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[999999999999,0,0,0,0,0,0,0,0,0,0,0,0]

{"sheet":"2017AOW","index":3,"n_rows":101,"n_cols":256,"rows_kept":101,"cut":false,"hidden":true,"merged":[]}
["Tabel 2. Financieringslastpercentages voor consumenten die de AOW-leeftijd reeds 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"]
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[]
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["Tabel 3. Financieringslastpercentages voor gedeelten van het hypothecair krediet waarvan de debetrente niet fiscaal aftrekbaar is 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"]
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[9999999999]

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["Tabel 4. Financieringslastpercentages voor gedeelten van het hypothecair krediet waarvan de debetrente niet fiscaal aftrekbaar is voor consumenten die de AOW-leeftijd reeds 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,"12,5%","13,0%","13,0%","13,5%","13,5%","14,0%","14,0%","14,0%","14,5%","14,5%","14,5%","14,5%"]
[20500,"12,5%","13,0%","13,0%","13,5%","13,5%","14,0%","14,0%","14,0%","14,5%","14,5%","14,5%","14,5%"]
[21000,"14,0%","14,0%","14,5%","14,5%","15,0%","15,0%","15,0%","15,5%","15,5%","15,5%","16,0%","16,0%"]
[21500,"15,0%","15,0%","15,5%","15,5%","16,0%","16,0%","16,5%","16,5%","16,5%","17,0%","17,0%","17,0%"]
[22000,"16,0%","16,0%","16,5%","16,5%","17,0%","17,0%","17,5%","17,5%","18,0%","18,0%","18,0%","18,5%"]
[22500,"17,0%","17,0%","17,5%","17,5%","18,0%","18,0%","18,5%","18,5%","19,0%","19,0%","19,5%","19,5%"]
[23000,"17,5%","18,0%","18,0%","18,5%","18,5%","19,0%","19,0%","19,5%","19,5%","20,0%","20,0%","20,0%"]
[23500,"18,0%","18,5%","18,5%","19,0%","19,5%","19,5%","20,0%","20,0%","20,5%","20,5%","20,5%","21,0%"]
[24000,"18,5%","19,0%","19,5%","19,5%","20,0%","20,0%","20,5%","20,5%","21,0%","21,0%","21,5%","21,5%"]
[24500,"19,0%","19,5%","20,0%","20,0%","20,5%","20,5%","21,0%","21,0%","21,5%","21,5%","22,0%","22,0%"]
[25000,"19,5%","19,5%","20,0%","20,5%","20,5%","21,0%","21,0%","21,5%","21,5%","22,0%","22,0%","22,5%"]
[26000,"19,5%","20,0%","20,5%","20,5%","21,0%","21,0%","21,5%","21,5%","22,0%","22,0%","22,5%","22,5%"]
[27000,"19,5%","20,0%","20,5%","21,0%","21,0%","21,5%","21,5%","22,0%","22,0%","22,5%","22,5%","23,0%"]
[28000,"20,0%","20,5%","20,5%","21,0%","21,5%","21,5%","22,0%","22,0%","22,5%","22,5%","23,0%","23,0%"]
[29000,"20,0%","20,5%","21,0%","21,0%","21,5%","22,0%","22,0%","22,5%","22,5%","23,0%","23,0%","23,5%"]
[30000,"20,0%","20,5%","21,0%","21,5%","21,5%","22,0%","22,5%","22,5%","23,0%","23,0%","23,0%","23,5%"]
[31000,"21,5%","21,5%","22,0%","22,5%","22,5%","23,0%","23,5%","23,5%","24,0%","24,0%","24,5%","24,5%"]
[32000,"21,5%","21,5%","22,0%","22,5%","23,0%","23,0%","23,5%","23,5%","24,0%","24,0%","24,5%","24,5%"]
[33000,"21,5%","22,0%","22,0%","22,5%","23,0%","23,0%","23,5%","24,0%","24,0%","24,5%","24,5%","24,5%"]
[34000,"21,5%","22,0%","22,5%","22,5%","23,0%","23,5%","23,5%","24,0%","24,0%","24,5%","24,5%","25,0%"]
[35000,"21,5%","22,0%","22,5%","23,0%","23,0%","23,5%","23,5%","24,0%","24,5%","24,5%","25,0%","25,0%"]
[36000,"22,0%","22,0%","22,5%","23,0%","23,5%","23,5%","24,0%","24,0%","24,5%","25,0%","25,0%","25,0%"]
[37000,"22,0%","22,5%","23,0%","23,0%","23,5%","24,0%","24,0%","24,5%","24,5%","25,0%","25,0%","25,5%"]
[38000,"22,0%","22,5%","23,0%","23,5%","23,5%","24,0%","24,5%","24,5%","25,0%","25,0%","25,5%","25,5%"]
[39000,"22,5%","23,0%","23,0%","23,5%","24,0%","24,5%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%"]
[40000,"22,5%","23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%"]
[41000,"22,5%","23,0%","23,5%","24,0%","24,5%","24,5%","25,0%","25,5%","25,5%","26,0%","26,0%","26,0%"]
[42000,"23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%"]
[43000,"23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%"]
[44000,"23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%"]
[45000,"23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%"]
[46000,"23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%"]
[47000,"23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%"]
[48000,"23,0%","23,5%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%"]
[49000,"23,0%","23,5%","24,0%","24,5%","24,5%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%","26,5%"]
[50000,"23,0%","23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","26,0%","26,0%","26,5%","26,5%","27,0%"]
[51000,"23,5%","23,5%","24,0%","24,5%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%","26,5%","27,0%"]
[52000,"23,5%","24,0%","24,0%","24,5%","25,0%","25,5%","25,5%","26,0%","26,0%","26,5%","27,0%","27,0%"]
[53000,"23,5%","24,0%","24,0%","24,5%","25,0%","25,5%","25,5%","26,0%","26,5%","26,5%","27,0%","27,0%"]
[54000,"23,5%","24,0%","24,5%","24,5%","25,0%","25,5%","26,0%","26,0%","26,5%","26,5%","27,0%","27,0%"]
[55000,"23,5%","24,0%","24,5%","25,0%","25,0%","25,5%","26,0%","26,5%","26,5%","27,0%","27,0%","27,5%"]
[56000,"23,5%","24,0%","24,5%","25,0%","25,5%","25,5%","26,0%","26,5%","26,5%","27,0%","27,0%","27,5%"]
[57000,"24,0%","24,5%","24,5%","25,0%","25,5%","26,0%","26,0%","26,5%","27,0%","27,0%","27,5%","27,5%"]
[58000,"24,0%","24,5%","25,0%","25,0%","25,5%","26,0%","26,5%","26,5%","27,0%","27,0%","27,5%","27,5%"]
[59000,"24,0%","24,5%","25,0%","25,5%","25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","27,5%","28,0%"]
[60000,"24,0%","24,5%","25,0%","25,5%","26,0%","26,0%","26,5%","27,0%","27,0%","27,5%","27,5%","28,0%"]
[61000,"24,0%","24,5%","25,0%","25,5%","26,0%","26,5%","26,5%","27,0%","27,5%","27,5%","28,0%","28,0%"]
[62000,"24,5%","25,0%","25,5%","25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","27,5%","28,0%","28,0%"]
[63000,"24,5%","25,0%","25,5%","26,0%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,0%","28,5%"]
[64000,"24,5%","25,0%","25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%"]
[65000,"25,0%","25,5%","25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","28,5%"]
[66000,"25,0%","25,5%","26,0%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%"]
[67000,"25,0%","25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","28,5%","29,0%"]
[68000,"25,0%","25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","28,5%","29,0%"]
[69000,"25,0%","25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%"]
[70000,"25,0%","25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%"]
[71000,"25,5%","26,0%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%"]
[72000,"25,5%","26,0%","26,5%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","28,5%","29,0%","29,5%"]
[73000,"25,5%","26,0%","26,5%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[74000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[75000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[76000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[77000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[78000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[79000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[80000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[81000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[82000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[83000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[84000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[85000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[86000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[87000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[88000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[89000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[90000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[91000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[92000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[93000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[94000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%"]
[95000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%","29,5%"]
[96000,"25,5%","26,0%","26,5%","27,0%","27,0%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%","29,5%"]
[97000,"25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%","29,5%"]
[98000,"25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%","29,5%"]
[99000,"25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%","29,5%"]
[100000,"25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%","29,5%"]
[101000,"25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,0%","29,5%"]
[102000,"25,5%","26,0%","26,5%","27,0%","27,5%","27,5%","28,0%","28,5%","28,5%","29,0%","29,5%","29,5%"]
[104000,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]
[105000,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]
[106000,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]
[107000,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]
[108000,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]
[109000,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]
[110000,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]
[9999999999,"25,5%","26,0%","26,5%","27,0%","27,5%","28,0%","28,0%","28,5%","29,0%","29,0%","29,5%","29,5%"]

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[null,null,null,"Uw wachtwoord"]

{"sheet":"Financiële Gegevens","index":8,"n_rows":84,"n_cols":256,"rows_kept":84,"cut":false,"hidden":true,"merged":[[11,2,11,8]]}
["Max. dagloon",53706,"https://www.hr-kiosk.nl/hoofdstuk/tabellen/maximumdagloon-tabellen-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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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"]
["Max. dagen",261]
["ANW",{"$f":"1156.42*12.96","v":14987.203200000002},"http://www.svb.nl/int/nl/anw/inkomsten/werkgever_zelfstandige/index.jsp",null,null,null,null,null,null,"http://www.rijksoverheid.nl/documenten-en-publicaties/vragen-en-antwoorden/hoe-hoog-is-de-anw-uitkering.html",null,null,null,null,null,null,"NHG"]
["Bruto minimum loon",1552,"https://www.rijksoverheid.nl/onderwerpen/minimumloon/inhoud/bedragen-minimumloon-2017",null,null,null,null,null,null,null,null,null,null,null,null,null,2016,1.02]
["Minimum per jaar",{"$f":"B4*12.96","v":20113.920000000002},null,null,null,null,null,null,null,null,null,null,null,null,null,null,2017,1.01]
["Netto minimum loon",1310,"??????????"]
["Netto vakantietoeslag",68.48,"(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}]
[]
["IB Tarieven",null,"http://www.belastingdienst.nl/particulier/alsu65jaarofouderbent/alsu65jaarofouderbent-01.html"]
["AOW uitkeringen",null,"http://www.svb.nl/int/nl/aow/hoogte_aow/bedragen/"]
[]
["AOW alleenstaand",{"$f":"(1161.69+70.26)*12","v":14783.400000000001},"http://www.svb.nl/int/nl/aow/hoogte_aow/bedragen/"]
["AOW gehuwd/samenwonend, p.p.",{"$f":"(801.05+50.18)*12","v":10214.759999999998}]
[null,null,null,null,null,null,null,null,null,"Jaar",{"$f":"L39","v":2017}]
[]
[]
["Vrijstelling ANW",769]
[]
[]
["Tarieven -65","http://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/boxen_en_tarieven/overzicht_tarieven_en_schijven/u_hebt_in_2015_de_aow_leeftijd_nog_niet_bereikt"]
[]
[0,19982,0.36549999999999999,"2017-01-01",null,"Tarieven"," > Klik hier <",{"$f":"D69","v":0.36549999999999999},null,"Heffingskortingen:",null,"Zie AO uitkering netto inkomen!"]
[{"$f":"B22+1","v":19983},33791,0.40799999999999997,null,null,1,{"$f":"C29","v":0.1865}]
[{"$f":"B23+1","v":33792},67072,0.40799999999999997,null,null,2,{"$f":"C30","v":0.22900000000000001}]
[{"$f":"B24+1","v":67073},"Onbeperkt",0.52,null,null,3,{"$f":"C22","v":0.36549999999999999}]
[null,null,null,null,null,4,{"$f":"C23","v":0.40799999999999997}]
["Tarieven 65+",null,null,null,null,5,{"$f":"C25","v":0.52},null,null,"LET OP: in berekening Vrije Keuze is uitgegaan van gelijke grote van trede voor -65 en +65, zie BH4"]
[]
[0,19982,0.1865,{"$f":"D22","v":"2017-01-01"},1,{"$f":"IF(#REF!<='Financiële Gegevens'!B29,'Financiële Gegevens'!C29,0)","v":{"$error":"#REF!"}},{"$f":"IF(F29>0,F29,0)","v":{"$error":"#REF!"}}]
[{"$f":"B29+1","v":19983},34130,0.22900000000000001,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!"}}]
[{"$f":"B30+1","v":34131},67072,0.40799999999999997,null,3,{"$f":"AND(#REF!>='Financiële Gegevens'!A31,#REF!<='Financiële Gegevens'!B31,C31)","v":{"$error":"#REF!"}},{"$f":"IF(F31=TRUE,#REF!,0)","v":{"$error":"#REF!"}}]
[{"$f":"B31+1","v":67073},"Onbeperkt",0.52,null,4,{"$f":"IF(#REF!>='Financiële Gegevens'!A32,#REF!,0)","v":{"$error":"#REF!"}},{"$f":"IF(F32>0,#REF!,0)","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,"NHG"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Koopgrens",245000]
["Vrijstelling sparen pp",25000,{"$f":"B34*2","v":50000},null,null,null,null,null,null,null,null,null,null,null,"Max.hyp",{"$f":"245000*101%","v":247450}]
["Vrijstelling per kind",null,"vervallen per 1-1-2012",null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",0.05]
[]
["WOZ",null,{"$f":"F61*AlgemeenOUD!C16","v":0},"= Bijtelling"]
[]
["Let op: bij de NETTO gelijke berekening (AE19) en ANN/LIN moet het 52% berekening ELK JAAR in de formule worden aangepast.",null,null,null,null,null,null,null,null,null,null,{"$f":"M53","v":2017},{"$f":"N53","v":0.5}]
[]
[]
["AOW:"]
["https://www.svb.nl/int/nl/aow/hoogte_aow/wat_gaat_er_af/"]
[]
["Algemene korting",null,1151,"http://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/heffingskortingen/heffingskortingen_voor_aow_erechtigden"]
["Korting indien inkomen < 35.770",36057,1292]
["Alleenstaande korting",null,438]
[null,null,null,null,null,null,null,null,null,null,null,"Tabblad huidige hypotheek",null,null,"Hoogste tarief"]
["Toetsrente",null,0.05,null,null,null,null,null,null,null,null,"Verschil in jaren",null,{"$f":"M53","v":2017},{"$f":"G27","v":0.52}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"N53","v":0.5}]
[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:",{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,null,null,null,null,null,"Vandaag","Jaar","Selectie ",{"$f":"MAX(O49-O50)","v":2.0000000000000018E-2}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2017-09-07"},{"$f":"YEAR(L53)","v":2017},{"$f":"VLOOKUP(M53,L56:M84,2,FALSE)","v":0.5},{"$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$52*C54,0)","v":0},null,null,null,null,null,null,null,null,"Hierboven het maximale bijtellings% voor de huidige hypotheek"]
[12500,25000,3.0000000000000001E-3,null,{"$f":"IF(AND(B$52>A55,B$52<B55),1,0)","v":0},{"$f":"IF(E55=1,B$52*C55,0)","v":0}]
[25000,50000,4.4999999999999997E-3,null,{"$f":"IF(AND(B$52>A56,B$52<B56),1,0)","v":0},{"$f":"IF(E56=1,B$52*C56,0)","v":0},null,null,null,null,null,2017,0.5]
[50000,75000,6.0000000000000001E-3,null,{"$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":2018},{"$f":"M56-0.5%","v":0.495}]
[75000,1060000,7.4999999999999997E-3,null,{"$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":2019},{"$f":"M57-0.5%","v":0.49}]
[1050000,100000000,7950,2.35E-2,{"$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,2020,0.48499999999999999]
[null,null,null,null,null,null,null,null,null,null,null,2021,0.48]
[null,null,null,null,null,{"$f":"SUM(F54:F60)","v":0},null,null,null,null,null,2022,0.47499999999999998]
[null,null,null,null,null,null,null,null,null,null,null,2023,0.47]
[null,null,null,null,null,null,null,null,null,null,null,2024,0.46499999999999997]
[null,null,null,null,null,"Inkomen",{"$f":"IF(AlgemeenOUD!F13>AlgemeenOUD!C13,AlgemeenOUD!F13,AlgemeenOUD!C13)+(AlgemeenOUD!C52*AlgemeenOUD!C53)","v":14783.400000000001},null,null,null,null,2025,0.45999999999999996]
[{"$f":"A22","v":0},{"$f":"B22","v":19982},{"$f":"C22","v":0.36549999999999999},{"$f":"IF(G64<B65,C65,0)","v":0.36549999999999999},null,"Leeftijd",{"$f":"leeftijd1","v":0},null,null,null,null,2026,0.45499999999999996]
[{"$f":"A23","v":19983},33791,0.40799999999999997,{"$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":14783.400000000001},null,null,null,null,2027,0.44999999999999996]
[33792,67072,0.40799999999999997,{"$f":"IF(AND(G$64>A67,G$64<B67),C67,0)","v":0},null,"Inkomen",{"$f":"IF(G65>67,G66,G64)","v":14783.400000000001},"Vastgesteld op leeftijd",null,null,null,2028,0.44499999999999995]
[67073,"Onbeperkt",0.52,{"$f":"IF(G64>A68,C68,0)","v":0},null,null,null,null,null,null,null,2029,0.43999999999999995]
[null,null,null,{"$f":"SUM(D65:D68)","v":0.36549999999999999},null,null,null,null,null,null,null,2030,0.43499999999999994]
["Tarieven 65+",null,null,null,null,null,null,null,null,null,null,2031,0.42999999999999994]
[null,null,null,null,null,null,null,null,null,null,null,2032,0.42499999999999993]
[0,19982,0.1865,{"$f":"IF(G66<B72,C72,0)","v":0.1865},null,null,null,null,null,null,null,2033,{"$f":"M71-0.5%","v":0.41999999999999993}]
[19983,34130,0.22900000000000001,{"$f":"IF(AND(G66>A73,G66<B73),C73,0)","v":0},null,null,null,null,null,null,null,2034,0.41499999999999992]
[34131,67072,0.40799999999999997,{"$f":"IF(AND(G66>A74,G66<B74),C74,0)","v":0},null,null,null,null,null,null,null,2035,0.40999999999999992]
[67073,"Onbeperkt",0.52,{"$f":"IF(G67>A75,C75,0)","v":0},null,null,null,null,null,null,null,2036,0.40499999999999992]
[null,null,null,{"$f":"SUM(D72:D75)","v":0.1865},null,null,null,null,null,null,null,2037,0.39999999999999991]
[null,null,null,null,null,null,null,null,null,null,null,2038,0.39499999999999991]
[null,null,null,null,null,null,null,null,null,null,null,2039,0.3899999999999999]
[null,null,null,null,null,null,null,null,null,null,null,2040,0.3849999999999999]
[null,null,null,null,null,null,null,null,null,null,null,2041,0.37999999999999989]
[null,null,null,null,null,null,null,null,null,null,null,2042,0.37499999999999989]
[null,null,null,null,null,null,null,null,null,null,null,2043,{"$f":"M81-0.5%","v":0.36999999999999988}]
[null,null,null,null,null,null,null,null,null,null,null,2044,0.36499999999999988]
[null,null,null,null,null,null,null,null,null,null,null,2045,{"$f":"M83-0.5%","v":0.35999999999999988}]

{"sheet":"Gegevens","index":9,"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":""}]
[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$11,I8-1,0))&\"\"","v":""}]
["Geboortedatum (01-01-1970)",null,null,"Geboortedatum (01-01-1970)",null,null,null,"supercode",4105]
["Leeftijd (wordt automatisch berekend)",{"$f":"Algemeen!E8","v":0},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'!B13","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",{"$f":"'Pensioen 1e'!C37","v":14783.400000000001},null,"Bruto totaal pensioeninkomen",{"$f":"'Pensioen 2e'!C37","v":10214.759999999998}]
["Netto pensioeninkomen wordt",{"$f":"'Pensioen 1e'!C10","v":1046.9668666666669},null,"Netto pensioeninkomen wordt",{"$f":"'Pensioen 2e'!C10","v":730.44389666666655}]
["\"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]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Pulldown AOW",null,null,"Pulldown AOW"]
[]
["AOW alleenstaanden",{"$f":"'Financiële Gegevens'!B12*PensioenOUD!$B$16%","v":14783.400000000001},null,"AOW alleenstaanden",{"$f":"'Financiële Gegevens'!B12*PensioenOUD!$E$16%","v":14783.400000000001}]
["AOW gehuwden/samenwonend, p.p.",{"$f":"'Financiële Gegevens'!B13*PensioenOUD!$B$16%","v":10214.759999999998},null,"AOW gehuwden/samenwonend, p.p.",{"$f":"'Financiële Gegevens'!B13*PensioenOUD!$E$16%","v":10214.759999999998}]
[]
[]
[]
["Hoeveel jaar in het buitenland gewoond; AO.",null,null,"Aantal jaren gewerkt; AO","Looptijd uitkering"]
[]
[]
[0,null,null,1,3]
[{"$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":9966.24},"Vrijstelling",{"$f":"'Financiële Gegevens'!B17","v":769},{"$f":"C145*12.96","v":9966.24},"Vrijstelling"]
[{"$f":"(AlgemeenOUD!C10)-A145","v":-9966.24},"Inkomen > vrijstelling",null,{"$f":"(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)-D145","v":-9966.24},"Inkomen > vrijstelling"]
[{"$f":"A146*66.66%","v":-6643.4955839999993},0.66659999999999997,null,{"$f":"D146*66.66%","v":-6643.4955839999993},0.66659999999999997]
[{"$f":"MAX(0,'Financiële Gegevens'!B3-Gegevens!A147-AlgemeenOUD!C11)","v":21630.698784},"Uitkering",null,{"$f":"MAX(0,'Financiële Gegevens'!B3-Gegevens!D147-AlgemeenOUD!F11)","v":21630.698784},"Uitkering"]
[]
[{"$f":"AlgemeenOUD!C11","v":0},"Uitkering",null,{"$f":"AlgemeenOUD!F11","v":0},"Uitkering"]
[{"$f":"'Financiële Gegevens'!B3","v":14987.203200000002},"Max.ANW",null,{"$f":"'Financiële Gegevens'!B3","v":14987.203200000002},"Max.ANW"]
[{"$f":"(A151-A150)","v":14987.203200000002},"Uitkering ",null,{"$f":"(D151-D150)","v":14987.203200000002},"Uitkering "]
[{"$f":"IF(A152<0,0,A152)","v":14987.203200000002},"ECHT",null,{"$f":"IF(D152<0,0,D152)","v":14987.203200000002},"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",{"$f":"'ORV advies'!B13-'ORV advies'!B6+D169","v":0},"Zonder 8%",{"$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":19982},{"$f":"'Financiële Gegevens'!C22","v":0.36549999999999999},{"$f":"IF(B169<B172,B169*C172,B172*C172)","v":0},{"$f":"D172","v":0}]
[{"$f":"'Financiële Gegevens'!A23","v":19983},{"$f":"'Financiële Gegevens'!B23","v":33791},{"$f":"'Financiële Gegevens'!C23","v":0.40799999999999997},{"$f":"IF(B169<A173,0,IF(B169>B173,(B173-A173)*C173,(B169-A173)*C173))","v":0},{"$f":"D173","v":0}]
[{"$f":"'Financiële Gegevens'!A24","v":33792},{"$f":"'Financiële Gegevens'!B24","v":67072},{"$f":"'Financiële Gegevens'!C24","v":0.40799999999999997},{"$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":67073},{"$f":"'Financiële Gegevens'!B25","v":"Onbeperkt"},{"$f":"'Financiële Gegevens'!C25","v":0.52},{"$f":"IF(B169<A175,0,(B169-A175)*C175)","v":0},{"$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},19982,0.36549999999999999,{"$f":"IF(B180<B183,B180*C183,B183*C183)","v":{"$error":"#REF!"}},{"$f":"D183","v":{"$error":"#REF!"}}]
[19983,33791,0.40799999999999997,{"$f":"IF(B180<A184,0,IF(B180>B184,(B184-A184)*C184,(B180-A184)*C184))","v":{"$error":"#REF!"}},{"$f":"D184","v":{"$error":"#REF!"}}]
[{"$f":"A174","v":33792},67072,0.40799999999999997,{"$f":"IF(B180>B185,(B185-A185)*C185,IF(B180>A185,(B180-A185)*C185,0))","v":{"$error":"#REF!"}},{"$f":"D185","v":{"$error":"#REF!"}}]
[67073,"Onbeperkt",0.52,{"$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":19},null,"Automatisch",{"$f":"INT(IF(E207,(TODAY()-E207)/365.25,0))","v":19}]
["Huidige leeftijd",{"$f":"AlgemeenOUD!C9","v":0},null,"Huidige leeftijd",{"$f":"AlgemeenOUD!F9","v":-1}]
["Jaren er vanaf",{"$f":"B208","v":19},null,"Jaren er vanaf",{"$f":"E208","v":19}]
["Leeftijd in 1997",{"$f":"B209-B210","v":-19},null,"Leeftijd in 1997",{"$f":"E209-E210","v":-20}]
["Fictief arbeidsverleden",{"$f":"B211-18","v":-37},null,"Fictief arbeidsverleden",{"$f":"E211-18","v":-38}]
["Fictief arbeidsverleden correctie",{"$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":-37},null,"Feitelijk verleden",{"$f":"'AO en WW'!F20","v":0}]
["Echte jaren",{"$f":"'AO en WW'!C20","v":15},null,"Echte jaren",{"$f":"'AO en WW'!F20","v":0}]
[]
["Totale jaren",{"$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'!C18=2,Gegevens!B220,IF('AO en WW'!C18=1,3,0)))","v":15},null,"Echte uitkering",{"$f":"MIN(38,IF('AO en WW'!F18=2,Gegevens!E220,IF('AO en WW'!F18=1,3,0)))","v":0}]
[]
[]
["Kinderen WZP",null,null,{"$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,{"$f":"'Financiële Gegevens'!B34","v":25000},null,"Ja"]
[3,{"$f":"B274*2","v":50000},null,"Nee"]
[{"$f":"'Financiële Gegevens'!B35","v":0}]
[0]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[]
[]
[0]
[1,"De genoemde premie is reeds opgenomen in de aangeboden hypotheek met de daarbij behorende maandlast."]
[2,"Deze verzekering is los te sluiten van de hypotheek en derhalve niet opgenomen in de hypotheeklasten."]
[]
[]
[]
[0,".",0]
[1,"Annuïtair dalend",1]
[2,"Lineair dalend",2]
[3,"Gelijk blijvend",3]
[null,null,null,"Gekozen IB tarief"]
[1,0.1835,null,{"$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'!O55","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},{"$f":"IF(F403=TRUE,'Maximale verstrekking'!F50,0)","v":30981.101145902561},null,null,{"$f":"IF(G403>0,'Maximale verstrekking'!F44-'Maximale verstrekking'!F62,0)","v":1995.7590000000002}]
["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},{"$f":"IF(F404=TRUE,'Maximale verstrekking'!F50,0)","v":0},null,null,{"$f":"IF(G404>0,'Maximale verstrekking'!F44-'Maximale verstrekking'!F62,0)","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},{"$f":"IF(F405=TRUE,'Maximale verstrekking'!O63,0)","v":0},{"$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},{"$f":"IF(F406=TRUE,'Maximale verstrekking'!O63,0)","v":0},{"$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},{"$f":"IF(F407=TRUE,'Maximale verstrekking'!E50,0)","v":0},null,null,{"$f":"IF(G407>0,'Maximale verstrekking'!E44-'Maximale verstrekking'!E62,0)","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},{"$f":"IF(F408=TRUE,'Maximale verstrekking'!O63,0)","v":0},{"$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},{"$f":"IF(F409=TRUE,'Maximale verstrekking'!O63,0)","v":0},{"$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},{"$f":"IF(F410=TRUE,'Maximale verstrekking'!O63,0)","v":0},{"$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$26,0)","v":33275.997527387401}]
["Correct op dag",{"$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}]
["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":64257.098673289962},{"$f":"SUM(H405:H412)","v":0},null,{"$f":"SUM(J403:J414)","v":1995.7590000000002}]
["Vandaag ",{"$f":"TODAY()","v":"2017-09-07"}]
[]
[]
[]
[]
[0,null,null,null,null,"E = samen"]
[{"$f":"A421+1%","v":0.01},null,null,null,null,"F = alleen"]
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[0.04]
[0.05]
[6.0000000000000005E-2]
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[0.08]
[0.09]
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[0.12999999999999998]
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[{"$f":"A486+1%","v":0.66000000000000036}]
[0.67000000000000037]
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[0.97000000000000064]
[0.98000000000000065]
[0.99000000000000066]
[1.0000000000000007]

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[25000,0.155,0.16500000000000001,0.17499999999999999,0.185,0.19500000000000001,0.20499999999999999,0.215,0.22500000000000001,0.23,0.24,0.25,0.25]
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[52000,0.215,0.22500000000000001,0.23499999999999999,0.245,0.255,0.26500000000000001,0.27500000000000002,0.28499999999999998,0.29499999999999998,0.30499999999999999,0.315,0.32500000000000001]
[57000,0.22,0.23,0.24,0.25,0.26,0.27,0.28000000000000003,0.28499999999999998,0.29499999999999998,0.30499999999999999,0.315,0.32500000000000001]
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[62000,0.22500000000000001,0.24,0.25,0.26,0.27,0.28000000000000003,0.28999999999999998,0.3,0.30499999999999999,0.315,0.32,0.33]
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[79000,0.24,0.255,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.32,0.33,0.34,0.35,0.36,0.36499999999999999]
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[96000,0.245,0.26,0.27500000000000002,0.28999999999999998,0.3,0.315,0.32500000000000001,0.34,0.35,0.36,0.37,0.38]
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["T2",180,null,"b","T2*R2",{"$f":"+B16*B21","v":2.6999999999999997},null,"bH",{"$f":"+B25*F16","v":404999.99999999994},null,null,"D2",{"$f":"+B25-L26","v":-13662.394327788381},null,{"$f":"+M15*B15+M16*B16+M17*B17+M18*B18+M19*B19","v":17180256.340332694}]
["T3",null,null,null,null,null,null,null,null,null,null,"D3",null,null,{"$f":"+O15/O16","v":5.501000000000001E-2}]
["T4",null,null,null,null,null,null,null,null,null,null,"D4"]
["T5",null,null,null,null,null,null,null,null,null,null,"D5"]
["R1",{"$f":"uw_gekozen_rente","v":0.05},null,"c","T1",{"$f":"+B15","v":120},null,"b-a",{"$f":"+F16-F15","v":-3.3000000000000003}]
["R2",{"$f":"AlgemeenOUD!F45","v":1.4999999999999999E-2},null,"d","T2",{"$f":"+B16","v":180},null,"d.H.Ropt",{"$f":"+F21*B25*B26","v":1485270}]
["R3"]
["R4"]
["R5"]
["H",150000,null,null,null,null,null,"Ropt(c-d)",{"$f":"+B26*(F20-F21)","v":-3.3006000000000002}]
["Ropt",{"$f":"FLOOR(B20*200,1)/200+0.00501","v":5.5010000000000003E-2},null,null,null,null,null,"x=",{"$f":"+I16-I21","v":-1080270},"/",{"$f":"+I20+I25","v":-6.6006},{"$f":"+I26/K26","v":163662.39432778838}]

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[]
[null,{"$f":"\"Welkom, \"&Gegevens!I4","v":"Welkom, "}]
[]
[]
[]
[{"$f":"AlgemeenOUD!$C$6","v":0},"Naam 1e aanvrager",null,null,{"$f":"AlgemeenOUD!C6","v":0},null,null,null,null,"Naam 2e aanvrager"]
[null,"Geboortedatum (aan elkaar)",null,null,null,null,null,null,null,"Geboortedatum (aan elkaar)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,{"$f":"IF(E7=0,0,TRUNC((TODAY()-E7)/365.25))","v":0},{"$f":"leeftijd1","v":0},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,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,{"$f":"AlgemeenOUD!C64","v":1},"Zonder partner"]
[]
[null,{"$f":"IF(D8=0,\"Vul eerst de geboortedatum in…\",IF(OR(leeftijd1>57,leeftijd2>57),\"OUDER DAN 57 jaar: gebruik voor maximaal toets andere software!\",\"Inkomen bruto per jaar:\"))","v":"Vul eerst de geboortedatum in…"},null,null,null,null,null,null,null,"Inkomen bruto per jaar:"]
[null,"Vast inkomen",null,null,null,null,null,null,null,"Vast 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,1.6899999999999998E-2]
[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,{"$f":"IF(AI12=5%,5,10)","v":10}]
[40000,"Uitkering",null,null,null,null,null,null,null,"Uitkering"]
[null,"TOTAAL",null,null,{"$f":"SUM(E12:F14)","v":0},null,null,null,null,"TOTAAL",null,null,{"$f":"IF(E9=\"Met partner zonder inkomen\",0,SUM(M12:N14))","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!G28=TRUE,\"Met NHG\",\"Geldverstrekker?\")","v":"Geldverstrekker?"}]
[null,"Hoogste IB tarief:",null,null,{"$f":"IF('Financiële Gegevens'!G65<67,'Financiële Gegevens'!D69,'Financiële Gegevens'!C73)","v":0.36549999999999999},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Ropslag!$A$2:$A$18","v":"Argenta"}]
[]
[null,"Extra maandlast:"]
[null,{"$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,{"$f":"IF(AB21=TRUE,\"Vul maandlast erfpacht in\",\"Erfpacht\")","v":"Erfpacht"},null,null,false,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX(Ropsl_banken,Y21)","v":"ING"},null,null,{"$f":"IF(U22,\"RVP kent geen afslag!\",\"\")","v":""},null,{"$f":"Ropslag!$A$2:$A$32","v":"NIBC"},10,{"$f":"INDEX(RO_bstart,Y21)","v":134},{"$f":"INDEX(OFFSET(RO_bstart,0,2),Y21)","v":11},false]
[null,{"$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,null,{"$f":"MATCH(E26,OFFSET(Ropslag!AA1,Z21,0,AA21,1),)","v":4},{"$f":"AND(NOT(nhg),ISERROR(T22))","v":false},false]
[]
["https://www.geld.nl/hypotheek/hypotheekrente","Nieuwe hypotheek:",null,null,null,null,null,null,null,null,null,null,false]
[{"$f":"'Financiële Gegevens'!P35","v":0.05},"Rentepercentage",null,null,{"$f":"'Financiële Gegevens'!P35","v":0.05},"Toetsrente",null,{"$f":"AlgemeenOUD!E35","v":0.05}]
[null,"Rentevast periode",null,null,{"$f":"IF(E25<>'Financiële Gegevens'!P35,10,5)","v":5},"Jaar","Jaren aftrek",null,null,{"$f":"IF(AlgemeenOUD!C43=1,\"Kies hier uw optimaalrente:\",\"Optimaalrente\")","v":"Kies hier uw optimaalrente:"},null,null,null,16]
[null,"Looptijd ",null,null,30,"Jaar",{"$f":"E27","v":30}]
[]
[null,"Maximale hypotheek",null,null,{"$f":"AlgemeenOUD!C35","v":64257.098673289962},null,{"$f":"AlgemeenOUD!D35","v":2017},null,null,"Jaren 2e rentevastperiode",null,null,{"$f":"IF(AlgemeenOUD!C43=2,5,20)","v":20},{"$f":"IF(E41>P29,\" OPTIMAAL totaal\",\"Maximaal optimaal\")","v":{"$error":"#VALUE!"}},null,{"$f":"+Reba_Copy+M33","v":{"$error":"#VALUE!"}},null,null,{"$f":"Reba_Copy+M33","v":{"$error":"#VALUE!"}}]
[null,"Verantwoorde jaarlast",null,null,{"$f":"AlgemeenOUD!C36","v":1995.7590000000002},null,null,null,null,"Rente optimaal",null,null,{"$f":"IF(AlgemeenOUD!C43=3,2.34%,1.5%)","v":1.4999999999999999E-2}," Rente optimaal",null,{"$f":"AlgemeenOUD!F37","v":{"$error":"#VALUE!"}}]
[]
[{"$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,{"$f":"IF(Alg_Schuifwaarde=16,AlgemeenOUD!B45,AlgemeenOUD!B46)","v":"XXX"},null,{"$f":"E26","v":5},"jaar",{"$f":"E25","v":0.05}]
[null,{"$f":"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,null,null,null,"Leningdeel 2",null,null,{"$f":"IF(Alg_Schuifwaarde=16,AlgemeenOUD!C45,AlgemeenOUD!C46)","v":"XXX"},null,{"$f":"M29","v":20},"jaar",{"$f":"M30","v":1.4999999999999999E-2}]
[]
[null,"Overige gegevens hypotheek:",null,null,null,null,null,null,null,null,null,null,"Leningdelen staan in tabblad 'optimaalhypotheek'"]
["https://www.wozwaardeloket.nl/index.jsp?a=1&accept=true&",{"$f":"IF(Algemeen!A37=TRUE,\"WOZ (loket)\",\"WOZ waarde\")","v":"WOZ waarde"},null,null,{"$f":"E33","v":0},null,null,null,null,null,null,null,"Aflosvrij NIET mogelijk bij deze keuze."]
[false,"Marktwaarde",null,null,{"$f":"E36","v":0}]
[{"$f":"IF(AlgemeenOUD!$C$43>1,P29,E29)","v":64257.098673289962},{"$f":"IF(E32=\"Aankoop nieuwbouw woning\",\"Meerwerk\",\"Verbouwing\")","v":"Verbouwing"},null,null,{"$f":"IF(AND(E32=\"Aankoop nieuwbouw woning\",V38=TRUE),\"                          Meerwerk is\",IF(V38=TRUE,\"         De verbouwkosten zijn\",\" \"))","v":" "},null,null,null,"Toename MW met",null,{"$f":"IF(B38=\"Meerwerk\",100%,70%)","v":0.7},{"$f":"(H38*K38)+E37","v":0},null,null,null,null,null,null,null,null,null,false]
[null,{"$f":"IF(V39=TRUE,\"Vul percentage in\",\"Index marktwaarde\")","v":"Index marktwaarde"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,{"$f":"IF(nhg=TRUE,\"Met NHG\",\"Zonder NHG. Met NHG?\")","v":"Zonder NHG. Met NHG?"}]
["Indicatie benodigd",{"$f":"IF(E41>(A38+1),\"Hypotheeksom te hoog\",\"Gewenste hypotheeksom\")","v":"Gewenste hypotheeksom"},null,null,null,null,{"$f":"IF('Voorstel HOR'!K34>0,'Voorstel HOR'!K34,0)","v":0},"Deel aflosvrij?",null,{"$f":"IF(R41=TRUE,\"   Bedrag\",0)","v":0},null,null,"Opslag",null,"Aftrek",30,"jaar",false]
[{"$f":"'Voorstel HOR'!E42-('Voorstel HOR'!E42*2)","v":2705},{"$f":"IF(E42=TRUE,\"Vul box 3 deel in\",\"Box 3 deel\")","v":"Box 3 deel"},null,null,null,null,null,"Het box 3 deel is",null,null,null,null,false,true,null,null,null,null,null,null,null,false]
[{"$f":"IF(nhg=TRUE,\"(excl. 1% NHG)\",0)","v":0},"Onderhoud",null,null,14.5,null,null,null,null,null,null,null,false,16]
[null,"Adviestarief",null,null,null,null,null,null,null,{"$f":"IF(M42=FALSE,\"1, 2, 3, 4, 5, 6,7 etc.\",\"2017, 2018, 2019, 2020, etc. \")","v":"1, 2, 3, 4, 5, 6,7 etc."}]
[null,null,null,null,null,null,null,null,null,"Zichtbaar in berekeningen"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,false]

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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",{"$f":"+Reba_MaxOrg","v":{"$error":"#VALUE!"}},{"$f":"IF(Alg_Sit=1,'Maximale verstrekking'!T44,'Maximale verstrekking'!S44)/12","v":{"$error":"#VALUE!"}},{"$f":"+Reba_MaxOrg=Reba_Maxres","v":{"$error":"#VALUE!"}}]
[]
[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,{"$f":"AlgemeenOUD!F35","v":0.05},null,{"$f":"F7/$F$3*O7","v":{"$error":"#VALUE!"}},{"$f":"ABS($F$4-F7)","v":9.9900000000000058E-3},"Procentuele verdeling deel 1",{"$f":"I7/I10","v":0.28542857142857159},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,{"$f":"IF(AlgemeenOUD!C43=2,5%,AlgemeenOUD!F45)","v":1.4999999999999999E-2},null,{"$f":"F8/F3*O8","v":{"$error":"#VALUE!"}},{"$f":"ABS(F4-F8)","v":2.5009999999999998E-2},"Procentuele verdeling deel 2",{"$f":"I8/I10","v":0.71457142857142841},null,{"$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,{"$f":"optimaal!B12","v":5.5010000000000003E-2},{"$f":"SUM(I7:I8)","v":3.5000000000000003E-2},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,{"$f":"AlgemeenOUD!F35","v":0.05},null,null,null,null,null,null,null,null,{"$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,{"$f":"IF(AlgemeenOUD!C43=2,5%,AlgemeenOUD!F45)","v":1.4999999999999999E-2},null,{"$f":"VLOOKUP(A14,AlgemeenOUD!$N$48:$O$97,2,FALSE)","v":0},null,null,null,null,null,null,{"$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!"}},{"$error":"#VALUE!"},{"$f":"-PV(F13/12,$Q$3*12,R13)","v":{"$error":"#VALUE!"}},{"$f":"+S13*F13","v":{"$error":"#VALUE!"}}]
[{"$f":"Alg_Schuifwaarde","v":16},"GEBALANCEERD",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$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=0,1,Nieuwe_hypotheeksom-Aflosvrij_leningdeel)","v":1},{"$f":"AlgemeenOUD!F35","v":0.05},{"$f":"((D21*E21)+(D22*E22))/(D21+D22)","v":0.05},null,null,"Gewogen rente","ann/lin",{"$f":"D7-K22","v":{"$error":"#VALUE!"}},{"$f":"F7","v":0.05},{"$f":"((K21*L21)+(K22*L22))/(K21+K22)","v":{"$error":"#VALUE!"}}]
["zonder optimum",null,"aflosvrij",{"$f":"Aflosvrij_leningdeel","v":0},{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":0.05},null,null,null,"zonder optimum","aflosvrij",{"$f":"AlgemeenOUD!F30","v":0},{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":0.05}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Omgedraaid"]
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["AFLOSVRIJE OPSLAG",null,"<10 of > 10 jr vast",{"$f":"ROUND((O27)+(VLOOKUP(A14,AlgemeenOUD!$N$48:$O$97,2,FALSE)*1000),0)","v":{"$error":"#VALUE!"}},{"$f":"AlgemeenOUD!F45","v":1.4999999999999999E-2},{"$f":"IF(AlgemeenOUD!C43=2,5%,AlgemeenOUD!F45)","v":1.4999999999999999E-2},null,{"$f":"F27/$D$29*O27","v":{"$error":"#VALUE!"}},{"$f":"ABS($F$4-F27)","v":2.5009999999999998E-2},"Procentuele verdeling deel 2",{"$f":"I27/I29","v":0.71457142857142841},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},{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":0.05},{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":0.05},{"$f":"G9","v":0}]
[null,null,"Totaal alles aflossing:",{"$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},{"$f":"H10","v":5.5010000000000003E-2},{"$f":"SUM(I26:I28)","v":3.5000000000000003E-2},{"$f":"J10","v":0},{"$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]
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[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]
[]
[null,null,null,null,null,0.02,null,null,null,null,null,null,null,null,null,null,null,null,null,1.4999999999999999E-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-2,2.5999999999999999E-2,2.7E-2,2.8000000000000001E-2,2.9000000000000001E-2,0.03,null,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,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,{"$f":"\"WELKOM \"&#REF!","v":{"$error":"#REF!"}},null,null,null,null,false,{"$f":"1+(IF(G5=TRUE,1,0))","v":1}]
[null,"Naam 1e",{"$f":"C197","v":0},null,"Naam 2e",{"$f":"Algemeen!M6","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Algemeen!D9","v":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!M15","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":14783.400000000001},null,"TOTAAL",{"$f":"SUM(F10:F12)","v":0}]
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[null,"Netto inkomen per maand / voor vergelijk pensioen",{"$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":0.36549999999999999},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"]
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[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"},{"$f":"Annuiteit!O40","v":14.5},{"$f":"Annuiteit!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"},{"$f":"Lineair!O40","v":14.5},{"$f":"Lineair!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":"Balans!O40","v":14.5},{"$f":"Balans!P40","v":14.5}]
[null,{"$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":{"$error":"#DIV/0!"}},{"$f":"Optimaalhypotheek1!O19","v":{"$error":"#DIV/0!"}}]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,16]
[null,{"$f":"IF(Alg_naschuif>(F51*'Financiële Gegevens'!R7),\"Let op NHG regels, zie marktwaarde!\",\"Nieuwe hypotheeksom\")","v":"Nieuwe hypotheeksom"},{"$f":"Algemeen!E41","v":0},0,"Logo zichtbaar op 'Voorstel'",{"$f":"'Voorstel HOR'!T42","v":"Logo CalFin"},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":"ING"},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!J42","v":0},{"$f":"IF(F28>0,1,0)","v":1},null,null,null,null,null,{"$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",{"$f":"Algemeen!K41","v":0},null,null,null,null,1.7000000000000001E-2]
[null,"Erfpacht per jaar",{"$f":"Algemeen!F21*12","v":0},null,"Duur rente aftrek AFLOSVRIJ",{"$f":"Algemeen!P41+1","v":31},null,null,null,"Looptijd aflosvrij + 1 jaar"]
[null,"Te betalen partneralimentatie per jaar",{"$f":"Algemeen!F22*12","v":0},null,"Opslag AFLOSVRIJ",{"$f":"IF(Algemeen!R41=FALSE,0,Algemeen!N41)","v":0},"KRINGVERWIJZING"]
[]
[2015,{"$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":64257.098673289962},2017,{"$f":"ROUND(SUM(I50:I53),5)","v":0.05},{"$f":"Algemeen!E25","v":0.05},null,null,null,null,null,null,null,1.7000000000000001E-2]
[null,"Ter info; verantwoorde jaarlast conform GHF norm",{"$f":"Gegevens!J415","v":1995.7590000000002}]
[{"$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'!S50,IF(C43=1,0,IF(A37=TRUE,\"-\",IF(C10=0,\" \",IF(C43=1,\" \",IF(C7=3,'Maximale verstrekking'!S50,'Maximale verstrekking'!T50))))))))","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 ",{"$f":"IF(OR(C10=0,F35=0),0,'Maximale verstrekking'!F50)","v":0},null,"Maximale hypotheek 2e aanvrager ",{"$f":"IF(F35=0,0,'Maximale verstrekking'!G50)","v":0}]
[]
[2,"Comfort Service Pakket",{"$f":"Algemeen!E43","v":14.5},null,"Kies hier uw rentevastperiode",2,5,1,"bij waar dan:"]
[0,null,2]
[0,{"$f":"IF(C27=0,\"Optimaalrente\",IF(C37>C27,\"Optimaliseren met schuif:\",\"Optimaalrente\"))","v":"Optimaalrente"},1,null,"Aantal jaren rentevast",10,"10+",{"$f":"IF(C43=1,TRUE,FALSE)","v":true},{"$f":"HLOOKUP(F35,ReBa!F32:AT34,3,TRUE)","v":4.0009999999999997E-2},{"$f":"AND(C10>0,F35=0)","v":false}]
[]
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[null,{"$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":20}]
[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!E44","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!H38>0,\"Martkwaarde na verbouw\",\"Marktwaarde\")","v":"Marktwaarde"},{"$f":"IF(Algemeen!H38>0,Algemeen!L38,Algemeen!E37)","v":0},null,null,{"$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",{"$f":"IF(G52=1,Algemeen!F39,0)","v":0},{"$f":"IF(Algemeen!E39=\"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":0.05},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"},{"$f":"VLOOKUP(B64,B60:C62,2,FALSE)","v":1},1,"Lagere maandlast",3,null,null,null,null,null,null,null,17,1]
[null,null,null,{"$f":"D64+1","v":2},"Wijzigen hypotheekvorm",4,null,null,null,null,null,null,null,18,2]
[null,null,null,3,"Beter rentevoorstel",5,null,null,null,null,null,null,null,19,3]
[null,null,null,4,"Zekere hypotheekopbouw",6,null,null,null,null,null,null,null,20,4]
[null,null,null,5,"Verbouwing/woningverbetering",7,null,null,null,null,null,null,null,21,5]
[null,null,null,6,"Inkoop zekerheid: langere rentevastperiode",8,null,null,null,null,null,null,null,22,6]
[null,null,null,7,"Consumptieve opname",9,null,null,null,null,null,null,null,23,7]
[null,null,null,8,"Benutten overwaarde voor extra inkomen",10,null,null,null,null,null,null,null,24,8]
[null,null,null,9,"Scheiding/uitkoop ex partner",11,null,null,null,null,null,null,null,25,9]
[null,"ff",null,10,"Totale betere hypotheeksituatie",12,null,null,null,null,null,null,null,26,10]
[null,null,null,11,"Oversluiting om diverse redenen",13,null,null,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,null,null,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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[null,"Eerste naam"]
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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":"PRINTEN","index":16,"n_rows":26,"n_cols":19,"rows_kept":26,"cut":false,"hidden":true,"merged":[[3,43,3,46],[3,47,3,48],[3,49,3,50],[6,6,6,7],[6,8,6,9],[6,10,6,11]]}
[]
[null,"Welkom David de Weijer, Van Bruggen Adviesgroep Purmerend",null,null,"Printpagina"]
[]
[]
[]
[]
[null,null,null,null,null,null,"Vorm",null,"Bruto",null,"Netto"]
[]
[]
[]
[]
[null,null,null,null,"Hypotheek",null,null,null,null,null,null,"Scenario's",null,null,null,null,null,null,"Diversen"]
[]
[null,null,null,null,"Maandlast",null,null,null,null,null,null,"Arbeidsongeschikheid"]
[null,null,null,null,null,null,null,null,null,null,null,"Werkloosheid"]
[null,null,null,null,"Berekeningen",null,null,null,null,null,null,"Overlijden"]
[null,null,null,null,"ð","Annuïteit",null,null,null,null,null,"ð","Verloop"]
[null,null,null,null,"ð","Lineair",null,null,null,null,null,"ð","Vergelijk"]
[null,null,null,null,"ð","Balans",null,null,null,null,null,"Einde relatie"]
[null,null,null,null,"ð","Vrije Keuze",null,null,null,null,null,"Pensioen"]
[]
[null,null,null,null,"Financieel overzicht",null,null,null,null,null,null,"Alle scenario's "]
[]
[]
[null,null,null,null,"ð","Horizontaal"]
[null,null,null,null,"ð","Verticaal"]

{"sheet":"Maandlast","index":17,"n_rows":34,"n_cols":28,"rows_kept":34,"cut":false,"hidden":true,"merged":[[22,9,22,11],[3,47,3,48],[3,49,3,50],[3,43,3,46],[6,6,6,7],[6,8,6,9],[6,10,6,11],[8,6,8,7],[8,8,8,9],[8,10,8,11],[31,9,31,11],[32,9,32,11],[33,9,33,11],[9,6,9,7],[9,8,9,9],[9,10,9,11],[17,9,17,11],[18,9,18,11],[10,6,10,7],[10,8,10,9],[10,10,10,11],[13,6,13,11],[15,6,15,11],[12,6,12,11],[20,9,20,11],[21,9,21,11],[29,9,29,11],[24,9,24,11],[25,9,25,11],[26,9,26,11],[27,9,27,11],[28,9,28,11]]}
[]
[null,"Welkom David de Weijer, Van Bruggen Adviesgroep Purmerend",null,null,{"$f":"Algemeen!B2","v":"Welkom, "}]
[]
[]
[]
[]
[null,null,null,null,null,null,"Vorm",null,"Bruto",null,"Netto"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($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,"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,{"$f":"'AO en WW'!C37","v":125},null,{"$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":"'AO en WW'!F37","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'!C32<125,125,'AO en WW'!C32)","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'!F32<125,125,'AO en WW'!F32)","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'!C39","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,{"$f":"'AO en WW'!F39","v":125},null,{"$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'!C33<125,125,'AO en WW'!C33)","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,{"$f":"IF('AO en WW'!F33<125,125,'AO en WW'!F33)","v":125},null,{"$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,{"$f":"O45","v":0.65199999999999969},{"$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":"SUM(T79:T82)+0.5","v":2.2902370328761066},{"$f":"SUM(U79:U82)","v":0.1118193149238933}]
[]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie gedragscode",null,null,{"$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":"Callas","index":22,"n_rows":90,"n_cols":256,"rows_kept":90,"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,{"$f":"IF('AO en WW'!C27<125,125,'AO en WW'!C27)","v":125},null,{"$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'!F27<125,125,'AO en WW'!F27)","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'!C32<125,125,'AO en WW'!C32)","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'!F32<125,125,'AO en WW'!F32)","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'!C28<125,125,'AO en WW'!C28)","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,{"$f":"IF('AO en WW'!F28<125,125,'AO en WW'!F28)","v":125},null,{"$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'!C33<125,125,'AO en WW'!C33)","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,{"$f":"IF('AO en WW'!F33<125,125,'AO en WW'!F33)","v":125},null,{"$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,{"$f":"O45","v":0.65199999999999969},{"$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":"SUM(T79:T82)+0.5","v":2.2902370328761066},{"$f":"SUM(U79:U82)","v":0.1118193149238933}]
[]
[null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33",null,null,null,null,null,null,null,null,null,null,"AO","WW","TOTAAL","< € 10","> € 53,33"]
[null,"Totaalpremie gedragscode",null,null,{"$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}]

{"sheet":"AO en WW netto inkomen","index":23,"n_rows":14,"n_cols":256,"rows_kept":14,"cut":false,"hidden":true,"merged":[[1,2,1,7]]}
[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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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"]
["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-F14+G14","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-L14+M14","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-R14+S14","v":2203},{"$f":"R6/12","v":183.58333333333334},null,"AO B12",null,{"$f":"('AO uitvoer'!T12/12.96)*12","v":0},{"$f":"W6-X14+Y14","v":2203},{"$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":2018},{"$f":"'Financiële Gegevens'!A22","v":0},{"$f":"'Financiële Gegevens'!B22","v":19982},{"$f":"'Financiële Gegevens'!C22","v":0.36549999999999999},{"$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},{"$f":"D9","v":19982},0.36549999999999999,{"$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},{"$f":"'Financiële Gegevens'!A23","v":19983},{"$f":"'Financiële Gegevens'!B23","v":33791},{"$f":"'Financiële Gegevens'!C23","v":0.40799999999999997},{"$f":"IF(AND(E$6>C10,E$6<D10),(E$6-C10)*E10,IF(E$6>D10,(D10-C10)*E10,0))","v":0},null,null,19983,{"$f":"D10","v":33791},0.40799999999999997,{"$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":33792},{"$f":"'Financiële Gegevens'!B24","v":67072},{"$f":"'Financiële Gegevens'!C24","v":0.40799999999999997},{"$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,33792,{"$f":"D11","v":67072},0.40799999999999997,{"$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,{"$f":"'Financiële Gegevens'!A25","v":67073},{"$f":"'Financiële Gegevens'!B25","v":"Onbeperkt"},{"$f":"'Financiële Gegevens'!C25","v":0.52},{"$f":"IF(E6>C12,(E6-C12)*E12,0)","v":0},{"$f":"IF(E6>C12,1342,IF(AND(E6>56935,B9>1962),1175,0))","v":0},null,67073,{"$f":"D12","v":"Onbeperkt"},0.52,{"$f":"IF(K6>I12,(K6-I12)*K12,0)","v":0},{"$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,{"$f":"SUM(F9:F13)","v":0},{"$f":"SUM(G9:G12)","v":2203},null,"Totaal IB te betalen",null,null,{"$f":"SUM(L9:L13)","v":0},{"$f":"SUM(M9:M13)","v":2203},null,"Totaal IB te betalen",null,null,{"$f":"SUM(R9:R13)","v":0},{"$f":"SUM(S9:S12)","v":2203},null,"Totaal IB te betalen",null,null,{"$f":"SUM(X9:X13)","v":0},{"$f":"SUM(Y9:Y12)","v":2203}]

{"sheet":"PensioenOUD","index":24,"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$5","v":0},null,"Naam 2e",{"$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",{"$f":"'Pensioen uitvoer'!B16","v":14783.400000000001},null,"Bruto totaal pensioeninkomen 2e aanvrager",{"$f":"'Pensioen uitvoer'!E16","v":10214.759999999998}]
[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":-33275.997527387401}]
[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'!O61&\" maanden\")","v":"Annuïteit op basis van 0 maanden"},{"$f":"PMT(C25/12,'Maximale verstrekking'!O61,-(PensioenOUD!F21),0,0)","v":{"$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":0.05},null,"Zonder rente aftrek, toetsrente:",{"$f":"C25","v":0.05}]
[null,"Maximaal GHF ",{"$f":"'Maximale verstrekking'!O50","v":33275.997527387401},null,"Maximaal GHF ",{"$f":"'Maximale verstrekking'!O53","v":33275.997527387342},{"$f":"PMT(C32/12,360,-F26,0,0)","v":92.433326464964836}]
[null,"Verantwoorde jaarlast GFH",{"$f":"'Maximale verstrekking'!O54","v":2143.5930000000035},null,"Verantwoorde jaarlast GFH",{"$f":"'Maximale verstrekking'!P54","v":2143.5929999999998}]
[null,"Maximaal op basis van aflosvrij",{"$f":"C27/C25","v":42871.860000000066},null,"Maximaal op basis van aflosvrij",{"$f":"F27/F25","v":42871.859999999993}]
[]
[null,null,null,1]

{"sheet":"Algemeen overig","index":25,"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,{"$f":"Algemeen!B2","v":"Welkom, "}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Krediet 1","Krediet 2"]
[]
[]
[null,"Naam 1e aanvrager",null,null,{"$f":"Algemeen!E6","v":0},null,null,null,null,"Naam 2e aanvrager",null,null,{"$f":"Algemeen!M6&\"\"","v":""},null,null,null,null,null,null,null,null,"PL ",1,{"$f":"IF(AND(I42=1,K34>0,K36>0),PMT(K34/12,K36*12,-K32),0)","v":165.72887893472202},{"$f":"IF(AND(O42=1,Q34>0,Q36>0),PMT(Q34/12,Q36*12,-Q32),0)","v":181.9913915330354}]
[null,"Geboortedatum ",null,null,{"$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":50},{"$f":"Q32*(Q34/12)","v":100}]
[null,null,null,null,{"$f":"Algemeen!E8","v":0},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,{"$f":"K32*1%","v":100},{"$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":150},{"$f":"Q32*1.5%","v":225}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DK 2%",5,{"$f":"K32*2%","v":200},{"$f":"Q32*2%","v":300}]
[]
[null,"Burgerlijke status",null,null,"Alleenstaand"]
[]
[null,"Huige woonsituatie"]
[]
[null,"Beroep",null,null,null,null,null,null,null,"Beroep"]
[null,"Dienstverband",null,null,null,null,null,null,null,"Dienstverband"]
[]
[]
[null,"Vooralsnog kunnen in dit tablad 1 restschuld en 2 kredieten worden ingevoerd."]
[null,"Deze worden opgenomen in alle berekeningen. In dit tabblad zal later"]
[null,"worden gevuld met informatie welke wordtg opgenomen in het tabblad"]
[null,"Gegevens klant' welke dan kan worden toegevoegd aan je adviessamenvatting."]
[]
[]
[]
[]
[]
[]
[null,"      Restschuld",null,null,null,null,null,"      Krediet",{"$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,10000,null,null,"Bedrag",null,null,15000,null,null,null,2,"Rentekrediet",null,"Lineair",2]
[null,"Vorm",null,null,"Lineair",null,null,"Vorm",null,null,"PL ",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,0.06,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,5,"jaar",null,"Rentevast periode",null,null,9,"jaar",null,null,5,"DK 2%","D"]
[null,"Looptijd",null,null,11,"jaar",null,"Looptijd",null,null,6,"jaar",null,"Looptijd",null,null,10,"jaar"]
[null,"Duur aftrek",null,null,12,"jaar",null,"Duur aftrek",null,null,7,"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,{"$f":"VLOOKUP(I42,W6:X10,2,FALSE)","v":165.72887893472202},null,null,"Maandlast",null,null,{"$f":"VLOOKUP(O42,W6:Y10,3,FALSE)","v":181.9913915330354}]
[]
[null,"Vorm",{"$f":"E33","v":"Lineair"},null,null,null,null,"Vorm",{"$f":"K33","v":"PL "},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",{"$f":"VLOOKUP(I41,V6:W10,2,FALSE)","v":1},null,null,null,null,"Code",{"$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$42=3,I45,0)","v":0},null,null,null,null,null,null,null,"D","D"]
[]
[null,"Hypotheekvorm",null,null,"Hoofdsom",null,null,"Looptijd",null,"Jaar","Rente","Aftrekbaarheid",null,null,"Extra Aflossing",null,null,null,null,null,null,null,"Vast",null,{"$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,{"$f":"+K33","v":"PL "},null,null,{"$f":"+K32","v":10000},null,{"$f":"IF(Krediet1,E50,0)","v":0},{"$f":"IF(S50=\"D\",100,K36)","v":6},null,{"$f":"+K35","v":5},{"$f":"+K34","v":0.06},{"$f":"+K37","v":7},{"$f":"+E50","v":10000},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":"P"},{"$f":"IF(S50=\"D\",VALUE(MID(B50,3,255)),0)","v":0},{"$f":"IF(M50=0,100%,MIN(1,M50/E50))","v":1},{"$f":"IFERROR(VLOOKUP(S50,$R$43:$S$45,2,),\"\")","v":"A"},"Percentage",null,{"$f":"CHAR(64+COLUMN(K50))","v":"K"}]
[null,{"$f":"+Q33","v":"PL "},null,null,{"$f":"+Q32","v":15000},null,{"$f":"IF(Krediet2,E51,0)","v":0},{"$f":"IF(S51=\"D\",100,K37)","v":7},null,{"$f":"+Q35","v":9},{"$f":"+Q34","v":0.08},{"$f":"+Q37","v":11},{"$f":"+E51","v":15000},null,{"$f":"'Vrije Keuze'!O34","v":0},{"$f":"'Vrije Keuze'!P34","v":0},{"$f":"IF(S51=\"D\",BijAlgOvg!X3,0)","v":0},false,{"$f":"LEFT(B51,1)","v":"P"},{"$f":"IF(S51=\"D\",VALUE(MID(B51,3,255)),0)","v":0},{"$f":"IF(M51=0,100%,MIN(1,M51/E51))","v":1},{"$f":"IFERROR(VLOOKUP(S51,$R$43:$S$45,2,),\"\")","v":"A"},"Extra",null,{"$f":"CHAR(64+COLUMN(P50))","v":"P"},{"$f":"CHAR(64+COLUMN(O50))","v":"O"},{"$f":"CHAR(64+COLUMN(R50))","v":"R"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aftrekbaar",null,null,null,{"$f":"CHAR(64+COLUMN(U49))","v":"U"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afsl direct"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoofdsom",null,{"$f":"CHAR(64+COLUMN(G50))","v":"G"}]

{"sheet":"AO en WW","index":26,"n_rows":63,"n_cols":11,"rows_kept":63,"cut":false,"hidden":true,"merged":[[13,1,13,5],[18,1,18,5],[3,2,3,5],[40,1,40,5]]}
[]
[null,{"$f":"Algemeen!B2","v":"Welkom, "}]
[]
[]
[null,"Naam 1e aanvrager",{"$f":"Algemeen!E6","v":0},null,"Naam 2e aanvrager",{"$f":"Algemeen!M6","v":0}]
[null,"Geboortedatum",{"$f":"Algemeen!E7","v":"00:00:00"},null,"Geboortedatum",{"$f":"Algemeen!M7","v":"00:00:00"}]
[null,"Leeftijd",{"$f":"Algemeen!E8","v":0},null,"Leeftijd",{"$f":"Algemeen!M8","v":"-1 jaar"}]
[]
[null,"Toetsinkomen voor de AO/WW berekening",{"$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'!H50)","v":1},null,"GHF hypotheek bij 70 % inkomen",{"$f":"IF(AlgemeenOUD!F10>0,'Maximale verstrekking'!J50,0)","v":0},null,null,null,1]
[null,"Nieuwe hypotheeksom",{"$f":"AlgemeenOUD!C27","v":0},null,"Nieuwe hypotheeksom",{"$f":"C11","v":0}]
[null,{"$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 !!"},null,null,{"$f":"IF(F10<F11,\"Hoogte AO inkomen voor GHF hypotheek !\",\"Hypotheek t.o.v. inkomen is reeds passend !!\")","v":"Hypotheek t.o.v. inkomen is reeds passend !!"}]
[null,"Maximale hypotheek met AO INKOMEN",{"$f":"IF(C9>=C11,C9,'Maximale verstrekking'!I50)","v":0},null,"Maximale hypotheek met AO INKOMEN",{"$f":"'Maximale verstrekking'!K50","v":30981.101145902561}]
[]
[null,"AO Aanvulling:",null,null,{"$f":"IF(AlgemeenOUD!C7>1,\"AO Aanvulling:\",0)","v":0}]
[null,"Aanvulling pj AO 35% - 80%",null,null,"Aanvulling pj AO 35% - 80%"]
[null,"Aanvulling pj bij AO > 80%",null,null,"Aanvulling pj bij AO > 80%"]
[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,{"$f":"IF(AlgemeenOUD!C9>57,\"Geen dekking mogelijk, u bent ouder dan 57 jaar\",\"Premie pm voor 1e aanvrager 30 % terugval:\")","v":"Premie pm voor 1e aanvrager 30 % terugval:"},null,null,{"$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,"PREMIE Dekking AO",{"$f":"IF(AlgemeenOUD!C9>57,0,IF(AlgemeenOUD!C10=0,0,Callas!E83))","v":0},null,"PREMIE Dekking AO",{"$f":"Callas!T83","v":2.2902370328761066}]
[null,"PREMIE Dekking WW",{"$f":"IF(AlgemeenOUD!C9>57,0,Callas!F83)","v":0.30198616145679597},null,"PREMIE Dekking WW",{"$f":"Callas!U83","v":0.1118193149238933}]
[null,"Te verzekeren AO",{"$f":"IF(AlgemeenOUD!C9>57,0,'AO uitvoer'!C40:D40)","v":0},{"$f":"IF(C27<125,\"*\",0)","v":"*"},"Te verzekeren AO",{"$f":"'AO uitvoer'!E40","v":0},{"$f":"IF(F27<125,\"*\",0)","v":"*"},null,null,null,1000]
[null,"Te verzekeren WW",{"$f":"IF(AlgemeenOUD!C9>57,0,'WW uitvoer'!C22:D22)","v":0},{"$f":"IF(C28<125,\"*\",0)","v":"*"},"Te verzekeren WW",{"$f":"'WW uitvoer'!E22","v":0},{"$f":"IF(F28<125,\"*\",0)","v":"*"},null,null,null,1500]
[null,{"$f":"IF('AO uitvoer'!H44>0.95,\"Hypotheeksom > 95% t.o.v. verantwoord\",\"Premie pm voor 1e aanvrager GEDRAGSCODE:\")","v":"Hypotheeksom > 95% t.o.v. verantwoord"},null,null,{"$f":"IF('AO uitvoer'!H44>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,2000]
[null,{"$f":"IF('AO uitvoer'!H44>0.95,\"Hypotheek > 95% t.o.v. verantwoord\",\"PREMIE Dekking AO\")","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(C32=\"X\",\"X\",Callas!E90)","v":2.3430216335432039},null,{"$f":"B30","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(F32=\"X\",\"X\",Callas!T90)","v":2.2902370328761066},null,null,null,null,2500]
[null,{"$f":"IF('AO uitvoer'!H44>0.95,\"Hypotheek > 95% t.o.v. verantwoord\",\"PREMIE Dekking WW\")","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(C33=\"X\",\"X\",Callas!F90)","v":0.30198616145679597},null,{"$f":"B31","v":"Hypotheek > 95% t.o.v. verantwoord"},{"$f":"IF(F33=\"X\",\"X\",Callas!U90)","v":0.1118193149238933}]
[null,{"$f":"IF(D32=\"*\",\"Minimale AO dekking is € 125\",\"Te verzekeren AO\")","v":"Minimale AO dekking is € 125"},{"$f":"IF('AO uitvoer'!H44>0.95,0,IF(OR(AlgemeenOUD!C10=\" \",AlgemeenOUD!F35=0),0,'AO uitvoer'!C59:D59))","v":0},{"$f":"IF(C32<125,\"*\",0)","v":"*"},{"$f":"IF(G32=\"*\",\"Minimale AO dekking is € 125\",\"Te verzekeren AO\")","v":"Minimale AO dekking is € 125"},{"$f":"IF('AO uitvoer'!H44>0.95,0,IF(OR(AlgemeenOUD!C10=0,AlgemeenOUD!F35=0),0,'AO uitvoer'!E59))","v":0},{"$f":"IF(F32<125,\"*\",0)","v":"*"}]
[null,{"$f":"IF(D33=\"*\",\"Minimale WW dekking is € 125\",\"Te verzekeren WW\")","v":"Minimale WW dekking is € 125"},{"$f":"IF('AO uitvoer'!H44>0.95,0,IF(OR(AlgemeenOUD!C10=\" \",AlgemeenOUD!F35=0),0,'WW uitvoer'!C40:D40))","v":0},{"$f":"IF(C33<125,\"*\",0)","v":"*"},{"$f":"IF(G33=\"*\",\"Minimale WW dekking is € 125\",\"Te verzekeren WW\")","v":"Minimale WW dekking is € 125"},{"$f":"IF('AO uitvoer'!H44>0.95,0,IF(OR(AlgemeenOUD!C10=0,AlgemeenOUD!F35=0),0,'WW uitvoer'!E40))","v":0},{"$f":"IF(F33<125,\"*\",0)","v":"*"}]
[null,"Maximaal uit te keren dekking verzekeraar = >",2500]
[]
[null,false]
[null,{"$f":"IF(C37<125,\"Minimale premie € 125\",\"Welke AO dekking is gewenst\")","v":"Welke AO dekking is gewenst"},125,null,{"$f":"IF(F37<125,\"Minimale premie € 125\",\"Welke AO dekking is gewenst\")","v":"Welke AO dekking is gewenst"},125]
[null,"Premie",{"$f":"'Callas handmatig'!E83","v":2.3430216335432039},null,"Premie",{"$f":"'Callas handmatig'!T83","v":2.2902370328761066}]
[null,{"$f":"IF(C39<125,\"Minimale premie € 125\",\"Welke WW dekking is gewenst\")","v":"Welke WW dekking is gewenst"},125,null,{"$f":"IF(F39<125,\"Minimale premie € 125\",\"Welke WW dekking is gewenst\")","v":"Welke WW dekking is gewenst"},125]
[null,"Premie",{"$f":"'Callas handmatig'!F83","v":0.30198616145679597},null,"Premie",{"$f":"'Callas handmatig'!U83","v":0.1118193149238933}]
[]
[]
[null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C7=3,OR(C33<125,C32<125,F32<125,F33<125,C27<125,C28<125,F27<125,F28<125),IF(leeftijd1=1,OR('AO en WW'!C27<125,'AO en WW'!C28<125,'AO en WW'!C32<125,'AO en WW'!C33<125)))","v":false}]
[]
[]
[]
[null,null,"Ja"]
[null,98,1]
[null,{"$f":"B48+1","v":99},{"$f":"C48+1","v":2}]
[null,{"$f":"B49+1","v":100},{"$f":"C49+1","v":3}]
[null,101,4]
[null,102,5]
[null,103,6]
[null,104,7]
[null,105,8]
[null,106,9]
[null,107,10]
[null,108,11]
[null,109,12]
[null,110,13]
[null,111,14]
[null,112,15]
[null,113,16]

{"sheet":"OverlijdenOUD","index":27,"n_rows":44,"n_cols":256,"rows_kept":44,"cut":false,"hidden":true,"merged":[[2,2,2,5]]}
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[]
[]
[]
[null,"Naam 1e",{"$f":"'AO en WW'!C5","v":0},null,"Naam 2e",{"$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]
[]
[null,{"$f":"\"Nabestaandenpensioen voor \"&AlgemeenOUD!F6","v":"Nabestaandenpensioen voor 0"},{"$f":"Overlijden!E23","v":0},null,{"$f":"\"Nabestaandenpensioen voor \"&AlgemeenOUD!C6","v":"Nabestaandenpensioen voor 0"},{"$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 0"},{"$f":"Overlijden!M24","v":0}]
[null,{"$f":"\"Compensatie sociale premies \"&AlgemeenOUD!F6","v":"Compensatie sociale premies 0"},{"$f":"Overlijden!E25","v":0},null,{"$f":" \"Compensatie sociale premies \"&AlgemeenOUD!C6","v":"Compensatie sociale premies 0"},{"$f":"Overlijden!M25","v":0},null,null,null,null,null,null,"Verzekering 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL","2e dekking",null,"Dalende",null,null,null,null,null,"Leven"]
[null,"Recht op wettelijk ANW ?",{"$f":"IF(Overlijden!B88=1,1,2)","v":1},null,"Recht op wettelijk ANW ?",{"$f":"IF(Overlijden!B89=1,1,2)","v":1},null,null,null,null,null,null,"Soort dekking"]
[null,"TOTAAL INKOMEN voor de CHF toetsing",{"$f":"'ORV advies'!B13","v":0},null,"TOTAAL INKOMEN voor de CHF toetsing",{"$f":"'ORV advies'!E13","v":0},null,null,null,null,null,null,"Dalings%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Correctie",{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK15,0)","v":0},{"$f":"AL15+AN15+AT15","v":0},{"$f":"'ORV verloop'!X19","v":0},{"$f":"IF(C$27>0,IF(F$29>=AO15,C$27,0))","v":false},{"$f":"IF(F$25>=AO15,C$22,0)","v":0},1,"Eerste aanvrager",1,{"$f":"AN15","v":0},null,{"$f":"IF('Vrije Keuze'!BD$3=0,0,IF(OverlijdenOUD!AO15<='Vrije Keuze'!BD$3,'Vrije Keuze'!AZ$3,0))","v":0}]
[null,"MAXIMALE HYPOTHEEK",{"$f":"'Maximale verstrekking'!M50","v":0},null,"Maximale hypotheek",{"$f":"'Maximale verstrekking'!N50","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bij het",{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK16,0)","v":0},{"$f":"AL16+AN16+AT16","v":0},{"$f":"'ORV verloop'!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},"Tweede aanvrager",2,null,null,{"$f":"IF('Vrije Keuze'!BD$3=0,0,IF(OverlijdenOUD!AO16<='Vrije Keuze'!BD$3,'Vrije Keuze'!AZ$3,0))","v":0}]
[null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"aanklikken",{"$f":"IF(OR(Krediet1=TRUE,Krediet2=TRUE,rschuld=TRUE),OverlijdenOUD!AK17,0)","v":0},0,{"$f":"'ORV verloop'!X21","v":0},false,0,{"$f":"AO16+1","v":3},"Beiden",3,null,null,{"$f":"IF('Vrije Keuze'!BD$3=0,0,IF(OverlijdenOUD!AO17<='Vrije Keuze'!BD$3,'Vrije Keuze'!AZ$3,0))","v":0}]
[null,"Hoogte hypotheeksom",{"$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'!X22","v":0},false,0,4,null,null,null,null,{"$f":"IF('Vrije Keuze'!BD$3=0,0,IF(OverlijdenOUD!AO18<='Vrije Keuze'!BD$3,'Vrije Keuze'!AZ$3,0))","v":0}]
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[]
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[{"$f":"AlgemeenOUD!C9&\" jaar\"","v":"0 jaar"},null,{"$f":"AlgemeenOUD!F9&\" jaar\"","v":"-1 jaar"}]
[{"$f":"AlgemeenOUD!C20","v":"Alleenstaand"},null,{"$f":"A6","v":"Alleenstaand"}]
[]
["Soort inkomen",null,{"$f":"IF(AlgemeenOUD!C7=3,\"Soort inkomen\",\" \")","v":" "}]
[{"$f":"AlgemeenOUD!C18","v":"Vast dienstverband"},null,{"$f":"IF(AlgemeenOUD!C7=2,\"\",AlgemeenOUD!F18)","v":"Vast dienstverband"}]
["Inkomen per jaar",null,{"$f":"IF(AlgemeenOUD!C7=3,A10,0)","v":0}]
[{"$f":"AlgemeenOUD!C10+AlgemeenOUD!C11","v":0},null,{"$f":"AlgemeenOUD!F10+AlgemeenOUD!F11","v":0}]
[{"$f":"IF(AlgemeenOUD!C12=0,0,\"Variabel inkomen per jaar\")","v":0},null,{"$f":"IF(AlgemeenOUD!F12,0,\"Variabel inkomen per jaar\")","v":"Variabel inkomen per jaar"}]
[{"$f":"IF(AlgemeenOUD!C12>0,AlgemeenOUD!C12,\"Er is geen variabel inkomen bekend\")","v":"Er is geen variabel inkomen bekend"},null,{"$f":"IF(AlgemeenOUD!F12>0,AlgemeenOUD!F12,\"Er is geen variabel inkomen bekend\")","v":"Er is geen variabel inkomen bekend"}]
[]
[{"$f":"IF(AlgemeenOUD!C15=0,0,\"Netto maandinkomen € \"&AlgemeenOUD!C15)","v":0},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"}]
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[]
["Verantwoorde hypotheek gezamenlijk"]
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[]
["Spaarsaldo",null,{"$f":"IF(AlgemeenOUD!C21=0,\"Er is geen spaarsaldo aanwezig of is nihil\",AlgemeenOUD!C21)","v":500}]
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[]
["Spaarbedrag per maand",null,{"$f":"IF(AlgemeenOUD!C22=0,\"Er wordt maandelijks nihil gespaard\",AlgemeenOUD!C22)","v":"Er wordt maandelijks nihil gespaard"}]
["Huidige woonlast",null,{"$f":"AlgemeenOUD!C23","v":0}]
[]
[]
["Reden aangaan nieuwe hypotheek"]
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["Nog onbekend"]
["Aegon"]
["Argenta"]
["BLG"]
["BND"]
["Callas"]
["Cardif"]
["Centraal Beheer"]
["Dazure"]
["DELA"]
["Delta Lloyd"]
["ERASMUS"]
["Florius"]
["Generali"]
["Klaverblad"]
["Legal & General"]
["Reaal "]
["TAF"]
["Woonfonds"]

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["Logo CalFin"]
["Logo VBA 1"]
["Logo VBA 2"]
["Logo Hypotheek4You"]
["Logo VLIEG GeldXpert"]
["ABN"]
["AEGON"]
["Argenta"]
["ATTENS"]
["BijBouwe"]
["Centraal Beheer"]
["BLG"]
["Delta Lloyd"]
["Florius"]
["HypoTrust"]
["ING"]
["IQWoon"]
["KNAB"]
["Lloyds"]
["Merius"]
["MUNT"]
["Nat.Ned."]
["NIBC"]
["Obvion"]
["Rabobank"]
["SNS Bank"]
["Syntrus"]
["Triodos"]
["Tulp"]
["Venn"]
["Woonfonds"]

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[]
[null,{"$f":"Algemeen!B2","v":"Welkom, "}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Krediet 1","Krediet 2"]
[]
[]
[null,"Naam 1e aanvrager",null,null,{"$f":"Algemeen!E6","v":0},null,null,null,null,"Naam 2e aanvrager",null,null,{"$f":"Algemeen!M6&\"\"","v":""},null,null,null,null,null,null,null,null,"PL ",1,{"$f":"IF(AND(#REF!=1,#REF!>0,#REF!>0),PMT(#REF!/12,#REF!*12,-K34),0)","v":{"$error":"#REF!"}},{"$f":"IF(AND(#REF!=1,#REF!>0,#REF!>0),PMT(#REF!/12,#REF!*12,-Q34),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":"K34*(#REF!/12)","v":{"$error":"#REF!"}},{"$f":"Q34*(#REF!/12)","v":{"$error":"#REF!"}}]
[null,null,null,null,{"$f":"Algemeen!E8","v":0},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,{"$f":"K34*1%","v":0},{"$f":"Q34*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":"K34*1.5%","v":0},{"$f":"Q34*1.5%","v":0}]
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[]
[null,"Burgerlijke status",null,null,"Alleenstaand"]
[]
[null,"Huige woonsituatie"]
[]
[null,"Beroep",null,null,null,null,null,null,null,"Beroep"]
[null,"Dienstverband",null,null,null,null,null,null,null,"Dienstverband"]
[]
[]
[]
[null,{"$f":"\"Nabestaande voorziening voor partner (\"&M6&\")\"","v":"Nabestaande voorziening voor partner ()"},null,null,null,null,null,null,null,{"$f":"\"Nabestaande voorziening voor partner (\"&E6&\")\"","v":"Nabestaande voorziening voor partner (0)"}]
[]
[null,"Nabestaanden pensioen",null,null,null,null,null,null,null,"Nabestaanden pensioen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,2]
[null,"ANW regeling",null,null,null,null,null,null,null,"ANW regeling"]
[null,"Compensatie sociale premies",null,null,null,null,null,null,null,"Compensatie sociale premies",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"eerste",{"$f":"IF(E47=\"Eerste aanvrager\",E38,IF(E47=\"Tweede aanvrager\",0,IF(E47=\"Beiden\",E38)))","v":false}]
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[null,{"$f":"IF(B88=1,\"1e aanvrager recht op ANW?\",\"U hebt recht op ANW\")","v":"1e aanvrager recht op ANW?"},null,null,"Nee",{"$f":"\"      (dropdown)\"","v":"      (dropdown)"},null,null,null,{"$f":"IF(B89=1,\"2e aanvrager recht op ANW?\",\"U hebt recht op ANW\")","v":"2e aanvrager recht op ANW?"},null,null,"Nee ",{"$f":"\"      (dropdown)\"","v":"      (dropdown)"}]
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[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,{"$f":"IF(M47=\"Eerste aanvrager\",0,IF(M47=\"Tweede aanvrager\",M38,IF(M47=\"Beiden\",M38)))","v":false}]
[null,"Dan is maximale hypotheek",null,null,{"$f":"OverlijdenOUD!C16","v":0},null,null,null,null,"Dan is maximale hypotheek",null,null,{"$f":"OverlijdenOUD!F16","v":0}]
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[null,"Adviesdekking op leven partner",null,null,{"$f":"OverlijdenOUD!C19","v":"Geen aanvullend advies"},null,null,null,null,"Adviesdekking op leven partner",null,null,{"$f":"IF(OverlijdenOUD!F19=0,\"Geen aanvulling nodig\",OverlijdenOUD!F19)","v":"Geen aanvullend advies"},null,null,null,null,null,null,null,1,"PL ","A","Annuïteit",1]
[]
[null,"Premie adviesdekking partner",null,null,null,null,null,null,null,"Premie adviesdekking partner",null,null,null,null,null,null,null,null,null,null,2,"Rentekrediet",null,"Lineair",2]
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[null,{"$f":"IF(B93=FALSE,\"Verzekering toevoegen\",\"Kenmerken dekking overlijdensrisicoverzekering\")","v":"Verzekering toevoegen"},null,null,null,null,null,null,null,{"$f":"IF(B94=TRUE,\"    Kenmerken dekking overlijdensrisicoverzekering\",\"    Dekking toevoegen\")","v":"    Dekking toevoegen"}]
[]
[null,{"$f":"IF(AlgemeenOUD!C7=1,\"Dekking overlijden\",\"Werkelijke dekking\")","v":"Dekking overlijden"},null,null,null,null,null,null,null,"Dekking"]
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[null,"Soort dekking (dropdown)",null,null,null,null,null,null,null,"Soort dekking (dropdown)"]
[null,"Werkelijke dekking"]
[null,"Werkelijke premie"]
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[null,"Looptijd in jaren",null,null,null,null,null,null,null,"Looptijd in jaren"]
[null,{"$f":"IF(E45>E44,\"Looptijd korter dan premieduur\",\"Premiebetaling in jaren\")","v":"Premiebetaling in jaren"},null,null,null,null,null,null,null,"Premieduur in jaren"]
[null,"Dalingspercentage",null,null,null,null,null,null,null,"Dalingspercentage"]
[null,"Verzekerde (dropdown)",null,null,null,null,null,null,null,"Verzekerde (dropdown)"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["aow zelf 1",false]
["Jaren korting",false]
[]
["aow zelf 2",false]
["Jaren korting",false]
[]
[]
[]
[]
[]
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["anw 2e",{"$f":"VLOOKUP(M27,Overlijden!E92:F93,2,FALSE)","v":1},null,null,"Nee",1]
[null,null,null,null,"Ja",2]
["Code verzekering",{"$f":"IF(E40=0,,VLOOKUP(E40,Gegevens!B295:C297,2,FALSE))","v":0}]
[null,null,null,null,"Nee ",1]
["1e verzekering",false,null,null,"Ja",2]
["2e verzekering",false]
[]
["Verzekerd",{"$f":"IF(M39=0,0,VLOOKUP(M39,OverlijdenOUD!AP15:AQ17,2,FALSE))","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,null,"Krediet 1","Krediet 2"]
[]
[]
[null,"Naam 1e aanvrager",null,null,{"$f":"Algemeen!E6","v":0},null,null,null,null,"Naam 2e aanvrager",null,null,{"$f":"Algemeen!M6&\"\"","v":""},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,{"$f":"Algemeen!E8","v":0},null,null,null,null,null,null,{"$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},{"$f":"Q32*1%","v":0}]
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[]
[null,"Burgerlijke status",null,null,"Alleenstaand"]
[]
[null,"Huige woonsituatie"]
[]
[null,"Beroep",null,null,null,null,null,null,null,"Beroep"]
[null,"Dienstverband",null,null,null,null,null,null,null,"Dienstverband"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,true]
[]
[]
[null,"Pensioenuitvoerder",null,null,"Bruto per jaar",null,null,null,null,"Pensioenuitvoerder",null,null,"Bruto per jaar"]
[]
[]
[]
[]
[]
[]
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[null,"AOW zelf invullen",null,null,null,null,null,null,null,"AOW zelf invullen"]
[null,"Korting",null,"Aantal jaar?",null,null,null,null,null,"Korting",null,"Aantal jaar?",null,null,null,null,null,null,null,null,2,"Rentekrediet",null,"Lineair",2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"DK 1%","D","Aflosvrij",3]
[null,"TOTAAL pensioeninkomen pj",null,null,{"$f":"'Pensioen uitvoer'!B16","v":14783.400000000001},null,null,null,null,"TOTAAL pensioeninkomen pj",null,null,{"$f":"'Pensioen uitvoer'!E16","v":10214.759999999998},null,null,null,null,null,null,null,4,"DK 1,5%","D"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"DK 2%","D"]
[null,"Huidig netto inkomen pm",null,null,null,null,null,null,null,"Huidig netto inkomen pm"]
[null,"Geschat netto pensioen pm",null,null,{"$f":"'Pensioen uitvoer'!B23","v":1046.9668666666669},null,null,null,null,"Geschat netto pensioen pm",null,null,{"$f":"'Pensioen uitvoer'!E23","v":730.44389666666655}]
[]
[null,"Hypotheek bij aanvang",null,null,{"$f":"Algemeen!E41","v":0},null,null,null,null,{"$f":"IF(T20=FALSE,\"Vul maandlast krediet(en) in\",\"Krediet(en) op pensioendatum\")","v":"Vul maandlast krediet(en) in"},null,null,true]
[null,"Hypotheekstand pensioendatum"]
[]
[]
[]
[]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$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?",null,null,"Stand 67e?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aftrekbaar",null,null,null,{"$f":"CHAR(64+COLUMN(U49))","v":"U"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afsl direct"]
[null,"Hypotheekgegevens pensioendatum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hoofdsom",null,{"$f":"CHAR(64+COLUMN(G50))","v":"G"}]
[]
[null,"Toetsrente",null,null,{"$f":"PensioenOUD!C25","v":0.05}," 100% BOX 1",null,null,null,"Toetsrente",null,null,{"$f":"PensioenOUD!F25","v":0.05}," 100% BOX 3"]
[null,{"$f":"PensioenOUD!B26","v":"Maximaal GHF "},null,null,{"$f":"PensioenOUD!C26","v":33275.997527387401},null,null,null,null,{"$f":"PensioenOUD!E26","v":"Maximaal GHF "},null,null,{"$f":"PensioenOUD!F26","v":33275.997527387342}]
[null,{"$f":"PensioenOUD!B27","v":"Verantwoorde jaarlast GFH"},null,null,{"$f":"PensioenOUD!C27","v":2143.5930000000035},null,null,null,null,{"$f":"PensioenOUD!E27","v":"Verantwoorde jaarlast GFH"},null,null,{"$f":"PensioenOUD!F27","v":2143.5929999999998}]
[null,{"$f":"PensioenOUD!B28","v":"Maximaal op basis van aflosvrij"},null,null,{"$f":"PensioenOUD!C28","v":42871.860000000066},null,null,null,null,{"$f":"PensioenOUD!E28","v":"Maximaal op basis van aflosvrij"},null,null,{"$f":"PensioenOUD!F28","v":42871.859999999993}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["aow zelf 1",false]
["Jaren korting",false]
[]
["aow zelf 2",false]
["Jaren korting",false]
[]
["Afgelost",false]

{"sheet":"Huidige hypotheek","index":33,"n_rows":110,"n_cols":89,"rows_kept":110,"cut":false,"hidden":true,"merged":[[71,4,71,13],[71,14,71,15],[102,9,102,15],[103,9,103,14],[69,4,69,5],[69,6,69,8],[69,9,69,10],[69,11,69,12],[69,13,69,14],[69,16,69,18],[68,4,68,5],[68,6,68,8],[68,9,68,10],[68,11,68,12],[68,13,68,14],[68,16,68,18],[67,4,67,5],[67,6,67,8],[67,9,67,10],[67,11,67,12],[67,13,67,14],[67,16,67,18],[66,4,66,5],[66,6,66,8],[66,9,66,10],[66,11,66,12],[66,13,66,14],[66,16,66,18],[65,4,65,5],[65,6,65,8],[65,9,65,10],[65,11,65,12],[65,13,65,14],[65,16,65,18],[64,4,64,5],[64,6,64,8],[64,9,64,10],[64,11,64,12],[64,13,64,14],[64,16,64,18],[63,4,63,5],[63,6,63,8],[63,9,63,10],[63,11,63,12],[63,13,63,14],[63,16,63,18],[62,4,62,5],[62,6,62,8],[62,9,62,10],[62,11,62,12],[62,13,62,14],[62,16,62,18],[61,4,61,5],[61,6,61,8],[61,9,61,10],[61,11,61,12],[61,13,61,14],[61,16,61,18],[60,4,60,5],[60,6,60,8],[60,9,60,10],[60,11,60,12],[60,13,60,14],[60,16,60,18],[59,4,59,5],[59,6,59,8],[59,9,59,10],[59,11,59,12],[59,13,59,14],[59,16,59,18],[58,4,58,5],[58,6,58,8],[58,9,58,10],[58,11,58,12],[58,13,58,14],[58,16,58,18],[57,4,57,5],[57,6,57,8],[57,9,57,10],[57,11,57,12],[57,13,57,14],[57,16,57,18],[56,4,56,5],[56,6,56,8],[56,9,56,10],[56,11,56,12],[56,13,56,14],[56,16,56,18],[55,4,55,5],[55,6,55,8],[55,9,55,10],[55,11,55,12],[55,13,55,14],[55,16,55,18],[54,4,54,5],[54,6,54,8],[54,9,54,10],[54,11,54,12],[54,13,54,14],[54,16,54,18],[53,4,53,5],[53,6,53,8],[53,9,53,10],[53,11,53,12],[53,13,53,14],[53,16,53,18],[52,4,52,5],[52,6,52,8],[52,9,52,10],[52,11,52,12],[52,13,52,14],[52,16,52,18],[51,4,51,5],[51,6,51,8],[51,9,51,10],[51,11,51,12],[51,13,51,14],[51,16,51,18],[50,4,50,5],[50,6,50,8],[50,9,50,10],[50,11,50,12],[50,13,50,14],[50,16,50,18],[49,4,49,5],[49,6,49,8],[49,9,49,10],[49,11,49,12],[49,13,49,14],[49,16,49,18],[48,4,48,5],[48,6,48,8],[48,9,48,10],[48,11,48,12],[48,13,48,14],[48,16,48,18],[47,4,47,5],[47,6,47,8],[47,9,47,10],[47,11,47,12],[47,13,47,14],[47,16,47,18],[46,4,46,5],[46,6,46,8],[46,9,46,10],[46,11,46,12],[46,13,46,14],[46,16,46,18],[45,4,45,5],[45,6,45,8],[45,9,45,10],[45,11,45,12],[45,13,45,14],[45,16,45,18],[44,4,44,5],[44,6,44,8],[44,9,44,10],[44,11,44,12],[44,13,44,14],[44,16,44,18],[43,4,43,5],[43,6,43,8],[43,9,43,10],[43,11,43,12],[43,13,43,14],[43,16,43,18],[42,4,42,5],[42,6,42,8],[42,9,42,10],[42,11,42,12],[42,13,42,14],[42,16,42,18],[41,4,41,5],[41,6,41,8],[41,9,41,10],[41,11,41,12],[41,13,41,14],[41,16,41,18],[40,4,40,5],[40,6,40,8],[40,9,40,10],[40,11,40,12],[40,13,40,14],[40,16,40,18],[34,1,34,3],[34,4,34,6],[34,12,34,13],[38,4,38,5],[38,6,38,8],[38,9,38,10],[38,11,38,12],[38,13,38,14],[33,1,33,3],[33,4,33,6],[33,12,33,13],[27,1,27,3],[27,4,27,6],[28,3,28,4],[28,5,28,6],[30,1,30,15],[38,16,38,18],[25,12,25,13],[26,1,26,3],[26,4,26,6],[26,12,26,13],[23,1,23,3],[23,4,23,6],[23,12,23,13],[24,1,24,3],[24,4,24,6],[24,12,24,13],[21,78,21,80],[22,1,22,3],[22,4,22,6],[22,12,22,13],[22,43,22,44],[18,73,18,74],[19,12,19,13],[19,43,19,44],[20,1,20,3],[20,4,20,6],[20,12,20,13],[18,51,18,52],[18,55,18,56],[18,59,18,60],[18,63,18,64],[18,67,18,68],[18,70,18,71],[17,63,17,64],[17,67,17,68],[17,70,17,71],[17,73,17,74],[18,1,19,3],[18,4,19,6],[18,7,18,8],[18,10,19,10],[18,11,18,13],[18,14,18,15],[15,51,15,55],[15,56,15,59],[16,1,16,5],[16,6,16,10],[17,1,17,17],[17,51,17,52],[17,55,17,56],[17,59,17,60],[11,4,11,5],[12,4,12,5],[13,4,13,5],[14,4,14,5],[15,1,15,5],[15,6,15,10],[6,52,6,56],[7,1,7,5],[7,6,7,10],[7,11,7,14],[7,15,7,18],[7,52,7,56],[4,52,4,56],[5,1,5,5],[5,9,5,10],[5,11,5,14],[5,15,5,18],[5,52,5,59],[6,1,6,5],[6,6,6,10],[6,11,6,14],[6,15,6,18],[1,1,1,17],[2,1,2,17],[3,15,3,17],[4,1,4,5],[4,6,4,10],[4,11,4,14],[4,15,4,18],[31,1,31,5],[32,1,32,5],[31,6,31,10],[32,6,32,10],[31,11,31,14],[32,11,32,14],[8,1,8,5],[8,6,8,10],[8,11,8,14],[8,15,8,18],[9,11,9,14],[10,1,10,5],[21,1,21,3],[21,4,21,6],[21,12,21,13],[25,1,25,3],[25,4,25,6]]}
[]
[]
[null,{"$f":"Gegevens!I6","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Geen premie"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AQ21","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Invoegen 1 premie"]
[null,{"$f":"Annuiteit!B5","v":"Hypotheeksom"},null,null,null,null,{"$f":"SUM(E21:F28)","v":0},null,null,null,null,"(Hoogste)IB-tarief",null,null,null,{"$f":"'BIJHuidige hypotheek'!BR5","v":0.36549999999999999},null,null,null,null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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,"Invoegen 2 premies"]
[null,"Netto betaald (excl. aflossing)",null,null,null,null,"Na",30,"jr:",{"$f":"SUM(OFFSET(AF41,0,0,H6,1))*12","v":5220},null,"Onderhoud",null,null,null,"Geen",null,null,null,null,null,null,null,"Lineair",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"WOZ Waarde",null,null,null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"IF(CI30>0,CI30,IF(AND(AlgemeenOUD!F29=0,CI30=0),\"Geen\",AlgemeenOUD!F29))","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:"]
[null,{"$f":"AlgemeenOUD!E51","v":"Marktwaarde"},null,null,null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan."]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,\"Bijtelling auto van de zaak\",0)","v":0},null,null,null,{"$f":"IF(AlgemeenOUD!D52=1,AlgemeenOUD!C52*AlgemeenOUD!C53,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I."]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"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,null,null,null,null,null,{"$f":"IF(ISERROR('BIJHuidige hypotheek'!AT1),\"U kunt maar één bankspaar regel invoeren!\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI16*CH16","v":0},{"$f":"+CJ16*CG16","v":0}]
[null,{"$f":"IF(G16>0,\"Premie banksparen\",\"Premie volgt na invullen 1e storting\")","v":"Premie volgt na invullen 1e storting"},null,null,null,null,{"$f":"IF(G16>0,'BIJHuidige hypotheek'!AT12,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI17*CH17","v":0},{"$f":"+CJ17*CG17","v":0}]
[null,"Let op; fiscaliteiten in het jaar van afsluiten kunnen de netto maandlasten beëinvloeden!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vast",null,{"$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}]
[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,{"$f":"CHAR(64+COLUMN(W22))","v":"W"},null,null,null,null,null,null,{"$f":"'Financiële Gegevens'!$C$49","v":0.05},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente scenario",null,null,null,"Rente scenario",null,null,null,"Rente scenario",null,null,null,"Rente scenario",null,null,null,"Rente scenario",null,null,"Rente scenario",null,null,"Rente scenario",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI19*CH19","v":0},{"$f":"+CJ19*CG19","v":0}]
[null,null,null,null,null,null,null,"Jr","Mnd","Vast",null,"Jaren","Bedrag",null,"Jaar","Aflossing",null,"Ja",null,null,null,null,{"$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"},{"$f":"CHAR(64+COLUMN(L23))","v":"L"},null,"Jaar van ingang",null,null,"Max Verst",{"$f":"'Maximale verstrekking'!W49","v":166.31324999309803},null,null,null,null,null,"=C1",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,"In jaar","Rente%",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI20*CH20","v":0},{"$f":"+CJ20*CG20","v":0}]
[1,null,null,null,null,null,null,30,null,30,{"$f":"uw_gekozen_rente","v":0.05},{"$f":"H21+(I21>0)*1","v":30},{"$f":"E21","v":0},null,null,null,null,{"$f":"IF(AND(B21=\"\",E21<>0),\"Kies de hypotheekvorm\",\"\")","v":""},null,null,null,null,{"$f":"IF(B21=$X$7,\"\",UPPER(LEFT(B21,1)))","v":""},{"$f":"IF(M21=0,100%,MIN(1,M21/E21))","v":1},{"$f":"IF(LEN($Y$20)<>LEN(SUBSTITUTE($Y$20,W21,\"\")),H21+I21/12,30)","v":30},false,{"$f":"'BIJHuidige hypotheek'!E15","v":0},"Percentage",null,{"$f":"CHAR(64+COLUMN(K24))","v":"K"},null,null,null,2015,null,{"$f":"IF(AND(J21>0,J21<10),IF(AH21>$AQ$30,$AQ$30,\"\"),\"\")","v":""},{"$f":"IFERROR(PMT(K21/12,Y21*12,-E21),0)","v":0},{"$f":"AND(E20>0,E21=0)*1","v":0},{"$f":"E21*Y21","v":0},{"$f":"+AM21*IF(AND(J21<>0,J21<10),$AK$19,K21)","v":0},{"$f":"MAX(0,IF(M21=0,0,E21-M21))","v":0},"toetsR",{"$f":"+AN30/AM30","v":{"$error":"#DIV/0!"}},"HLP","HLP","HLP","=Popt",null,null,null,null,null,"Verschil",null,1,{"$f":"'Financiële Gegevens'!M53-'Huidige hypotheek'!AH21","v":2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BR21","v":0},{"$f":"BS21","v":0}]
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[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"% en na \"&AZ22&\" jr \"&BA22*100&\"%\"","v":{"$error":"#VALUE!"}},{"$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":{"$error":"#VALUE!"}},{"$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":{"$error":"#VALUE!"}},{"$f":"IF(AND(AZ24>0,AZ23>0),1,0)","v":0},{"$f":"IF(C109=1,B109,0)","v":0}]
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[null,null,{"$f":"'Vrije Keuze'!B56","v":""},{"$f":"'Vrije Keuze'!C56","v":15},16,837.96760142146127,null,1039.9838217505373]
[null,null,{"$f":"'Vrije Keuze'!B57","v":""},{"$f":"'Vrije Keuze'!C57","v":16},17,867.2964674712124,null,1091.9830128380643]
[null,null,{"$f":"'Vrije Keuze'!B58","v":""},{"$f":"'Vrije Keuze'!C58","v":17},18,897.6518438327048,"Na 20 jaar ",1146.5821634799674,"Na 20 jaar "]
[null,null,{"$f":"'Vrije Keuze'!B59","v":""},{"$f":"'Vrije Keuze'!C59","v":18},19,929.06965836684935,"is betaald:",1203.911271653966,"is betaald:"]
[null,null,{"$f":"'Vrije Keuze'!B60","v":""},{"$f":"'Vrije Keuze'!C60","v":19},20,961.58709640968902,{"$f":"SUM(F10:F29)*12","v":169737.47821166716},1264.1068352366642,{"$f":"SUM(H10:H29)*12","v":198494.92247963918}]
[null,null,{"$f":"'Vrije Keuze'!B61","v":""},{"$f":"'Vrije Keuze'!C61","v":20},21,995.24264478402802,null,1327.3121769984975]
[null,null,{"$f":"'Vrije Keuze'!B62","v":""},{"$f":"'Vrije Keuze'!C62","v":21},22,1030.076137351469,null,1393.6777858484224]
[null,null,{"$f":"'Vrije Keuze'!B63","v":""},{"$f":"'Vrije Keuze'!C63","v":22},23,1066.1288021587704,null,1463.3616751408435]
[null,null,{"$f":"'Vrije Keuze'!B64","v":""},{"$f":"'Vrije Keuze'!C64","v":23},24,1103.4433102343273,null,1536.5297588978858]
[null,null,{"$f":"'Vrije Keuze'!B65","v":""},{"$f":"'Vrije Keuze'!C65","v":24},25,1142.0638260925286,null,1613.3562468427801]
[null,null,{"$f":"'Vrije Keuze'!B66","v":""},{"$f":"'Vrije Keuze'!C66","v":25},26,1182.036060005767,null,1694.0240591849192]
[null,null,{"$f":"'Vrije Keuze'!B67","v":""},{"$f":"'Vrije Keuze'!C67","v":26},27,1223.4073221059687,null,1778.7252621441653]
[null,null,{"$f":"'Vrije Keuze'!B68","v":""},{"$f":"'Vrije Keuze'!C68","v":27},28,1266.2265783796774,null,1867.6615252513736]
[null,null,{"$f":"'Vrije Keuze'!B69","v":""},{"$f":"'Vrije Keuze'!C69","v":28},29,1310.5445086229661,null,1961.0446015139423]
[null,null,{"$f":"'Vrije Keuze'!B70","v":""},{"$f":"'Vrije Keuze'!C70","v":29},30,1356.4135664247699,null,2059.0968315896394]
[]
[null,null,null,{"$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"}]

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[null,{"$f":"Gegevens!I6","v":""},null,null,null,"Zelf in te vullen:"]
[]
[null,"Aanvrager 1",{"$f":"AlgemeenOUD!C6","v":0},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,{"$f":"IF(AlgemeenOUD!C7=1,\"Reinigingsheffing alleen\",\"Reinigingsheffing gezin\")","v":"Reinigingsheffing alleen"},null,null,329,null,null,null,null,null,null,null,null,"Anders"]
[null,{"$f":"IF(AlgemeenOUD!C7=2,\"Geen inkomen 2e aanvrager\",IF(AlgemeenOUD!C7=3,\"Netto inkomen (excl. reiskosten) aanvrager 2\",IF(AlgemeenOUD!C7=1,\"Geen 2e aanvrager\")))","v":"Geen 2e aanvrager"},null,null,null,{"$f":"IF(AlgemeenOUD!C7=1,\"Rioolheffing alleen\",\"Rioolheffing gezin\")","v":"Rioolheffing alleen"},null,null,184,null,null,null,null,null,null,null,null,"Annuïteit"]
[null,"Kinderbijslag",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lineair"]
[null,"Vergoeding reiskosten",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balans"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Optimaal"]
[null,"Totaal te besteden per maand",{"$f":"SUM(C7:C11)","v":0},{"$f":"SUM(D7:D11)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[]
[null,"Uitgaven per maand","Huidige situatie","Nieuwe situatie",null,"Kies hieronder uw advies:",null,null,null,1]
[null,"Netto maandlasten (hypotheek/huur)",null,{"$f":"IF(K20=4,M17,IF(K20=5,M18,IF(K20=3,M16,IF(K20=2,M15,0))))","v":0},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":"#DIV/0!"}}]
[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$7)))))","v":0}]
[null,"Ziektekosten"]
[null,"Boodschappen"]
[null,"Autokosten (belasting/onderhoud/benzine)"]
[null,"Reiskosten / OV"]
[null,"Onderhoud woning"]
[null,"Abonnementen"]
[null,"Kleding"]
[null,"Ontspanning; uit eten / bioscoop / etc."]
[null,"Sport / Hobby / Contributie"]
[null,"Kinderen "]
[]
[]
[]
[]
[]
[null,"Totale uitgaven per maand ",{"$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,1.7000000000000001E-2]
[]
[]
[null,null,{"$f":"Gegevens!I6","v":""}]
[null,null,"Omschrijving",null,"Hypotheek",null,null,null,"  Overlijdensrisico",null,"Maandlasten",null,null,null,null,null,null,"Aflossing"]
[null,null,null,null,null,null,"Rente","Rente ","1e","2e ",null,null,null,"Comfort","TOTAAL",null,"TOTAAL"]
[null,null,null,null,"Hoofdsom","Looptijd","%","vast","Aanvrager","Aanvrager","Rente","Premie","Aflossing","Service","Bruto","Belasting","Netto",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Algemeen!E25","v":0.05},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,{"$f":"Algemeen!E26","v":5},5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W5","v":0},2.35E-2]
[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":0.05},{"$f":"Algemeen!E26&\" jr\"","v":"5 jr"},{"$f":"Overlijden!AD25+Overlijden!AD28","v":0},{"$f":"Overlijden!AE26+Overlijden!AE29","v":0},{"$f":"Annuiteit!G40/12","v":0},{"$f":"Annuiteit!O8","v":"Geen"},{"$f":"(Annuiteit!I40/12)-(IF(Annuiteit!O8=\"Geen\",0,Annuiteit!O8))","v":0},{"$f":"AlgemeenOUD!C41","v":14.5},{"$f":"Annuiteit!O40","v":14.5},{"$f":"O10-Q10","v":0},{"$f":"Annuiteit!P40","v":14.5},{"$f":"Alg_naschuif-Aflosvrij_leningdeel","v":0}]
[]
[null,null,{"$f":"IF(Aflosvrij_leningdeel>0,\"Lineair & afl.vrij\",\"Lineair\")","v":"Lineair"},null,{"$f":"E10","v":0},{"$f":"F10","v":"30 jaar"},{"$f":"AlgemeenOUD!F35","v":0.05},{"$f":"H10","v":"5 jr"},{"$f":"I10","v":0},{"$f":"J10","v":0},{"$f":"Lineair!G40/12","v":0},{"$f":"Lineair!O8","v":"Geen"},{"$f":"(Lineair!I40/12)-(IF(Lineair!O8=\"Geen\",0,Lineair!O8))","v":0},{"$f":"N10","v":14.5},{"$f":"Lineair!O40","v":14.5},{"$f":"O12-Q12","v":0},{"$f":"Lineair!P40","v":14.5},{"$f":"R10","v":0}]
[]
[null,null,"Balanshypotheek",null,{"$f":"E12","v":0},"30 jaar",0.05,"5 jr",0,0,{"$f":"Balans!G40/12","v":0},{"$f":"Balans!O8","v":"Geen"},{"$f":"(Balans!I40/12)-(IF(Balans!O8=\"Geen\",0,Balans!O8))","v":0},{"$f":"N12","v":14.5},{"$f":"Balans!O40","v":14.5},{"$f":"O14-Q14","v":0},{"$f":"Balans!P40","v":14.5},{"$f":"R12","v":0}]
[]
[null,null,"Rentebalans",null,{"$f":"Optimaalhypotheek1!K4","v":0},"30 jaar","MIX","MIX",{"$f":"I14","v":0},{"$f":"J14","v":0},{"$f":"Optimaalhypotheek1!J19/12","v":{"$error":"#DIV/0!"}},{"$f":"L14","v":"Geen"},{"$f":"Optimaalhypotheek1!K19/12","v":{"$error":"#DIV/0!"}},{"$f":"N14","v":14.5},{"$f":"Optimaalhypotheek1!N19","v":{"$error":"#DIV/0!"}},{"$f":"O16-Q16","v":{"$error":"#DIV/0!"}},{"$f":"Optimaalhypotheek1!O19","v":{"$error":"#DIV/0!"}},{"$f":"Optimaalhypotheek1!K4","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,{"$f":"(VLOOKUP(AlgemeenOUD!A16,Gegevens!A299:B302,2))*100","v":42}]
[null,null,"Financieringsopzet",null,null,"TERUG",null,"Uitgangspunten berekening "]
[null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C16=52%,'Financiële Gegevens'!M39,AlgemeenOUD!C16)","v":0.36549999999999999},null,{"$f":"IF(AlgemeenOUD!C28>0,\"Lopende kredietlast pm\",\" \")","v":" "},null,null,{"$f":"IF(AlgemeenOUD!C28>0,AlgemeenOUD!C28,0)","v":0},null,{"$f":"IF(AlgemeenOUD!F27=\"Logo CalFin\",\" \",IF(AlgemeenOUD!F27=\"Logo VBA 1\",\" \",IF(AlgemeenOUD!F27=\"Logo VBA 2\",\" \",IF(AlgemeenOUD!F27=\"Logo Hypotheek4You\",\" \",IF(AlgemeenOUD!F27=\"Logo VLIEG GeldXpert\",\" \",\"Advies op basis van gekozen geldverstrekker:\")))))","v":" "}]
[null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Koopsom KK\",IF(AlgemeenOUD!$C$48=2,\"Koopsom VON\",IF(AlgemeenOUD!$C$48>2,\"Restschuld hypotheek\")))","v":"Koopsom KK"},null,{"$f":"AlgemeenOUD!C50","v":0},null,null,{"$f":"\"Inkomen \"&AlgemeenOUD!$C$6","v":"Inkomen 0"},null,null,{"$f":"AlgemeenOUD!C13","v":14783.400000000001}]
[null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Overdrachtsbelasting 2%\",IF(AlgemeenOUD!C48=2,\"Meerwerk\",\"Boete *\"))","v":"Overdrachtsbelasting 2%"},null,{"$f":"IF(AND(Algemeen!E32=\"Aankoop nieuwbouw woning\",Algemeen!V38=TRUE),Algemeen!H38,IF(AlgemeenOUD!C48=1,'Voorstel HOR'!E29*2%,0))","v":0},{"$f":"IF(AlgemeenOUD!C48>2,'Voorstel HOR'!E30*'Voorstel HOR'!F28,\" \")","v":" "},null,{"$f":"IF(AlgemeenOUD!C7=2,\"Inkomen \"&AlgemeenOUD!F6,IF(AlgemeenOUD!C7=3,\"Inkomen \"&AlgemeenOUD!F6,\" \"))","v":" "},null,null,{"$f":"IF(AlgemeenOUD!C7=2,\"X\",AlgemeenOUD!F13)","v":0}]
[null,null,"Advies en bemiddeling *",null,{"$f":"AlgemeenOUD!F48","v":0},{"$f":"E31*F28","v":0}]
[null,null,"Notaris: hypotheekakte *",null,795,{"$f":"E32*F28","v":290.57249999999999},null,{"$f":"IF(Algemeen!A37=TRUE,\"WOZ (loket) waarde\",\"WOZ waarde\")","v":"WOZ waarde"},null,null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,null,{"$f":"IF(nhg=TRUE,\"NHG Borg (1%) *\",0)","v":0},null,{"$f":"IF(nhg=TRUE,AlgemeenOUD!C27*1%,0)","v":0},{"$f":"F28*E33","v":0},null,{"$f":"AlgemeenOUD!E51","v":"Marktwaarde"},null,null,{"$f":"AlgemeenOUD!F51","v":0}]
[null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Taxatie *\",IF(AlgemeenOUD!C48>2,\"Taxatie *\",\" \"))","v":"Taxatie *"},null,{"$f":"IF(AlgemeenOUD!C48=2,0,495)","v":495},{"$f":"F28*E34","v":180.92249999999999},null,"Verhouding marktwaarde/hyp.",null,null,{"$f":"IF(AND(Alg_naschuif>0,AlgemeenOUD!F51>0),'Voorstel HOR'!E43/'Voorstel HOR'!K33,0)","v":0}]
[null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Notaris: akte van levering\",\" \")","v":"Notaris: akte van levering"},null,{"$f":"IF(AlgemeenOUD!C48=1,795,0)","v":795}]
[null,null,{"$f":"IF(AlgemeenOUD!C48=1,\"Bouwtechnische keuring\",\" \")","v":"Bouwtechnische keuring"},null,{"$f":"IF(AlgemeenOUD!C48=1,325,0)","v":325},{"$f":"IF(E33>0,E36*F28,0)","v":0},null,"Nieuwe hypotheeksom",null,null,null,null,null,null,{"$f":"Picture","v":0}]
["Toevoegen:",null,{"$f":"IF(AlgemeenOUD!C48=1,\"Bankgarantie\",\" \")","v":"Bankgarantie"},null,{"$f":"IF(AlgemeenOUD!C48=1,(MAX(295,Alg_naschuif*0.1%)),0)","v":295},null,null,"Box 1 (rente aftrekbaar)",null,null,{"$f":"AlgemeenOUD!C27-K38","v":0}]
[null,null,{"$f":"IF(AND(Algemeen!E32=\"Aankoop nieuwbouw woning\",Algemeen!V38=TRUE),\"\",IF(Algemeen!V38=TRUE,\"Verbouwing\",A38))","v":0},null,{"$f":"IF(Algemeen!E32=\"Aankoop nieuwbouw woning\",0,IF(Algemeen!V38=TRUE,Algemeen!H38,IF(C38=\"Overbrugging\",-5000,0)))","v":0},null,null,{"$f":"IF(AlgemeenOUD!F29=0,\"Alle rente is aftrekbaar\",\"Box 3 (rente niet aftrekbaar)\")","v":"Alle rente is aftrekbaar"},null,null,{"$f":"AlgemeenOUD!F29","v":0}]
[null,null,{"$f":"A39","v":0},null,{"$f":"IF(C39=\"Overbrugging\",-5000,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inleg of ontvangen"]
[null,null,{"$f":"A40","v":0},null,{"$f":"IF(C40=\"Overbrugging\",-5000,0)","v":0},null,null,{"$f":"\"Verantwoorde hypotheek \"&AlgemeenOUD!D35","v":"Verantwoorde hypotheek 2017"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"som",{"$f":"SUM(E29:E41)","v":2705}]
[null,null,{"$f":"A41","v":0},null,{"$f":"IF(C41=\"Overbrugging\",-5000,0)","v":0},null,null,{"$f":"IF(AlgemeenOUD!F43<3,\"Werkelijke rente\",\"Werkelijke toetsrente\")","v":"Werkelijke toetsrente"},null,{"$f":"IF(AlgemeenOUD!F43<3,AlgemeenOUD!E35,IF(AlgemeenOUD!F43>2,AlgemeenOUD!E35))","v":0.05},{"$f":"IF(AlgemeenOUD!C7=3,AlgemeenOUD!C35,AlgemeenOUD!C39)","v":0},{"$f":"IF(J41>uw_gekozen_rente,\"=> Door een opslag op het aflosvrije deel is de toetsrente hoger\",0)","v":0},null,null,null,null,null,null,null,null,null,null,"hypohteek",{"$f":"Alg_naschuif","v":0}]
[null,null,{"$f":"IF(X42<0,\"Inleg eigen middelen\",IF(X42>0,\"Te ontvangen\",\" \"))","v":"Inleg eigen middelen"},null,{"$f":"X42","v":-2705},null,null,{"$f":"IF(AlgemeenOUD!F43>1,\"Wettelijke toetsrente\",\" \")","v":"Wettelijke toetsrente"},null,{"$f":"IF(AlgemeenOUD!F43>1,'Financiële Gegevens'!C49,\" \")","v":0.05},{"$f":"IF(J42=5%,IF(AlgemeenOUD!C7=3,'Maximale verstrekking'!U50,'Maximale verstrekking'!V50),\" \")","v":30981.101145902561},null,null,null,null,null,null,null,null,"Logo CalFin",null,null,"restultaat",{"$f":"X41-X40","v":-2705}]
[null,null,"HYPOTHEEK",null,{"$f":"AlgemeenOUD!C27","v":0},{"$f":"SUM(F29:F42)","v":471.495},null,{"$f":"IF(AlgemeenOUD!C43>1,\"Optimaalrente\",\" \")","v":" "},null,{"$f":"IF(AlgemeenOUD!C43>1,ReBa!F4,\" \")","v":" "},{"$f":"IF(AlgemeenOUD!C43=1,0,'Maximale verstrekking'!S50)","v":0},null,null,null,null,null,null,null,null,null,null,null,"Invoegen"]
[null,null,{"$f":"IF(K38>0,\"Gecorrigeerde teruggave o.b.v. aftrek:\",\"\")","v":""},null,null,{"$f":"IF(AlgemeenOUD!F29>0,F43/Alg_naschuif*K37,0)","v":0}]
[]
[null,null,"* Afhankelijk van de financiering zijn de kosten niet, gedeeltelijk of geheel aftrekbaar."]
[null,null,{"$f":"IF(AlgemeenOUD!C25>1,\"Contactgegevens \",\" \" )","v":" "}]
[null,null,{"$f":"IF(K41>0,\"Gecorrigeerde teruggave o.b.v. aftrek:\",\"\")","v":""},null,null,{"$f":"IF(K41>0,F46/#REF!*K40,\" \")","v":" "}]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OFFSET(Blad1!$B$2,0,0,1,1)","v":0}]
[null,null,null,null,null,null,null,{"$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,0]
[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,"Aanvullende toelichting:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Woningverbetering"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"Meerwerk"]
[null,null,"Er wordt voor het eerst een eigen woning gekocht. Naast de hypotheeklasten zijn er ook verplicht te betalen lasten aan de gemeente waarin de woning staat. Dit is het rioolreinigingsrecht en de uitwaterende ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"Uitkoop"]
[null,null,"sluizen. In deze gemeente zijn de lasten per maand circa: € ",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,6,"Opname"]
[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,7,"Overbrugging"]
[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,8,"Uitkoop"]
[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,{"$f":"\"Fictief rentescenario; na \"&'Vrije Keuze'!AZ21&\" jr \"&'Vrije Keuze'!BA21*100&\"% en na \"&'Vrije Keuze'!AZ22&\" jr \"&'Vrije Keuze'!BA22*100&\"%\"","v":"Fictief rentescenario; na 10 jr 3% en na 20 jr 6%"},{"$f":"IF(AND('Vrije Keuze'!AZ23=0,'Vrije Keuze'!AZ22>0),1,0)","v":1},{"$f":"IF(D21=1,C21,0)","v":"Fictief rentescenario; na 10 jr 3% en na 20 jr 6%"}]
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[]
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["Nationale Nederlanden",134,2,11,"x","Automatisch",null,"1",1.9999999999999983E-3,2.9999999999999992E-3,4.0000000000000001E-3,6.0000000000000019E-3,1.0000000000000002E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1.49E-2,{"$f":"IF(ISBLANK(I11),\"\",$AB11+I11)","v":1.6899999999999998E-2},{"$f":"IF(ISBLANK(J11),\"\",$AB11+J11)","v":1.7899999999999999E-2},{"$f":"IF(ISBLANK(K11),\"\",$AB11+K11)","v":1.89E-2},{"$f":"IF(ISBLANK(L11),\"\",$AB11+L11)","v":2.0900000000000002E-2},{"$f":"IF(ISBLANK(M11),\"\",$AB11+M11)","v":2.4900000000000002E-2},{"$f":"IF(ISBLANK(N11),\"\",$AB11+N11)","v":""},{"$f":"IF(ISBLANK(O11),\"\",$AB11+O11)","v":""},{"$f":"IF(ISBLANK(P11),\"\",$AB11+P11)","v":""},{"$f":"IF(ISBLANK(Q11),\"\",$AB11+Q11)","v":""},{"$f":"IF(ISBLANK(R11),\"\",$AB11+R11)","v":""},{"$f":"IF(ISBLANK(S11),\"\",$AB11+S11)","v":""},{"$f":"IF(ISBLANK(T11),\"\",$AB11+T11)","v":""},{"$f":"IF(ISBLANK(U11),\"\",$AB11+U11)","v":""},{"$f":"IF(ISBLANK(V11),\"\",$AB11+V11)","v":""},{"$f":"IF(ISBLANK(W11),\"\",$AB11+W11)","v":""}]
["Lloyds",125,4,8,"x","Op aanvraag",null,"2",1.9999999999999983E-3,2.9999999999999992E-3,4.0000000000000001E-3,6.0000000000000019E-3,1.0000000000000002E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,2,1.54E-2,1.7399999999999999E-2,1.84E-2,1.9400000000000001E-2,2.1400000000000002E-2,2.5400000000000002E-2,"","","","","","","","","",""]
["ING",116,11,8,"x","Op aanvraag",null,"3",2.5000000000000005E-3,2.5000000000000001E-3,3.5000000000000001E-3,5.4999999999999997E-3,1.0500000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1.29E-2,1.54E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.3400000000000001E-2,"","","","","","","","","",""]
["Florius",105,5,10,"x","Op aanvraag",null,"4",2.5000000000000005E-3,2.5000000000000001E-3,3.5000000000000001E-3,5.4999999999999997E-3,1.0500000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,4,1.29E-2,1.54E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.3400000000000001E-2,"","","","","","","","","",""]
["BLG",95,3,9,"x","Op aanvraag",null,"5",2.5000000000000005E-3,2.5000000000000001E-3,3.5000000000000001E-3,5.4999999999999997E-3,1.0500000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.29E-2,1.54E-2,1.54E-2,1.6400000000000001E-2,1.84E-2,2.3400000000000001E-2,"","","","","","","","","",""]
["ASR welthuis",87,5,7,"x","Einde rentevastperiode",null,"6",5.0000000000000001E-4,1.5E-3,2.5000000000000001E-3,4.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.89E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.1399999999999999E-2,2.3400000000000001E-2,2.7400000000000001E-2,"","","","","","","","","",""]
["Argenta",72,3,14,"x","Op aanvraag",null,"7",5.0000000000000001E-4,1.5E-3,2.5000000000000001E-3,4.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,7,1.89E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.1399999999999999E-2,2.3400000000000001E-2,2.7400000000000001E-2,"","","","","","","","","",""]
["Aegon",44,3,27,"x","Op aanvraag",null,"8",5.0000000000000001E-4,1.5E-3,2.5000000000000001E-3,4.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,8,1.89E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.1399999999999999E-2,2.3400000000000001E-2,2.7400000000000001E-2,"","","","","","","","","",""]
["AbnAmro",36,3,7,"x","Op aanvraag",null,"9",5.0000000000000001E-4,1.5E-3,2.5000000000000001E-3,4.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,9,1.89E-2,1.9400000000000001E-2,2.0400000000000001E-2,2.1399999999999999E-2,2.3400000000000001E-2,2.7400000000000001E-2,"","","","","","","","","",""]
["Obvion",25,6,10,"x","Op aanvraag",null,"10",5.0000000000000001E-4,1.5E-3,2.5000000000000001E-3,4.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.9900000000000001E-2,2.0400000000000001E-2,2.1400000000000002E-2,2.24E-2,2.4400000000000002E-2,2.8400000000000002E-2,"","","","","","","","","",""]
["NIBC",10,5,14,"x","Op aanvraag",null,"12",3.0000000000000001E-3,4.0000000000000001E-3,5.0000000000000001E-3,7.0000000000000001E-3,1.0999999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,12,2.29E-2,2.5899999999999999E-2,2.69E-2,2.7900000000000001E-2,2.9899999999999999E-2,3.39E-2,"","","","","","","","","",""]
["Munt",2,4,7,"x","Automatisch",null,"15",3.0000000000000001E-3,4.0000000000000001E-3,5.0000000000000001E-3,7.0000000000000001E-3,1.0999999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.29E-2,2.5899999999999999E-2,2.69E-2,2.7900000000000001E-2,2.9899999999999999E-2,3.39E-2,"","","","","","","","","",""]
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[null,null,null,null,null,null,null,"10",-5.0000000000000044E-4,0,5.0000000000000044E-4,1.0000000000000009E-3,1.5000000000000013E-3,1.9999999999999983E-3,2.4999999999999988E-3,3.4999999999999996E-3,5.0000000000000001E-3,6.9999999999999993E-3,1.2500000000000001E-2,null,null,null,null,null,null,null,10,1.5900000000000001E-2,1.54E-2,1.5900000000000001E-2,1.6400000000000001E-2,1.6900000000000002E-2,1.7400000000000002E-2,1.7899999999999999E-2,1.84E-2,1.9400000000000001E-2,2.0900000000000002E-2,2.29E-2,2.8400000000000002E-2,"","","",""]
[null,null,null,null,null,null,null,"12",-5.0000000000000044E-4,0,5.0000000000000044E-4,1.0000000000000009E-3,1.5000000000000013E-3,2.0000000000000018E-3,2.4999999999999988E-3,3.4999999999999996E-3,5.0000000000000001E-3,6.9999999999999993E-3,1.2499999999999997E-2,null,null,null,null,null,null,null,12,2.1999999999999999E-2,2.1499999999999998E-2,2.1999999999999999E-2,2.2499999999999999E-2,2.3E-2,2.35E-2,2.4E-2,2.4499999999999997E-2,2.5499999999999998E-2,2.7E-2,2.8999999999999998E-2,3.4499999999999996E-2,"","","",""]
[null,null,null,null,null,null,null,"15",-5.0000000000000044E-4,0,5.0000000000000044E-4,1.0000000000000009E-3,1.5000000000000013E-3,1.9999999999999983E-3,2.4999999999999988E-3,3.4999999999999996E-3,5.0000000000000001E-3,7.0000000000000027E-3,1.2500000000000001E-2,null,null,null,null,null,null,null,15,2.35E-2,2.3E-2,2.35E-2,2.4E-2,2.4500000000000001E-2,2.5000000000000001E-2,2.5499999999999998E-2,2.5999999999999999E-2,2.7E-2,2.8500000000000001E-2,3.0500000000000003E-2,3.6000000000000004E-2,"","","",""]
[null,null,null,null,null,null,null,"20",-5.0000000000000044E-4,0,5.0000000000000044E-4,1.0000000000000009E-3,1.5000000000000013E-3,2.0000000000000018E-3,2.5000000000000022E-3,3.5000000000000031E-3,5.0000000000000001E-3,7.0000000000000062E-3,1.2500000000000004E-2,null,null,null,null,null,null,null,20,2.4500000000000001E-2,2.4E-2,2.4500000000000001E-2,2.5000000000000001E-2,2.5500000000000002E-2,2.6000000000000002E-2,2.6500000000000003E-2,2.7000000000000003E-2,2.8000000000000004E-2,2.9500000000000002E-2,3.1500000000000007E-2,3.7000000000000005E-2,"","","",""]
[null,null,null,null,null,null,null,"Lloyds",0.65,0.8,0.9,1.02,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lloyds","Op aanvraag",{"$f":"I125","v":0.65},0.8,0.9,1.02,0,0,0,0,0,0,0,0,0,0,0,"https://www.lloydsbank.nl/lloyds/nl/hypotheek/Rente.html"]
[null,null,null,null,null,null,null,"0",5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,1.55E-2,{"$f":"IF(ISBLANK(I126),\"\",$AB126+I126)","v":1.6E-2},1.7000000000000001E-2,1.95E-2,1.95E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"1",5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1.55E-2,1.6E-2,1.7000000000000001E-2,1.95E-2,1.95E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"5",5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.6E-2,1.6500000000000001E-2,1.7500000000000002E-2,0.02,0.02,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"6",5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.6E-2,1.6500000000000001E-2,1.7500000000000002E-2,0.02,0.02,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,{"$f":"AA130&\"\"","v":"10"},5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.6E-2,1.6500000000000001E-2,1.7500000000000002E-2,0.02,0.02,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"15",5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.0500000000000001E-2,2.1000000000000001E-2,2.2000000000000002E-2,2.4500000000000001E-2,2.4500000000000001E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"20",5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,2.1499999999999998E-2,2.1999999999999999E-2,2.3E-2,2.5499999999999998E-2,2.5499999999999998E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"30",5.0000000000000044E-4,1.5000000000000013E-3,4.0000000000000001E-3,4.0000000000000001E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,2.6499999999999999E-2,2.7E-2,2.8000000000000001E-2,3.0499999999999999E-2,3.0499999999999999E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"Nationale Nederlanden",0.9,1.02,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nationale Nederlanden","Automatisch",{"$f":"I134","v":0.9},1.02,0,0,0,0,0,0,0,0,0,0,0,0,0,"https://www.nn.nl/Particulier/Hypotheken/Hypotheekrente.htm"]
[null,null,null,null,null,null,null,"0",4.0000000000000001E-3,8.0000000000000002E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,1.4800000000000001E-2,{"$f":"IF(ISBLANK(I135),\"\",$AB135+I135)","v":1.8800000000000001E-2},{"$f":"IF(ISBLANK(J135),\"\",$AB135+J135)","v":2.2800000000000001E-2},{"$f":"IF(ISBLANK(K135),\"\",$AB135+K135)","v":1.4800000000000001E-2},{"$f":"IF(ISBLANK(L135),\"\",$AB135+L135)","v":""},{"$f":"IF(ISBLANK(M135),\"\",$AB135+M135)","v":""},{"$f":"IF(ISBLANK(N135),\"\",$AB135+N135)","v":""},{"$f":"IF(ISBLANK(O135),\"\",$AB135+O135)","v":""},{"$f":"IF(ISBLANK(P135),\"\",$AB135+P135)","v":""},{"$f":"IF(ISBLANK(Q135),\"\",$AB135+Q135)","v":""},{"$f":"IF(ISBLANK(R135),\"\",$AB135+R135)","v":""},{"$f":"IF(ISBLANK(S135),\"\",$AB135+S135)","v":""},{"$f":"IF(ISBLANK(T135),\"\",$AB135+T135)","v":""},{"$f":"IF(ISBLANK(U135),\"\",$AB135+U135)","v":""},{"$f":"IF(ISBLANK(V135),\"\",$AB135+V135)","v":""},{"$f":"IF(ISBLANK(W135),\"\",$AB135+W135)","v":""}]
[null,null,null,null,null,null,null,"1",4.0000000000000018E-3,7.9999999999999984E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1.4E-2,1.8000000000000002E-2,2.1999999999999999E-2,"","","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"2",4.0000000000000018E-3,7.9999999999999984E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,1.4E-2,1.8000000000000002E-2,2.1999999999999999E-2,1.4E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"5",4.0000000000000018E-3,7.9999999999999984E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.4500000000000001E-2,1.8500000000000003E-2,2.2499999999999999E-2,1.4500000000000001E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"6",4.0000000000000001E-3,8.0000000000000002E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.55E-2,1.95E-2,2.35E-2,1.55E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"7",4.0000000000000001E-3,8.0000000000000002E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,1.6500000000000001E-2,2.0500000000000001E-2,2.4500000000000001E-2,1.6500000000000001E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"10",4.0000000000000001E-3,8.0000000000000002E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.6500000000000001E-2,2.0500000000000001E-2,2.4500000000000001E-2,1.6500000000000001E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"12",4.0000000000000001E-3,8.0000000000000002E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,1.95E-2,2.35E-2,2.75E-2,1.95E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"15",4.0000000000000001E-3,8.0000000000000002E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,0.02,2.4E-2,2.8000000000000001E-2,0.02,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"20",4.0000000000000001E-3,8.0000000000000002E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,2.1999999999999999E-2,2.5999999999999999E-2,0.03,2.1999999999999999E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"30",4.0000000000000001E-3,8.0000000000000036E-3,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,2.6499999999999999E-2,3.0499999999999999E-2,3.4500000000000003E-2,2.6499999999999999E-2,"","","","","","","","","","","",""]
[null,null,null,null,null,null,null,"Syntrus Achmea",0.6,0.8,0.9,1.02,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Syntrus Achmea","Op aanvraag",{"$f":"I146","v":0.6},0.8,0.9,1.02,0,0,0,0,0,0,0,0,0,0,0,"http://www.syntrusachmeahypotheken.nl/index.php?id=310"]
[null,null,null,null,null,null,null,"1",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1.7999999999999999E-2,{"$f":"IF(ISBLANK(I147),\"\",$AB147+I147)","v":1.7999999999999999E-2},{"$f":"IF(ISBLANK(J147),\"\",$AB147+J147)","v":1.9999999999999997E-2},{"$f":"IF(ISBLANK(K147),\"\",$AB147+K147)","v":2.1999999999999999E-2},{"$f":"IF(ISBLANK(L147),\"\",$AB147+L147)","v":2.4999999999999998E-2},{"$f":"IF(ISBLANK(M147),\"\",$AB147+M147)","v":""},{"$f":"IF(ISBLANK(N147),\"\",$AB147+N147)","v":""},{"$f":"IF(ISBLANK(O147),\"\",$AB147+O147)","v":""},{"$f":"IF(ISBLANK(P147),\"\",$AB147+P147)","v":""},{"$f":"IF(ISBLANK(Q147),\"\",$AB147+Q147)","v":""},{"$f":"IF(ISBLANK(R147),\"\",$AB147+R147)","v":""},{"$f":"IF(ISBLANK(S147),\"\",$AB147+S147)","v":""},{"$f":"IF(ISBLANK(T147),\"\",$AB147+T147)","v":""},{"$f":"IF(ISBLANK(U147),\"\",$AB147+U147)","v":""},{"$f":"IF(ISBLANK(V147),\"\",$AB147+V147)","v":""},{"$f":"IF(ISBLANK(W147),\"\",$AB147+W147)","v":""}]
[null,null,null,null,null,null,null,"3",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1.7999999999999999E-2,1.7999999999999999E-2,1.9999999999999997E-2,2.1999999999999999E-2,2.4999999999999998E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"5",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.7999999999999999E-2,1.7999999999999999E-2,1.9999999999999997E-2,2.1999999999999999E-2,2.4999999999999998E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"6",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.95E-2,1.95E-2,2.1499999999999998E-2,2.35E-2,2.6499999999999999E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"7",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,1.95E-2,1.95E-2,2.1499999999999998E-2,2.35E-2,2.6499999999999999E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"10",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.95E-2,1.95E-2,2.1499999999999998E-2,2.35E-2,2.6499999999999999E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"12",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,2.0500000000000001E-2,2.0500000000000001E-2,2.2499999999999999E-2,2.4500000000000001E-2,2.75E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"15",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.0500000000000001E-2,2.0500000000000001E-2,2.2499999999999999E-2,2.4500000000000001E-2,2.75E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"17",0,1.9999999999999983E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,2.0500000000000001E-2,2.0500000000000001E-2,2.2499999999999999E-2,2.4500000000000001E-2,2.75E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"20",0,2.0000000000000018E-3,4.0000000000000001E-3,6.9999999999999993E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,2.1999999999999999E-2,2.1999999999999999E-2,2.4E-2,2.5999999999999999E-2,2.8999999999999998E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"30",0,1.9999999999999983E-3,4.0000000000000001E-3,7.0000000000000027E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,2.6499999999999999E-2,2.6499999999999999E-2,2.8499999999999998E-2,3.0499999999999999E-2,3.3500000000000002E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"IQWOON",0.65,0.8,0.95,1.02,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IQWOON","Op aanvraag",{"$f":"I158","v":0.65},0.8,0.95,1.02,0,0,0,0,0,0,0,0,0,0,0,"http://www.iqwoon.nl/jouw-hypotheek#alle-tarieven"]
[null,null,null,null,null,null,null,"1",0,1.0000000000000009E-3,8.0000000000000002E-3,9.0000000000000011E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1.4999999999999999E-2,{"$f":"IF(ISBLANK(I159),\"\",$AB159+I159)","v":1.4999999999999999E-2},1.6E-2,2.3E-2,2.4E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"5",0,1.0000000000000009E-3,8.5000000000000006E-3,9.5000000000000015E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.55E-2,1.55E-2,1.6500000000000001E-2,2.4E-2,2.5000000000000001E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"10",-6.0000000000000157E-4,1.6000000000000007E-3,1.4599999999999998E-2,1.5599999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1.5900000000000001E-2,1.5299999999999999E-2,1.7500000000000002E-2,3.0499999999999999E-2,3.15E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"15",7.000000000000027E-4,3.0000000000000027E-3,1.2700000000000003E-2,1.3700000000000004E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,2.0299999999999999E-2,2.1000000000000001E-2,2.3300000000000001E-2,3.3000000000000002E-2,3.4000000000000002E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"20",1.3999999999999985E-3,2.3999999999999994E-3,1.5899999999999997E-2,1.6899999999999998E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,2.2100000000000002E-2,2.35E-2,2.4500000000000001E-2,3.7999999999999999E-2,3.9E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"25",2.700000000000001E-3,3.7000000000000019E-3,1.3199999999999996E-2,1.4199999999999997E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,2.98E-2,3.2500000000000001E-2,3.3500000000000002E-2,4.2999999999999997E-2,4.3999999999999997E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"30",2.5000000000000022E-3,3.5000000000000031E-3,1.3499999999999998E-2,1.4499999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,0.03,3.2500000000000001E-2,3.3500000000000002E-2,4.3499999999999997E-2,4.4499999999999998E-2,"","","","","","","","","","",""]
[null,null,null,null,null,null,null,"BijBouwe",0.6,0.75,0.85,0.9,0.95,1,1.06,null,null,null,null,null,null,null,null,null,null,null,"BijBouwe","automatisch",{"$f":"I166","v":0.6},0.75,0.85,0.9,0.95,1,1.06,0,0,0,0,0,0,0,0,"https://www.bijbouwe.nl/online-hypotheek/hypotheekrente-tarieven.aspx"]
[null,null,null,null,null,null,null,"0",0,1.9999999999999983E-3,2.3E-3,2.8999999999999998E-3,6.8999999999999999E-3,7.4000000000000003E-3,7.4000000000000003E-3,null,null,null,null,null,null,null,null,null,null,null,0,1.6400000000000001E-2,{"$f":"IF(ISBLANK(I167),\"\",$AB167+I167)","v":1.6400000000000001E-2},1.84E-2,1.8700000000000001E-2,1.9300000000000001E-2,2.3300000000000001E-2,2.3800000000000002E-2,2.3800000000000002E-2,"","","","","","","",""]
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[null,null,null,null,null,null,null,"20",1.0000000000000009E-3,2.0000000000000018E-3,2.8000000000000004E-3,4.9000000000000016E-3,8.4000000000000012E-3,8.4000000000000012E-3,8.4000000000000012E-3,null,null,null,null,null,null,null,null,null,null,null,20,2.1899999999999999E-2,2.29E-2,2.3900000000000001E-2,2.47E-2,2.6800000000000001E-2,3.0300000000000001E-2,3.0300000000000001E-2,3.0300000000000001E-2,"","","","","","","",""]
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[null,null,null,null,null,null,null,"Rabobank",0.67500000000000004,0.9,1.02,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rabobank","Op aanvraag",{"$f":"I175","v":0.67500000000000004},{"$f":"J175","v":0.9},{"$f":"K175","v":1.02},""]
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[null,null,null,null,null,null,null,"3",null,4.0000000000000001E-3,7.0000000000000001E-3,null,null,0,0,0,0,0,0,0,0,0,0,null,null,null,3,1.6E-2,"",0.02,2.3E-2,""]
[null,null,null,null,null,null,null,"4",null,4.0000000000000001E-3,7.0000000000000001E-3,null,null,0,0,0,0,0,0,0,0,0,0,null,null,null,4,1.7000000000000001E-2,"",2.1000000000000001E-2,2.4E-2,""]
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[null,null,null,null,null,null,null,"13",null,4.0000000000000001E-3,7.0000000000000001E-3,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,13,2.3E-2,"",2.7E-2,0.03]
[null,null,null,null,null,null,null,"14",null,4.0000000000000001E-3,7.0000000000000001E-3,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,14,2.4E-2,"",2.8000000000000001E-2,3.1E-2]
[null,null,null,null,null,null,null,"15",null,4.0000000000000001E-3,7.0000000000000001E-3,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,15,2.5000000000000001E-2,"",2.9000000000000001E-2,3.2000000000000001E-2]
[null,null,null,null,null,null,null,"20",null,4.0000000000000001E-3,7.0000000000000001E-3,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,20,2.7E-2,"",3.1E-2,3.4000000000000002E-2]
[null,null,null,null,null,null,null,"25",null,4.0000000000000001E-3,7.0000000000000001E-3,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,25,3.2000000000000001E-2,"",3.6000000000000004E-2,3.9E-2]
[null,null,null,null,null,null,null,"30",null,4.0000000000000001E-3,7.0000000000000001E-3,0,0,0,0,0,0,0,0,0,0,0,0,null,null,null,30,3.5000000000000003E-2,"",3.9000000000000007E-2,4.2000000000000003E-2]
[null,null,null,null,null,null,null,{"$f":"AA194&\"\"","v":"Centraal Beheer"},0.6,0.7,0.8,0.85,0.9,0.95,1,1.01,1.06,null,null,null,null,null,null,null,null,null,"Centraal Beheer","Op aanvraag",{"$f":"I194","v":0.6},{"$f":"J194","v":0.7},0.8,0.85,0.9,0.95,1,1.01,1.06,{"$f":"R194","v":0},null,null,null,null,null,"https://www.centraalbeheer.nl/CB%20Downloads/Rentetarieven-Thuis-Hypotheek.pdf"]
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[null,null,null,null,null,null,null,{"$f":"AA200&\"\"","v":"15"},2.8999999999999998E-3,3.3999999999999998E-3,3.8999999999999998E-3,4.4000000000000003E-3,5.8999999999999999E-3,6.4000000000000003E-3,6.8999999999999999E-3,7.9000000000000008E-3,1.34E-2,null,null,null,null,null,null,null,null,null,15,2.2499999999999999E-2,2.5399999999999999E-2,2.5899999999999999E-2,2.64E-2,2.69E-2,2.8399999999999998E-2,2.8899999999999999E-2,2.9399999999999999E-2,3.04E-2,3.5900000000000001E-2]
[null,null,null,null,null,null,null,{"$f":"AA201&\"\"","v":"20"},5.0000000000000001E-4,1.5E-3,2.3999999999999998E-3,3.5000000000000001E-3,7.1000000000000004E-3,7.7000000000000002E-3,8.6E-3,9.1000000000000004E-3,2.75E-2,null,null,null,null,null,null,null,null,null,20,2.3400000000000001E-2,{"$f":"IF(ISBLANK(I201),\"\",$AB201+I201)","v":2.3900000000000001E-2},2.4900000000000002E-2,2.58E-2,2.69E-2,3.0499999999999999E-2,3.1100000000000003E-2,3.2000000000000001E-2,3.2500000000000001E-2,5.0900000000000001E-2]
[null,null,null,null,null,null,null,{"$f":"AA202&\"\"","v":"30"},8.9999999999999998E-4,2.3999999999999998E-3,2.5000000000000001E-3,4.4000000000000003E-3,7.1000000000000004E-3,9.4999999999999998E-3,1.03E-2,1.09E-2,2.7900000000000001E-2,null,null,null,null,null,null,null,null,null,30,2.5999999999999999E-2,2.69E-2,2.8399999999999998E-2,2.8499999999999998E-2,3.04E-2,3.3099999999999997E-2,3.5499999999999997E-2,3.6299999999999999E-2,3.6900000000000002E-2,5.3900000000000003E-2]
[null,null,null,null,null,null,null,"Delta Lloyd",0.5,0.75,0.9,1,1.1000000000000001,1.1499999999999999,null,null,null,null,null,null,null,null,null,null,null,null,"Delta Lloyd","Op aanvraag",{"$f":"I203","v":0.5},0.75,0.9,1,1.1000000000000001,1.1499999999999999,0,0,0]
[null,null,null,null,null,null,null,"0",-1E-3,1E-8,2E-3,4.4999999999999997E-3,6.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,null,null,null,null,null,0,2.0299999999999999E-2,1.9299999999999998E-2,{"$f":"IF(ISBLANK(J204),\"\",$AB204+J204)","v":2.030001E-2},2.23E-2,2.4799999999999999E-2,2.6799999999999997E-2,2.8799999999999999E-2,"","",""]
[null,null,null,null,null,null,null,"1",-1E-3,1E-8,2E-3,4.4999999999999997E-3,6.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,0,0,null,null,null,1,1.7500000000000002E-2,1.6500000000000001E-2,1.7500010000000003E-2,1.9500000000000003E-2,2.2000000000000002E-2,2.4E-2,2.6000000000000002E-2,"","",""]
[null,null,null,null,null,null,null,"2",-1E-3,1E-8,2E-3,4.4999999999999997E-3,6.4999999999999997E-3,8.5000000000000006E-3,null,null,null,null,null,null,null,0,0,null,null,null,2,1.7999999999999999E-2,1.6999999999999998E-2,1.800001E-2,1.9999999999999997E-2,2.2499999999999999E-2,2.4499999999999997E-2,2.6499999999999999E-2,"","",""]
[null,null,null,null,null,null,null,"5",-1E-3,1E-8,2E-3,4.4999999999999997E-3,6.4999999999999997E-3,8.5000000000000006E-3,null,null,null,0,0,0,0,0,0,null,null,null,5,1.8499999999999999E-2,1.7499999999999998E-2,1.8500010000000001E-2,2.0499999999999997E-2,2.3E-2,2.4999999999999998E-2,2.7E-2,"","",""]
[null,null,null,null,null,null,null,"6",-1E-3,1E-8,2E-3,4.4999999999999997E-3,6.4999999999999997E-3,8.5000000000000006E-3,null,null,null,0,0,0,0,0,0,null,null,null,6,1.9E-2,1.7999999999999999E-2,1.9000010000000001E-2,2.0999999999999998E-2,2.35E-2,2.5499999999999998E-2,2.75E-2,"","",""]
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[null,null,null,null,null,null,null,"15",-1E-3,1E-8,2E-3,4.4999999999999997E-3,6.4999999999999997E-3,8.5000000000000006E-3,null,null,null,0,0,0,0,0,0,null,null,null,15,2.4E-2,2.3E-2,2.4000010000000002E-2,2.6000000000000002E-2,2.8500000000000001E-2,3.0499999999999999E-2,3.2500000000000001E-2,"","",""]
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[null,null,null,null,null,null,null,"Woonfonds",0.6,0.8,1,1.01,1.1000000000000001,null,0,0,0,0,0,0,0,0,0,null,null,null,"Woonfonds","Op aanvraag",{"$f":"I214","v":0.6},{"$f":"J214","v":0.8},{"$f":"K214","v":1},{"$f":"L214","v":1.01},{"$f":"M214","v":1.1000000000000001}]
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[null,null,null,null,null,null,null,"Merius",0.6,0.8,0.95,1.01,0,{"$f":"IF(OR(AH221=0,AH221=\"\"),0,+AH221-$AB221)","v":0},{"$f":"IF(OR(AI221=0,AI221=\"\"),0,+AI221-$AB221)","v":0},0,0,0,0,0,0,0,0,null,null,null,"Merius","Op aanvraag",{"$f":"I221","v":0.6},{"$f":"J221","v":0.8},{"$f":"K221","v":0.95},{"$f":"L221","v":1.01}]
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[null,null,null,null,null,null,null,"20",2E-3,3.0000000000000001E-3,7.0000000000000001E-3,1.0500000000000001E-2,0,0,0,0,0,0,0,0,0,0,0,null,null,null,20,2.3E-2,2.5000000000000001E-2,2.5999999999999999E-2,0.03,3.3500000000000002E-2]
[null,null,null,null,null,null,null,"25",1.5E-3,2.5000000000000001E-3,6.4999999999999997E-3,0.01,0,0,0,0,0,0,0,0,0,0,0,null,null,null,25,2.5499999999999998E-2,2.7E-2,2.7999999999999997E-2,3.2000000000000001E-2,3.5499999999999997E-2]
[null,null,null,null,null,null,null,"30",1.5E-3,2.5000000000000001E-3,6.4999999999999997E-3,0.01,0,0,0,0,0,0,0,0,0,0,0,null,null,null,30,2.5999999999999999E-2,2.75E-2,2.8499999999999998E-2,3.2500000000000001E-2,3.5999999999999997E-2]
[null,null,null,null,null,null,null,"Venn",0.8,0.9,0.95,1.01,1.06,null,null,null,null,null,null,null,null,null,null,null,null,null,"Venn","automatisch",{"$f":"I229","v":0.8},{"$f":"J229","v":0.9},{"$f":"K229","v":0.95},{"$f":"L229","v":1.01},{"$f":"M229","v":1.06}]
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[null,null,null,null,null,null,null,5,0,0,2E-3,2.8999999999999998E-3,4.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1.6799999999999999E-2,1.6799999999999999E-2,1.6799999999999999E-2,1.8799999999999997E-2,1.9699999999999999E-2,2.1299999999999999E-2]
[null,null,null,null,null,null,null,6,0,0,2E-3,2.8999999999999998E-3,4.4999999999999997E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.7399999999999999E-2,1.7399999999999999E-2,1.7399999999999999E-2,1.9400000000000001E-2,2.0299999999999999E-2,2.1899999999999999E-2]
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[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,{"$f":"AA260&\"\"","v":""},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,"",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,"formules eindigen hier, voor meer kopieer regel hierboven!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"formules eindigen hier in kolommen I:Z, open het overzicht en kopieer ze door!"]

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[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O39:AH39)*($O$11:$AH$11)*(MOD(COLUMN(O39:AH39),4)=MOD(COLUMN(O39),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},28,{"$f":"IF($N39<=P$4,IF(P$10,ROBijAnnuiteit!K49,0)+O38,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!I49,P$7)+ROBijAnnuiteit!J49)","v":0.05},0,{"$f":"IF($N39>P$6,0,IF(P$5=\"A\",PMT(O39/12,(P$6-ROWS($12:39)+1)*12,-P38)*12,IF(P$5=\"L\",P38/(P$6-$N39+1)+R39,R39)))","v":0},0,{"$f":"IF($N39<=T$4,IF(T$10,ROBijAnnuiteit!O49,0)+S38,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!M49,T$7)+ROBijAnnuiteit!N49)","v":0.05},0,{"$f":"IF($N39>T$6,0,IF(T$5=\"A\",PMT(S39/12,(T$6-ROWS($12:39)+1)*12,-T38)*12,IF(T$5=\"L\",T38/(T$6-$N39+1)+V39,V39)))","v":0},0,{"$f":"IF($N39<=X$4,IF(X$10,ROBijAnnuiteit!S49,0)+W38,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!Q49,X$7)+ROBijAnnuiteit!R49)","v":0.05},0,{"$f":"IF($N39>X$6,0,IF(X$5=\"A\",PMT(W39/12,(X$6-ROWS($12:39)+1)*12,-X38)*12,IF(X$5=\"L\",X38/(X$6-$N39+1)+Z39,Z39)))","v":0},0,{"$f":"IF($N39<=AB$4,IF(AB$10,ROBijAnnuiteit!W49,0)+AA38,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!U49,AB$7)+ROBijAnnuiteit!V49)","v":0.05},0,{"$f":"IF($N39>AB$6,0,IF(AB$5=\"A\",PMT(AA39/12,(AB$6-ROWS($12:39)+1)*12,-AB38)*12,IF(AB$5=\"L\",AB38/(AB$6-$N39+1)+AD39,AD39)))","v":0},0,{"$f":"IF($N39<=AF$4,IF(AF$10,ROBijAnnuiteit!AA49,0)+AE38,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!Y49,AF$7)+ROBijAnnuiteit!Z49)","v":0.05},0,{"$f":"IF($N39>AF$6,0,IF(AF$5=\"A\",PMT(AE39/12,(AF$6-ROWS($12:39)+1)*12,-AF38)*12,IF(AF$5=\"L\",AF38/(AF$6-$N39+1)+AH39,AH39)))","v":0},0,null,0.05,null,0,0,null,{"$f":"SUM((O39:AI39)*(MOD(COLUMN(O39:AI39),4)=MOD(COLUMN(P39),4)))","v":0},{"$f":"SUM((P39:AJ39)*(MOD(COLUMN(P39:AJ39),4)=MOD(COLUMN(Q39),4)))+AL39*12","v":0},{"$f":"CEILING(SUM((P39:AI39)*(MOD(COLUMN(P39:AI39),4)=MOD(COLUMN(R39),4))),1)+BijAlgOvg!AY39","v":0},{"$f":"CEILING((SUM((P39:AI39)*(MOD(COLUMN(P39:AI39),4)=MOD(COLUMN(R39),4))*(P$9:AI$9)*(P$6:AI$6>=$N39))+BijAlgOvg!AZ39)*AS39,1)","v":0},1,0,0,0,0,0,null,null,null,0,{"$f":"MIN($AR39-SUM(OFFSET(BD39,0,0,1,COLUMNS(BC:$BE))),OFFSET(BC$5,$BB39,0))","v":0},{"$f":"MIN($AR39-SUM(OFFSET(BE39,0,0,1,COLUMNS(BD:$BE))),OFFSET(BD$5,$BB39,0))","v":0},{"$f":"MIN($AR39-SUM(OFFSET(BF39,0,0,1,COLUMNS(BE:$BE))),OFFSET(BE$5,$BB39,0))","v":0},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O40:AH40)*($O$11:$AH$11)*(MOD(COLUMN(O40:AH40),4)=MOD(COLUMN(O40),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},29,{"$f":"IF($N40<=P$4,IF(P$10,ROBijAnnuiteit!K50,0)+O39,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!I50,P$7)+ROBijAnnuiteit!J50)","v":0.05},0,{"$f":"IF($N40>P$6,0,IF(P$5=\"A\",PMT(O40/12,(P$6-ROWS($12:40)+1)*12,-P39)*12,IF(P$5=\"L\",P39/(P$6-$N40+1)+R40,R40)))","v":0},0,{"$f":"IF($N40<=T$4,IF(T$10,ROBijAnnuiteit!O50,0)+S39,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!M50,T$7)+ROBijAnnuiteit!N50)","v":0.05},0,{"$f":"IF($N40>T$6,0,IF(T$5=\"A\",PMT(S40/12,(T$6-ROWS($12:40)+1)*12,-T39)*12,IF(T$5=\"L\",T39/(T$6-$N40+1)+V40,V40)))","v":0},0,{"$f":"IF($N40<=X$4,IF(X$10,ROBijAnnuiteit!S50,0)+W39,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!Q50,X$7)+ROBijAnnuiteit!R50)","v":0.05},0,{"$f":"IF($N40>X$6,0,IF(X$5=\"A\",PMT(W40/12,(X$6-ROWS($12:40)+1)*12,-X39)*12,IF(X$5=\"L\",X39/(X$6-$N40+1)+Z40,Z40)))","v":0},0,{"$f":"IF($N40<=AB$4,IF(AB$10,ROBijAnnuiteit!W50,0)+AA39,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!U50,AB$7)+ROBijAnnuiteit!V50)","v":0.05},0,{"$f":"IF($N40>AB$6,0,IF(AB$5=\"A\",PMT(AA40/12,(AB$6-ROWS($12:40)+1)*12,-AB39)*12,IF(AB$5=\"L\",AB39/(AB$6-$N40+1)+AD40,AD40)))","v":0},0,{"$f":"IF($N40<=AF$4,IF(AF$10,ROBijAnnuiteit!AA50,0)+AE39,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!Y50,AF$7)+ROBijAnnuiteit!Z50)","v":0.05},0,{"$f":"IF($N40>AF$6,0,IF(AF$5=\"A\",PMT(AE40/12,(AF$6-ROWS($12:40)+1)*12,-AF39)*12,IF(AF$5=\"L\",AF39/(AF$6-$N40+1)+AH40,AH40)))","v":0},0,null,0.05,null,0,0,null,{"$f":"SUM((O40:AI40)*(MOD(COLUMN(O40:AI40),4)=MOD(COLUMN(P40),4)))","v":0},{"$f":"SUM((P40:AJ40)*(MOD(COLUMN(P40:AJ40),4)=MOD(COLUMN(Q40),4)))+AL40*12","v":0},{"$f":"CEILING(SUM((P40:AI40)*(MOD(COLUMN(P40:AI40),4)=MOD(COLUMN(R40),4))),1)+BijAlgOvg!AY40","v":0},{"$f":"CEILING((SUM((P40:AI40)*(MOD(COLUMN(P40:AI40),4)=MOD(COLUMN(R40),4))*(P$9:AI$9)*(P$6:AI$6>=$N40))+BijAlgOvg!AZ40)*AS40,1)","v":0},1,0,0,0,0,0,null,null,null,0,{"$f":"MIN($AR40-SUM(OFFSET(BD40,0,0,1,COLUMNS(BC:$BE))),OFFSET(BC$5,$BB40,0))","v":0},{"$f":"MIN($AR40-SUM(OFFSET(BE40,0,0,1,COLUMNS(BD:$BE))),OFFSET(BD$5,$BB40,0))","v":0},{"$f":"MIN($AR40-SUM(OFFSET(BF40,0,0,1,COLUMNS(BE:$BE))),OFFSET(BE$5,$BB40,0))","v":0},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O41:AH41)*($O$11:$AH$11)*(MOD(COLUMN(O41:AH41),4)=MOD(COLUMN(O41),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},30,{"$f":"IF($N41<=P$4,IF(P$10,ROBijAnnuiteit!K51,0)+O40,IF(AlgemeenOUD!$F$41=1,ROBijAnnuiteit!I51,P$7)+ROBijAnnuiteit!J51)","v":0.05},0,{"$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$7)+ROBijAnnuiteit!N51)","v":0.05},0,{"$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$7)+ROBijAnnuiteit!R51)","v":0.05},0,{"$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$7)+ROBijAnnuiteit!V51)","v":0.05},0,{"$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$7)+ROBijAnnuiteit!Z51)","v":0.05},0,{"$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,0.05,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},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[]
[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."]

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[null,{"$f":"Annuiteit!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,{"$f":"Annuiteit!K7","v":"Consumptief deel"},null,null,null,{"$f":"Annuiteit!O7","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Als invoercellen worden verplaatst:"]
[null,{"$f":"Annuiteit!B8","v":"Rentevast periode"},null,null,null,null,{"$f":"Annuiteit!G8","v":"5 jaar"},null,null,null,{"$f":"Annuiteit!K8","v":"Premie overlijdensrisicio"},null,null,null,{"$f":"Annuiteit!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,{"$f":"Annuiteit!AY9","v":"  Renteafslag aan?"},null,{"$f":"Annuiteit!BA9","v":"nee"},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"]
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[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,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O41:AH41)*($O$11:$AH$11)*(MOD(COLUMN(O41:AH41),4)=MOD(COLUMN(O41),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},30,{"$f":"IF($N41<=P$4,IF(P$10,ROBijLineair!K51,0)+O40,IF(AlgemeenOUD!$F$41=1,ROBijLineair!I51,P$7)+ROBijLineair!J51)","v":0.05},0,{"$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$10,ROBijLineair!O51,0)+S40,IF(AlgemeenOUD!$F$41=1,ROBijLineair!M51,T$7)+ROBijLineair!N51)","v":0.05},0,{"$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$10,ROBijLineair!S51,0)+W40,IF(AlgemeenOUD!$F$41=1,ROBijLineair!Q51,X$7)+ROBijLineair!R51)","v":0.05},0,{"$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$10,ROBijLineair!W51,0)+AA40,IF(AlgemeenOUD!$F$41=1,ROBijLineair!U51,AB$7)+ROBijLineair!V51)","v":0.05},0,{"$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$10,ROBijLineair!AA51,0)+AE40,IF(AlgemeenOUD!$F$41=1,ROBijLineair!Y51,AF$7)+ROBijLineair!Z51)","v":0.05},0,{"$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,0.05,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},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[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,{"$f":"CEILING(SUM((P42:AI42)*(MOD(COLUMN(P42:AI42),4)=MOD(COLUMN(R42),4))),1)+BijAlgOvg!AY42","v":0},{"$f":"CEILING((SUM((P42:AI42)*(MOD(COLUMN(P42:AI42),4)=MOD(COLUMN(R42),4))*(P$9:AI$9)*(P$6:AI$6>=$N42))+BijAlgOvg!AZ42)*AS42,1)","v":0},{"$f":"IF($AQ$7<=0,100%,MAX(0,(AO42-$AQ$7)/AO42))","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($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,{"$f":"IF(AlgemeenOUD!C27=AlgemeenOUD!F30,\"Zie tabblad annuïteit of lineair\",\"Balanshypotheek\")","v":"Zie tabblad annuïteit of lineair"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HIDE"]
[null,null,null,null,{"$f":"LineairO!E3","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,360,"Looptijd"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30]
[null,null,null,null,null,null,null,"Hypotheeksom",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,"IB-tarief",null,null,{"$f":"IF(AlgemeenOUD!C16=52%,'Financiële Gegevens'!M39,AlgemeenOUD!C16)","v":0.36549999999999999}]
[null,null,null,null,null,null,null,"Annuïtair deel",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,"WOZ-waarde",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,64]
[null,null,null,null,null,null,null,"Lineair deel",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,"Opgegeven hypotheek",null,200000,null,66]
[null,null,null,null,null,null,null,"Rentevast periode",null,null,{"$f":"#REF!&\" jaar\"","v":{"$error":"#REF!"}},null,null,"Consumptief deel",null,null,{"$f":"IF(AlgemeenOUD!F29=0,\"Geen\",AlgemeenOUD!F29)","v":"Geen"},null,null,"Hoogte annuiteit"]
[null,null,null,null,null,null,null,"Totaal netto betaald",null,null,{"$f":"SUM(R21:R50)*12+AlgemeenOUD!F30","v":{"$error":"#REF!"}},null,null,"Premie overlijdensrisico",null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,"Hoogte lineair"]
[]
[null,null,null,null,null,null,null,"Annuïtaire hypotheek",null,null,"Rente",{"$f":"uw_gekozen_rente","v":0.05},"Looptijd",{"$f":"AlgemeenOUD!B123&\" jaar\"","v":"30 jaar"},null,"Aftrek",{"$f":"AlgemeenOUD!$C$30-1&\" jaar\"","v":"30 jaar"}]
[null,null,null,null,null,null,null,"Lineaire hypotheek",null,null,"Rente",{"$f":"uw_gekozen_rente","v":0.05},"Looptijd",{"$f":"AlgemeenOUD!B123&\" jaar\"","v":"30 jaar"},null,"Aftrek",{"$f":"AlgemeenOUD!$C$30-1&\" jaar\"","v":"30 jaar"}]
[null,null,null,null,null,null,null,"Aflosvrije hypotheek",null,null,"Rente",{"$f":"uw_gekozen_rente+Opslag_aflosvrij","v":0.05},"Looptijd","30 jaar",null,"Aftrek",{"$f":"AlgemeenOUD!F31-1&\" jaar\"","v":"30 jaar"},null,null,38.224610227447094,2.2499999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tot 30 jaar",38.224610227446284,2.2499999999999999E-2]
[null,null,null,null,null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,null,null,2]
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[{"$f":"J11","v":"↓ Pull down menu ↓"},null,{"$f":"L11","v":{"$error":"#DIV/0!"}},{"$f":"Y11/12+AF11","v":0},{"$f":"Z11/12","v":0},{"$f":"AH11","v":14.5},{"$f":"MIN(F11,AK11)","v":{"$error":"#DIV/0!"}},null,null,"↓ Pull down menu ↓",null,{"$f":"Rentevergelijk!Q17+AB36","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":"AE11*12-Z11+(Algemeen!K$41*(Rentevergelijk!Q17+Rentevergelijk!M17))","v":0},{"$f":"X11-AA11","v":0},{"$f":"FV(Rentevergelijk!Q17/12,W11*12,AE11,-X11)","v":0},{"$f":"AE11+C$38+E$37+(Algemeen!K$41*(Rentevergelijk!Q17+Rentevergelijk!M17)/12)","v":14.5},{"$f":"MAX(0,((Y11*C$33)-'Financiële Gegevens'!C$37)/12)","v":0},{"$f":"AB11-AC11","v":14.5},{"$f":"PMT(Rentevergelijk!Q17/12,Algemeen!E$27*12,-X11,0,0)","v":0},null,{"$f":"AF11*(100%-E$33)","v":0},{"$f":"AB11+AF11","v":14.5},{"$f":"AD11+AG11","v":14.5},{"$f":"(AF$4*L11*E$33)/12","v":{"$error":"#DIV/0!"}},{"$f":"AJ11+AI11","v":{"$error":"#DIV/0!"}}]
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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$41*(Rentevergelijk!Q19+Rentevergelijk!M19))","v":0},{"$f":"X13-AA13","v":0},{"$f":"FV(Rentevergelijk!Q19/12,W13*12,AE13,-X13)","v":0},{"$f":"AE13+C$38+E$37+(Algemeen!K$41*(Rentevergelijk!Q19+Rentevergelijk!M19)/12)","v":14.5},{"$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!"}}]
[]
["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,"Bruto","Netto","TB","TN","Corr. B3","TOTAAL"]
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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$41*(Rentevergelijk!Q25+Rentevergelijk!M25))","v":0},{"$f":"X18-AA18","v":0},{"$f":"FV(Rentevergelijk!Q25/12,W18*12,AE18,-X18)","v":0},{"$f":"AE18+C$38+E$37+(Algemeen!K$41*(Rentevergelijk!Q25+Rentevergelijk!M25)/12)","v":14.5},{"$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$41*(Rentevergelijk!Q26+Rentevergelijk!M26))","v":0},{"$f":"X19-AA19","v":0},{"$f":"FV(Rentevergelijk!Q26/12,W19*12,AE19,-X19)","v":0},{"$f":"AE19+C$38+E$37+(Algemeen!K$41*(Rentevergelijk!Q26+Rentevergelijk!M26)/12)","v":14.5},{"$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$41*(Rentevergelijk!Q27+Rentevergelijk!M27))","v":0},{"$f":"X20-AA20","v":0},{"$f":"FV(Rentevergelijk!Q27/12,W20*12,AE20,-X20)","v":0},{"$f":"AE20+C$38+E$37+(Algemeen!K$41*(Rentevergelijk!Q27+Rentevergelijk!M27)/12)","v":14.5},{"$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,{"$f":"'Maximale verstrekking'!E44","v":1995.7590000000002},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Maximale verstrekking'!F44","v":1995.7590000000002},null,"Aflosvrij"]
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["WOZ-waarde",null,0,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AA32/AA30","v":{"$error":"#DIV/0!"}},null,null,1,{"$f":"+AD34+1","v":2},{"$f":"+AE34+1","v":3},4,6,7,8,9]
["Marktwaarde",null,0,null,{"$f":"AlgemeenOUD!F49","v":0},null,null,null,1,{"$f":"INDEX('Maximale verstrekking'!$X$50:$AE$50,I35)","v":{"$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!"},{"$error":"#DIV/0!"},{"$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$50:$AE$50,I36)","v":{"$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,{"$f":"Algemeen!E43","v":14.5},null,null,null,3,{"$f":"INDEX('Maximale verstrekking'!$X$50:$AE$50,I37)","v":{"$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$50:$AE$50,I38)","v":{"$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$50:$AE$50,I41)","v":{"$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!"}}]
[null,null,null,null,null,null,null,null,7,{"$f":"INDEX('Maximale verstrekking'!$X$50:$AE$50,I42)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"L19","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"Rentevergelijk!M26","v":0},{"$f":"AA42*AA$34","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,8,{"$f":"INDEX('Maximale verstrekking'!$X$50:$AE$50,I43)","v":{"$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,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=>",{"$f":"CELL(\"bestandsnaam\",'Vrije Keuze'!A13)","v":"C:\\Users\\Gebruiker\\Google Drive\\CalFin\\[Calfin 4.6.6 D.xlsm]Vrije Keuze"},null,null,null,null,{"$f":"ROW('Vrije Keuze'!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,{"$f":"+AF2+1","v":26},null,null,null,{"$f":"+AJ2+1","v":27},null,null,null,null,{"$f":"SUM(P1:AH1)","v":0},"Band",{"$f":"MAX(IFERROR(1/(((AT12:AT41)*12)/(((AT12:AT41)*12)+$AU$11)),0))","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O39:AH39)*($O$11:$AH$11)*(MOD(COLUMN(O39:AH39),4)=MOD(COLUMN(O39),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},28,{"$f":"IF($N39<=P$4,IF(P$10,ROBijVK!K49,0)+O38,IF(AlgemeenOUD!$F$41=1,ROBijVK!I49,P$7)+ROBijVK!J49)","v":0.05},0,0,0,{"$f":"IF($N39<=T$4,IF(T$10,ROBijVK!O49,0)+S38,IF(AlgemeenOUD!$F$41=1,ROBijVK!M49,T$7)+ROBijVK!N49)","v":0.05},0,0,0,{"$f":"IF($N39<=X$4,IF(X$10,ROBijVK!S49,0)+W38,IF(AlgemeenOUD!$F$41=1,ROBijVK!Q49,X$7)+ROBijVK!R49)","v":0.05},0,0,0,{"$f":"IF($N39<=AB$4,IF(AB$10,ROBijVK!W49,0)+AA38,IF(AlgemeenOUD!$F$41=1,ROBijVK!U49,AB$7)+ROBijVK!V49)","v":0.05},0,0,0,{"$f":"IF($N39<=AF$4,IF(AF$10,ROBijVK!AA49,0)+AE38,IF(AlgemeenOUD!$F$41=1,ROBijVK!Y49,AF$7)+ROBijVK!Z49)","v":0.05},0,0,0,{"$f":"IF($N39<=AJ$4,IF(AJ$10,ROBijVK!AE49,0)+AI38,IF(AlgemeenOUD!$F$41=1,ROBijVK!AC49,AJ$7)+ROBijVK!AD49)","v":0.05},0,0,0,{"$f":"IF($N39<=AN$4,IF(AN$10,ROBijVK!AI49,0)+AM38,IF(AlgemeenOUD!$F$41=1,ROBijVK!AG49,AN$7)+ROBijVK!AH49)","v":0.05},0,0,0,null,0.05,null,0,0,null,{"$f":"SUM((O39:AQ39)*(MOD(COLUMN(O39:AQ39),4)=MOD(COLUMN(P39),4)))","v":0},{"$f":"SUM((P39:AR39)*(MOD(COLUMN(P39:AR39),4)=MOD(COLUMN(Q39),4)))+AT39*12","v":0},{"$f":"CEILING((SUM((P39:AQ39)*(MOD(COLUMN(P39:AQ39),4)=MOD(COLUMN(R39),4)))+BijAlgOvg!AY39),1)","v":0},{"$f":"CEILING((SUM((P39:AQ39)*(MOD(COLUMN(P39:AQ39),4)=MOD(COLUMN(R39),4))*(P$9:AQ$9)*(P$6:AQ$6>=$N39))+BijAlgOvg!AZ39),1)","v":0},0,1,0,0,0,null,null,null,0,{"$f":"MIN($AZ39-SUM(OFFSET(BK39,0,0,1,COLUMNS(BJ:$BL))),OFFSET(BJ$5,$BI39,0))","v":0},{"$f":"MIN($AZ39-SUM(OFFSET(BL39,0,0,1,COLUMNS(BK:$BL))),OFFSET(BK$5,$BI39,0))","v":0},{"$f":"MIN($AZ39-SUM(OFFSET(BM39,0,0,1,COLUMNS(BL:$BL))),OFFSET(BL$5,$BI39,0))","v":0},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O40:AH40)*($O$11:$AH$11)*(MOD(COLUMN(O40:AH40),4)=MOD(COLUMN(O40),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},29,{"$f":"IF($N40<=P$4,IF(P$10,ROBijVK!K50,0)+O39,IF(AlgemeenOUD!$F$41=1,ROBijVK!I50,P$7)+ROBijVK!J50)","v":0.05},0,0,0,{"$f":"IF($N40<=T$4,IF(T$10,ROBijVK!O50,0)+S39,IF(AlgemeenOUD!$F$41=1,ROBijVK!M50,T$7)+ROBijVK!N50)","v":0.05},0,0,0,{"$f":"IF($N40<=X$4,IF(X$10,ROBijVK!S50,0)+W39,IF(AlgemeenOUD!$F$41=1,ROBijVK!Q50,X$7)+ROBijVK!R50)","v":0.05},0,0,0,{"$f":"IF($N40<=AB$4,IF(AB$10,ROBijVK!W50,0)+AA39,IF(AlgemeenOUD!$F$41=1,ROBijVK!U50,AB$7)+ROBijVK!V50)","v":0.05},0,0,0,{"$f":"IF($N40<=AF$4,IF(AF$10,ROBijVK!AA50,0)+AE39,IF(AlgemeenOUD!$F$41=1,ROBijVK!Y50,AF$7)+ROBijVK!Z50)","v":0.05},0,0,0,{"$f":"IF($N40<=AJ$4,IF(AJ$10,ROBijVK!AE50,0)+AI39,IF(AlgemeenOUD!$F$41=1,ROBijVK!AC50,AJ$7)+ROBijVK!AD50)","v":0.05},0,0,0,{"$f":"IF($N40<=AN$4,IF(AN$10,ROBijVK!AI50,0)+AM39,IF(AlgemeenOUD!$F$41=1,ROBijVK!AG50,AN$7)+ROBijVK!AH50)","v":0.05},0,0,0,null,0.05,null,0,0,null,{"$f":"SUM((O40:AQ40)*(MOD(COLUMN(O40:AQ40),4)=MOD(COLUMN(P40),4)))","v":0},{"$f":"SUM((P40:AR40)*(MOD(COLUMN(P40:AR40),4)=MOD(COLUMN(Q40),4)))+AT40*12","v":0},{"$f":"CEILING((SUM((P40:AQ40)*(MOD(COLUMN(P40:AQ40),4)=MOD(COLUMN(R40),4)))+BijAlgOvg!AY40),1)","v":0},{"$f":"CEILING((SUM((P40:AQ40)*(MOD(COLUMN(P40:AQ40),4)=MOD(COLUMN(R40),4))*(P$9:AQ$9)*(P$6:AQ$6>=$N40))+BijAlgOvg!AZ40),1)","v":0},0,1,0,0,0,null,null,null,0,{"$f":"MIN($AZ40-SUM(OFFSET(BK40,0,0,1,COLUMNS(BJ:$BL))),OFFSET(BJ$5,$BI40,0))","v":0},{"$f":"MIN($AZ40-SUM(OFFSET(BL40,0,0,1,COLUMNS(BK:$BL))),OFFSET(BK$5,$BI40,0))","v":0},{"$f":"MIN($AZ40-SUM(OFFSET(BM40,0,0,1,COLUMNS(BL:$BL))),OFFSET(BL$5,$BI40,0))","v":0},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O41:AH41)*($O$11:$AH$11)*(MOD(COLUMN(O41:AH41),4)=MOD(COLUMN(O41),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},30,{"$f":"IF($N41<=P$4,IF(P$10,ROBijVK!K51,0)+O40,IF(AlgemeenOUD!$F$41=1,ROBijVK!I51,P$7)+ROBijVK!J51)","v":0.05},0,0,0,{"$f":"IF($N41<=T$4,IF(T$10,ROBijVK!O51,0)+S40,IF(AlgemeenOUD!$F$41=1,ROBijVK!M51,T$7)+ROBijVK!N51)","v":0.05},0,0,0,{"$f":"IF($N41<=X$4,IF(X$10,ROBijVK!S51,0)+W40,IF(AlgemeenOUD!$F$41=1,ROBijVK!Q51,X$7)+ROBijVK!R51)","v":0.05},0,0,0,{"$f":"IF($N41<=AB$4,IF(AB$10,ROBijVK!W51,0)+AA40,IF(AlgemeenOUD!$F$41=1,ROBijVK!U51,AB$7)+ROBijVK!V51)","v":0.05},0,0,0,{"$f":"IF($N41<=AF$4,IF(AF$10,ROBijVK!AA51,0)+AE40,IF(AlgemeenOUD!$F$41=1,ROBijVK!Y51,AF$7)+ROBijVK!Z51)","v":0.05},0,0,0,{"$f":"IF($N41<=AJ$4,IF(AJ$10,ROBijVK!AE51,0)+AI40,IF(AlgemeenOUD!$F$41=1,ROBijVK!AC51,AJ$7)+ROBijVK!AD51)","v":0.05},0,0,0,{"$f":"IF($N41<=AN$4,IF(AN$10,ROBijVK!AI51,0)+AM40,IF(AlgemeenOUD!$F$41=1,ROBijVK!AG51,AN$7)+ROBijVK!AH51)","v":0.05},0,0,0,null,0.05,null,0,0,null,{"$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$6>=$N41))+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},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[]
[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":"IF(AlgemeenOUD!F30>0,\"Balans & Aflosvrije hypotheek\",\"Balans hypotheek\")","v":"Balans hypotheek"}]
[null,{"$f":"Gegevens!I6","v":""}]
[null,{"$f":"Lineair!B4","v":0},null,null,null,null,null,null,null,null,{"$f":"Lineair!K4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,{"$f":"Alg_naschuif-Aflosvrij_leningdeel","v":0}]
[null,{"$f":"Annuiteit!B5","v":"Hypotheeksom"},null,null,null,null,{"$f":"Annuiteit!G5","v":0},null,null,null,{"$f":"Annuiteit!K5","v":"(Hoogste)IB-tarief"},null,null,null,{"$f":"'Vrije Keuze'!P5","v":0.36549999999999999}]
[null,{"$f":"Annuiteit!B6","v":"Totaal netto betaald"},null,null,null,null,{"$f":"SUM(AF40:AF69)*12","v":5220},null,null,null,{"$f":"Annuiteit!K6","v":"Onderhoud"},null,null,null,{"$f":"Annuiteit!O6","v":14.5}]
[null,{"$f":"Annuiteit!B7","v":"WOZ waarde"},null,null,null,null,{"$f":"Annuiteit!G7","v":0},null,null,null,{"$f":"Annuiteit!K7","v":"Consumptief deel"},null,null,null,{"$f":"Annuiteit!O7","v":"Geen"},null,null,null,null,null,null,null,null,null,null,null,null,"Als invoercellen worden verplaatst:"]
[null,{"$f":"Annuiteit!B8","v":"Rentevast periode"},null,null,null,null,{"$f":"Annuiteit!G8","v":"5 jaar"},null,null,null,{"$f":"Annuiteit!K8","v":"Premie overlijdensrisicio"},null,null,null,{"$f":"Annuiteit!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?   ",{"$f":"Annuiteit!BA9","v":"nee"},null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente"]
[null,"Annuïteit",null,null,{"$f":"E22","v":0},null,null,"Rente",{"$f":"uw_gekozen_rente","v":0.05},null,"Looptijd",{"$f":"AlgemeenOUD!B123&\" jaar\"","v":"30 jaar"},null,"Aftrek",{"$f":"AlgemeenOUD!$C$30-1&\" jaar\"","v":"30 jaar"},null,null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I."]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$f":"AlgemeenOUD!C41","v":14.5}]
[null,"Waarde",null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,"Indexering:",null,{"$f":"Algemeen!F39","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,{"$f":"AlgemeenOUD!C53","v":0}]
[null,"Lineair",null,null,{"$f":"E23","v":0},null,null,"Rente",{"$f":"+I10","v":0.05},null,"Looptijd","30 jaar",null,"Aftrek",{"$f":"K22&\" jaar\"","v":"30 jaar"}]
[null,"Aflosvrij",null,null,{"$f":"IF(Aflosvrij_leningdeel>0,Aflosvrij_leningdeel,0)","v":0},null,null,"Rente",{"$f":"uw_gekozen_rente+Opslag_aflosvrij","v":0.05},null,"Looptijd","30 jaar",null,"Aftrek",{"$f":"K24&\" jaar\"","v":"30 jaar"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$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},{"$f":"+CE18*CB18","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O40:AH40)*($O$11:$AH$11)*(MOD(COLUMN(O40:AH40),4)=MOD(COLUMN(O40),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},29,{"$f":"IF($N40<=P$4,IF(P$10,'ROBijHuidige hypotheek'!K50,0)+O39,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!I50,P$7)+'ROBijHuidige hypotheek'!J50)","v":0.05},0,0,0,{"$f":"IF($N40<=T$4,IF(T$10,'ROBijHuidige hypotheek'!O50,0)+S39,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!M50,T$7)+'ROBijHuidige hypotheek'!N50)","v":0.05},0,0,0,{"$f":"IF($N40<=X$4,IF(X$10,'ROBijHuidige hypotheek'!S50,0)+W39,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!Q50,X$7)+'ROBijHuidige hypotheek'!R50)","v":0.05},0,0,0,{"$f":"IF($N40<=AB$4,IF(AB$10,'ROBijHuidige hypotheek'!W50,0)+AA39,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!U50,AB$7)+'ROBijHuidige hypotheek'!V50)","v":0.05},0,0,0,{"$f":"IF($N40<=AF$4,IF(AF$10,'ROBijHuidige hypotheek'!AA50,0)+AE39,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!Y50,AF$7)+'ROBijHuidige hypotheek'!Z50)","v":0.05},0,0,0,{"$f":"IF($N40<=AJ$4,IF(AJ$10,'ROBijHuidige hypotheek'!AE50,0)+AI39,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!AC50,AJ$7)+'ROBijHuidige hypotheek'!AD50)","v":0.05},0,0,0,{"$f":"IF($N40<=AN$4,IF(AN$10,'ROBijHuidige hypotheek'!AI50,0)+AM39,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!AG50,AN$7)+'ROBijHuidige hypotheek'!AH50)","v":0.05},0,0,0,null,0.05,null,0,0,null,{"$f":"SUM((O40:AQ40)*(MOD(COLUMN(O40:AQ40),4)=MOD(COLUMN(P40),4)))","v":0},{"$f":"SUM((P40:AR40)*(MOD(COLUMN(P40:AR40),4)=MOD(COLUMN(Q40),4)))+AT40*12","v":0},{"$f":"CEILING((SUM((P40:AQ40)*(MOD(COLUMN(P40:AQ40),4)=MOD(COLUMN(R40),4)))+BijAlgOvg!AY40),1)","v":0},{"$f":"CEILING((SUM((P40:AQ40)*(MOD(COLUMN(P40:AQ40),4)=MOD(COLUMN(R40),4))*(P$9:AQ$9)*(P$6:AQ$6>=$N40))+BijAlgOvg!AZ40),1)","v":0},0,1,0,0,0,null,null,null,0,{"$f":"MIN($AZ40-SUM(OFFSET(BK40,0,0,1,COLUMNS(BJ:$BL))),OFFSET(BJ$5,$BI40,0))","v":0},{"$f":"MIN($AZ40-SUM(OFFSET(BL40,0,0,1,COLUMNS(BK:$BL))),OFFSET(BK$5,$BI40,0))","v":0},{"$f":"MIN($AZ40-SUM(OFFSET(BM40,0,0,1,COLUMNS(BL:$BL))),OFFSET(BL$5,$BI40,0))","v":0},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM((O41:AH41)*($O$11:$AH$11)*(MOD(COLUMN(O41:AH41),4)=MOD(COLUMN(O41),4)))/(SUM($O$11:$AH$11)+0.000001)","v":0},30,{"$f":"IF($N41<=P$4,IF(P$10,'ROBijHuidige hypotheek'!K51,0)+O40,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!I51,P$7)+'ROBijHuidige hypotheek'!J51)","v":0.05},0,0,0,{"$f":"IF($N41<=T$4,IF(T$10,'ROBijHuidige hypotheek'!O51,0)+S40,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!M51,T$7)+'ROBijHuidige hypotheek'!N51)","v":0.05},0,0,0,{"$f":"IF($N41<=X$4,IF(X$10,'ROBijHuidige hypotheek'!S51,0)+W40,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!Q51,X$7)+'ROBijHuidige hypotheek'!R51)","v":0.05},0,0,0,{"$f":"IF($N41<=AB$4,IF(AB$10,'ROBijHuidige hypotheek'!W51,0)+AA40,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!U51,AB$7)+'ROBijHuidige hypotheek'!V51)","v":0.05},0,0,0,{"$f":"IF($N41<=AF$4,IF(AF$10,'ROBijHuidige hypotheek'!AA51,0)+AE40,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!Y51,AF$7)+'ROBijHuidige hypotheek'!Z51)","v":0.05},0,0,0,{"$f":"IF($N41<=AJ$4,IF(AJ$10,'ROBijHuidige hypotheek'!AE51,0)+AI40,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!AC51,AJ$7)+'ROBijHuidige hypotheek'!AD51)","v":0.05},0,0,0,{"$f":"IF($N41<=AN$4,IF(AN$10,'ROBijHuidige hypotheek'!AI51,0)+AM40,IF(AlgemeenOUD!$F$41=1,'ROBijHuidige hypotheek'!AG51,AN$7)+'ROBijHuidige hypotheek'!AH51)","v":0.05},0,0,0,null,0.05,null,0,0,null,{"$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$6>=$N41))+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},0,0.36549999999999999,0.36549999999999999,0.36549999999999999,0.36549999999999999,0]
[]
[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,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,"Netto betaald (excl. aflossing)",null,null,null,null,"Na",30,"jr:",{"$f":"SUM(OFFSET(AG41,0,0,H6,1))*12","v":5220},null,"Onderhoud",null,null,null,{"$f":"IF(Algemeen!$B$56=TRUE,\"Loopt reeds\",IF(AlgemeenOUD!C41=0,\"Geen\",AlgemeenOUD!C41))","v":14.5},null,null,null,null,null,null,null,"Lineair",null,null,null,null,null,null,null,{"$f":"IF(AF4,Algemeen!S21,INDEX(Ropsl_banken,AF5))","v":"ING"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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,{"$f":"IF(Algemeen!A37=TRUE,\"WOZ (loket) waarde\",\"WOZ waarde\")","v":"WOZ waarde"},null,null,null,null,{"$f":"AlgemeenOUD!F50","v":0},null,null,null,null,"Consumptief deel",null,null,null,{"$f":"IF(CI30>0,CI30,IF(AND(AlgemeenOUD!F29=0,CI30=0),\"Geen\",AlgemeenOUD!F29))","v":"Geen"},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:",null,null,null,null,null,"Renteafslag aan?","nee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gewogen % zichtbaar",null,null,null,null,null,"(dropdown)"]
[null,{"$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!E39+Overlijden!M39>0,Overlijden!E39+Overlijden!M39,\"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,{"$f":"IF(B21=\"Bankspaar\",IF(AND(AI7=\"Ja\",isbankspaar),\"Waarde banksparen meenemen?\",\"Geen bankspaar, geen keuze!\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ7=CC5,1,2)","v":1}]
[null,{"$f":"IF(AlgemeenOUD!G52=1,\"Indexpercentage marktwaarde\",0)","v":0},null,null,null,null,{"$f":"IF(AlgemeenOUD!G52=1,AlgemeenOUD!F52,0)","v":0},null,null,null,null,"Levenpremie per maand",null,null,null,{"$f":"AI4","v":0},null,null,null,null,null,null,null,null,null,null,null,"Letter verwijst naar kolom waar invoer te vinden is.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toetsrente",null,null,null,null,null,"Gewogen rente"]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,{"$f":"AI5","v":0},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,{"$f":"AlgemeenOUD!C41","v":14.5}]
[null,"Waarde",null,null,{"$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,{"$f":"AlgemeenOUD!C53","v":0}]
[null,"1e storting bankspaarrekening:",null,null,null,null,18500,null,null,null,null,{"$f":"IF(ISERROR(BijVK!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":"?"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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,{"$f":"IF(G16>0,\"Premie banksparen\",\"Premie volgt na invullen 1e storting\")","v":"Premie banksparen"},null,null,null,null,{"$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,{"$f":"IF(G5<>AH16,\"Totale leningdelen zijn niet gelijk aan de som op ALGEMEEN\",\"Som blad algemeen\")","v":"Som blad algemeen"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$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},{"$f":"+CJ18*CG18","v":0}]
[null,"Hypotheekvorm",null,null,"Hoofdsom",null,null,"Looptijd",null,"Jaar","Rente","Aftrekbaarheid",null,null,"Extra Aflossing",null,null,"NHG",null,null,null,null,null,null,"niet 30j",null,null,"Type(A/L/)",null,{"$f":"CHAR(64+COLUMN(W22))","v":"W"},null,null,null,{"$f":"IF(AND(ROWS($21:21)=$AL$30,$AK$32<0),\"Max=\"&TEXT($AL$32,\"#.###0\"),IF(AND(AL21=1,$AK$32>0),IF(B21=\"\",\"Kies vorm\",IF(AND(H21=0,I21=0),\"Vul looptijd in\",\"Ruimte:\"&TEXT(FLOOR(-PV(K21/12,H21*12+(I21/12),$AK$32),1),\"#.###0\"))),\"\"))","v":""},null,null,{"$f":"'Financiële Gegevens'!$C$49","v":0.05},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente scenario",null,null,"Rente scenario",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI19*CH19","v":0},{"$f":"+CJ19*CG19","v":0}]
[null,null,null,null,null,null,null,"Jr","Mnd","Vast",null,"Jaren","Bedrag",null,"Jaar","Aflossing",null,{"$f":"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$32),1),\"#.###0\"))),\"\"))","v":""},null,null,"Max Verst",{"$f":"'Maximale verstrekking'!W49","v":166.31324999309803},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}]
[1,null,null,null,null,null,null,null,null,null,{"$f":"uw_gekozen_rente","v":0.05},{"$f":"H21+(I21>0)*1","v":0},{"$f":"E21","v":0},null,null,null,null,{"$f":"IF(AND(B21=\"\",E21<>0),\"Kies de hypotheekvorm\",\"\")","v":""},null,null,null,null,{"$f":"IF(B21=$X$7,\"\",UPPER(LEFT(B21,1)))","v":""},{"$f":"IF(M21=0,100%,MIN(1,M21/E21))","v":1},{"$f":"IF(LEN($Y$20)<>LEN(SUBSTITUTE($Y$20,W21,\"\")),H21+I21/12,30)","v":30},false,{"$f":"BijVK!E15","v":0},"Percentage",null,{"$f":"CHAR(64+COLUMN(K24))","v":"K"},null,null,null,{"$f":"IF(AND(ROWS($21:23)=$AL$30,$AK$32<0),\"Corrigeer: € \"&TEXT($AL$32,\"#.###0\"),IF(AND(AL23=1,$AK$32>0),IF(B23=\"\",\"Er is nog ruimte\",IF(AND(H23=0,I23=0),\"Vul looptijd in\",\"Ruimte:\"&TEXT(FLOOR(-PV(K23/12,H23*12+(I23/12),$AK$32),1),\"#.###0\"))),\"\"))","v":""},null,{"$f":"IF(AND(J21>0,J21<10),IF(AH19>$AQ$30,$AQ$30,\"\"),\"\")","v":""},{"$f":"IFERROR(PMT(K21/12,Y21*12,-E21),0)","v":0},{"$f":"AND(E20>0,E21=0)*1","v":0},{"$f":"E21*Y21","v":0},{"$f":"+AM21*IF(AND(J21<>0,J21<10),$AK$19,K21)","v":0},{"$f":"MAX(0,IF(M21=0,0,E21-M21))","v":0},"toetsR",{"$f":"+AN30/AM30","v":{"$error":"#DIV/0!"}},"HLP","HLP","HLP","=Popt",null,null,null,null,{"$f":"Annuiteit!BC41","v":10},0.03,null,null,{"$f":"AZ21","v":10},{"$f":"BA21","v":0.03},null,null,{"$f":"BD21","v":10},0.03,null,null,{"$f":"BH21","v":10},0.03,null,null,{"$f":"BL21","v":10},0.03,null,{"$f":"BO21","v":0},10,null,{"$f":"BR21","v":0},0]
[{"$f":"IF(B22>0,ROWS($21:22),0)","v":0},null,null,null,null,null,null,{"$f":"IF(H21>0,H21,0)","v":0},0,0,0.05,0,0,null,null,null,null,{"$f":"IF(AND(B22=\"\",E22<>0),\"Kies de hypotheekvorm\",\"\")","v":""},null,null,null,null,"",1,{"$f":"IF(LEN($Y$20)<>LEN(SUBSTITUTE($Y$20,W22,\"\")),H22+I22/12,30)","v":30},false,{"$f":"BijVK!E16","v":0},"Extra",null,{"$f":"CHAR(64+COLUMN(P25))","v":"P"},{"$f":"CHAR(64+COLUMN(O25))","v":"O"},{"$f":"CHAR(64+COLUMN(Z25))","v":"Z"},null,{"$f":"IF(AND(ROWS($21:24)=$AL$30,$AK$32<0),\"Max=\"&TEXT($AL$32,\"#.###0\"),IF(AND(AL24=1,$AK$32>0),IF(B24=\"\",\"Kies vorm\",IF(AND(H24=0,I24=0),\"Vul looptijd in\",\"Ruimte:\"&TEXT(FLOOR(-PV(K24/12,H24*12+(I24/12),$AK$32),1),\"#.###0\"))),\"\"))","v":""},null,"",0,0,0,0,0,"optimaal",{"$f":"ROUND(+AQ21*200+0.5,0)/200+0.001%","v":{"$error":"#DIV/0!"}},"HL","HL","HL",null,null,null,null,null,20,0.06,null,null,{"$f":"AZ22","v":20},0.06,null,null,20,0.06,null,null,20,0.06,null,null,20,0.06,null,0,20,null,0,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CJ16:CJ21)","v":0},{"$f":"SUM(CK16:CK21)","v":0}]
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[{"$f":"IF(B24>0,ROWS($21:24),0)","v":0},null,null,null,null,null,null,0,0,0,0.05,0,0,null,null,null,null,"",null,null,null,null,"",1,30,false,{"$f":"BijVK!E18","v":0},"Afsl direct",null,null,null,null,null,{"$f":"IF(AND(ROWS($21:26)=$AL$30,$AK$32<0),\"Max=\"&TEXT($AL$32,\"#.###0\"),IF(AND(AL26=1,$AK$32>0),IF(B26=\"\",\"Kies vorm\",IF(AND(H26=0,I26=0),\"Vul looptijd in\",\"Ruimte:\"&TEXT(FLOOR(-PV(K26/12,H26*12+(I26/12),$AK$32),1),\"#.###0\"))),\"\"))","v":""},null,"",0,0,0,0,0,null,{"$f":"+AN30-AM30*AQ22","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AZ24","v":0},0,null,null,0,0,null,null,0,0,null,null,0,0,null,0,0,null,0,0]
[{"$f":"IF(B25>0,ROWS($21:25),0)","v":0},null,null,null,null,null,null,0,0,0,0.05,0,0,null,null,null,null,"",null,null,null,null,"",1,30,false,{"$f":"BijVK!E19","v":0},"Hoofdsom",null,{"$f":"CHAR(64+COLUMN(E29))","v":"E"},null,null,null,{"$f":"IF(AND(ROWS($21:27)=$AL$30,$AK$32<0),\"Max=\"&TEXT($AL$32,\"#.###0\"),IF(AND(AL27=1,$AK$32>0),IF(B27=\"\",\"Kies vorm\",IF(AND(H27=0,I27=0),\"Vul looptijd in\",\"Ruimte:\"&TEXT(FLOOR(-PV(K27/12,H27*12+(I27/12),$AK$32),1),\"#.###0\"))),\"\"))","v":""},null,"",0,0,0,0,0,null,{"$f":"+AQ23*(AQ22-AK19)","v":{"$error":"#DIV/0!"}},"c1+HLP","=","Popt(","c2+HL)"]
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[null,null,null,null,null,null,null,0,0,0,0.05,0,0,null,null,null,null,"",null,null,null,null,null,null,null,false,{"$f":"BijVK!E21","v":0},null,null,null,null,null,null,null,null,null,0,0,0,0,0]
[{"$f":"IF(B28>0,ROWS($21:28),0)","v":0},null,null,null,null,null,null,{"$f":"H27","v":0},0,0,0.05,null,null,null,null,null,null,"",null,null,null,null,{"$f":"IF(B28=$X$7,\"\",UPPER(LEFT(B28,1)))","v":""},{"$f":"IF(M28=0,100%,MIN(1,M28/E28))","v":1},30,false,{"$f":"BijVK!E22","v":0},null,null,null,null,null,null,"Max ALGEMEEN",null,{"$f":"IF(AND(J28>0,J28<10),IF(AH26>$AQ$30,$AQ$30,\"\"),\"\")","v":""},0,{"$f":"AND(E26>0,E28=0)*1","v":0},0,0,0]
[null,"=>Voeg rij toe",null,null,null,null,null,0,0,0,0.05,null,null,null,null,null,null,"",null,null,null,null,{"$f":"UPPER(LEFT(D29,1))","v":""},{"$f":"IF(ISBLANK(M29),100%,M29/F29)","v":1},null,null,{"$f":"BijVK!E23","v":0},null,null,null,null,null,null,{"$f":"AlgemeenOUD!C35","v":64257.098673289962},null,null,null,null,0,0,0]
[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,null,null,null,null,null,{"$f":"SUM(AK21:AK29)","v":0},{"$f":"IF(SUM(AL21:AL29)=0,0,MATCH(1,AL22:AL29,))","v":0},{"$f":"SUM(AM21:AM29)","v":0},{"$f":"SUM(AN21:AN29)","v":0},{"$f":"SUM(AO21:AO29)","v":0},null,{"$f":"IFERROR(+AQ24/AQ25,0)","v":0},"c1-Popt*c2","=","Popt*HL - HLP",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Consumptief",null,{"$f":"SUM(CF47:CH47)","v":0}]
[{"$f":"SUM(A32:A34)","v":0},{"$f":"IF(A32,\"Restschuld \",\"\")&IFERROR(IF(A32,\" & \",\"\")&CHOOSE(A33+A34,\"Krediet\",\"Kredieten\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Jaar","Aflossing"]
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[{"$f":"Krediet1*1","v":0},{"$f":"'Algemeen overig'!B50","v":"PL "},null,null,{"$f":"'Algemeen overig'!K32","v":10000},null,"Rente",{"$f":"'Algemeen overig'!K34","v":0.06},null,{"$f":"J32","v":"Looptijd"},{"$f":"kinvoer1&\" jr\"","v":"6 jr"},{"$f":"L32","v":"Aftrek "},{"$f":"'Algemeen overig'!K37&\" jaar\"","v":"7 jaar"},null,null,0]
[{"$f":"Krediet2*1","v":0},{"$f":"'Algemeen overig'!B51","v":"PL "},null,null,{"$f":"'Algemeen overig'!Q32","v":15000},null,"Rente",{"$f":"'Algemeen overig'!Q34","v":0.08},null,{"$f":"J33","v":"Looptijd"},{"$f":"kinvoer2&\" jr\"","v":"10 jr"},{"$f":"L33","v":"Aftrek "},{"$f":"'Algemeen overig'!Q37&\" jaar\"","v":"11 jaar"},null,null,0]
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[null,null,{"$f":"'Auto tekst rentescenarios'!E25","v":"Fictief rentescenario; na 10 jr 3% en na 20 jr 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,"Bruto zonder restschuld",null,{"$f":"SUM(P41:P70)*12+(SUM((P21:P28),SUM(R41:R70)*12+(SUM((P21:P28)))))","v":5220},null,null,null,27]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto met restschuld",null,{"$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,"Netto zonder",null,{"$f":"SUM(Q41:S70)*12+(SUM((P21:P28)))","v":5220},null,null,null,29]
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[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Jaren","Jaartal","Resultaat"]
[null,null,"Rente deel 1",1,{"$f":"J21","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E88-1","v":2016},{"$f":"IF(Algemeen!M$42=TRUE,'Vrije Keuze'!F88,'Vrije Keuze'!E88)","v":0}]
[null,null,"Rente deel 2",2,{"$f":"J22","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E89-1","v":2016},{"$f":"IF(Algemeen!M$42=TRUE,'Vrije Keuze'!F89,'Vrije Keuze'!E89)","v":0}]
[null,null,"Rente deel 3",3,{"$f":"J23","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E90-1","v":2016},{"$f":"IF(Algemeen!M$42=TRUE,'Vrije Keuze'!F90,'Vrije Keuze'!E90)","v":0}]
[null,null,"Rente deel 4",4,{"$f":"J24","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E91-1","v":2016},{"$f":"IF(Algemeen!M$42=TRUE,'Vrije Keuze'!F91,'Vrije Keuze'!E91)","v":0}]
[null,null,"Rente deel 5",5,{"$f":"J25","v":0},{"$f":"'Financiële Gegevens'!M$53+'Vrije Keuze'!E92-1","v":2016},{"$f":"IF(Algemeen!M$42=TRUE,'Vrije Keuze'!F92,'Vrije Keuze'!E92)","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Automatisch tekst rentescenario",null,null,null,null,"Naam tabblad:",null,null,{"$f":"MID(CELL(\"bestandsnaam\",A2),SEARCH(\"]\",CELL(\"bestandsnaam\",A2),1)+1,99)","v":"Vrije Keuze"}]
[]
[]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%\"","v":"Fictief rentescenario; na 10 jr 3%"},{"$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 10 jr 3% en na 20 jr 6%"},{"$f":"IF(AND(AZ23=0,AZ22>0),1,0)","v":1},{"$f":"IF(C107=1,B107,0)","v":"Fictief rentescenario; na 10 jr 3% en na 20 jr 6%"}]
[null,{"$f":"\"Fictief rentescenario; na \"&AZ21&\" jr \"&BA21*100&\"%, na \"&AZ22&\" jr \"&BA22*100&\"% en na \"&AZ23&\" jr \"&BA23*100&\"%\"","v":"Fictief rentescenario; na 10 jr 3%, na 20 jr 6% en na  jr 0%"},{"$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 10 jr 3%, na 20 jr 6%, 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":"Fictief rentescenario; na 10 jr 3% en na 20 jr 6%"}]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AQ21","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,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,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":20},null,{"$f":"IF(Algemeen!Q33>0,Algemeen!Q33,IF(K21>0,K21,0))","v":1.4999999999999999E-2}]
[null,{"$f":"Annuiteit!B5","v":"Hypotheeksom"},null,null,null,null,{"$f":"SUM(E21:F28)","v":{"$error":"#VALUE!"}},null,null,null,null,"(Hoogste)IB-tarief",null,null,null,{"$f":"BIJOptimaalhypotheek!BR5","v":0.36549999999999999},null,null,null,null,null,null,null,"Annuïteit",null,null,null,null,null,null,null,{"$f":"Algemeen!Y21","v":10},null,"Aantal jaar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Netto betaald (excl. aflossing)",null,null,null,null,"Na",30,"jr:",{"$f":"SUM(OFFSET(AG41,0,0,H6,1))*12","v":{"$error":"#VALUE!"}},null,"Onderhoud",null,null,null,{"$f":"IF(AlgemeenOUD!C41=0,\"Geen\",AlgemeenOUD!C41)","v":14.5},null,null,null,null,null,null,null,"Lineair",null,null,null,null,null,null,null,{"$f":"IF(AF4,Algemeen!S21,INDEX(Ropsl_banken,AF5))","v":"ING"}]
[null,"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":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,"Aflosvrij",null,null,null,"Als invoercellen worden verplaatst:",null,null,null,null,null,"Renteafslag aan?","nee"]
[null,{"$f":"AlgemeenOUD!E51","v":"Marktwaarde"},null,null,null,null,{"$f":"AlgemeenOUD!F51","v":0},null,null,null,null,"Premie overlijdensrisico",null,null,null,{"$f":"Overlijden!E39+Overlijden!M39","v":0},null,null,null,null,null,null,null,"Bankspaar",null,null,null,"Pas ook letters in AA:AD aan.",null,null,null,null,null,{"$f":"IF(B21=\"Bankspaar\",IF(AND(AI7=\"Ja\",isbankspaar),\"Waarde banksparen meenemen?\",\"Geen bankspaar, geen keuze!\"),\"\")","v":""}]
[null,{"$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":"AI4","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"]
[null,null,null,null,null,null,null,null,null,null,null,"Aantal jaar premiebetaling",null,null,null,{"$f":"AI5","v":0},null,null,null,null,null,null,null,null,null,null,null,"BV. RenteVast, staat in kolom I.",null,null,null,null,null,{"$f":"IF(G5<>AH16,\"Totale leningdelen\",\"Som blad algemeen\")","v":{"$error":"#VALUE!"}},{"$f":"IF(AH10=\"Som blad algemeen\",\"   Toets%\",\"zijn niet gelijk aan de som op ALGEMEEN\")","v":{"$error":"#VALUE!"}}]
[null,"Houdt rekening met renteafslagen"]
[null,"Onderhoud",null,null,{"$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,18500,null,null,null,null,{"$f":"IF(ISERROR(BIJOptimaalhypotheek!AT1),\"U kunt maar één bankspaar regel invoeren!\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!C27","v":0},{"$f":"IFERROR(AQ21,\"?\")","v":"?"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI16*CH16","v":0},{"$f":"+CJ16*CG16","v":0}]
[null,{"$f":"IF(G16>0,\"Premie banksparen\",\"Premie volgt na invullen 1e storting\")","v":"Premie banksparen"},null,null,null,null,{"$f":"IF(G16>0,BIJOptimaalhypotheek!AT12,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$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,{"$f":"CHAR(64+COLUMN(J21))","v":"J"},null,null,null,"Ruimte",null,"optimaal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Leningdeel 1",null,null,null,"Leningdeel 2",null,null,null,"Leningdeel 3",null,null,null,"Leningdeel 4",null,null,null,"Leningdeel 5",null,null,"Leningdeel 6",null,null,"Leningdeel 7",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI18*CH18","v":0},{"$f":"+CJ18*CG18","v":0}]
[null,"Hypotheekvorm",null,null,"Hoofdsom",null,null,"Looptijd",null,"Jaar","Rente","Aftrekbaarheid",null,null,"Extra Aflossing",null,null,"NHG",null,null,null,null,null,null,"niet 30j",null,null,"Type(A/L/)",null,{"$f":"CHAR(64+COLUMN(W22))","v":"W"},null,null,null,{"$f":"IF(AND(ROWS($21:21)=$AL$30,$AK$32<0),\"Max=\"&TEXT($AL$32,\"#.###0\"),IF(AND(AL21=1,$AK$32>0),IF(B21=\"\",\"Kies vorm\",IF(AND(H21=0,I21=0),\"Vul looptijd in\",\"Ruimte:\"&TEXT(FLOOR(-PV(K21/12,H21*12+(I21/12),$AK$32),1),\"#.###0\"))),\"\"))","v":{"$error":"#VALUE!"}},null,null,{"$f":"'Financiële Gegevens'!$C$49","v":0.05},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente scenario",null,null,"Rente scenario",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CI19*CH19","v":0},{"$f":"+CJ19*CG19","v":0}]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LET OP: de formule in de rij bij jaar 1, is vaak verschillen. Door kopieren dus pas vanaf jaar 2 naar beneden."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS(REST($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$8;0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         eindlooptijd;0;annutiet; stand na 12 maanden, start in rij-1; linear; vorigjaar - 1/x deel; constant;DK vorigjaar - % * 12 * hoofdsom)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=SOM((N9:Z9)*(REST(KOLOM(N9:Z9);3)=REST(KOLOM(O9);3)))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-/- extra aflossing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente en Aflossing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   zogenaamde superfunctie: afsluiten met <Shift><Ctrl><Enter>, anders krijg je #WAARDE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=ALS($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,{"$f":"Gegevens!I6","v":""},null,null,null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!C123","v":360},"looptijd aflosdeel",{"$f":"IF(Algemeen!N26=0,AlgemeenOUD!C45,AlgemeenOUD!C46)","v":0},{"$f":"AlgemeenOUD!F45","v":1.4999999999999999E-2},{"$f":"T2*U2","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"V3/((SUM(T1:T2)))","v":{"$error":"#DIV/0!"}},{"$f":"SUM(V1:V2)","v":0}]
[null,null,null,null,null,null,"Optimaalhypotheek",null,null,null,{"$f":"AlgemeenOUD!C27","v":0},{"$f":"IF(AND(AlgemeenOUD!F30>0,AlgemeenOUD!C123<360),\"Looptijd in jaren annuïteit\",\"Looptijd in jaren\")","v":"Looptijd in jaren"},null,null,{"$f":"AlgemeenOUD!C123/12","v":30},null,"Tot 5 jaar",{"$f":"PMT(S4/12,O4*12,-(H19-AlgemeenOUD!F30),0,0)","v":{"$error":"#DIV/0!"}},{"$f":"K5","v":{"$error":"#DIV/0!"}},"JA",19.5]
[null,null,null,null,null,null,"Rente gemiddeld",null,null,null,{"$f":"U3","v":{"$error":"#DIV/0!"}},"Belastingtarief",null,null,{"$f":"'Voorstel HOR'!F28","v":0.36549999999999999},null,"Tot 10 jaar",{"$f":"PMT(S5/12,(O4-5)*12,-(M23),0,0)","v":{"$error":"#DIV/0!"}},{"$f":"IF(P$11=1,IF(K$6=5,V17,IF(K$6=10,W17,IF(K$6=15,X17,IF(K$6=20,Y17,IF(K$6=25,Z17,IF(K$6=30,AA17)))))),S$4)","v":{"$error":"#DIV/0!"}},"NEE",0]
[null,null,null,null,null,null,"Rentemix",null,null,null,{"$f":"Q1&\" & \"&AlgemeenOUD!F46&\" jaar\"","v":"30 & 20 jaar"},"WOZ-waarde",null,null,{"$f":"AlgemeenOUD!F50","v":0},null,"Tot 15 jaar",{"$f":"PMT(S6/12,(O4-10)*12,-(M28),0,0)","v":{"$error":"#DIV/0!"}},{"$f":"IF(P$11=1,IF(K$6=5,V18,IF(K$6=10,W18,IF(K$6=15,X18,IF(K$6=20,Y18,IF(K$6=25,Z18,IF(K$6=30,AA18)))))),S$4)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,{"$f":"OverlijdenOUD!C22+OverlijdenOUD!C28","v":0},{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,{"$f":"AlgemeenOUD!C41","v":14.5},null,"Tot 20 jaar",{"$f":"PMT(S7/12,(O4-15)*12,-(M33),0,0)","v":{"$error":"#DIV/0!"}},{"$f":"IF(P$11=1,IF(K$6=5,V19,IF(K$6=10,W19,IF(K$6=15,X19,IF(K$6=20,Y19,IF(K$6=25,Z19,IF(K$6=30,AA19)))))),S$4)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,{"$f":"\"Bedrag \"&VLOOKUP(AlgemeenOUD!F43,AlgemeenOUD!B97:C102,2)&\" jaar vast\"","v":"Bedrag 30 jaar vast"},null,null,null,{"$f":"IF(AlgemeenOUD!B46>AlgemeenOUD!B45,AlgemeenOUD!B46,AlgemeenOUD!B45)","v":"XXX"},{"$f":"\"Bedrag \"&AlgemeenOUD!F46&\" jaar vast\"","v":"Bedrag 20 jaar vast"},null,null,{"$f":"IF(AlgemeenOUD!C46>AlgemeenOUD!C45,AlgemeenOUD!C46,AlgemeenOUD!C45)","v":"XXX"},null,"Tot 25 jaar",{"$f":"PMT(S8/12,(O4-20)*12,-(M39),0,0)","v":{"$error":"#DIV/0!"}},{"$f":"IF(P$12=1,IF(K$6=5,V21,IF(K$6=10,W21,IF(K$6=15,X21,IF(K$6=20,Y21,IF(K$6=25,Z21,IF(K$6=30,AA21)))))),S$4)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,{"$f":"\"Rentepercentage \"&VLOOKUP(AlgemeenOUD!F43,AlgemeenOUD!A103:B109,2)&\" jaar vast\"","v":"Rentepercentage  jaar vast"},null,null,null,{"$f":"AlgemeenOUD!F35","v":0.05},{"$f":"\"Rentepercentage \"&AlgemeenOUD!F46&\" jaar vast\"","v":"Rentepercentage 20 jaar vast"},null,null,{"$f":"AlgemeenOUD!F45","v":1.4999999999999999E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tot 30 jaar",{"$f":"PMT(S10/12,(O4-25)*12,-(M43),0,0)","v":{"$error":"#DIV/0!"}},{"$f":"IF(P$11=1,IF(K$6=5,V21,IF(K$6=10,W21,IF(K$6=15,X21,IF(K$6=20,Y21,IF(K$6=25,Z21,IF(K$6=30,AA21)))))),S$4)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,{"$f":"IF(P11=1,IF(K6=5,\"Rente na 5 jr \"&V17*100&\"%, na 10 jr \"&V18*100&\"%, na 15 jr \"&V19*100&\"%, na 20 jr \"&V20*100&\"%, na 25 jr \"&V21*100&\"%.\",IF(K6=10,\"Rente na 10 jaar \"&W18*100&\"% en na 20 jaar tot 30 jaar \"&W20*100&\"%.\",IF(K6=15,\"Rente na 15 jaar tot einde looptijd \"&X19*100&\"%.\",IF(K6=20,\"Rente na 20 jaar tot einde looptijd \"&Y20*100&\"%.\",IF(K6=25,\"Rente na 25 jaar tot einde looptijd \"&Z21*100&\"%.\",IF(K6=30,\"Geen rentescenario. De rente staat de gehele looptijd vast.\")))))),\"In deze berekening is geen rentescenario opgenomen\")","v":"In deze berekening is geen rentescenario opgenomen"},null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!F41","v":2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,10,15,20,25,30,null,null,null,null,"Looptijd ",null,null,"Wet Hillen"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!C30-1","v":30}]
[null,null,null,null,null,"Belasting 2008"]
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[null,null,"Rentevergelijk"]
[""]
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["Hypotheeksom",null,{"$f":"D26+D27+D28+D29+D30","v":160000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.05,{"$error":"#DIV/0!"}]
[{"$f":"IF(AlgemeenOUD!F30>0,\"Waarvan aflosvrij\",\" \")","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.05,{"$error":"#DIV/0!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#DIV/0!"}]
["Vergelijk op basis van verschilldende 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,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,null,null,null,null,null,null,"Annuiteit","Aflosvrij"]
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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,null,null,null,null,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[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,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[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,"Bruto","Netto","TB","TN","Corr. B3","TOTAAL"]
[]
["Hypotheekvorm",null,null,"Hoofdsom",null,null,"Looptijd",null,"Jaar","Rente","Rente","Rente","Rente","Aftrekbaarheid"]
[null,null,null,null,null,null,"Jr","Mnd","Vast","Delta Lloyd","Argenta","Delta Lloyd","Syntrus","Jaren","Bedrag"]
["Annuïteit",null,null,100000,null,null,30,null,10,0.02,0.02,1.7999999999999999E-2,1.7500000000000002E-2,30,{"$f":"D26","v":100000}]
["Annuïteit",null,null,50000,null,null,25,5,15,2.1499999999999998E-2,2.5999999999999999E-2,2.3E-2,2.1999999999999999E-2,{"$f":"G27","v":25},{"$f":"D27","v":50000}]
["Aflosvrij",null,null,10000,null,null,30,null,10,0.02,2.1999999999999999E-2,0.02,1.95E-2,{"$f":"G28","v":30},{"$f":"D28","v":10000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aflosvrij"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[]
[]
[]
[]
[]
[]
["IB-Tarief",null,null,null,null,{"$f":"Vergelijk!E33","v":0.36549999999999999}]
["WOZ-waarde",null,null,null,null,{"$f":"Vergelijk!E34","v":0}]
["Marktwaarde",null,null,null,null,{"$f":"'Voorstel HOR'!K33","v":0}]
["Niet-aftrekbaar hypotheekdeel",null,null,null,null,{"$f":"Vergelijk!E36","v":0}]
["Comfort Servicepakket",null,null,null,null,{"$f":"Vergelijk!E37","v":14.5}]
["Premie overlijdensrisicodekking",null,null,null,null,{"$f":"C78","v":0}]
["ING/ABN/SNS/RABOBANK",null,null,null,null,"Rente inclusief korting i.v.m. bankieren"]
[null,null,null,null,1.6E-2]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Gemiddeld",null,0]
["Eind 1e jaar",null,0,null,null,null,null,"Rente",null,null,null,null,"Box 1"]
["Lineair",null,0,null,null,null,"Rente","Correctie","Bruto",null,null,null,"Rente",null,null,"IB terug",null,null,"Netto"]
["Hypotheeksom",null,0,null,null,1,1.7999999999999999E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["Looptijd",null,30,null,null,2,1.95E-2,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["Aflossing",null,0,null,null,3,0.02,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"},null,null,{"$error":"#DIV/0!"}]
["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:"]
[{"$f":"IF(C6=C7,\"Aflosvrij\",IF(AND(A65=2,C73>0),\"Annuiteit en aflosvrij\",IF(AND(A65=1,C73>0),\"Lineair en aflosvrij\",IF(AND(A65=2,C73=0),\"Annuiteitenhypotheek\",IF(AND(A65=1,C73=0),\"Lineaire hypotheek\",IF(AND(A65=3,C7>0),\"Annuïteit en lineair i.c.m. aflosvrij\",IF(AND(A65=3,C7=0),\"Annuïteit en lineair\")))))))","v":"Aflosvrij"}]
[{"$f":"Gegevens!I6","v":""}]
[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,{"$f":"IF(C6=C7,\"Alleen aflosvrij\",IF(C7>0,\"Aflosvrij i.c.m.\",0))","v":"Alleen aflosvrij"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Box 3",{"$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,{"$f":"AlgemeenOUD!F35","v":0.05},{"$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,{"$f":"AlgemeenOUD!F35+AlgemeenOUD!F32","v":0.05},{"$f":"Q7/C6*O7","v":{"$error":"#DIV/0!"}}]
["(Maximale verstrekking staat tussen haakjes vermeld)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R6:R7)","v":{"$error":"#DIV/0!"}}]
[{"$f":"\"Vergelijk op basis van \"&O15&\" jaar vast bij VERSCHILLENDE geldverstrekkers\"","v":"Vergelijk op basis van 5 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"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ZELF INVULLEN"]
[]
[{"$f":"Vergelijk!L10","v":{"$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 ",null,"Rente uit tabblad ALGEMEEN is:"]
[{"$f":"Vergelijk!J35","v":{"$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,{"$f":"Algemeen!E26","v":5},null,"Rente%"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Argenta",null,1.7999999999999999E-2]
["Bruto",null,null,"Bruto",null,null,"Bruto",null,null,"Bruto",null,null,null,null,"AEGON",null,1.95E-2]
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["Netto",null,null,"Netto",null,null,"Netto",null,null,"Netto",null,null,null,null,"RABOBANK",null,2.1000000000000001E-2,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AI19*12-AD19","v":0},{"$f":"AB19-AE19","v":0},{"$f":"FV(P19/12,AA19*12,AI19,-AB19)","v":0},{"$f":"IF(C$47=1,AI19+19.5+C$48,AI19+C$48)","v":0},{"$f":"MAX(0,(AC19-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AF19-AG19","v":0},{"$f":"PMT(P19/12,AlgemeenOUD!C$123,-AB19,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P19/12)","v":0},{"$f":"AJ19*(100%-F$43)","v":0},{"$f":"AF19+AJ19","v":0},{"$f":"AH19+AK19","v":0},{"$f":"(AJ$5*P19*F$43)/12","v":0},{"$f":"AN19+AM19","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,null,null,null,null,1,{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",C$6,C$6-C$7)","v":0},{"$f":"AI20*12-AD20","v":0},{"$f":"AB20-AE20","v":0},{"$f":"FV(P20/12,AA20*12,AI20,-AB20)","v":0},{"$f":"IF(C$47=1,AI20+19.5+C$48,AI20+C$48)","v":0},{"$f":"MAX(0,(AC20-(C$44*'Financiële Gegevens'!B$37))*C$43)/12","v":0},{"$f":"AF20-AG20","v":0},{"$f":"PMT(P20/12,AlgemeenOUD!C$123,-AB20,0,0)","v":0},{"$f":"IF(C$7=\"Er is geen aflosvrij hypotheekdeel\",0,C$7*P20/12)","v":0},{"$f":"AJ20*(100%-F$43)","v":0},{"$f":"AF20+AJ20","v":0},{"$f":"AH20+AK20","v":0},{"$f":"(AJ$5*P20*F$43)/12","v":0},{"$f":"AN20+AM20","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,{"$f":"IF(O15=5,10,IF(O15=10,5,IF(O15=20,5,IF(O15=15,5,IF(O15=30,5)))))","v":10},"ARGENTA",null,1.4999999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O15=5,15,IF(O15=10,15,IF(O15=15,10,IF(O15=20,10,IF(O15=30,10)))))","v":15},"IQWoon",null,2.1499999999999998E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O15=5,20,IF(O15=10,20,IF(O15=15,20,IF(O15=30,15,IF(O15=20,15)))))","v":20},"MUNT",null,2.6499999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$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,2.8500000000000001E-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"]
[{"$f":"N24&\" jaar\"","v":"10 jaar"},null,null,{"$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}]
[{"$f":"Vergelijk!J40","v":{"$error":"#DIV/0!"}},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}]
[]
[]
[]
[]
["IB-Tarief",null,null,null,null,{"$f":"Vergelijk!E33","v":0.36549999999999999}]
["WOZ-waarde",null,null,null,null,{"$f":"Vergelijk!E34","v":0}]
["Marktwaarde",null,null,null,null,{"$f":"'Voorstel HOR'!K33","v":0}]
["Niet-aftrekbaar hypotheekdeel",null,null,null,null,{"$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":1.7999999999999999E-2},{"$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":1.95E-2},{"$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":0.02},{"$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":2.1000000000000001E-2},{"$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":1.4999999999999999E-2},{"$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":2.1499999999999998E-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":2.6499999999999999E-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,{"$f":"AlgemeenOUD!C16","v":0.36549999999999999},null,null,8,{"$f":"Q27","v":2.8500000000000001E-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,{"$f":"Overlijden!E39+Overlijden!M39","v":0}]
["CSP",null,{"$f":"Algemeen!E43","v":14.5}]
["Box 3",null,{"$f":"AlgemeenOUD!F29","v":0}]
["Aftrekbaar",null,{"$f":"C70-C80","v":0}]
[]
[]
[]
["Balans:"]
[]
["Annuiteit",null,{"$f":"Balans!E10","v":0}]
["Lineair",null,{"$f":"Balans!E16","v":0},0.5,null,null,null,null,null,null,null,null,"rente ",null,null,"box 1",null,"IB "]
["Aflosvrij",null,{"$f":"Algemeen!K41","v":0},"AFL","TW",null,"ann","lin","rente lin","rente ann","rente afl.vr",null,"box3","extra","TOTAAL","rente",null,"Terug","Netto"]
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[null,null,null,null,null,null,null,"Aflosvrij deel",null,null,{"$f":"IF(Algemeen!K41>0,Algemeen!K41,\"Geen\")","v":"Geen"},null,null,null,"Onderhoud",null,null,{"$f":"IF(Algemeen!E43>0,Algemeen!E43,\"Geen\")","v":14.5},null,null,38.224610227447883,2.2499999999999999E-2,"NEE",0]
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[{"$f":"IF(D19>=67,B19,IF(R$6=42%,E19,IF(R$6=52%,F$19,R$6)))","v":{"$error":"#REF!"}},{"$f":"IF(D19>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D19=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!"}},0.40150000000000002,0.505,null,"Netto betaald na 10 jaar",null,null,{"$f":"SUM(Annuiteit!P40:R49)*12","v":1740},null,null,{"$f":"SUM(Lineair!P40:R49)*12","v":1740},null,null,{"$f":"SUM(Balans!P40:R49)*12","v":1740},null,null,null,null,7.4469848898560054,0,89.363818678272054,null,null,20,3.2500000000000001E-2,5.2499999999999998E-2,4.2499999999999996E-2,2.2499999999999999E-2,2.2499999999999999E-2,2.2499999999999999E-2,null,null,1,0,0,null,null,0,222.574890854974,0]
[{"$error":"#REF!"},{"$f":"IF(D20>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D20=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!"}},{"$f":"E19","v":0.40150000000000002},{"$f":"F19-0.5%","v":0.5},null,"Afgelost na 10 jaar",null,null,{"$f":"AlgemeenOUD!C27-Annuiteit!K$49","v":0},null,null,{"$f":"AlgemeenOUD!C27-Lineair!K$49","v":0},null,null,{"$f":"AlgemeenOUD!C27-Balans!K$49","v":0},null,null,null,null,7.2673858795492263,0,87.208630554590684,null,null,25,6.25E-2,3.2500000000000001E-2,4.2499999999999996E-2,4.4999999999999998E-2,2.2499999999999999E-2,2.2499999999999999E-2,null,null,2,0,0,null,null,0,217.20704994916741,0]
[{"$error":"#REF!"},{"$f":"IF(D21>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D21=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!"}},{"$f":"E20","v":0.40150000000000002},{"$f":"F20-0.5%","v":0.495},null,"Netto betaalde rente",null,null,{"$f":"K19-K20","v":1740},null,null,{"$f":"N19-N20","v":1740},null,null,{"$f":"Q19-Q20","v":1740},null,null,null,null,7.0837039573720197,0,85.00444748846428,null,null,30,2.2499999999999999E-2,3.2500000000000001E-2,4.2499999999999996E-2,4.4999999999999998E-2,4.4999999999999998E-2,2.2499999999999999E-2,null,null,3,0,0,null,null,0,211.71717929879014,0]
[{"$error":"#REF!"},{"$f":"IF(D22>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D22=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,6.7037179920051591,0,80.444615904061919,null,null,null,null,null,null,null,null,null,null,null,5,0,0,null,null,0,200.36018905121273,0]
[{"$error":"#REF!"},{"$f":"IF(D23>=67,SUM('Financiële Gegevens'!G$29:G32),0)","v":{"$error":"#REF!"}},{"$f":"IF(D23=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 20 jaar",null,null,{"$f":"SUM(Annuiteit!P40:R59)*12","v":3480},null,null,{"$f":"SUM(Lineair!P40:R59)*12","v":3480},null,null,{"$f":"SUM(Balans!P40:R59)*12","v":3480},null,null,null,null,6.5072219329059644,0,78.086663194871562,null,null,null,null,null,null,null,null,null,null,null,6,0,0,null,null,0,194.48733049781214,0]
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[{"$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,{"$f":"SUM(Annuiteit!P40:R69)*12","v":5220},null,null,{"$f":"SUM(Lineair!P40:R69)*12","v":5220},null,null,{"$f":"SUM(Balans!P40:R69)*12","v":5220},null,null,null,null,5.4556700529678217,0,65.468040635613818,null,null,null,null,null,null,null,null,null,null,null,11,0,0,null,null,0,163.05863172008435,0]
[{"$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,{"$f":"N28","v":0},null,null,null,null,5.2308015115454083,0,62.769618138544899,null,null,null,null,null,null,null,null,null,null,null,12,0,0,null,null,0,156.33777867632602,0]
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[null,null,null,null,null,null,null,"t.o.v.",null,null,"t.o.v.",null,null,"t.o.v. ",null,null,"t.o.v."]
[null,null,null,null,null,null,null,"Goedkopere vorm",null,null,"Balans",null,null,"Lineair",null,null,"Lineair"]
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[null,null,null,null,null,null,null,"Meer betaald na 20 jaar",null,null,{"$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,{"$f":"Q29-N29","v":0}]
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[null,{"$f":"Annuiteit!B3","v":""},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(P5)","v":20},{"$f":"MONTH(P5)","v":3},{"$f":"YEAR(P5)","v":2020}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Einde rvp","2020-02-01",null,"(invullen met streepjes)"]
[null,null,null,null,null,null,null,null,null,null,null,"Nieuwe rvp",240,null,"(in maanden)"]
[null,null,null,null,null,"Huidige rente huidige bank","Rentemiddeling huidige bank","Nieuwe rente huidige bank","Nieuwe rente nieuwe bank","Nieuwe rente nieuwe bank"]
[null,"Rente",null,null,null,4.9000000000000002E-2,3.5000000000000003E-2,0.03,0.03,2.5000000000000001E-2,null,"Hypotheek met aflossing",null,null,null,false]
[null,null,null,null,null,"Argenta",null,"Florius"]
[1,"Uw (gemiddelde) hypotheeksom",null,null,null,{"$f":"IF(L19>0,L19,150000)","v":150000},{"$f":"IF(L$26>0,L$26,F$12)","v":150000},{"$f":"IF(M$26>0,M$26,F$12)","v":150000},{"$f":"IF(N$26>0,N$26,H$12)","v":150000},{"$f":"IF(O$26>0,O$26,I$12)","v":150000},null,null,null,null,null,"passeren d.d.","jaar einde rvp","jaar nu","verschil (jaar)","maand","restant maanden"]
[12,"Einde rentevaste periode",null,null,null,{"$f":"M7","v":"2020-02-01"},null,null,null,null,null,"Hypotheeksom bij aanvang:",null,null,null,{"$f":"NOW()+90","v":"2017-12-06T22:40:36.810"},{"$f":"YEAR(M7)","v":2020},{"$f":"YEAR(P13)","v":2017},{"$f":"Q13-R13","v":3},{"$f":"MONTH(F13)-MONTH(P13)","v":-10},{"$f":"IF(F13=0,0,(S13*12)+T13)","v":26}]
[24,"Rente vast periode (resterend en nieuw) in mnd",null,null,null,{"$f":"U13","v":26},{"$f":"M8","v":240},{"$f":"G14","v":240},22,{"$f":"H14","v":240}]
[36,"Huidige bruto rentelast per maand",null,null,null,{"$f":"(F12*F10)/12","v":612.5},{"$f":"G12*G10/12","v":437.50000000000006},{"$f":"H12*H10/12","v":375},{"$f":"I12*I10/12","v":375},{"$f":"J12*J10/12","v":312.5},null,"Hypotheeksom aan eind rvp:"]
[48]
[null,"Fictieve rente na afloop rentevaste periode ",null,null,null,3.2500000000000001E-2]
[null,"Restant aantal maanden t.a.v. nieuwe rente vast periode",null,null,null,{"$f":"G14-F14","v":214},null,null,null,null,null,"Gemiddeld in te vullen:"]
[null,"Nieuwe rente per maand",null,null,null,{"$f":"F12*F17/12","v":406.25},null,null,null,null,null,{"$f":"L14+L16/2","v":0}]
[]
[null,"Huidige rentelast",null,null,null,null,{"$f":"F15","v":612.5},{"$f":"F15","v":612.5},null,{"$f":"F15","v":612.5}]
[60,"Rentevoordeel per maand",null,null,null,null,{"$f":"G21-G15","v":174.99999999999994},{"$f":"H21-H15","v":237.5},{"$f":"I16-I15","v":-375},{"$f":"J21-J15","v":300}]
[]
[null,{"$f":"\"Totaal betaald over \"&M8&\" maanden\"","v":"Totaal betaald over 240 maanden"},null,null,null,{"$f":"(F15*F14)+F18*F19","v":102862.5},{"$f":"G15*G14","v":105000.00000000001},{"$f":"H15*H14","v":90000},{"$f":"I15*I14","v":8250},{"$f":"J15*J14","v":75000}]
[]
[72,"Besparing: huidige rente t.o.v. nieuwe rente met nieuwe rvp",null,null,null,null,{"$f":"F24-G24","v":-2137.5000000000146},{"$f":"F24-H24","v":12862.5},{"$f":"I22*I14","v":-8250},{"$f":"F24-J24","v":27862.5}]
[84]
[96,"Kosten van oversluiten"]
[108,"Kosten vervroegde aflossing (boeterente)",null,null,null,null,null,1000,{"$f":"H29","v":1000},{"$f":"H29","v":1000}]
[120,"Hypotheekakte notaris",null,null,null,null,null,650,{"$f":"H30","v":650},{"$f":"I30","v":650}]
[168,"Advies en bemiddeling",null,null,null,null,{"$f":"Algemeen!D44","v":0},{"$f":"Algemeen!E44","v":0},{"$f":"H31","v":0},{"$f":"H31","v":0}]
[180,"(NHG 1%)",null,null,null,null,0,0,{"$f":"H32","v":0},0]
[204,"Taxatie",null,null,null,null,0,0,0,0]
[null,"Administratiekosten",null,null,null,null,250,null,0,0]
[null,"Zelf in te vullen 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,{"$f":"SUM(G29:G38)","v":250},{"$f":"SUM(H29:H38)","v":1650},{"$f":"SUM(I29:I38)","v":1650},{"$f":"SUM(J29:J38)","v":1650}]
[240]
[300,"Winst bij oversluiten/wijzigen",null,null,null,null,{"$f":"G26-G39","v":-2387.5000000000146},{"$f":"H26-H39","v":11212.5},{"$f":"I26-I39","v":-9900},{"$f":"J26-J39","v":26212.5}]
[360]
[19,"Oversluiting/wijziging verantwoord",null,null,null,null,{"$f":"IF(G39>G26,\"Nee\",\"Ja\")","v":"Nee"},{"$f":"IF(H39>H26,\"Nee\",\"Ja\")","v":"Ja"},{"$f":"IF(I39>I26,\"Nee\",\"Ja\")","v":"Nee"},{"$f":"IF(J39>J26,\"Nee\",\"Ja\")","v":"Ja"},null,null,null,null,null,null,6]
[20,"Terugverdientijd in maanden",null,null,null,null,{"$f":"IF(G43=\"Nee\",\"N.V.T.\",IF(G15<F15,G39/G22))","v":"N.V.T."},{"$f":"IF(H43=\"Nee\",\"N.V.T.\",IF(H15<F15,H39/H22))","v":6.9473684210526319},"N.V.T.",{"$f":"IF(J43=\"Nee\",\"N.V.T.\",IF(J15<F15,J39/J22))","v":5.5},null,null,null,null,null,null,7]
[21,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,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,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,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]
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{"sheet":"Aflosstand annuiteit","index":75,"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",150000,"*"]
[null,"Rente",0.03,"*"]
[null,"Looptijd TOTAAL in maanden",360,"*"]
[]
[null,"Eerste RVP in maanden",24,"*"]
[null,"Rentepercentage",0.03,"*"]
[]
[null,"Ingangsdatum","2013-02-01","*"]
[null,"Aflosdatum","2016-07-01","*"]
[null,"Restschuld",{"$f":"VLOOKUP(C13,B37:F396,5)","v":138615.95160097873}]
[null,"Aantal maanden betaald",{"$f":"VLOOKUP(C13,B37:G396,6)","v":42}]
[null,"Aantal jaren betaald",{"$f":"C15/12","v":3.5}]
[null,"Aantal maanden nog te gaan",{"$f":"C7-C15","v":318}]
[null,"Aantal jaren nog te gaan",{"$f":"C17/12","v":26.5}]
[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."]
[]
[]
[]
[]
[null,null,null,"Maanden rente","Rentepercentage"]
[null,"       Meer rente termijnen",null,{"$f":"C9","v":24},{"$f":"C10","v":0.03},null,null,null,0,{"$f":"D27","v":24},{"$f":"E27/12","v":2.5000000000000001E-3}]
[null,null,null,{"$f":"IF(I31=TRUE,D26,\" \")","v":" "},{"$f":"IF(I31=TRUE,E26,\" \")","v":" "},null,null,null,{"$f":"J27","v":24},{"$f":"D29+J27","v":24},{"$f":"IF(D29=0,E27/12,E29/12)","v":2.5000000000000001E-3}]
[null,{"$f":"IF(I31=TRUE,\"Vul hier de 2e rente termijn in maanden in\",\"\")","v":""},null,null,null,null,null,null,{"$f":"J28","v":24},{"$f":"I29+D30","v":24},{"$f":"IF(D30=0,K28,E30/12)","v":2.5000000000000001E-3}]
[null,{"$f":"IF(D29>0,\"Vul hier de 3e rente termijn in maanden in\",\" \")","v":" "},null,null,null,null,null,null,{"$f":"J29","v":24},{"$f":"I30+D31","v":24},{"$f":"IF(D31=0,K29,E31/12)","v":2.5000000000000001E-3}]
[null,{"$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":24}]
[]
[]
[null,"Maand","Maandelijkse bedrag","Rente","Aflossing","Restschuld","Maanden betaald"]
[]
[null,{"$f":"IF(MONTH(C12)=12,DATE(YEAR(C12)+1,1,1),DATE(YEAR(C12),MONTH(C12),1))","v":"2013-02-01"},{"$f":"PMT(H37,C$7,-C$5)","v":632.40605059417567},{"$f":"$C$6/12*C5","v":375},{"$f":"C37-D37","v":257.40605059417567},{"$f":"MAX(0,C5-E37)","v":149742.59394940583},{"$f":"1","v":1},{"$f":"VLOOKUP(G37,I$27:K$30,3,TRUE)","v":2.5000000000000001E-3}]
[null,{"$f":"IF(MONTH(B37)=12,DATE(YEAR(B37)+1,1,1),DATE(YEAR(B37),MONTH(B37)+1,1))","v":"2013-03-01"},{"$f":"PMT(H38,C$7,-C$5)","v":632.40605059417567},{"$f":"F37*$C$6/12","v":374.35648487351455},{"$f":"C38-D38","v":258.04956572066112},{"$f":"F37-E38","v":149484.54438368516},{"$f":"G37+1","v":2},{"$f":"VLOOKUP(G38,I$27:K$30,3,TRUE)","v":2.5000000000000001E-3}]
[null,{"$f":"IF(MONTH(B38)=12,DATE(YEAR(B38)+1,1,1),DATE(YEAR(B38),MONTH(B38)+1,1))","v":"2013-04-01"},632.40605059417567,373.71136095921293,{"$f":"C39-D39","v":258.69468963496274},{"$f":"F38-E39","v":149225.84969405021},{"$f":"G38+1","v":3},2.5000000000000001E-3]
[null,"2013-05-01",632.40605059417567,373.06462423512545,{"$f":"C40-D40","v":259.34142635905022},{"$f":"F39-E40","v":148966.50826769116},4,2.5000000000000001E-3]
[null,"2013-06-01",632.40605059417567,372.41627066922791,{"$f":"C41-D41","v":259.98977992494775},148706.51848776621,5,2.5000000000000001E-3]
[null,"2013-07-01",632.40605059417567,371.76629621941555,260.63975437476012,148445.87873339144,6,2.5000000000000001E-3]
[null,"2013-08-01",632.40605059417567,371.11469683347855,261.29135376069712,148184.58737963074,7,2.5000000000000001E-3]
[null,"2013-09-01",632.40605059417567,370.46146844907685,261.94458214509882,147922.64279748563,8,2.5000000000000001E-3]
[null,"2013-10-01",632.40605059417567,369.80660699371407,262.5994436004616,147660.04335388518,9,2.5000000000000001E-3]
[null,"2013-11-01",632.40605059417567,369.15010838471295,263.25594220946272,147396.78741167573,10,2.5000000000000001E-3]
[null,"2013-12-01",632.40605059417567,368.49196852918931,263.91408206498636,147132.87332961074,11,2.5000000000000001E-3]
[null,"2014-01-01",632.40605059417567,367.8321833240268,264.57386727014887,146868.2994623406,12,2.5000000000000001E-3]
[null,"2014-02-01",632.40605059417567,367.17074865585147,265.2353019383242,146603.06416040228,13,2.5000000000000001E-3]
[null,"2014-03-01",632.40605059417567,366.50766040100569,265.89839019316997,146337.1657702091,14,2.5000000000000001E-3]
[null,"2014-04-01",632.40605059417567,365.84291442552279,266.56313616865287,146070.60263404046,15,2.5000000000000001E-3]
[null,"2014-05-01",632.40605059417567,365.17650658510115,267.22954400907452,145803.37309003138,16,2.5000000000000001E-3]
[null,"2014-06-01",632.40605059417567,364.50843272507842,267.89761786909725,145535.47547216227,17,2.5000000000000001E-3]
[null,"2014-07-01",632.40605059417567,363.83868868040571,268.56736191376996,145266.90811024851,18,2.5000000000000001E-3]
[null,"2014-08-01",632.40605059417567,363.16727027562121,269.23878031855446,144997.66932992995,19,2.5000000000000001E-3]
[null,"2014-09-01",632.40605059417567,362.49417332482489,269.91187726935078,144727.75745266059,20,2.5000000000000001E-3]
[null,"2014-10-01",632.40605059417567,361.81939363165151,270.58665696252416,144457.17079569807,21,2.5000000000000001E-3]
[null,"2014-11-01",632.40605059417567,361.14292698924515,271.26312360493051,144185.90767209313,22,2.5000000000000001E-3]
[null,"2014-12-01",632.40605059417567,360.46476918023285,271.94128141394282,143913.96639067918,23,2.5000000000000001E-3]
[null,"2015-01-01",632.40605059417567,359.78491597669796,272.62113461747771,143641.3452560617,24,2.5000000000000001E-3]
[null,"2015-02-01",632.40605059417567,359.10336314015422,273.30268745402145,143368.04256860769,25,2.5000000000000001E-3]
[null,"2015-03-01",632.40605059417567,358.42010642151922,273.98594417265645,143094.05662443503,26,2.5000000000000001E-3]
[null,"2015-04-01",632.40605059417567,357.73514156108757,274.67090903308809,142819.38571540194,27,2.5000000000000001E-3]
[null,"2015-05-01",632.40605059417567,357.04846428850482,275.35758630567085,142544.02812909626,28,2.5000000000000001E-3]
[null,"2015-06-01",632.40605059417567,356.36007032274068,276.04598027143498,142267.98214882481,29,2.5000000000000001E-3]
[null,"2015-07-01",632.40605059417567,355.66995537206202,276.73609522211365,141991.24605360269,30,2.5000000000000001E-3]
[null,"2015-08-01",632.40605059417567,354.97811513400671,277.42793546016895,141713.81811814252,31,2.5000000000000001E-3]
[null,"2015-09-01",632.40605059417567,354.28454529535628,278.12150529881939,141435.69661284369,32,2.5000000000000001E-3]
[null,"2015-10-01",632.40605059417567,353.58924153210927,278.8168090620664,141156.87980378163,33,2.5000000000000001E-3]
[null,"2015-11-01",632.40605059417567,352.89219950945403,279.51385108472164,140877.36595269691,34,2.5000000000000001E-3]
[null,"2015-12-01",632.40605059417567,352.19341488174229,280.21263571243338,140597.15331698448,35,2.5000000000000001E-3]
[null,"2016-01-01",632.40605059417567,351.49288329246116,280.91316730171451,140316.24014968277,36,2.5000000000000001E-3]
[null,"2016-02-01",632.40605059417567,350.79060037420692,281.61545021996875,140034.62469946279,37,2.5000000000000001E-3]
[null,"2016-03-01",632.40605059417567,350.08656174865695,282.31948884551872,139752.30521061725,38,2.5000000000000001E-3]
[null,"2016-04-01",632.40605059417567,349.38076302654309,283.02528756763257,139469.27992304962,39,2.5000000000000001E-3]
[null,"2016-05-01",632.40605059417567,348.67319980762403,283.73285078655164,139185.54707226306,40,2.5000000000000001E-3]
[null,"2016-06-01",632.40605059417567,347.96386768065764,284.44218291351802,138901.10488934955,41,2.5000000000000001E-3]
[null,"2016-07-01",632.40605059417567,347.25276222337385,285.15328837080182,138615.95160097873,42,2.5000000000000001E-3]
[null,"2016-08-01",632.40605059417567,346.53987900244687,285.8661715917288,138330.08542938699,43,2.5000000000000001E-3]
[null,"2016-09-01",632.40605059417567,345.82521357346747,286.5808370207082,138043.50459236628,44,2.5000000000000001E-3]
[null,"2016-10-01",632.40605059417567,345.10876148091569,287.29728911325998,137756.20730325303,45,2.5000000000000001E-3]
[null,"2016-11-01",632.40605059417567,344.39051825813254,288.01553233604312,137468.19177091698,46,2.5000000000000001E-3]
[null,"2016-12-01",632.40605059417567,343.67047942729249,288.73557116688318,137179.4561997501,47,2.5000000000000001E-3]
[null,"2017-01-01",632.40605059417567,342.94864049937524,289.45741009480042,136889.99878965531,48,2.5000000000000001E-3]
[null,"2017-02-01",632.40605059417567,342.22499697413826,290.1810536200374,136599.81773603527,49,2.5000000000000001E-3]
[null,"2017-03-01",632.40605059417567,341.49954434008822,290.90650625408745,136308.9112297812,50,2.5000000000000001E-3]
[null,"2017-04-01",632.40605059417567,340.77227807445297,291.6337725197227,136017.27745726146,51,2.5000000000000001E-3]
[null,"2017-05-01",632.40605059417567,340.04319364315364,292.36285695102202,135724.91460031044,52,2.5000000000000001E-3]
[null,"2017-06-01",632.40605059417567,339.31228650077611,293.09376409339956,135431.82083621703,53,2.5000000000000001E-3]
[null,"2017-07-01",632.40605059417567,338.57955209054256,293.8264985036331,135137.9943377134,54,2.5000000000000001E-3]
[null,"2017-08-01",632.40605059417567,337.84498584428349,294.56106474989218,134843.43327296351,55,2.5000000000000001E-3]
[null,"2017-09-01",632.40605059417567,337.10858318240872,295.29746741176695,134548.13580555175,56,2.5000000000000001E-3]
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[null,"2039-07-01",632.40605059417567,64.380827597340087,568.02522299683562,25184.305815939202,318,2.5000000000000001E-3]
[null,"2039-08-01",632.40605059417567,62.960764539848007,569.44528605432765,24614.860529884874,319,2.5000000000000001E-3]
[null,"2039-09-01",632.40605059417567,61.537151324712177,570.86889926946344,24043.991630615412,320,2.5000000000000001E-3]
[null,"2039-10-01",632.40605059417567,60.109979076538529,572.29607151763719,23471.695559097774,321,2.5000000000000001E-3]
[null,"2039-11-01",{"$f":"PMT(H358,C$7,-C$5)","v":632.40605059417567},{"$f":"F357*$C$6/12","v":58.679238897744433},573.72681169643124,22897.968747401344,322,{"$f":"VLOOKUP(G358,I$27:K$30,3,TRUE)","v":2.5000000000000001E-3}]
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[null,"2040-01-01",632.40605059417567,55.807019046689184,576.59903154748645,{"$f":"F359-E360","v":21746.208587128189},324,2.5000000000000001E-3]
[null,"2040-02-01",632.40605059417567,54.365521467820464,{"$f":"C361-D361","v":578.04052912635518},21168.168058001833,325,2.5000000000000001E-3]
[null,"2040-03-01",632.40605059417567,52.920420145004584,579.48563044917114,20588.682427552663,326,2.5000000000000001E-3]
[null,"2040-04-01",632.40605059417567,51.471706068881652,580.93434452529402,20007.748083027371,327,2.5000000000000001E-3]
[null,"2040-05-01",632.40605059417567,50.019370207568421,582.38668038660728,19425.361402640763,328,2.5000000000000001E-3]
[null,"2040-06-01",632.40605059417567,48.563403506601908,583.84264708757371,18841.518755553188,329,2.5000000000000001E-3]
[null,"2040-07-01",632.40605059417567,47.103796888882975,585.30225370529274,18256.216501847895,330,2.5000000000000001E-3]
[null,"2040-08-01",632.40605059417567,45.640541254619734,586.76550933955593,17669.45099250834,331,2.5000000000000001E-3]
[null,"2040-09-01",632.40605059417567,44.173627481270849,588.23242311290483,17081.218569395434,332,2.5000000000000001E-3]
[null,"2040-10-01",632.40605059417567,42.703046423488587,589.70300417068711,16491.515565224749,333,2.5000000000000001E-3]
[null,"2040-11-01",632.40605059417567,41.228788913061869,591.17726168111381,15900.338303543635,334,2.5000000000000001E-3]
[null,"2040-12-01",632.40605059417567,39.750845758859086,592.65520483531657,15307.683098708318,335,2.5000000000000001E-3]
[null,"2041-01-01",632.40605059417567,38.269207746770796,594.13684284740486,14713.546255860912,336,2.5000000000000001E-3]
[null,"2041-02-01",632.40605059417567,36.783865639652284,595.62218495452339,14117.924070906389,337,2.5000000000000001E-3]
[null,"2041-03-01",632.40605059417567,35.294810177265973,597.11124041690971,13520.81283048948,338,2.5000000000000001E-3]
[null,"2041-04-01",632.40605059417567,33.802032076223696,598.604018517952,12922.208811971528,339,2.5000000000000001E-3]
[null,"2041-05-01",632.40605059417567,32.305522029928817,600.10052856424682,12322.10828340728,340,2.5000000000000001E-3]
[null,"2041-06-01",632.40605059417567,30.805270708518197,601.60077988565752,11720.507503521623,341,2.5000000000000001E-3]
[null,"2041-07-01",632.40605059417567,29.301268758804056,603.10478183537157,11117.402721686252,342,2.5000000000000001E-3]
[null,"2041-08-01",632.40605059417567,27.793506804215628,604.61254378996,10512.790177896291,343,2.5000000000000001E-3]
[null,"2041-09-01",632.40605059417567,26.281975444740727,606.12407514943493,9906.6661027468563,344,2.5000000000000001E-3]
[null,"2041-10-01",632.40605059417567,24.766665256867139,607.63938533730857,9299.0267174095479,345,2.5000000000000001E-3]
[null,"2041-11-01",632.40605059417567,23.24756679352387,609.15848380065177,8689.8682336088968,346,2.5000000000000001E-3]
[null,"2041-12-01",632.40605059417567,21.724670584022238,610.68138001015348,8079.1868535987433,347,2.5000000000000001E-3]
[null,"2042-01-01",632.40605059417567,20.197967133996858,612.20808346017884,7466.9787701385649,348,2.5000000000000001E-3]
[null,"2042-02-01",632.40605059417567,18.667446925346411,613.73860366882923,6853.2401664697354,349,2.5000000000000001E-3]
[null,"2042-03-01",632.40605059417567,17.13310041617434,615.27295017800134,6237.9672162917341,350,2.5000000000000001E-3]
[null,"2042-04-01",632.40605059417567,15.594918040729334,616.81113255344633,5621.1560837382876,351,2.5000000000000001E-3]
[null,"2042-05-01",632.40605059417567,14.052890209345719,618.35316038482995,5002.802923353458,352,2.5000000000000001E-3]
[null,"2042-06-01",632.40605059417567,12.507007308383644,619.899043285792,4382.9038800676663,353,2.5000000000000001E-3]
[null,"2042-07-01",632.40605059417567,10.957259700169166,621.44879089400649,3761.4550891736599,354,2.5000000000000001E-3]
[null,"2042-08-01",632.40605059417567,9.4036377229341497,623.00241287124152,3138.4526763024182,355,2.5000000000000001E-3]
[null,"2042-09-01",632.40605059417567,7.8461316907560459,624.55991890341966,2513.8927573989986,356,2.5000000000000001E-3]
[null,"2042-10-01",632.40605059417567,6.2847318934974963,626.12131870067822,1887.7714386983203,357,2.5000000000000001E-3]
[null,"2042-11-01",632.40605059417567,4.719428596745801,627.68662199742982,1260.0848167008903,358,2.5000000000000001E-3]
[null,"2042-12-01",632.40605059417567,3.1502120417522259,629.25583855242348,630.82897814846683,359,2.5000000000000001E-3]
[null,"2043-01-01",632.40605059417567,1.5770724453711671,630.82897814880448,-3.3764990803319961E-10,360,2.5000000000000001E-3]

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[null,null,"Hoofdsom",100000,null,{"$f":"D3*D5","v":4000},null,{"$f":"IF(D4>0,D4/D3,0)","v":0}]
[null,null,"Waarvan box 3",null,null,{"$f":"D4*D5","v":0}]
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[null,null,"Leningdeel 2",105000,null,{"$f":"D7*D9","v":4200}]
[null,null,"Waarvan box 3",null,null,{"$f":"D8*D9","v":0}]
[null,null,"Rente% ",0.04]
[]
[null,null,"Leningdeel 3",null,null,{"$f":"D11*D13","v":0}]
[null,null,"Waarvan box 3",null,null,{"$f":"D12*D13","v":0}]
[null,null,"Rente% "]
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[null,null,"Leningdeel 4",null,null,{"$f":"D15*D17","v":0}]
[null,null,"Waarvan box 3",null,null,{"$f":"D16*D17","v":0}]
[null,null,"Rente% "]
[null,null,"Premie/aflossing",null,null,"Teruggave",{"$f":"F3-F4","v":4000}]
[null,null,null,null,null,"Aftrekbaar min ewf",{"$f":"MAX(0,G18-D22)","v":4000}]
[]
[null,null,"WOZ",{"$f":"IF(AlgemeenOUD!F50<1,\"Vul WOZ in!\",AlgemeenOUD!F50)","v":"Vul WOZ in!"},null,{"$f":"IF(AlgemeenOUD!F50>0,\"\",\"<= Klik op de de cel\")","v":"<= Klik op de de cel"}]
[null,null,"Eigen woning forfait",{"$f":"'Financiële Gegevens'!F61","v":0}]
[null,null,"IB tarief",0.40400000000000003]
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[]
[null,null,"KEUZE 1",null,null,"KEUZE 2"]
[null,null,"Nieuwe rentevastperiode",10,null,"Nieuwe rentevastperiode",10]
[null,null,"Nieuwe rente ",2.5000000000000001E-2,null,"Nieuwe rente ",0.03]
[null,null,"Nieuwe premie/aflossing",null,null,"Nieuwe premie/aflossing"]
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[null,null,"Rentemiddeling relatie"]
[null,null,{"$f":"Annuiteit!B3","v":""}]
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[null,null,"WOZ Waarde",{"$f":"D21","v":"Vul WOZ in!"},null,"Administratiekosten bank",null,225]
[null,null,"Teruggave op basis van IB %",{"$f":"IF(D23=52%,'Financiële Gegevens'!M39,AlgemeenOUD!C16)","v":0.36549999999999999},null,"Advies en bemiddeling",null,516]
[null,null,"Box 3 deel",{"$f":"IF(H3>0,H3,\"Geen box 3 deel\")","v":"Geen box 3 deel"},null,"Teruggave belasting",null,{"$f":"H35*D35","v":188.59799999999998}]
[null,null,"Hypotheeksom",{"$f":"D3","v":100000},null,"Onderhoud (niet in maandlast)",null,{"$f":"Annuiteit!O6","v":14.5}]
[]
[null,null,null,null,null,null,{"$f":"D27","v":10},20]
[null,null,null,null,null,null,{"$f":"D28","v":2.5000000000000001E-2},{"$f":"Rentemiddeling!G28","v":0.03}]
[]
[]
[null,null,"Aftrekbare rente",{"$f":"(F3-F4)/12","v":333.33333333333331},null,"Aftrekbare rente",{"$f":"(D$3*G40)/12","v":208.33333333333334},{"$f":"(D3*H40)/12","v":250}]
[null,null,"Niet aftrekbare rente",{"$f":"F4","v":0},null,"Niet aftrekbare rente",{"$f":"(G43*H3)/12","v":0},{"$f":"(H43*H3)/12","v":0}]
[null,null,{"$f":"C18","v":"Premie/aflossing"},{"$f":"Rentemiddeling!D18","v":0},null,{"$f":"C18","v":"Premie/aflossing"},{"$f":"D29","v":0},{"$f":"G29","v":0}]
[null,null,"Huidig TOTAAL pm",{"$f":"SUM(D43:D45)","v":333.33333333333331},null,"Nieuw TOTAAL pm",{"$f":"SUM(G43:G45)","v":208.33333333333334},{"$f":"SUM(H43:H45)","v":250},null,{"$f":"G43*12","v":2500},{"$f":"H43*12","v":3000}]
[]
[null,null,null,null,null,"Verschil pm",{"$f":"D46-G46","v":124.99999999999997},{"$f":"D46-H46","v":83.333333333333314},null,{"$f":"J46-D22","v":2500},{"$f":"K46-D22","v":3000}]
[null,null,null,null,null,"Verschil totale rvp",{"$f":"G48*(G39*12)","v":14999.999999999996},{"$f":"H48*(H39*12)","v":19999.999999999996},null,{"$f":"MAX(0,(J48*D35)/12)","v":76.145833333333329},{"$f":"MAX(0,K48*D35)/12","v":91.375}]
[]
[null,null,"Teruggave",{"$f":"(G19*D35)/12","v":121.83333333333333},null,{"$f":"C51","v":"Teruggave"},{"$f":"J49","v":76.145833333333329},{"$f":"K49","v":91.375}]
[]
[null,null,"Huidig TOTAAL netto",{"$f":"D46-D51","v":211.5},null,null,{"$f":"G46-G51","v":132.1875},{"$f":"H46-H51","v":158.625}]
[]
[null,null,null,null,null,"Verschil pm",{"$f":"D53-G53","v":79.3125},{"$f":"D53-H53","v":52.875}]
[null,null,null,null,null,"Verschil totale rvp",{"$f":"G55*(G39*12)","v":9517.5},{"$f":"H55*(H39*12)","v":12690}]

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[null,null,null,"Vermogens Rendement heffing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"S","B","S","B","B"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,67,33,21,79,100]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0,100000,{"$f":"IF(H6>O5,O5-O14,H6-O14)","v":40000},{"$f":"P5*Q4%","v":26800},{"$f":"P5*R4%","v":13200}]
[null,null,null,null,"Vermogen",null,null,65000,"*",null,null,null,null,101000,1000000,{"$f":"IF(H6>N8,H6-O6-O14,IF(AND(H6>O13,H6<O6),H6-O13,IF(H6<O13,0)))","v":0},null,null,{"$f":"P6*S4%","v":0},{"$f":"P6*T4%","v":0}]
[null,null,null,null,"Vrijstelling",null,null,25000,"    *"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,1000001,1000000000,{"$f":"IF(H6>N8,H6-P5-O6,0)","v":0},null,null,null,null,{"$f":"P8*U4%","v":0}]
[null,null,null,null,"Belast onder spaarrendement",null,null,{"$f":"P17","v":26800}]
[null,null,null,null,"Vastgesteld spaarrendement",null,null,{"$f":"P22%","v":1.6299999999999999E-2}]
[null,null,null,null,"Eerste schijf",null,null,{"$f":"Q5*P22%","v":436.84}]
[null,null,null,null,"Tweede schijf",null,null,{"$f":"S6*P22%","v":0}]
[null,null,null,null,"TOTAAL",null,null,{"$f":"SUM(H11:H12)","v":436.84},null,null,null,null,null,"1e",100000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Vrijstelling",{"$f":"H7","v":25000}]
[null,null,null,null,"Belast onder beleggingsrendement",null,null,{"$f":"P18","v":13200}]
[null,null,null,null,"Vastgesteld beleggingsrendement",null,null,{"$f":"P23%","v":5.3899999999999997E-2}]
[null,null,null,null,"Eerste schijf",null,null,{"$f":"R5*P23%","v":711.4799999999999},null,null,null,null,null,"TOTAAL","Spaar",{"$f":"Q5+S6","v":26800}]
[null,null,null,null,"Tweede schijf",null,null,{"$f":"T6*P23%","v":0},null,null,null,null,null,null,"Beleg",{"$f":"R5+T6+U8","v":13200}]
[null,null,null,null,"Derde schijf",null,null,{"$f":"U8*P23%","v":0}]
[null,null,null,null,"TOTAAL",null,null,{"$f":"SUM(H17:H19)","v":711.4799999999999}]
[]
[null,null,null,null,"Totaal te betalen belasting",null,null,{"$f":"P28*30%","v":344.49599999999998},null,null,null,null,null,null,"Spaar",1.63]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Beleg",5.39]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,"Te betalen","Spaar",{"$f":"P17*P22%","v":436.84}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Beleg",{"$f":"P18*P23%","v":711.4799999999999}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAAL",{"$f":"SUM(P25:P27)","v":1148.32}]

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[null,null,null,"OPTIMAAL"]
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[]
[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}]
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[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}]

{"sheet":"WW uitvoer","index":79,"n_rows":42,"n_cols":5,"rows_kept":42,"cut":false,"hidden":true,"merged":[[8,8,8,11],[9,8,9,11],[8,1,8,2],[8,4,8,5],[35,2,35,3],[35,4,35,5],[29,2,29,3],[26,4,26,5],[24,0,24,5],[21,2,21,3],[21,4,21,5],[22,2,22,3],[22,4,22,5],[32,4,32,5],[27,4,27,5],[29,4,29,5],[30,2,30,3],[30,4,30,5],[36,2,36,3],[40,2,40,3],[40,4,40,5],[39,2,39,3],[39,4,39,5],[38,2,38,3],[38,4,38,5],[36,4,36,5],[37,2,37,3],[37,4,37,5],[23,2,23,3],[23,4,23,5],[17,2,17,3],[17,4,17,5],[11,4,11,5],[18,2,18,3],[18,4,18,5],[11,1,11,2],[16,0,16,5],[41,2,41,3],[41,4,41,5],[0,0,0,5],[3,0,3,2],[19,2,19,3],[19,4,19,5],[5,4,5,5],[3,3,3,5],[15,0,15,5],[4,4,4,5],[6,1,6,2],[20,2,20,3],[20,4,20,5],[6,4,6,5],[4,1,4,2],[5,1,5,2],[9,1,9,2],[10,1,10,2],[12,0,12,5],[9,4,9,5],[10,4,10,5]]}
[{"$f":"Gegevens!I6","v":""}]
[]
[]
[{"$f":"IF(AlgemeenOUD!C18=7,'AO uitvoer'!A3&\" is zelfstandige.\",'AO uitvoer'!A3)","v":0},null,null,{"$f":"IF(AlgemeenOUD!F18=7,'AO uitvoer'!A18&\" is zelfstandige.\",'AO uitvoer'!A18)","v":0}]
[null,"Looptijd",null,null,"Looptijd"]
["Aantal maanden 75%",2,null,"Aantal maanden 75%",{"$f":"IF('AO en WW'!F18=3,0,2)","v":2}]
["Aantal maanden 70%","Max. 22 maanden",null,"Aantal maanden 70%","Max. 22 maanden"]
[]
["Huidig inkomen",{"$f":"AlgemeenOUD!C13","v":14783.400000000001},null,"Huidig inkomen",{"$f":"AlgemeenOUD!F13","v":0}]
["Inkomen 75%",{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,AlgemeenOUD!C13*75%)","v":11087.550000000001},null,"Inkomen 75%",{"$f":"IF(AlgemeenOUD!F13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,AlgemeenOUD!F13*75%)","v":0}]
["Inkomen 70%",{"$f":"IF(AlgemeenOUD!C13>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*70%,AlgemeenOUD!C13*70%)","v":10348.380000000001},null,"Inkomen 70%",{"$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":" "}]
[]
[]
[{"$f":"IF(OR(AlgemeenOUD!C13>'Financiële Gegevens'!B1,AlgemeenOUD!F13>'Financiële Gegevens'!B1),\"Uw inkomen is hoger dan het sociale jaarloon dus uw terugval is groter\",\" \")","v":" "}]
[null,null,{"$f":"A4","v":0},null,{"$f":"D4","v":0}]
["Huidig inkomen",null,{"$f":"'AO uitvoer'!C38:D38","v":0},null,{"$f":"'AO uitvoer'!E38:F38","v":0}]
["Inkomen bij werkloosheid",null,{"$f":"'AO uitvoer'!C8","v":0},null,{"$f":"'AO uitvoer'!C23","v":0}]
["Adviesdekking per maand BRUTO",null,{"$f":"IF(AlgemeenOUD!C9>58,\"U bent ouder\",(C19-C20)/12)","v":0},null,{"$f":"IF(AlgemeenOUD!F9>57,\"U bent ouder\",(E19-E20)/12)","v":0}]
[{"$f":"\"Adviesdekking per maand NETTO (\"&AlgemeenOUD!C16*100&\"%)\"","v":"Adviesdekking per maand NETTO (36,55%)"},null,{"$f":"IF(AlgemeenOUD!C9>57,\"dan 57 geen\",C21*(1-AlgemeenOUD!C16))","v":0},null,{"$f":"IF(AlgemeenOUD!F9>57,\"dan 57 geen\",E21*(1-AlgemeenOUD!C16))","v":0}]
["Premie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>57,\"dekking mogelijk\",'AO en WW'!C26)","v":0.30198616145679597},null,{"$f":"IF(AlgemeenOUD!F9>57,\"dekking mogelijk\",'AO en WW'!F26)","v":0.1118193149238933}]
[null,null,{"$f":"IF(AlgemeenOUD!C9>57,0,IF(C22>'AO en WW'!C34,\"(Dekking max. € \"&'AO en WW'!C34&\" pm)\",\" \"))","v":" "},null,{"$f":"IF(AlgemeenOUD!F9>57,0,IF(E22>'AO en WW'!C34,\"(Dekking max. € \"&'AO en WW'!C34&\" pm)\",\" \"))","v":" "}]
[{"$f":"IF('AO uitvoer'!H44>0.95,\"Uw hypotheek is (vrijwel) maximaal dus ik adviseer u de inkomensdekking\",\"Welk inkomen is volgens de GHF norm nodig om uw hypotheeklast te kunnen blijven betalen\")","v":"Uw hypotheek is (vrijwel) maximaal dus ik adviseer u de inkomensdekking"}]
[]
["Nieuwe hypotheeksom",null,null,null,{"$f":"'AO uitvoer'!E46:F46","v":0}]
["Verantwoorde hypotheeksom",null,null,null,{"$f":"'AO uitvoer'!E47:F47","v":0}]
[]
["Bij werkloosheid van",null,{"$f":"IF('AO uitvoer'!H44>0.95,0,C18)","v":0},null,{"$f":"IF('AO uitvoer'!H44>0.95,0,E36)","v":0}]
["Verantwoorde hypotheek bij WW inkomen",null,{"$f":"'AO uitvoer'!C51:D51","v":1},null,{"$f":"'AO uitvoer'!E51:F51","v":0}]
[]
["Indien u beiden werkloos bent (ter info):",null,null,null,{"$f":"'AO uitvoer'!E53:F53","v":0}]
[]
[]
[null,null,{"$f":"C30","v":0},null,{"$f":"IF('AO uitvoer'!H44>0.95,0,AlgemeenOUD!F6)","v":0}]
["Inkomen bij werkloosheid",null,{"$f":"C20","v":0},null,{"$f":"E20","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,{"$f":"IF(AlgemeenOUD!C9>57,\"U bent ouder\",IF('AO en WW'!C11>'AO en WW'!C10,(C38-C37)/12,\"X\"))","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>57,\"U bent ouder\",IF('AO en WW'!F11>'AO en WW'!F10,(E38-E37)/12,\"X\"))","v":"X"}]
[{"$f":"\"Adviesdekking per maand NETTO (\"&100*AlgemeenOUD!C16&\"%)\"","v":"Adviesdekking per maand NETTO (36,55%)"},null,{"$f":"IF(AlgemeenOUD!C9>57,\"dan 57 geen\",IF(C39=\"X\",\"X\",C39*(1-AlgemeenOUD!C16)))","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>57,\"dan 57 geen\",IF(E39=\"X\",\"X\",E39*(1-AlgemeenOUD!C16)))","v":"X"}]
["Premie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>57,\"dekking mogelijk\",IF('AO en WW'!C11>'AO en WW'!C10,'AO en WW'!C31,\"X\"))","v":"X"},null,{"$f":"IF(AlgemeenOUD!C7<3,\" \",IF(AlgemeenOUD!F9>57,\"dekking mogelijk\",IF('AO en WW'!F11>'AO en WW'!F10,'AO en WW'!F31,\"X\")))","v":" "}]
[null,null,{"$f":"IF(AlgemeenOUD!C9>57,0,IF(C40=\"X\",\" \",IF(C40>'AO en WW'!C34,\"(Dekking max. € \"&'AO en WW'!C34&\" pm)\",\" \")))","v":" "},null,{"$f":"IF(AlgemeenOUD!F9>58,0,IF(E40=\"X\",\" \",IF(E40>'AO en WW'!C34,\"(Dekking max. € \"&'AO en WW'!C34&\" pm)\",\" \")))","v":" "}]

{"sheet":"AO uitvoer","index":80,"n_rows":62,"n_cols":8,"rows_kept":62,"cut":false,"hidden":true,"merged":[[50,4,50,5],[60,2,60,3],[60,4,60,5],[55,4,55,5],[59,2,59,3],[56,4,56,5],[58,4,58,5],[59,4,59,5],[57,2,57,3],[58,2,58,3],[55,2,55,3],[56,2,56,3],[57,4,57,5],[0,0,0,5],[2,1,2,4],[4,1,4,2],[3,1,3,4],[32,0,32,5],[31,0,31,5],[14,0,14,2],[29,0,29,2],[35,0,35,5],[17,1,17,4],[19,1,19,2],[16,0,16,5],[34,0,34,5],[18,1,18,4],[42,2,42,3],[42,4,42,5],[36,4,36,5],[36,2,36,3],[37,2,37,3],[37,4,37,5],[40,4,40,5],[61,2,61,3],[61,4,61,5],[52,4,52,5],[49,2,49,3],[38,4,38,5],[46,4,46,5],[40,2,40,3],[38,2,38,3],[49,4,49,5],[50,2,50,3],[43,0,43,5],[45,4,45,5],[41,2,41,3],[41,4,41,5],[39,4,39,5],[39,2,39,3]]}
[{"$f":"Gegevens!I6","v":""}]
[]
[{"$f":"AlgemeenOUD!C6","v":0},"50% arbeidsongeschikt"]
["> 35% = passende arbeid","Gangbare arbeid",null,null,null,"> 80%"]
[{"$f":"IF(AlgemeenOUD!C12>0,\"Variabel inkomen vervalt\",0)","v":0},"Loongerelateerd (max.24 mnd)",null,"Loonaanvulling","Loonvervolg","IVA"]
[{"$f":"IF(AlgemeenOUD!C12>0,\"2 ziektejaren\",0)","v":0},"RVC 100%","RVC 0%","RVC 75%","RVC 45%"]
["Inkomen",{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)/2","v":0},"Geen",{"$f":"B7*75%","v":0},{"$f":"B7*45%","v":0}]
["Uitkering",{"$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},{"$f":"IF((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*70%,(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)*70%)","v":0},{"$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},{"$f":"('Financiële Gegevens'!B5*70%)*50%","v":7039.8720000000003},{"$f":"IF((AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)*75%)","v":0}]
["Uitkering werkgever",{"$f":"'AO en WW'!$C$16","v":0},{"$f":"'AO en WW'!$C$16","v":0},{"$f":"'AO en WW'!$C$16","v":0},{"$f":"'AO en WW'!$C$16","v":0},{"$f":"'AO en WW'!C17","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},{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)","v":0}]
["Inkomen totaal NIEUW",{"$f":"SUM(B7:B9)","v":0},{"$f":"SUM(C8:C9)","v":0},{"$f":"SUM(D7:D9)","v":0},{"$f":"SUM(E7:E9)","v":7039.8720000000003},{"$f":"SUM(F8:F9)","v":0}]
[]
["Maandelijkse terugval >",{"$f":"(B11-B12)/12","v":0},{"$f":"(C11-C12)/12","v":0},{"$f":"(D11-D12)/12","v":0},{"$f":"(E11-E12)/12","v":-586.65600000000006},{"$f":"(F11-F12)/12","v":0}]
[{"$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":"\"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"}]
[{"$f":"AlgemeenOUD!F6","v":0},"50% arbeidsongeschikt"]
["> 35% = passende arbeid","Gangbare arbeid",null,null,null,"> 80%"]
[{"$f":"IF(AlgemeenOUD!F12>0,\"Variabel inkomen vervalt\",0)","v":0},"Loongerelateerd (max.24 mnd)",null,"Loonaanvulling","Loonvervolg","IVA"]
[{"$f":"IF(AlgemeenOUD!F12>0,\"2 ziektejaren\",0)","v":0},"RVC 100%","RVC 0%","RVC 75%","RVC 45%"]
["Inkomen",{"$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":"('Financiële Gegevens'!B5*70%)*50%","v":7039.8720000000003},{"$f":"IF((AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)>'Financiële Gegevens'!B1,'Financiële Gegevens'!B1*75%,(AlgemeenOUD!F10+AlgemeenOUD!F11+AlgemeenOUD!F12)*75%)","v":0}]
["Uitkering werkgever",{"$f":"'AO en WW'!$F$16","v":0},{"$f":"'AO en WW'!$F$16","v":0},{"$f":"'AO en WW'!$F$16","v":0},{"$f":"'AO en WW'!$F$16","v":0},{"$f":"'AO en WW'!F17","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},{"$f":"E23+E22+E24","v":7039.8720000000003},{"$f":"SUM(F23:F24)","v":0}]
[]
["Maandelijkse terugval >",{"$f":"(B26-B27)/12","v":0},{"$f":"(C26-C27)/12","v":0},{"$f":"(D26-D27)/12","v":0},{"$f":"(E26-E27)/12","v":-586.65600000000006},{"$f":"(F26-F27)/12","v":0}]
[{"$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!C7=3,\"Duur van de loongerelateerde uitkering is afhankelijk van de weken/jaren eis, leeftijd en werkelijk gewerkte jaren vanaf 1998\",\" \")","v":" "}]
[]
[]
[]
[{"$f":"IF(OR(AlgemeenOUD!C13>'Financiële Gegevens'!B1,AlgemeenOUD!F13>'Financiële Gegevens'!B1),\"Uw inkomen is hoger dan het sociale jaarloon dus uw terugval is groter\",\" \")","v":" "}]
[null,null,{"$f":"A3","v":0},null,{"$f":"A18","v":0}]
["Huidig inkomen",null,{"$f":"(AlgemeenOUD!C12+AlgemeenOUD!C10+AlgemeenOUD!C11)","v":0},null,{"$f":"B26","v":0}]
["Inkomen bij arbeidsongeschiktheid",null,{"$f":"C12","v":0},null,{"$f":"C27","v":0}]
["Adviesdekking per maand",null,{"$f":"IF(AlgemeenOUD!C9>57,\"U bent ouder\",(C38-C39)/12)","v":0},null,{"$f":"IF(AlgemeenOUD!F9>57,\"U bent ouder\",(E38-E39)/12)","v":0}]
["Bruto maandpremie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>57,\"dan 57 geen\",'AO en WW'!C25)","v":0},null,{"$f":"IF(AlgemeenOUD!F9>57,\"dan 57 geen\",'AO en WW'!F25)","v":2.2902370328761066}]
[{"$f":"\"Netto premie bij IB-tarief van \"&100*AlgemeenOUD!C16&\"%\"","v":"Netto premie bij IB-tarief van 36,55%"},null,{"$f":"IF(AlgemeenOUD!C9>57,\"dekking mogelijk\",C41*(1-AlgemeenOUD!C16))","v":0},null,{"$f":"IF(AlgemeenOUD!F9>57,\"dekking mogelijk\",E41*(1-AlgemeenOUD!C16))","v":1.4531553973598899}]
[null,null,{"$f":"IF(AlgemeenOUD!C9>57,0,IF(C40>'AO en WW'!C34,\"(Dekking max. € \"&'AO en WW'!C34&\" pm)\",\" \"))","v":" "},null,{"$f":"IF(AlgemeenOUD!F9>57,0,IF(E40>'AO en WW'!C34,\"(Dekking max. € \"&'AO en WW'!C34&\" pm)\",\" \"))","v":" "}]
[{"$f":"IF(H44>0.95,\"Uw hypotheek is (vrijwel) maximaal dus ik adviseer u de inkomensdekking\",\"Welk inkomen is volgens de GHF norm nodig om uw hypotheeklast te kunnen blijven betalen\")","v":"Uw hypotheek is (vrijwel) maximaal dus ik adviseer u de inkomensdekking"},null,null,null,null,null,null,{"$f":"IF(E46>0,E46/E47,\" \")","v":" "}]
[]
["Nieuwe hypotheeksom",null,null,null,{"$f":"AlgemeenOUD!C27","v":0}]
["Verantwoorde hypotheeksom",null,null,null,{"$f":"IF(AlgemeenOUD!F10>0,AlgemeenOUD!C35,AlgemeenOUD!C39)","v":0}]
[]
[]
["Bij arbeidsongeschiktheid van:",null,{"$f":"IF(H44>0.95,0,A3)","v":0},null,{"$f":"IF('AO uitvoer'!H44>0.95,0,A18)","v":0}]
["Verantwoorde hypotheek bij AO inkomen",null,{"$f":"'AO en WW'!C10","v":1},null,{"$f":"'AO en WW'!F10","v":0}]
[]
["Indien u beiden arbeidsongeschikt bent (ter info):",null,null,null,{"$f":"'Maximale verstrekking'!L50","v":0}]
[]
[]
[null,null,{"$f":"C50","v":0},null,{"$f":"E50","v":0}]
["Inkomen bij arbeidsongeschiktheid",null,{"$f":"C39","v":0},null,{"$f":"E39","v":0}]
["Benodigd inkomen voor nieuwe hypotheek",null,{"$f":"IF('AO en WW'!C10>'AO en WW'!C11,\"AO inkomen is 'passend'\",'AO en WW'!C12)","v":"AO inkomen is 'passend'"},null,{"$f":"IF('AO en WW'!F10>'AO en WW'!F11,\"AO inkomen is 'passend'\",'AO en WW'!F12)","v":0}]
["Adviesdekking per maand",null,{"$f":"IF(AlgemeenOUD!C9>57,\"U bent ouder\",IF('AO en WW'!C10<'AO en WW'!C11,(C58-C57)/12,\"X\"))","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>57,\"U bent ouder\",IF('AO en WW'!F10<'AO en WW'!F11,(E58-E57)/12,\"X\"))","v":"X"}]
["Bruto maandpremie (maximale looptijd)",null,{"$f":"IF(AlgemeenOUD!C9>57,\"dan 57 geen\",IF(C51>E46,\"X\",'AO en WW'!C30))","v":"X"},null,{"$f":"IF(AlgemeenOUD!F9>57,\"dan 57 geen\",IF(AlgemeenOUD!C7=1,0,IF('AO en WW'!F11>'AO en WW'!F10,'AO en WW'!F30,\"X\")))","v":0}]
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[]
[null,null,"Situatie 1:  Voor 50% arbeidsgeschikt en 100% benutting van die restverdiencapaciteit"]
[]
[]
[null,null,{"$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,{"$f":"IF(AlgemeenOUD!C12>0,\"per jaar.\", \" \")","v":" "}]
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[null,null,null,null,{"$f":"C7*70%","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,{"$f":"AlgemeenOUD!C9","v":0},null,{"$f":"C18+1","v":1},null,{"$f":"E18+1","v":2},null,null,null,"?"]
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[]
[]
[null,null,"Situatie 2:  Voor 50% arbeidsgeschikt en 45% benutting van die restverdiencapaciteit"]
[]
[]
[null,null,{"$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,{"$f":"'AO uitvoer'!E12","v":7039.8720000000003},null,"= per maand minder ad.",null,null,null,null,{"$f":"IF(AlgemeenOUD!C12>0,(C7+N7-K31)/12,(C7-K31)/12)","v":-586.65600000000006}]
[]
[]
[]
[]
[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,{"$f":"IF(AlgemeenOUD!C12>0,\"Uw onregelmatig inkomen vervalt de eerste 2 jaar: \",\" \")","v":" "}]
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[]
[null,null,null,null,0.7]
[null,null,null,null,{"$f":"C43*70%","v":0}]
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[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"'Financiële Gegevens'!B5/2","v":10056.960000000001},null,"= per maand minder ad.",null,null,null,null,{"$f":"IF(AlgemeenOUD!C12>0,(C7+N7-K50)/12,(C7-K50)/12)","v":-838.08}]

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[{"$f":"AlgemeenOUD!C6","v":0},null,null,{"$f":"AlgemeenOUD!F6","v":0}]
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[]
["Totaal bruto jaarinkomen:",{"$f":"SUM(B6:B11)","v":0},null,"Totaal bruto jaarinkomen:",{"$f":"SUM(E6:E11)","v":0}]
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["Soort dekking",null,null,{"$f":"Overlijden!E40","v":0}]
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["Aantal jaar looptijd dekking",null,null,{"$f":"Overlijden!E44","v":0}]
["Aantal jaar premiebetaling",null,null,{"$f":"Overlijden!E45","v":0}]
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["Soort dekking",null,null,{"$f":"Overlijden!M40","v":0}]
["Hoogte dekking",null,null,{"$f":"OverlijdenOUD!C27","v":0}]
["Aantal jaar looptijd dekking",null,null,{"$f":"Overlijden!M44","v":0}]
["Aantal jaar premiebetaling",null,null,{"$f":"Overlijden!M45","v":0}]
["Premie pm",null,null,{"$f":"Overlijden!M39","v":0}]
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[null,null,null,null,null,"Looptijd in jaren",null,null,null,null,{"$f":"IF(Y1=1,S1,S2)","v":0},null,null,null,{"$f":"AlgemeenOUD!F50","v":0}]
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{"sheet":"Maximale verstrekking","index":85,"n_rows":68,"n_cols":267,"rows_kept":68,"cut":false,"hidden":true,"merged":[[10,34,10,35]]}
["uitleg",null,null,null," samen"," alleen 1e aanvrager"," alleen 2e aanvrager"," alleen 1e aanvrager 70%"," alleen 1e aanvrager 70%"," alleen 2e aanvrager 70%"," alleen 2e aanvrager 70%"," 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,null,null,"HIDE",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:",{"$f":"50%+IF(C10<>2016,D2,0)","v":0.6},0.1]
["Instelling in welke rij de percentages staan. Deze hoeft maar één keer ingesteld te worden","Percentage staat op rij:",4]
["Zelfde voor waar de inkomensgrenzen in de bladen 2016, 2016AOW etc staan.","Inkomens staan in kolom","A"]
["Minimum voor ophoging voor alleenstaande","Min inkomen voor ophoog",{"$f":"19500+IF($C$10<>2016,D5,0)","v":20000},500]
["Maximum voor ophoging","Max inkomen voor ophoog",31000,0]
["Onder deze grens wordt het rentepercentage wat hieronder staat genomen","Minimale rentevaste periode",10,"Checks:"]
[null,"Anders rente",0.05,{"$f":"INDEX(INDIRECT(\"'\"&C10&\"'!A:A\"),C30)","v":35000},null,null,null,null,null,null,null,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",{"$f":"COUNTA(AJ12:AJ32)","v":9}]
[null,null,null,{"$f":"INDEX(INDIRECT(\"'\"&C10&\"'!2:2\"),C31)","v":"4,501-5,000%"},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,"Keuze:",7,{"$f":"OR(AK9=1,AK9=6)","v":false}]
[null,"Jaar",{"$f":"+AlgemeenOUD!D35","v":2017}]
["WAAR als de AOW tabel genomen moet worden, kan WAAR of ONWAAR ingezet","AOW tabel",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:",{"$f":"E13","v":0.05},null,{"$f":"ReBa!F21","v":0.05},{"$f":"+E13","v":0.05},{"$f":"+F13","v":0.05},0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,{"$f":"AlgemeenOUD!F37","v":{"$error":"#VALUE!"}},{"$f":"+S13","v":{"$error":"#VALUE!"}},{"$f":"'Financiële Gegevens'!C49","v":0.05},{"$f":"U13","v":0.05},{"$f":"IFERROR('Vrije Keuze'!AQ21,E13)","v":0.05},{"$f":"ReBa!F21","v":0.05},{"$f":"+X13","v":0.05},0.05,0.05,0.05,0.05,0.05,0.05,{"$f":"+AE13","v":0.05},{"$f":"+AF13","v":0.05},null,2,"Florius met 3%",2,0.03]
["rentevaste periode die gekozen is","Rentevaste periode",10,null,{"$f":"AlgemeenOUD!F43","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},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},360,360,360,360,360,360,360,360,360,360,360,360,360,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":14783.400000000001},{"$f":"AlgemeenOUD!C13+(AlgemeenOUD!F22*3%)","v":14783.400000000001},{"$f":"AlgemeenOUD!F13+(AlgemeenOUD!F22*3%)","v":0},{"$f":"'AO uitvoer'!C12","v":0},{"$f":"'AO en WW'!C12","v":0},{"$f":"AlgemeenOUD!C13","v":14783.400000000001},{"$f":"AlgemeenOUD!C13","v":14783.400000000001},{"$f":"'AO uitvoer'!C9+'AO uitvoer'!C12","v":0},{"$f":"'ORV advies'!B13","v":0},{"$f":"'ORV advies'!E13","v":0},{"$f":"'Pensioen uitvoer'!B16","v":14783.400000000001},{"$f":"O18","v":14783.400000000001},{"$f":"'ORV advies'!B13","v":0},{"$f":"'ORV advies'!E13","v":0},{"$f":"+E18","v":14783.400000000001},{"$f":"+F18","v":14783.400000000001},{"$f":"+E18","v":14783.400000000001},{"$f":"+F18","v":14783.400000000001},{"$f":"+E18","v":14783.400000000001},{"$f":"+W18","v":14783.400000000001},14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,{"$f":"F18","v":14783.400000000001},{"$f":"G18","v":0},null,7,"Overig met 3%",7,0.03]
["Tweede inkomen","Inkomen 2:",null,null,{"$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":"'AO en WW'!F12","v":0},{"$f":"'AO uitvoer'!C27+'AO uitvoer'!C24","v":0},0,0,{"$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},{"$f":"+W19","v":0},0,0,0,0,0,0,0,0,0,null,8,"Aegon met 3%",8,0.03]
["De ruimte die de bank toestaat voor alleenstaande om bij quote op te tellen.","Max ruimte bank",0.03,null,{"$f":"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$2*E24)*NOT(E12)","v":14783.400000000001},{"$f":"F25+($C$2*F24)*NOT(F12)","v":14783.400000000001},0,0,0,14783.400000000001,14783.400000000001,0,0,0,14783.400000000001,14783.400000000001,0,0,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,{"$f":"AF25+($C$2*AF24)*NOT(AF12)","v":14783.400000000001},0,null,12]
["Laagste","Laagste",{"$f":"MIN(C18,C19*1)","v":0},null,{"$f":"MIN(E18,E19*1)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$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":14783.400000000001},14783.400000000001,0,0,0,14783.400000000001,14783.400000000001,0,0,0,14783.400000000001,14783.400000000001,0,0,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,{"$f":"MAX(W18,W19)","v":14783.400000000001},14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,0,null,14]
["Gesamelijk inkomen","Verzamelinkomen",{"$f":"SUM(C18:C19)","v":35000},null,{"$f":"SUM(E18:E19)","v":14783.400000000001},14783.400000000001,0,0,0,14783.400000000001,14783.400000000001,0,0,0,14783.400000000001,14783.400000000001,0,0,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,{"$f":"SUM(W18:W19)","v":14783.400000000001},{"$f":"IF(X12,X23,SUM(X18:X19))","v":14783.400000000001},{"$f":"IF(Y12,Y23,SUM(Y18:Y19))","v":14783.400000000001},{"$f":"IF(Z12,Z23,SUM(Z18:Z19))","v":14783.400000000001},14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,14783.400000000001,{"$f":"SUM(AF18:AF19)","v":14783.400000000001},{"$f":"SUM(AG18:AG19)","v":0},null,15]
[null,{"$f":"\"Box3 + 1e-6 ivm #deel0 in rij \"&ROW(B53)","v":"Box3 + 1e-6 ivm #deel0 in rij 53"},{"$f":"+C15+0.000001","v":300000.00000100001},null,{"$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$8,C13)","v":0.05},null,{"$f":"IF(E14<$C$7,$C$8,E13)","v":0.05},{"$f":"IF(F14<$C$7,$C$8,F13)","v":0.05},0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,0.05,{"$f":"IF(S14<$C$7,$C$8,S13)","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0.05,0.05,{"$f":"IF(W14<$C$7,$C$8,W13)","v":0.05},{"$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":{"$error":"#DIV/0!"}},{"$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$8,AF13)","v":0.05},0.05]
["In welk blad moet gekeken worden","Haal quotes uit blad",{"$f":"$C$10&IF(C11,\"AOW\",\"\")","v":"2017"},null,{"$f":"$C$10&IF(E11,\"AOW\",\"\")","v":"2017"},"2017","2017","2017","2017","2017","2017","2017","2017","2017","2017AOW","2017AOW","2017AOW","2017AOW","2017","2017","2017","2017",{"$f":"$C$10&IF(W11,\"AOW\",\"\")","v":"2017"},"2017","2017","2017","2017","2017","2017","2017","2017","2017","2017"]
["In welke rij in dit blad staat het inkomen","Inkomen staat op rij",{"$f":"MATCH(C23,INDIRECT(\"'\"&C$29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":26},null,{"$f":"MATCH(E23,INDIRECT(\"'\"&E$29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":5},5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,{"$f":"MATCH(W23,INDIRECT(\"'\"&W$29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":5},5,5,5,5,5,5,5,5,5,5]
["En waar staat het rentepercentage","Percentage staat in kolom",{"$f":"MATCH(C28,INDIRECT(\"'\"&$C$10&\"'!\"&$C$3&\":\"&$C$3),1)","v":10},null,{"$f":"MATCH(E28,INDIRECT(\"'\"&$C$10&\"'!\"&$C$3&\":\"&$C$3),1)","v":10},10,10,10,10,10,10,10,10,10,10,10,10,10,{"$error":"#VALUE!"},{"$error":"#VALUE!"},10,10,{"$f":"MATCH(W28,INDIRECT(\"'\"&$C$10&\"'!\"&$C$3&\":\"&$C$3),1)","v":10},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},10,10]
["Opgezocht","Woonquote",{"$f":"INDIRECT(\"'\"&C29&\"'!R\"&C30&\"K\"&C31,FALSE)","v":"26,5%"},null,{"$f":"INDIRECT(\"'\"&E29&\"'!R\"&E30&\"K\"&E31,FALSE)","v":"13,5%"},{"$f":"INDIRECT(\"'\"&F29&\"'!R\"&F30&\"K\"&F31,FALSE)","v":"13,5%"},"13,5%","13,5%","13,5%","13,5%","13,5%","13,5%","13,5%","13,5%","14,5%","14,5%","14,5%","14,5%",{"$error":"#VALUE!"},{"$error":"#VALUE!"},"13,5%","13,5%",{"$f":"INDIRECT(\"'\"&W29&\"'!R\"&W30&\"K\"&W31,FALSE)","v":"13,5%"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},"13,5%","13,5%"]
["Zoeken naar rij van inkomen van bovengrens",{"$f":"\"Inkomen bij \"&$C$6&\" staat in rij:\"","v":"Inkomen bij 31000 staat in rij:"},{"$f":"MATCH($C$6,INDIRECT(\"'\"&C29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":22},null,{"$f":"MATCH($C$6,INDIRECT(\"'\"&E29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":22},22,22,22,22,22,22,22,22,22,21,21,21,21,22,22,22,22,{"$f":"MATCH($C$6,INDIRECT(\"'\"&W29&\"'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":22},22,22,22,22,22,22,22,22,22,22]
["Percentage dat daarbij hoort",{"$f":"\"Woonquote bij \"&C6","v":"Woonquote bij 31000"},{"$f":"INDIRECT(\"'\"&C29&\"'!R\"&C33&\"K\"&C31,FALSE)","v":"26,5%"},null,{"$f":"INDIRECT(\"'\"&E29&\"'!R\"&E33&\"K\"&E31,FALSE)","v":"26,5%"},"26,5%","26,5%","26,5%","26,5%","26,5%","26,5%","26,5%","26,5%","26,5%","28,5%","28,5%","28,5%","28,5%",{"$error":"#VALUE!"},{"$error":"#VALUE!"},"26,5%","26,5%",{"$f":"INDIRECT(\"'\"&W29&\"'!R\"&W33&\"K\"&W31,FALSE)","v":"26,5%"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},"26,5%","26,5%"]
["Zoeken in Box3 tabel","In Box3 tab",{"$f":"MATCH(C23,INDIRECT(\"'\"&C29&\"BOX3'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":26},null,{"$f":"MATCH(E23,INDIRECT(\"'\"&E29&\"BOX3'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":5},5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,5,{"$f":"MATCH(W23,INDIRECT(\"'\"&W29&\"BOX3'!\"&$C$4&\":\"&$C$4&\"\"),1)","v":5},5,5,5,5,5,5,5,5,5,5]
["Rente percentage","Woonquote BOX3",{"$f":"INDIRECT(\"'\"&C29&\"BOX3'!R\"&C35&\"K\"&C31,FALSE)","v":"19,0%"},null,{"$f":"INDIRECT(\"'\"&E29&\"BOX3'!R\"&E35&\"K\"&E31,FALSE)","v":"10,5%"},"10,5%","10,5%","10,5%","10,5%","10,5%","10,5%","10,5%","10,5%","10,5%","14,5%","14,5%","14,5%","14,5%",{"$error":"#VALUE!"},{"$error":"#VALUE!"},"10,5%","10,5%",{"$f":"INDIRECT(\"'\"&W29&\"BOX3'!R\"&W35&\"K\"&W31,FALSE)","v":"10,5%"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},"10,5%","10,5%"]
[]
["Verschil tussen woonquote en die bij max geeft ophoogruimte","Ophoogruimte in quote",{"$f":"MAX(0,C34-C32)","v":0},null,{"$f":"MAX(0,E34-E32)","v":0.13},0.13,0.13,0.13,0.13,0.13,0.13,0.13,0.13,0.13,0.13999999999999999,0.13999999999999999,0.13999999999999999,0.13999999999999999,{"$error":"#VALUE!"},{"$error":"#VALUE!"},0.13,0.13,{"$f":"MAX(0,W34-W32)","v":0.13},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.13,0.13]
["Kan er verhoogt worden, adhv min inkomen, max inkomen, alleenstaand?","Mogelijke ophoogruimte",{"$f":"IF(AND(C12,C19*1=0,C23>$C$5,C23<$C$6),MIN(C38,C20),0)","v":0},null,{"$f":"IF(AND(E12,E19*1=0,E23>$C$5,E23<$C$6),MIN(E38,E20),0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"IF(AND(W12,W19*1=0,W23>$C$5,W23<$C$6),MIN(W38,W20),0)","v":0},0,0,0,0,0,0,0,0,0,0]
[]
["Wat kiest de klant? En check dit bij mogelijke","Gekozen ophoogruimte",{"$f":"C39","v":0},null,{"$f":"E39","v":0},{"$f":"F39","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"W39","v":0},0,0,0,0,0,0,0,0,0,0]
["Quote waarmee gerekend wordt","Rekenquote",{"$f":"+C41+C32","v":0.26500000000000001},null,{"$f":"+E41+E32","v":0.13500000000000001},{"$f":"+F41+F32","v":0.13500000000000001},0.13500000000000001,0.13500000000000001,0.13500000000000001,0.13500000000000001,0.13500000000000001,0.13500000000000001,0.13500000000000001,0.13500000000000001,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,{"$error":"#VALUE!"},{"$error":"#VALUE!"},0.13500000000000001,0.13500000000000001,{"$f":"+W41+W32","v":0.13500000000000001},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.13500000000000001,0.13500000000000001]
["Quote voor Box 3","Rekenquote BOX3",{"$f":"+C36+C41","v":0.19},null,{"$f":"+E36+E41","v":0.105},0.105,0.105,0.105,0.105,0.105,0.105,0.105,0.105,0.105,0.14499999999999999,0.14499999999999999,0.14499999999999999,0.14499999999999999,{"$error":"#VALUE!"},{"$error":"#VALUE!"},0.105,0.105,{"$f":"+W36+W41","v":0.105},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},0.105,0.105]
["Norm uitgaande van rekenquote","NHG norm -> Woonlast per jaar:",{"$f":"(C42*C26)-C17","v":9275},null,{"$f":"(E42*E26)-E17","v":1995.7590000000002},{"$f":"(F42*F26)-F17","v":1995.7590000000002},0,0,0,1995.7590000000002,1995.7590000000002,0,0,0,{"$f":"(O42*O26)-O17","v":2143.5929999999998},2143.5929999999998,0,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},1995.7590000000002,1995.7590000000002,{"$f":"(W42*W26)-W17","v":1995.7590000000002},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},1995.7590000000002,0]
[]
["Termijnbedrag om Box3 lening af te lossen, uitgaande van looptijd in C15","Termijnbedrag Box 3 lening",{"$f":"-PMT(C28/12,C16,C27,0,0)","v":1610.4648690417855},null,{"$f":"-PMT(E28/12,E16,E27,0,0)","v":5.3682162301213898E-9},5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,{"$error":"#VALUE!"},{"$error":"#VALUE!"},5.3682162301213898E-9,5.3682162301213898E-9,{"$f":"-PMT(W28/12,W16,W27,0,0)","v":5.3682162301213898E-9},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},5.3682162301213898E-9,5.3682162301213898E-9]
["Annuiteit","Annuïteitenfactor",{"$f":"C27/C46","v":186.2816170460755},null,{"$f":"E27/E46","v":186.28161704607552},{"$f":"F27/F46","v":186.28161704607552},186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,186.28161704607552,{"$error":"#VALUE!"},{"$error":"#VALUE!"},186.28161704607552,186.28161704607552,{"$f":"W27/W46","v":186.28161704607552},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},186.28161704607552,186.28161704607552]
["Toepassing van regel in artikel 7.7","Box 3 last",{"$f":"IF(C27*1=0,0,((1/C47)*C27)*C42/C43)","v":2246.1746857688058},null,{"$f":"IF(E27*1=0,0,((1/E47)*E27)*E42/E43)","v":6.9019922958703591E-9},6.9019922958703591E-9,6.9019922958703591E-9,6.9019922958703591E-9,6.9019922958703591E-9,6.9019922958703591E-9,6.9019922958703591E-9,6.9019922958703591E-9,6.9019922958703591E-9,6.9019922958703591E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,5.3682162301213898E-9,{"$error":"#VALUE!"},{"$error":"#VALUE!"},6.9019922958703591E-9,6.9019922958703591E-9,{"$f":"IF(W27*1=0,0,((1/W47)*W27)*W42/W43)","v":6.9019922958703591E-9},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},6.9019922958703591E-9,6.9019922958703591E-9]
["Wat mag klant per maand besteden","Termijnbedrag per maand ",{"$f":"C44/12-C21/12-C48","v":-1473.2580191021393},null,{"$f":"E44/12-E21/12-E48","v":166.31324999309803},{"$f":"F44/12-F21/12-F48","v":166.31324999309803},{"$f":"G44/12-G21/12-G48","v":-6.9019922958703591E-9},-6.9019922958703591E-9,-6.9019922958703591E-9,166.31324999309803,166.31324999309803,-6.9019922958703591E-9,-6.9019922958703591E-9,-6.9019922958703591E-9,178.63274999463178,{"$f":"P44/12-P21/12-P48+MAX(0)","v":178.63274999463178},-5.3682162301213898E-9,-5.3682162301213898E-9,{"$error":"#VALUE!"},{"$error":"#VALUE!"},166.31324999309803,166.31324999309803,{"$f":"W44/12-W21/12-W48","v":166.31324999309803},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"AF44/12-AF21/12-AF48","v":166.31324999309803},{"$f":"AG44/12-AG21/12-AG48","v":-6.9019922958703591E-9}]
["En de daarbij behorende hypotheek (hier wordt de Box3 hypotheek opgeteld)","Hypotheekbedrag (incl BOX3)",{"$f":"MAX(-PV(C28/12,C16,C49)+C27,C53)","v":103231.06277970015},null,{"$f":"MAX(0,MAX(-PV(E28/12,E16,E49)+E27,E53))","v":30981.101145902561},{"$f":"MAX(0,MAX(-PV(F28/12,F16,F49)+F27,F53))","v":30981.101145902561},{"$f":"MAX(0,MAX(-PV(G28/12,G16,G49)+G27,G53))","v":0},0,0,30981.101145902561,30981.101145902561,0,0,0,33275.997527387401,33275.997527387401,0,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},30981.101145902561,30981.101145902561,{"$f":"MAX(0,MAX(-PV(W28/12,W16,W49)+W27,W53))","v":30981.101145902561},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"MAX(0,MAX(-PV(AF28/12,AF16,AF49)+AF27,AF53))","v":30981.101145902561},{"$f":"MAX(0,MAX(-PV(AG28/12,AG16,AG49)+AG27,AG53))","v":0}]
[]
[null,null,{"$f":"+C48/C27","v":7.4872489525377285E-3},null,{"$f":"+E48/E27","v":6.9019922958703595E-3},6.9019922958703595E-3,6.9019922958703595E-3,6.9019922958703595E-3,6.9019922958703595E-3,6.9019922958703595E-3,6.9019922958703595E-3,6.9019922958703595E-3,6.9019922958703595E-3,6.9019922958703595E-3,5.3682162301213901E-3,5.3682162301213901E-3,5.3682162301213901E-3,5.3682162301213901E-3,{"$error":"#VALUE!"},{"$error":"#VALUE!"},6.9019922958703595E-3,6.9019922958703595E-3,{"$f":"+W48/W27","v":6.9019922958703595E-3},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},6.9019922958703595E-3,6.9019922958703595E-3]
[null,"Maximaal BOX3 hypotheek",{"$f":"+C49/C52+C27","v":103231.06277970015},null,{"$f":"MAX(0,+E49/E52+E27)","v":24096.412002590838},{"$f":"MAX(0,+F49/F52+F27)","v":24096.412002590838},{"$f":"MAX(0,+G49/G52+G27)","v":0},0,0,24096.412002590838,24096.412002590838,0,0,0,33275.997527387342,33275.997527387342,0,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},24096.412002590838,24096.412002590838,{"$f":"MAX(0,+W49/W52+W27)","v":24096.412002590838},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"MAX(0,+AF49/AF52+AF27)","v":24096.412002590838},{"$f":"MAX(0,+AG49/AG52+AG27)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PMT(O28/12,O16,O50,0,0)*12","v":2143.5930000000035},{"$f":"-PMT(P28/12,P16,P53,0,0)*12","v":2143.5929999999998}]
[null,"Maandlast",{"$f":"C44/12","v":772.91666666666663},null,{"$f":"E44/12","v":166.31325000000001},{"$f":"F44/12","v":166.31325000000001},null,null,null,null,null,null,null,"Datum oudste met inkomen",{"$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,{"$f":"AF44/12","v":166.31325000000001},{"$f":"AG44/12","v":0}]
[null,"Rente pm",{"$f":"C28/12","v":4.1666666666666666E-3},null,{"$f":"E28/12","v":4.1666666666666666E-3},{"$f":"F28/12","v":4.1666666666666666E-3},null,null,null,null,null,null,null,"Pensioendatum",{"$f":"+Gegevens!B413","v":"1964-12-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF28/12","v":4.1666666666666666E-3},{"$f":"AG28/12","v":4.1666666666666666E-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":"+E44","v":1995.7590000000002},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",{"$f":"+O44","v":2143.5929999999998},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Max;",{"$f":"-PV(C56,C57,C55,0)","v":143980.16650852942},null,{"$f":"-PV(E56,E57,E55,0)","v":30981.10114618827},{"$f":"-PV(F56,F57,F55,0)","v":30981.10114618827},null,null,null,null,null,null,null,"Maximale hypotheek bij Pensioen",{"$f":"+O50","v":33275.997527387401},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PV(AF56,AF57,AF55,0)","v":30981.10114618827},{"$f":"-PV(AG56,AG57,AG55,0)","v":0}]
[null,"Indien een box 3 deel",{"$f":"IF(C15>0,C59-C50,0)","v":40749.103728829272},null,{"$f":"IF(E15>0,E59-E50,0)","v":0},{"$f":"IF(F15>0,F59-F50,0)","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,{"$f":"IF(AF15>0,AF59-AF50,0)","v":0},{"$f":"IF(AG15>0,AG59-AG50,0)","v":0}]
[null,"Berekeng ann C61",{"$f":"-PMT(C56,C57,C60)","v":218.75000000000139},null,{"$f":"-PMT(E56,E57,E60)","v":0},{"$f":"-PMT(F56,F57,F60)","v":0},null,null,null,null,null,null,null,"maanden",{"$f":"IF(Gegevens!B415=1,0,DATEDIF(TODAY(),O56,\"M\"))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"-PMT(AF56,AF57,AF60)","v":0},{"$f":"-PMT(AG56,AG57,AG60)","v":0}]
[null,"C61 per jaar",{"$f":"C61*12","v":2625.0000000000168},null,{"$f":"E61*12","v":0},{"$f":"F61*12","v":0},null,null,null,null,null,null,null,"Jaarlast afl",{"$f":"-PV(O60^1/12,O61,(O57-O58)/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF61*12","v":0},{"$f":"AG61*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Max hyp",{"$f":"+O62+O59","v":33275.997527387401}]
[null,"Ik heb berekend wat de hypotheekverstrekking standaard is zonder box 3."]
[null,"Dan heb ik daar C50 vanaf gehaald. Van het verschil heb ik de annuiteit "]
[null,"per jaar berekend in C62 en die heb ik dan van de werkelijke last van C44"]
[null,"afgehaald. Dan moet het kloppen toch of zie ik wat over het hoofd?"]
[null,null,null,null,null,{"$f":"F44-F62","v":1995.7590000000002},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AF44-AF62","v":1995.7590000000002},{"$f":"AG44-AG62","v":0}]

{"sheet":"Scheiding uitvoer","index":86,"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]]}
[{"$f":"Gegevens!I6","v":""}]
[]
[]
[{"$f":"'AO uitvoer'!A3","v":0}]
[]
["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,{"$f":"'Maximale verstrekking'!AF50","v":30981.101145902561},null,null,null,null,null,null,null,{"$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'!AF68","v":1995.7590000000002}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Box 3"]
["Nieuwe hypotheeksom:",null,null,{"$f":"AlgemeenOUD!C27","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Maximale verstrekking'!AF15","v":0}]
[]
[]
["Resultaat:"]
[{"$f":"IF(D8>D11,\"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen alleen op uw naam krijgen.\",IF(D11>D8,\"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen NIET alleen op uw naam krijgen\",\" \"))","v":"Op basis van uw huidige inkomen kunt u de hypotheek conform GHF normen alleen op uw naam krijgen."}]
[]
[]
[]
[]
[{"$f":"'AO uitvoer'!A18","v":0}]
[]
["Toetsinkomen:",null,null,{"$f":"AlgemeenOUD!F12+AlgemeenOUD!F11+AlgemeenOUD!F10","v":0}]
[]
["Verantwoorde hypotheeksom:",null,null,{"$f":"'Maximale verstrekking'!AG50","v":0}]
["Gedragscode normlast per jaar",null,null,{"$f":"'Maximale verstrekking'!AG68","v":0}]
[]
["Nieuwe hypotheeksom:",null,null,{"$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"}]

{"sheet":"Pensioen uitvoer","index":87,"n_rows":49,"n_cols":9,"rows_kept":49,"cut":false,"hidden":true,"merged":[[48,3,48,4],[45,3,45,4],[46,3,46,4],[33,3,33,4],[6,0,6,1],[6,3,6,4],[42,3,42,4],[0,0,0,4],[28,0,28,4],[31,3,31,4],[3,3,3,4],[3,0,3,1],[1,0,1,4],[44,10,44,11],[35,3,35,4],[40,3,40,4],[41,3,41,4],[4,0,4,1],[4,3,4,4],[37,3,37,4],[36,3,36,4]]}
[{"$f":"Gegevens!I6","v":""}]
[]
[]
[{"$f":"AlgemeenOUD!C6","v":0},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",{"$f":"IF(AlgemeenOUD!F6>\" \",Gegevens!D165,\" \")","v":" "}]
["Pensioeninkomen",null,null,"Pensioeninkomen"]
[]
["AOW",{"$f":"IF(PensioenOUD!C17>0,PensioenOUD!C17,(IF(PensioenOUD!C14=2,Gegevens!B66,IF(PensioenOUD!C14=3,Gegevens!B67,\" \"))))","v":14783.400000000001},null,"AOW",{"$f":"IF(PensioenOUD!F17>0,PensioenOUD!F17,Gegevens!E67)","v":10214.759999999998}]
[{"$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'!B35","v":"Volledige AOW"},null,null,{"$f":"IF(AlgemeenOUD!F6>\" \",'Pensioen 2e'!B35,\" \")","v":" "}]
[]
["Pensioen bruto jaarinkomen",{"$f":"SUM(B9:B15)","v":14783.400000000001},null,"Pensioen bruto jaarinkomen",{"$f":"SUM(E9:E15)","v":10214.759999999998}]
["Huidig bruto jaarinkomen",{"$f":"AlgemeenOUD!C13","v":14783.400000000001},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":" "}]
[]
[]
[]
["Netto maandsalaris pensioen",{"$f":"'Pensioen 1e'!C10","v":1046.9668666666669},null,"Netto maandsalaris pensioen",{"$f":"'Pensioen 2e'!C10","v":730.44389666666655}]
[{"$f":"IF(Pensioen!E36>0,\"Huidig netto inkomen\",0)","v":0},{"$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,{"$f":"'Maximale verstrekking'!O18+'Maximale verstrekking'!O19","v":14783.400000000001}]
[]
["Uw hypotheek bij aanvang",null,null,{"$f":"Algemeen!E41","v":0}]
[]
[{"$f":"IF(PensioenOUD!C21=0,\"Uw hypotheek is afgelost op pensioendatum\",\"Uw hypotheekstand op pensioendatum\")","v":"Uw hypotheek is afgelost op pensioendatum"},null,null,{"$f":"PensioenOUD!C21","v":0},null,null,"Looptijd in jaren",null,12]
["U hebt werkelijk afgelost",null,null,{"$f":"IF(Pensioen!E40=0,\"Niets\",Pensioen!E40-Pensioen!F52)","v":"Niets"}]
["Maandlast op pensioendatum behorend bij een hypotheek van",null,null,{"$f":"PensioenOUD!C23-PensioenOUD!C22","v":0}]
[]
["Verantwoorde hypotheek op pensioendatum (box 1)",null,null,"Gehanteerde toetsrente",{"$f":"AlgemeenOUD!E35","v":0.05}]
["Gedragscode: volledige aflossing",null,null,{"$f":"PensioenOUD!C26","v":33275.997527387401}]
["Gedragscode: alleen rente",null,null,{"$f":"PensioenOUD!C28","v":42871.860000000066}]
["Bij aanvang opgegeven box 3 hypotheekdeel",null,null,{"$f":"IF(AlgemeenOUD!F29>0,AlgemeenOUD!F29,\"Geen\")","v":"Geen"}]
[]
["Verantwoorde hypotheek op pensioendatum (box 3)",null,null,"Gehanteerde toetsrente",{"$f":"E40","v":0.05},null,"Hoofsom",null,100000]
["Gedragscode: volledige aflossing",null,null,{"$f":"PensioenOUD!F26","v":33275.997527387342}]
["Gedragscode: alleen rente",null,null,{"$f":"PensioenOUD!F28","v":42871.859999999993}]
[]
[{"$f":"IF(Pensioen!T20=TRUE,\"Kredietlast per maand op pensioendatum\",\" \")","v":" "},null,null,{"$f":"Pensioen!N39","v":0}]

{"sheet":"Afbouwverplichting pensioen","index":88,"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,{"$f":"Gegevens!I6","v":""}]
[]
[null,null,null,null,null,null,null,null,"Hypotheeksom",null,null,{"$f":"PensioenOUD!F21","v":-33275.997527387401},"Looptijd in maanden",null,null,{"$f":"'Maximale verstrekking'!O61","v":0},null,null,null,2.2499999999999999E-2]
[null,null,null,null,null,null,null,null,"Deel niet aftrekbaar",null,null,null,"Belastingtarief",null,null,{"$f":"'Controle berekening'!H4","v":0.36549999999999999},null,null,null,null,null,"Annuiteit",{"$f":"PensioenOUD!F22","v":{"$error":"#NUM!"}}]
[null,null,null,null,null,null,null,null,"Rentepercentage",null,null,{"$f":"uw_gekozen_rente","v":0.05},"Aantal jaar rentevast",null,null,{"$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,{"$f":"IF(AlgemeenOUD!C7>1,\"Lft 1e\",\" \")","v":" "},"Jaar","Beginschuld",null,"Rente","Aflossing","Eindschuld",null,"Bruto pm","Netto pm"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Teruggave"]
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[null,null,null,null,null,null,{"$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$6)","v":0}]
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[null,null,null,null,null,null,6,{"$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]
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[]
[]
[]
[]
[]
[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":"Controle berekening","index":89,"n_rows":26,"n_cols":13,"rows_kept":26,"cut":false,"hidden":true,"merged":[[1,2,1,7],[2,2,2,3],[2,5,2,6],[3,2,3,3],[3,5,3,6],[4,2,4,3],[4,5,4,6],[5,2,5,3],[5,5,5,6],[10,2,10,7],[9,2,9,7],[14,6,14,7],[20,13,20,14],[24,13,24,18],[47,2,47,4],[20,16,20,17],[21,13,21,14],[21,16,21,17],[22,13,22,14],[22,16,22,17],[23,13,23,14],[23,16,23,17]]}
[]
[]
[null,null,{"$f":"IF(AlgemeenOUD!F29=0,\"De rente is aftrekbaar over\",\"Rente niet aftrekbaar over\")","v":"De rente is aftrekbaar over"},null,{"$f":"Alg_naschuif-AlgemeenOUD!F29","v":0},{"$f":"IF(AND(AlgemeenOUD!F30>0,AlgemeenOUD!C123<360),\"Looptijd in jaren annuïteit\",\"Looptijd in jaren\")","v":"Looptijd in jaren"},null,{"$f":"Algemeen!E27","v":30}]
[null,null,"Rentepercentage",null,{"$f":"'Vrije Keuze'!K21","v":0.05},"Belastingtarief",null,{"$f":"'Voorstel HOR'!F28","v":0.36549999999999999}]
[null,null,"Aantal jaar rentevast",null,{"$f":"'Vrije Keuze'!J21","v":0},"WOZ-waarde",null,{"$f":"AlgemeenOUD!F50","v":0}]
[null,null,{"$f":"Annuiteit!K8","v":"Premie overlijdensrisicio"},null,{"$f":"'Vrije Keuze'!P8","v":"Geen"},"Comfort Servicepakket",null,{"$f":"Annuiteit!O6","v":14.5}]
[null,null,"Jaren renteaftrek hypotheek",null,{"$f":"Algemeen!G27","v":30},"Rentescenario",null,"Geen"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,2]
[]
[null,"Belasting 2008"]
[null,{"$f":"Gegevens!B299","v":0.1835}]
[null,null,null,null,null,null,null,null,null,null,null,null,1]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Ja"]
[null,null,null,null,null,null,null,null,null,null,"Nee"]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Zorgeloosch Hypotheken"]

{"sheet":"WW 1e","index":90,"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]]}
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[{"$f":"IF(AlgemeenOUD!F6>0,\"Inkomen bij werkloosheid alleen 1e aanvrager\",\"        Inkomen bij werkloosheid\")","v":"        Inkomen bij werkloosheid"}]
["      (de berekening is een indicatie, er kunnen geen rechten aan worden ontleend)"]
[]
[]
[]
["Relatie",{"$f":"VLOOKUP(AlgemeenOUD!C7,Gegevens!A192:B194,2)&\" \"&AlgemeenOUD!C6","v":" 0"}]
[]
["Leeftijd",{"$f":"AlgemeenOUD!C9","v":0}]
[]
["Inkomen uit dienstverband",{"$f":"((AlgemeenOUD!C10+AlgemeenOUD!C11+AlgemeenOUD!C12))","v":0}]
[]
["Maximum maandloon WW",{"$f":"'Financiële Gegevens'!B1","v":53706},"(Maximale WW grondslag)"]
[]
[]
["WW Inkomen"]
[{"$f":"IF(AlgemeenOUD!C9>61,\"Tot maximaal 65 jaar !\",\" \")","v":" "},"Looptijd"]
["Aantal maanden 75 %",{"$f":"IF('AO en WW'!C18=5,0,(IF('AO en WW'!C18=3,0,IF('AO en WW'!C18=4,2,IF('AO en WW'!C18=2,2,0)))))","v":2}]
["Aantal maanden 70 %",{"$f":"IF('AO en WW'!C18=5,0,(IF('AO en WW'!C18=3,0,IF('AO en WW'!C18=2,1,IF('AO en WW'!C18=4,Gegevens!B220-2,0)))))","v":1}]
[]
[{"$f":"IF('AO en WW'!C18=4,\"Volgens onze informatie voldoet u aan de weken- en jareneis, de WW uitkering is maximaal.\",IF('AO en WW'!C18=3,\"U heeft geen recht op een WW uitkering volgens onze gegevens want u voldoet niet aan de minimale eisen.\",IF('AO en WW'!C18=2,\"U heeft alleen recht op maximaal 3 maanden uitkering daar u enkel voldoet aan de wekeneis.\",IF('AO en WW'!C18=5,\"U voldoet niet aan de weken- of jareneis en u ontvangt derhalve geen WW uitkering\",\" \"))))","v":"U heeft alleen recht op maximaal 3 maanden uitkering daar u enkel voldoet aan de wekeneis."}]
[]
["De looptijd van de uitkering is gebaseerd op leeftijd alsmede de jaren- en wekeneis."]
[]
["Let wel; na de looptijd van de WW uitkering is de terugval nog groter !"]
[]
["Inkomensbescherming",null,null,"Woonlastenbescherming"]
[null,"Inkomen",null,null,"Hypotheek","Inkomen"]
["Voor WW",{"$f":"'AO 1e'!J36","v":0},null,"Voor WW",{"$f":"'AO 1e'!M36","v":0},{"$f":"'AO 1e'!N36","v":14783.400000000001}]
["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",{"$f":"'AO 1e'!M38","v":"Logo CalFin"},{"$f":"'AO 1e'!N38","v":0}]
["Resultaat",{"$f":"'AO 1e'!J39","v":0},null,null,"Resultaat",{"$f":"IF(E30>=E31,\"Toereikend\",(F31-F30)/12)","v":0}]
["Netto ",{"$f":"B32*58%","v":0},null,null,"Netto",{"$f":"IF(E30>=E31,\"N.V.T.\",F32*58%)","v":0}]
["WW pm",{"$f":"'AO en WW'!C26","v":0.30198616145679597},null,null,"WW pm",{"$f":"IF(E30>E31,\"N.V.T.\",'AO en WW'!C31)","v":0.30198616145679597}]
[null,null,null,"Gehanteerde toetsrente",null,{"$f":"'AO 1e'!N42","v":0.05}]
[]
["De premie is NIET opgenomen in de hypotheeklasten."]

{"sheet":"WW 2e","index":91,"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":53706},"(Maximale WW grondslag)"]
[]
[]
["WW Inkomen"]
[{"$f":"IF(AlgemeenOUD!C9>61,\"Tot maximaal 65 jaar !\",\" \")","v":" "},"Looptijd"]
["Aantal maanden 75 %",{"$f":"IF('AO en WW'!F18=5,0,(IF('AO en WW'!F18=3,0,IF('AO en WW'!F18=2,2,IF('AO en WW'!F18=4,2,0)))))","v":0}]
["Aantal maanden 70 %",{"$f":"IF('AO en WW'!F18=5,0,(IF('AO en WW'!F18=3,0,IF('AO en WW'!F18=2,1,IF('AO en WW'!F18=4,Gegevens!E220-2,0)))))","v":0}]
[]
[{"$f":"IF('AO en WW'!C18=4,\"Volgens onze informatie voldoet u aan de weken- en jareneis, de WW uitkering is maximaal.\",IF('AO en WW'!C18=3,\"U heeft geen recht op een WW uitkering volgens onze gegevens want u voldoet niet aan de minimale eisen.\",IF('AO en WW'!C18=2,\"U heeft alleen recht op maximaal 3 maanden uitkering daar u enkel voldoet aan de wekeneis.\",IF('AO en WW'!C18=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",{"$f":"'AO 2e'!M37","v":30981.101145902561},{"$f":"'AO 2e'!N37","v":{"$error":"#REF!"}}]
["Nodig",{"$f":"'AO 2e'!J38","v":0},null,"Nodig",{"$f":"'AO 2e'!M38","v":"Logo CalFin"},{"$f":"'AO 2e'!N38","v":0}]
["Resultaat",{"$f":"'AO 2e'!J39","v":0},null,null,"Resultaat",{"$f":"IF(E30>=E31,\"Toereikend\",(F31-F30)/12)","v":{"$error":"#REF!"}}]
["Netto ",{"$f":"B32*58%","v":0},null,null,"Netto",{"$f":"IF(E30>=E31,\"N.V.T.\",F32*58%)","v":{"$error":"#REF!"}}]
["WW pm",{"$f":"'AO en WW'!F26","v":0.1118193149238933},null,null,"WW pm",{"$f":"IF(E30>E31,\"N.V.T.\",'AO en WW'!C31)","v":0.30198616145679597}]
[null,null,null,"Gehanteerde toetsrente",null,{"$f":"'AO 1e'!N42","v":0.05}]
[]
["De premie is NIET opgenomen in de hypotheeklasten."]

{"sheet":"AO 1e","index":92,"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":" 0"}]
[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":53706},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'!C17/12","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},{"$f":"AlgemeenOUD!C13","v":14783.400000000001}]
[null,null,null,null,null,null,null,null,"Bij AO",{"$f":"'AO en WW'!C9","v":0},null,"Bij AO",{"$f":"IF(AlgemeenOUD!F13>0,'Maximale verstrekking'!H50,'Maximale verstrekking'!H50)","v":0},{"$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":"Logo CalFin"},{"$f":"IF(M37>=M38,\"X\",'AO en WW'!C12)","v":0}]
[null,null,null,null,null,null,null,null,"Resultaat",{"$f":"J38/12","v":0},null,null,"Resultaat",{"$f":"IF(M37>=M38,\"Toereikend\",(N38-N37)/12)","v":0}]
[null,null,null,null,null,null,null,null,"AO pm",{"$f":"'AO en WW'!C25","v":0},null,null,"AO pm",{"$f":"IF(M37>M38,\"N.V.T.\",'AO en WW'!C$30)","v":2.3430216335432039}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Gehanteerde toetsrente",null,{"$f":"AlgemeenOUD!F35","v":0.05}]
[]
[]
[]
[]
["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":53706},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":93,"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,{"$f":"'Financiële Gegevens'!B1","v":53706},null,null,null,"Terugval jaar 2 pm",{"$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'!C17/12","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",{"$f":"IF(AlgemeenOUD!F13>0,'Maximale verstrekking'!J50,'Maximale verstrekking'!J50)","v":30981.101145902561},{"$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",{"$f":"AlgemeenOUD!F27","v":"Logo CalFin"},{"$f":"IF(M37>=M38,\"X\",'AO en WW'!F12)","v":0}]
[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":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,"AO pm",{"$f":"'AO en WW'!F25","v":2.2902370328761066},null,null,"AO pm",{"$f":"IF(M37>M38,\"N.V.T.\",'AO en WW'!C$30)","v":2.3430216335432039}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Gehanteerde toetsrente",null,{"$f":"AlgemeenOUD!F35","v":0.05}]
[]
[]
[]
[]
["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":53706},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":94,"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":53706},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":14783.400000000001}]
[null,null,null,null,null,null,null,null,null,null,null,"Bij AO",{"$f":"'Maximale verstrekking'!L50","v":0},{"$f":"'Maximale verstrekking'!L18+'Maximale verstrekking'!L19","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,"Nodig",{"$f":"AlgemeenOUD!F27","v":"Logo CalFin"}]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Gehanteerde toetsrente",null,{"$f":"AlgemeenOUD!F35","v":0.05}]
[]
[]
[]
[]
["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":53706},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":"Pensioen 1e","index":95,"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",{"$f":"VLOOKUP(AlgemeenOUD!C7,Gegevens!A192:B194,2)&\" \"&AlgemeenOUD!C6","v":" 0"}]
[]
[null,"Huidig netto inkomen",{"$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",{"$f":"'Pensioen uitvoer'!B16","v":14783.400000000001},"(zie onderstaand overzicht)",null,null,null,null,null,{"$f":"C9","v":14783.400000000001},"Inkomen"]
[null,"=> Dat is netto per maand:",{"$f":"(C9-G25)/12+J14","v":1046.9668666666669},"Exclusief premie eigen bijdrage zorgverzekeringswet en",null,null,null,null,null,{"$f":"'Financiële Gegevens'!C45","v":1151},"Algemene korting",null,"+1042"]
[null,null,null,"exclusief voordeel van loonheffingskoringen.",null,null,null,null,null,{"$f":"IF(C9<'Financiële Gegevens'!B46,'Financiële Gegevens'!C46,0)","v":1292},"Korting indien inkomen kleiner dan",null,null,null,{"$f":"'Financiële Gegevens'!B46","v":36057}]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(AlgemeenOUD!C7=1,'Financiële Gegevens'!C47,0)","v":438},"Alleenstaand"]
[null,{"$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-J10-J11-J12","v":11902.400000000001}]
[null,null,null,null,null,null,null,null,null,null,"Bijdrage ZvW NETTO",null,"> 2016 eruit gehaald"]
[null,"Aanvulling netto inkomen; ongeacht of u een pensioentekort heeft of niet, indien u ook nog opbouwt aan uw "]
[null,"hypotheek dan verlaagt de opbouw op pensioendatum ook de hypotheeklast alsmede het feit dat de premie"]
[null,"die wordt betaald geheel of gedeeltelijk vervalt ! Ook de aftrekbaarheid van de hypotheekrente is bepalend !"]
[]
[null,"Uw belastbaar inkomen;","Van ","Tot","Belastingtarief",null,"Te betalen belasting"]
[]
[null,"Schijf 1",{"$f":"'Financiële Gegevens'!A29","v":0},{"$f":"'Financiële Gegevens'!B29","v":19982},{"$f":"'Financiële Gegevens'!C29","v":0.1865},{"$f":"IF(J13<D21,J13*E21,D21*E21)","v":2219.7976000000003},{"$f":"F21","v":2219.7976000000003}]
[null,"Schijf 2",{"$f":"'Financiële Gegevens'!A30","v":19983},{"$f":"'Financiële Gegevens'!B30","v":34130},{"$f":"'Financiële Gegevens'!C30","v":0.22900000000000001},{"$f":"IF(J13<C22,0,IF(J13>D22,(D22-C22)*E22,(J13-C22)*E22))","v":0},{"$f":"F22","v":0}]
[null,"Schijf 3",{"$f":"'Financiële Gegevens'!A31","v":34131},{"$f":"'Financiële Gegevens'!B31","v":67072},{"$f":"'Financiële Gegevens'!C31","v":0.40799999999999997},{"$f":"IF(J13>D23,(D23-C23)*E23,IF(J13>C23,(J13-C23)*E23,0))","v":0},{"$f":"F23","v":0}]
[null,null,{"$f":"'Financiële Gegevens'!A32","v":67073},{"$f":"'Financiële Gegevens'!B32","v":"Onbeperkt"},{"$f":"'Financiële Gegevens'!C32","v":0.52},{"$f":"IF(J13<C24,0,(J13-C24)*E24)","v":0},{"$f":"F24","v":0}]
[null,null,null,null,"Belasting per jaar:",null,{"$f":"SUM(G21:G24)","v":2219.7976000000003}]
[null,null,null,null,null,{"$f":"SUM(F21:F25)","v":2219.7976000000003},null,null,{"$f":"'Financiële Gegevens'!L39","v":2017},"Huidig jaartal"]
[null,null,null,null,null,null,null,null,{"$f":"AlgemeenOUD!C9","v":0},"Huidige leeftijd"]
[null,"Overzicht PENSIOEN inkomen",null,null,null,null,null,null,{"$f":"65-I27","v":65},"Over dit aantal jaar is hij 65"]
[null,{"$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-I26)+I27","v":3},"Leeftijd in 2020"]
[null,{"$f":"IF(PensioenOUD!B11>\" \",PensioenOUD!B11,\" \")","v":" "},{"$f":"PensioenOUD!C11","v":0},null,{"$f":"\"uitkering ontvangen op \"&I33&\" jarige leeftijd.\"","v":"uitkering ontvangen op 67 jarige leeftijd."},null,null,null,{"$f":"(2025-I26)+I27","v":8},"Leeftijd in 2025"]
[null,{"$f":"IF(PensioenOUD!B12>\" \",PensioenOUD!B12,\" \")","v":" "},{"$f":"PensioenOUD!C12","v":0},null,null,null,null,null,{"$f":"I28+I26","v":2082},"In welk jaar 65 ?"]
[null,{"$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(I31>2019,I31<2026),66,IF(I31>=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":14783.400000000001}]
[null,{"$f":"IF(PensioenOUD!C16=1,\"Volledige AOW\",\"Onvolledige AOW\")","v":"Volledige AOW"}]
[]
[null,"TOTAAL",{"$f":"SUM(C29:C34)","v":14783.400000000001}]
[]
[null,"Cijfers 2011:"]
[null,{"$f":"'Financiële Gegevens'!A13","v":"AOW gehuwd/samenwonend, p.p."},{"$f":"'Financiële Gegevens'!B13","v":10214.759999999998}]
[null,{"$f":"'Financiële Gegevens'!A12","v":"AOW alleenstaand"},{"$f":"'Financiële Gegevens'!B12","v":14783.400000000001}]

{"sheet":"Pensioen 2e","index":96,"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":10214.759999999998},"(zie onderstaand overzicht)",null,null,null,null,null,{"$f":"C9","v":10214.759999999998},"Inkomen"]
[null,"=> Dat is netto per maand:",{"$f":"(C9-G25)/12+J14","v":730.44389666666655},"Exclusief premie eigen bijdrage zorgverzekeringswet en",null,null,null,null,null,{"$f":"'Pensioen 1e'!J10","v":1151},"Algemene korting"]
[null,null,null,"exclusief voordeel van loonheffingskoringen.",null,null,null,null,null,{"$f":"IF(C9<O11,'Financiële Gegevens'!C46,0)","v":1292},"Korting indien inkomen kleiner dan",null,null,null,{"$f":"'Financiële Gegevens'!B46","v":36057}]
[]
[null,{"$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-J10-J11-J12","v":7771.7599999999984}]
[null,null,null,null,null,null,null,null,null,null,"Bijdrage ZvW NETTO",null,"> va 2016 op nul"]
[null,"Aanvulling netto inkomen; ongeacht of u een pensioentekort heeft of niet, indien u ook nog opbouwt aan uw "]
[null,"hypotheek dan verlaagt de opbouw op pensioendatum ook de hypotheeklast alsmede het feit dat de premie"]
[null,"die wordt betaald geheel of gedeeltelijk vervalt ! Ook de aftrekbaarheid van de hypotheekrente is bepalend !"]
[]
[null,"Uw belastbaar inkomen;","Van ","Tot","Belastingtarief",null,"Te betalen belasting"]
[]
[null,"Schijf 1",{"$f":"'Financiële Gegevens'!A29","v":0},{"$f":"'Financiële Gegevens'!B29","v":19982},{"$f":"'Financiële Gegevens'!C29","v":0.1865},{"$f":"IF(J13<D21,J13*E21,D21*E21)","v":1449.4332399999996},{"$f":"F21","v":1449.4332399999996}]
[null,"Schijf 2",{"$f":"'Financiële Gegevens'!A30","v":19983},{"$f":"'Financiële Gegevens'!B30","v":34130},{"$f":"'Financiële Gegevens'!C30","v":0.22900000000000001},{"$f":"IF(J13<C22,0,IF(J13>D22,(D22-C22)*E22,(J13-C22)*E22))","v":0},{"$f":"F22","v":0}]
[null,"Schijf 3",{"$f":"'Financiële Gegevens'!A31","v":34131},{"$f":"'Financiële Gegevens'!B31","v":67072},{"$f":"'Financiële Gegevens'!C31","v":0.40799999999999997},{"$f":"IF(J13>D23,(D23-C23)*E23,IF(J13>C23,(J13-C23)*E23,0))","v":0},{"$f":"F23","v":0}]
[null,null,{"$f":"'Financiële Gegevens'!A32","v":67073},{"$f":"'Financiële Gegevens'!B32","v":"Onbeperkt"},{"$f":"'Financiële Gegevens'!C32","v":0.52},{"$f":"IF(J13<C24,0,(J13-C24)*E24)","v":0},{"$f":"F24","v":0}]
[null,null,null,null,"Belasting per jaar:",null,{"$f":"SUM(G21:G24)","v":1449.4332399999996},null,{"$f":"'Pensioen 1e'!I26","v":2017},"Huidig jaartal"]
[null,null,null,null,null,{"$f":"SUM(F21:F25)","v":1449.4332399999996},null,null,{"$f":"AlgemeenOUD!F9","v":-1},"Huidige leeftijd"]
[null,null,null,null,null,null,null,null,{"$f":"65-I26","v":66},"Over dit aantal jaar is hij 65"]
[null,"Overzicht PENSIOEN inkomen",null,null,null,null,null,null,{"$f":"(2020-I25)+I26","v":2},"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,{"$f":"(2025-I25)+I26","v":7},"Leeftijd in 2025"]
[null,{"$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,{"$f":"I27+I25","v":2083},"In welk jaar 65 ?"]
[null,{"$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":10214.759999999998}]
[null,{"$f":"IF(PensioenOUD!F16=1,\"Volledige AOW\",\"Onvolledige AOW.\")","v":"Volledige AOW"}]
[]
[null,"TOTAAL",{"$f":"SUM(C29:C34)","v":10214.759999999998}]
[]
[null,"Cijfers 2011:"]
[null,{"$f":"'Financiële Gegevens'!A13","v":"AOW gehuwd/samenwonend, p.p."},{"$f":"'Financiële Gegevens'!B13","v":10214.759999999998}]
[null,{"$f":"'Financiële Gegevens'!A12","v":"AOW alleenstaand"},{"$f":"'Financiële Gegevens'!B12","v":14783.400000000001}]

{"sheet":"Aflossing 65e","index":97,"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",{"$f":"AlgemeenOUD!C6&(IF(AlgemeenOUD!F6>\" \",\" & \"&AlgemeenOUD!F6,\" \"))","v":"0 "}]
[]
[]
[null,"Bruto jaarinkomen TOTAAL",{"$f":"'Maximale verstrekking'!O18+'Maximale verstrekking'!O19","v":14783.400000000001},{"$f":"IF(AlgemeenOUD!F6>0,\"Beiden GEPENSIONEERD\",\" \")","v":" "}]
[]
[null,"Huidige hypotheek hoogte",{"$f":"AlgemeenOUD!F27","v":"Logo CalFin"}]
[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":33275.997527387401},"(Verantwoorde hypotheek)"]
[null,"Gehanteerde toetsrente",{"$f":"AlgemeenOUD!F35","v":0.05}]
[]
[null,"De hypotheek is op de volgende wijze getoetst:"]
[null,"Deel getoetst in box 1",{"$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'!C29:C32)","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'!C34,\" \")","v":" "}]
[null,{"$f":"IF(B26>\" \",\"AOW \"&AlgemeenOUD!F6,\" \")","v":" "},{"$f":"IF(B28>\" \",'Pensioen 2e'!C34,\" \")","v":" "}]
[]
[null,"TOTAAL",{"$f":"SUM(C25:C28)","v":0}]