[null,null,null,null,null,null,"ORV verloop"]
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[null,null,null,null,null,null,"Rentemiddeling"]
[null,null,null,null,null,null,"Rentevergelijk"]
[null,null,null,null,null,null,"Rentevergelijk MARK","A1","V75"]
[null,null,null,null,null,null,"Scheiding uitvoer"]
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[null,null,null,null,null,null,"Voorstel VER"]
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[null,null,null,null,null,null,"Lineair","A1","CP87"]
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[null,null,"Rentepercentage",null,{"$f":"Algemeen!E25","v":3.7999999999999999E-2},"Hoogste IB tarief",null,{"$f":"'Voorstel HOR'!G29","v":0.36969999999999997}]
[null,null,"Aantal jaar rentevast",null,{"$f":"'Vrije Keuze'!J21","v":10},{"$f":"AnO!B7","v":"WOZ waarde"},null,{"$f":"Annuiteit!G7","v":0}]
[null,null,{"$f":"AnO!K8","v":"Premie overlijdensrisico"},null,{"$f":"'Vrije Keuze'!P8","v":"Geen"},"Comfort Servicepakket",null,{"$f":"AnO!O6","v":14.5}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[null,null,null,null,null,null,null,null,null,"Pas verwijzing aan=>",{"$f":"CELL(\"bestandsnaam\",AnO!A13)","v":"G:\\Mijn Drive\\CalFin\\[Calfin 11-10-2024.xlsm]AnO"},null,null,null,null,{"$f":"ROW(AnO!F21)","v":21},null,null,null,{"$f":"+P2+1","v":22},null,null,null,{"$f":"+T2+1","v":23},null,null,null,{"$f":"+X2+1","v":24},null,null,null,{"$f":"+AB2+1","v":25},null,null,null,null,{"$f":"SUM(P1:AH1)","v":0},"Band",{"$f":"MAX(IFERROR(1/(((AL12:AL41)*12)/(((AL12:AL41)*12)+$AM$11)),0))","v":0}]
[null,"In jaar","verandering",null,null,null,null,null,null,null,null,null,null,"REST($P13;R$4)>1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"voeg hier blok toe","Banksparen; spaarpot",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Schijven",null,null,null,"Percentages"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[null,null,null,null,null,null,null,null,null,"Pas verwijzing aan=>",{"$f":"CELL(\"bestandsnaam\",AnO!A13)","v":"G:\\Mijn Drive\\CalFin\\[Calfin 11-10-2024.xlsm]AnO"},null,null,null,null,{"$f":"ROW(AnO!F21)","v":21},null,null,null,{"$f":"+P2+1","v":22},null,null,null,{"$f":"+T2+1","v":23},null,null,null,{"$f":"+X2+1","v":24},null,null,null,{"$f":"+AB2+1","v":25},null,null,null,null,{"$f":"SUM(P1:AH1)","v":0},"Band",{"$f":"MAX(IFERROR(1/(((AL12:AL41)*12)/(((AL12:AL41)*12)+$AM$11)),0))","v":0}]
[null,"In jaar","verandering",null,null,null,null,null,null,null,null,null,null,"REST($P13;R$4)>1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"voeg hier blok toe","Banksparen; spaarpot",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Schijven",null,null,null,"Percentages"]
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[null,null,null,null,null,null,null,null,null,null,null,null,0,30,{"$f":"IF($N41<=P$4,IF(P$10,ROBijAnnuiteit!K51,0)+O40,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!I51,P$7)+ROBijAnnuiteit!J51)","v":4.7999999999999994E-2},0,{"$f":"IF($N41>P$6,0,IF(P$5=\"A\",PMT(O41/12,(P$6-ROWS($12:41)+1)*12,-P40)*12,IF(P$5=\"L\",P40/(P$6-$N41+1)+R41,R41)))","v":0},0,{"$f":"IF($N41<=T$4,IF(T$10,ROBijAnnuiteit!O51,0)+S40,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!M51,T$7)+ROBijAnnuiteit!N51)","v":0.04},0,{"$f":"IF($N41>T$6,0,IF(T$5=\"A\",PMT(S41/12,(T$6-ROWS($12:41)+1)*12,-T40)*12,IF(T$5=\"L\",T40/(T$6-$N41+1)+V41,V41)))","v":0},0,{"$f":"IF($N41<=X$4,IF(X$10,ROBijAnnuiteit!S51,0)+W40,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!Q51,X$7)+ROBijAnnuiteit!R51)","v":0.04},0,{"$f":"IF($N41>X$6,0,IF(X$5=\"A\",PMT(W41/12,(X$6-ROWS($12:41)+1)*12,-X40)*12,IF(X$5=\"L\",X40/(X$6-$N41+1)+Z41,Z41)))","v":0},0,{"$f":"IF($N41<=AB$4,IF(AB$10,ROBijAnnuiteit!W51,0)+AA40,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!U51,AB$7)+ROBijAnnuiteit!V51)","v":0.04},0,{"$f":"IF($N41>AB$6,0,IF(AB$5=\"A\",PMT(AA41/12,(AB$6-ROWS($12:41)+1)*12,-AB40)*12,IF(AB$5=\"L\",AB40/(AB$6-$N41+1)+AD41,AD41)))","v":0},0,{"$f":"IF($N41<=AF$4,IF(AF$10,ROBijAnnuiteit!AA51,0)+AE40,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!Y51,AF$7)+ROBijAnnuiteit!Z51)","v":0.04},0,{"$f":"IF($N41>AF$6,0,IF(AF$5=\"A\",PMT(AE41/12,(AF$6-ROWS($12:41)+1)*12,-AF40)*12,IF(AF$5=\"L\",AF40/(AF$6-$N41+1)+AH41,AH41)))","v":0},0,null,4.7999999999999994E-2,null,0,0,null,{"$f":"SUM((O41:AI41)*(MOD(COLUMN(O41:AI41),4)=MOD(COLUMN(P41),4)))","v":0},{"$f":"SUM((P41:AJ41)*(MOD(COLUMN(P41:AJ41),4)=MOD(COLUMN(Q41),4)))+AL41*12","v":0},{"$f":"CEILING(SUM((P41:AI41)*(MOD(COLUMN(P41:AI41),4)=MOD(COLUMN(R41),4))),1)+BijAlgOvg!AY41","v":0},{"$f":"CEILING((SUM((P41:AI41)*(MOD(COLUMN(P41:AI41),4)=MOD(COLUMN(R41),4))*(P$9:AI$9)*(P$6:AI$6>=$N41))+BijAlgOvg!AZ41)*AS41,1)","v":0},{"$f":"IF($AQ$7<=0,100%,MAX(0,(AO41-$AQ$7)/(AO41+0.000001)))","v":1},0,0,0,0,0,null,null,null,0,{"$f":"MIN($AR41-SUM(OFFSET(BD41,0,0,1,COLUMNS(BC:$BE))),OFFSET(BC$5,$BB41,0))","v":0},{"$f":"MIN($AR41-SUM(OFFSET(BE41,0,0,1,COLUMNS(BD:$BE))),OFFSET(BD$5,$BB41,0))","v":0},{"$f":"MIN($AR41-SUM(OFFSET(BF41,0,0,1,COLUMNS(BE:$BE))),OFFSET(BE$5,$BB41,0))","v":0},0,0.36969999999999997,0.36930000000000002,0.36930000000000002,{"$f":"BijVK!BQ41","v":0.36930000000000002},0,{"$f":"BijVK!BS41","v":1},null,0,{"$f":"+MAX(0,MIN(FG_Hefmax+BN41-BijVK!BT41,BN41))","v":0},{"$f":"ROUNDDOWN(IF(BijVK!BT41<FG_Hefmin,0,BO41*IF(BijVK!BI41,FG_hefpercAOW,FG_hefperc))*Alg_hefkortuse,0)","v":0},null,0,0,0,30,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(BV12:BV41)","v":0},{"$f":"AO11-AO41","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

{"sheet":"Rentevergelijk MARK","index":129,"n_rows":66,"n_cols":41,"rows_kept":66,"cut":false,"hidden":true,"merged":[[68,7,68,8],[68,9,68,10],[68,11,68,12],[60,7,60,8],[60,9,60,10],[60,11,60,12],[61,7,61,8],[61,9,61,10],[61,11,61,12],[63,7,63,8],[63,9,63,10],[63,11,63,12],[64,7,64,8],[65,7,65,8],[64,9,64,10],[65,9,65,10],[59,7,59,8],[59,9,59,10],[59,11,59,12],[67,7,67,8],[67,9,67,10],[67,11,67,12],[64,11,64,12],[65,11,65,12],[57,7,57,8],[48,9,48,10],[48,11,48,12],[50,9,50,10],[56,9,56,10],[57,9,57,10],[50,11,50,12],[56,11,56,12],[57,11,57,12],[48,7,48,8],[50,7,50,8],[56,7,56,8],[3,7,3,8],[7,7,7,8],[13,7,13,8],[14,7,14,8],[6,19,6,24],[6,7,6,8],[5,7,5,8]]}
[]
[]
[]
[null,null,"Hypotheekbedrag",null,null,null,null,{"$f":"Algemeen!E43","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kleur aan of uit:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Rentepercentage",null,null,null,null,{"$f":"Algemeen!E25","v":3.7999999999999999E-2}]
[null,null,"Rentepercentage",null,null,null,null,{"$f":"H6+0.5%","v":4.2999999999999997E-2},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!F41=1,\"Zie tabblad Annuïteit !\",\" \")","v":" "}]
[null,null,"Rentepercentage",null,null,null,null,{"$f":"H7+0.5%","v":4.7999999999999994E-2}]
[]
[{"$f":"SUM(A11:A13)","v":0}]
[{"$f":"'Vrije Keuze'!A32","v":0}]
[{"$f":"'Vrije Keuze'!A33","v":0}]
[{"$f":"'Vrije Keuze'!A34","v":0}]
[null,null,"WOZ waarde",null,null,null,null,{"$f":"Algemeen!E36","v":0}]
[null,null,"IB Tarief",null,null,null,null,{"$f":"'Voorstel HOR'!G29","v":0.36969999999999997},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Algemeen!E25","v":3.7999999999999999E-2},null,null,null,null,null,null,null,null,null,null,{"$f":"H6","v":3.7999999999999999E-2},{"$f":"H7","v":4.2999999999999997E-2},{"$f":"H8","v":4.7999999999999994E-2}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ann",null,"Lin",null,"Bal",null,null,null,null,"Betaald na 25 jaar",null,{"$f":"Rente1!BW37","v":0},{"$f":"'Rente 2'!BW37","v":0},{"$f":"'Rente 3'!BW37","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afgelost na 25 jaar",null,{"$f":"Rente1!BX37","v":0},{"$f":"'Rente 2'!BX37","v":0},{"$f":"'Rente 3'!BX37","v":0}]
[null,null,"Vergelijk op basis van rentepercentage",null,null,null,null,null,{"$f":"H6","v":3.7999999999999999E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D22*100,3)","v":0},null,{"$f":"ROUND(ROBijLineair!D22,3)","v":0},null,{"$f":"ROUND(ROBijBalans!D22,3)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D23*100,3)","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(W21<W20,W21<>W20),1,2)","v":{"$error":"#VALUE!"}},{"$f":"ROUND(ROBijLineair!D23,3)","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(Y21<Y20,Y21<>Y20),1,2)","v":{"$error":"#VALUE!"}},{"$f":"ROUND(ROBijBalans!D23,3)","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(AA21<AA20,AA21<>AA20),1,2)","v":{"$error":"#VALUE!"}},null,null,null,1]
[null,null,"Netto betaald na 10 jaar",null,null,null,{"$f":"Rente1!BW22","v":0},null,null,"Afgelost na 10 jaar",null,null,{"$f":"Rente1!BX22","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D24*100,3)","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(W22<W21,W22<>W21),1,2)","v":{"$error":"#VALUE!"}},{"$f":"ROUND(ROBijLineair!D24,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D24,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Netto betaald na 20 jaar",null,null,null,{"$f":"Rente1!BW32","v":0},null,null,"Afgelost na 20 jaar",null,null,{"$f":"Rente1!BX32","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D25*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D25,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D25,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,{"$f":"IF(AF21=1,\"Netto betaald na 25 jaar\",\"Netto betaald na 30 jaar\")","v":"Netto betaald na 25 jaar"},null,null,null,{"$f":"IF(AF21=1,AH17,Rente1!BW42)","v":0},null,null,{"$f":"IF(AF21=1,\"Afgelost na 25 jaar\",\"Afgelost na 30 jaar\")","v":"Afgelost na 25 jaar"},null,null,{"$f":"IF(AF21=1,AH19,Rente1!BX42)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D26*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D26,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D26,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D27*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D27,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D27,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D28*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D28,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D28,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D29*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D29,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D29,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D30*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D30,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D30,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Vergelijk op basis van rentepercentage",null,null,null,null,null,{"$f":"H7","v":4.2999999999999997E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D31*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D31,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D31,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D32*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D32,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D32,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Netto betaald na 10 jaar",null,null,null,{"$f":"'Rente 2'!BW22","v":0},null,null,"Afgelost na 10 jaar",null,null,{"$f":"'Rente 2'!BX22","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D33*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D33,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D33,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Netto betaald na 20 jaar",null,null,null,{"$f":"'Rente 2'!BW32","v":0},null,null,"Afgelost na 20 jaar",null,null,{"$f":"'Rente 2'!BX32","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D34*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D34,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D34,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,{"$f":"C24","v":"Netto betaald na 25 jaar"},null,null,null,{"$f":"IF(AF21=1,AI17,'Rente 2'!BW42)","v":0},null,null,{"$f":"J24","v":"Afgelost na 25 jaar"},null,null,{"$f":"IF(AF21=1,AI19,'Rente 2'!BX42)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D35*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D35,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D35,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D36*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D36,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D36,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D37*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D37,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D37,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D38*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D38,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D38,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D39*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D39,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D39,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Vergelijk op basis van rentepercentage",null,null,null,null,null,{"$f":"H8","v":4.7999999999999994E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D40*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D40,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D40,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D41*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D41,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D41,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Netto betaald na 10 jaar",null,null,null,{"$f":"'Rente 3'!BW22","v":0},null,null,"Afgelost na 10 jaar",null,null,{"$f":"'Rente 3'!BX22","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D42*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D42,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D42,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Netto betaald na 20 jaar",null,null,null,{"$f":"'Rente 3'!BW32","v":0},null,null,"Afgelost na 20 jaar",null,null,{"$f":"'Rente 3'!BX32","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D43*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D43,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D43,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,{"$f":"C33","v":"Netto betaald na 25 jaar"},null,null,null,{"$f":"IF(AF21=1,AJ17,'Rente 3'!BW42)","v":0},null,null,{"$f":"J24","v":"Afgelost na 25 jaar"},null,null,{"$f":"IF(AF21=1,AJ19,'Rente 3'!BX42)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D44*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D44,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D44,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D45*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D45,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D45,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D46*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D46,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D46,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D47*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D47,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D47,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D48*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D48,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D48,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,"Overzicht vergelijk netto betaald en afgelost bij verschillend rentepercentage",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D49*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D49,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D49,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D50*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D50,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D50,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,{"$f":"I20*100&\"% t.o.v. \"&I29*100&\"%\"","v":"3,8% t.o.v. 4,3%"},null,{"$f":"I29*100&\"% t.o.v. \"&I38*100&\"%\"","v":"4,3% t.o.v. 4,8%"},null,{"$f":"I20*100&\"% t.o.v. \"&I38*100&\"%\"","v":"3,8% t.o.v. 4,8%"},null,null,null,null,null,null,null,null,null,null,{"$f":"W48","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"Y48","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"AA48","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROBijLineair!D52","v":0}]
[null,null,"Meer betaald na 10 jaar",null,null,null,null,{"$f":"G31-G22","v":0},null,{"$f":"G40-G31","v":0},null,{"$f":"G40-G22","v":0}]
[]
[]
[]
[]
[]
[null,null,"Meer betaald na 20 jaar",null,null,null,null,{"$f":"G32-G23","v":0},null,{"$f":"G41-G32","v":0},null,{"$f":"G41-G23","v":0}]
[null,null,{"$f":"IF(AF21=1,\"Meer betaald na 25 jaar\",\"Meer betaald na 30 jaar\")","v":"Meer betaald na 25 jaar"},null,null,null,null,{"$f":"G33-G24","v":0},null,{"$f":"G42-G33","v":0},null,{"$f":"G42-G24","v":0}]
[]
[null,null,"Minder afgelost na 10 jaar",null,null,null,null,{"$f":"M22-M31","v":0},null,{"$f":"M31-M40","v":0},null,{"$f":"M22-M40","v":0}]
[null,null,"Minder afgelost na 20 jaar",null,null,null,null,{"$f":"M23-M32","v":0},null,{"$f":"M32-M41","v":0},null,{"$f":"M23-M41","v":0}]
[null,null,{"$f":"IF(AF21=1,\"Minder afgelost na 25 jaar\",\"Minder afgelost na 30 jaar\")","v":"Minder afgelost na 25 jaar"},null,null,null,null,{"$f":"M24-M33","v":0},null,{"$f":"M33-M42","v":0},null,{"$f":"M24-M42","v":0}]
[]
[null,null,"Totaal 'nadeel' na 10 jaar",null,null,null,null,{"$f":"H51+H60","v":0},null,{"$f":"J51+J60","v":0},null,{"$f":"L51+L60","v":0}]
[null,null,"Totaal 'nadeel' na 20 jaar",null,null,null,null,{"$f":"H57+H61","v":0},null,{"$f":"J57+J61","v":0},null,{"$f":"L57+L61","v":0}]
[null,null,{"$f":"IF(AF21=1,\"Totaal 'nadeel' na 25 jaar\",\"Totaal 'nadeel' na 30 jaar\")","v":"Totaal 'nadeel' na 25 jaar"},null,null,null,null,{"$f":"H62+H58","v":0},null,{"$f":"J58+J62","v":0},null,{"$f":"L62+L58","v":0}]

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[null,null,"Verbouwing",null,null,null,{"$f":"Q18","v":20000},null,{"$f":"Q18","v":20000},null,{"$f":"Q18","v":20000},null,{"$f":"Q18","v":20000},null,null,null,"Persoonlijke lening",null,10,5.5E-2]
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[{"$f":"'Vrije Keuze'!A34","v":0},null,"NHG ",null,null,null,null,null,{"$f":"I20*'Financiële Gegevens'!U13","v":142.20000000000002},null,{"$f":"K20*'Financiële Gegevens'!U13","v":142.20000000000002},null,{"$f":"Q18*'Financiële Gegevens'!U13","v":120},null,null,null,{"$f":"M9","v":"SVN-lening"},null,15,1.6E-2]
[null,null,"Taxatie",null,null,null,null,null,750,null,750,null,750]
[null,null,"Hypotheekakte",null,null,null,null,null,850,null,850,null,850]
[null,null,"Afronding",null,null,null,null,null,{"$f":"I20-I11-I12-I14-I15-I16","v":7.7999999999999545},null,{"$f":"Q21-K11-K12-K14-K15-K16","v":7.7999999999999545},null,null,null,null,null,"Verbouwing",null,null,null,null,null,{"$f":"Algemeen!E25","v":3.7999999999999999E-2},null,null,null,null,null,null,null,null,null,null,{"$f":"H6","v":0},{"$f":"H7","v":0},{"$f":"H8","v":0}]
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[]
[null,null,"Som lening",null,null,null,{"$f":"SUM(G11:G17)","v":21950},null,{"$f":"Q21","v":23700},null,{"$f":"I20","v":23700},null,{"$f":"Q18","v":20000},null,null,null,"Hypotheekbedrag scenario 2/3",null,null,null,null,null,"Ann",null,"Lin",null,"Bal",null,null,null,null,"Betaald na 25 jaar",null,{"$f":"Rente1!BW37","v":0},{"$f":"'Rente 2'!BW37","v":0},{"$f":"'Rente 3'!BW37","v":0}]
[null,null,"Eigen inleg",null,null,null,null,null,null,null,null,null,{"$f":"SUM(M12:M17)","v":4520},null,null,null,23700]
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[null,null,"Rentepercentage",null,null,null,{"$f":"T11","v":5.5E-2},null,{"$f":"T12","v":0.04},null,{"$f":"T13","v":4.8500000000000001E-2},null,{"$f":"T14","v":1.6E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afgelost na 25 jaar",null,{"$f":"Rente1!BX37","v":0},{"$f":"'Rente 2'!BX37","v":0},{"$f":"'Rente 3'!BX37","v":0}]
[null,null,"Looptijd in jaren",null,null,null,{"$f":"S10","v":0},null,{"$f":"S12","v":10},null,{"$f":"S13","v":30},null,{"$f":"S14","v":15}]
[null,null,"Jaar vast",null,null,null,{"$f":"S11","v":10},null,{"$f":"S12","v":10},null,{"$f":"S13","v":30},null,{"$f":"S14","v":15},null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D22*100,3)","v":0},null,{"$f":"ROUND(ROBijLineair!D22,3)","v":0},null,{"$f":"ROUND(ROBijBalans!D22,3)","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(BR12:BR43)","v":2382.1518012325528},null,{"$f":"SUM(BT12:BT43)","v":2382.1518012325528},null,"Is bruto over de looptijd, dus bijvoorbeeld 10 jaar."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BR44*12","v":28585.821614790635},null,{"$f":"BT44*12","v":28585.821614790635},null,"Is bruto per jaar maal 12 maanden. "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[null,null,null,null,null,null,null,null,null,"Pas verwijzing aan=>",{"$f":"CELL(\"bestandsnaam\",AnO!A13)","v":"G:\\Mijn Drive\\CalFin\\[Calfin 11-10-2024.xlsm]AnO"},null,null,null,null,{"$f":"ROW(AnO!F21)","v":21},null,null,null,{"$f":"+P2+1","v":22},null,null,null,{"$f":"+T2+1","v":23},null,null,null,{"$f":"+X2+1","v":24},null,null,null,{"$f":"+AB2+1","v":25},null,null,null,null,{"$f":"SUM(P1:AH1)","v":0},"Band",{"$f":"MAX(IFERROR(1/(((AL12:AL41)*12)/(((AL12:AL41)*12)+$AM$11)),0))","v":0}]
[null,"In jaar","verandering",null,null,null,null,null,null,null,null,null,null,"REST($P13;R$4)>1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"voeg hier blok toe","Banksparen; spaarpot",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Schijven",null,null,null,"Percentages"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(BR12:BR43)","v":2399.5097745076355},null,{"$f":"SUM(BT12:BT43)","v":2399.5097745076355},null,"Is bruto over de looptijd, dus bijvoorbeeld 10 jaar."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BR44*12","v":28794.117294091626},null,{"$f":"BT44*12","v":28794.117294091626},null,"Is bruto per jaar maal 12 maanden. "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[null,null,null,null,null,null,null,null,null,"Pas verwijzing aan=>",{"$f":"CELL(\"bestandsnaam\",AnO!A13)","v":"G:\\Mijn Drive\\CalFin\\[Calfin 11-10-2024.xlsm]AnO"},null,null,null,null,{"$f":"ROW(AnO!F21)","v":21},null,null,null,{"$f":"+P2+1","v":22},null,null,null,{"$f":"+T2+1","v":23},null,null,null,{"$f":"+X2+1","v":24},null,null,null,{"$f":"+AB2+1","v":25},null,null,null,null,{"$f":"SUM(P1:AH1)","v":0},"Band",{"$f":"MAX(IFERROR(1/(((AL12:AL41)*12)/(((AL12:AL41)*12)+$AM$11)),0))","v":0}]
[null,"In jaar","verandering",null,null,null,null,null,null,null,null,null,null,"REST($P13;R$4)>1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"voeg hier blok toe","Banksparen; spaarpot",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Schijven",null,null,null,"Percentages"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(BR12:BR43)","v":3751.8888940295005},null,{"$f":"SUM(BT12:BT43)","v":3751.8888940295005},null,"Is bruto over de looptijd, dus bijvoorbeeld 10 jaar."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BR44*12","v":45022.666728354008},null,{"$f":"BT44*12","v":45022.666728354008},null,"Is bruto per jaar maal 12 maanden. "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

{"sheet":"Rente 4 P","index":134,"n_rows":51,"n_cols":76,"rows_kept":51,"cut":false,"hidden":true,"merged":[]}
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[null,null,null,null,null,null,null,null,null,"Pas verwijzing aan=>",{"$f":"CELL(\"bestandsnaam\",AnO!A13)","v":"G:\\Mijn Drive\\CalFin\\[Calfin 11-10-2024.xlsm]AnO"},null,null,null,null,{"$f":"ROW(AnO!F21)","v":21},null,null,null,{"$f":"+P2+1","v":22},null,null,null,{"$f":"+T2+1","v":23},null,null,null,{"$f":"+X2+1","v":24},null,null,null,{"$f":"+AB2+1","v":25},null,null,null,null,{"$f":"SUM(P1:AH1)","v":0},"Band",{"$f":"MAX(IFERROR(1/(((AL12:AL41)*12)/(((AL12:AL41)*12)+$AM$11)),0))","v":0}]
[null,"In jaar","verandering",null,null,null,null,null,null,null,null,null,null,"REST($P13;R$4)>1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"voeg hier blok toe","Banksparen; spaarpot",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Schijven",null,null,null,"Percentages"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($M10;O$2)<>0;ALS(O$8;$H10;0)+N9;O$5+$K10+$G10)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>AB$4;AB9;-BET(AA10;AB$4-$M10+1;AC9)-AC9*AA10+AB9)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=MIN($AF13-SOM(VERSCHUIVING(AR13;0;0;1;KOLOMMEN(AQ:$AQ)));VERSCHUIVING(AQ$3;$AN13;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     NIET  rentevasteper.    ;  R-afslag; stap;0 )+vorig j;   R-start + R-scen + Afslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"             eindlooptijd; hoofdsom; betaling(r,resttijd;vorige) - rente + stand vorigejaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(BR12:BR43)","v":1875.7645482497944},null,{"$f":"SUM(BT12:BT43)","v":1875.7645482497944},null,"Is bruto over de looptijd, dus bijvoorbeeld 10 jaar."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"afstand tot hoofdsom",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BR44*12","v":22509.174578997532},null,{"$f":"BT44*12","v":22509.174578997532},null,"Is bruto per jaar maal 12 maanden. "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($M10>O$4;0;ALS(O$3=\"A\";O9+BET(N10;O$4-$M10+1;O9)+O9*N10;ALS(O$3=\"L\";O9-O$6/O$4;O$6)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; vorigj + betaling(R;restjaren;vorigj) + rente; linear; vorigjaar - 1/x deel; constant)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                                                            betaling is negatief + rente = aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  loopt door alle koloomen en telt op:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"           N:Z   waarbij rest(van kolom;3) = div van kolom O"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]

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[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kleur aan of uit:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[]
[]
[{"$f":"SUM(A11:A13)","v":0}]
[{"$f":"'Vrije Keuze'!A32","v":0}]
[{"$f":"'Vrije Keuze'!A33","v":0}]
[{"$f":"'Vrije Keuze'!A34","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Algemeen!E25","v":3.7999999999999999E-2},null,null,null,null,null,null,null,null,null,null,{"$f":"H6","v":0},{"$f":"H7","v":0},{"$f":"H8","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ann",null,"Lin",null,"Bal",null,null,null,null,"Betaald na 25 jaar",null,{"$f":"Rente1!BW37","v":0},{"$f":"'Rente 2'!BW37","v":0},{"$f":"'Rente 3'!BW37","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afgelost na 25 jaar",null,{"$f":"Rente1!BX37","v":0},{"$f":"'Rente 2'!BX37","v":0},{"$f":"'Rente 3'!BX37","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D26*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D26,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D26,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(ROBijAnnuiteit!D27*100,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijLineair!D27,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},{"$f":"ROUND(ROBijBalans!D27,3)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"}]
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["Aflosvrij",null,0,null,null,4,2.1000000000000001E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["Renteopslag ",null,0,null,null,5,1.4999999999999999E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["WOZ",null,0,null,null,6,2.1499999999999998E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["EWF",null,0,null,null,7,2.6499999999999999E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["IB",null,0.36549999999999999,null,null,8,2.8500000000000001E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["ORV",null,0]
["CSP",null,19.5]
["Box 3",null,0]
["Aftrekbaar",null,0]
[]
[]
[]
["Balans:"]
[]
["Annuiteit",null,0]
["Lineair",null,0,0.5,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rente ",null,null,"box 1",null,"IB "]
["Aflosvrij",null,0,"AFL","TW",null,"ann","lin","rente lin",null,null,null,"rente ann",null,null,"rente afl.vr",null,null,"box3","extra","TOTAAL","rente",null,"Terug","Netto"]
["Basisberekening",null,null,0,0,1,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
["Ann.pm",null,0,0,0,2,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
["Lin pm + rente",null,null,0,0,3,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
["Afl.vr. pm",null,null,0,0,4,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
["TOTAAL",null,null,0,0,5,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
[null,null,null,0,0,6,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
["Aflossing ann.",null,null,0,0,7,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
[null,null,null,0,0,8,0,0,0,null,null,null,0,null,null,0,null,null,0,19.5,19.5,0,null,0,19.5]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Ja"]
[null,null,null,null,"Nee"]

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["Hypotheekrente en maandlasten vergelijk op basis van:"]
[{"$f":"IF(AK2=TRUE,\"Aflosvrij\",IF(A109=1,\"Rentevergelijk\",IF(C6=C7,\"Aflosvrij\",IF(AND(A65=2,C73>0),\"Annuiteit en aflosvrij\",IF(AND(A65=1,C73>0),\"Lineair en aflosvrij\",IF(AND(A65=2,C73=0),\"Annuiteitenhypotheek\",IF(AND(A65=1,C73=0),\"Lineaire hypotheek\",IF(AND(A65=3,C7>0),\"Annuïteit en lineair i.c.m. aflosvrij\",IF(AND(A65=3,C7=0),\"Annuïteit en lineair\")))))))))","v":"Aflosvrij"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hypotheekkeuze:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,"Box 3",{"$f":"AlgemeenOUD!F29","v":0}]
["Hypotheeksom",null,{"$f":"AlgemeenOUD!C27","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"C6-C7","v":0},null,{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2},{"$f":"Q6/C6*O6","v":{"$error":"#DIV/0!"}}]
[{"$f":"IF(AlgemeenOUD!F30>0,\"Waarvan aflosvrij\",\" \")","v":" "},null,{"$f":"IF(AlgemeenOUD!F30>0,AlgemeenOUD!F30,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"C7","v":0},null,{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":3.7999999999999999E-2},{"$f":"Q7/C6*O7","v":{"$error":"#DIV/0!"}}]
["(Maximale verstrekking staat tussen haakjes vermeld)",null,null,null,null,null,null,null,null,null,null,null,null,null,"Getallen:",null,null,{"$f":"SUM(R6:R7)","v":{"$error":"#DIV/0!"}}]
[{"$f":"\"Vergelijk op basis van \"&O15&\" jaar vast bij VERSCHILLENDE geldverstrekkers\"","v":"Vergelijk op basis van 10 jaar vast bij VERSCHILLENDE geldverstrekkers"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto","Netto","TB","TN","Corr. B3","TOTAAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annuiteit","Aflosvrij"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"      Geen automatische invulling? Zet vink aan."]
[]
[{"$f":"Vergelijk!L10","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!L11","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!L12","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!L13","v":{"$error":"#DIV/0!"}},null,null,"Opslag "]
[{"$f":"IF(A109=1,0,Vergelijk!J35)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!J36","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!J37","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!J38","v":{"$error":"#DIV/0!"}},null,null,"aflosvrij",null,{"$f":"Algemeen!E26","v":10},null,"Rente%",null,null,null,null,5,{"$f":"IF(nhg,0,'Voorstel HOR'!M35)","v":0},0,"sRij","trede","jaren","max%","kol","rij","Rente%"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Merius",null,0.01,{"$f":"IF(ISERROR(AC16),\"MW % te hoog\",\"\")","v":""},null,null,null,10,{"$f":"+O16","v":"Merius"},{"$f":"MATCH(W16,RO_bankonsort,)-1","v":19},{"$f":"OFFSET(RO_bankonsort,$X16,COLUMNS($Y:Y),1,1)","v":277},{"$f":"OFFSET(RO_bankonsort,$X16,COLUMNS($Y:Z),1,1)","v":4},{"$f":"OFFSET(RO_bankonsort,$X16,COLUMNS($Y:AA),1,1)","v":7},{"$f":"OFFSET(RO_tabel,Y16-1,Z16)","v":1},{"$f":"IF($W$15>AB16,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y16-1,1,1,Z16),1),0))+1","v":1},{"$f":"MATCH($O$15&\"\",OFFSET(RO_tabel,Y16,0,AA16,1),)-1","v":2},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD16+Y16,AC16))+OFFSET(RO_renten,Y16+AD16,0),\"-\")","v":0.01}]
["Bruto",null,null,"Bruto",null,null,"Bruto",null,null,"Bruto",null,null,null,null,"ING",null,8.5000000000000006E-3,{"$f":"IF(ISERROR(AC17),\"MW % te hoog\",\"\")","v":""},null,null,null,15,{"$f":"+O17","v":"ING"},{"$f":"MATCH(W17,RO_bankonsort,)-1","v":30},{"$f":"OFFSET(RO_bankonsort,$X17,COLUMNS($Y:Y),1,1)","v":146},{"$f":"OFFSET(RO_bankonsort,$X17,COLUMNS($Y:Z),1,1)","v":11},{"$f":"OFFSET(RO_bankonsort,$X17,COLUMNS($Y:AA),1,1)","v":10},{"$f":"OFFSET(RO_tabel,Y17-1,Z17)","v":1.1000000000000001},{"$f":"IF($W$15>AB17,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y17-1,1,1,Z17),1),0))+1","v":1},{"$f":"MATCH($O$15&\"\",OFFSET(RO_tabel,Y17,0,AA17,1),)-1","v":6},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD17+Y17,AC17))+OFFSET(RO_renten,Y17+AD17,0),\"-\")","v":9.5999999999999992E-3}]
[{"$f":"IF(A65=2,Vergelijk!F10,IF(A65=1,I70,O90))","v":14.5},null,null,{"$f":"IF(A65=2,Vergelijk!F11,IF(A65=1,I71,O91))","v":14.5},null,null,{"$f":"IF(A65=2,Vergelijk!F12,IF(A65=1,I72,O92))","v":14.5},null,null,{"$f":"IF(A65=2,Vergelijk!F13,IF(A65=1,I73,O93))","v":14.5},null,null,null,null,"Abn/Amro",null,1.06E-2,{"$f":"IF(ISERROR(AC18),\"MW % te hoog\",\"\")","v":""},null,null,null,20,{"$f":"+O18","v":"Abn/Amro"},{"$f":"MATCH(W18,RO_bankonsort,)-1","v":36},{"$f":"OFFSET(RO_bankonsort,$X18,COLUMNS($Y:Y),1,1)","v":50},{"$f":"OFFSET(RO_bankonsort,$X18,COLUMNS($Y:Z),1,1)","v":3},{"$f":"OFFSET(RO_bankonsort,$X18,COLUMNS($Y:AA),1,1)","v":12},{"$f":"OFFSET(RO_tabel,Y18-1,Z18)","v":1.06},{"$f":"IF($W$15>AB18,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y18-1,1,1,Z18),1),0))+1","v":1},{"$f":"MATCH($O$15&\"\",OFFSET(RO_tabel,Y18,0,AA18,1),)-1","v":6},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD18+Y18,AC18))+OFFSET(RO_renten,Y18+AD18,0),\"-\")","v":1.01E-2},null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AO18*12-AJ18","v":0},{"$f":"AH18-AK18","v":0},{"$f":"FV(P18/12,AG18*12,AO18,-AH18)","v":0},{"$f":"IF(C$47=1,AO18+19.5+C$48,AO18+C$48)","v":0},{"$f":"MAX(0,(AI18-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AL18-AM18","v":0},{"$f":"PMT(P18/12,AlgemeenOUD!C$123,-AH18,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P18/12)","v":0},{"$f":"AP18*(100%-F$43)","v":0},{"$f":"AL18+AP18","v":0},{"$f":"AN18+AQ18","v":0},{"$f":"(AJ$5*P18*F$43)/12","v":0},{"$f":"AT18+AS18","v":0}]
["Netto",null,null,"Netto",null,null,"Netto",null,null,"Netto",null,null,null,null,"RABOBANK",null,9.2999999999999992E-3,{"$f":"IF(ISERROR(AC19),\"MW % te hoog\",\"\")","v":""},null,null,null,30,{"$f":"+O19","v":"RABOBANK"},{"$f":"MATCH(W19,RO_bankonsort,)-1","v":24},{"$f":"OFFSET(RO_bankonsort,$X19,COLUMNS($Y:Y),1,1)","v":204},{"$f":"OFFSET(RO_bankonsort,$X19,COLUMNS($Y:Z),1,1)","v":3},{"$f":"OFFSET(RO_bankonsort,$X19,COLUMNS($Y:AA),1,1)","v":18},{"$f":"OFFSET(RO_tabel,Y19-1,Z19)","v":1.06},{"$f":"IF($W$15>AB19,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y19-1,1,1,Z19),1),0))+1","v":1},{"$f":"MATCH($O$15&\"\",OFFSET(RO_tabel,Y19,0,AA19,1),)-1","v":9},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD19+Y19,AC19))+OFFSET(RO_renten,Y19+AD19,0),\"-\")","v":1.0800000000000001E-2},null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AO19*12-AJ19","v":0},{"$f":"AH19-AK19","v":0},{"$f":"FV(P19/12,AG19*12,AO19,-AH19)","v":0},{"$f":"IF(C$47=1,AO19+19.5+C$48,AO19+C$48)","v":0},{"$f":"MAX(0,(AI19-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AL19-AM19","v":0},{"$f":"PMT(P19/12,AlgemeenOUD!C$123,-AH19,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P19/12)","v":0},{"$f":"AP19*(100%-F$43)","v":0},{"$f":"AL19+AP19","v":0},{"$f":"AN19+AQ19","v":0},{"$f":"(AJ$5*P19*F$43)/12","v":0},{"$f":"AT19+AS19","v":0}]
[{"$f":"IF(A65=2,Vergelijk!G10,IF(A65=1,M70,S90))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(A65=2,Vergelijk!G11,IF(A65=1,M71,S91))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(A65=2,Vergelijk!G12,IF(A65=1,M72,S92))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(A65=2,Vergelijk!G13,IF(A65=1,M73,S93))","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AO20*12-AJ20","v":0},{"$f":"AH20-AK20","v":0},{"$f":"FV(P20/12,AG20*12,AO20,-AH20)","v":0},{"$f":"IF(C$47=1,AO20+19.5+C$48,AO20+C$48)","v":0},{"$f":"MAX(0,(AI20-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AL20-AM20","v":0},{"$f":"PMT(P20/12,AlgemeenOUD!C$123,-AH20,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P20/12)","v":0},{"$f":"AP20*(100%-F$43)","v":0},{"$f":"AL20+AP20","v":0},{"$f":"AN20+AQ20","v":0},{"$f":"(AJ$5*P20*F$43)/12","v":0},{"$f":"AT20+AS20","v":0}]
[{"$f":"IF(M16>0,\"**\",0)","v":0},null,null,{"$f":"IF(M17>0,\"**\",0)","v":0},null,null,{"$f":"IF(M18>0,\"**\",0)","v":0},null,null,{"$f":"IF(M19>0,\"**\",0)","v":0}]
["Vergelijk van de LAAGSTE rente met verschillende rentevast periodes.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto","Netto","TB","TN","Corr. B3","TOTAAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Opslag aflosvrij",null,"Laagste rente per RVP bij geldverstrekker:",null,"Rente%",null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente%"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O15=5,10,IF(O15=10,5,IF(O15=20,5,IF(O15=15,5,IF(O15=30,5)))))","v":5},"NIBC",null,9.4000000000000004E-3,{"$f":"IF(ISERROR(AC24),\"MW % te hoog\",\"\")","v":""},null,null,null,null,{"$f":"O24","v":"NIBC"},{"$f":"MATCH(W24,RO_bankonsort,)-1","v":38},{"$f":"OFFSET(RO_bankonsort,$X24,COLUMNS($Y:Y),1,1)","v":10},{"$f":"OFFSET(RO_bankonsort,$X24,COLUMNS($Y:Z),1,1)","v":5},{"$f":"OFFSET(RO_bankonsort,$X24,COLUMNS($Y:AA),1,1)","v":16},{"$f":"OFFSET(RO_tabel,Y24-1,Z24)","v":1.1499999999999999},{"$f":"IF($W$15>AB24,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y24-1,1,1,Z24),1),0))+1","v":1},{"$f":"MATCH($N24&\"\",OFFSET(RO_tabel,Y24,0,AA24,1),)-1","v":4},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD24+Y24,AC24))+OFFSET(RO_renten,Y24+AD24,0),\"-\")","v":9.4000000000000004E-3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O15=5,15,IF(O15=10,15,IF(O15=15,10,IF(O15=20,10,IF(O15=30,10)))))","v":15},"Abn/Amro",null,1.32E-2,{"$f":"IF(ISERROR(AC25),\"MW % te hoog\",\"\")","v":""},null,null,null,null,{"$f":"O25","v":"Abn/Amro"},{"$f":"MATCH(W25,RO_bankonsort,)-1","v":36},{"$f":"OFFSET(RO_bankonsort,$X25,COLUMNS($Y:Y),1,1)","v":50},{"$f":"OFFSET(RO_bankonsort,$X25,COLUMNS($Y:Z),1,1)","v":3},{"$f":"OFFSET(RO_bankonsort,$X25,COLUMNS($Y:AA),1,1)","v":12},{"$f":"OFFSET(RO_tabel,Y25-1,Z25)","v":1.06},{"$f":"IF($W$15>AB25,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y25-1,1,1,Z25),1),0))+1","v":1},{"$f":"MATCH($N25&\"\",OFFSET(RO_tabel,Y25,0,AA25,1),)-1","v":8},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD25+Y25,AC25))+OFFSET(RO_renten,Y25+AD25,0),\"-\")","v":1.18E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O15=5,20,IF(O15=10,20,IF(O15=15,20,IF(O15=30,15,IF(O15=20,15)))))","v":20},"MUNT",null,1.52E-2,{"$f":"IF(ISERROR(AC26),\"MW % te hoog\",\"\")","v":""},null,null,null,null,"MUNT",{"$f":"MATCH(W26,RO_bankonsort,)-1","v":39},{"$f":"OFFSET(RO_bankonsort,$X26,COLUMNS($Y:Y),1,1)","v":2},{"$f":"OFFSET(RO_bankonsort,$X26,COLUMNS($Y:Z),1,1)","v":4},{"$f":"OFFSET(RO_bankonsort,$X26,COLUMNS($Y:AA),1,1)","v":7},{"$f":"OFFSET(RO_tabel,Y26-1,Z26)","v":1.01},{"$f":"IF($W$15>AB26,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y26-1,1,1,Z26),1),0))+1","v":1},{"$f":"MATCH($N26&\"\",OFFSET(RO_tabel,Y26,0,AA26,1),)-1","v":4},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD26+Y26,AC26))+OFFSET(RO_renten,Y26+AD26,0),\"-\")","v":1.5100000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O15=5,30,IF(O15=10,30,IF(O15=15,30,IF(O15=20,30,IF(O15=30,20)))))","v":30},"AEGON",null,1.7500000000000002E-2,{"$f":"IF(ISERROR(AC27),\"MW % te hoog\",\"\")","v":""},null,null,null,null,"AEGON",{"$f":"MATCH(W27,RO_bankonsort,)-1","v":35},{"$f":"OFFSET(RO_bankonsort,$X27,COLUMNS($Y:Y),1,1)","v":63},{"$f":"OFFSET(RO_bankonsort,$X27,COLUMNS($Y:Z),1,1)","v":3},{"$f":"OFFSET(RO_bankonsort,$X27,COLUMNS($Y:AA),1,1)","v":30},{"$f":"OFFSET(RO_tabel,Y27-1,Z27)","v":1.125},{"$f":"IF($W$15>AB27,\"-\",IFERROR(MATCH($W$15,OFFSET(RO_tabel,Y27-1,1,1,Z27),1),0))+1","v":1},{"$f":"MATCH($N27&\"\",OFFSET(RO_tabel,Y27,0,AA27,1),)-1","v":29},{"$f":"IFERROR(IF(RV_rekperc=0,0,OFFSET(RO_tabel,AD27+Y27,AC27))+OFFSET(RO_renten,Y27+AD27,0),\"-\")","v":1.5100000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aflosvrij"]
[{"$f":"N24&\" jaar\"","v":"5 jaar"},null,null,{"$f":"N25&\" jaar\"","v":"15 jaar"},null,null,{"$f":"N26&\" jaar\"","v":"20 jaar"},null,null,{"$f":"N27&\" jaar\"","v":"30 jaar"}]
[{"$f":"Vergelijk!L17","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!L18","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!L19","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!L20","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AI30*12-AD30","v":0},{"$f":"AB30-AE30","v":0},{"$f":"FV(P30/12,AA30*12,AI30,-AB30)","v":0},{"$f":"IF(C$47=1,AI30+19.5+C$48,AI30+C$48)","v":0},{"$f":"MAX(0,(AC30-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AF30-AG30","v":0},{"$f":"PMT(P30/12,AlgemeenOUD!C$123,-AB30,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P30/12)","v":0},{"$f":"AJ30*(100%-F$43)","v":0},{"$f":"AF30+AJ30","v":0},{"$f":"AH30+AK30","v":0},{"$f":"(AJ$5*P30*F$43)/12","v":0},{"$f":"AN30+AM30","v":0}]
[{"$f":"Vergelijk!J40","v":55261.373104419006},null,null,{"$f":"Vergelijk!J41","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!J42","v":{"$error":"#DIV/0!"}},null,null,{"$f":"Vergelijk!J43","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AI32*12-AD32","v":0},{"$f":"AB32-AE32","v":0},{"$f":"FV(P32/12,AA32*12,AI32,-AB32)","v":0},{"$f":"IF(C$47=1,AI32+19.5+C$48,AI32+C$48)","v":0},{"$f":"MAX(0,(AC32-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AF32-AG32","v":0},{"$f":"PMT(P32/12,AlgemeenOUD!C$123,-AB32,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P32/12)","v":0},{"$f":"AJ32*(100%-F$43)","v":0},{"$f":"AF32+AJ32","v":0},{"$f":"AH32+AK32","v":0},{"$f":"(AJ$5*P32*F$43)/12","v":0},{"$f":"AN32+AM32","v":0}]
["Bruto",null,null,"Bruto",null,null,"Bruto",null,null,"Bruto",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AI33*12-AD33","v":0},{"$f":"AB33-AE33","v":0},{"$f":"FV(P33/12,AA33*12,AI33,-AB33)","v":0},{"$f":"IF(C$47=1,AI33+19.5+C$48,AI33+C$48)","v":0},{"$f":"MAX(0,(AC33-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AF33-AG33","v":0},{"$f":"PMT(P33/12,AlgemeenOUD!C$123,-AB33,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P33/12)","v":0},{"$f":"AJ33*(100%-F$43)","v":0},{"$f":"AF33+AJ33","v":0},{"$f":"AH33+AK33","v":0},{"$f":"(AJ$5*P33*F$43)/12","v":0},{"$f":"AN33+AM33","v":0}]
[{"$f":"IF(A65=2,Vergelijk!F17,IF(A65=1,I74,O94))","v":14.5},null,null,{"$f":"IF(A65=2,Vergelijk!F18,IF(A65=1,I75,O95))","v":14.5},null,null,{"$f":"IF(A65=2,Vergelijk!F19,IF(A65=1,I76,O96))","v":14.5},null,null,{"$f":"IF(A65=2,Vergelijk!F20,IF(A65=1,I77,O97))","v":14.5},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AI34*12-AD34","v":0},{"$f":"AB34-AE34","v":0},{"$f":"FV(P34/12,AA34*12,AI34,-AB34)","v":0},{"$f":"IF(C$47=1,AI34+19.5+C$48,AI34+C$48)","v":0},{"$f":"MAX(0,(AC34-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AF34-AG34","v":0},{"$f":"PMT(P34/12,AlgemeenOUD!C$123,-AB34,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P34/12)","v":0},{"$f":"AJ34*(100%-F$43)","v":0},{"$f":"AF34+AJ34","v":0},{"$f":"AH34+AK34","v":0},{"$f":"(AJ$5*P34*F$43)/12","v":0},{"$f":"AN34+AM34","v":0}]
["Netto",null,null,"Netto",null,null,"Netto",null,null,"Netto",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AI35*12-AD35","v":0},{"$f":"AB35-AE35","v":0},{"$f":"FV(P35/12,AA35*12,AI35,-AB35)","v":0},{"$f":"IF(C$47=1,AI35+19.5+C$48,AI35+C$48)","v":0},{"$f":"MAX(0,(AC35-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AF35-AG35","v":0},{"$f":"PMT(P35/12,AlgemeenOUD!C$123,-AB35,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P35/12)","v":0},{"$f":"AJ35*(100%-F$43)","v":0},{"$f":"AF35+AJ35","v":0},{"$f":"AH35+AK35","v":0},{"$f":"(AJ$5*P35*F$43)/12","v":0},{"$f":"AN35+AM35","v":0}]
[{"$f":"IF(A65=2,Vergelijk!G17,IF(A65=1,M74,S94))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(A65=2,Vergelijk!G18,IF(A65=1,M75,S95))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(A65=2,Vergelijk!G19,IF(A65=1,M76,S96))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(A65=2,Vergelijk!G20,IF(A65=1,M77,S97))","v":{"$error":"#DIV/0!"}}]
[]
[{"$f":"IF(M24>0,\"**\",0)","v":0},null,null,{"$f":"IF(M25>0,\"**\",0)","v":0},null,null,{"$f":"IF(M26>0,\"**\",0)","v":0},null,null,{"$f":"IF(M27>0,\"**\",0)","v":0}]
[]
[null,null,null,null,null,"Uitgangspunten van het vergelijk"]
[]
[]
["IB-Tarief",null,null,null,null,{"$f":"Vergelijk!E33","v":0.36969999999999997}]
["WOZ-waarde",null,null,null,null,{"$f":"Vergelijk!E34","v":0}]
["Marktwaarde",null,null,null,null,{"$f":"'Voorstel HOR'!M34","v":0}]
["Niet-aftrekbaar hypotheekdeel",null,null,null,null,{"$f":"IF(Vergelijk!E36=0,\"Geen\",Vergelijk!E36)","v":"Geen"}]
["Comfort Servicepakket",null,null,null,null,{"$f":"Vergelijk!E37","v":14.5}]
["Premie overlijdensrisicodekking",null,null,null,null,{"$f":"C78","v":0}]
["ING/ABN/SNS/RABOBANK",null,null,null,null,"Rente inclusief korting i.v.m. bankieren"]
[{"$f":"IF(E50>0,\"Verklaring melding **\",0)","v":0},null,null,null,{"$f":"SUM(M24:M27)+SUM(M16:N19)","v":0},{"$f":"IF(E50>0,\"Inclusief rente opslag aflosvrij hypotheekdeel\",0)","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Aflossing Lineair"]
["Aflossing Annuïtair"]
["Aflossing Balans"]
[2]
[]
["Gemiddeld",null,{"$f":"(C68+C70)/2","v":0}]
["Eind 1e jaar",null,{"$f":"C70-(12*C72)","v":0},null,null,null,null,"Rente",null,"Box 1"]
["Lineair",null,{"$f":"C70-C73","v":0},null,null,null,"Rente","Correctie","Bruto","Rente","IB terug",null,"Netto"]
["Hypotheeksom",null,{"$f":"Alg_naschuif","v":0},null,null,1,{"$f":"Q16","v":0.01},{"$f":"(G70/C$70*C$69)+(C$73/C$70*((G70+M16)))","v":{"$error":"#DIV/0!"}},{"$f":"(C$67*H70/12)+C$72+C$78+C$79","v":{"$error":"#DIV/0!"}},{"$f":"(C$67-C$80)*H70","v":{"$error":"#DIV/0!"}},{"$f":"J70*C$77/12-(C$76/12)","v":{"$error":"#DIV/0!"}},null,{"$f":"I70-K70","v":{"$error":"#DIV/0!"}}]
["Looptijd",null,{"$f":"Algemeen!E27","v":30},null,null,2,{"$f":"Q17","v":8.5000000000000006E-3},{"$f":"(G71/C$70*C$69)+(C$73/C$70*((G71+M17)))","v":{"$error":"#DIV/0!"}},{"$f":"(C$67*H71/12)+C$72+C$78+C$79","v":{"$error":"#DIV/0!"}},{"$f":"(C$67-C$80)*H71","v":{"$error":"#DIV/0!"}},{"$f":"J71*C$77/12-(C$76/12)","v":{"$error":"#DIV/0!"}},null,{"$f":"I71-K71","v":{"$error":"#DIV/0!"}}]
["Aflossing",null,{"$f":"(C70-C73)/(C71*12)","v":0},null,null,3,{"$f":"Q18","v":1.06E-2},{"$f":"(G72/C$70*C$69)+(C$73/C$70*((G72+M18)))","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
["Aflosvrij",null,{"$f":"Aflosvrij_leningdeel","v":0},null,null,4,{"$f":"Q19","v":9.2999999999999992E-3},{"$f":"(G73/C$70*C$69)+(C$73/C$70*((G73+M19)))","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
["Renteopslag ",null,{"$f":"Opslag_aflosvrij","v":0},null,null,5,{"$f":"Q24","v":9.4000000000000004E-3},{"$f":"(G74/C$70*C$69)+(C$73/C$70*((G74+M24)))","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
["WOZ",null,{"$f":"AlgemeenOUD!$F$50","v":0},null,null,6,{"$f":"Q25","v":1.32E-2},{"$f":"(G75/C$70*C$69)+(C$73/C$70*((G75+M25)))","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
["EWF",null,{"$f":"'Financiële Gegevens'!C37","v":0},null,null,7,{"$f":"Q26","v":1.52E-2},{"$f":"(G76/C$70*C$69)+(C$73/C$70*((G76+M26)))","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
["IB",null,{"$f":"AlgemeenOUD!C16","v":0.36969999999999997},null,null,8,{"$f":"Q27","v":1.7500000000000002E-2},{"$f":"(G77/C$70*C$69)+(C$73/C$70*((G77+M27)))","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
["ORV",null,{"$f":"Overlijden!E44+Overlijden!M44","v":0}]
["CSP",null,{"$f":"Algemeen!E45","v":14.5}]
["Box 3",null,{"$f":"AlgemeenOUD!F29","v":0}]
["Aftrekbaar",null,{"$f":"C70-C80","v":0}]
[]
[]
[]
["Balans:"]
[]
["Annuiteit",null,{"$f":"BalO!E10","v":0}]
["Lineair",null,{"$f":"BalO!E16","v":0},0.5,null,null,null,null,null,null,null,null,"rente ",null,null,"box 1",null,"IB "]
["Aflosvrij",null,{"$f":"Algemeen!K43","v":0},"AFL","TW",null,"ann","lin","rente lin","rente ann","rente afl.vr",null,"box3","extra","TOTAAL","rente",null,"Terug","Netto"]
["Basisberekening",null,null,{"$f":"(C$87-E90)*50%","v":0},{"$f":"FV(Rentevergelijk!G70/12,Vergelijk!W10*12,G90,-C$87)","v":0},1,{"$f":"PMT(G70/12,Rentevergelijk!C$71*12,-(C$87),0,0)","v":0},{"$f":"C$88/C$71","v":0},{"$f":"((C$88-(H90/2))*G70/12)","v":0},{"$f":"(C$87-D90)*G70/12","v":0},{"$f":"C$89*(G70+M16)/12","v":0},null,{"$f":"C$80*G70/12","v":0},{"$f":"C$79+C$78","v":14.5},{"$f":"G90+I90+K90+N90+(H90/12)","v":14.5},{"$f":"MAX(0,(K90+J90+I90)-M90)","v":0},null,{"$f":"P90*C$77-(C76/12)","v":0},{"$f":"O90-R90","v":14.5}]
["Ann.pm",null,{"$f":"PMT(AlgemeenOUD!F35/12,Rentevergelijk!C71*12,-(C87),0,0)","v":0},{"$f":"(C$87-E91)*50%","v":0},{"$f":"FV(Rentevergelijk!G71/12,Vergelijk!W11*12,G91,-C$87)","v":0},2,{"$f":"PMT(G71/12,Rentevergelijk!C$71*12,-(C$87),0,0)","v":0},{"$f":"C$88/C$71","v":0},{"$f":"((C$88-(H91/2))*G71/12)","v":0},{"$f":"(C$87-D91)*G71/12","v":0},{"$f":"C$89*(G71+M17)/12","v":0},null,{"$f":"C$80*G71/12","v":0},{"$f":"C$79+C$78","v":14.5},{"$f":"G91+(H91/12)+I91+K91+N91","v":14.5},{"$f":"MAX(0,(K91+J91+I91)-M91)","v":0},null,{"$f":"P91*C$77-(C$76/12)","v":0},{"$f":"O91-R91","v":14.5}]
["Lin pm + rente",null,null,0,{"$f":"FV(Rentevergelijk!G72/12,Vergelijk!W12*12,G92,-C$87)","v":0},3,{"$f":"PMT(G72/12,Rentevergelijk!C$71*12,-(C$87),0,0)","v":0},{"$f":"C$88/C$71","v":0},0,0,{"$f":"C$89*(G72+M18)/12","v":0},null,0,14.5,14.5,0,null,0,14.5]
["Afl.vr. pm",null,null,0,{"$f":"FV(Rentevergelijk!G73/12,Vergelijk!W13*12,G93,-C$87)","v":0},4,{"$f":"PMT(G73/12,Rentevergelijk!C$71*12,-(C$87),0,0)","v":0},0,0,0,{"$f":"C$89*(G73+M19)/12","v":0},null,0,14.5,14.5,0,null,0,14.5]
["TOTAAL",null,null,0,{"$f":"FV(Rentevergelijk!G74/12,Vergelijk!W17*12,G94,-C$87)","v":0},5,{"$f":"PMT(G74/12,Rentevergelijk!C$71*12,-(C$87),0,0)","v":0},0,0,0,{"$f":"C$89*(G74+M24)/12","v":0},null,0,14.5,14.5,0,null,0,14.5]
[null,null,null,0,{"$f":"FV(Rentevergelijk!G75/12,Vergelijk!W18*12,G95,-C$87)","v":0},6,{"$f":"PMT(G75/12,Rentevergelijk!C$71*12,-(C$87),0,0)","v":0},0,0,0,{"$f":"C$89*(G75+M25)/12","v":0},null,0,14.5,14.5,0,null,0,14.5]
["Aflossing ann.",null,null,0,{"$f":"FV(Rentevergelijk!G76/12,Vergelijk!W19*12,G96,-C$87)","v":0},7,{"$f":"PMT(G76/12,Rentevergelijk!C$71*12,-(C$87),0,0)","v":0},0,0,0,{"$f":"C$89*(G76+M26)/12","v":0},null,0,14.5,14.5,0,null,0,14.5]
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[{"$error":"#REF!"},{"$f":"IF(D25>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D25=67,PensioenOUD!C$19-#REF!+(AlgemeenOUD!F$50*'Financiële Gegevens'!B$37)-AlgemeenOUD!F$29*AlgemeenOUD!F$35,0)","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!C$7=1,#REF!,#REF!)","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},null,"Netto betaalde rente",null,null,{"$f":"K23-K24","v":3480},null,null,{"$f":"N23-N24","v":3480},null,null,{"$f":"Q23-Q24","v":3480},null,null,null,null,6.1007271411353079,0,73.208725693623705,null,null,null,null,null,null,null,null,null,null,null,8,0,0,null,null,0,182.33804655946125,0]
[{"$error":"#REF!"},{"$f":"IF(D26>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D26=67,PensioenOUD!C$19-#REF!+(AlgemeenOUD!F$50*'Financiële Gegevens'!B$37)-AlgemeenOUD!F$29*AlgemeenOUD!F$35,0)","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!C$7=1,#REF!,#REF!)","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!-0.5%","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5.6755401795970597,0,68.106482155164684,null,null,null,null,null,null,null,null,null,null,null,10,0,0,null,null,0,169.63009254088348,0]
[{"$error":"#REF!"},{"$f":"IF(D27>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D27=67,PensioenOUD!C$19-#REF!+(AlgemeenOUD!F$50*'Financiële Gegevens'!B$37)-AlgemeenOUD!F$29*AlgemeenOUD!F$35,0)","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!C$7=1,#REF!,#REF!)","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},null,"Netto betaald na 30 jaar",null,null,{"$f":"SUM(AnO!P40:R69)*12","v":5220},null,null,{"$f":"SUM(LinO!P40:R69)*12","v":5220},null,null,{"$f":"SUM(BalO!P40:R69)*12","v":5220},null,null,null,null,5.4556700529678217,0,65.468040635613818,null,null,null,null,null,null,null,null,null,null,null,11,0,0,null,null,0,163.05863172008435,0]
[{"$error":"#REF!"},{"$f":"IF(D28>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D28=67,PensioenOUD!C$19-#REF!+(AlgemeenOUD!F$50*'Financiële Gegevens'!B$37)-AlgemeenOUD!F$29*AlgemeenOUD!F$35,0)","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!C$7=1,#REF!,#REF!)","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},null,"Afgelost na 30 jaar",null,null,{"$f":"AlgemeenOUD!C27-AlgemeenOUD!F30","v":0},null,null,{"$f":"K28","v":0},null,null,{"$f":"N28","v":0},null,null,null,null,5.2308015115454083,0,62.769618138544899,null,null,null,null,null,null,null,null,null,null,null,12,0,0,null,null,0,156.33777867632602,0]
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[null,null,null,null,null,null,null,"Goedkopere vorm",null,null,"Balans",null,null,"Lineair",null,null,"Lineair"]
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[{"$error":"#REF!"},{"$f":"IF(D35>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D35=67,PensioenOUD!C$19-#REF!+(AlgemeenOUD!F$50*'Financiële Gegevens'!B$37)-AlgemeenOUD!F$29*AlgemeenOUD!F$35,0)","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!C$7=1,#REF!,#REF!)","v":{"$error":"#REF!"}},{"$f":"E34","v":{"$error":"#REF!"}},{"$f":"F34-0.5%","v":{"$error":"#REF!"}},null,"Meer betaald na 10 jaar",null,null,{"$f":"K21-Q21","v":0},null,null,{"$f":"K21-N21","v":0},null,null,{"$f":"Q21-N21","v":0},null,null,null,null,4.5250561095956305,0,54.300673315147577,null,null,null,null,null,null,null,null,null,null,null,15,0,0,null,null,0,135.2445163515506,0]
[null,null,null,null,null,null,null,"Meer betaald na 20 jaar",null,null,{"$f":"K25-Q25","v":0},null,null,{"$f":"K25-N25","v":0},null,null,{"$f":"Q25-N25","v":0}]
[null,null,null,null,null,null,null,"Meer betaald na 30 jaar",null,null,{"$f":"K29-Q29","v":0},null,null,{"$f":"K29-N29","v":0},null,null,{"$f":"Q29-N29","v":0}]
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{"sheet":"Aflosstand annuiteit","index":143,"n_rows":396,"n_cols":11,"rows_kept":396,"cut":false,"hidden":true,"merged":[[19,2,19,6],[20,2,20,6],[14,4,14,5],[15,4,15,5],[16,4,16,5],[17,4,17,5],[18,4,18,5],[13,4,13,5],[4,4,4,5],[5,4,5,5],[6,4,6,5],[11,4,11,5],[12,4,12,5]]}
[null,"http://www.belastingdienst.nl/rekenhulpen/aflossing_annuiteitenlening"]
[]
[null,"Aflosstand annuïteitenhypotheek"]
[]
[null,"Aanvangsom hypotheek",187680,"*"]
[null,"Rente",2.1000000000000001E-2,"*"]
[null,"Looptijd TOTAAL in maanden",360,"*"]
[]
[null,"Eerste RVP in maanden",120,"*"]
[null,"Rentepercentage",{"$f":"C6","v":2.1000000000000001E-2},"*"]
[]
[null,"Ingangsdatum","2016-12-15","*"]
[null,"Aflosdatum",{"$f":"TODAY()","v":"2024-10-11"},"*"]
[null,"Restschuld",{"$f":"VLOOKUP(C13,B37:F396,5)","v":149433.44837244006}]
[null,"Aantal maanden betaald",{"$f":"VLOOKUP(C13,B37:G396,6)","v":94}]
[null,"Aantal jaren betaald",{"$f":"C15/12","v":7.833333333333333}]
[null,"Aantal maanden nog te gaan",{"$f":"C7-C15","v":266}]
[null,"Aantal jaren nog te gaan",{"$f":"C17/12","v":22.166666666666668}]
[null,"Annuiteit","Zie tabel"]
[null,"* = INVULBAAR","De berekening is indicatief. Wil je de juiste stand weten, gebruik de site van de belastingdienst of"]
[null,null,"vraag de stand op bij de geldverstrekker."]
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[null,null,null,"Maanden rente","Rentepercentage"]
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[null,{"$f":"IF(I31=TRUE,\"Vul hier de 2e rente termijn in maanden in\",\"\")","v":""},null,null,null,null,null,null,{"$f":"J28","v":120},{"$f":"I29+D30","v":120},{"$f":"IF(D30=0,K28,E30/12)","v":1.75E-3}]
[null,{"$f":"IF(D29>0,\"Vul hier de 3e rente termijn in maanden in\",\" \")","v":" "},null,null,null,null,null,null,{"$f":"J29","v":120},{"$f":"I30+D31","v":120},{"$f":"IF(D31=0,K29,E31/12)","v":1.75E-3}]
[null,{"$f":"IF(D30>0,\"Vul hier de 4e rente termijn in maanden in\",\" \")","v":" "},null,null,null,null,null,null,false]
[null,{"$f":"IF(I32>C7,\"Het totaal aantal maanden is overschreven en is maximaal \"&C7&\" maanden.\",\" \")","v":" "},null,null,null,null,null,null,{"$f":"SUM(D27:D31)","v":120}]
[]
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[null,"Maand","Maandelijkse bedrag","Rente","Aflossing","Restschuld","Maanden betaald"]
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[null,null,null,null,2,"Marktwaarde NA verbouwing x 106%",null,null,null,null,null,{"$f":"I15*106%","v":286200},{"$f":"I15*106%","v":286200}]
[]
[null,null,null,null,3,"Koopsom plus VERBOUW/ERFPACHT/EBM x 106%",null,null,null,null,null,{"$f":"(I14+I17+I18+I19)*106%","v":281960},{"$f":"(I14+I17+I18+I19)*106%","v":281960}]
[]
[]
[null,null,null,null,"*","Koopsom",null,null,265000]
[null,null,null,null,"*","Marktwaarde NA verbouwing",null,null,270000]
[]
[null,null,null,null,"*","Kosten verbouwing",null,null,1000]
[null,null,null,null,"*","Afkoop erfpacht"]
[null,null,null,null,"*","Energie Besparende Maatregelen"]
[]
[]
[null,null,null,null,null,"De laagste van 1 / 2 / 3 dus maximaal",null,null,null,null,null,{"$f":"MIN(L7:L11)","v":272700},{"$f":"IF(MIN(M7:M11)>280900,280900,MIN(M7:M11))","v":270000}]
[]
[]
[null,null,null,null,"*","Deze waardes zijn in te vullen voor het bepalen van de maximale verstrekking onder NHG"]

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[null,null,null,"OPTIMAAL"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"ABS deel 1",null,{"$f":"ABS(H8-H12)","v":9.900000000000013E-4}]
[null,null,null,null,"Hypotheeksom",null,null,225000,"*",null,null,null,"ABS deel 2",null,{"$f":"ABS(H8-H10)","v":4.0099999999999997E-3}]
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[null,null,null,null,{"$f":"IF(O23>H8,\"Foutieve invoer!\",\"Optimale rente\")","v":"Optimale rente"},null,null,2.001E-2,"*",null,null,null,"TOTAAL",null,{"$f":"SUM(O5:O7)","v":5.000000000000001E-3}]
[]
[null,null,null,null,"Rente 10 jaar (deel 1)",null,null,1.6E-2,"*",null,null,null,"Verdeling deel 1",null,{"$f":"O5/O8","v":0.19800000000000023}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Verdeling deel 2",null,{"$f":"O6/O8","v":0.80199999999999982}]
[null,null,null,null,"Rente 20 jaar (deel 2)",null,null,2.1000000000000001E-2,"*"]
[null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",null,{"$f":"SUM(O10:O12)","v":1}]
[null,null,null,null,"Deel 10 jaar vast",null,null,{"$f":"O15","v":44550.000000000051}]
[null,null,null,null,"Deel 20 jaar vast",null,null,{"$f":"O16","v":180449.99999999997},null,null,null,null,"Deel 1",null,{"$f":"H6*O10","v":44550.000000000051}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Deel 2",null,{"$f":"H6*O11","v":180449.99999999997}]
[]
[null,null,null,"Er is gemiddeld een te hoge rente ingevoerd waardoor de ",null,null,null,null,null,null,null,null,"Controle"]
[null,null,null,"berekening voor de optimale rente niet mogelijk is. Wijzig de"]
[null,null,null,"invoer voor een correcte berekening! ",null,null,null,null,null,null,null,null,"Deel 1",null,{"$f":"H10/H6*H14","v":3.1680000000000033E-3}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Deel 2",null,{"$f":"H12/H6*H15","v":1.6841999999999999E-2}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",null,{"$f":"SUM(O20:O22)","v":2.0010000000000003E-2}]

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[]
[null,"Welkom David de Weijer, Van Bruggen Adviesgroep Purmerend",null,null,"Printpagina"]
[null,null,null,null,"Hypotheek",null,null,null,null,null,"Scenario's",null,null,null,null,null,"Diversen"]
[]
[]
[]
[]
[null,null,null,null,null,null,"Vorm",null,"Bruto","Netto"]
[]
[]
[]
[]
[]
[null,null,null,null,"Maandlast",null,null,null,null,null,"AO uitvoer",null,null,null,null,null,"Huur"]
[null,null,null,null,null,null,null,null,null,null,"AO grafiek",null,null,null,null,null,"Budgetformulier"]
[null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,null,null,null,null,"Oversluiten"]
[null,null,null,null,"Lineair",null,null,null,null,null,"WW uitvoer",null,null,null,null,null,"Aflosstand"]
[null,null,null,null,"Balans",null,null,null,null,null,null,null,null,null,null,null,"Rentemiddeling"]
[null,null,null,null,"Vrije keuze",null,null,null,null,null,"Overlijden uitvoer",null,null,null,null,null,"Rente tijdens de bouw"]
[null,null,null,null,null,null,null,null,null,null,"Overlijden vergelijk",null,null,null,null,null,"Verm.rendement heffing"]
[null,null,null,null,"ALBH",null,null,null,null,null,"Overlijden verloop"]
[null,null,null,null,"Huidige hypotheek",null,null,null,null,null,null,null,null,null,null,null,"Controle adviesbox"]
[null,null,null,null,null,null,null,null,null,null,"Scheiding uitvoer",null,null,null,null,null,"Gegevens klant"]
[null,null,null,null,"Voorstel HORIZONTAAL"]
[null,null,null,null,"Voorstel VERTICAAL",null,null,null,null,null,"Pensioen uitvoer"]
[]
[null,null,null,null,"Rentevergelijk"]
[null,null,null,null,"Netto betaald"]
[null,null,null,null,"Grafiek"]

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[]
[]
[null,null,"Situatie 1:  Voor 50% arbeidsgeschikt en 100% benutting van die restverdiencapaciteit"]
[]
[]
[null,null,{"$f":"AlgemeenOUD!C10","v":0},null,{"$f":"IF(AlgemeenOUD!C12>0,\"Uw onregelmatig inkomen vervalt de eerste 2 jaar: \",\" \")","v":" "},null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C12>0,AlgemeenOUD!C12,\" \")","v":" "},null,{"$f":"IF(AlgemeenOUD!C12>0,\"per jaar.\", \" \")","v":" "}]
[]
[]
[null,null,null,null,0.7,null,{"$f":"'AO uitvoer'!B12","v":0},null,null,null,"= per maand minder ad.",null,null,null,null,{"$f":"IF(AlgemeenOUD!C12>0,(C7+N7-G10)/12,(C7-G10)/12)","v":0}]
[null,null,null,null,{"$f":"C7*70%","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,{"$f":"AlgemeenOUD!C9","v":0},null,{"$f":"C18+1","v":1},null,{"$f":"E18+1","v":2},null,null,null,"?"]
[]
[]
[]
[null,null,"Situatie 2:  Voor 50% arbeidsgeschikt en 45% benutting van die restverdiencapaciteit"]
[]
[]
[null,null,{"$f":"AlgemeenOUD!C10","v":0},null,{"$f":"IF(AlgemeenOUD!C12>0,\"Uw onregelmatig inkomen vervalt de eerste 2 jaar: \",\" \")","v":" "},null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C12>0,AlgemeenOUD!C12,\" \")","v":" "},null,{"$f":"IF(AlgemeenOUD!C12>0,\"per jaar.\", \" \")","v":" "}]
[]
[]
[null,null,null,null,0.7]
[null,null,null,null,{"$f":"C25*70%","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"'AO uitvoer'!E12","v":10429.307280000001},null,"= per maand minder ad.",null,null,null,null,{"$f":"IF(AlgemeenOUD!C12>0,(C7+N7-K31)/12,(C7-K31)/12)","v":-869.10894000000008}]
[]
[]
[]
[]
[null,null,{"$f":"AlgemeenOUD!C9","v":0},null,{"$f":"C36+1","v":1},null,{"$f":"E36+1","v":2},null,null,null,"?"]
[]
[]
[]
[null,null,"Situatie 3:  Voor 50% arbeidsgeschikt en 0% benutting van die restverdiencapaciteit"]
[]
[]
[null,null,{"$f":"C25","v":0},null,{"$f":"IF(AlgemeenOUD!C12>0,\"Uw onregelmatig inkomen vervalt de eerste 2 jaar: \",\" \")","v":" "}]
[]
[]
[null,null,null,null,0.7]
[null,null,null,null,{"$f":"C43*70%","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"'Financiële Gegevens'!B5/2","v":14899.010400000001},null,"= per maand minder ad.",null,null,null,null,{"$f":"IF(AlgemeenOUD!C12>0,(C7+N7-K50)/12,(C7-K50)/12)","v":-1241.5842}]

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[]
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[null,"Naam 1e",{"$f":"'AO en WW'!C5","v":""},null,"Naam 2e",{"$f":"'AO en WW'!F5","v":0}]
[null,null,{"$f":"AlgemeenOUD!C8","v":"00:00:00"},null,null,{"$f":"AlgemeenOUD!F8","v":"00:00:00"}]
[null,null,1]
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[null,{"$f":"\"Nabestaandenpensioen voor \"&AlgemeenOUD!F6","v":"Nabestaandenpensioen voor 0"},{"$f":"Overlijden!E23","v":0},null,{"$f":"\"Nabestaandenpensioen voor \"&AlgemeenOUD!C6","v":"Nabestaandenpensioen voor "},{"$f":"Overlijden!M23","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Verzekering 1"]
[null,"Aanvullend:",null,null,"Aanvullend:",null,null,null,null,null,null,null,"Wie verzekerd?"]
[null,{"$f":"\"ANW regeling voor \"&AlgemeenOUD!F6","v":"ANW regeling voor 0"},null,null,{"$f":" \"ANW regeling voor \"&AlgemeenOUD!C6","v":"ANW regeling voor "},{"$f":"Overlijden!M26","v":0}]
[null,{"$f":"\"Compensatie sociale premies \"&AlgemeenOUD!F6","v":"Compensatie sociale premies 0"},{"$f":"Overlijden!E27","v":0},null,{"$f":" \"Compensatie sociale premies \"&AlgemeenOUD!C6","v":"Compensatie sociale premies "},{"$f":"Overlijden!M27","v":0},null,null,null,null,null,null,"Verzekering 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL","2e dekking",null,"Dalende",null,null,null,null,null,"Leven"]
[null,"Recht op wettelijk ANW ?",{"$f":"IF(Overlijden!B102=1,1,2)","v":1},null,"Recht op wettelijk ANW ?",{"$f":"IF(Overlijden!B103=1,1,2)","v":1},null,null,null,null,null,null,"Soort dekking"]
[null,"TOTAAL INKOMEN voor de CHF toetsing",{"$f":"'ORV advies'!B14","v":0},null,"TOTAAL INKOMEN voor de CHF toetsing",{"$f":"'ORV advies'!E14","v":0},null,null,null,null,null,null,"Dalings%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Correctie",{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK15,0)","v":0},{"$f":"AL15+AN15+AT15","v":0},{"$f":"'ORV verloop oud'!X19","v":0},{"$f":"IF(C$27>0,IF(F$29>=AO15,C$27,0))","v":false},{"$f":"IF(F$25>=AO15,C$22,0)","v":0},1,"Beiden",1,{"$f":"AN15","v":0},null,{"$f":"IF('Vrije Keuze'!BE$3=0,0,IF(OverlijdenOUD!AO15<='Vrije Keuze'!BE$3,'Vrije Keuze'!BA$3,0))","v":0}]
[null,"MAXIMALE HYPOTHEEK",{"$f":"'Maximale verstrekking'!M56","v":0},null,"Maximale hypotheek",{"$f":"'Maximale verstrekking'!N56","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bij het",{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK16,0)","v":0},{"$f":"AL16+AN16+AT16","v":0},{"$f":"'ORV verloop oud'!X20","v":0},{"$f":"IF(C$27>0,IF(F$29>=AO16,C$27,0))","v":false},{"$f":"IF(F$25>=AO16,C$22,0)","v":0},{"$f":"AO15+1","v":2},"Eerste aanvrager",2,null,null,{"$f":"IF('Vrije Keuze'!BE$3=0,0,IF(OverlijdenOUD!AO16<='Vrije Keuze'!BE$3,'Vrije Keuze'!BA$3,0))","v":0}]
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[null,"Hoogte hypotheeksom",{"$f":"AlgemeenOUD!C27","v":0},null,{"$f":"IF(AlgemeenOUD!C7=1,\"GEEN PARTNER !\",\"Hoogte hypotheeksom\")","v":"GEEN PARTNER !"},{"$f":"C18","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"van restschuld",{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK18,0)","v":0},0,{"$f":"'ORV verloop oud'!X22","v":0},false,0,4,null,null,null,null,{"$f":"IF('Vrije Keuze'!BE$3=0,0,IF(OverlijdenOUD!AO18<='Vrije Keuze'!BE$3,'Vrije Keuze'!BA$3,0))","v":0}]
[null,{"$f":"\"Advies \"&F5&\" te verzekeren voor\"","v":"Advies 0 te verzekeren voor"},{"$f":"IF(C16>=C18,\"Geen aanvullend advies\",C18-C16)","v":"Geen aanvullend advies"},null,{"$f":"IF(AlgemeenOUD!C7=1,\" \",\"Advies \"&C5&\" te verzekeren voor\")","v":" "},{"$f":"IF(AlgemeenOUD!F6<0,0,IF(F16>=F18,\"Geen aanvullend advies\",F18-F16))","v":"Geen aanvullend advies"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"of kredieten",{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK19,0)","v":0},0,{"$f":"'ORV verloop oud'!X23","v":0},false,0,5,{"$f":"IF(OR(Algemeen!E9=\"Met partner zonder inkomen\",Algemeen!E9=\"Met partner met inkomen\"),\"partner\",\"alleen\")","v":"alleen"},null,null,null,{"$f":"IF('Vrije Keuze'!BE$3=0,0,IF(OverlijdenOUD!AO19<='Vrije Keuze'!BE$3,'Vrije Keuze'!BA$3,0))","v":0}]
[null,{"$f":"IF(AlgemeenOUD!C7=1,\"Hier geen premie invullen !\",\"PREMIE ADVIESDEKKING\")","v":"Hier geen premie invullen !"},{"$f":"Overlijden!E39","v":0},null,{"$f":"IF(AlgemeenOUD!C7=1,\" \",\"PREMIE ADVIESDEKKING\")","v":" "},{"$f":"Overlijden!M39","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK20,0)","v":0},0,{"$f":"'ORV verloop oud'!X24","v":0},false,0,6,null,null,null,null,{"$f":"IF('Vrije Keuze'!BE$3=0,0,IF(OverlijdenOUD!AO20<='Vrije Keuze'!BE$3,'Vrije Keuze'!BA$3,0))","v":0}]
[null,{"$f":"IF(AlgemeenOUD!C7=1,\"MINIMALE verplichte DEKKING 1e aanvrager !!\",\"INVULLEN; \"&F5&\" in voorstel verzekerd voor:\")","v":"MINIMALE verplichte DEKKING 1e aanvrager !!"},{"$f":"Overlijden!E43","v":0},null,{"$f":"IF(AlgemeenOUD!C7=1,\" \",\"INVULLEN; \"&C5&\" in voorstel verzekerd voor:\")","v":" "},{"$f":"Overlijden!E43","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK21,0)","v":0},0,{"$f":"'ORV verloop oud'!X25","v":0},false,0,7,null,null,null,null,{"$f":"IF('Vrije Keuze'!BE$3=0,0,IF(OverlijdenOUD!AO21<='Vrije Keuze'!BE$3,'Vrije Keuze'!BA$3,0))","v":0}]
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{"sheet":"Scheiding uitvoer","index":154,"n_rows":36,"n_cols":17,"rows_kept":36,"cut":false,"hidden":true,"merged":[[0,0,0,8],[21,3,21,5],[23,3,23,5],[26,3,26,5],[19,0,19,8],[5,3,5,5],[7,3,7,5],[10,3,10,5],[8,3,8,5],[24,3,24,5],[7,7,7,8],[8,7,8,8],[34,0,34,2],[35,0,35,2],[34,3,34,5],[35,3,35,5],[3,0,3,8]]}
[]
[]
[]
[]
[]
["Toetsinkomen:",null,null,{"$f":"AlgemeenOUD!C12+AlgemeenOUD!C11+AlgemeenOUD!C10","v":0},null,null,null,null,null,null,null,null,null,null,false,"F"]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q8>0,\"Zonder financiering\",\"Geen financiering\")","v":"Geen financiering"},null,null,false,"B3","Krediet"]
["Verantwoorde hypotheeksom:",null,null,{"$f":"'Maximale verstrekking'!AF56","v":60128.714799105554},null,null,null,null,null,null,null,{"$f":"IF(Q11=0,\"Geen box 3 deel\",\"Zonder box 3 deel\")","v":"Geen box 3 deel"},null,null,null,null,{"$f":"'Maximale verstrekking'!AF17/12","v":0}]
["Gedragscode normlast per jaar",null,null,{"$f":"'Maximale verstrekking'!AF74","v":3362.09}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Box 3"]
[{"$f":"Pensioen!B39","v":"Hypotheek bij aanvang"},null,null,{"$f":"Pensioen!E39","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Maximale verstrekking'!AF15","v":0}]
[]
[]
["Resultaat:"]
[{"$f":"IF(D8>D11,\"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen alleen op uw naam krijgen.\",IF(D11>D8,\"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen NIET alleen op uw naam krijgen\",\" \"))","v":"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen alleen op uw naam krijgen."}]
[]
[]
[]
[]
[]
[]
["Toetsinkomen:",null,null,{"$f":"AlgemeenOUD!F12+AlgemeenOUD!F11+AlgemeenOUD!F10","v":0}]
[]
["Verantwoorde hypotheeksom:",null,null,{"$f":"'Maximale verstrekking'!AG56","v":0}]
["Gedragscode normlast per jaar",null,null,{"$f":"'Maximale verstrekking'!AG74","v":0}]
[]
[{"$f":"A11","v":"Hypotheek bij aanvang"},null,null,{"$f":"D11","v":0}]
[]
["Resultaat:"]
[{"$f":"IF(D27<D24,\"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen alleen op uw naam krijgen.\",IF(D24<D27,\"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen NIET alleen op uw naam krijgen.\",\"U hebt geen inkomen dus kunt u geen hypotheek op uw naam krijgen.\"))","v":"U hebt geen inkomen dus kunt u geen hypotheek op uw naam krijgen."}]
[]
[]
[]
[]
["Box 3 ",null,null,{"$f":"IF(Q11>0,Q11,\"Geen box 3 deel\")","v":"Geen box 3 deel"}]
[{"$f":"IF(Q8>0,\"Financiering pm\",\"Financiering\")","v":"Financiering"},null,null,{"$f":"IF(Q8>0,Q8,\"Geen financiering\")","v":"Geen financiering"}]

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[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Pensioen!M36=0,\" \",IF(E24>E23,\"Minder op pensioendatum\",IF(E23>E24,\"Meer op pensioendatum\")))","v":" "}]
[]
[{"$f":"AlgemeenOUD!C6","v":""},null,null,{"$f":"AlgemeenOUD!F6","v":0}]
[{"$f":"\"Huidige leeftijd \"&AlgemeenOUD!C9&\" jaar\"","v":"Huidige leeftijd 0 jaar"},null,null,{"$f":"\"Huidige leeftijd \"&AlgemeenOUD!F9&\" jaar\"","v":"Huidige leeftijd -1 jaar"}]
["Verwachte AOW leeftijd",{"$f":"Gegevens!A165","v":false},null,"Verwachte AOW leeftijd",{"$f":"IF(AlgemeenOUD!F6>\" \",Gegevens!D165,\" \")","v":" "}]
["Pensioeninkomen",null,null,"Pensioeninkomen"]
[]
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[{"$f":"Pensioen!B25","v":0},{"$f":"Pensioen!E25","v":0},null,{"$f":"Pensioen!J25","v":0},{"$f":"Pensioen!M25","v":0}]
[{"$f":"Pensioen!B26","v":0},{"$f":"Pensioen!E26","v":0},null,{"$f":"Pensioen!J26","v":0},{"$f":"Pensioen!M26","v":0}]
[{"$f":"Pensioen!B27","v":0},{"$f":"Pensioen!E27","v":0},null,{"$f":"Pensioen!J27","v":0},{"$f":"Pensioen!M27","v":0}]
[{"$f":"Pensioen!B28","v":0},{"$f":"Pensioen!E28","v":0},null,{"$f":"Pensioen!J28","v":0},{"$f":"Pensioen!M28","v":0}]
[{"$f":"'Pensioen 1e'!B36","v":"Volledige AOW"},null,null,{"$f":"IF(AlgemeenOUD!F6>\" \",'Pensioen 2e'!B35,\" \")","v":" "}]
[]
["Pensioen bruto jaarinkomen",{"$f":"SUM(B9:B15)","v":19777},null,"Pensioen bruto jaarinkomen",{"$f":"SUM(E9:E15)","v":13481}]
["Huidig bruto jaarinkomen",{"$f":"AlgemeenOUD!C13","v":19777},null,"Huidig bruto jaarinkomen",{"$f":"AlgemeenOUD!F13","v":0}]
[]
["Percentage laatste loon",{"$f":"B16/B17","v":1},null,{"$f":"IF(E17=0,\" \",\"Percentage laatste loon\")","v":" "},{"$f":"IF(AlgemeenOUD!F13>0,E16/E17,\" \")","v":" "}]
[]
[]
["OP netto pm incl. vakantiegeld",{"$f":"'Pensioen 1e'!J20","v":1560.4052999999999},null,"OP netto pm incl. vakantiegeld",{"$f":"'Pensioen 2e'!J19","v":1063.6509000000001}]
["Indicatie netto pm ex. Vakantiegeld",{"$f":"'Pensioen 1e'!J20","v":1560.4052999999999},null,"Indicatie netto pm ex. Vakantiegeld",{"$f":"'Pensioen 2e'!J19","v":1063.6509000000001}]
[{"$f":"IF(Pensioen!E36>0,\"Huidig netto inkomen\",0)","v":0},{"$f":"IF(Pensioen!E36>0,Pensioen!E36,0)","v":0},null,{"$f":"IF(Pensioen!M36>0,\"Huidig netto inkomen\",0)","v":0},{"$f":"IF(Pensioen!M36>0,Pensioen!M36,0)","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
["Totaal bruto pensioeninkomen ",null,null,{"$f":"'Maximale verstrekking'!O18+'Maximale verstrekking'!O19","v":19777}]
[]
[{"$f":"Pensioen!B39","v":"Hypotheek bij aanvang"},null,null,{"$f":"Pensioen!E39","v":0}]
[]
[{"$f":"IF(Pensioen!B98=TRUE,\"Hypotheek op AOW datum is keuze afhankelijk\",IF(PensioenOUD!C21=0,\"Uw hypotheek is afgelost op pensioendatum\",\"Uw hypotheekstand op pensioendatum\"))","v":"Uw hypotheek is afgelost op pensioendatum"},null,null,{"$f":"PensioenOUD!C21","v":0},null,null,"Looptijd in jaren",null,12]
[{"$f":"IF(Pensioen!F52>0,\"Uw maandlast verlaagt op AOW datum, u hebt dan afgelost\",\"U heb op AOW datum werkelijk afgelost (dus lagere mnd.last)\")","v":"U heb op AOW datum werkelijk afgelost (dus lagere mnd.last)"},null,null,{"$f":"IF(Pensioen!F52>0,Pensioen!F52,\"Niets\")","v":"Niets"}]
["Maandlast op pensioendatum behorend bij een hypotheek van",null,null,{"$f":"PensioenOUD!C23-PensioenOUD!C22","v":0}]
[]
["Verantwoorde hypotheek op pensioendatum (box 1)",null,null,"Gehanteerde toetsrente",{"$f":"AlgemeenOUD!E35","v":3.7999999999999999E-2}]
["Gedragscode: volledige aflossing",null,null,{"$f":"PensioenOUD!C26","v":65434.189634685456}]
["Seniorenregeling: alleen rente (tot 50% marktwaarde)",null,null,{"$f":"PensioenOUD!C28","v":96282.763157858601}]
["Bij aanvang opgegeven box 3 hypotheekdeel",null,null,{"$f":"IF(AlgemeenOUD!F29>0,AlgemeenOUD!F29,\"Geen\")","v":"Geen"}]
[]
["Verantwoorde hypotheek op pensioendatum (box 3)",null,null,"Gehanteerde toetsrente",{"$f":"E41","v":3.7999999999999999E-2},null,"Hoofsom",null,100000]
["Gedragscode: volledige aflossing",null,null,{"$f":"PensioenOUD!F26","v":63665.698022964025}]
["Gedragscode: alleen rente (tot 50% marktwaarde)",null,null,{"$f":"PensioenOUD!F28","v":93680.526315793802}]
[]
[{"$f":"IF(Pensioen!T20=TRUE,\"Kredietlast per maand op pensioendatum\",\" \")","v":" "},null,null,{"$f":"Pensioen!N39","v":0}]

{"sheet":"Pensioen 1e","index":156,"n_rows":42,"n_cols":256,"rows_kept":42,"cut":false,"hidden":true,"merged":[]}
[null,"Indicatie netto inkomen op pensioendatum.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,"                      (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[]
[]
[null,"Relatie",{"$f":"VLOOKUP(AlgemeenOUD!C7,Gegevens!A192:B194,2)&\" \"&AlgemeenOUD!C6","v":" "}]
[]
[null,"Huidig netto inkomen",{"$f":"AlgemeenOUD!#REF!","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!F6>0,\"U bent nu \"&AlgemeenOUD!C9&\" jaar en uw partner is \"&AlgemeenOUD!F9&\" jaar.\",\" \")","v":" "}]
[]
[null,"Bruto jaarinkomen op pensioendatum",{"$f":"'Pensioen uitvoer'!B16","v":19777},"(zie onderstaand overzicht)",null,null,null,null,null,{"$f":"C9","v":19777},"Inkomen",null,null,null,null,null,"Ouderenkorting",null,{"$f":"'Financiële Gegevens'!F48","v":58170}]
[null,"=> Dat is netto per maand:",{"$f":"J18","v":1648.0833333333333},"Exclusief premie eigen bijdrage zorgverzekeringswet en",null,null,null,null,null,{"$f":"S27","v":1735},"Algemene korting",null,"+1042",null,null,null,"Percentage",null,{"$f":"'Financiële Gegevens'!H48","v":0.15}]
[null,null,null,"exclusief voordeel van loonheffingskoringen.",null,null,null,null,null,{"$f":"IF(J9<O11,'Financiële Gegevens'!C46,0)","v":3362},"Korting indien inkomen kleiner dan",null,null,null,{"$f":"'Financiële Gegevens'!B46","v":24812},null,"inkomen",null,{"$f":"J9","v":19777}]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C7=1,'Financiële Gegevens'!C47,0)","v":524},"Alleenstaand",null,null,null,null,null,"Hoger dan ?",null,{"$f":"S11>S9","v":false}]
[null,null,null,null,null,null,null,null,null,{"$f":"S17","v":2010},"ouderenkorting",null,null,null,null,null,true,null,{"$f":"IF(S11>S9,(S11))","v":false}]
[null,{"$f":"IF(C10<C7,\"Terugval pm:\",\"Meer inkomen pensioendatum pm:\")","v":{"$error":"#REF!"}},{"$f":"C10-C7","v":{"$error":"#REF!"}},null,null,null,null,null,null,{"$f":"J9","v":19777},null,null,null,null,null,null,"Korting over",null,{"$f":"IF(S12=TRUE,S11-S9)","v":false}]
[null,null,null,null,null,null,null,null,null,{"$f":"MIN(J16,(S27+J13+J12))","v":3771.4739},"Korting totaal",null,null,null,null,null,"De korting is",null,{"$f":"S14*S10","v":0}]
[null,"Aanvulling netto inkomen; ongeacht of u een pensioentekort heeft of niet, indien u ook nog opbouwt aan uw ",null,null,null,null,null,null,null,{"$f":"G26","v":3771.4739},"Belasting",null,null,null,null,null,"Ouderenkorting",null,{"$f":"'Financiële Gegevens'!C48","v":2010}]
[null,"hypotheek dan verlaagt de opbouw op pensioendatum ook de hypotheeklast alsmede het feit dat de premie",null,null,null,null,null,null,null,{"$f":"J14-J16+J15","v":19777},"Bruto per jaar",null,null,null,null,null,"WERKELIJK",null,{"$f":"MAX(0,S16-S15)","v":2010}]
[null,"die wordt betaald geheel of gedeeltelijk vervalt ! Ook de aftrekbaarheid van de hypotheekrente is bepalend !",null,null,null,null,null,null,null,{"$f":"J17/12","v":1648.0833333333333},"Netto"]
[null,null,null,null,null,null,null,null,null,{"$f":"J14*O19/12","v":87.678033333333318},"Zorgverzekeringsbijdrage",null,null,null,{"$f":"'Financiële Gegevens'!B14","v":5.3199999999999997E-2},null,"Algemene heffingskorting"]
[null,"Uw belastbaar inkomen;","Van ","Tot","Belastingtarief",null,"Te betalen belasting",null,null,{"$f":"J18-J19","v":1560.4052999999999},"DFINITIEF",null,null,null,null,null,"Normaal",null,{"$f":"'Financiële Gegevens'!C45","v":1735}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Korting code 1",null,{"$f":"S20-((J9-U21)*V23)","v":1907.1970000000001},null,{"$f":"FG_Hefmin","v":24812},{"$f":"FG_Hefmax","v":75518},"Code 1"]
[null,"Schijf 1",{"$f":"'Financiële Gegevens'!A29","v":0},{"$f":"'Financiële Gegevens'!B29","v":20384},{"$f":"'Financiële Gegevens'!C29","v":0.19070000000000001},{"$f":"IF(J14<D22,J14*E22,D22*E22)","v":3771.4739},{"$f":"F22","v":3771.4739},null,null,null,null,null,null,null,null,null,"Korting code 2",null,0,null,">69398","= 0","Code 2"]
[null,"Schijf 2",{"$f":"'Financiële Gegevens'!A30","v":20385},{"$f":"'Financiële Gegevens'!B30","v":38089},{"$f":"'Financiële Gegevens'!C30","v":0.19070000000000001},{"$f":"IF(J14<C23,0,IF(J14>D23,(D23-C23)*E23,(J14-C23)*E23))","v":0},{"$f":"F23","v":0},null,null,null,null,null,null,null,null,null,"Keuze",null,null,null,"Percentage",{"$f":"'Financiële Gegevens'!I46","v":3.4200000000000001E-2}]
[null,"Schijf 3",{"$f":"'Financiële Gegevens'!A31","v":38090},{"$f":"'Financiële Gegevens'!B31","v":75518},{"$f":"'Financiële Gegevens'!C31","v":0.36969999999999997},{"$f":"IF(J14>D24,(D24-C24)*E24,IF(J14>C24,(J14-C24)*E24,0))","v":0},{"$f":"F24","v":0},null,null,null,null,null,null,null,null,null,"Inkomen lager dan 21",null,{"$f":"IF(J9<=U21,S20,0)","v":1735}]
[null,null,{"$f":"'Financiële Gegevens'!A32","v":75519},{"$f":"'Financiële Gegevens'!B32","v":12000000},{"$f":"'Financiële Gegevens'!C32","v":0.495},{"$f":"IF(J14<C25,0,(J14-C25)*E25)","v":0},{"$f":"F25","v":0},null,null,null,null,null,null,null,null,null,"Inkomen tussen",null,{"$f":"IF(AND(J9>U21,J9<V21),S21,0)","v":0}]
[null,null,null,null,"Belasting per jaar:",null,{"$f":"SUM(G22:G25)","v":3771.4739},null,null,null,null,null,null,null,null,null,"Inkomen hoger",null,{"$f":"IF(J9>V21,0,0)","v":0}]
[null,null,null,null,null,{"$f":"SUM(F22:F26)","v":3771.4739},null,null,{"$f":"'Financiële Gegevens'!L39","v":2024},"Huidig jaartal",null,null,null,null,null,null,"TOTAAL",null,{"$f":"SUM(S24:S26)","v":1735}]
[null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!C9","v":0},"Huidige leeftijd"]
[null,"Overzicht PENSIOEN inkomen",null,null,null,null,null,null,{"$f":"65-I28","v":65},"Over dit aantal jaar is hij 65"]
[null,{"$f":"IF(PensioenOUD!B10>\" \",PensioenOUD!B10,\" \")","v":" "},{"$f":"PensioenOUD!C10","v":0},null,"Gezien uw huidige leeftijd zult u de AOW",null,null,null,{"$f":"(2020-I27)+I28","v":-4},"Leeftijd in 2020"]
[null,{"$f":"IF(PensioenOUD!B11>\" \",PensioenOUD!B11,\" \")","v":" "},{"$f":"PensioenOUD!C11","v":0},null,{"$f":"\"uitkering ontvangen op \"&I34&\" jarige leeftijd.\"","v":"uitkering ontvangen op 67 jarige leeftijd."},null,null,null,{"$f":"(2025-I27)+I28","v":1},"Leeftijd in 2025"]
[null,{"$f":"IF(PensioenOUD!B12>\" \",PensioenOUD!B12,\" \")","v":" "},{"$f":"PensioenOUD!C12","v":0},null,null,null,null,null,{"$f":"I29+I27","v":2089},"In welk jaar 65 ?"]
[null,{"$f":"IF(PensioenOUD!B13>\" \",PensioenOUD!B13,\" \")","v":" "},{"$f":"PensioenOUD!C13","v":0}]
[null,"U heeft recht op AOW vanuit de overheid:",null,null,null,null,null,null,{"$f":"IF(AND(I32>2019,I32<2026),66,IF(I32>=2025,67,65))","v":67},"Welke leeftijd AOW ?"]
[null,{"$f":"IF(PensioenOUD!C14=2,Gegevens!A66,IF(PensioenOUD!C14=3,Gegevens!A67,\" \"))","v":"AOW alleenstaanden"},{"$f":"IF(PensioenOUD!C14=2,Gegevens!B66,IF(PensioenOUD!C14=3,Gegevens!B67,\" \"))","v":19777}]
[null,{"$f":"IF(PensioenOUD!C16=1,\"Volledige AOW\",\"Onvolledige AOW\")","v":"Volledige AOW"}]
[]
[null,"TOTAAL",{"$f":"SUM(C30:C35)","v":19777}]
[]
[null,"Cijfers 2011:"]
[null,{"$f":"'Financiële Gegevens'!A13","v":"AOW gehuwd/samenwonend, p.p."},{"$f":"'Financiële Gegevens'!B13","v":13481}]
[null,{"$f":"'Financiële Gegevens'!A12","v":"AOW alleenstaand"},{"$f":"'Financiële Gegevens'!B12","v":19777}]

{"sheet":"Pensioen 2e","index":157,"n_rows":41,"n_cols":256,"rows_kept":41,"cut":false,"hidden":true,"merged":[]}
[null,"Indicatie netto inkomen op pensioendatum.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,"                      (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[]
[]
[null,"Relatie",{"$f":"VLOOKUP(AlgemeenOUD!F7,Gegevens!D192:E194,2)&\" \"&AlgemeenOUD!F6","v":{"$error":"#N/A"}}]
[]
[null,"Huidig netto inkomen",{"$f":"AlgemeenOUD!#REF!","v":{"$error":"#REF!"}},{"$f":"IF(AlgemeenOUD!F6>0,\"U bent nu \"&AlgemeenOUD!F9&\" jaar en uw partner is \"&AlgemeenOUD!C9&\" jaar.\",\" \")","v":" "}]
[]
[null,"Bruto jaarinkomen op pensioendatum",{"$f":"'Pensioen uitvoer'!E16","v":13481},"(zie onderstaand overzicht)",null,null,null,null,null,{"$f":"C9","v":13481},"Inkomen",null,null,null,null,null,"Ouderenkorting",null,{"$f":"'Financiële Gegevens'!F48","v":58170}]
[null,"=> Dat is netto per maand:",{"$f":"J17","v":1123.4166666666667},"Exclusief premie eigen bijdrage zorgverzekeringswet en",null,null,null,null,null,{"$f":"'Pensioen 1e'!J10","v":1735},"Algemene korting",null,null,null,null,null,"Percentage",null,{"$f":"'Financiële Gegevens'!H48","v":0.15}]
[null,null,null,"exclusief voordeel van loonheffingskoringen.",null,null,null,null,null,{"$f":"IF(J9<O11,'Financiële Gegevens'!C46,0)","v":3362},"Korting indien inkomen kleiner dan",null,null,null,{"$f":"'Financiële Gegevens'!B46","v":24812},null,"inkomen",null,{"$f":"J9","v":13481}]
[null,null,null,null,null,null,null,null,null,{"$f":"S17","v":2010},"Ouderenkorting",null,null,null,null,null,"Hoger dan ?",null,{"$f":"S11>S9","v":false}]
[null,{"$f":"IF(C10<C7,\"Terugval pm:\",\"Meer inkomen pensioendatum pm:\")","v":{"$error":"#REF!"}},{"$f":"C10-C7","v":{"$error":"#REF!"}},null,null,null,null,null,null,{"$f":"J9","v":13481},null,null,null,null,null,null,true,null,{"$f":"IF(S11>S9,(S11))","v":false}]
[null,null,null,null,null,null,null,null,null,{"$f":"MIN(J15,(S27+J12))","v":2570.8267000000001},"Korting totaal",null,null,null,null,null,"Korting over",null,{"$f":"IF(S12=TRUE,S11-S9)","v":false}]
[null,"Aanvulling netto inkomen; ongeacht of u een pensioentekort heeft of niet, indien u ook nog opbouwt aan uw ",null,null,null,null,null,null,null,{"$f":"G25","v":2570.8267000000001},"Belasting",null,null,null,null,null,"De korting is",null,{"$f":"S14*S10","v":0}]
[null,"hypotheek dan verlaagt de opbouw op pensioendatum ook de hypotheeklast alsmede het feit dat de premie",null,null,null,null,null,null,null,{"$f":"J13-J15+J14","v":13481},"Bruto per jaar",null,null,null,null,null,"Ouderenkorting",null,{"$f":"'Financiële Gegevens'!C48","v":2010}]
[null,"die wordt betaald geheel of gedeeltelijk vervalt ! Ook de aftrekbaarheid van de hypotheekrente is bepalend !",null,null,null,null,null,null,null,{"$f":"J16/12","v":1123.4166666666667},"Netto",null,null,null,null,null,"WERKELIJK",null,{"$f":"MAX(0,S16-S15)","v":2010}]
[null,null,null,null,null,null,null,null,null,{"$f":"J13*O18/12","v":59.765766666666657},"Zorgverzekeringsbijdrage",null,null,null,{"$f":"'Pensioen 1e'!O19","v":5.3199999999999997E-2}]
[null,"Uw belastbaar inkomen;","Van ","Tot","Belastingtarief",null,"Te betalen belasting",null,null,{"$f":"J17-J18","v":1063.6509000000001},"DEFINITIEF",null,null,null,null,null,"Algemene heffingskorting"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Normaal",null,{"$f":"'Financiële Gegevens'!C45","v":1735}]
[null,"Schijf 1",{"$f":"'Financiële Gegevens'!A29","v":0},{"$f":"'Financiële Gegevens'!B29","v":20384},{"$f":"'Financiële Gegevens'!C29","v":0.19070000000000001},{"$f":"IF(J13<D21,J13*E21,D21*E21)","v":2570.8267000000001},{"$f":"F21","v":2570.8267000000001},null,null,null,null,null,null,null,null,null,"Korting code 1",null,{"$f":"S20-((J9-U21)*V23)","v":2122.5201999999999},null,{"$f":"'Pensioen 1e'!U21","v":24812},{"$f":"'Pensioen 1e'!V21","v":75518},"Code 1"]
[null,"Schijf 2",{"$f":"'Financiële Gegevens'!A30","v":20385},{"$f":"'Financiële Gegevens'!B30","v":38089},{"$f":"'Financiële Gegevens'!C30","v":0.19070000000000001},{"$f":"IF(J13<C22,0,IF(J13>D22,(D22-C22)*E22,(J13-C22)*E22))","v":0},{"$f":"F22","v":0},null,null,null,null,null,null,null,null,null,"Korting code 2",null,0,null,{"$f":"'Pensioen 1e'!U22","v":">69398"},"= 0","Code 2"]
[null,"Schijf 3",{"$f":"'Financiële Gegevens'!A31","v":38090},{"$f":"'Financiële Gegevens'!B31","v":75518},{"$f":"'Financiële Gegevens'!C31","v":0.36969999999999997},{"$f":"IF(J13>D23,(D23-C23)*E23,IF(J13>C23,(J13-C23)*E23,0))","v":0},{"$f":"F23","v":0},null,null,null,null,null,null,null,null,null,"Keuze",null,null,null,"Percentage",{"$f":"'Financiële Gegevens'!I46","v":3.4200000000000001E-2}]
[null,null,{"$f":"'Financiële Gegevens'!A32","v":75519},{"$f":"'Financiële Gegevens'!B32","v":12000000},{"$f":"'Financiële Gegevens'!C32","v":0.495},{"$f":"IF(J13<C24,0,(J13-C24)*E24)","v":0},{"$f":"F24","v":0},null,null,null,null,null,null,null,null,null,"Inkomen lager dan 21",null,{"$f":"IF(J9<=U21,S20,0)","v":1735}]
[null,null,null,null,"Belasting per jaar:",null,{"$f":"SUM(G21:G24)","v":2570.8267000000001},null,{"$f":"'Pensioen 1e'!I27","v":2024},"Huidig jaartal",null,null,null,null,null,null,"Inkomen tussen",null,{"$f":"IF(AND(J9>U21,J9<V21),S21,0)","v":0}]
[null,null,null,null,null,{"$f":"SUM(F21:F25)","v":2570.8267000000001},null,null,{"$f":"AlgemeenOUD!F9","v":-1},"Huidige leeftijd",null,null,null,null,null,null,"Inkomen hoger",null,{"$f":"IF(J9>V21,0,0)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"65-I26","v":66},"Over dit aantal jaar is hij 65",null,null,null,null,null,null,"TOTAAL",null,{"$f":"SUM(S24:S26)","v":1735}]
[null,"Overzicht PENSIOEN inkomen",null,null,null,null,null,null,{"$f":"(2020-I25)+I26","v":-5},"Leeftijd in 2020"]
[null,{"$f":"IF(PensioenOUD!E10>\" \",PensioenOUD!E10,\" \")","v":" "},{"$f":"PensioenOUD!F10","v":0},null,"Gezien uw huidige leeftijd zult u de AOW",null,null,null,{"$f":"(2025-I25)+I26","v":0},"Leeftijd in 2025"]
[null,{"$f":"IF(PensioenOUD!E11>\" \",PensioenOUD!E11,\" \")","v":" "},{"$f":"PensioenOUD!F11","v":0},null,{"$f":"\"uitkering ontvangen op \"&I32&\" jarige leeftijd.\"","v":"uitkering ontvangen op 67 jarige leeftijd."},null,null,null,{"$f":"I27+I25","v":2090},"In welk jaar 65 ?"]
[null,{"$f":"IF(PensioenOUD!E12>\" \",PensioenOUD!E12,\" \")","v":" "},{"$f":"PensioenOUD!F12","v":0}]
[null,{"$f":"IF(PensioenOUD!E13>\" \",PensioenOUD!E13,\" \")","v":" "},{"$f":"PensioenOUD!F13","v":0},null,null,null,null,null,{"$f":"IF(AND(I30>2019,I30<2026),66,IF(I30>=2025,67,65))","v":67},"Welke leeftijd AOW ?"]
[null,"U heeft recht op AOW vanuit de overheid:"]
[null,{"$f":"IF(PensioenOUD!F14=2,Gegevens!A66,IF(PensioenOUD!F14=3,Gegevens!A67,\" \"))","v":" "},{"$f":"Gegevens!E67","v":13481}]
[null,{"$f":"IF(PensioenOUD!F16=1,\"Volledige AOW\",\"Onvolledige AOW.\")","v":"Volledige AOW"}]
[]
[null,"TOTAAL",{"$f":"SUM(C29:C34)","v":13481}]
[]
[null,"Cijfers 2011:"]
[null,{"$f":"'Financiële Gegevens'!A13","v":"AOW gehuwd/samenwonend, p.p."},{"$f":"'Financiële Gegevens'!B13","v":13481}]
[null,{"$f":"'Financiële Gegevens'!A12","v":"AOW alleenstaand"},{"$f":"'Financiële Gegevens'!B12","v":19777}]

{"sheet":"Afbouwverplichting pensioen","index":158,"n_rows":55,"n_cols":23,"rows_kept":55,"cut":false,"hidden":true,"merged":[[5,12,5,14],[5,15,5,16],[6,12,6,14],[6,15,6,16],[1,7,1,16],[4,12,4,14],[4,15,4,16],[2,7,2,16],[9,15,9,16],[11,9,11,16],[15,15,15,16],[7,12,7,14],[7,15,7,16],[8,15,8,16],[55,9,55,12],[21,21,21,22],[21,24,21,25],[22,21,22,22],[22,24,22,25],[23,21,23,22],[23,24,23,25],[24,21,24,22],[24,24,24,25],[25,21,25,26],[53,9,53,12],[54,9,54,12]]}
[]
[null,null,null,null,null,null,null,"Afbouw o.b.v. annuïteit t.a.v. pensioen",null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,", "]
[]
[null,null,null,null,null,null,null,null,"Hypotheeksom",null,null,{"$f":"PensioenOUD!F21","v":-65434.189634685456},"Looptijd in maanden",null,null,{"$f":"'Maximale verstrekking'!O67","v":0},null,null,null,2.2499999999999999E-2]
[null,null,null,null,null,null,null,null,"Deel niet aftrekbaar",null,null,null,"Belastingtarief",null,null,{"$f":"'Controle berekening'!H4","v":0.36969999999999997},null,null,null,null,null,"Annuiteit",{"$f":"PensioenOUD!F22","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,"Rentepercentage",null,null,{"$f":"uw_gekozen_rente","v":3.7999999999999999E-2},"Aantal jaar rentevast",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,null,"Jaren",{"$f":"P5/12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afronden",{"$f":"W7-INT(W7)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jaren beneden",{"$f":"FLOOR(W7,1)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jaar extra?",{"$f":"IF(W8>0.499999999999999,1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal jaren",{"$f":"W10+W9","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Laatste jaar",{"$f":"W11","v":0}]
[]
[null,null,null,null,null,null,null,null,"Belasting 2008"]
[null,null,null,null,null,null,null,null,{"$f":"Gegevens!B299","v":0.1835}]
[]
[null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C7>1,\"Lft 1e\",\" \")","v":" "},"Jaar","Beginschuld",null,"Rente","Aflossing","Eindschuld",null,"Bruto pm","Netto pm"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Teruggave"]
[null,null,null,null,null,null,1,{"$f":"IF(AlgemeenOUD!C7>1,AlgemeenOUD!C9,\" \")","v":" "},1,{"$f":"IF(I19=1,L$5)","v":-65434.189634685456},{"$f":"IF(I19=0,0,IF(I19=1,L5,\" \"))","v":-65434.189634685456},{"$f":"IF(I19=1,W$6*12-M19)","v":{"$error":"#NUM!"}},{"$f":"IF(I19=I18+1,J19-N19,\" \")","v":{"$error":"#NUM!"}},{"$f":"IF(I19=1,O19,\" \")","v":{"$error":"#NUM!"}},{"$f":"MAX(0,FV(L$7/12,I19*12,W$6,-L$5))","v":{"$error":"#NUM!"}},{"$f":"IF(I19>=1,W6,0)","v":{"$error":"#NUM!"}},{"$f":"P19-T19","v":{"$error":"#NUM!"}},0,0,{"$f":"MAX(0,(L19-(L$6*L$7))/12*P$6)","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,{"$f":"G19+1","v":2},{"$f":"IF(AND(AlgemeenOUD!C$7>1,I20>0),H19+1,\" \")","v":" "},{"$f":"IF(W11>=2,2,0)","v":0},{"$f":"IF(I20=I19+1,O19,0)","v":0},{"$f":"IF(I20=0,0,MAX(0,IF(I20=I19+1,O19,\" \")))","v":0},{"$f":"IF(AND(I20=I19+1,W$12=I20),W$6*(12*W$8)-M20,IF(I20=I19+1,W$6*12-M20,0))","v":0},{"$f":"IF(I20=I19+1,J20-N20,\" \")","v":" "},{"$f":"IF(I20=I19+1,O20,0)","v":0},{"$f":"MAX(0,FV(L$7/12,I20*12,W$6,-L$5,0))","v":{"$error":"#NUM!"}},{"$f":"IF(I20>=I19+1,W$6,0)","v":0},{"$f":"P20-T20","v":0},0,0,{"$f":"MAX(0,(L20-(L$6*L$7))/12*P$6)","v":0}]
[null,null,null,null,null,null,{"$f":"G20+1","v":3},{"$f":"IF(AND(AlgemeenOUD!C$7>1,I21>0),H20+1,\" \")","v":" "},{"$f":"IF(W11>=3,3,0)","v":0},{"$f":"IF(I21=I20+1,O20,0)","v":0},0,0," ",{"$f":"IF(I21=I20+1,O21,0)","v":0},{"$f":"IF(I21>0,(MAX(0,FV(L$7/12,I21*12,W$6,-L$5,0))))","v":false},{"$f":"IF(I21>=I20+1,W$6,0)","v":0},0,0,0,0]
[null,null,null,null,null,null,4,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I22>0),H21+1,\" \")","v":" "},{"$f":"IF(W11>=4,4,0)","v":0},0,0,0," ",0,false,0,0,0,0,0]
[null,null,null,null,null,null,5,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I23>0),H22+1,\" \")","v":" "},{"$f":"IF(W11>=5,5,0)","v":0},0,0,0," ",0,false,0,0,0,0,0]
[null,null,null,null,null,null,6,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I24>0),H23+1,\" \")","v":" "},{"$f":"IF(W11>=6,6,0)","v":0},0,0,0," ",0,false,0,0,0,0,0]
[null,null,null,null,null,null,7,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I25>0),H24+1,\" \")","v":" "},{"$f":"IF(W11>=7,7,0)","v":0},0,0,0," ",0,false,0,0,0,0,0]
[null,null,null,null,null,null,8,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I26>0),H25+1,\" \")","v":" "},{"$f":"IF(W11>=8,8,0)","v":0},0,0,0," ",0,false,0,0,0,0,0]
[null,null,null,null,null,null,9,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I27>0),H26+1,\" \")","v":" "},{"$f":"IF(W11>=9,9,0)","v":0},0,0,0," ",0,false,0,0,0,0,0]
[null,null,null,null,null,null,10,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I28>0),H27+1,\" \")","v":" "},{"$f":"IF(W11>=10,10,0)","v":0},0,0,0," ",0,false,0,0,0,0,0]
[null,null,null,null,null,null,11,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I29>0),H28+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,12,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I30>0),H29+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,13,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I31>0),H30+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,14,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I32>0),H31+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,15,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I33>0),H32+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,16,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I34>0),H33+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,17,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I35>0),H34+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,18,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I36>0),H35+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,19,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I37>0),H36+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,20,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I38>0),H37+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,21,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I39>0),H38+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,22,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I40>0),H39+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,{"$f":"G40+1","v":23},{"$f":"IF(AND(AlgemeenOUD!C$7>1,I46>0),H40+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,24,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I47>0),H46+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,25,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I48>0),H47+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,26,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I49>0),H48+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,27,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I50>0),H49+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,28,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I51>0),H50+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,29,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I52>0),H51+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,30,{"$f":"IF(AND(AlgemeenOUD!C$7>1,I53>0),H52+1,\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]

{"sheet":"WW 1e","index":159,"n_rows":37,"n_cols":256,"rows_kept":37,"cut":false,"hidden":true,"merged":[[26,0,26,1],[26,3,26,5],[34,3,34,4],[11,4,11,5]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[{"$f":"IF(AlgemeenOUD!F6>0,\"Inkomen bij werkloosheid alleen 1e aanvrager\",\"        Inkomen bij werkloosheid\")","v":"        Inkomen bij werkloosheid"}]
["      (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[]
[]
[]
["Relatie",{"$f":"VLOOKUP(AlgemeenOUD!C7,Gegevens!A192:B194,2)&\" \"&AlgemeenOUD!C6","v":" "}]
[]
["Leeftijd",{"$f":"AlgemeenOUD!C9","v":0}]
[]
["Inkomen uit dienstverband",{"$f":"((AlgemeenOUD!C10+AlgemeenOUD!C11+AlgemeenOUD!C12))","v":0}]
[]
["Maximum maandloon WW",{"$f":"'Financiële Gegevens'!B1","v":71628},"(Maximale WW grondslag)"]
[]
[]
["WW Inkomen"]
[{"$f":"IF(AlgemeenOUD!C9>61,\"Tot maximaal 65 jaar !\",\" \")","v":" "},"Looptijd"]
["Aantal maanden 75 %",{"$f":"IF('AO en WW'!C21=5,0,(IF('AO en WW'!C21=3,0,IF('AO en WW'!C21=4,2,IF('AO en WW'!C21=2,2,0)))))","v":2}]
["Aantal maanden 70 %",{"$f":"IF('AO en WW'!C21=5,0,(IF('AO en WW'!C21=3,0,IF('AO en WW'!C21=2,1,IF('AO en WW'!C21=4,Gegevens!B220-2,0)))))","v":1}]
[]
[{"$f":"IF('AO en WW'!C21=4,\"Volgens onze informatie voldoet u aan de weken- en jareneis, de WW uitkering is maximaal.\",IF('AO en WW'!C21=3,\"U heeft geen recht op een WW uitkering volgens onze gegevens want u voldoet niet aan de minimale eisen.\",IF('AO en WW'!C21=2,\"U heeft alleen recht op maximaal 3 maanden uitkering daar u enkel voldoet aan de wekeneis.\",IF('AO en WW'!C21=5,\"U voldoet niet aan de weken- of jareneis en u ontvangt derhalve geen WW uitkering\",\" \"))))","v":"U heeft alleen recht op maximaal 3 maanden uitkering daar u enkel voldoet aan de wekeneis."}]
[]
["De looptijd van de uitkering is gebaseerd op leeftijd alsmede de jaren- en wekeneis."]
[]
["Let wel; na de looptijd van de WW uitkering is de terugval nog groter !"]
[]
["Inkomensbescherming",null,null,"Woonlastenbescherming"]
[null,"Inkomen",null,null,"Hypotheek","Inkomen"]
["Voor WW",{"$f":"'AO 1e'!J36","v":0},null,"Voor WW",{"$f":"'AO 1e'!M36","v":0},{"$f":"'AO 1e'!N36","v":19777}]
["Bij WW",{"$f":"'AO 1e'!J37","v":0},null,"Bij WW",{"$f":"'AO 1e'!M37","v":0},{"$f":"'AO 1e'!N37","v":0}]
["Nodig",{"$f":"'AO 1e'!J38","v":0},null,"Nodig",{"$f":"'AO 1e'!M38","v":0},{"$f":"'AO 1e'!N38","v":"X"}]
["Resultaat",{"$f":"'AO 1e'!J39","v":0},null,null,"Resultaat",{"$f":"IF(E30>=E31,\"Toereikend\",(F31-F30)/12)","v":"Toereikend"}]
["Netto ",{"$f":"B32*58%","v":0},null,null,"Netto",{"$f":"IF(E30>=E31,\"N.V.T.\",F32*58%)","v":"N.V.T."}]
["WW pm",{"$f":"'AO en WW'!C29","v":"X"},null,null,"WW pm",{"$f":"IF(E30>E31,\"N.V.T.\",'AO en WW'!C34)","v":"X"}]
[null,null,null,"Gehanteerde toetsrente",null,{"$f":"'AO 1e'!N42","v":3.7999999999999999E-2}]
[]
["De premie is NIET opgenomen in de hypotheeklasten."]

{"sheet":"WW 2e","index":160,"n_rows":37,"n_cols":256,"rows_kept":37,"cut":false,"hidden":true,"merged":[[11,4,11,5],[26,0,26,1],[26,3,26,5],[34,3,34,4]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[{"$f":"IF(AlgemeenOUD!F6>0,\"Inkomen bij werkloosheid alleen 2e aanvrager\",\"        Inkomen bij werkloosheid\")","v":"        Inkomen bij werkloosheid"}]
["      (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[]
[]
[]
["Relatie",{"$f":"VLOOKUP(AlgemeenOUD!F7,Gegevens!D192:E194,2)&\" \"&AlgemeenOUD!F6","v":{"$error":"#N/A"}}]
[]
["Leeftijd",{"$f":"AlgemeenOUD!C9","v":0}]
[]
["Inkomen uit dienstverband",{"$f":"((AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12))","v":0}]
[]
["Maximum maandloon WW",{"$f":"'Financiële Gegevens'!B1","v":71628},"(Maximale WW grondslag)"]
[]
[]
["WW Inkomen"]
[{"$f":"IF(AlgemeenOUD!C9>61,\"Tot maximaal 65 jaar !\",\" \")","v":" "},"Looptijd"]
["Aantal maanden 75 %",{"$f":"IF('AO en WW'!F21=5,0,(IF('AO en WW'!F21=3,0,IF('AO en WW'!F21=2,2,IF('AO en WW'!F21=4,2,0)))))","v":0}]
["Aantal maanden 70 %",{"$f":"IF('AO en WW'!F21=5,0,(IF('AO en WW'!F21=3,0,IF('AO en WW'!F21=2,1,IF('AO en WW'!F21=4,Gegevens!E220-2,0)))))","v":0}]
[]
[{"$f":"IF('AO en WW'!C21=4,\"Volgens onze informatie voldoet u aan de weken- en jareneis, de WW uitkering is maximaal.\",IF('AO en WW'!C21=3,\"U heeft geen recht op een WW uitkering volgens onze gegevens want u voldoet niet aan de minimale eisen.\",IF('AO en WW'!C21=2,\"U heeft alleen recht op maximaal 3 maanden uitkering daar u enkel voldoet aan de wekeneis.\",IF('AO en WW'!C21=5,\"U voldoet niet aan de weken- of jareneis en u ontvangt derhalve geen WW uitkering\",\" \"))))","v":"U heeft alleen recht op maximaal 3 maanden uitkering daar u enkel voldoet aan de wekeneis."}]
[]
["De looptijd van de uitkering is gebaseerd op leeftijd alsmede de jaren- en wekeneis."]
[]
["Let wel; na de looptijd van de WW uitkering is de terugval nog groter !"]
[]
["Inkomensbescherming",null,null,"Woonlastenbescherming"]
[null,"Inkomen",null,null,"Hypotheek","Inkomen"]
["Voor WW",{"$f":"'AO 2e'!J36","v":0},null,"Voor WW",{"$f":"'AO 2e'!M36","v":0},{"$f":"'AO 2e'!N36","v":0}]
["Bij WW",{"$f":"'AO 2e'!J37","v":0},null,"Bij WW",{"$f":"'AO 2e'!M37","v":60128.714799106216},{"$f":"'AO 2e'!N37","v":{"$error":"#REF!"}}]
["Nodig",{"$f":"'AO 2e'!J38","v":0},null,"Nodig",{"$f":"'AO 2e'!M38","v":0},{"$f":"'AO 2e'!N38","v":"X"}]
["Resultaat",{"$f":"'AO 2e'!J39","v":0},null,null,"Resultaat",{"$f":"IF(E30>=E31,\"Toereikend\",(F31-F30)/12)","v":"Toereikend"}]
["Netto ",{"$f":"B32*58%","v":0},null,null,"Netto",{"$f":"IF(E30>=E31,\"N.V.T.\",F32*58%)","v":"N.V.T."}]
["WW pm",{"$f":"'AO en WW'!F29","v":"X"},null,null,"WW pm",{"$f":"IF(E30>E31,\"N.V.T.\",'AO en WW'!C34)","v":"N.V.T."}]
[null,null,null,"Gehanteerde toetsrente",null,{"$f":"'AO 1e'!N42","v":3.7999999999999999E-2}]
[]
["De premie is NIET opgenomen in de hypotheeklasten."]

{"sheet":"AO 1e","index":161,"n_rows":58,"n_cols":256,"rows_kept":58,"cut":false,"hidden":true,"merged":[[41,11,41,12],[15,11,15,13],[12,11,12,13],[12,0,12,3],[12,5,12,9],[16,5,16,6],[15,5,15,6],[15,8,15,9],[5,7,5,12],[10,0,10,13],[11,0,11,13],[33,11,33,13],[14,5,14,6],[14,8,14,9],[33,8,33,9],[33,0,33,6],[13,11,13,13],[13,5,13,9]]}
[null,null,null,{"$f":"IF(AlgemeenOUD!F6>0,\"Overzicht alleen 1e aanvrager arbeidsongeschikt\",\"        Overzicht bij arbeidsongeschiktheid\")","v":"        Overzicht bij arbeidsongeschiktheid"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,"                                                         (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[null,null,null,null,null,{"$f":"VLOOKUP(AlgemeenOUD!C7,Gegevens!A192:B194,2)&\" \"&AlgemeenOUD!C6","v":" "}]
[null,"Let op !!",null,null,null,"Percentage AO","INVOER!D8/100"]
["Grondslag voor de berekening van het AO inkomen is het",null,null,null,null,"Inkomen",{"$f":"AlgemeenOUD!C10+AlgemeenOUD!C11","v":0},"(Vaste loonbestanddelen)"]
["totale inkomen van het afgelopen jaar. Het maximaal ver-",null,null,null,null,"Overwerk/ORT",{"$f":"AlgemeenOUD!C12","v":0},"(Dit inkomen vervalt direct het 1e ziektejaar)"]
["zekerd sociale loon is:",null,null,null,null,"Maximum loon",{"$f":"B53","v":0},"(Maximaal verzekerd inkomen vanaf de loonaanvullingsuitkering)"]
[null,{"$f":"'Financiële Gegevens'!B1","v":71628},null,null,null,"Terugval jaar 2 pm",{"$f":"((G5+G6)-(G5*70%))/12","v":0},"(WG betaalt (?) 1e jaar 100 %, 2e jaar 70%)"]
[]
[]
["Er dient in de 36 weken voorafgaand minimaal 26 weken te zijn gewerkt en de laatste 5 jaar tenminste 4 jaar 52 dagen per jaar. De looptijd van de loongerelateerde uitkering is afhankelijk van het"]
["arbeidsverleden en duurt minimaal 3 maanden en maximaal 38 maanden. "]
["< 35% AO",null,null,null,null,"35 - 80%",null,null,null,null,null,"80 - 100%"]
[null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C9>62,\"Tot maximaal 65 jaar !\",\" \")","v":" "},null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C9>62,\"Tot maximaal 65 jaar !\",\" \")","v":" "}]
[null,null,null,null,null,"\"Beroeps arbeidsongeschiktheid\"",null,null,"\"Passende arbeid\""]
[null,null,null,null,null,"Loongerelateerde uitkering",null,null,"Loonaanvullingsuitkering",null,null,"IVA"]
[null,null,null,null,null,{"$f":"\"Duur is \"&'WW 1e'!B18+'WW 1e'!B19&\" maanden\"","v":"Duur is 3 maanden"},null,null,null,null,null,"U bent voor meer dan 80 % arbeids-"]
[null,null,null,null,null,"Werkinkomsten",{"$f":"J56","v":0},null,null,null,null,"ongeschikt, er is geen herstel te "]
[null,null,null,null,null,"Aanvulling AO",{"$f":"J57","v":0},null,null,null,null,"verwachten binnen 5 jaar."]
[null,null,null,null,null,"Totaal",{"$f":"SUM(G18:G19)","v":0}]
[]
[]
[]
[]
[null,null,null,null,null,"Huidig inkomen",{"$f":"G$5+G$6","v":0},null,null,null,null,"Huidig inkomen",null,{"$f":"B$49","v":0}]
[null,null,null,null,null,"Nieuw inkomen",{"$f":"G$20","v":0},null,null,null,null,"Nieuw inkomen",null,{"$f":"B$53*75%","v":0}]
[null,null,null,null,null,"Terugval per jaar",{"$f":"G$25-G$26","v":0},null,null,null,null,"Terugval per jaar",null,{"$f":"N25-N26","v":0}]
[null,null,null,null,null,"Per maand",{"$f":"G$27/12","v":0},null,null,null,null,"Per maand",null,{"$f":"N27/12","v":0}]
[null,null,null,null,null,"Aanvulling WG",{"$f":"'AO en WW'!C$16","v":0},null,null,null,null,"Aanvulling WG",null,{"$f":"'AO en WW'!C20/12","v":0}]
[null,null,null,null,null,"Totale terugval",{"$f":"G$28-G$29","v":0},null,null,null,null,"Totale terugval",null,{"$f":"N28-N29","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"\"=ALS(G5<Gegevens!G3;UITVOER!B47*70%)"]
[]
[]
["Verzekering oplossing voor arbeidsongeschiktheid en werkloosheid",null,null,null,null,null,null,null,"Inkomensbescherming",null,null,"Woonlastenbescherming"]
[null,null,null,null,null,null,null,null,null,"Inkomen",null,null,"Hypotheek","Inkomen"]
[null,null,null,null,null,null,null,null,"Voor AO",{"$f":"G5+G6","v":0},null,"Voor AO",{"$f":"IF(AlgemeenOUD!F13>0,AlgemeenOUD!C35,AlgemeenOUD!C39)","v":0},{"$f":"AlgemeenOUD!C13","v":19777}]
[null,null,null,null,null,null,null,null,"Bij AO",{"$f":"'AO en WW'!C9","v":0},null,"Bij AO",{"$f":"IF(AlgemeenOUD!F13>0,'Maximale verstrekking'!H56,'Maximale verstrekking'!H56)","v":0},{"$f":"'Maximale verstrekking'!H18","v":0}]
[null,null,null,null,null,null,null,null,"Nodig",{"$f":"J36-J37","v":0},null,"Nodig",{"$f":"AlgemeenOUD!F27","v":0},{"$f":"IF(M37>=M38,\"X\",'AO en WW'!C12)","v":"X"}]
[null,null,null,null,null,null,null,null,"Resultaat",{"$f":"J38/12","v":0},null,null,"Resultaat",{"$f":"IF(M37>=M38,\"Toereikend\",(N38-N37)/12)","v":"Toereikend"}]
[null,null,null,null,null,null,null,null,"AO pm",{"$f":"'AO en WW'!C28","v":"X"},null,null,"AO pm",{"$f":"IF(M37>M38,\"N.V.T.\",'AO en WW'!C$33)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Gehanteerde toetsrente",null,{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2}]
[]
[]
[]
[]
["Berekenmodule"]
[]
["Totale inkomen",{"$f":"AlgemeenOUD!C10+AlgemeenOUD!C11+AlgemeenOUD!C12","v":0},null,"Inkomen 2 maanden",null,75]
[]
["WIA inkomen",{"$f":"'Financiële Gegevens'!B1","v":71628},null,"Inkomen vervolg",null,70]
[]
["Bereken inkomen",{"$f":"IF(B49>B51,B51,B49)","v":0},null,"AO percentage",null,50]
[]
[null,null,null,"Inkomen 2 maanden;",null,null,null,"Vervolgmaanden"]
[null,null,null,"Behoud van inkomen",null,{"$f":"B49*F53%","v":0},null,"Behoud van inkomen",null,{"$f":"B49*F53%","v":0}]
[null,null,null,"Uitkering",null,{"$f":"IF(F56<B51,(B53-F56)*75%,0)","v":0},null,"Uitkering",null,{"$f":"IF(F56<B51,(B53-F56)*70%,0)","v":0}]
[null,null,null,"Totaal inkomen ",null,{"$f":"SUM(F56:F57)","v":0},null,"Totaal inkomen ",null,{"$f":"SUM(J56:J57)","v":0}]

{"sheet":"AO 2e","index":162,"n_rows":58,"n_cols":256,"rows_kept":58,"cut":false,"hidden":true,"merged":[[13,11,13,13],[41,11,41,12],[15,11,15,13],[16,5,16,6],[33,0,33,6],[33,8,33,9],[33,11,33,13],[14,5,14,6],[14,8,14,9],[15,5,15,6],[15,8,15,9],[13,5,13,9],[5,7,5,12],[10,0,10,13],[11,0,11,13],[12,0,12,3],[12,5,12,9],[12,11,12,13]]}
[null,null,null,{"$f":"IF(AlgemeenOUD!F6>0,\"Overzicht alleen 2e aanvrager arbeidsongeschikt\",\"        Overzicht bij arbeidsongeschiktheid\")","v":"        Overzicht bij arbeidsongeschiktheid"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,"                                                         (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[null,null,null,null,null,{"$f":"VLOOKUP(AlgemeenOUD!F7,Gegevens!D192:E194,2)&\" \"&AlgemeenOUD!F6","v":{"$error":"#N/A"}}]
[null,"Let op !!",null,null,null,"Percentage AO","INVOER!D8/100"]
["Grondslag voor de berekening van het AO inkomen is het",null,null,null,null,"Inkomen",{"$f":"AlgemeenOUD!F10+AlgemeenOUD!F11","v":0},"(Vaste loonbestanddelen)"]
["totale inkomen van het afgelopen jaar. Het maximaal ver-",null,null,null,null,"Overwerk/ORT",{"$f":"AlgemeenOUD!F12","v":0},"(Dit inkomen vervalt direct het 1e ziektejaar)"]
["zekerd sociale loon is:",null,null,null,null,"Maximum loon",{"$f":"B53","v":0},"(Maximaal verzekerd inkomen vanaf de loonaanvullingsuitkering)"]
[null,{"$f":"'Financiële Gegevens'!B1","v":71628},null,null,null,"Terugval jaar 2 pm",{"$f":"((G5+G6)-(G5*70%))/12","v":0},"(WG betaalt (?) 1e jaar 100 %, 2e jaar 70%)"]
[]
[]
["Er dient in de 36 weken voorafgaand minimaal 26 weken te zijn gewerkt en de laatste 5 jaar tenminste 4 jaar 52 dagen per jaar. De looptijd van de loongerelateerde uitkering is afhankelijk van het"]
["arbeidsverleden en duurt minimaal 3 maanden en maximaal 38 maanden. "]
["< 35% AO",null,null,null,null,"35 - 80%",null,null,null,null,null,"80 - 100%"]
[null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C9>62,\"Tot maximaal 65 jaar !\",\" \")","v":" "},null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C9>62,\"Tot maximaal 65 jaar !\",\" \")","v":" "}]
[null,null,null,null,null,"\"Beroeps arbeidsongeschiktheid\"",null,null,"\"Passende arbeid\""]
[null,null,null,null,null,"Loongerelateerde uitkering",null,null,"Loonaanvullingsuitkering",null,null,"IVA"]
[null,null,null,null,null,{"$f":"\"Duur is \"&'WW 2e'!B18+'WW 2e'!B19&\" maanden\"","v":"Duur is 0 maanden"},null,null,null,null,null,"U bent voor meer dan 80 % arbeids-"]
[null,null,null,null,null,"Werkinkomsten",{"$f":"J56","v":0},null,null,null,null,"ongeschikt, er is geen herstel te "]
[null,null,null,null,null,"Aanvulling AO",{"$f":"J57","v":0},null,null,null,null,"verwachten binnen 5 jaar."]
[null,null,null,null,null,"Totaal",{"$f":"SUM(G18:G19)","v":0}]
[]
[]
[]
[]
[null,null,null,null,null,"Huidig inkomen",{"$f":"G$5+G$6","v":0},null,null,null,null,"Huidig inkomen",null,{"$f":"B$49","v":0}]
[null,null,null,null,null,"Nieuw inkomen",{"$f":"G$20","v":0},null,null,null,null,"Nieuw inkomen",null,{"$f":"B$53*75%","v":0}]
[null,null,null,null,null,"Terugval per jaar",{"$f":"G$25-G$26","v":0},null,null,null,null,"Terugval per jaar",null,{"$f":"N25-N26","v":0}]
[null,null,null,null,null,"Per maand",{"$f":"G$27/12","v":0},null,null,null,null,"Per maand",null,{"$f":"N27/12","v":0}]
[null,null,null,null,null,"Aanvulling WG",{"$f":"'AO en WW'!C$16/12","v":0},null,null,null,null,"Aanvulling WG",null,{"$f":"'AO en WW'!C20/12","v":0}]
[null,null,null,null,null,"Totale terugval",{"$f":"G$28-G$29","v":0},null,null,null,null,"Totale terugval",null,{"$f":"N28-N29","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ALS(G5<Gegevens!G3;UITVOER!B47*70%)"]
[]
[]
["Verzekering oplossing voor arbeidsongeschiktheid en werkloosheid",null,null,null,null,null,null,null,"Inkomensbescherming",null,null,"Woonlastenbescherming"]
[null,null,null,null,null,null,null,null,null,"Inkomen",null,null,"Hypotheek","Inkomen"]
[null,null,null,null,null,null,null,null,"Voor AO",{"$f":"G5+G6","v":0},null,"Voor AO",{"$f":"IF(AlgemeenOUD!F13>0,AlgemeenOUD!C35,AlgemeenOUD!C39)","v":0},{"$f":"AlgemeenOUD!F13","v":0}]
[null,null,null,null,null,null,null,null,"Bij AO",{"$f":"'AO en WW'!F9","v":0},null,"Bij AO",{"$f":"IF(AlgemeenOUD!F13>0,'Maximale verstrekking'!J56,'Maximale verstrekking'!J56)","v":60128.714799106216},{"$f":"IF(AlgemeenOUD!#REF!<('Financiële Gegevens'!B1*70%),AlgemeenOUD!#REF!,('Financiële Gegevens'!B1*70%))","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,"Nodig",{"$f":"J36-J37","v":0},null,"Nodig",{"$f":"AlgemeenOUD!F27","v":0},{"$f":"IF(M37>=M38,\"X\",'AO en WW'!F12)","v":"X"}]
[null,null,null,null,null,null,null,null,"Resultaat",{"$f":"J38/12","v":0},null,null,"Resultaat",{"$f":"IF(M37>=M38,\"Toereikend\",(N38-N37)/12)","v":"Toereikend"}]
[null,null,null,null,null,null,null,null,"AO pm",{"$f":"'AO en WW'!F28","v":"X"},null,null,"AO pm",{"$f":"IF(M37>M38,\"N.V.T.\",'AO en WW'!C$33)","v":"N.V.T."}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Gehanteerde toetsrente",null,{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2}]
[]
[]
[]
[]
["Berekenmodule"]
[]
["Totale inkomen",{"$f":"AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12","v":0},null,"Inkomen 2 maanden",null,75]
[]
["WIA inkomen",{"$f":"'Financiële Gegevens'!B1","v":71628},null,"Inkomen vervolg",null,70]
[]
["Bereken inkomen",{"$f":"IF(B49>B51,B51,B49)","v":0},null,"AO percentage",null,50]
[]
[null,null,null,"Inkomen 2 maanden;",null,null,null,"Vervolgmaanden"]
[null,null,null,"Behoud van inkomen",null,{"$f":"B49*F53%","v":0},null,"Behoud van inkomen",null,{"$f":"B49*F53%","v":0}]
[null,null,null,"Uitkering",null,{"$f":"IF(F56<B51,(B53-F56)*75%,0)","v":0},null,"Uitkering",null,{"$f":"IF(F56<B51,(B53-F56)*70%,0)","v":0}]
[null,null,null,"Totaal inkomen ",null,{"$f":"SUM(F56:F57)","v":0},null,"Totaal inkomen ",null,{"$f":"SUM(J56:J57)","v":0}]

{"sheet":"AO Beiden","index":163,"n_rows":58,"n_cols":256,"rows_kept":58,"cut":false,"hidden":true,"merged":[[41,11,41,12],[15,11,15,13],[16,5,16,6],[33,0,33,6],[33,8,33,9],[33,11,33,13],[14,5,14,6],[14,8,14,9],[15,5,15,6],[15,8,15,9],[5,7,5,12],[10,0,10,13],[11,0,11,13],[12,0,12,3],[12,5,12,9],[12,11,12,13]]}
[null,"  Totaal inkomen wanneer u beiden arbeidsongeschikt raakt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,"                                                         (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[]
[null,"Let op !!",null,null,null,"Percentage AO","INVOER!D8/100"]
["Grondslag voor de berekening van het AO inkomen is het",null,null,null,null,"Inkomen",{"$f":"'AO 1e'!G5+'AO 2e'!G5","v":0},"(Vaste loonbestanddelen)"]
["totale inkomen van het afgelopen jaar. Het maximaal ver-",null,null,null,null,"Overwerk/ORT",{"$f":"'AO 1e'!G6+'AO 2e'!G6","v":0},"(Dit inkomen vervalt direct het 1e ziektejaar)"]
["zekerd sociale loon is:",null,null,null,null,"Maximum loon",{"$f":"'AO 1e'!G7+'AO 2e'!G7","v":0},"(Maximaal verzekerd inkomen vanaf de loonaanvullingsuitkering)"]
[null,{"$f":"'Financiële Gegevens'!B1","v":71628},null,null,null,"Terugval jaar 2 pm",{"$f":"'AO 1e'!G8+'AO 2e'!G8","v":0},"(WG betaalt (?) 1e jaar 100 %, 2e jaar 70%)"]
[]
[]
[]
[]
["< 35% AO",null,null,null,null,"35 - 80%",null,null,null,null,null,"80 - 100%"]
[]
[null,null,null,null,null,"\"Beroeps arbeidsongeschiktheid\"",null,null,"\"Passende arbeid\""]
[null,null,null,null,null,"Loongerelateerde uitkering",null,null,"Loonaanvullingsuitkering",null,null,"IVA"]
[null,null,null,null,null,"Duur is individueel gemeld",null,null,null,null,null,"U bent voor meer dan 80 % arbeids-"]
[null,null,null,null,null,"Werkinkomsten",{"$f":"'AO 1e'!G18+'AO 2e'!G18","v":0},null,null,null,null,"ongeschikt, er is geen herstel te "]
[null,null,null,null,null,"Aanvulling AO",{"$f":"'AO 1e'!G19+'AO 2e'!G19","v":0},null,null,null,null,"verwachten binnen 5 jaar."]
[null,null,null,null,null,"Totaal",{"$f":"'AO 1e'!G20+'AO 2e'!G20","v":0}]
[]
[]
[]
[]
[null,null,null,null,null,"Huidig inkomen",{"$f":"'AO 1e'!G25+'AO 2e'!G25","v":0},null,null,null,null,"Huidig inkomen",null,{"$f":"'AO 1e'!N25+'AO 2e'!N25","v":0}]
[null,null,null,null,null,"Nieuw inkomen",{"$f":"'AO 1e'!G26+'AO 2e'!G26","v":0},null,null,null,null,"Nieuw inkomen",null,{"$f":"'AO 1e'!N26+'AO 2e'!N26","v":0}]
[null,null,null,null,null,"Terugval per jaar",{"$f":"'AO 1e'!G27+'AO 2e'!G27","v":0},null,null,null,null,"Terugval per jaar",null,{"$f":"'AO 1e'!N27+'AO 2e'!N27","v":0}]
[null,null,null,null,null,"Per maand",{"$f":"'AO 1e'!G28+'AO 2e'!G28","v":0},null,null,null,null,"Per maand",null,{"$f":"'AO 1e'!N28+'AO 2e'!N28","v":0}]
[null,null,null,null,null,"Aanvulling WG",{"$f":"'AO 1e'!G29+'AO 2e'!G29","v":0},null,null,null,null,"Aanvulling WG",null,{"$f":"'AO 1e'!N29+'AO 2e'!N29","v":0}]
[null,null,null,null,null,"Totale terugval",{"$f":"'AO 1e'!G30+'AO 2e'!G30","v":0},null,null,null,null,"Totale terugval",null,{"$f":"'AO 1e'!N30+'AO 2e'!N30","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(G5<'Gegevens'!G3;UITVOER'!B47*70%)"]
[]
[]
["Verzekering oplossing voor arbeidsongeschiktheid en werkloosheid",null,null,null,null,null,null,null,"Inkomensbescherming",null,null,"Woonlastenbescherming"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Hypotheek","Inkomen"]
[null,null,null,null,null,null,null,null,null,null,null,"Voor AO",{"$f":"IF(AlgemeenOUD!F13>0,AlgemeenOUD!C35,AlgemeenOUD!C39)","v":0},{"$f":"AlgemeenOUD!C13+AlgemeenOUD!F13","v":19777}]
[null,null,null,null,null,null,null,null,null,null,null,"Bij AO",{"$f":"'Maximale verstrekking'!L56","v":0},{"$f":"'Maximale verstrekking'!L18+'Maximale verstrekking'!L19","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"Nodig",{"$f":"AlgemeenOUD!F27","v":0}]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Gehanteerde toetsrente",null,{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2}]
[]
[]
[]
[]
["Berekenmodule"]
[]
["Totale inkomen",{"$f":"AlgemeenOUD!C10+AlgemeenOUD!C11+AlgemeenOUD!C12","v":0},null,"Inkomen 2 maanden",null,75]
[]
["WIA inkomen",{"$f":"'Financiële Gegevens'!B1","v":71628},null,"Inkomen vervolg",null,70]
[]
["Bereken inkomen",{"$f":"IF(B49>B51,B51,B49)","v":0},null,"AO percentage",null,50]
[]
[null,null,null,"Inkomen 2 maanden;",null,null,null,"Vervolgmaanden"]
[null,null,null,"Behoud van inkomen",null,{"$f":"B49*F53%","v":0},null,"Behoud van inkomen",null,{"$f":"B49*F53%","v":0}]
[null,null,null,"Uitkering",null,{"$f":"IF(F56<B51,(B53-F56)*75%,0)","v":0},null,"Uitkering",null,{"$f":"IF(F56<B51,(B53-F56)*70%,0)","v":0}]
[null,null,null,"Totaal inkomen ",null,{"$f":"SUM(F56:F57)","v":0},null,"Totaal inkomen ",null,{"$f":"SUM(J56:J57)","v":0}]

{"sheet":"Netto inkomen","index":164,"n_rows":19,"n_cols":9,"rows_kept":19,"cut":false,"hidden":true,"merged":[]}
["WW","eerste",null,null,null,"WW","tweede"]
[]
[{"$f":"'Financiële Gegevens'!A65","v":0},{"$f":"'Financiële Gegevens'!B65","v":20384},{"$f":"'Financiële Gegevens'!C65","v":0.36969999999999997},{"$f":"IF(B8<B3,B8*C3,IF(B8>=B3,B3*C3,0))","v":0},null,{"$f":"A3","v":0},{"$f":"B3","v":20384},0.36969999999999997,{"$f":"IF(G8<G3,G8*H3,IF(G8>=G3,G3*H3,0))","v":0}]
[{"$f":"'Financiële Gegevens'!A66","v":20385},{"$f":"'Financiële Gegevens'!B66","v":38098},{"$f":"'Financiële Gegevens'!C66","v":0.36969999999999997},{"$f":"IF(B$8<A4,0,IF(B$8>B4,(B4-A4)*C4,(B$8-A4)*C4))","v":0},null,{"$f":"A4","v":20385},38098,0.36969999999999997,{"$f":"IF(G$8<F4,0,IF(G$8>G4,(G4-F4)*H4,(G$8-F4)*H4))","v":0}]
[{"$f":"'Financiële Gegevens'!A67","v":38099},{"$f":"'Financiële Gegevens'!B67","v":75518},{"$f":"'Financiële Gegevens'!C67","v":0.36969999999999997},{"$f":"IF(B$8<A5,0,IF(B$8>B5,(B5-A5)*C5,(B$8-A5)*C5))","v":0},null,{"$f":"A5","v":38099},75518,0.36969999999999997,{"$f":"IF(G$8<F5,0,IF(G$8>G5,(G5-F5)*H5,(G$8-F5)*H5))","v":0}]
[{"$f":"'Financiële Gegevens'!A68","v":75519},100000000,{"$f":"'Financiële Gegevens'!C68","v":0.495},{"$f":"IF(B8>A6,(B8-A6)*C6,0)","v":0},null,{"$f":"A6","v":75519},100000000,0.495,{"$f":"IF(G8>F6,(G8-F6)*H6,0)","v":0}]
[]
["WW inkomen",{"$f":"'WW uitvoer'!C26","v":0},null,null,null,"WW inkomen",{"$f":"'WW uitvoer'!E26","v":0}]
[]
[]
["Vaststelling inkomen heffingskorting",null,null,{"$f":"IF(B5<=B8,B5,B8)","v":0},null,"Vaststelling inkomen heffingskorting",null,null,{"$f":"IF(G5<=G8,G5,G8)","v":0}]
[]
["Heffingskorting inkomen minder dan 1e schijf",null,null,2265,null,"Heffingskorting inkomen minder dan 1e schijf",null,null,{"$f":"D13","v":2265}]
["Heffingskorting inkomen meer dan 1e schijf",null,null,{"$f":"IF(B8>B3,(D11-B3)*4.683%)","v":false},null,"Heffingskorting inkomen meer dan 1e schijf",null,null,{"$f":"IF(G8>G3,(I11-G3)*4.683%,0)","v":0}]
["Belasting",null,null,{"$f":"SUM(D3:D6)","v":0},null,"Belasting",null,null,{"$f":"SUM(I3:I6)","v":0}]
["Totale korting inclusief afbouw",null,null,{"$f":"D13-D14","v":2265},null,"Totale korting inclusief afbouw",null,"-/-",{"$f":"I13-I14","v":2265}]
["Netto",null,null,{"$f":"D15-D16","v":-2265},null,"Netto",null,null,{"$f":"I15-I16","v":-2265}]
["Bruto WW minus netto belasting",null,null,{"$f":"B8-D17","v":2265},null,"Bruto WW minus netto belasting",null,null,{"$f":"G8-I17","v":2265}]
["Per maand excl.vakantiegeld",null,null,{"$f":"D18/12.96","v":174.7685185185185},null,"Per maand excl.vakantiegeld",null,null,{"$f":"I18/12.96","v":174.7685185185185}]

{"sheet":"Aflossing 65e","index":165,"n_rows":30,"n_cols":256,"rows_kept":30,"cut":false,"hidden":true,"merged":[[4,2,4,5]]}
["       Advies hoogte aflossing GHF norm PENSIOEN",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,"                                         (GHF staat voor Gedragscode Hypothecaire Financieringen)"]
[]
[]
[null,"Relatie",{"$f":"AlgemeenOUD!C6&(IF(AlgemeenOUD!F6>\" \",\" & \"&AlgemeenOUD!F6,\" \"))","v":" "}]
[]
[]
[null,"Bruto jaarinkomen TOTAAL",{"$f":"'Maximale verstrekking'!O18+'Maximale verstrekking'!O19","v":19777},{"$f":"IF(AlgemeenOUD!F6>0,\"Beiden GEPENSIONEERD\",\" \")","v":" "}]
[]
[null,"Huidige hypotheek hoogte",{"$f":"AlgemeenOUD!F27","v":0}]
[null,"Waarde/Aflossing op pensioendatum",{"$f":"PensioenOUD!C21","v":0}]
[null,null,"-/-"]
[null,"Resthypotheek",{"$f":"'Pensioen uitvoer'!#REF!","v":{"$error":"#REF!"}}]
[]
[null,"Maximaal volgens GHF",{"$f":"PensioenOUD!C26","v":65434.189634685456},"(Verantwoorde hypotheek)"]
[null,"Gehanteerde toetsrente",{"$f":"AlgemeenOUD!F35","v":3.7999999999999999E-2}]
[]
[null,"De hypotheek is op de volgende wijze getoetst:"]
[null,"Deel getoetst in box 1",{"$f":"PensioenOUD!C30","v":0}]
[null,"Deel getoetst in box 3",{"$f":"IF(PensioenOUD!#REF!>PensioenOUD!C31,PensioenOUD!#REF!,PensioenOUD!C31)","v":{"$error":"#REF!"}}]
[]
[null,"Advies om af te lossen",{"$f":"IF(C13-C15<0,\"Voldoende aflossing\",C13-C15)","v":{"$error":"#REF!"}}]
[]
[null,"Totaal inkomen op PENSIOEN leeftijd beiden:"]
[null,{"$f":"IF(AlgemeenOUD!C6>\" \",\"Pensioen \"&AlgemeenOUD!C6,\" \")","v":" "},{"$f":"SUM('Pensioen 1e'!C30:C33)","v":0}]
[null,{"$f":"IF(AlgemeenOUD!F6>\" \",\"Pensioen \"&AlgemeenOUD!F6,\" \")","v":" "},{"$f":"SUM('Pensioen 2e'!C29:C32)","v":0}]
[null,{"$f":"IF(B25>\" \",\"AOW \"&AlgemeenOUD!C6,\" \")","v":" "},{"$f":"IF(B27>\" \",'Pensioen 1e'!C35,\" \")","v":" "}]
[null,{"$f":"IF(B26>\" \",\"AOW \"&AlgemeenOUD!F6,\" \")","v":" "},{"$f":"IF(B28>\" \",'Pensioen 2e'!C34,\" \")","v":" "}]
[]
[null,"TOTAAL",{"$f":"SUM(C25:C28)","v":0}]