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{"sheet":"Калькулятор","index":0,"n_rows":24,"n_cols":4,"rows_kept":24,"cut":false,"hidden":false,"merged":[[17,0,17,2],[18,0,18,2],[19,0,19,2],[1,0,1,2],[2,0,2,2],[3,0,3,2],[4,0,4,2],[6,0,6,3],[15,0,15,3],[16,0,16,2]]}
["Параметры кредита"]
["Сумма кредита",null,null,16000000]
["Срок в годах",null,null,25]
["Ставка без страховок",null,null,0.05]
["Ежемесячный платеж",null,null,{"$f":"PMT(D4/12,D3*12,-D2)","v":93534.406641276655}]
[]
["Если берете первичку"]
["Страхование жизни и здоровья",null,null,0]
["Ставка со страховкой",null,null,0.01]
["Ежемесячный платеж",null,null,{"$f":"PMT(D9/12,D3*12,-D2)","v":60299.592676889268}]
["Переплата за год при повышенной ставке",null,null,{"$f":"'Переплата без страховки'!D13","v":93534.406641276655}]
["Переплата за год при пониженной ставке",null,null,{"$f":"'Переплата без страховки'!H15","v":157409.66686353905}]
["Заплатите за страховку",null,null,{"$f":"D8","v":0}]
[{"$f":"IF(D11>=D13+D12,\"Страховка выгоднее\",\"Страховка невыгодна\")","v":"Страховка невыгодна"}]
[]
["Если берете вторичку"]
["Страхование жизни и здоровья",null,null,210000]
["Страхование титула",null,null,59000]
["Ставка со страховкой",null,null,0.01]
["Ежемесячный платеж",null,null,{"$f":"PMT(D19/12,D3*12,-D2)","v":60299.592676889268}]
["Переплата за год при повышенной ставке",null,null,{"$f":"'Переплата без страховки'!B15","v":792507.7831607702}]
["Переплата за год при пониженной ставке",null,null,{"$f":"'Переплата без страховки'!N15","v":157409.66686353905}]
["Заплатите за страховки",null,null,{"$f":"D17+D18","v":269000}]
[{"$f":"IF(D21>=D23+D22,\"Страховка выгоднее\",\"Страховка невыгодна\")","v":"Страховка выгоднее"}]

{"sheet":"Переплата без страховки","index":1,"n_rows":15,"n_cols":17,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["Повышенная ставка",{"$nulls":5},"Новостройка",{"$nulls":5},"Вторичка"]
["Месяцы","Проценты","Долг","Платеж","Остаток",null,"Месяцы","Проценты","Долг","Платеж","Остаток",null,"Месяцы","Проценты","Долг","Платеж","Остаток"]
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[3,{"$f":"E4*Калькулятор!$D$4/12","v":66442.302379725923},27092.104261550732,93534.406641276655,15919060.466872668,null,3,{"$f":"K4*Калькулятор!$D$9/12","v":13255.02361896953},47044.56905791974,60299.592676889268,15858983.773705516,null,3,{"$f":"Q4*Калькулятор!$D$19/12","v":13255.02361896953},47044.56905791974,60299.592676889268,15858983.773705516]
[4,{"$f":"E5*Калькулятор!$D$4/12","v":66329.41861196945},27204.988029307206,93534.406641276655,15891855.478843361,null,4,{"$f":"K5*Калькулятор!$D$9/12","v":13215.819811421265},47083.772865468003,60299.592676889268,15811900.000840047,null,4,{"$f":"Q5*Калькулятор!$D$19/12","v":13215.819811421265},47083.772865468003,60299.592676889268,15811900.000840047]
[5,{"$f":"E6*Калькулятор!$D$4/12","v":66216.064495180675},27318.34214609598,93534.406641276655,15864537.136697264,null,5,{"$f":"K6*Калькулятор!$D$9/12","v":13176.583334033372},47123.009342855898,60299.592676889268,15764776.991497191,null,5,{"$f":"Q6*Калькулятор!$D$19/12","v":13176.583334033372},47123.009342855898,60299.592676889268,15764776.991497191]
[6,{"$f":"E7*Калькулятор!$D$4/12","v":66102.238069571948},27432.168571704708,93534.406641276655,15837104.968125559,null,6,{"$f":"K7*Калькулятор!$D$9/12","v":13137.314159580992},47162.278517308274,60299.592676889268,15717614.712979883,null,6,{"$f":"Q7*Калькулятор!$D$19/12","v":13137.314159580992},47162.278517308274,60299.592676889268,15717614.712979883]
[7,{"$f":"E8*Калькулятор!$D$4/12","v":65987.937367189836},27546.469274086819,93534.406641276655,15809558.498851473,null,7,{"$f":"K8*Калькулятор!$D$9/12","v":13098.012260816569},47201.580416072698,60299.592676889268,15670413.132563811,null,7,{"$f":"Q8*Калькулятор!$D$19/12","v":13098.012260816569},47201.580416072698,60299.592676889268,15670413.132563811]
[8,{"$f":"E9*Калькулятор!$D$4/12","v":65873.160411881137},27661.246229395518,93534.406641276655,15781897.252622077,null,8,{"$f":"K9*Калькулятор!$D$9/12","v":13058.677610469844},47240.915066419424,60299.592676889268,15623172.217497392,null,8,{"$f":"Q9*Калькулятор!$D$19/12","v":13058.677610469844},47240.915066419424,60299.592676889268,15623172.217497392]
[9,{"$f":"E10*Калькулятор!$D$4/12","v":65757.905219258668},27776.501422017987,93534.406641276655,15754120.751200059,null,9,{"$f":"K10*Калькулятор!$D$9/12","v":13019.310181247827},47280.282495641441,60299.592676889268,15575891.93500175,null,9,{"$f":"Q10*Калькулятор!$D$19/12","v":13019.310181247827},47280.282495641441,60299.592676889268,15575891.93500175]
[10,{"$f":"E11*Калькулятор!$D$4/12","v":65642.169796666916},27892.236844609739,93534.406641276655,15726228.514355449,null,10,{"$f":"K11*Калькулятор!$D$9/12","v":12979.909945834792},47319.682731054476,60299.592676889268,15528572.252270695,null,10,{"$f":"Q11*Калькулятор!$D$19/12","v":12979.909945834792},47319.682731054476,60299.592676889268,15528572.252270695]
[11,{"$f":"E12*Калькулятор!$D$4/12","v":65525.952143147704},28008.454498128951,93534.406641276655,15698220.05985732,null,11,{"$f":"K12*Калькулятор!$D$9/12","v":12940.476876892246},47359.115799997024,60299.592676889268,15481213.136470698,null,11,{"$f":"Q12*Калькулятор!$D$19/12","v":12940.476876892246},47359.115799997024,60299.592676889268,15481213.136470698]
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[null,{"$f":"SUM(B3:B14)","v":792507.7831607702},{"$nulls":5},{"$f":"SUM(H3:H14)","v":157409.66686353905},{"$nulls":5},{"$f":"SUM(N3:N14)","v":157409.66686353905}]