{"text_format":"2","workbook":"xlsx","n_sheets":4,"sheets":["logboek","Rekenmodel","printversie","Gebruiksaanwijzing"],"not_rendered":{"charts":0,"images":1,"macros":0,"external_links":0,"defined_names":4,"comments":2,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"logboek","index":0,"n_rows":39,"n_cols":3,"rows_kept":39,"cut":false,"hidden":true,"merged":[]}
["datum",null,"Logboek"]
[null,null,"Nog inbouwen:"]
[]
[]
[]
[]
[]
[]
[null,null,"Ingebouwd in model"]
["2009-01-01",null,"CHF toetsrente op basis van datum"]
[null,null,"igv CHF korter dan 10 jaar"]
[null,null,"oude NHG toetsrente (6%)"]
[null,null,"igv oude NHG toetsrente gelijk of korter dan 5 jaar"]
[null,null,"maximale kostengrens"]
[null,null,"maximale toetsduur??"]
[null,null,"offertedatum"]
[null,null,"Indien igv oude NHG norm rente groter dan 6% dan hogere rente"]
[null,null,"CHF kwartaal toetsrente wordt elk kwartaal ge-update"]
[]
["2009-06-01",null,"kostengrens aangepast naar 350000"]
[null,null,"CHF naar 5,8%"]
["2009-10-01",null,"Toetsrente aangepast"]
[]
[]
[]
[]
[]
[null,null,"Lay Out informatie"]
[null,null,"rood:"]
[null,null,"R: 215"]
[null,null,"G: 25"]
[null,null,"B: 32"]
[]
[null,null,"grijs"]
[null,null,"R: 209"]
[null,null,"G: 211"]
[null,null,"B: 212"]
[]
[null,null,"nieuwe logo per 1-1-2008 (My Ky levert aan)"]

{"sheet":"Rekenmodel","index":1,"n_rows":138,"n_cols":28,"rows_kept":138,"cut":false,"hidden":false,"merged":[[113,21,113,23],[23,19,23,22],[26,19,26,22],[32,19,32,22],[33,19,33,22],[31,19,31,22],[29,19,29,22],[28,19,28,22],[51,26,51,27],[34,19,34,22],[43,19,43,22],[36,19,36,22],[45,19,45,22],[42,19,42,22],[5,6,5,8],[14,19,14,22],[11,24,11,25],[5,19,5,22],[7,19,7,22],[8,19,8,22],[9,19,9,22],[11,19,11,22],[42,4,42,5],[18,19,18,22],[21,19,21,22],[31,12,32,12],[41,19,41,22],[33,12,40,12],[41,8,41,12],[26,12,27,12],[24,19,24,22],[19,19,19,22],[27,19,27,22],[12,19,12,22],[11,12,12,12],[17,19,17,22],[16,12,17,12],[22,19,22,22],[21,12,22,12],[16,19,16,22],[97,18,100,18],[101,18,104,18],[105,18,108,18],[42,8,43,12],[13,19,13,22]]}
[]
[]
[{"$nulls":18},{"$f":"IF(AND(G8<39173,G15>0,G15<60),$M$12,G14)","v":0}]
[{"$nulls":20},"er is een waarschuwingsregel opgenomen"]
[]
[null,null,null,"Referentie",{"$nulls":15},"bepaling waarschuwingsmeldingen"]
[]
[null,null,null,"Datum van offreren                                 (dd-mm-jjjj)",{"$nulls":4},{"$f":"IF(G8=\"\",NOW(),G8)","v":"2020-04-24T15:20:21.100"},{"$nulls":10},{"$f":"IF(I8<U55,\"De offertedatum ligt voor invoering AFM-toetrente\",\"\" )","v":""},{"$nulls":4},false]
[]
[null,null,null,"Omschrijving leningdeel",null,null,"Invulvelden",null,"Rekenen met",null,null,null,"AFM toetsrente",{"$nulls":11},true,"Vinkje waar / onwaar verwijderd. Met indien onwaar toetst het programma bij kortere rentevast perioden altijd met de AFM rente. Ook als de rente hoger ligt dan de AFM. "]
[]
[null,null,null,"Hoofdsom 1",{"$nulls":4},{"$f":"IF(G15=0,0,G12)","v":0},null,null,null,{"$f":"IF($I$8<$U$55,\"n.v.t.\",X110)","v":0.05},{"$nulls":6},{"$f":"IF(J14=\"AFM\",\"/Aan leningdeel 1 is de AFM-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},"bepaling toetsrentes"]
[null,null,null,"Resterende looptijd 1",null,null,null,"mnd",{"$f":"IF(H13=\"mnd\",G13,G13*12)","v":0},"mnd",null,null,null," ",{"$nulls":5},{"$f":"IF(I13>360,\"/ Looptijd leningdeel 1 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G15>0,IF(AND(I15<120,G12>0,G13>0,$I$8>$V$54),$M$12,G14),0)","v":0},"AFM"]
[null,null,null,"Rentepercentage 1",{"$nulls":4},{"$f":"IF(G12=\"\",G14,IF(AND($G$8<39173,G15<=60),$M$17,IF(AND($G$8<39173,G15>60),G14,IF(AND($G$8>39172,G15<120),$M$12,G14))))","v":0},{"$f":"IF(AND(I14=$M$12,I14>0,$I$8>$V$54),\"AFM\",IF(AND(I14=$M$17,I14>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$nulls":9},{"$f":"IF(J14=\"NHG\",\"/Aan leningdeel 1 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G15>0,IF(AND(I15<61,G12>0,G13>0,$I$8<$V$54),IF(G14>6%,G14,$M$17),G14),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,null,"mnd",{"$f":"IF(H15=\"mnd\",G15,G15*12)","v":0},"mnd",null,null,"NHG-toetsrente",{"$nulls":6},{"$f":"IF(AND(I13>0,I15>I13),\"/ De resterende rentevastperiode leningdeel 1 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G14>$M$12,G15<120),G14,0)","v":0},"Bank AFM"]
[]
[null,null,null,"Hoofdsom 2",{"$nulls":4},{"$f":"IF(G20=0,0,G17)","v":0},null,null,null,{"$f":"IF($I$8>V54,\"n.v.t.\",6%)","v":"n.v.t."},{"$nulls":6},{"$f":"IF(J19=\"AFM\",\"/Aan leningdeel 2 is de AFM-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 2",null,null,null,"mnd",{"$f":"IF(H18=\"mnd\",G18,G18*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I18>360,\"/ Looptijd leningdeel 2 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G20>0,IF(AND(I20<120,G17>0,G18>0,$I$8>$V$54),$M$12,G19),0)","v":0},"AFM"]
[null,null,null,"Rentepercentage 2",{"$nulls":4},{"$f":"IF(G17=\"\",G19,IF(AND($G$8<39173,G20<=60),$M$17,IF(AND($G$8<39173,G20>60),G19,IF(AND($G$8>39172,G20<120),$M$12,G19))))","v":0},{"$f":"IF(AND(I19=$M$12,I19>0,$I$8>$V$54),\"AFM\",IF(AND(I19=$M$17,I19>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y20>0),\"perc.GG\",\"\" )","v":""},{"$nulls":8},{"$f":"IF(J19=\"NHG\",\"/Aan leningdeel 2 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G20>0,IF(AND(I20<61,G17>0,G18>0,$I$8<$V$54),IF(G19>6%,G19,$M$17),G19),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,null,"mnd",{"$f":"IF(H20=\"mnd\",G20,G20*12)","v":0},"mnd",null,null,"Ann.factor(tabel)",{"$nulls":6},{"$f":"IF(I20>I18,\"/ De resterende rentevastperiode van leningdeel 2 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G19>$M$12,G20<120),G19,0)","v":0},"Bank AFM"]
[]
[null,null,null,"Hoofdsom 3",{"$nulls":4},{"$f":"IF(G25=0,0,G22)","v":0},null,null,null,{"$f":"IF(I37=0,\"\",S138)","v":""},{"$nulls":6},{"$f":"IF(J24=\"AFM\",\"/Aan leningdeel 3 is de AFM-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 3",null,null,null,"mnd",{"$f":"IF(H23=\"mnd\",G23,G23*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I23>360,\"/ Looptijd leningdeel 3 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G25>0,IF(AND(I25<120,G22>0,G23>0,$I$8>$V$54),$M$12,G24),0)","v":0},"AFM"]
[null,null,null,"Rentepercentage 3",{"$nulls":4},{"$f":"IF(G22=\"\",G24,IF(AND($G$8<39173,G25<=60),$M$17,IF(AND($G$8<39173,G25>60),G24,IF(AND($G$8>39172,G25<120),$M$12,G24))))","v":0},{"$f":"IF(AND(I24=$M$12,I24>0,$I$8>$V$54),\"AFM\",IF(AND(I24=$M$17,I24>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y25>0),\"perc.GG\",\"\" )","v":""},{"$nulls":8},{"$f":"IF(J24=\"NHG\",\"/Aan leningdeel 3 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G25>0,IF(AND(I25<61,G22>0,G23>0,$I$8<$V$54),IF(G24>6%,G24,$M$17),G24),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,null,"mnd",{"$f":"IF(H25=\"mnd\",G25,G25*12)","v":0},"mnd",null,null,"Totale lening",{"$nulls":6},{"$f":"IF(I25>I23,\"/ De resterende rentevastperiode van leningdeel 3 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G24>$M$12,G25<120),G24,0)","v":0},"Bank AFM"]
[]
[null,null,null,"Hoofdsom 4",{"$nulls":4},{"$f":"IF(G30=0,0,G27)","v":0},null,null,null,{"$f":"G51","v":0},{"$nulls":6},{"$f":"IF(J29=\"AFM\",\"/Aan leningdeel 4 is de AFM-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 4",null,null,null,"mnd",{"$f":"IF(H28=\"mnd\",G28,G28*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I28>360,\"/ Looptijd leningdeel 4 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G30>0,IF(AND(I30<120,G27>0,G28>0,$I$8>$V$54),$M$12,G29),0)","v":0},"AFM"]
[null,null,null,"Rentepercentage 4",{"$nulls":4},{"$f":"IF(G27=\"\",G29,IF(AND($G$8<39173,G30<=60),$M$17,IF(AND($G$8<39173,G30>60),G29,IF(AND($G$8>39172,G30<120),$M$12,G29))))","v":0},{"$f":"IF(AND(I29=$M$12,I29>0,$I$8>$V$54),\"AFM\",IF(AND(I29=$M$17,I29>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y30>0),\"perc.GG\",\"\" )","v":""},{"$nulls":8},{"$f":"IF(J29=\"NHG\",\"/Aan leningdeel 4 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G30>0,IF(AND(I30<61,G27>0,G28>0,$I$8<$V$54),IF(G29>6%,G29,$M$17),G29),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,null,"mnd",{"$f":"IF(H30=\"mnd\",G30,G30*12)","v":0},"mnd",null,null,"Gew.gem.toetsrente",{"$nulls":6},{"$f":"IF(I30>I28,\"/ De resterende renstevastperiode van leningdeel 4 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G29>$M$12,G30<120),G29,0)","v":0},"Bank AFM"]
[]
[null,null,null,"Hoofdsom 5",{"$nulls":4},{"$f":"IF(G35=0,0,G32)","v":0},null,null,null,{"$f":"IF(AND(T42=\"\",M27<350001),I37,0)","v":0},{"$nulls":6},{"$f":"IF(J34=\"AFM\",\"/Aan leningdeel 5 is de AFM-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 5",null,null,null,"mnd",{"$f":"IF(H33=\"mnd\",G33,G33*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I33>360,\"/ Looptijd leningdeel 5 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G35>0,IF(AND(I35<120,G32>0,G33>0,$I$8>$V$54),$M$12,G34),0)","v":0},"AFM"]
[null,null,null,"Rentepercentage 5",{"$nulls":4},{"$f":"IF(G32=\"\",G34,IF(AND($G$8<39173,G35<=60),$M$17,IF(AND($G$8<39173,G35>60),G34,IF(AND($G$8>39172,G35<120),$M$12,G34))))","v":0},{"$f":"IF(AND(I34=$M$12,I34>0,$I$8>$V$54),\"AFM\",IF(AND(I34=$M$17,I34>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y35>0),\"perc.GG\",\"\" )","v":""},null,{"$f":"M32","v":0},{"$nulls":6},{"$f":"IF(J34=\"NHG\",\"/Aan leningdeel 5 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G35>0,IF(AND(I35<61,G32>0,G33>0,$I$8<$V$54),IF(G34>6%,G34,$M$17),G34),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,null,"mnd",{"$f":"IF(H35=\"mnd\",G35,G35*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I35>I33,\"/De resterende rentevastperiode van leningdeel 5 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G34>$M$12,G35<120),G34,0)","v":0},"Bank AFM"]
[]
[{"$nulls":8},{"$f":"IF(G15+G20+G25+G30+G35=0,0,+((I12*I13*I14)+(I17*I18*I19)+(I22*I23*I24)+(I27*I28*I29)+(I32*I33*I34))/((I12*I13)+(I17*I18)+(I22*I23)+(I27*I28)+(I32*I33)))","v":0}]
[null,null,null,"Ann. Factor (Tabel)",{"$nulls":4},{"$f":"+(G12+G17+G22+G27+G32)/I39","v":{"$error":"#NUM!"}}]
[null,null,null,"Toegestane maandlast",{"$nulls":4},{"$f":"PMT(I37/12,(I13),(I12+I17+I22+I27+I32))*-1","v":{"$error":"#NUM!"}}]
[null,null,null,"Annuiteitenfactor ",{"$nulls":4},{"$f":"+I39/(I12+I17+I22+I27+I32)","v":{"$error":"#NUM!"}}]
[]
[{"$nulls":8},{"$f":"IF(I43<>\"\",\"Melding\",\"\")","v":""},{"$nulls":10},{"$f":"IF(AND($I$8>V55,M12=0),\"/ De offertedatum ligt na het eerstvolgende herzieningsmoment van de AFM-toetsrente. Het bepalen van de gewogen gemiddelde toetsrente is niet mogelijk\",\"\")","v":""}]
[null,null,null,{"$f":"IF(AND(G8=\"\",G53>0,G43<>\"ja\"),\"Klopt uw offertedatum?       \",\"\")","v":""},null,null,"ja",null,{"$f":"CONCATENATE(T8,T10,T12,T13,T14,T15,T17,T18,T19,T20,T22,T23,T24,T25,T27,T28,T29,T30,T32,T33,T34,T35,T42,T43,T44,T46)","v":""},{"$nulls":10},{"$f":"IF(G43=\"nee\",\"/De juiste offertedatum is benodigd voor het bepalen van de gemiddelde gewogen toetsrente\",\"\")","v":""}]
[null,null,null,"Uitgiftedatum 20 april 2020. Eerder uitgegeven versies komen met de uitgifte van deze versie te vervallen.",{"$nulls":19},"*Aanpassen als max NHG bedrag wijzigt"]
[]
[{"$nulls":19},{"$f":"IF(AND(G12>0,G13>0,G14>0,G15>0,T42=\"\",T43=\"\",T44=\"\"),\"/ De gewogen gemiddelde toetsrente dient u in te vullen in het toetsprogramma op het tabblad 'Lening'\",\"\")","v":""}]
[]
[]
[]
[{"$nulls":6},"Totaal lening",null,"bepalen of ergens AFM toetsrente wordt gebruikt"]
[{"$nulls":6},{"$f":"G12+G17+G22+G27+G32","v":0},null,{"$f":"OR(J14=\"AFM\",J19=\"AFM\",J24=\"AFM\",J29=\"AFM\",J34=\"AFM\")","v":false},{"$nulls":10},"toetsrente tabel AFM"]
[{"$nulls":6},"controleveld of G kolom is gevuld",{"$nulls":11},"jaar","kwartaal","begin","einde","geldende toetsrente",null,null,null,"keuzecellen"]
[{"$nulls":6},{"$f":"SUM(G12:G35)","v":0},{"$nulls":11},2006,"Q4",null,"2006-12-31",0.06,null,null,null,"mnd","ja"]
[{"$nulls":18},2007,"Q1","2007-01-01","2007-03-31",0.06,{"$f":"IF($I$8>V54,0,W54)","v":0},null,null,"jaar","nee"]
[{"$nulls":19},"Q2","2007-04-01","2007-06-30",4.9000000000000002E-2,{"$f":"IF(AND($I$8>V54,$I$8<U56),W55,0)","v":0}]
[{"$nulls":19},"Q3","2007-07-01","2007-09-30",5.2999999999999999E-2,0]
[{"$nulls":19},"Q4","2007-10-01","2007-12-31",5.2999999999999999E-2,0]
[{"$nulls":18},2008,"Q1","2008-01-01","2008-03-31",5.2999999999999999E-2,0]
[{"$nulls":19},"Q2","2008-04-01","2008-06-30",5.2999999999999999E-2,0]
[{"$nulls":19},"Q3","2008-07-01","2008-09-30",5.6000000000000001E-2,0]
[{"$nulls":19},"Q4","2008-10-01","2008-12-31",5.6000000000000001E-2,0]
[{"$nulls":18},2009,"Q1","2009-01-01","2009-03-31",5.6000000000000001E-2,0]
[null,null,null,"Als de datum kleiner dan 1 april 2007en rentevast korter dan 60 maanden dan NHG  toetsrente",{"$nulls":15},"Q2","2009-04-01","2009-06-30",5.6000000000000001E-2,0]
[null,null,null,"Als de datum kleiner dan 1 april 2007: NHG toets en rentevast groter/gelijk aan 60 maanden dan werkelijke rente",{"$nulls":15},"Q3","2009-07-01","2009-09-30",5.8000000000000003E-2,0]
[null,null,null,"Als de datum groter/gelijk aan 1 april 2007en rentevast korter dan 120 maanden dan AFM  toetsrente",{"$nulls":15},"Q4","2009-10-01","2009-12-31",5.8000000000000003E-2,0]
[null,null,null,"Als de datum groter/gelijk aan 1 april 2007en rentevast groet/gelijk aan 120 maanden dan werkelijke rente",{"$nulls":14},2010,"Q1","2010-01-01","2010-03-31",5.8000000000000003E-2,0]
[{"$nulls":19},"Q2","2010-04-01","2010-06-30",5.8000000000000003E-2,0]
[null,null,null,{"$f":"IF(AND(G8<39173,G15<60),\"NHGtoetsrente\",IF(AND(G8<39173,G15>59),\"daadwerlkelijke rente\",IF(AND(G8>39172,G15<120),\"AFM\",\"werkelijke rente\")))","v":"NHGtoetsrente"},{"$nulls":15},"Q3","2010-07-01","2010-09-30",5.3999999999999999E-2,{"$f":"IF(AND($I$8>V67,$I$8<U69),W68,0)","v":0}]
[{"$nulls":19},"Q4","2010-10-01","2010-12-31",4.9000000000000002E-2,0]
[{"$nulls":18},2011,"Q1","2011-01-01","2011-03-31",5.1999999999999998E-2,0]
[{"$nulls":19},"Q2","2011-04-01","2011-06-30",5.8000000000000003E-2,0]
[{"$nulls":19},"Q3","2011-07-01","2011-09-30",5.7000000000000002E-2,0]
[{"$nulls":19},"Q4","2011-10-01","2011-12-31",5.3999999999999999E-2,0]
[{"$nulls":18},2012,"Q1","2012-01-01","2012-03-31",5.6000000000000001E-2,0]
[{"$nulls":19},"Q2","2012-04-01","2012-06-30",5.6000000000000001E-2,0]
[{"$nulls":19},"Q3","2012-07-01","2012-09-30",5.3999999999999999E-2,0]
[{"$nulls":19},"Q4","2012-10-01","2012-12-31",5.3999999999999999E-2,0]
[{"$nulls":18},2013,"Q1","2013-01-01","2013-03-31",5.2999999999999999E-2,0]
[{"$nulls":19},"Q2","2013-04-01","2013-06-30",5.2999999999999999E-2,0]
[{"$nulls":19},"Q3","2013-07-01","2013-09-30",0.05,0]
[{"$nulls":19},"Q4","2013-10-01","2013-12-31",0.05,0]
[{"$nulls":18},2014,"Q1","2014-01-01","2014-03-31",0.05,{"$f":"IF(AND($I$8>V81,$I$8<U83),W82,0)","v":0}]
[{"$nulls":19},"Q2","2014-04-01","2014-06-30",0.05,{"$f":"IF(AND($I$8>V82,$I$8<U84),W83,0)","v":0}]
[{"$nulls":19},"Q3","2014-07-01","2014-09-30",0.05,0]
[{"$nulls":19},"Q4","2014-10-01","2014-12-31",0.05,0]
[{"$nulls":18},2015,"Q1","2015-01-01","2015-03-31",0.05,0]
[{"$nulls":19},"Q2","2015-04-01","2015-06-30",0.05,0]
[{"$nulls":19},"Q3","2015-07-01","2015-09-30",0.05,0]
[{"$nulls":19},"Q4","2015-10-01","2015-12-31",0.05,{"$f":"IF(AND($I$8>V88,$I$8<U90),W89,0)","v":0}]
[{"$nulls":18},2016,"Q1","2016-01-01","2016-03-31",0.05,{"$f":"IF(AND($I$8>V89,$I$8<U91),W90,0)","v":0}]
[{"$nulls":19},"Q2","2016-04-01","2016-06-30",0.05,{"$f":"IF(AND($I$8>V90,$I$8<U92),W91,0)","v":0}]
[{"$nulls":19},"Q3","2016-07-01","2016-09-30",0.05,{"$f":"IF(AND($I$8>V91,$I$8<U93),W92,0)","v":0}]
[{"$nulls":19},"Q4","2016-10-01","2016-12-31",0.05,{"$f":"IF(AND($I$8>V92,$I$8<U94),W93,0)","v":0}]
[{"$nulls":18},2017,"Q1","2017-01-01","2017-03-31",0.05,0]
[{"$nulls":19},"Q2","2017-04-01","2017-06-30",0.05,0]
[{"$nulls":19},"Q3","2017-07-01","2017-09-30",0.05,0]
[{"$nulls":19},"Q4","2017-10-01","2017-12-31",0.05,0]
[{"$nulls":18},2018,"Q1","2018-01-01","2018-03-31",0.05,0]
[{"$nulls":19},"Q2","2018-04-01","2018-06-30",0.05,0]
[{"$nulls":19},"Q3","2018-07-01","2018-09-30",0.05,0]
[{"$nulls":19},"Q4","2018-10-01","2018-12-31",0.05,0]
[{"$nulls":18},2019,"Q1","2019-01-01","2019-03-31",0.05,0]
[{"$nulls":19},"Q2","2019-04-01","2019-06-30",0.05,0]
[{"$nulls":19},"Q3","2019-07-01","2019-09-30",0.05,0]
[{"$nulls":19},"Q4","2019-10-01","2019-12-31",0.05,0]
[{"$nulls":18},2020,"Q1","2020-01-01","2020-03-31",0.05,0]
[{"$nulls":19},"Q2","2020-04-01","2020-06-30",0.05,0.05]
[{"$nulls":19},"Q3","2020-07-01","2020-09-30",0.05,0]
[{"$nulls":19},"Q4","2020-10-01","2020-12-31",0.05,0]
[{"$nulls":19},"gebruikte AFM toetsrente",null,null,null,{"$f":"SUM(X54:X109)","v":0.05}]
[{"$nulls":21},"geldende toetsrente bij offertedatum"]
[{"$nulls":21},"introductiedatum GHF toetsrente"]
[{"$nulls":21},"Invulvelden voor AFM toetsrente"]
[{"$nulls":21},"Introductie AFM toetsrente"]
{"$rows_empty":7}
[{"$nulls":18},"bepaling langste looptijd"]
[]
[{"$nulls":18},"ld01",{"$f":"I13","v":0}]
[{"$nulls":18},"ld02",{"$f":"I18","v":0}]
[{"$nulls":18},"ld03",{"$f":"I23","v":0}]
[{"$nulls":18},"ld04",{"$f":"I28","v":0}]
[{"$nulls":18},"ld05",{"$f":"I33","v":0}]
[{"$nulls":18},"langste looptijd",{"$f":"LARGE(T124:T128,1)","v":0}]
[]
[{"$nulls":18},"Toegestane maandlast"]
[{"$nulls":18},{"$f":"PMT(I37/12,(T129),(I12+I17+I22+I27+I32))*-1","v":{"$error":"#NUM!"}}]
[]
[{"$nulls":18},"ann.factor"]
[{"$nulls":18},{"$f":"+S132/(I12+I17+I22+I27+I32)","v":{"$error":"#NUM!"}}]
[]
[{"$nulls":18},"ann.factor(tabel)"]
[{"$nulls":18},{"$f":"(I12+I17+I22+I27+I32)/S132","v":{"$error":"#NUM!"}}]

{"sheet":"printversie","index":2,"n_rows":106,"n_cols":28,"rows_kept":106,"cut":false,"hidden":false,"merged":[[45,19,45,22],[51,26,51,27],[41,8,41,12],[41,19,41,22],[42,4,42,5],[42,8,43,12],[42,19,42,22],[43,19,43,22],[19,19,19,22],[21,12,22,12],[21,19,21,22],[22,19,22,22],[33,12,40,12],[33,19,33,22],[34,19,34,22],[36,19,36,22],[28,19,28,22],[29,19,29,22],[31,12,32,12],[31,19,31,22],[32,19,32,22],[23,19,23,22],[24,19,24,22],[26,12,27,12],[26,19,26,22],[27,19,27,22],[16,12,17,12],[16,19,16,22],[17,19,17,22],[18,19,18,22],[11,24,11,25],[12,19,12,22],[13,19,13,22],[14,19,14,22],[8,19,8,22],[9,19,9,22],[11,12,12,12],[11,19,11,22],[2,1,2,15],[5,6,5,8],[5,19,5,22],[7,19,7,22]]}
[]
[]
[]
[{"$nulls":20},"er is een waarschuwingsregel opgenomen"]
[]
[null,null,null,"Referentie",null,null,{"$f":"IF(Rekenmodel!G6=\"\",\"\",Rekenmodel!G6)","v":""},{"$nulls":12},"bepaling waarschuwingsmeldingen"]
[]
[null,null,null,"Datum van offreren                                 (dd-mm-jjjj)",null,null,{"$f":"IF(Rekenmodel!G8=\"\",\"\",Rekenmodel!G8)","v":""},null,{"$f":"IF(Rekenmodel!G8=\"\",NOW(),G8)","v":"2020-04-24T15:20:21.100"},{"$nulls":10},{"$f":"IF(I8<U55,\"De offertedatum ligt voor invoering CHF-toetrente\",\"\" )","v":""},{"$nulls":4},false]
[null,null,null,"Berekening t.b.v. ontslag uit de hoofdelijke aansprakelijkheid"]
[null,null,null,"Omschrijving leningdeel",null,null,"Invulvelden",null,"Rekenen met",null,null,null,"AFM-toetsrente",{"$nulls":6},{"$f":"IF(Y8=TRUE,\"I.v.m berekening t.b.v. ontslag uit de hoofdelijke aansprakelijkheid, wordt er getoetst op basis van werkelijke rente\",\"\")","v":""},{"$nulls":4},true,"Vinkje waar / onwaar verwijderd. Met indien onwaar toetst het programma bij kortere rentevast perioden altijd met de chf rente. Ook als de rente hoger ligt dan de CHF. "]
[]
[null,null,null,"Hoofdsom 1",null,null,{"$f":"Rekenmodel!G12","v":0},null,{"$f":"IF(G15=0,0,G12)","v":0},null,null,null,{"$f":"Rekenmodel!M12","v":0.05},{"$nulls":6},{"$f":"IF(J14=\"CHF\",\"/Aan leningdeel 1 is de CHF-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},"bepaling toetsrentes"]
[null,null,null,"Resterende looptijd 1",null,null,{"$f":"Rekenmodel!G13","v":0},"mnd",{"$f":"IF(H13=\"mnd\",G13,G13*12)","v":0},"mnd",null,null,null," ",{"$nulls":5},{"$f":"IF(I13>360,\"/ Looptijd leningdeel 1 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G15>0,IF(AND(I15<120,G12>0,G13>0,$I$8>$V$54),$M$12,G14),0)","v":0},"CHF"]
[null,null,null,"Rentepercentage 1",null,null,{"$f":"Rekenmodel!G14","v":0},null,{"$f":"IF($Y$8=TRUE,G14,IF($I$8>$V$54,IF(Y15>0,Y15,Y13),Y14))","v":0},{"$f":"IF(AND(I14=$M$12,I14>0,$I$8>$V$54),\"CHF\",IF(AND(I14=$M$17,I14>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y15>0),\"perc.GG\",\"\" )","v":""},{"$nulls":8},{"$f":"IF(J14=\"NHG\",\"/Aan leningdeel 1 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G15>0,IF(AND(I15<61,G12>0,G13>0,$I$8<$V$54),IF(G14>6%,G14,$M$17),G14),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,{"$f":"Rekenmodel!G15","v":0},"mnd",{"$f":"IF(H15=\"mnd\",G15,G15*12)","v":0},"mnd",null,null,"NHG-toetsrente",{"$nulls":6},{"$f":"IF(AND(I13>0,I15>I13),\"/ De resterende rentevastperiode leningdeel 1 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G14>$M$12,G15<120),G14,0)","v":0},"Bank CHF"]
[]
[null,null,null,"Hoofdsom 2",null,null,{"$f":"Rekenmodel!G17","v":0},null,{"$f":"IF(G20=0,0,G17)","v":0},null,null,null,{"$f":"IF($I$8>V54,\"n.v.t.\",6%)","v":"n.v.t."},{"$nulls":6},{"$f":"IF(J19=\"CHF\",\"/Aan leningdeel 2 is de CHF-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 2",null,null,{"$f":"Rekenmodel!G18","v":0},"mnd",{"$f":"IF(H18=\"mnd\",G18,G18*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I18>360,\"/ Looptijd leningdeel 2 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G20>0,IF(AND(I20<120,G17>0,G18>0,$I$8>$V$54),$M$12,G19),0)","v":0},"CHF"]
[null,null,null,"Rentepercentage 2",null,null,{"$f":"Rekenmodel!G19","v":0},null,{"$f":"IF($Y$8=TRUE,G19,IF($I$8>$V$54,IF(Y20>0,Y20,Y18),Y19))","v":0},{"$f":"IF(AND(I19=$M$12,I19>0,$I$8>$V$54),\"AFM\",IF(AND(I19=$M$17,I19>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y20>0),\"perc.GG\",\"\" )","v":""},{"$nulls":8},{"$f":"IF(J19=\"NHG\",\"/Aan leningdeel 2 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G20>0,IF(AND(I20<61,G17>0,G18>0,$I$8<$V$54),IF(G19>6%,G19,$M$17),G19),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,{"$f":"Rekenmodel!G20","v":0},"mnd",{"$f":"IF(H20=\"mnd\",G20,G20*12)","v":0},"mnd",null,null,"Ann.factor(tabel)",{"$nulls":6},{"$f":"IF(I20>I18,\"/ De resterende rentevastperiode van leningdeel 2 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G19>$M$12,G20<120),G19,0)","v":0},"Bank CHF"]
[]
[null,null,null,"Hoofdsom 3",null,null,{"$f":"Rekenmodel!G22","v":0},null,{"$f":"IF(G25=0,0,G22)","v":0},null,null,null,{"$f":"IF(I37=0,\"\",S106)","v":""},{"$nulls":6},{"$f":"IF(J24=\"CHF\",\"/Aan leningdeel 3 is de CHF-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 3",null,null,{"$f":"Rekenmodel!G23","v":0},"mnd",{"$f":"IF(H23=\"mnd\",G23,G23*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I23>360,\"/ Looptijd leningdeel 3 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G25>0,IF(AND(I25<120,G22>0,G23>0,$I$8>$V$54),$M$12,G24),0)","v":0},"CHF"]
[null,null,null,"Rentepercentage 3",null,null,{"$f":"Rekenmodel!G24","v":0},null,{"$f":"IF($Y$8=TRUE,G24,IF($I$8>$V$54,IF(Y25>0,Y25,Y23),Y24))","v":0},{"$f":"IF(AND(I24=$M$12,I24>0,$I$8>$V$54),\"CHF\",IF(AND(I24=$M$17,I24>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y25>0),\"perc.GG\",\"\" )","v":""},{"$nulls":8},{"$f":"IF(J24=\"NHG\",\"/Aan leningdeel 3 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G25>0,IF(AND(I25<61,G22>0,G23>0,$I$8<$V$54),IF(G24>6%,G24,$M$17),G24),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,{"$f":"Rekenmodel!G25","v":0},"mnd",{"$f":"IF(H25=\"mnd\",G25,G25*12)","v":0},"mnd",null,null,"Totale lening",{"$nulls":6},{"$f":"IF(I25>I23,\"/ De resterende rentevastperiode van leningdeel 3 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G24>$M$12,G25<120),G24,0)","v":0},"Bank CHF"]
[]
[null,null,null,"Hoofdsom 4",null,null,{"$f":"Rekenmodel!G27","v":0},null,{"$f":"IF(G30=0,0,G27)","v":0},null,null,null,{"$f":"G51","v":0},{"$nulls":6},{"$f":"IF(J29=\"CHF\",\"/Aan leningdeel 4 is de CHF-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 4",null,null,{"$f":"Rekenmodel!G28","v":0},"mnd",{"$f":"IF(H28=\"mnd\",G28,G28*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I28>360,\"/ Looptijd leningdeel 4 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G30>0,IF(AND(I30<120,G27>0,G28>0,$I$8>$V$54),$M$12,G29),0)","v":0},"CHF"]
[null,null,null,"Rentepercentage 4",null,null,{"$f":"Rekenmodel!G29","v":0},null,{"$f":"IF($Y$8=TRUE,G29,IF($I$8>$V$54,IF(Y30>0,Y30,Y28),Y29))","v":0},{"$f":"IF(AND(I29=$M$12,I29>0,$I$8>$V$54),\"CHF\",IF(AND(I29=$M$17,I29>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y30>0),\"perc.GG\",\"\" )","v":""},{"$nulls":8},{"$f":"IF(J29=\"NHG\",\"/Aan leningdeel 4 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G30>0,IF(AND(I30<61,G27>0,G28>0,$I$8<$V$54),IF(G29>6%,G29,$M$17),G29),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,{"$f":"Rekenmodel!G30","v":0},"mnd",{"$f":"IF(H30=\"mnd\",G30,G30*12)","v":0},"mnd",null,null,"Gew.gem.toetsrente",{"$nulls":6},{"$f":"IF(I30>I28,\"/ De resterende renstevastperiode van leningdeel 4 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G29>$M$12,G30<120),G29,0)","v":0},"Bank CHF"]
[]
[null,null,null,"Hoofdsom 5",null,null,{"$f":"Rekenmodel!G32","v":0},null,{"$f":"IF(G35=0,0,G32)","v":0},null,null,null,{"$f":"Rekenmodel!M32","v":0},{"$nulls":6},{"$f":"IF(J34=\"CHF\",\"/Aan leningdeel 5 is de CHF-toetsrente toegekend\",\"\")","v":""}]
[null,null,null,"Resterende looptijd 5",null,null,{"$f":"Rekenmodel!G33","v":0},"mnd",{"$f":"IF(H33=\"mnd\",G33,G33*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I33>360,\"/ Looptijd leningdeel 5 is langer dan 30 jaar\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G35>0,IF(AND(I35<120,G32>0,G33>0,$I$8>$V$54),$M$12,G34),0)","v":0},"CHF"]
[null,null,null,"Rentepercentage 5",null,null,{"$f":"Rekenmodel!G34","v":0},null,{"$f":"IF($Y$8=TRUE,G34,IF($I$8>$V$54,IF(Y35>0,Y35,Y33),Y34))","v":0},{"$f":"IF(AND(I34=$M$12,I34>0,$I$8>$V$54),\"CHF\",IF(AND(I34=$M$17,I34>0,$I$8<$U$55),\"NHG\",\"\"))","v":""},{"$f":"IF(OR($Y$8=TRUE,Y35>0),\"perc.GG\",\"\" )","v":""},null,{"$f":"M32","v":0},{"$nulls":6},{"$f":"IF(J34=\"NHG\",\"/Aan leningdeel 5 is de NHG-toetsrente toegekend\",\"\")","v":""},{"$nulls":4},{"$f":"IF(G35>0,IF(AND(I35<61,G32>0,G33>0,$I$8<$V$54),IF(G34>6%,G34,$M$17),G34),0)","v":0},"NHG"]
[null,null,null,"(Resterende) rentevastperiode",null,null,{"$f":"Rekenmodel!G35","v":0},"mnd",{"$f":"IF(H35=\"mnd\",G35,G35*12)","v":0},"mnd",{"$nulls":9},{"$f":"IF(I35>I33,\"/De resterende rentevastperiode van leningdeel 5 is te lang\",\"\")","v":""},{"$nulls":4},{"$f":"IF(AND(Y10=TRUE,G34>$M$12,G35<120),G34,0)","v":0},"Bank CHF"]
[]
[{"$nulls":8},{"$f":"IF(G15+G20+G25+G30+G35=0,0,+((I12*I13*I14)+(I17*I18*I19)+(I22*I23*I24)+(I27*I28*I29)+(I32*I33*I34))/((I12*I13)+(I17*I18)+(I22*I23)+(I27*I28)+(I32*I33)))","v":0}]
[null,null,null,"Ann. Factor (Tabel)",{"$nulls":4},{"$f":"+(G12+G17+G22+G27+G32)/I39","v":{"$error":"#NUM!"}}]
[null,null,null,"Toegestane maandlast",{"$nulls":4},{"$f":"PMT(I37/12,(I13),(I12+I17+I22+I27+I32))*-1","v":{"$error":"#NUM!"}}]
[null,null,null,"Annuiteitenfactor ",{"$nulls":4},{"$f":"+I39/(I12+I17+I22+I27+I32)","v":{"$error":"#NUM!"}}]
[]
[{"$nulls":8},{"$f":"IF(I43<>\"\",\"Melding\",\"\")","v":""},{"$nulls":10},{"$f":"IF(AND($I$8>V55,M12=0),\"/ De offertedatum ligt na het eerstvolgende herzieningsmoment van de CHF-toetsrente. Het bepalen van de gewogen gemiddelde toetsrente is niet mogelijk\",\"\")","v":""}]
[{"$nulls":8},{"$f":"Rekenmodel!I43","v":""},{"$nulls":10},{"$f":"IF(G43=\"nee\",\"/De juiste offertedatum is benodigd voor het bepalen van de gemiddelde gewogen toetsrente\",\"\")","v":""}]
[null,null,null,{"$f":"Rekenmodel!D44","v":"Uitgiftedatum 20 april 2020. Eerder uitgegeven versies komen met de uitgifte van deze versie te vervallen."},{"$nulls":15},{"$f":"IF(G51>350000,\"/ Lening boven de kostengrens, geen NHG mogelijk!\",IF(AND(G51>265000,G51<350001),\"/Let op! De kostengrens voor een nieuwe lening in verband met kwaliteitsverbetering (Norm 3.1) en een aanvullende lening in verband met kwaliteitsverbetering (Norm 3.2) bedraagt 265.000 euro.\",\"\"))","v":""},null,null,null,"*Aanpassen als max NHG bedrag wijzigt"]
[]
[{"$nulls":19},{"$f":"IF(AND(G12>0,G13>0,G14>0,G15>0,T42=\"\",T43=\"\",T44=\"\"),\"/ De gewogen gemiddelde toetsrente dient u in te vullen in het toetsprogramma op het tabblad 'Lening'\",\"\")","v":""}]
[]
[]
[]
[{"$nulls":6},"Totaal lening",null,"bepalen of ergens CHF toetsrente wordt gebruikt"]
[{"$nulls":6},{"$f":"G12+G17+G22+G27+G32","v":0},null,{"$f":"OR(J14=\"CHF\",J19=\"CHF\",J24=\"CHF\",J29=\"CHF\",J34=\"CHF\")","v":false},{"$nulls":10},"toetsrente tabel CHF"]
[{"$nulls":6},"controleveld of G kolom is gevuld",{"$nulls":11},"jaar","kwartaal","begin","einde","geldende toetsrente",null,null,null,"keuzecellen"]
[{"$nulls":6},{"$f":"SUM(G12:G35)","v":0},{"$nulls":11},2006,"Q4",null,"2006-12-31",0.06,null,null,null,"mnd","ja"]
[{"$nulls":18},2007,"Q1","2007-01-01","2007-03-31",0.06,{"$f":"IF($I$8>V54,0,W54)","v":0},null,null,"jaar","nee"]
[{"$nulls":19},"Q2","2007-04-01","2007-06-30",4.9000000000000002E-2,{"$f":"IF(AND($I$8>V54,$I$8<U56),W55,0)","v":0}]
[{"$nulls":19},"Q3","2007-07-01","2007-09-30",5.2999999999999999E-2,0]
[{"$nulls":19},"Q4","2007-10-01","2007-12-31",5.2999999999999999E-2,0]
[{"$nulls":18},2008,"Q1","2008-01-01","2008-03-31",5.2999999999999999E-2,0]
[{"$nulls":19},"Q2","2008-04-01","2008-06-30",5.2999999999999999E-2,0]
[{"$nulls":19},"Q3","2008-07-01","2008-09-30",5.6000000000000001E-2,0]
[{"$nulls":19},"Q4","2008-10-01","2008-12-31",5.6000000000000001E-2,0]
[{"$nulls":18},2009,"Q1","2009-01-01","2009-03-31",5.6000000000000001E-2,0]
[{"$nulls":19},"Q2","2009-04-01","2009-06-30",5.6000000000000001E-2,0]
[{"$nulls":19},"Q3","2009-07-01","2009-09-30",5.8000000000000003E-2,0]
[{"$nulls":19},"Q4","2009-10-01","2009-12-31",5.8000000000000003E-2,0]
[{"$nulls":18},2010,"Q1","2010-01-01","2010-03-31",5.8000000000000003E-2,0]
[{"$nulls":19},"Q2","2010-04-01","2010-06-30",5.8000000000000003E-2,0]
[{"$nulls":19},"Q3","2010-07-01","2010-09-30",5.3999999999999999E-2,{"$f":"IF(AND($I$8>V67,$I$8<U69),W68,0)","v":0}]
[{"$nulls":19},"Q4","2010-10-01","2010-12-31",4.9000000000000002E-2,{"$f":"IF(AND($I$8>V68,$I$8<U70),W69,0)","v":0}]
[{"$nulls":18},2011,"Q1","2011-01-01","2011-03-31",5.1999999999999998E-2,0]
[{"$nulls":19},"Q2","2011-04-01","2011-06-30",5.8000000000000003E-2,0]
[{"$nulls":19},"Q3","2011-07-01","2011-09-30",5.7000000000000002E-2,0]
[{"$nulls":19},"Q4","2011-10-01","2011-12-31",null,0]
[{"$nulls":18},2012,"Q1","2012-01-01","2012-03-31",null,{"$f":"IF(AND($I$8>V73,$I$8<U76),W74,0)","v":0}]
[{"$nulls":19},"Q2","2012-04-01","2012-06-30",null,{"$f":"IF(AND($I$8>V74,$I$8<U77),W75,0)","v":0}]
[{"$nulls":19},"Q3","2012-07-01","2012-09-30",null,{"$f":"IF(AND($I$8>V74,$I$8<U77),W76,0)","v":0}]
[{"$nulls":19},"Q4","2012-10-01","2012-12-31",null,0]
[{"$nulls":19},"gebruikte CHF toetsrente",null,null,null,{"$f":"SUM(X54:X77)","v":0}]
[{"$nulls":21},"geldende toetsrente bij offertedatum"]
[{"$nulls":21},"introductiedatum CHF toetsrente"]
[{"$nulls":21},"Invulvelden voor CHF toetsrente"]
{"$rows_empty":8}
[{"$nulls":18},"bepaling langste looptijd"]
[]
[{"$nulls":18},"ld01",{"$f":"I13","v":0}]
[{"$nulls":18},"ld02",{"$f":"I18","v":0},{"$nulls":5}," "]
[{"$nulls":18},"ld03",{"$f":"I23","v":0}]
[{"$nulls":18},"ld04",{"$f":"I28","v":0}]
[{"$nulls":18},"ld05",{"$f":"I33","v":0}]
[{"$nulls":18},"langste looptijd",{"$f":"LARGE(T92:T96,1)","v":0}]
[]
[{"$nulls":18},"Toegestane maandlast"]
[{"$nulls":18},{"$f":"PMT(I37/12,(T97),(I12+I17+I22+I27+I32))*-1","v":{"$error":"#NUM!"}}]
[]
[{"$nulls":18},"ann.factor"]
[{"$nulls":18},{"$f":"+S100/(I12+I17+I22+I27+I32)","v":{"$error":"#NUM!"}}]
[]
[{"$nulls":18},"ann.factor(tabel)"]
[{"$nulls":18},{"$f":"(I12+I17+I22+I27+I32)/S100","v":{"$error":"#NUM!"}}]

{"sheet":"Gebruiksaanwijzing","index":3,"n_rows":40,"n_cols":2,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
["Gebruiksaanwijzing"]
[]
[1,"Inleiding"]
[null,"In de Online toets en de Kladbloktoets dient een toetsrente te worden ingevuld. Norm 12.3 geeft aan hoe \nmen de toetsrente moet bepalen. De strekking van norm 12.3 is als volgt:"]
[]
[]
[null,"Indien de hypotheekrente van de lening 10 jaar of langer vaststaat, wordt voor de toetsing uitgegaan van de geoffreerde hypotheekrente.\n\nIndien de (resterende) rentevastperiode korter dan 10 jaar is, dient te worden getoetst op de toetsrente van de Gedragscode Hypothecaire Financieringen. \n\nIndien er sprake is van een aanvullende lening en/of meerdere leningdelen, dient de toetsrente als volgt te worden berekend. De rente wordt gewogen op basis van de hoofdsom en de (resterende) looptijd in maanden van elk(e) lening(deel). Deze weging dient als volgt plaats te vinden:\n\n \n (K1*L1*R1)+(K2*L2*R2)+......+(Kn*Ln*Rn) \n\n ----------------------------------------------------------------\n\n     (K1*L1)+(K2*L2)+......+(Kn*Ln) \n\n \n\nwaarbij geldt: \n\nK =              hoofdsom van het leningdeel\n\nL =              (resterende) looptijd van het leningdeel in maanden\n\nR =              toetsrente van het leningdeel \n\n1, 2, ..., n = aantal leningdelen\n\nDe aldus berekende rente dient rekenkundig te worden afgerond op 2 decimalen.\n(bron: norm 12.3 uit de Voorwaarden en Normen)"]
[]
[null,"Voor voorgaande weging is dit model ontwikkeld."]
[]
[2,"Invulinstructies"]
[]
[]
[]
[null,"Referentie"]
[]
[]
[]
[]
[]
[null,"datum van offreren"]
[]
[]
[]
[]
[]
[null,"Omschrijving leningdeel"]
[]
[]
[]
[null,"Hoofdsom"]
[]
[]
[null,"resterende looptijd"]
[]
[]
[null,"rentepercentage"]
[]
[]
[null,"(resterende) rentevastperiode"]