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[]
[]
["Income","Step","Tier 1","Tier 2","Tier 3","Tier 4","Tier 5","Total","Mediban levi","Grand Total"]
[18201,null,0,null,null,null,null,{"$f":"C4+D4+E4+F4","v":0},{"$f":"A4*1.5%","v":273.01499999999999},{"$f":"H4+I4","v":273.01499999999999}]
[37001,{"$f":"A5-A4","v":18800},null,{"$f":"B5*19%","v":3572},null,null,null,{"$f":"C5+D5+E5+F5","v":3572},{"$f":"A5*1.5%","v":555.01499999999999},{"$f":"H5+I5","v":4127.0150000000003}]
[80001,{"$f":"A6-A5","v":43000},null,3572,{"$f":"B6*32.5%","v":13975},null,null,17547,1200.0149999999999,18747.014999999999]
[180000,{"$f":"A7-A6","v":99999},null,3572,13975,{"$f":"B7*37%","v":36999.629999999997},null,54546.63,2700,57246.63]
[180001,{"$f":"A8-A7","v":1},null,3572,13975,37000,{"$f":"B8*45%","v":0.45},{"$f":"D8+E8+F8+G8","v":54547.45},2700.0149999999999,57247.464999999997]
[]
[null,"Weekly","Annual","Child","WBA Calculations"]
["Couple",460.2,{"$f":"B11*52","v":23930.399999999998},null,23930,{"$f":"E11-C11","v":-0.39999999999781721}]
["Couple +1",572.04999999999995,{"$f":"B12*52","v":29746.6},{"$f":"C12-C11","v":5816.2000000000007},29746,{"$f":"E12-C12","v":-0.59999999999854481}]
["couple +2",683.9,35562.799999999996,{"$f":"C13-C12","v":5816.1999999999971},35562,-0.79999999999563443]
["Couple +3",795.75,41379,5816.2000000000044,41378,-1]
["Couple + 4",906.36,47130.720000000001,5751.7200000000012,47194,63.279999999998836]
[]
["Single",316.55,16460.600000000002]
["Single + 1",434.76,22607.52,6146.9199999999983,22276,{"$f":"E18-C18","v":-331.52000000000044},"Noted the difference in caclculations. HPI has the 1st child for a single applicant costing $331 extra p.a.. This results in a difference of approx $3,000 borrowing capacity, as the calculations are for housing loans consider $3,000 immaterial"]
["Single  + 2",546.61,28423.72,5816.2000000000007,28092,{"$f":"E19-C19","v":-331.72000000000116}]
["Single + 3",658.46,34239.919999999998,5816.1999999999971,33908,-331.91999999999825]
["Single + 4",770.31,40056.119999999995,5816.1999999999971,39724,-332.11999999999534]

{"sheet":"Repay Sensitivity","index":1,"n_rows":35,"n_cols":7,"rows_kept":35,"cut":false,"hidden":true,"merged":[]}
[null,"Repayment Rate Sensitivity Analysis"]
[]
["This worksheet determines the sensitivity of commitments to rate increases."]
[]
[null,null,null,null,null,2.5000000000000001E-2]
[null,"Loan Amt","Rate","Term","Pmt","Stressed Pmt","% Increase"]
["P&I",20000,0.1,3,{"$f":"-PMT(C7/12,D7*12,B7,0)","v":645.34374387674961},{"$f":"-PMT((C7+$F$5)/12,D7*12,B7,0)","v":669.07251153433049},{"$f":"(F7-E7)/E7","v":3.6769191431276493E-2}]
[null,50000,0.1,3,{"$f":"-PMT(C8/12,D8*12,B8,0)","v":1613.3593596918743},{"$f":"-PMT((C8+$F$5)/12,D8*12,B8,0)","v":1672.6812788358261},{"$f":"(F8-E8)/E8","v":3.6769191431276278E-2}]
[]
[null,20000,0.1,5,{"$f":"-PMT(C10/12,D10*12,B10,0)","v":424.94089422536553},{"$f":"-PMT((C10+$F$5)/12,D10*12,B10,0)","v":449.95876450831679},{"$f":"(F10-E10)/E10","v":5.8873764852773028E-2}]
[null,50000,0.1,5,{"$f":"-PMT(C11/12,D11*12,B11,0)","v":1062.3522355634138},{"$f":"-PMT((C11+$F$5)/12,D11*12,B11,0)","v":1124.8969112707919},{"$f":"(F11-E11)/E11","v":5.8873764852772889E-2}]
[]
[null,20000,0.1,7,{"$f":"-PMT(C13/12,D13*12,B13,0)","v":332.02368053771812},{"$f":"-PMT((C13+$F$5)/12,D13*12,B13,0)","v":358.42476852630341},{"$f":"(F13-E13)/E13","v":7.9515677754756126E-2}]
[null,50000,0.1,7,{"$f":"-PMT(C14/12,D14*12,B14,0)","v":830.05920134429539},{"$f":"-PMT((C14+$F$5)/12,D14*12,B14,0)","v":896.06192131575847},{"$f":"(F14-E14)/E14","v":7.9515677754755945E-2}]
[]
[null,100000,0.05,30,{"$f":"-PMT(C16/12,D16*12,B16,0)","v":536.82162301213907},{"$f":"-PMT((C16+$F$5)/12,D16*12,B16,0)","v":699.21450855277931},{"$f":"(F16-E16)/E16","v":0.30250809315288718}]
[null,300000,0.05,30,1610.4648690364172,2097.6435256583381,0.30250809315288729]
[null,500000,0.05,30,2684.1081150606951,3496.0725427638963,0.30250809315288718]
[null,1000000,0.05,30,5368.2162301213903,6992.1450855277926,0.30250809315288718]
[]
[null,100000,0.06,30,{"$f":"-PMT(C21/12,D21*12,B21,0)","v":599.55052515275236},{"$f":"-PMT((C21+$F$5)/12,D21*12,B21,0)","v":768.91348358433356},{"$f":"(F21-E21)/E21","v":0.28248321255065406}]
[null,300000,0.06,30,1798.651575458257,2306.7404507530005,0.28248321255065401]
[null,500000,0.06,30,2997.7526257637614,3844.567417921668,0.28248321255065428]
[null,1000000,0.06,30,5995.5052515275229,7689.1348358433361,0.28248321255065428]
[]
[null,100000,0.06,20,{"$f":"-PMT(C26/12,D26*12,B26,0)","v":716.4310584781648},{"$f":"-PMT((C26+$F$5)/12,D26*12,B26,0)","v":867.82323336553395},{"$f":"(F26-E26)/E26","v":0.21131436597535957}]
[null,300000,0.06,20,2149.2931754344945,2603.4697000966021,0.2113143659753596]
[null,500000,0.06,20,3582.1552923908243,4339.1161668276691,0.21131436597535927]
[null,1000000,0.06,20,7164.3105847816487,8678.2323336553382,0.21131436597535927]
[]
[]
["IO",100000,0.05,30,{"$f":"B32*C32/12","v":416.66666666666669},{"$f":"B32*(C32+$F$5)/12","v":625.00000000000011},{"$f":"(F32-E32)/E32","v":0.50000000000000022}]
[null,300000,0.05,30,{"$f":"B33*C33/12","v":1250},{"$f":"B33*(C33+$F$5)/12","v":1875.0000000000002},0.50000000000000022]
[null,500000,0.05,30,2083.3333333333335,3125.0000000000005,0.50000000000000011]
[null,1000000,0.05,30,4166.666666666667,6250.0000000000009,0.50000000000000011]

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["              Quick Qualifier"]
[null,null,null,null,null,"                                                                        Version 10.1 - September 2023",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"\"HEM Table 1\" equivalent: by Income Level and Residency",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Metro Postcode","Code","Region",null,"Non Metro Postcodes","CODE","Region",null,"Region","S / C ?","Child ?","Single / Couple Code","Child Code"]
["BORROWER",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total current gross HH income from all sources (measured in current dollars)",null,null,null,null,null,"Do not change any formulas from AA5:AQ78\nWhen inputting $ threshold column headers from Hem Table 1, move threshold amounts across one column to right to ensure that the LOWER value of the range is shown in row 4",null,null,null,null,null,null,null,null,null,null,null,1215,"SYD","Sydney",null,0,"AU","AU",null,{"$f":"IF($F$4=\"\",\"\",IF(ISERROR(VLOOKUP($F$4,$AS$3:$AU$1112,2,FALSE)),VLOOKUP($F$4,$AW$3:$AY$22,2,TRUE),VLOOKUP($F$4,$AS$3:$AU$1112,2,FALSE)))","v":""},{"$f":"IF($B$8=\"\",\"\",IF($B$8=1,\"S\",\"C\"))","v":""},{"$f":"IF($B$10=\"\",\"\",IF($B$10=1,\"Y\",IF(B10=2,\"Y2\",IF(B10>=3,\"Y3\",\"N\"))))","v":""},{"$f":"IF($BB$3=\"\",\"\",$BA$3&$BB$3&\"N\")","v":""},{"$f":"IF($BA$3&$BB$3&$BC$3=BD3,\"\",$BA$3&$BB$3&$BC$3)","v":""}]
["Applicant Name",null,null,null,"Postcode:",null,"Date:",{"$f":"TODAY()","v":"2023-08-21"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Australia","CODE",0,25000,37000,49000,61000,74000,98000,123000,147000,172000,196000,246000,307000,368000,614000,null,null,null,1220,"SYD","Sydney",null,800,"NT","NT",null,"Additional Single",null,null,"Addition Single Code"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU Couple","AUCN",{"$f":"IFERROR('HEM Table'!C5*52,0)","v":29253.895429584416},{"$f":"IFERROR('HEM Table'!D5*52,0)","v":29253.895429584416},{"$f":"IFERROR('HEM Table'!E5*52,0)","v":29969.04519499006},{"$f":"IFERROR('HEM Table'!F5*52,0)","v":30992.524151180041},{"$f":"IFERROR('HEM Table'!G5*52,0)","v":32994.940522163248},{"$f":"IFERROR('HEM Table'!H5*52,0)","v":35884.053073343784},{"$f":"IFERROR('HEM Table'!I5*52,0)","v":40017.740134614935},{"$f":"IFERROR('HEM Table'!J5*52,0)","v":43858.284746009544},{"$f":"IFERROR('HEM Table'!K5*52,0)","v":48426.375875331134},{"$f":"IFERROR('HEM Table'!L5*52,0)","v":50704.512608917757},{"$f":"IFERROR('HEM Table'!M5*52,0)","v":53215.739928949057},{"$f":"IFERROR('HEM Table'!N5*52,0)","v":59758.644281267363},{"$f":"IFERROR('HEM Table'!O5*52,0)","v":66036.304150056065},{"$f":"IFERROR('HEM Table'!P5*52,0)","v":68194.541372423744},{"$f":"IFERROR('HEM Table'!P5*52,0)","v":68194.541372423744},null,null,null,1225,"SYD","Sydney",null,899,"NT","NT",null,{"$f":"IF($B$9=\"\",\"\",IF($B$9>0,\"SN\",\"\"))","v":""},null,null,{"$f":"IF(BA5=\"\",\"\",BA3&BA5)","v":""}]
["New Loan Amount",null,"Product Rate (New Loan)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU C child","AUCY",{"$f":"IFERROR('HEM Table'!C6*52,0)","v":34495.776895710049},{"$f":"IFERROR('HEM Table'!D6*52,0)","v":34495.776895710049},{"$f":"IFERROR('HEM Table'!E6*52,0)","v":34495.776895710049},{"$f":"IFERROR('HEM Table'!F6*52,0)","v":35518.286968849876},{"$f":"IFERROR('HEM Table'!G6*52,0)","v":37518.811987082932},{"$f":"IFERROR('HEM Table'!H6*52,0)","v":40405.192159975799},{"$f":"IFERROR('HEM Table'!I6*52,0)","v":44534.971842292442},{"$f":"IFERROR('HEM Table'!J6*52,0)","v":48371.886168431782},{"$f":"IFERROR('HEM Table'!K6*52,0)","v":52935.659297170256},{"$f":"IFERROR('HEM Table'!L6*52,0)","v":55211.641657951368},{"$f":"IFERROR('HEM Table'!M6*52,0)","v":57720.496191370657},{"$f":"IFERROR('HEM Table'!N6*52,0)","v":64257.215845527571},{"$f":"IFERROR('HEM Table'!O6*52,0)","v":70528.94173922544},{"$f":"IFERROR('HEM Table'!P6*52,0)","v":72685.138881979816},{"$f":"IFERROR('HEM Table'!P6*52,0)","v":72685.138881979816},null,null,null,1230,"SYD","Sydney",null,1100,"NSW","NSW",null,"Cost for Single or additional single",null,null,"Salary Match: Cost for Couple"]
["New Loan Term (months)",null,"Stressed Product Rate (New Loan)",null,{"$f":"MAX(0.07,E6+0.03)","v":7.0000000000000007E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU C child2","AUCY2",{"$f":"IFERROR('HEM Table'!C7*52,0)","v":38263.978655224215},{"$f":"IFERROR('HEM Table'!D7*52,0)","v":38263.978655224215},{"$f":"IFERROR('HEM Table'!E7*52,0)","v":38263.978655224215},{"$f":"IFERROR('HEM Table'!F7*52,0)","v":39287.652530689418},{"$f":"IFERROR('HEM Table'!G7*52,0)","v":41290.449777915535},{"$f":"IFERROR('HEM Table'!H7*52,0)","v":44180.110636228579},{"$f":"IFERROR('HEM Table'!I7*52,0)","v":48314.587825768038},{"$f":"IFERROR('HEM Table'!J7*52,0)","v":52155.86290134189},{"$f":"IFERROR('HEM Table'!K7*52,0)","v":56724.824972330767},{"$f":"IFERROR('HEM Table'!L7*52,0)","v":59003.390777249195},{"$f":"IFERROR('HEM Table'!M7*52,0)","v":61515.101149607406},{"$f":"IFERROR('HEM Table'!N7*52,0)","v":68059.251583407444},{"$f":"IFERROR('HEM Table'!O7*52,0)","v":74338.107018459952},{"$f":"IFERROR('HEM Table'!P7*52,0)","v":76496.755272273484},{"$f":"IFERROR('HEM Table'!P7*52,0)","v":76496.755272273484},null,null,null,1235,"SYD","Sydney",null,2999,"NSW","NSW",null,{"$f":"IF($BB$3=\"C\",$BA$9,HLOOKUP($J$38,$Z$4:$AQ$139,MATCH(BD3,$Z$4:$Z$139,0),TRUE))","v":0},null,null,{"$f":"IF($BB$3=\"S\",\"\",HLOOKUP($J$38,$Z$4:$AQ$139,MATCH(BD3,$Z$4:$Z$139,0),TRUE))","v":0}]
["No. of Adults",null,"Repay (New Loan)",null,{"$f":"IF(B6>0,INT(-PMT(E6/12,B7,B6,0)),0)","v":0},"Stress (New Loan):",null,{"$f":"MAX(IF(B6>0,INT(-PMT(E7/12,B7,B6,0)),0),D28)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU C child3","AUCY3",{"$f":"IFERROR('HEM Table'!C8*52,0)","v":42538.094956107132},{"$f":"IFERROR('HEM Table'!D8*52,0)","v":42538.094956107132},{"$f":"IFERROR('HEM Table'!E8*52,0)","v":42538.094956107132},{"$f":"IFERROR('HEM Table'!F8*52,0)","v":42538.094956107132},{"$f":"IFERROR('HEM Table'!G8*52,0)","v":44544.234167280112},{"$f":"IFERROR('HEM Table'!H8*52,0)","v":47438.716852875245},{"$f":"IFERROR('HEM Table'!I8*52,0)","v":51580.093030180811},{"$f":"IFERROR('HEM Table'!J8*52,0)","v":55427.777842351992},{"$f":"IFERROR('HEM Table'!K8*52,0)","v":60004.362942964508},{"$f":"IFERROR('HEM Table'!L8*52,0)","v":62286.734714693448},{"$f":"IFERROR('HEM Table'!M8*52,0)","v":64802.633366324881},{"$f":"IFERROR('HEM Table'!N8*52,0)","v":71357.703684722772},{"$f":"IFERROR('HEM Table'!O8*52,0)","v":77647.036320360945},{"$f":"IFERROR('HEM Table'!P8*52,0)","v":79809.286598617153},{"$f":"IFERROR('HEM Table'!P8*52,0)","v":79809.286598617153},null,null,null,1240,"SYD","Sydney",null,3000,"VIC","VIC",null,"Salary Match: Cost for each additional single"]
["Number of Additional Single Applicants",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU Single","AUSN",{"$f":"IFERROR('HEM Table'!C9*52,0)","v":14900.750079631729},{"$f":"IFERROR('HEM Table'!D9*52,0)","v":15787.039878539195},{"$f":"IFERROR('HEM Table'!E9*52,0)","v":16503.242646110342},{"$f":"IFERROR('HEM Table'!F9*52,0)","v":17528.227461020346},{"$f":"IFERROR('HEM Table'!G9*52,0)","v":19533.589305178335},{"$f":"IFERROR('HEM Table'!H9*52,0)","v":22426.951009777829},{"$f":"IFERROR('HEM Table'!I9*52,0)","v":26566.72145282467},{"$f":"IFERROR('HEM Table'!J9*52,0)","v":30412.913409366716},{"$f":"IFERROR('HEM Table'!K9*52,0)","v":34987.725523030182},{"$f":"IFERROR('HEM Table'!L9*52,0)","v":37269.212616174875},{"$f":"IFERROR('HEM Table'!M9*52,0)","v":39784.135110833056},{"$f":"IFERROR('HEM Table'!N9*52,0)","v":46336.666514460798},{"$f":"IFERROR('HEM Table'!O9*52,0)","v":52623.559398219993},{"$f":"IFERROR('HEM Table'!P9*52,0)","v":54784.971558629397},{"$f":"IFERROR('HEM Table'!P9*52,0)","v":54784.971558629397},null,null,null,1350,"SYD","Sydney",null,3999,"VIC","VIC",null,{"$f":"HLOOKUP($J$38,$Z$4:$AQ$139,MATCH(BD5,$Z$4:$Z$139,0),TRUE)","v":0}]
["No. of Children",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU S child","AUSY",{"$f":"IFERROR('HEM Table'!C10*52,0)","v":21051.858026312566},{"$f":"IFERROR('HEM Table'!D10*52,0)","v":21051.858026312566},{"$f":"IFERROR('HEM Table'!E10*52,0)","v":21766.891704998256},{"$f":"IFERROR('HEM Table'!F10*52,0)","v":22790.204524917608},{"$f":"IFERROR('HEM Table'!G10*52,0)","v":24792.295853567408},{"$f":"IFERROR('HEM Table'!H10*52,0)","v":27680.939429414568},{"$f":"IFERROR('HEM Table'!I10*52,0)","v":31813.955489735334},{"$f":"IFERROR('HEM Table'!J10*52,0)","v":35653.876684541792},{"$f":"IFERROR('HEM Table'!K10*52,0)","v":40221.226298251837},{"$f":"IFERROR('HEM Table'!L10*52,0)","v":42498.991315977444},{"$f":"IFERROR('HEM Table'!M10*52,0)","v":45009.813876723441},{"$f":"IFERROR('HEM Table'!N10*52,0)","v":51551.659027588881},{"$f":"IFERROR('HEM Table'!O10*52,0)","v":57828.29795773192},{"$f":"IFERROR('HEM Table'!P10*52,0)","v":59986.184844139025},{"$f":"IFERROR('HEM Table'!P10*52,0)","v":59986.184844139025},null,null,null,1355,"SYD","Sydney",null,4000,"QLD","QLD",null,"Salary Match: Cost for each child"]
["EXISTING AUSWIDE COMMITMENTS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU S child2","AUSY2",{"$f":"IFERROR('HEM Table'!C11*52,0)","v":26959.938508343363},{"$f":"IFERROR('HEM Table'!D11*52,0)","v":26959.938508343363},{"$f":"IFERROR('HEM Table'!E11*52,0)","v":27673.027386787031},{"$f":"IFERROR('HEM Table'!F11*52,0)","v":28693.554668267956},{"$f":"IFERROR('HEM Table'!G11*52,0)","v":30690.194732770731},{"$f":"IFERROR('HEM Table'!H11*52,0)","v":33570.973843010797},{"$f":"IFERROR('HEM Table'!I11*52,0)","v":37692.738532131778},{"$f":"IFERROR('HEM Table'!J11*52,0)","v":41522.204408065641},{"$f":"IFERROR('HEM Table'!K11*52,0)","v":46077.120157408106},{"$f":"IFERROR('HEM Table'!L11*52,0)","v":48348.680986646912},{"$f":"IFERROR('HEM Table'!M11*52,0)","v":50852.669628943753},{"$f":"IFERROR('HEM Table'!N11*52,0)","v":57376.702392128471},{"$f":"IFERROR('HEM Table'!O11*52,0)","v":63636.254794754423},{"$f":"IFERROR('HEM Table'!P11*52,0)","v":65788.264822419733},{"$f":"IFERROR('HEM Table'!P11*52,0)","v":65788.264822419733},null,null,null,1360,"SYD","Sydney",null,4999,"QLD","QLD",null,{"$f":"IF(OR(ISERROR(HLOOKUP($J$38,$Z$4:$AQ$139,MATCH(BE3,$Z$4:$Z$139,0),TRUE)),$H$38=\"\"),\"\",HLOOKUP($J$38,$Z$4:$AQ$139,MATCH(BE3,$Z$4:$Z$139,0),TRUE))","v":0}]
["Existing Home Loan (Auswide) total exposure ",null,"Existing HL Product Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AU S child3","AUSY3",{"$f":"IFERROR('HEM Table'!C12*52,0)","v":33579.163068575806},{"$f":"IFERROR('HEM Table'!D12*52,0)","v":33579.163068575806},{"$f":"IFERROR('HEM Table'!E12*52,0)","v":33579.163068575806},{"$f":"IFERROR('HEM Table'!F12*52,0)","v":34596.904811618311},{"$f":"IFERROR('HEM Table'!G12*52,0)","v":36588.093611974051},{"$f":"IFERROR('HEM Table'!H12*52,0)","v":39461.008256607027},{"$f":"IFERROR('HEM Table'!I12*52,0)","v":43571.521574528226},{"$f":"IFERROR('HEM Table'!J12*52,0)","v":47390.532131589483},{"$f":"IFERROR('HEM Table'!K12*52,0)","v":51933.014016564368},{"$f":"IFERROR('HEM Table'!L12*52,0)","v":54198.370657316365},{"$f":"IFERROR('HEM Table'!M12*52,0)","v":56695.525381164065},{"$f":"IFERROR('HEM Table'!N12*52,0)","v":63201.745756668053},{"$f":"IFERROR('HEM Table'!O12*52,0)","v":69444.211631776925},{"$f":"IFERROR('HEM Table'!P12*52,0)","v":71590.344800700434},{"$f":"IFERROR('HEM Table'!P12*52,0)","v":71590.344800700434},null,null,null,1435,"SYD","Sydney",null,5000,"SA","SA"]
["Remaining Term (months)",null,"Stressed HL Product Rate",null,{"$f":"MAX(0.07,E12+0.03)","v":7.0000000000000007E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sydney",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1445,"SYD","Sydney",null,5854,"SA","SA"]
[null,null,"Repay (existing HL)",null,{"$f":"IF(B12>0,INT(-PMT(E12/12,B13,B12,0)),0)","v":0},"Stressed repayment",null,{"$f":"IF(B12>0,INT(-PMT(E13/12,B13,B12,0)),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD Couple","SYDCN",{"$f":"IFERROR('HEM Table'!C14*52,0)","v":28403.953271653572},{"$f":"IFERROR('HEM Table'!D14*52,0)","v":28403.953271653572},{"$f":"IFERROR('HEM Table'!E14*52,0)","v":29119.103037059209},{"$f":"IFERROR('HEM Table'!F14*52,0)","v":30142.581993249198},{"$f":"IFERROR('HEM Table'!G14*52,0)","v":32144.998364232408},{"$f":"IFERROR('HEM Table'!H14*52,0)","v":35034.110436033487},{"$f":"IFERROR('HEM Table'!I14*52,0)","v":39167.79845606353},{"$f":"IFERROR('HEM Table'!J14*52,0)","v":43008.342108699253},{"$f":"IFERROR('HEM Table'!K14*52,0)","v":47576.434196779737},{"$f":"IFERROR('HEM Table'!L14*52,0)","v":49854.569971607467},{"$f":"IFERROR('HEM Table'!M14*52,0)","v":52365.798250397667},{"$f":"IFERROR('HEM Table'!N14*52,0)","v":58908.702602715966},{"$f":"IFERROR('HEM Table'!O14*52,0)","v":65186.362471504661},{"$f":"IFERROR('HEM Table'!P14*52,0)","v":67344.599693872355},{"$f":"IFERROR('HEM Table'!P14*52,0)","v":67344.599693872355},null,null,null,1450,"SYD","Sydney",null,6000,"WA","WA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD C child","SYDCY",{"$f":"IFERROR('HEM Table'!C15*52,0)","v":33599.279040520123},{"$f":"IFERROR('HEM Table'!D15*52,0)","v":33599.279040520123},{"$f":"IFERROR('HEM Table'!E15*52,0)","v":33599.279040520123},{"$f":"IFERROR('HEM Table'!F15*52,0)","v":34621.78911365995},{"$f":"IFERROR('HEM Table'!G15*52,0)","v":36622.314131892999},{"$f":"IFERROR('HEM Table'!H15*52,0)","v":39508.693825859555},{"$f":"IFERROR('HEM Table'!I15*52,0)","v":43638.476381734072},{"$f":"IFERROR('HEM Table'!J15*52,0)","v":47475.389750020797},{"$f":"IFERROR('HEM Table'!K15*52,0)","v":52039.163836611893},{"$f":"IFERROR('HEM Table'!L15*52,0)","v":54315.142365982494},{"$f":"IFERROR('HEM Table'!M15*52,0)","v":56824.00168866491},{"$f":"IFERROR('HEM Table'!N15*52,0)","v":63360.721342821824},{"$f":"IFERROR('HEM Table'!O15*52,0)","v":69632.447236519671},{"$f":"IFERROR('HEM Table'!P15*52,0)","v":71788.642463568816},{"$f":"IFERROR('HEM Table'!P15*52,0)","v":71788.642463568816},null,null,null,1455,"SYD","Sydney",null,6999,"WA","WA"]
["Existing Personal Loan (Auswide) total exposure ",null,"PL Product Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD C child2","SYDCY2",{"$f":"IFERROR('HEM Table'!C16*52,0)","v":37394.03748459684},{"$f":"IFERROR('HEM Table'!D16*52,0)","v":37394.03748459684},{"$f":"IFERROR('HEM Table'!E16*52,0)","v":37394.03748459684},{"$f":"IFERROR('HEM Table'!F16*52,0)","v":38417.709442179068},{"$f":"IFERROR('HEM Table'!G16*52,0)","v":40420.50860728816},{"$f":"IFERROR('HEM Table'!H16*52,0)","v":43310.169465601197},{"$f":"IFERROR('HEM Table'!I16*52,0)","v":47444.646655140663},{"$f":"IFERROR('HEM Table'!J16*52,0)","v":51285.921730714515},{"$f":"IFERROR('HEM Table'!K16*52,0)","v":55854.883801703392},{"$f":"IFERROR('HEM Table'!L16*52,0)","v":58133.44960662182},{"$f":"IFERROR('HEM Table'!M16*52,0)","v":60645.160937921522},{"$f":"IFERROR('HEM Table'!N16*52,0)","v":67189.311371721546},{"$f":"IFERROR('HEM Table'!O16*52,0)","v":73468.166806774068},{"$f":"IFERROR('HEM Table'!P16*52,0)","v":75626.813142704632},{"$f":"IFERROR('HEM Table'!P16*52,0)","v":75626.813142704632},null,null,null,1460,"SYD","Sydney",null,7000,"TAS","TAS"]
["Remaining Term (months)",null,"Repay (existing PL)",null,{"$f":"IF(B16>0,INT(-PMT(E16/12,B17,B16,0)),0)","v":0},"Stressed repayment",null,{"$f":"IF(B16>0,INT(-PMT(E16/12,B17,B16,0)),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD C child3","SYDCY3",{"$f":"IFERROR('HEM Table'!C17*52,0)","v":41812.526786563387},{"$f":"IFERROR('HEM Table'!D17*52,0)","v":41812.526786563387},{"$f":"IFERROR('HEM Table'!E17*52,0)","v":41812.526786563387},{"$f":"IFERROR('HEM Table'!F17*52,0)","v":41812.526786563387},{"$f":"IFERROR('HEM Table'!G17*52,0)","v":43818.665997736374},{"$f":"IFERROR('HEM Table'!H17*52,0)","v":46713.152525498008},{"$f":"IFERROR('HEM Table'!I17*52,0)","v":50854.523900095446},{"$f":"IFERROR('HEM Table'!J17*52,0)","v":54702.209672808254},{"$f":"IFERROR('HEM Table'!K17*52,0)","v":59278.79477342077},{"$f":"IFERROR('HEM Table'!L17*52,0)","v":61561.166545149703},{"$f":"IFERROR('HEM Table'!M17*52,0)","v":64077.065196781135},{"$f":"IFERROR('HEM Table'!N17*52,0)","v":70632.139357345543},{"$f":"IFERROR('HEM Table'!O17*52,0)","v":76921.468150817193},{"$f":"IFERROR('HEM Table'!P17*52,0)","v":79083.718429073415},{"$f":"IFERROR('HEM Table'!P17*52,0)","v":79083.718429073415},null,null,null,1465,"SYD","Sydney",null,7999,"TAS","TAS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD Single","SYDSN",{"$f":"IFERROR('HEM Table'!C18*52,0)","v":14039.688249155632},{"$f":"IFERROR('HEM Table'!D18*52,0)","v":14925.978288105423},{"$f":"IFERROR('HEM Table'!E18*52,0)","v":15642.181055676576},{"$f":"IFERROR('HEM Table'!F18*52,0)","v":16667.165870586578},{"$f":"IFERROR('HEM Table'!G18*52,0)","v":18672.527714744567},{"$f":"IFERROR('HEM Table'!H18*52,0)","v":21565.890379513366},{"$f":"IFERROR('HEM Table'!I18*52,0)","v":25705.658902221596},{"$f":"IFERROR('HEM Table'!J18*52,0)","v":29551.85277910225},{"$f":"IFERROR('HEM Table'!K18*52,0)","v":34126.663932596421},{"$f":"IFERROR('HEM Table'!L18*52,0)","v":36408.150065571797},{"$f":"IFERROR('HEM Table'!M18*52,0)","v":38923.07448056859},{"$f":"IFERROR('HEM Table'!N18*52,0)","v":45475.60396385772},{"$f":"IFERROR('HEM Table'!O18*52,0)","v":51762.496847616923},{"$f":"IFERROR('HEM Table'!P18*52,0)","v":53923.912848703563},{"$f":"IFERROR('HEM Table'!P18*52,0)","v":53923.912848703563},null,null,null,1466,"SYD","Sydney",null,8000,"VIC","VIC"]
["Existing Line of Credit (Auswide) total exposure ",null,"LOC Product Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD S child","SYDSY",{"$f":"IFERROR('HEM Table'!C19*52,0)","v":20153.250624103985},{"$f":"IFERROR('HEM Table'!D19*52,0)","v":20153.250624103985},{"$f":"IFERROR('HEM Table'!E19*52,0)","v":20868.284542440491},{"$f":"IFERROR('HEM Table'!F19*52,0)","v":21891.597362359844},{"$f":"IFERROR('HEM Table'!G19*52,0)","v":23893.688211708017},{"$f":"IFERROR('HEM Table'!H19*52,0)","v":26782.332266856807},{"$f":"IFERROR('HEM Table'!I19*52,0)","v":30915.348327177569},{"$f":"IFERROR('HEM Table'!J19*52,0)","v":34755.269521984032},{"$f":"IFERROR('HEM Table'!K19*52,0)","v":39322.619135694069},{"$f":"IFERROR('HEM Table'!L19*52,0)","v":41600.384153419684},{"$f":"IFERROR('HEM Table'!M19*52,0)","v":44111.206714165666},{"$f":"IFERROR('HEM Table'!N19*52,0)","v":50653.050906427859},{"$f":"IFERROR('HEM Table'!O19*52,0)","v":56929.687919364354},{"$f":"IFERROR('HEM Table'!P19*52,0)","v":59087.578640184525},{"$f":"IFERROR('HEM Table'!P19*52,0)","v":59087.578640184525},null,null,null,1470,"SYD","Sydney",null,8999,"VIC","VIC"]
["Remaining Term (months)",null,"Stressed LOC Product Rate",null,{"$f":"MAX(0.07,E19+0.03)","v":7.0000000000000007E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD S child2","SYDSY2",{"$f":"IFERROR('HEM Table'!C20*52,0)","v":26011.850194532632},{"$f":"IFERROR('HEM Table'!D20*52,0)","v":26011.850194532632},{"$f":"IFERROR('HEM Table'!E20*52,0)","v":26724.937160989452},{"$f":"IFERROR('HEM Table'!F20*52,0)","v":27745.464442470384},{"$f":"IFERROR('HEM Table'!G20*52,0)","v":29742.104506973152},{"$f":"IFERROR('HEM Table'!H20*52,0)","v":32622.883617213214},{"$f":"IFERROR('HEM Table'!I20*52,0)","v":36744.647350340783},{"$f":"IFERROR('HEM Table'!J20*52,0)","v":40574.114182268058},{"$f":"IFERROR('HEM Table'!K20*52,0)","v":45129.029931610523},{"$f":"IFERROR('HEM Table'!L20*52,0)","v":47400.594584823026},{"$f":"IFERROR('HEM Table'!M20*52,0)","v":49904.579403146185},{"$f":"IFERROR('HEM Table'!N20*52,0)","v":56428.611210337476},{"$f":"IFERROR('HEM Table'!O20*52,0)","v":62688.163612963413},{"$f":"IFERROR('HEM Table'!P20*52,0)","v":64840.175552615583},{"$f":"IFERROR('HEM Table'!P20*52,0)","v":64840.175552615583},null,null,null,1475,"SYD","Sydney",null,9000,"QLD","QLD"]
[null,null,"Repay (existing LOC)",null,{"$f":"IF(B19>0,INT(-PMT(E19/12,B20,B19,0)),0)","v":0},"Stressed repayment",null,{"$f":"IF(B19>0,INT(-PMT(E20/12,B20,B19,0)),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SYD S child3","SYDSY3",{"$f":"IFERROR('HEM Table'!C21*52,0)","v":32581.589779538415},{"$f":"IFERROR('HEM Table'!D21*52,0)","v":32581.589779538415},{"$f":"IFERROR('HEM Table'!E21*52,0)","v":32581.589779538415},{"$f":"IFERROR('HEM Table'!F21*52,0)","v":33599.33152258092},{"$f":"IFERROR('HEM Table'!G21*52,0)","v":35590.520802238294},{"$f":"IFERROR('HEM Table'!H21*52,0)","v":38463.434967569621},{"$f":"IFERROR('HEM Table'!I21*52,0)","v":42573.946373503997},{"$f":"IFERROR('HEM Table'!J21*52,0)","v":46392.958842552092},{"$f":"IFERROR('HEM Table'!K21*52,0)","v":50935.440727526984},{"$f":"IFERROR('HEM Table'!L21*52,0)","v":53200.805016226375},{"$f":"IFERROR('HEM Table'!M21*52,0)","v":55697.952092126703},{"$f":"IFERROR('HEM Table'!N21*52,0)","v":62204.171514247093},{"$f":"IFERROR('HEM Table'!O21*52,0)","v":68446.639306562472},{"$f":"IFERROR('HEM Table'!P21*52,0)","v":70592.772465046626},{"$f":"IFERROR('HEM Table'!P21*52,0)","v":70592.772465046626},null,null,null,1480,"SYD","Sydney",null,9999,"QLD","QLD"]
["EXISTING OTHER COMMITMENTS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of NSW",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1481,"SYD","Sydney",null,10000,"AU","AU"]
["Existing Home Loan (Other FI) total exposure",null,"Monthly repayment",null,"Stressed repayment",{"$f":"MAX(IF(B23>0,INT(-PMT(7%/12,30*12,B23)),0),D23)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW Couple","NSWCN",{"$f":"IFERROR('HEM Table'!C23*52,0)","v":29895.656515939641},{"$f":"IFERROR('HEM Table'!D23*52,0)","v":29895.656515939641},{"$f":"IFERROR('HEM Table'!E23*52,0)","v":30610.808198863069},{"$f":"IFERROR('HEM Table'!F23*52,0)","v":31634.287155053051},{"$f":"IFERROR('HEM Table'!G23*52,0)","v":33636.703526036268},{"$f":"IFERROR('HEM Table'!H23*52,0)","v":36525.816556596234},{"$f":"IFERROR('HEM Table'!I23*52,0)","v":40659.503617867384},{"$f":"IFERROR('HEM Table'!J23*52,0)","v":44500.047270503113},{"$f":"IFERROR('HEM Table'!K23*52,0)","v":49068.13935858359},{"$f":"IFERROR('HEM Table'!L23*52,0)","v":51346.271298375737},{"$f":"IFERROR('HEM Table'!M23*52,0)","v":53857.504370960407},{"$f":"IFERROR('HEM Table'!N23*52,0)","v":60400.408723278721},{"$f":"IFERROR('HEM Table'!O23*52,0)","v":66678.068592067415},{"$f":"IFERROR('HEM Table'!P23*52,0)","v":68836.303896917307},{"$f":"IFERROR('HEM Table'!P23*52,0)","v":68836.303896917307},null,null,null,1485,"SYD","Sydney"]
["Existing Personal Loan (Other FI) total exposure",null,"Monthly repayment",null,"Stressed repayment",{"$f":"MAX(IF(B24>0,INT(-PMT(10%/12,7*12,B24)),0),D24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW C child","NSWCY",{"$f":"IFERROR('HEM Table'!C24*52,0)","v":35089.572727177547},{"$f":"IFERROR('HEM Table'!D24*52,0)","v":35089.572727177547},{"$f":"IFERROR('HEM Table'!E24*52,0)","v":35089.572727177547},{"$f":"IFERROR('HEM Table'!F24*52,0)","v":36112.084237096322},{"$f":"IFERROR('HEM Table'!G24*52,0)","v":38112.607339624119},{"$f":"IFERROR('HEM Table'!H24*52,0)","v":40998.988949295926},{"$f":"IFERROR('HEM Table'!I24*52,0)","v":45128.771505170451},{"$f":"IFERROR('HEM Table'!J24*52,0)","v":48965.681042046665},{"$f":"IFERROR('HEM Table'!K24*52,0)","v":53529.455128637761},{"$f":"IFERROR('HEM Table'!L24*52,0)","v":55805.437489418873},{"$f":"IFERROR('HEM Table'!M24*52,0)","v":58314.292022838163},{"$f":"IFERROR('HEM Table'!N24*52,0)","v":64851.015508405573},{"$f":"IFERROR('HEM Table'!O24*52,0)","v":71122.737570692931},{"$f":"IFERROR('HEM Table'!P24*52,0)","v":73278.938544857825},{"$f":"IFERROR('HEM Table'!P24*52,0)","v":73278.938544857825},null,null,null,1490,"SYD","Sydney"]
["Existing Line of Credit (Other FI) limit amount",null,"Monthly repayment",null,"Stressed repayment",{"$f":"MAX(IF(B25>0,INT(-PMT(7%/12,30*12,B25)),0),D25)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW C child2","NSWCY2",{"$f":"IFERROR('HEM Table'!C25*52,0)","v":38886.024820425249},{"$f":"IFERROR('HEM Table'!D25*52,0)","v":38886.024820425249},{"$f":"IFERROR('HEM Table'!E25*52,0)","v":38886.024820425249},{"$f":"IFERROR('HEM Table'!F25*52,0)","v":39909.696778007485},{"$f":"IFERROR('HEM Table'!G25*52,0)","v":41912.494025233595},{"$f":"IFERROR('HEM Table'!H25*52,0)","v":44802.158719312603},{"$f":"IFERROR('HEM Table'!I25*52,0)","v":48936.635908852062},{"$f":"IFERROR('HEM Table'!J25*52,0)","v":52777.907148659957},{"$f":"IFERROR('HEM Table'!K25*52,0)","v":57346.869219648826},{"$f":"IFERROR('HEM Table'!L25*52,0)","v":59625.438860333219},{"$f":"IFERROR('HEM Table'!M25*52,0)","v":62137.145396925473},{"$f":"IFERROR('HEM Table'!N25*52,0)","v":68681.299666491454},{"$f":"IFERROR('HEM Table'!O25*52,0)","v":74960.151265778026},{"$f":"IFERROR('HEM Table'!P25*52,0)","v":77118.803355357522},{"$f":"IFERROR('HEM Table'!P25*52,0)","v":77118.803355357522},null,null,null,1495,"SYD","Sydney"]
["Monthly Rental Payments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW C child3","NSWCY3",{"$f":"IFERROR('HEM Table'!C26*52,0)","v":43307.005645401783},{"$f":"IFERROR('HEM Table'!D26*52,0)","v":43307.005645401783},{"$f":"IFERROR('HEM Table'!E26*52,0)","v":43307.005645401783},{"$f":"IFERROR('HEM Table'!F26*52,0)","v":43307.005645401783},{"$f":"IFERROR('HEM Table'!G26*52,0)","v":45313.144856574763},{"$f":"IFERROR('HEM Table'!H26*52,0)","v":48207.631384336397},{"$f":"IFERROR('HEM Table'!I26*52,0)","v":52349.002758933835},{"$f":"IFERROR('HEM Table'!J26*52,0)","v":56196.688531646636},{"$f":"IFERROR('HEM Table'!K26*52,0)","v":60773.274592800772},{"$f":"IFERROR('HEM Table'!L26*52,0)","v":63055.646364529719},{"$f":"IFERROR('HEM Table'!M26*52,0)","v":65571.543095077912},{"$f":"IFERROR('HEM Table'!N26*52,0)","v":72126.613413475803},{"$f":"IFERROR('HEM Table'!O26*52,0)","v":78415.946049113962},{"$f":"IFERROR('HEM Table'!P26*52,0)","v":80578.196327370169},{"$f":"IFERROR('HEM Table'!P26*52,0)","v":80578.196327370169},null,null,null,1499,"SYD","Sydney"]
["Credit Card Limit",null,"Credit Card Pmt",{"$f":"B27*3.8%","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW Single","NSWSN",{"$f":"IFERROR('HEM Table'!C27*52,0)","v":15533.586867333524},{"$f":"IFERROR('HEM Table'!D27*52,0)","v":16419.876906283316},{"$f":"IFERROR('HEM Table'!E27*52,0)","v":17136.079673854467},{"$f":"IFERROR('HEM Table'!F27*52,0)","v":18161.064488764467},{"$f":"IFERROR('HEM Table'!G27*52,0)","v":20166.42633292246},{"$f":"IFERROR('HEM Table'!H27*52,0)","v":23059.788037521957},{"$f":"IFERROR('HEM Table'!I27*52,0)","v":27199.558480568798},{"$f":"IFERROR('HEM Table'!J27*52,0)","v":31045.750437110841},{"$f":"IFERROR('HEM Table'!K27*52,0)","v":35620.562550774303},{"$f":"IFERROR('HEM Table'!L27*52,0)","v":37902.049643919003},{"$f":"IFERROR('HEM Table'!M27*52,0)","v":40416.972138577177},{"$f":"IFERROR('HEM Table'!N27*52,0)","v":46969.50450237422},{"$f":"IFERROR('HEM Table'!O27*52,0)","v":53256.397386133423},{"$f":"IFERROR('HEM Table'!P27*52,0)","v":55417.80762620423},{"$f":"IFERROR('HEM Table'!P27*52,0)","v":55417.80762620423},null,null,null,1515,"SYD","Sydney"]
["Other Monthly Liability",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW S child","NSWSY",{"$f":"IFERROR('HEM Table'!C28*52,0)","v":21644.71196724023},{"$f":"IFERROR('HEM Table'!D28*52,0)","v":21644.71196724023},{"$f":"IFERROR('HEM Table'!E28*52,0)","v":22359.747563132449},{"$f":"IFERROR('HEM Table'!F28*52,0)","v":23383.060383051801},{"$f":"IFERROR('HEM Table'!G28*52,0)","v":25385.151711701601},{"$f":"IFERROR('HEM Table'!H28*52,0)","v":28273.793370342231},{"$f":"IFERROR('HEM Table'!I28*52,0)","v":32406.811347869534},{"$f":"IFERROR('HEM Table'!J28*52,0)","v":36246.730625469456},{"$f":"IFERROR('HEM Table'!K28*52,0)","v":40814.08215638603},{"$f":"IFERROR('HEM Table'!L28*52,0)","v":43091.84717411163},{"$f":"IFERROR('HEM Table'!M28*52,0)","v":45602.667817651105},{"$f":"IFERROR('HEM Table'!N28*52,0)","v":52144.512968516545},{"$f":"IFERROR('HEM Table'!O28*52,0)","v":58421.149981453047},{"$f":"IFERROR('HEM Table'!P28*52,0)","v":60579.036867860166},{"$f":"IFERROR('HEM Table'!P28*52,0)","v":60579.036867860166},null,null,null,1560,"SYD","Sydney"]
["INCOME","Gross Base Annual","Gross Overtime & Allowances","Gross Rental","Invest. Loan Int","Total","Tax","Net",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW S child2","NSWSY2",{"$f":"IFERROR('HEM Table'!C29*52,0)","v":27499.250726249786},{"$f":"IFERROR('HEM Table'!D29*52,0)","v":27499.250726249786},{"$f":"IFERROR('HEM Table'!E29*52,0)","v":28212.33960469345},{"$f":"IFERROR('HEM Table'!F29*52,0)","v":29232.864974187538},{"$f":"IFERROR('HEM Table'!G29*52,0)","v":31229.506950677158},{"$f":"IFERROR('HEM Table'!H29*52,0)","v":34110.284148930376},{"$f":"IFERROR('HEM Table'!I29*52,0)","v":38232.050750038208},{"$f":"IFERROR('HEM Table'!J29*52,0)","v":42061.51471398522},{"$f":"IFERROR('HEM Table'!K29*52,0)","v":46616.432375314529},{"$f":"IFERROR('HEM Table'!L29*52,0)","v":48887.993204553335},{"$f":"IFERROR('HEM Table'!M29*52,0)","v":51391.981846850184},{"$f":"IFERROR('HEM Table'!N29*52,0)","v":57916.014610034887},{"$f":"IFERROR('HEM Table'!O29*52,0)","v":64175.567012660846},{"$f":"IFERROR('HEM Table'!P29*52,0)","v":66327.577040326156},{"$f":"IFERROR('HEM Table'!P29*52,0)","v":66327.577040326156},null,null,null,1565,"SYD","Sydney"]
["Applicant 1",0,0,0,0,{"$f":"SUM(B30+(C30*80%)+(D30*80%)-E30)","v":0},{"$f":"ROUND((IF(F30>180000,51667+(F30-180000)*0.45,IF(F30>120000,29467+(F30-120000)*0.37,IF(F30>45000,5092+(F30-45000)*0.325,IF(F30>18200,(F30-18200)*0.19,0))))+F30*0.02),0)","v":0},{"$f":"(F30-G30)+E30","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NSW S child3","NSWSY3",{"$f":"IFERROR('HEM Table'!C30*52,0)","v":34064.931646254452},{"$f":"IFERROR('HEM Table'!D30*52,0)","v":34064.931646254452},{"$f":"IFERROR('HEM Table'!E30*52,0)","v":34064.931646254452},{"$f":"IFERROR('HEM Table'!F30*52,0)","v":35082.669565323275},{"$f":"IFERROR('HEM Table'!G30*52,0)","v":37073.862189652711},{"$f":"IFERROR('HEM Table'!H30*52,0)","v":39946.774927518512},{"$f":"IFERROR('HEM Table'!I30*52,0)","v":44057.290152206879},{"$f":"IFERROR('HEM Table'!J30*52,0)","v":47876.298802500984},{"$f":"IFERROR('HEM Table'!K30*52,0)","v":52418.782594243028},{"$f":"IFERROR('HEM Table'!L30*52,0)","v":54684.139234995033},{"$f":"IFERROR('HEM Table'!M30*52,0)","v":57181.295876049262},{"$f":"IFERROR('HEM Table'!N30*52,0)","v":63687.516251553228},{"$f":"IFERROR('HEM Table'!O30*52,0)","v":69929.984043868651},{"$f":"IFERROR('HEM Table'!P30*52,0)","v":72076.117212792145},{"$f":"IFERROR('HEM Table'!P30*52,0)","v":72076.117212792145},null,null,null,1570,"SYD","Sydney"]
["Applicant 2",0,0,0,0,0,{"$f":"ROUND((IF(F31>180000,51667+(F31-180000)*0.45,IF(F31>120000,29467+(F31-120000)*0.37,IF(F31>45000,5092+(F31-45000)*0.325,IF(F31>18200,(F31-18200)*0.19,0))))+F31*0.02),0)","v":0},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Melbourne","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1585,"SYD","Sydney"]
["Applicant 3",0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL Couple","MELCN",{"$f":"IFERROR('HEM Table'!C32*52,0)","v":29513.795791029414},{"$f":"IFERROR('HEM Table'!D32*52,0)","v":29513.795791029414},{"$f":"IFERROR('HEM Table'!E32*52,0)","v":30228.945556435057},{"$f":"IFERROR('HEM Table'!F32*52,0)","v":31252.424992004482},{"$f":"IFERROR('HEM Table'!G32*52,0)","v":33254.840883608253},{"$f":"IFERROR('HEM Table'!H32*52,0)","v":36143.953434788782},{"$f":"IFERROR('HEM Table'!I32*52,0)","v":40277.641454818819},{"$f":"IFERROR('HEM Table'!J32*52,0)","v":44118.183189936746},{"$f":"IFERROR('HEM Table'!K32*52,0)","v":48686.275278017238},{"$f":"IFERROR('HEM Table'!L32*52,0)","v":50964.411052844967},{"$f":"IFERROR('HEM Table'!M32*52,0)","v":53475.639331635168},{"$f":"IFERROR('HEM Table'!N32*52,0)","v":60018.548477747943},{"$f":"IFERROR('HEM Table'!O32*52,0)","v":66296.20451150107},{"$f":"IFERROR('HEM Table'!P32*52,0)","v":68454.443651386551},{"$f":"IFERROR('HEM Table'!P32*52,0)","v":68454.443651386551},null,null,null,1590,"SYD","Sydney"]
["Applicant 4",0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL C child","MELCY",{"$f":"IFERROR('HEM Table'!C33*52,0)","v":34708.071041452451},{"$f":"IFERROR('HEM Table'!D33*52,0)","v":34708.071041452451},{"$f":"IFERROR('HEM Table'!E33*52,0)","v":34708.071041452451},{"$f":"IFERROR('HEM Table'!F33*52,0)","v":35730.583030297537},{"$f":"IFERROR('HEM Table'!G33*52,0)","v":37731.106132825342},{"$f":"IFERROR('HEM Table'!H33*52,0)","v":40617.487742497142},{"$f":"IFERROR('HEM Table'!I33*52,0)","v":44747.267424813785},{"$f":"IFERROR('HEM Table'!J33*52,0)","v":48584.181750953132},{"$f":"IFERROR('HEM Table'!K33*52,0)","v":53147.955837544228},{"$f":"IFERROR('HEM Table'!L33*52,0)","v":55423.938198325341},{"$f":"IFERROR('HEM Table'!M33*52,0)","v":57932.792731744623},{"$f":"IFERROR('HEM Table'!N33*52,0)","v":64469.512385901537},{"$f":"IFERROR('HEM Table'!O33*52,0)","v":70741.238279599405},{"$f":"IFERROR('HEM Table'!P33*52,0)","v":72897.435422353781},{"$f":"IFERROR('HEM Table'!P33*52,0)","v":72897.435422353781},null,null,null,1595,"SYD","Sydney"]
["Applicant 5",0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL C child2","MELCY2",{"$f":"IFERROR('HEM Table'!C34*52,0)","v":38504.089453112138},{"$f":"IFERROR('HEM Table'!D34*52,0)","v":38504.089453112138},{"$f":"IFERROR('HEM Table'!E34*52,0)","v":38504.089453112138},{"$f":"IFERROR('HEM Table'!F34*52,0)","v":39527.76380804809},{"$f":"IFERROR('HEM Table'!G34*52,0)","v":41530.5610552742},{"$f":"IFERROR('HEM Table'!H34*52,0)","v":44420.225749353202},{"$f":"IFERROR('HEM Table'!I34*52,0)","v":48554.699103126703},{"$f":"IFERROR('HEM Table'!J34*52,0)","v":52395.974178700555},{"$f":"IFERROR('HEM Table'!K34*52,0)","v":56964.936249689425},{"$f":"IFERROR('HEM Table'!L34*52,0)","v":59243.505890373817},{"$f":"IFERROR('HEM Table'!M34*52,0)","v":61755.212426966085},{"$f":"IFERROR('HEM Table'!N34*52,0)","v":68299.362860766094},{"$f":"IFERROR('HEM Table'!O34*52,0)","v":74578.218295818617},{"$f":"IFERROR('HEM Table'!P34*52,0)","v":76736.866549632163},{"$f":"IFERROR('HEM Table'!P34*52,0)","v":76736.866549632163},null,null,null,1630,"SYD","Sydney"]
["Applicant 6",0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL C child3","MELCY3",{"$f":"IFERROR('HEM Table'!C35*52,0)","v":42924.434403152154},{"$f":"IFERROR('HEM Table'!D35*52,0)","v":42924.434403152154},{"$f":"IFERROR('HEM Table'!E35*52,0)","v":42924.434403152154},{"$f":"IFERROR('HEM Table'!F35*52,0)","v":42924.434403152154},{"$f":"IFERROR('HEM Table'!G35*52,0)","v":44930.574574866769},{"$f":"IFERROR('HEM Table'!H35*52,0)","v":47825.057260461894},{"$f":"IFERROR('HEM Table'!I35*52,0)","v":51966.432477225833},{"$f":"IFERROR('HEM Table'!J35*52,0)","v":55814.118249938649},{"$f":"IFERROR('HEM Table'!K35*52,0)","v":60390.703350551164},{"$f":"IFERROR('HEM Table'!L35*52,0)","v":62673.072240655223},{"$f":"IFERROR('HEM Table'!M35*52,0)","v":65188.972813369903},{"$f":"IFERROR('HEM Table'!N35*52,0)","v":71744.043131767801},{"$f":"IFERROR('HEM Table'!O35*52,0)","v":78033.375767405974},{"$f":"IFERROR('HEM Table'!P35*52,0)","v":80195.626045662182},{"$f":"IFERROR('HEM Table'!P35*52,0)","v":80195.626045662182},null,null,null,1635,"SYD","Sydney"]
["Untaxed Allowable Income",0,null,"Business Depreciation  ↓",null,{"$f":"B36","v":0},null,{"$f":"F36-G36","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL Single","MELSN",{"$f":"IFERROR('HEM Table'!C36*52,0)","v":15151.163794920312},{"$f":"IFERROR('HEM Table'!D36*52,0)","v":16037.453713848941},{"$f":"IFERROR('HEM Table'!E36*52,0)","v":16753.65648142009},{"$f":"IFERROR('HEM Table'!F36*52,0)","v":17778.641296330094},{"$f":"IFERROR('HEM Table'!G36*52,0)","v":19784.002900445757},{"$f":"IFERROR('HEM Table'!H36*52,0)","v":22677.366045299212},{"$f":"IFERROR('HEM Table'!I36*52,0)","v":26817.134087922783},{"$f":"IFERROR('HEM Table'!J36*52,0)","v":30663.328444888099},{"$f":"IFERROR('HEM Table'!K36*52,0)","v":35238.139598382259},{"$f":"IFERROR('HEM Table'!L36*52,0)","v":37519.625731357643},{"$f":"IFERROR('HEM Table'!M36*52,0)","v":40034.550146354435},{"$f":"IFERROR('HEM Table'!N36*52,0)","v":46587.079629643558},{"$f":"IFERROR('HEM Table'!O36*52,0)","v":52873.97347357207},{"$f":"IFERROR('HEM Table'!P36*52,0)","v":55035.385633981467},{"$f":"IFERROR('HEM Table'!P36*52,0)","v":55035.385633981467},null,null,null,1640,"SYD","Sydney"]
["Company NPBT",0,null,0,null,{"$f":"B37+D37","v":0},{"$f":"B37*30%","v":0},{"$f":"F37-G37","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL S child","MELSY",{"$f":"IFERROR('HEM Table'!C37*52,0)","v":21262.913467541301},{"$f":"IFERROR('HEM Table'!D37*52,0)","v":21262.913467541301},{"$f":"IFERROR('HEM Table'!E37*52,0)","v":21977.94690657617},{"$f":"IFERROR('HEM Table'!F37*52,0)","v":23001.26020579716},{"$f":"IFERROR('HEM Table'!G37*52,0)","v":25003.351055145329},{"$f":"IFERROR('HEM Table'!H37*52,0)","v":27891.994630992489},{"$f":"IFERROR('HEM Table'!I37*52,0)","v":32025.011170614889},{"$f":"IFERROR('HEM Table'!J37*52,0)","v":35864.932365421344},{"$f":"IFERROR('HEM Table'!K37*52,0)","v":40432.281979131389},{"$f":"IFERROR('HEM Table'!L37*52,0)","v":42710.046038253728},{"$f":"IFERROR('HEM Table'!M37*52,0)","v":45220.869557602986},{"$f":"IFERROR('HEM Table'!N37*52,0)","v":51762.710874055374},{"$f":"IFERROR('HEM Table'!O37*52,0)","v":58039.351721404943},{"$f":"IFERROR('HEM Table'!P37*52,0)","v":60197.238607812047},{"$f":"IFERROR('HEM Table'!P37*52,0)","v":60197.238607812047},null,null,null,1655,"SYD","Sydney"]
["Annual Rental",0,null,null," ",{"$f":"SUM(F30:F37)","v":0},"Total Net Income:",{"$f":"SUM(H30:H37)","v":0},"HEM Income",{"$f":"(SUM($B$30:$D$35)+$B$36)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL S child2","MELSY2",{"$f":"IFERROR('HEM Table'!C38*52,0)","v":27118.490017619071},{"$f":"IFERROR('HEM Table'!D38*52,0)","v":27118.490017619071},{"$f":"IFERROR('HEM Table'!E38*52,0)","v":27831.578896062736},{"$f":"IFERROR('HEM Table'!F38*52,0)","v":28852.105699546959},{"$f":"IFERROR('HEM Table'!G38*52,0)","v":30848.746242046444},{"$f":"IFERROR('HEM Table'!H38*52,0)","v":33729.525352286502},{"$f":"IFERROR('HEM Table'!I38*52,0)","v":37851.289085414071},{"$f":"IFERROR('HEM Table'!J38*52,0)","v":41680.755917341347},{"$f":"IFERROR('HEM Table'!K38*52,0)","v":46235.66879870354},{"$f":"IFERROR('HEM Table'!L38*52,0)","v":48507.234407909469},{"$f":"IFERROR('HEM Table'!M38*52,0)","v":51011.219226232621},{"$f":"IFERROR('HEM Table'!N38*52,0)","v":57535.255813391028},{"$f":"IFERROR('HEM Table'!O38*52,0)","v":63794.802480056431},{"$f":"IFERROR('HEM Table'!P38*52,0)","v":65946.818243682297},{"$f":"IFERROR('HEM Table'!P38*52,0)","v":65946.818243682297},null,null,null,1660,"SYD","Sydney"]
["Investment Loan Balance",0,null,null,"     SERVICEABILITY SUMMARY",null,"Unstressed","Stressed",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MEL S child3","MELSY3",{"$f":"IFERROR('HEM Table'!C39*52,0)","v":33685.210885549306},{"$f":"IFERROR('HEM Table'!D39*52,0)","v":33685.210885549306},{"$f":"IFERROR('HEM Table'!E39*52,0)","v":33685.210885549306},{"$f":"IFERROR('HEM Table'!F39*52,0)","v":34702.951193296758},{"$f":"IFERROR('HEM Table'!G39*52,0)","v":36694.141428947558},{"$f":"IFERROR('HEM Table'!H39*52,0)","v":39567.056073580512},{"$f":"IFERROR('HEM Table'!I39*52,0)","v":43677.567000213247},{"$f":"IFERROR('HEM Table'!J39*52,0)","v":47496.579469261349},{"$f":"IFERROR('HEM Table'!K39*52,0)","v":52039.055618275685},{"$f":"IFERROR('HEM Table'!L39*52,0)","v":54304.422777565211},{"$f":"IFERROR('HEM Table'!M39*52,0)","v":56801.568894862248},{"$f":"IFERROR('HEM Table'!N39*52,0)","v":63307.800752726682},{"$f":"IFERROR('HEM Table'!O39*52,0)","v":69550.253238707926},{"$f":"IFERROR('HEM Table'!P39*52,0)","v":71696.397879552533},{"$f":"IFERROR('HEM Table'!P39*52,0)","v":71696.397879552533},null,null,null,1670,"SYD","Sydney"]
["Investment Loan Interest Rate",0,null,null,null,"Additional Buffer:",2400,2400]
["Investment Loan Interest",{"$f":"SUM(B39*B40)","v":0},null,{"$f":"SUM(B30+B31+B32+B33+B34+B35+B36+B37+C30+C31+C32+C33+C34+C35+D30+D31+D32+D33+D34+D35)","v":0},null,"Applicant Living Costs:",{"$f":"IF($B$8=0,0,IF(AND($B$8=1,$B$10=0),($J$55+$J$55*$B$43)*(1+$J$61),IF(AND($B$8=1,$B$10=1),($J$56+$J$56*$B$43)*(1+$J$61),IF(AND($B$8=1,$B$10=2),($J$57+$J$57*$B$43)*(1+$J$61),IF(AND($B$8=1,$B$10>=3),($J$58+$J$58*$B$43)*(1+$J$61),IF(AND($B$8>=1,$B$10=0),($J$51+$J$51*$B$43)*(1+$J$61),IF(AND($B$8>=1,$B$10=1),($J$52+$J$52*$B$43)*(1+$J$61),IF(AND($B$8>=1,$B$10=2),($J$53+$J$53*$B$43)*(1+$J$61),IF(AND($B$8>=1,$B$10>=3),($J$54+$J$54*$B$43)*(1+$J$61))))))))))+$J$59*(1+$J$61)+$D$47","v":0},{"$f":"G41","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Balance of VIC","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1675,"SYD","Sydney"]
["   LIVING COSTS",null,null,null,null,"Proposed Annual Repayments:",{"$f":"E8*12","v":0},{"$f":"H8*12","v":0},{"$f":"IF(D41>0,IF(G41=0,\" X\",\"\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC Couple","VICCN",{"$f":"IFERROR('HEM Table'!C41*52,0)","v":31411.972539216542},{"$f":"IFERROR('HEM Table'!D41*52,0)","v":31411.972539216542},{"$f":"IFERROR('HEM Table'!E41*52,0)","v":32127.122304622178},{"$f":"IFERROR('HEM Table'!F41*52,0)","v":33150.60126081216},{"$f":"IFERROR('HEM Table'!G41*52,0)","v":35153.017631795366},{"$f":"IFERROR('HEM Table'!H41*52,0)","v":38042.130182975903},{"$f":"IFERROR('HEM Table'!I41*52,0)","v":42175.817244247053},{"$f":"IFERROR('HEM Table'!J41*52,0)","v":46016.361855641662},{"$f":"IFERROR('HEM Table'!K41*52,0)","v":50584.452984963253},{"$f":"IFERROR('HEM Table'!L41*52,0)","v":52862.589718549876},{"$f":"IFERROR('HEM Table'!M41*52,0)","v":55373.817997340084},{"$f":"IFERROR('HEM Table'!N41*52,0)","v":61916.722349658376},{"$f":"IFERROR('HEM Table'!O41*52,0)","v":68194.382218447077},{"$f":"IFERROR('HEM Table'!P41*52,0)","v":70352.619440814786},{"$f":"IFERROR('HEM Table'!P41*52,0)","v":70352.619440814786},null,null,null,1680,"SYD","Sydney"]
[null,0,null,null,null,"Other Repayments:",{"$f":"SUM(B26+D27+E14+E17+E21+D23+D24+D25+B28)*12","v":0},{"$f":"SUM(H14,H17,H21,F23,F24,F25,B26,D27,B28)*12","v":0},{"$f":"IF(B6>0,IF(E6=0,\" X\",\"\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC C child","VICCY",{"$f":"IFERROR('HEM Table'!C42*52,0)","v":36604.454969676801},{"$f":"IFERROR('HEM Table'!D42*52,0)","v":36604.454969676801},{"$f":"IFERROR('HEM Table'!E42*52,0)","v":36604.454969676801},{"$f":"IFERROR('HEM Table'!F42*52,0)","v":37626.966958521887},{"$f":"IFERROR('HEM Table'!G42*52,0)","v":39627.490061049692},{"$f":"IFERROR('HEM Table'!H42*52,0)","v":42513.870233942558},{"$f":"IFERROR('HEM Table'!I42*52,0)","v":46643.651831964453},{"$f":"IFERROR('HEM Table'!J42*52,0)","v":50480.566158103793},{"$f":"IFERROR('HEM Table'!K42*52,0)","v":55044.339286842267},{"$f":"IFERROR('HEM Table'!L42*52,0)","v":57320.317816212882},{"$f":"IFERROR('HEM Table'!M42*52,0)","v":59829.176181042669},{"$f":"IFERROR('HEM Table'!N42*52,0)","v":66365.895835199568},{"$f":"IFERROR('HEM Table'!O42*52,0)","v":72637.621728897429},{"$f":"IFERROR('HEM Table'!P42*52,0)","v":74793.81887165182},{"$f":"IFERROR('HEM Table'!P42*52,0)","v":74793.81887165182},null,null,null,1685,"SYD","Sydney"]
["As a responsible lender, Auswide Bank Ltd assesses applications for credit based upon an estimate",null,null,null,null,"Total Commitments",{"$f":"G42+G43","v":0},{"$f":"H42+H43","v":0},{"$f":"(G43*0.22)+G43","v":0},{"$f":"I47","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC C child2","VICCY2",{"$f":"IFERROR('HEM Table'!C43*52,0)","v":40402.629622693152},{"$f":"IFERROR('HEM Table'!D43*52,0)","v":40402.629622693152},{"$f":"IFERROR('HEM Table'!E43*52,0)","v":40402.629622693152},{"$f":"IFERROR('HEM Table'!F43*52,0)","v":41426.303498158355},{"$f":"IFERROR('HEM Table'!G43*52,0)","v":43429.101224855222},{"$f":"IFERROR('HEM Table'!H43*52,0)","v":46318.762083168258},{"$f":"IFERROR('HEM Table'!I43*52,0)","v":50453.238313766233},{"$f":"IFERROR('HEM Table'!J43*52,0)","v":54294.514348281577},{"$f":"IFERROR('HEM Table'!K43*52,0)","v":58863.475460328962},{"$f":"IFERROR('HEM Table'!L43*52,0)","v":61142.042224188881},{"$f":"IFERROR('HEM Table'!M43*52,0)","v":63653.751637605601},{"$f":"IFERROR('HEM Table'!N43*52,0)","v":70197.902071405624},{"$f":"IFERROR('HEM Table'!O43*52,0)","v":76476.757506458147},{"$f":"IFERROR('HEM Table'!P43*52,0)","v":78635.405760271693},{"$f":"IFERROR('HEM Table'!P43*52,0)","v":78635.405760271693},null,null,null,1700,"SYD","Sydney"]
["of the applicants  monthly living expenses.  ",null,null,null,null,"Total Costs:",{"$f":"SUM(G40:G43)","v":2400},{"$f":"SUM(H40:H43)","v":2400},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC C child3","VICCY3",{"$f":"IFERROR('HEM Table'!C44*52,0)","v":44826.138726132478},{"$f":"IFERROR('HEM Table'!D44*52,0)","v":44826.138726132478},{"$f":"IFERROR('HEM Table'!E44*52,0)","v":44826.138726132478},{"$f":"IFERROR('HEM Table'!F44*52,0)","v":44826.138726132478},{"$f":"IFERROR('HEM Table'!G44*52,0)","v":46832.277937305458},{"$f":"IFERROR('HEM Table'!H44*52,0)","v":49726.764465067099},{"$f":"IFERROR('HEM Table'!I44*52,0)","v":53868.136800206164},{"$f":"IFERROR('HEM Table'!J44*52,0)","v":57715.821612377345},{"$f":"IFERROR('HEM Table'!K44*52,0)","v":62292.407673531481},{"$f":"IFERROR('HEM Table'!L44*52,0)","v":64574.779445260407},{"$f":"IFERROR('HEM Table'!M44*52,0)","v":67090.678096891861},{"$f":"IFERROR('HEM Table'!N44*52,0)","v":73645.752257456261},{"$f":"IFERROR('HEM Table'!O44*52,0)","v":79935.081050927925},{"$f":"IFERROR('HEM Table'!P44*52,0)","v":82097.333250267387},{"$f":"IFERROR('HEM Table'!P44*52,0)","v":82097.333250267387},null,null,null,1710,"SYD","Sydney"]
["Our estimate is ",{"$f":"G41/12","v":0},null,null,null,"Net Disposable Income:",{"$f":"H38-G45","v":-2400},{"$f":"H38-H45","v":-2400},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC Single","VICSN",{"$f":"IFERROR('HEM Table'!C45*52,0)","v":17052.132551512637},{"$f":"IFERROR('HEM Table'!D45*52,0)","v":17938.422590462425},{"$f":"IFERROR('HEM Table'!E45*52,0)","v":18654.625358033576},{"$f":"IFERROR('HEM Table'!F45*52,0)","v":19679.61017294358},{"$f":"IFERROR('HEM Table'!G45*52,0)","v":21684.972017101569},{"$f":"IFERROR('HEM Table'!H45*52,0)","v":24578.334681870372},{"$f":"IFERROR('HEM Table'!I45*52,0)","v":28718.103204578594},{"$f":"IFERROR('HEM Table'!J45*52,0)","v":32564.296601374605},{"$f":"IFERROR('HEM Table'!K45*52,0)","v":37139.10871503807},{"$f":"IFERROR('HEM Table'!L45*52,0)","v":39420.593887844152},{"$f":"IFERROR('HEM Table'!M45*52,0)","v":41935.519263010247},{"$f":"IFERROR('HEM Table'!N45*52,0)","v":48488.050666637988},{"$f":"IFERROR('HEM Table'!O45*52,0)","v":54774.94163005858},{"$f":"IFERROR('HEM Table'!P45*52,0)","v":56936.355710806587},{"$f":"IFERROR('HEM Table'!P45*52,0)","v":56936.355710806587},null,null,null,1715,"SYD","Sydney"]
["Additional Monthly  Discretionary Living Expenses",0,"Annual",{"$f":"B47*12","v":0},null,null,null,null,{"$f":"SUM(H38-(G41+I44))","v":0},{"$f":"J44/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC S child","VICSY",{"$f":"IFERROR('HEM Table'!C46*52,0)","v":23160.781614795142},{"$f":"IFERROR('HEM Table'!D46*52,0)","v":23160.781614795142},{"$f":"IFERROR('HEM Table'!E46*52,0)","v":23875.815533131648},{"$f":"IFERROR('HEM Table'!F46*52,0)","v":24899.128353051001},{"$f":"IFERROR('HEM Table'!G46*52,0)","v":26901.219681700808},{"$f":"IFERROR('HEM Table'!H46*52,0)","v":29789.863257547961},{"$f":"IFERROR('HEM Table'!I46*52,0)","v":33922.879797170368},{"$f":"IFERROR('HEM Table'!J46*52,0)","v":37762.800033373562},{"$f":"IFERROR('HEM Table'!K46*52,0)","v":42330.15060568686},{"$f":"IFERROR('HEM Table'!L46*52,0)","v":44607.914664809206},{"$f":"IFERROR('HEM Table'!M46*52,0)","v":47118.735308348667},{"$f":"IFERROR('HEM Table'!N46*52,0)","v":53660.582376420643},{"$f":"IFERROR('HEM Table'!O46*52,0)","v":59937.223223770197},{"$f":"IFERROR('HEM Table'!P46*52,0)","v":62095.108192970787},{"$f":"IFERROR('HEM Table'!P46*52,0)","v":62095.108192970787},null,null,null,1730,"SYD","Sydney"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC S child2","VICSY2",{"$f":"IFERROR('HEM Table'!C47*52,0)","v":29011.1930431365},{"$f":"IFERROR('HEM Table'!D47*52,0)","v":29011.1930431365},{"$f":"IFERROR('HEM Table'!E47*52,0)","v":29724.28000959332},{"$f":"IFERROR('HEM Table'!F47*52,0)","v":30744.807291074252},{"$f":"IFERROR('HEM Table'!G47*52,0)","v":32741.447355577027},{"$f":"IFERROR('HEM Table'!H47*52,0)","v":35622.226943813796},{"$f":"IFERROR('HEM Table'!I47*52,0)","v":39743.990676941365},{"$f":"IFERROR('HEM Table'!J47*52,0)","v":43573.457508868647},{"$f":"IFERROR('HEM Table'!K47*52,0)","v":48128.372302217686},{"$f":"IFERROR('HEM Table'!L47*52,0)","v":50399.936955430188},{"$f":"IFERROR('HEM Table'!M47*52,0)","v":52903.922729746766},{"$f":"IFERROR('HEM Table'!N47*52,0)","v":59427.954536938058},{"$f":"IFERROR('HEM Table'!O47*52,0)","v":65687.506939564002},{"$f":"IFERROR('HEM Table'!P47*52,0)","v":67839.51887921615},{"$f":"IFERROR('HEM Table'!P47*52,0)","v":67839.51887921615},null,null,null,1750,"SYD","Sydney"]
[null,null,null,null,null,null,null,null,{"$f":"IF(H50>=6,\"DTI may be unacceptable \",\"\")","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VIC S child3","VICSY3",{"$f":"IFERROR('HEM Table'!C48*52,0)","v":35572.744486054988},{"$f":"IFERROR('HEM Table'!D48*52,0)","v":35572.744486054988},{"$f":"IFERROR('HEM Table'!E48*52,0)","v":35572.744486054988},{"$f":"IFERROR('HEM Table'!F48*52,0)","v":36590.4862290975},{"$f":"IFERROR('HEM Table'!G48*52,0)","v":38581.675029453247},{"$f":"IFERROR('HEM Table'!H48*52,0)","v":41454.590630079641},{"$f":"IFERROR('HEM Table'!I48*52,0)","v":45565.101556712361},{"$f":"IFERROR('HEM Table'!J48*52,0)","v":49384.114984363725},{"$f":"IFERROR('HEM Table'!K48*52,0)","v":53926.593998748511},{"$f":"IFERROR('HEM Table'!L48*52,0)","v":56191.95924605117},{"$f":"IFERROR('HEM Table'!M48*52,0)","v":58689.11015114488},{"$f":"IFERROR('HEM Table'!N48*52,0)","v":65195.326697455464},{"$f":"IFERROR('HEM Table'!O48*52,0)","v":71437.790655357807},{"$f":"IFERROR('HEM Table'!P48*52,0)","v":73583.929565461513},{"$f":"IFERROR('HEM Table'!P48*52,0)","v":73583.929565461513},null,null,null,1755,"SYD","Sydney"]
[null,null,null,null,null,"Debt to Income  Ratio (DTI):","Times",{"$f":"ROUND(($B$6+$B$12+$B$16+$B$19+$B$23+$B$24+$B$25+$B$27)/(SUM($B$30:$B$37,$C$30:$C$35,$D$30:$D$35)),2)","v":{"$error":"#DIV/0!"}},"LIVING COSTS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Brisbane","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1765,"SYD","Sydney"]
[null,null,null,{"$f":"IF(D41>0,IF(G41=0,\"WARNING - ERROR\",\"\"),\"\")","v":""},null,"COLA RATIO:",{"$f":"IF(H38>0,(H38-G41)/(G45-G41),\"\")","v":""},{"$f":"IF(H38>0,(H38-H41)/(H45-H41),\"\")","v":""},"Couple with no children",{"$f":"IF($B$8=0,\"\",IF($B$10>=1,\"\",$BD$7))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI Couple","BRICN",{"$f":"IFERROR('HEM Table'!C50*52,0)","v":28140.122478115671},{"$f":"IFERROR('HEM Table'!D50*52,0)","v":28140.122478115671},{"$f":"IFERROR('HEM Table'!E50*52,0)","v":28855.274161039102},{"$f":"IFERROR('HEM Table'!F50*52,0)","v":29878.753117229091},{"$f":"IFERROR('HEM Table'!G50*52,0)","v":31881.169008832858},{"$f":"IFERROR('HEM Table'!H50*52,0)","v":34770.282039392827},{"$f":"IFERROR('HEM Table'!I50*52,0)","v":38903.969100663977},{"$f":"IFERROR('HEM Table'!J50*52,0)","v":42744.513712058593},{"$f":"IFERROR('HEM Table'!K50*52,0)","v":47312.604841380184},{"$f":"IFERROR('HEM Table'!L50*52,0)","v":49590.737739931224},{"$f":"IFERROR('HEM Table'!M50*52,0)","v":52101.969853757008},{"$f":"IFERROR('HEM Table'!N50*52,0)","v":58644.873247316413},{"$f":"IFERROR('HEM Table'!O50*52,0)","v":64922.533116105114},{"$f":"IFERROR('HEM Table'!P50*52,0)","v":67080.770338472794},{"$f":"IFERROR('HEM Table'!P50*52,0)","v":67080.770338472794},null,null,null,1790,"SYD","Sydney"]
[null,null,null,null,null,"Net Servicing Ratio (NSR)",null,{"$f":"H51","v":""},"Couple with 1 child",{"$f":"IF($B$8>=2,IF($B$10=1,$BA$11,\"\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI C child","BRICY",{"$f":"IFERROR('HEM Table'!C51*52,0)","v":33335.697633758464},{"$f":"IFERROR('HEM Table'!D51*52,0)","v":33335.697633758464},{"$f":"IFERROR('HEM Table'!E51*52,0)","v":33335.697633758464},{"$f":"IFERROR('HEM Table'!F51*52,0)","v":34358.20962260355},{"$f":"IFERROR('HEM Table'!G51*52,0)","v":36358.732725131347},{"$f":"IFERROR('HEM Table'!H51*52,0)","v":39245.114813729466},{"$f":"IFERROR('HEM Table'!I51*52,0)","v":43374.896411751353},{"$f":"IFERROR('HEM Table'!J51*52,0)","v":47211.806906480204},{"$f":"IFERROR('HEM Table'!K51*52,0)","v":51775.583866629182},{"$f":"IFERROR('HEM Table'!L51*52,0)","v":54051.56239599979},{"$f":"IFERROR('HEM Table'!M51*52,0)","v":56560.417887271695},{"$f":"IFERROR('HEM Table'!N51*52,0)","v":63097.141372839113},{"$f":"IFERROR('HEM Table'!O51*52,0)","v":69368.867266536981},{"$f":"IFERROR('HEM Table'!P51*52,0)","v":71525.064409291357},{"$f":"IFERROR('HEM Table'!P51*52,0)","v":71525.064409291357},null,null,null,1800,"SYD","Sydney"]
["  MAXIMUM LOAN AMOUNT",{"$f":"PV(E7/12,B7,-(H38-H40-H41-H53*H43)/(H53*12),0,0)","v":0},null,null,null,"HLN Minimum NSR",1.25,1,"Couple with 2 children",{"$f":"IF($B$8>=2,IF($B$10=2,$BA$11,\"\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI C child2","BRICY2",{"$f":"IFERROR('HEM Table'!C52*52,0)","v":37130.155965604383},{"$f":"IFERROR('HEM Table'!D52*52,0)","v":37130.155965604383},{"$f":"IFERROR('HEM Table'!E52*52,0)","v":37130.155965604383},{"$f":"IFERROR('HEM Table'!F52*52,0)","v":38153.830320540343},{"$f":"IFERROR('HEM Table'!G52*52,0)","v":40156.628047237195},{"$f":"IFERROR('HEM Table'!H52*52,0)","v":43046.290823433221},{"$f":"IFERROR('HEM Table'!I52*52,0)","v":47180.767054031188},{"$f":"IFERROR('HEM Table'!J52*52,0)","v":51022.039252780574},{"$f":"IFERROR('HEM Table'!K52*52,0)","v":55591.000364827953},{"$f":"IFERROR('HEM Table'!L52*52,0)","v":57869.570964453844},{"$f":"IFERROR('HEM Table'!M52*52,0)","v":60381.277501046097},{"$f":"IFERROR('HEM Table'!N52*52,0)","v":66925.431770612078},{"$f":"IFERROR('HEM Table'!O52*52,0)","v":73204.283369898636},{"$f":"IFERROR('HEM Table'!P52*52,0)","v":75362.935459478147},{"$f":"IFERROR('HEM Table'!P52*52,0)","v":75362.935459478147},null,null,null,1805,"SYD","Sydney"]
[null,null,null,null,null,"PLN Minimium NSR",null,1,"Couple with 3 or more children",{"$f":"IF($B$8>=2,IF($B$10>=3,$BA$11,\"\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI C child3","BRICY3",{"$f":"IFERROR('HEM Table'!C53*52,0)","v":41548.206863242347},{"$f":"IFERROR('HEM Table'!D53*52,0)","v":41548.206863242347},{"$f":"IFERROR('HEM Table'!E53*52,0)","v":41548.206863242347},{"$f":"IFERROR('HEM Table'!F53*52,0)","v":41548.206863242347},{"$f":"IFERROR('HEM Table'!G53*52,0)","v":43554.346074415327},{"$f":"IFERROR('HEM Table'!H53*52,0)","v":46448.832602176968},{"$f":"IFERROR('HEM Table'!I53*52,0)","v":50590.204937316026},{"$f":"IFERROR('HEM Table'!J53*52,0)","v":54437.889749487207},{"$f":"IFERROR('HEM Table'!K53*52,0)","v":59014.475810641343},{"$f":"IFERROR('HEM Table'!L53*52,0)","v":61296.848542911917},{"$f":"IFERROR('HEM Table'!M53*52,0)","v":63812.745273460096},{"$f":"IFERROR('HEM Table'!N53*52,0)","v":70367.815591858001},{"$f":"IFERROR('HEM Table'!O53*52,0)","v":76657.14822749616},{"$f":"IFERROR('HEM Table'!P53*52,0)","v":78819.398505752368},{"$f":"IFERROR('HEM Table'!P53*52,0)","v":78819.398505752368},null,null,null,1811,"SYD","Sydney"]
[null,null,null,null,null,null,null,null,"Single with no children",{"$f":"IF($B$8=0,\"\",IF($B$8>=2,\"\",IF($B$10>=1,\"\",$BA$7)))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI Single","BRISN",{"$f":"IFERROR('HEM Table'!C54*52,0)","v":13775.470179754211},{"$f":"IFERROR('HEM Table'!D54*52,0)","v":14661.760338725164},{"$f":"IFERROR('HEM Table'!E54*52,0)","v":15377.963106296316},{"$f":"IFERROR('HEM Table'!F54*52,0)","v":16402.947921206316},{"$f":"IFERROR('HEM Table'!G54*52,0)","v":18408.309765364305},{"$f":"IFERROR('HEM Table'!H54*52,0)","v":21301.672430133109},{"$f":"IFERROR('HEM Table'!I54*52,0)","v":25441.441913010643},{"$f":"IFERROR('HEM Table'!J54*52,0)","v":29287.633389468036},{"$f":"IFERROR('HEM Table'!K54*52,0)","v":33862.447423470119},{"$f":"IFERROR('HEM Table'!L54*52,0)","v":36143.932596276194},{"$f":"IFERROR('HEM Table'!M54*52,0)","v":38658.855090934376},{"$f":"IFERROR('HEM Table'!N54*52,0)","v":45211.38649456211},{"$f":"IFERROR('HEM Table'!O54*52,0)","v":51498.27937832132},{"$f":"IFERROR('HEM Table'!P54*52,0)","v":53659.691538730716},{"$f":"IFERROR('HEM Table'!P54*52,0)","v":53659.691538730716},null,null,null,1825,"SYD","Sydney"]
[null,null,null,null,null,null,null,null,"Single with 1 child",{"$f":"IF($B$8>=2,\"\",IF($B$10=1,$BA$11,\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI S child","BRISY",{"$f":"IFERROR('HEM Table'!C55*52,0)","v":19889.462656912299},{"$f":"IFERROR('HEM Table'!D55*52,0)","v":19889.462656912299},{"$f":"IFERROR('HEM Table'!E55*52,0)","v":20604.498013153698},{"$f":"IFERROR('HEM Table'!F55*52,0)","v":21627.811312374684},{"$f":"IFERROR('HEM Table'!G55*52,0)","v":23629.902161722854},{"$f":"IFERROR('HEM Table'!H55*52,0)","v":26518.545737570013},{"$f":"IFERROR('HEM Table'!I55*52,0)","v":30651.562277192414},{"$f":"IFERROR('HEM Table'!J55*52,0)","v":34491.482992697245},{"$f":"IFERROR('HEM Table'!K55*52,0)","v":39058.833565010544},{"$f":"IFERROR('HEM Table'!L55*52,0)","v":41336.597624132883},{"$f":"IFERROR('HEM Table'!M55*52,0)","v":43847.42018487888},{"$f":"IFERROR('HEM Table'!N55*52,0)","v":50389.264377141066},{"$f":"IFERROR('HEM Table'!O55*52,0)","v":56665.901390077561},{"$f":"IFERROR('HEM Table'!P55*52,0)","v":58823.78827648468},{"$f":"IFERROR('HEM Table'!P55*52,0)","v":58823.78827648468},null,null,null,1835,"SYD","Sydney"]
["Important - Please Note: This Quick Qualifier was prepared by Auswide Bank (ABN 40 087 652 060) to provide an estimate as to  ",null,null,null,null,null,null,null,"Single with 2 chilcren",{"$f":"IF($B$8>=2,\"\",IF($B$10=2,$BA$11,\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI S child2","BRISY2",{"$f":"IFERROR('HEM Table'!C56*52,0)","v":25748.780402270131},{"$f":"IFERROR('HEM Table'!D56*52,0)","v":25748.780402270131},{"$f":"IFERROR('HEM Table'!E56*52,0)","v":26461.8692807138},{"$f":"IFERROR('HEM Table'!F56*52,0)","v":27482.396084198022},{"$f":"IFERROR('HEM Table'!G56*52,0)","v":29479.0366266975},{"$f":"IFERROR('HEM Table'!H56*52,0)","v":32359.813824950717},{"$f":"IFERROR('HEM Table'!I56*52,0)","v":36481.579948061844},{"$f":"IFERROR('HEM Table'!J56*52,0)","v":40311.043912008849},{"$f":"IFERROR('HEM Table'!K56*52,0)","v":44865.961573338158},{"$f":"IFERROR('HEM Table'!L56*52,0)","v":47137.522402576971},{"$f":"IFERROR('HEM Table'!M56*52,0)","v":49641.512000867238},{"$f":"IFERROR('HEM Table'!N56*52,0)","v":56165.542852065097},{"$f":"IFERROR('HEM Table'!O56*52,0)","v":62425.095254691056},{"$f":"IFERROR('HEM Table'!P56*52,0)","v":64577.107194343211},{"$f":"IFERROR('HEM Table'!P56*52,0)","v":64577.107194343211},null,null,null,1851,"SYD","Sydney"]
[" whether a loan application meets Auswide Bank's loan servicing criteria.",null,null,null,null,null,null,null,"Single with 3 or more children",{"$f":"IF($B$8>=2,\"\",IF($B$10>=3,$BA$11,\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BRI S child3","BRISY3",{"$f":"IFERROR('HEM Table'!C57*52,0)","v":32319.240548273898},{"$f":"IFERROR('HEM Table'!D57*52,0)","v":32319.240548273898},{"$f":"IFERROR('HEM Table'!E57*52,0)","v":32319.240548273898},{"$f":"IFERROR('HEM Table'!F57*52,0)","v":33336.980856021357},{"$f":"IFERROR('HEM Table'!G57*52,0)","v":35328.171091672149},{"$f":"IFERROR('HEM Table'!H57*52,0)","v":38201.081912331414},{"$f":"IFERROR('HEM Table'!I57*52,0)","v":42311.597618931271},{"$f":"IFERROR('HEM Table'!J57*52,0)","v":46130.604831320452},{"$f":"IFERROR('HEM Table'!K57*52,0)","v":50673.089581665772},{"$f":"IFERROR('HEM Table'!L57*52,0)","v":52938.44718102106},{"$f":"IFERROR('HEM Table'!M57*52,0)","v":55435.60381685559},{"$f":"IFERROR('HEM Table'!N57*52,0)","v":61941.821326989128},{"$f":"IFERROR('HEM Table'!O57*52,0)","v":68184.289119304551},{"$f":"IFERROR('HEM Table'!P57*52,0)","v":70330.426112201749},{"$f":"IFERROR('HEM Table'!P57*52,0)","v":70330.426112201749},null,null,null,1860,"SYD","Sydney"]
["This estimate will be considered with Auswide Bank's credit policies and lending guidelines in determining the applicant's suitability for credit.",null,null,null,null,null,null,null,"Additional Single",{"$f":"$BA$9*$B$9","v":0},null,{"$f":"$J$59*(1+$J$61)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Balance of QLD","",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1871,"SYD","Sydney"]
["Accordingly a positive outcome does not constitute any representation that Auswide Bank accepts that the applicant meets Auswide Bank's ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD Couple","QLDCN",{"$f":"IFERROR('HEM Table'!C59*52,0)","v":30784.464362604718},{"$f":"IFERROR('HEM Table'!D59*52,0)","v":30784.464362604718},{"$f":"IFERROR('HEM Table'!E59*52,0)","v":31499.61604552815},{"$f":"IFERROR('HEM Table'!F59*52,0)","v":32523.093084200344},{"$f":"IFERROR('HEM Table'!G59*52,0)","v":34525.510893321894},{"$f":"IFERROR('HEM Table'!H59*52,0)","v":37414.621526984629},{"$f":"IFERROR('HEM Table'!I59*52,0)","v":41548.311464532475},{"$f":"IFERROR('HEM Table'!J59*52,0)","v":45388.85511716819},{"$f":"IFERROR('HEM Table'!K59*52,0)","v":49956.947205248667},{"$f":"IFERROR('HEM Table'!L59*52,0)","v":52235.079145040829},{"$f":"IFERROR('HEM Table'!M59*52,0)","v":54746.311258866612},{"$f":"IFERROR('HEM Table'!N59*52,0)","v":61289.216569943805},{"$f":"IFERROR('HEM Table'!O59*52,0)","v":67566.876438732492},{"$f":"IFERROR('HEM Table'!P59*52,0)","v":69725.111743582398},{"$f":"IFERROR('HEM Table'!P59*52,0)","v":69725.111743582398},null,null,null,1875,"SYD","Sydney"]
["credit policies and lending guidelines.",null,null,null,null,null,null,null,"HPI Inflator",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD C child","QLDCY",{"$f":"IFERROR('HEM Table'!C60*52,0)","v":35977.53994687822},{"$f":"IFERROR('HEM Table'!D60*52,0)","v":35977.53994687822},{"$f":"IFERROR('HEM Table'!E60*52,0)","v":35977.53994687822},{"$f":"IFERROR('HEM Table'!F60*52,0)","v":37000.051935723292},{"$f":"IFERROR('HEM Table'!G60*52,0)","v":39000.575038251096},{"$f":"IFERROR('HEM Table'!H60*52,0)","v":41886.956647922903},{"$f":"IFERROR('HEM Table'!I60*52,0)","v":46016.734414534294},{"$f":"IFERROR('HEM Table'!J60*52,0)","v":49853.648740673634},{"$f":"IFERROR('HEM Table'!K60*52,0)","v":54417.422827264738},{"$f":"IFERROR('HEM Table'!L60*52,0)","v":56693.405188045857},{"$f":"IFERROR('HEM Table'!M60*52,0)","v":59202.259721465132},{"$f":"IFERROR('HEM Table'!N60*52,0)","v":65738.983207032536},{"$f":"IFERROR('HEM Table'!O60*52,0)","v":72010.705269319908},{"$f":"IFERROR('HEM Table'!P60*52,0)","v":74166.906243484787},{"$f":"IFERROR('HEM Table'!P60*52,0)","v":74166.906243484787},null,null,null,1885,"SYD","Sydney"]
["This  Quick Qualifier does not replace credit policy, prudent lending guidelines or responsible lending obligations.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"QLD C child2","QLDCY2",{"$f":"IFERROR('HEM Table'!C61*52,0)","v":39774.99954120061},{"$f":"IFERROR('HEM Table'!D61*52,0)","v":39774.99954120061},{"$f":"IFERROR('HEM Table'!E61*52,0)","v":39774.99954120061},{"$f":"IFERROR('HEM Table'!F61*52,0)","v":40798.67389613657},{"$f":"IFERROR('HEM Table'!G61*52,0)","v":42801.47114336268},{"$f":"IFERROR('HEM Table'!H61*52,0)","v":45691.135837441689},{"$f":"IFERROR('HEM Table'!I61*52,0)","v":49825.609191215182},{"$f":"IFERROR('HEM Table'!J61*52,0)","v":53666.884266789042},{"$f":"IFERROR('HEM Table'!K61*52,0)","v":58235.846337777904},{"$f":"IFERROR('HEM Table'!L61*52,0)","v":60514.415978462304},{"$f":"IFERROR('HEM Table'!M61*52,0)","v":63026.122515054551},{"$f":"IFERROR('HEM Table'!N61*52,0)","v":69570.276784620539},{"$f":"IFERROR('HEM Table'!O61*52,0)","v":75849.128383907097},{"$f":"IFERROR('HEM Table'!P61*52,0)","v":78007.776637720643},{"$f":"IFERROR('HEM Table'!P61*52,0)","v":78007.776637720643},null,null,null,1890,"SYD","Sydney"]
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{"sheet":"HEM Table","index":3,"n_rows":138,"n_cols":17,"rows_kept":138,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"\"HEM Table 1\" equivalent: by Income Level and Residency"]
[null,"Australia","Total current gross HH income from all sources (measured in current dollars)"]
[null,"Range up to:",25000,37000,50000,62000,74000,99000,124000,149000,173000,198000,248000,309000,371000,619000,"NB Upper range shown here"]
[null,"Couple",562.57491210739261,562.57491210739261,576.32779221134729,596.01007983038539,634.51808696467788,690.07794371814964,769.57192566567176,843.4285528078758,931.27645914098332,975.08678094072616,1023.3796140182511,1149.2046977166801,1269.9289259626166,1311.433487931226]
[null,"Couple with 1 child",663.38032491750096,663.38032491750096,663.38032491750096,683.04398017018991,721.51561513621027,777.02292615338069,856.44176619793154,930.22858016214968,1017.9934480225049,1061.7623395759879,1110.0095421417434,1235.7156893370686,1356.3258026774122,1397.7911323457656]
[null,"Couple with 2 children",735.84574336969638,735.84574336969638,735.84574336969638,755.531779436335,794.04711111376037,849.61751223516501,929.1266889570777,1002.997363487344,1090.8620186986686,1134.6805918701768,1182.982714415527,1308.8317612193739,1429.5789811242298,1471.091447543721]
[null,"Couple with 3 children",818.04028761744485,818.04028761744485,818.04028761744485,818.04028761744485,856.61988783230981,912.28301640144707,991.92486596501556,1065.9188046606153,1153.9300565954713,1197.8218214364124,1246.20448781394,1372.2635323985148,1493.2122369300182,1534.7939730503299]
[null,"Single person",286.55288614676402,303.59692074113838,317.37005088673737,337.08129732731436,375.64594817650641,431.28751941880444,510.8984894773975,584.8637194108984,672.84087544288809,716.71562723413217,765.07952136217421,891.08974066270764,1011.991526888846,1053.5571453582577]
[null,"Single parent with 1 child",404.84342358293395,404.84342358293395,418.59407124996642,438.27316394072324,476.7749202609117,532.32575825797244,611.80683634106413,685.65147470272677,773.48512112022763,817.2882945380278,865.57334378314306,991.37805822286316,1112.0826530333061,1153.5804777719043]
[null,"Single parent with 2 children",518.46035592968008,518.46035592968008,532.17360359205827,551.79912823592224,590.19605255328327,645.59565082713073,724.86035638714964,798.50393092433922,886.09846456554044,929.78232666628674,977.93595440276454,1103.3981229255476,1223.7741306683542,1265.158938892687]
[null,"Single parent with 3 children",645.75313593415012,645.75313593415012,645.75313593415012,665.3250925311213,703.61718484565483,758.86554339628901,837.91387643323515,911.35638714595166,998.71180801085325,1042.2763587945456,1090.2985650223859,1215.4181876282319,1335.4656083034024,1376.7374000134698]
[null,"Sydney"]
[null,"Couple",546.22987060872254,546.22987060872254,559.9827507126771,579.66503833171532,618.17304546600781,673.73289300064391,753.22689338583712,827.08350209037019,914.93142686114879,958.74173022322054,1007.0345817384167,1132.8596654368455,1253.583893682782,1295.0884556513915]
[null,"Couple with 1 child",646.13998154846388,646.13998154846388,646.13998154846388,665.80363680115283,704.27527176717308,759.78257357422217,839.20146887950136,912.98826442347683,1000.7531507040749,1044.5219685765865,1092.769263243556,1218.4754104388812,1339.0855237792246,1380.5508166070927]
[null,"Couple with 2 children",719.11610547301609,719.11610547301609,719.11610547301609,738.80210465728976,777.31747321707996,832.88787433848461,912.3970510603973,986.26772559066376,1074.1323808019883,1117.9509539734966,1166.2530949600293,1292.1021417638758,1412.8493616687322,1454.3617912058583]
[null,"Couple with 3 children",804.0870535877574,804.0870535877574,804.0870535877574,804.0870535877574,842.66665380262259,898.32985625957701,977.97161346337396,1051.9655706309279,1139.976822565784,1183.8685874067251,1232.2512537842526,1358.310372256645,1479.2590029003306,1520.8407390206426]
[null,"Single person",269.99400479145447,287.03804400202739,300.81117414762645,320.52242058820343,359.08707143739554,414.72866114448783,494.33959427349225,568.30486113658174,656.28199870377728,700.15673203022686,748.52066308785754,874.53084545880233,995.43263168494082,1036.99832401353]
[null,"Single parent with 1 child",387.56251200199972,387.56251200199972,401.31316427770173,420.99225696845855,459.49400407130798,515.04485128570786,594.52592936879944,668.3705677304622,756.20421414796283,800.00738756576311,848.29243681087826,974.0971328159203,1094.8016907570068,1136.2995892343179]
[null,"Single parent with 2 children",500.22788835639676,500.22788835639676,513.94109924979716,533.56662389366124,571.96354821102216,627.3631464848695,706.62783366039969,780.27142658207811,867.86596022327933,911.54989586198133,959.70345006050354,1085.1656001987976,1205.5416079416041,1246.926452934915]
[null,"Single parent with 3 children",626.56903422189259,626.56903422189259,626.56903422189259,646.14099081886388,684.43309235073639,739.68144168403114,818.72973795199994,892.17228543369401,979.52770629859583,1023.0924041581995,1071.1144633101289,1196.2340675816749,1316.2815251262014,1357.5533166355121]
[null,"Balance of NSW"]
[null,"Couple",574.91647146037769,574.91647146037769,588.66938843967444,608.35167605871254,646.85968319300514,702.41954916531222,781.91353111283433,855.77013981736752,943.61806458814601,987.42829419953341,1035.7212379030848,1161.5463216015139,1282.2705498474504,1323.7750749407176]
[null,"Couple with 1 child",674.79947552264514,674.79947552264514,674.79947552264514,694.46315840569844,732.93475653123312,788.44209517876777,867.86099048404708,941.6477123470512,1029.4125986276492,1073.1814901811322,1121.4286927468877,1247.134913623184,1367.7449532825563,1409.2103566318813]
[null,"Couple with 2 children",747.80816962356255,747.80816962356255,747.80816962356255,767.49416880783622,806.00950048526147,861.57997537139624,941.08915209330883,1014.9597528588453,1102.8244080701697,1146.6430550064081,1194.9451037870283,1320.7942243556049,1441.5413704957311,1483.0539106799524]
[null,"Couple with 3 children",832.82703164234192,832.82703164234192,832.82703164234192,832.82703164234192,871.406631857207,927.06983431416143,1006.7115915179584,1080.7055486855122,1168.7168190923226,1212.6085839332638,1260.9912133668829,1387.0502579514578,1507.9989624829609,1549.5806986032726]
[null,"Single person",298.72282437179854,315.76686358237146,329.53999372797051,349.25124016854744,387.8158910177396,443.45746226003763,523.0684323186307,597.03366225213153,685.01081828412123,728.88557007536542,777.24946420340723,903.25970196873504,1024.1614881948735,1065.7270697346967]
[null,"Single parent with 1 child",416.24446090846595,416.24446090846595,429.99514544485476,449.67423813561157,488.17599445580004,543.72679558350444,623.20791053595258,697.05251202825877,784.88619531511597,828.68936873291602,876.97438110867506,1002.7790955483952,1123.4836534894816,1164.9814782280801]
[null,"Single parent with 2 children",528.83174473557278,528.83174473557278,542.54499239795098,562.17048027283727,600.56744135917609,655.96700286404564,735.23174519304246,808.87528296125424,896.46985337143326,940.15371547217956,988.30734320865736,1113.7695117314402,1234.1455194742471,1275.5303276985799]
[null,"Single parent with 3 children",655.0948393510472,655.0948393510472,655.0948393510472,674.6667224100629,712.95888826255214,768.20721014458684,847.25557985013234,920.69805389424971,1008.0535114277505,1051.618062211443,1099.6403053086397,1224.7599279144852,1344.8073854590125,1386.0791771690797]
[null,"Melbourne"]
[null,"Couple",567.57299598133488,567.57299598133488,581.32587608528956,601.0081729231631,639.51617083862027,695.07602759209192,774.57002797728501,848.42659980647591,936.27452457725451,980.08482793932626,1028.3776794545224,1154.2028553413065,1274.9270098365589,1316.4316086805106]
[null,"Couple with 1 child",667.46290464331639,667.46290464331639,667.46290464331639,687.12659673649114,725.59819486202582,781.10553350956047,860.52437355411121,934.31118751832946,1022.0760737989275,1065.8449653524103,1114.0921679181658,1239.7983151134911,1360.4084284538346,1401.8737581221881]
[null,"Couple with 2 children",740.46325871369493,740.46325871369493,740.46325871369493,760.14930400092476,798.66463567835001,854.23511056448467,933.74421352166735,1007.6148880519337,1095.4795432632582,1139.2981901994965,1187.600238980117,1313.4492857839634,1434.1965056888196,1475.7089721083107]
[null,"Couple with 3 children",825.46989236831064,825.46989236831064,825.46989236831064,825.46989236831064,864.0495110551301,919.71263962426724,999.35447071588146,1073.3484278834355,1161.3596798182916,1205.2513892433697,1253.6340925648058,1379.6931371493808,1500.641841680884,1542.2235778011959]
[null,"Single person",291.36853451769832,308.41257142017196,322.18570156577096,341.89694800634794,380.46159423934148,436.10319317883096,515.71411707543814,589.67939317092498,677.6565307381203,721.53126406457011,769.89519512220068,895.90537749314535,1016.8071821840782,1058.3728006534898]
[null,"Single parent with 1 child",408.90218206810192,408.90218206810192,422.65282512646479,442.33192703456075,480.83367413741018,536.38451213447092,615.8655994349017,689.71023779656434,777.5438842140652,821.34703919718709,869.63210687698052,995.43674757798794,1116.1413792577873,1157.6392039963855]
[null,"Single parent with 2 children",521.50942341575137,521.50942341575137,535.22267107812957,554.84818652974923,593.24512003935467,648.64471831320191,727.90940548873209,801.55299841041051,889.14747689814499,932.83143092133594,980.98498511985804,1106.4472271805967,1226.8231246164698,1268.2080431477364]
[null,"Single parent with 3 children",647.79251702979434,647.79251702979434,647.79251702979434,667.36444602493771,705.65656594129916,760.90492449193289,839.95321154256249,913.39575902425668,1000.7510695822248,1044.3158226454848,1092.3378633627356,1217.4577067832054,1337.5048699751524,1378.7768822990872]
[null,"Balance of VIC"]
[null,"Couple",604.07639498493347,604.07639498493347,617.82927508888804,637.51156270792615,676.01956984221863,731.57942659569039,811.07340854321251,884.93003568541656,972.77794201852407,1016.5882638182668,1064.8811153334632,1190.7061990318919,1311.4304272778284,1352.9349892464381]
[null,"Couple with 1 child",703.93182633993854,703.93182633993854,703.93182633993854,723.59551843311317,762.06711655864797,817.57442757581839,896.9933044608548,970.78011842507294,1058.5449862854282,1102.31380415794,1150.5610804046667,1276.2672275999917,1396.8773409403352,1438.3426706086889]
[null,"Couple with 2 children",776.97364659025288,776.97364659025288,776.97364659025288,796.6596826568915,835.17502355490808,890.74542467631272,970.25458295704289,1044.1252759284919,1131.9899126986338,1175.8085043113247,1224.1106084154924,1349.9596552193389,1470.706875124195,1512.2193415436864]
[null,"Couple with 3 children",862.04112934870147,862.04112934870147,862.04112934870147,862.04112934870147,900.62072956356656,956.28393202052109,1035.9257076962724,1109.919646391872,1197.9309167986823,1241.8226816396232,1290.2053480171512,1416.2644664895436,1537.2130971332292,1578.7948701974497]
[null,"Single person",327.92562599062762,344.96966520120048,358.74279534679954,378.45404178737653,417.01869263656863,472.66028234366098,552.27121547266529,626.23647310335775,714.21362913534745,758.08834399700288,806.45229351942783,932.46251281996126,1053.3642621165111,1094.9299175155113]
[null,"Single parent with 1 child",445.39964643836811,445.39964643836811,459.15029871407017,478.82939140482694,517.33114772501551,572.88198572207614,652.36307302250702,726.20769294949162,814.04135780167042,857.84451278479241,906.12952516055122,1031.9342764696278,1152.6389081494269,1194.136696018669]
[null,"Single parent with 2 children",557.90755852185578,557.90755852185578,571.62076941525618,591.24629405912026,629.64321837648129,685.04282584257305,764.30751301810312,837.95110593978166,925.54562119649393,969.22955683519592,1017.3831294182071,1142.8452795565011,1263.2212872993077,1304.6061322926182]
[null,"Single parent with 3 children",684.09124011644212,684.09124011644212,684.09124011644212,703.66319671341353,741.95528902794706,797.20366596306997,876.25195301369922,949.69451893007169,1037.0498845913176,1080.6146008855994,1128.6367336758631,1253.7562826433743,1373.8036664491885,1415.0755685665674]
[null,"Brisbane"]
[null,"Couple",541.15620150222446,541.15620150222446,554.9091184815212,574.59140610055942,613.09940401601648,668.65926998832356,748.15325193584567,822.00987907804983,909.85778541115735,953.66803346021584,1001.9609587260964,1127.7860239868542,1248.5102522327907,1290.0148142014]
[null,"Couple with 1 child",641.07110834150899,641.07110834150899,641.07110834150899,660.73480043468362,699.20639856021819,754.7137464178744,834.1326233029107,907.91936358615771,995.68430512748421,1039.4531229999959,1087.7003439859941,1213.4065648622907,1334.0166782026342,1375.4820078709877]
[null,"Couple with 2 children",714.04146087700735,714.04146087700735,714.04146087700735,733.7275061642373,772.24284706225376,827.81328506602347,907.32244334675363,981.1930625534726,1069.0576993236145,1112.8763647010355,1161.1784134816558,1287.0275340502321,1407.7746801903584,1449.2872203745796]
[null,"Couple with 3 children",799.00397813927589,799.00397813927589,799.00397813927589,799.00397813927589,837.58357835414097,893.2467808110955,972.88855648684671,1046.8824951824463,1134.8937655892566,1178.7855489021522,1227.168178335771,1353.2272229203463,1474.1759274518492,1515.7576635721609]
[null,"Single person",264.91288807219638,281.95692959086853,295.73005973646764,315.44130617704457,354.00595702623667,409.64754673332902,489.25849832712777,563.22371902823147,651.20091198980992,695.07562685146524,743.43952097950717,869.4497402800406,990.3515265061792,1031.9171449755906]
[null,"Single parent with 1 child",382.48966647908264,382.48966647908264,396.24034640680185,415.91944831489781,454.42119541774719,509.97203341480798,589.4531207152387,663.29774985956237,751.13141471174117,794.93456969486317,843.21961893997843,969.02431494502048,1089.728872886107,1131.2266976247054]
[null,"Single parent with 2 children",495.16885388981024,495.16885388981024,508.88210155218843,528.50761700380815,566.90455051341348,622.30411201828304,701.56884515503543,775.21238292324711,862.80695333342612,906.49081543417253,954.64446155513917,1080.1065933089442,1200.4826010517511,1241.8674460450618]
[null,"Single parent with 3 children",621.52385669757496,621.52385669757496,621.52385669757496,641.09578569271844,679.38790560907978,734.63619062175803,813.68456959483217,887.12701598693184,974.48249195511107,1018.0470611734819,1066.0693041702998,1191.1888716728679,1311.2363292173952,1352.5081944654182]
[null,"Balance of QLD"]
[null,"Couple",592.00893005009073,592.00893005009073,605.76184702938747,625.44409777308351,663.95213256388263,719.5119524420121,799.00598970254759,872.86259840708055,960.71052317785905,1004.5207527892467,1052.8136780551272,1178.6387801912269,1299.3630084371634,1340.8675335304308]
[null,"Couple with 1 child",691.87576820919651,691.87576820919651,691.87576820919651,711.53946030237103,750.01105842790571,805.51839707544048,884.93720027950565,958.72401424372379,1046.4889005243219,1090.2577920778049,1138.5049946435602,1264.2112155198565,1384.821255179229,1426.2866585285537]
[null,"Couple with 2 children",764.90383733078102,764.90383733078102,764.90383733078102,784.58988261801096,823.1052142954361,878.67568918157087,958.18479213875355,1032.05546666902,1119.9201218803444,1163.7387688165827,1212.0408175972029,1337.8899381657795,1458.6370843059058,1500.1495507253969]
[null,"Couple with 3 children",849.95125371200186,849.95125371200186,849.95125371200186,849.95125371200186,888.5308723988212,944.19400096795846,1023.8358320595727,1097.8297892271269,1185.8410411619827,1229.732824474878,1278.1154539084971,1404.1744984930722,1525.1232030245751,1566.704939144887]
[null,"Single person",315.84040655015542,332.884466533622,346.65759206302243,366.3688200388051,404.93347550419577,460.57506521128806,540.18598910789535,614.15126520338197,702.12840277057751,746.0031360970271,794.36706715465778,920.37728645519121,1041.2790542165353,1082.844672685947]
[null,"Single parent with 1 child",433.33414035534952,433.33414035534952,447.08482028306878,466.76388532180835,505.26563242465778,560.81647042171858,640.29759459150557,714.142196083812,801.97584250131274,845.77899748443474,894.06406516422805,1019.8687058652355,1140.573337545035,1182.0711622836332]
[null,"Single parent with 2 children",545.87490133664357,545.87490133664357,559.58811223004398,579.21362768166364,617.61056119126897,673.01015946511643,752.2748466406465,825.91843956232492,913.5129915880151,957.19687207325023,1005.3504998097283,1130.8126683325111,1251.1886760753177,1292.5734842996508]
[null,"Single parent with 3 children",672.09140417701917,672.09140417701917,672.09140417701917,691.66337004151887,729.95548995788022,785.20384850851428,864.25209868978743,937.69468304083784,1025.0501406747176,1068.6147466620657,1116.6369344552286,1241.7566307997868,1361.8040146056005,1403.0758063156684]
[null,"Adelaide"]
[null,"Couple",581.72597354753145,581.72597354753145,595.4788905268282,615.1611781458663,653.6691852801589,709.22904203363055,788.72302398115266,862.57965112335683,950.42755745646434,994.23787925620707,1042.5307123337323,1168.3557960321609,1289.0800242780974,1330.5845862467072]
[null,"Couple with 1 child",681.60253169928114,681.60253169928114,681.60253169928114,701.26622379245589,739.73783112811191,795.24516977564656,874.66404666068297,948.45086062490122,1036.2157284852565,1079.9845463577681,1128.2318410247376,1253.9379882200628,1374.5481015604062,1416.0134312287601]
[null,"Couple with 2 children",754.61895934454844,754.61895934454844,754.61895934454844,774.30504151414323,812.8203824121598,868.39078353356456,947.89994181429472,1021.7705610210136,1109.6352715558855,1153.4538631685764,1201.7559119491966,1327.6050325177732,1448.3522524226296,1489.8647188421207]
[null,"Couple with 3 children",839.64918617508238,839.64918617508238,839.64918617508238,839.64918617508238,878.22878638994746,933.89198884690188,1013.5337645226532,1087.527703218253,1175.5389551531089,1219.4307199940499,1267.8133863715775,1393.8724309561526,1514.8211354876557,1556.4028716079677]
[null,"Single person",305.54234377632491,322.58638298689777,336.35953159729115,356.07075495687519,394.63541042226586,450.27701859415259,529.88795172315702,603.85317242426072,691.83036538583917,735.70508024749438,784.06901130512517,910.07919367606985,1030.9809799022082,1072.5465983716199]
[null,"Single parent with 1 child",423.05285303419754,423.05285303419754,436.80353296191674,456.4826348700127,494.98438197286208,550.53521996992288,630.01631648769262,703.86093641467721,791.69460126685613,835.49775624997812,883.78280549509327,1009.5875015001353,1130.2920594412219,1171.789957918533]
[null,"Single parent with 2 children",535.62160529527762,535.62160529527762,549.33485295765581,568.96036840927547,607.35730191888092,662.75690938497269,742.02159656050287,815.66517109769234,903.25970473889356,946.94356683963997,995.09719457611777,1120.5593447144117,1240.9353524572184,1282.3201974505291]
[null,"Single parent with 3 children",661.86617295339488,661.86617295339488,661.86617295339488,681.43810194853825,719.7302218648997,774.9785988000225,854.02687663331312,927.46940578070746,1014.824808210931,1058.3893774293019,1106.4115836571423,1231.5311879286883,1351.5786454732149,1392.8504369825253]
[null,"Balance of SA"]
[null,"Couple",540.42901975518203,540.42901975518203,554.18189985913659,573.8641874781747,612.3721946124673,667.93205136593895,747.42603331346106,821.28266045566511,909.13056678877274,952.94088858851546,1001.2337585413828,1127.0588422398114,1247.7830704857481,1289.2875955790155]
[null,"Couple with 1 child",640.34462317511509,640.34462317511509,640.34462317511509,660.00830605816816,698.47991339382429,753.98721520087338,833.40609208590979,907.19290605012804,994.9577739104833,1038.7266102032379,1086.9738864499645,1212.6800336452895,1333.2901469856331,1374.7554766539865]
[null,"Couple with 2 children",713.3141498604208,713.3141498604208,713.3141498604208,733.00014904469458,771.51552682507599,827.08592794648064,906.59508622721091,980.46577919865979,1068.3304159688018,1112.1490075814927,1160.4511301268431,1286.3001769306895,1407.0473968355457,1448.5598632550368]
[null,"Couple with 3 children",798.27540731661202,798.27540731661202,798.27540731661202,798.27540731661202,836.8550075314771,892.51820998843152,972.15998566418273,1046.1539243597824,1134.1651762946385,1178.0569780794881,1226.4396075131071,1352.4987259854995,1473.4473566291854,1515.0291666373146]
[null,"Single person",264.18462504266239,281.22865963703669,295.00178978263574,314.71303622321278,353.27768707240483,408.91927677949718,488.5302099085016,562.49548600398828,650.4726235711837,694.34733843283902,742.71128795526408,868.72148879100314,989.62323808755298,1031.1889304161418]
[null,"Single parent with 1 child",381.76260738052162,381.76260738052162,395.51325504755408,415.1923477383109,453.69410405849936,509.24494205556016,588.72602935599082,662.57064928297541,750.40431413515432,794.20746911827632,842.49251836339147,968.29721436843352,1089.0018460482327,1130.4996707868311]
[null,"Single parent with 2 children",494.44376964711716,494.44376964711716,508.15698054051751,527.78250518438165,566.17942950174256,621.57903696783444,700.84372414336451,774.48731706504293,862.0818323217552,905.7657679604572,953.91934054346825,1079.3814722972734,1199.7574800400801,1241.1423250333908]
[null,"Single parent with 3 children",620.80070603348099,620.80070603348099,620.80070603348099,640.3726626304524,678.66475494498582,733.91313188010872,812.9614189307382,886.40398484711045,973.75935050835608,1017.3240668026381,1065.3461627235451,1190.4657302261132,1310.5131140319274,1351.7849792799504]
[null,"Perth"]
[null,"Couple",516.59507564689613,516.59507564689613,530.34799262619288,550.0302802452311,588.53828737952358,644.09810725765317,723.592135299353,797.4487071285439,885.29663189932239,929.10693526139426,977.39980521426139,1103.2249442257034,1223.9490987209556,1265.4536606895651]
[null,"Couple with 1 child",616.53320816741939,616.53320816741939,616.53320816741939,636.19689105047257,674.66848917600726,730.17582782354202,809.59468628833565,883.38148183231101,971.14636811290904,1014.915259666392,1063.1624622321474,1188.8686278477153,1309.4787411880591,1350.9440340159267]
[null,"Couple with 2 children",689.47566663085331,689.47566663085331,689.47566663085331,709.16170269749205,747.67704359550851,803.24743549632205,882.75661221823464,956.62728674850098,1044.4919419598255,1088.3105151313339,1136.6126561178664,1262.4617029217131,1383.2089228265693,1424.7213523636956]
[null,"Couple with 3 children",774.39714604580161,774.39714604580161,774.39714604580161,774.39714604580161,812.9768293844611,868.63995795359824,948.28178904521258,1022.2756723249493,1110.2869242598053,1154.1787075727007,1202.561355478274,1328.6204739506663,1449.569104594352,1491.1509146024814]
[null,"Single person",240.3156170051316,257.35967237239953,271.13280251799858,290.84404895857557,329.40869980776762,385.05027105006565,464.66120417907001,538.62647104215966,626.60362707414936,670.47834193580479,718.84227299343536,844.85249229396879,965.75431544969592,1007.3199339191077]
[null,"Single parent with 1 child",357.93253211835577,357.93253211835577,371.68319822006634,391.36227247614505,429.86406566568985,485.41486679339425,564.89598174584216,638.74058323814859,726.57422965564945,770.37743994280584,818.66245231856476,944.46714832360681,1065.171780003406,1106.6696047420044]
[null,"Single parent with 2 children",470.67857286593824,470.67857286593824,484.39178375933869,504.01730840320272,542.41423272056375,597.81383099441098,677.07853655443012,750.72211109161958,838.31664473282092,882.0005803715228,930.15413457004502,1055.616284708339,1175.9922924511457,1217.3771374444564]
[null,"Single parent with 3 children",597.10036929861099,597.10036929861099,597.10036929861099,616.67234433026033,654.96439977543764,710.2127951954277,789.26109136301807,862.70363894509057,950.05905980999239,993.62372080023977,1041.6458168215254,1166.7654210930712,1286.8128048988854,1328.0846701469084]
[null,"Balance of WA"]
[null,"Couple",575.62886619522112,575.62886619522112,589.38178317451786,609.06404313704945,647.57205027134205,703.13190702481359,782.62592584767788,856.48251611453986,944.33045932298955,988.14068893437707,1036.4336326379284,1162.2587163363571,1282.9829445822938,1324.4875065509034]
[null,"Couple with 1 child",675.51119686442507,675.51119686442507,675.51119686442507,695.17487974747837,733.64647787301294,789.15381652054771,868.57263814485566,942.35943368883102,1030.1243199694293,1073.8932115229122,1122.1404140886675,1247.8466349649639,1368.4566746243361,1409.9220042926897]
[null,"Couple with 2 children",748.52070003238794,748.52070003238794,748.52070003238794,768.20670843725293,806.72203089408697,862.29252422140405,941.80160873740431,1015.6723017088533,1103.5369384789954,1147.3555854152337,1195.6576341958539,1321.5067547644303,1442.2539009045565,1483.7663673240477]
[null,"Couple with 3 children",833.54075101372496,833.54075101372496,833.54075101372496,833.54075101372496,872.12035122858993,927.78347979772718,1007.4253108893413,1081.4192680568954,1169.4305384637057,1213.3223033046468,1261.7049696821744,1387.7640142667494,1508.7126818543441,1550.2944179746557]
[null,"Single person",299.43625324717419,316.48029245774711,330.25344106814049,349.9646690439231,388.52931527691658,444.17091421640612,523.78183811301335,597.74710497610283,685.72426100809264,729.59897586974807,777.96290692737864,903.97314469270646,1024.8749309188449,1066.4405124586679]
[null,"Single parent with 1 child",416.95674000380001,416.95674000380001,430.70738767083242,450.38648957892832,488.88823668177776,544.43907467883855,623.92015276193024,697.76479112359289,785.5984559757718,829.4016109588938,877.68666020400906,1003.4913377743729,1124.1959325848156,1165.693757323414]
[null,"Single parent with 2 children",529.54209381040289,529.54209381040289,543.25530470380329,562.88082015542295,601.27775366502829,656.67734274663121,735.94204830665024,809.58562284383981,897.18019325401883,940.86405535476513,989.01770147573188,1114.4798516140258,1234.8558593568328,1276.2406675811653]
[null,"Single parent with 3 children",655.80322173677416,655.80322173677416,655.80322173677416,675.37515073191753,713.66727064827887,768.91561081442387,847.96394385137023,921.40645456408674,1008.7619305322659,1052.3264997506365,1100.3487427474547,1225.4683654536789,1345.5157861288499,1386.7875778389166]
[null,"Hobart"]
[null,"Couple",588.54281382777162,588.54281382777162,602.29573080706837,621.9780276449419,660.48603477923461,716.04589153270626,795.53987348022827,869.39646374709037,957.24437008019777,1001.0546918799406,1049.3475249574658,1175.1726824065788,1295.896836901831,1337.4014726211249]
[null,"Couple with 1 child",688.41293755279924,688.41293755279924,688.41293755279924,708.07662043585242,746.54821856138722,802.05557562916465,881.4744156737155,955.26121121769097,1043.0260974982889,1086.7949890517718,1135.04221003777,1260.7483572330952,1381.3584705734388,1422.8237634013067]
[null,"Couple with 2 children",761.43710709734557,761.43710709734557,761.43710709734557,781.1231431639842,819.63849328259198,875.20889440399674,954.71805268472679,1028.5887456561757,1116.4533824263178,1160.2720293625562,1208.5740965843588,1334.4231433882053,1455.1703632930614,1496.6828297125528]
[null,"Couple with 3 children",846.47874796150893,846.47874796150893,846.47874796150893,846.47874796150893,885.05834817637401,940.72147674551115,1020.3633078371255,1094.3571911168622,1182.3685169395353,1226.2602078926593,1274.6429481580039,1400.7019927425793,1521.6506972740824,1563.2324333943941]
[null,"Single person",312.3692167851998,329.41325599577272,343.18639075757034,362.89763258194876,401.46227881494224,457.10385928963746,536.71482934823052,610.68005004933411,698.65720608132392,742.531957872568,790.89585200060992,916.90607130114336,1037.8078944568706,1079.373512926282]
[null,"Single parent with 1 child",429.86859137918185,429.86859137918185,443.61927591557065,463.29837782366661,501.80012492651605,557.35092605422051,636.83204100666842,710.67664249897484,798.51030735115376,842.31349920363198,890.5985115793909,1016.4032075844329,1137.1078392642321,1178.6056640028305]
[null,"Single parent with 2 children",542.41879207381385,542.41879207381385,556.13203973619216,575.75751841883391,614.15447950517284,669.55404101004228,748.8187833390391,822.46232110725089,910.056854748452,953.74079038715411,1001.8943445856762,1127.3565682619258,1247.7325024667769,1289.1173474600876]
[null,"Single parent with 3 children",668.64480355681371,668.64480355681371,668.64480355681371,688.21665901400115,726.5088340838297,781.75715596586406,860.80552567140978,934.24799971552693,1021.6034021457502,1065.1680815706763,1113.1901775919614,1238.3099289394186,1358.3571656693216,1399.6290309173446]
[null,"Balance of TAS"]
[null,"Couple",578.58453549393812,578.58453549393812,592.33741559789269,612.01970321693091,650.52770113238785,706.0875578858595,785.5815582710527,859.43816697558577,947.28609174636426,991.09639510843601,1039.3892650613031,1165.214348759732,1285.9385770056688,1327.4431020989359]
[null,"Couple with 1 child",678.46406309856502,678.46406309856502,678.46406309856502,698.12775519173965,736.59935331727434,792.10665512432342,871.52555042960262,945.31234597357809,1033.0772322541759,1076.8460501266879,1125.0933263734146,1250.7994735687396,1371.4095869090831,1412.8749165774366]
[null,"Couple with 2 children",751.47693223170404,751.47693223170404,751.47693223170404,771.16296829834255,809.67829997576791,865.24870109717256,944.75787781908525,1018.6285523493515,1106.4932075606764,1150.311799173367,1198.6139032775347,1324.4629500813815,1445.2101699862374,1486.7226364057285]
[null,"Couple with 3 children",836.50187918056019,836.50187918056019,836.50187918056019,836.50187918056019,875.08147939542516,930.7446818523797,1010.3864390561765,1084.3803962237307,1172.3916666305411,1216.2834314714821,1264.6660609051009,1390.7251793774933,1511.6738100211792,1553.2556200293084]
[null,"Single person",302.39626595353252,319.44030516410544,333.21343530970444,352.9246771340828,391.48933259947347,447.13092230656588,526.7418554355703,600.70712229865978,688.6842598658551,732.55899319230491,780.92292424993548,906.93316201526329,1027.8349113118131,1069.4005667108136]
[null,"Single parent with 1 child",419.91192952335632,419.91192952335632,433.66257719038873,453.34166988114555,491.84342620133413,547.39426419839492,626.8753422814865,700.71998064314926,788.55362706065,832.35680047845017,880.64184972356531,1006.4465272939293,1127.1511589737283,1168.6489837123268]
[null,"Single parent with 2 children",532.48922849770122,532.48922849770122,546.20243939110151,565.82796403496559,604.22488835232662,659.62448662617396,738.88917380170392,812.53276672338245,900.12730036458368,943.81123600328567,991.96480858629673,1117.4269587245908,1237.8029664673973,1279.1877746917303]
[null,"Single parent with 3 children",658.74230159181434,658.74230159181434,658.74230159181434,678.31425818878563,716.60635050331916,771.854709053953,850.90300532192134,924.34555280361565,1011.7009736685173,1055.2656715281212,1103.2877674490283,1228.4073901552524,1348.4547739610662,1389.7265656711338]
[null,"ACT"]
[null,"Couple",588.31544046812326,588.31544046812326,602.06832057207794,621.75060819111604,660.25860610657298,715.81846286004475,795.31246324523795,869.16907194977091,957.01703359589158,1000.8272632072791,1049.1201147224754,1174.9452721715884,1295.6695004175249,1337.1740623861344]
[null,"Couple with 1 child",688.18576990831718,688.18576990831718,688.18576990831718,707.84942516100614,746.32106012702639,801.82836193407547,881.2472203988691,955.03401594284446,1042.7989022234426,1086.5677937769253,1134.8150147629237,1260.521161958249,1381.1312752985925,1422.5965681264604]
[null,"Couple with 2 children",761.20965355258511,761.20965355258511,761.20965355258511,780.89568961922384,819.41102129664898,874.98149618278376,954.49059913996643,1028.361273670233,1116.2259288815574,1160.0445758177957,1208.3466430395986,1334.1956898434451,1454.9429097483012,1496.4553392854275]
[null,"Couple with 3 children",846.25091487680902,846.25091487680902,846.25091487680902,846.25091487680902,884.83051509167399,940.49364366081113,1020.1354747524254,1094.1294319199794,1182.1406838548355,1226.0323748079591,1274.4151150733042,1400.474159657879,1521.4228641893824,1563.0046003096941]
[null,"Single person",312.14148586032223,329.18552507089515,342.95865521649415,362.66989704087257,401.23455250626324,456.87614221335559,536.48706610996283,610.45234220544944,698.42947977264498,742.30421309909457,790.66814415672536,916.67832652767004,1037.5801496833974,1079.1457681528088]
[null,"Single parent with 1 child",429.6412549279251,429.6412549279251,443.39190259495757,463.07099528571439,501.57275160590291,557.12358960296365,636.60466768605522,710.4493060477181,798.28295246521873,842.08612588301889,890.37117512813415,1016.1758342638199,1136.8804659436189,1178.3782906822173]
[null,"Single parent with 2 children",542.19206536430556,542.19206536430556,555.90527625770585,575.53080090157005,613.92772521893096,669.32732349277831,748.59201066830838,822.23560358998691,909.83010046221034,953.51403610091222,1001.6675902994344,1127.1298139756841,1247.5058217184906,1288.8906667118015]
[null,"Single parent with 3 children",668.41864992045407,668.41864992045407,668.41864992045407,687.9906065174257,726.28269883195901,781.53105738259296,860.57935365056153,934.02190113225572,1021.377248459202,1064.9419463188055,1112.9640054707347,1238.0837936875482,1358.1311774933622,1399.4030427413857]
[null,"NT"]
[null,"Couple",588.31544046812326,588.31544046812326,602.06832057207794,621.75060819111604,660.25860610657298,715.81846286004475,795.31246324523795,869.16907194977091,957.01703359589158,1000.8272632072791,1049.1201147224754,1174.9452721715884,1295.6695004175249,1337.1740623861344]
[null,"Couple with 1 child",688.18576990831718,688.18576990831718,688.18576990831718,707.84942516100614,746.32106012702639,801.82836193407547,881.2472203988691,955.03401594284446,1042.7989022234426,1086.5677937769253,1134.8150147629237,1260.521161958249,1381.1312752985925,1422.5965681264604]
[null,"Couple with 2 children",761.20965355258511,761.20965355258511,761.20965355258511,780.89568961922384,819.41102129664898,874.98149618278376,954.49059913996643,1028.361273670233,1116.2259288815574,1160.0445758177957,1208.3466430395986,1334.1956898434451,1454.9429097483012,1496.4553392854275]
[null,"Couple with 3 children",846.25091487680902,846.25091487680902,846.25091487680902,846.25091487680902,884.83051509167399,940.49364366081113,1020.1354747524254,1094.1294319199794,1182.1406838548355,1226.0323748079591,1274.4151150733042,1400.474159657879,1521.4228641893824,1563.0046003096941]
[null,"Single person",312.14148586032223,329.18552507089515,342.95865521649415,362.66989704087257,401.23455250626324,456.87614221335559,536.48706610996283,610.45234220544944,698.42947977264498,742.30421309909457,790.66814415672536,916.67832652767004,1037.5801496833974,1079.1457681528088]
[null,"Single parent with 1 child",429.6412549279251,429.6412549279251,443.39190259495757,463.07099528571439,501.57275160590291,557.12358960296365,636.60466768605522,710.4493060477181,798.28295246521873,842.08612588301889,890.37117512813415,1016.1758342638199,1136.8804659436189,1178.3782906822173]
[null,"Single parent with 2 children",542.19206536430556,542.19206536430556,555.90527625770585,575.53080090157005,613.92772521893096,669.32732349277831,748.59201066830838,822.23560358998691,909.83010046221034,953.51403610091222,1001.6675902994344,1127.1298139756841,1247.5058217184906,1288.8906667118015]
[null,"Single parent with 3 children",668.41864992045407,668.41864992045407,668.41864992045407,687.9906065174257,726.28269883195901,781.53105738259296,860.57935365056153,934.02190113225572,1021.377248459202,1064.9419463188055,1112.9640054707347,1238.0837936875482,1358.1311774933622,1399.4030427413857]

{"sheet":"Version Control","index":4,"n_rows":33,"n_cols":4,"rows_kept":33,"cut":false,"hidden":true,"merged":[]}
["Version","Date","Comment","Approved"]
[1,"2016-06-08","Development of quick qualifier","C. Lonergan"]
[2,"2016-11-01","Amended to include advanced HEM by income band and geographical location","C. Lonergan"]
[3,"2017-08-18","HEM updated to Q2 2017 together with requirement for $200 monthly surplus to allow for savings or unexpected expenses","C. Lonergan"]
[3.1,"2018-02-05","DSR corrected to include overtime for 2nd applicant","C. Lonergan"]
[3.2,"2018-10-02","New tax tables inserted, DSR changed to DTI and min credit card payment changed from 3.0% to 3.8%.","C. Lonergan"]
[4,"2018-12-01","HEM Updated to Q3 2018 ","C. Lonergan"]
[4.0999999999999996,"2019-05-09","HEM Updated to Q4 2018","C. Lonergan"]
[5,"2019-06-01","Floor rate changed to 7%, $200 savings buffer removed and HEM updated t0 Q1 2019","C. Lonergan"]
[6]
[6.1,"2019-08-19","Updated HEM Q2 2019","C. Lonergan"]
[6.1,"2019-09-30","Updated Instructions"]
[6.2,"2019-10-22","Updated Floor rate","C. Lonergan"]
[6.3,"2020-02-28","Updated HEM 2019Q4","C. Lonergan"]
[6.4,"2020-05-18","Updated HEM Q1 2020","C. Lonergan"]
[6.5,"2020-07-01","Macro \"Export to PDF\" button added","C. Lonergan"]
[6.5,"2020-07-08","Doc code AB1298 added","C. Lonergan"]
[7,"2020-08-24","Updated HEM","C. Lonergan"]
[7,"2020-11-27","Update tax calculation in accordance with 2021 budget\nUpdate HEM Q2 2020\nReinstate $200 per month buffer\nRevised Max Loan amount formula to include buffer","C. Lonergan"]
[7.1,"2021-02-16","Update HEM Q4 2020\nRevise Floor rate from 5.4% to 5.25%\nUpdate postcode notes\nUpdate Credit Card repayment notes","C. Lonergan"]
[7.2,"2021-05-17","Update HEM Q1 2021","C. Lonergan"]
[7.3,"2021-08-24","Update HEM Q2 2021","C Lonergan"]
[7.4,"2021-10-26","Increase buffer from 2.5% to 3.0%","C Lonergan"]
[7.5,"2021-11-16","Update HEM Q3 2021 effective 03/12/2021","C Lonergan"]
[7.6,"2022-03-01","Update HEM Q4 2021 effective 11/03/2022","C Lonergan"]
[7.7,"2022-05-13","Update HEM Q1 2022 effective 03/06/2022","C Lonergan"]
[7.7,"2022-06-09","Formula in cell H50 (DTI) updated to round to two decimal places\nCell formatting changed to show red colour when DTI >=6.01, green colour when DTI <=6 (request by Third Party)","C Lonergan"]
[7.8,"2022-07-22","Floor rate increased from 5.25% to 6.25%","C Lonergan"]
[7.9,"2022-08-17","Update HEM Q2 2022 effective 02/09/2022","C Lonergan"]
[8,"2022-11-16","Update HEM Q3 2022 effective 03/12/2022","C Lonergan"]
[9,"2023-02-21","Update HEM Q4 2022 effective 10/03/2023\nRevise floor rate from 6.25% to 7.0%","C Lonergan"]
[10,"2023-05-15","Update HEM Q1 2023 effective 02/06/2023","C Lonergan"]
[10.1,"2023-08-21","Update HEM Q2 2023 effective 08/09/2023","C Lonergan"]

{"sheet":"23 09 Revisions","index":5,"n_rows":2,"n_cols":3,"rows_kept":2,"cut":false,"hidden":true,"merged":[]}
["Revisions (detail)",null,"Cells revised"]
[1,"HEM 2023Q2"]

{"sheet":"Instructions","index":6,"n_rows":56,"n_cols":3,"rows_kept":56,"cut":false,"hidden":true,"merged":[]}
["Instructions"]
[1,"Copy HEM tables workbook to new workbook.  Use this copied file to work on, retaining original for reference."]
[2,"In the copied HEM workbook, and where there is no data included in the low income columns, copy first available amount and past to lower income columns"]
[3,"Check and review blank cells in cols AB/AC/AD to ensure all completed as above"]
[4,"Copy Drop in Tables \"HEM Table 1\" equivalent: by income Level and Residency to new tab HEM workbook"]
[5,"Re-name tab \"Updated Version\""]
[6,"Delete extra rows including any at top of table name, so there is no gaps in the data table"]
[7,"Copy ACT & NT and add to data (Row 135)"]
[8,"Delete NT from first, ACT from second"]
[9,"Highlight data from cells B10:O143","Not required"]
[10,"Remove currency formatting (click on comma in ribbon and extend number of decimal places shown to 4 places, if required)","Not required"]
[11,"Highlight rows from row 9 (Australia) and change font to Arial 10"]
[12,"Copy data from row 10 Couple to new Quick Qualifier HEM Table cell B5 (check cells before each update to ensure correct data range transferred"]
[13,"Enter the upper income range in cell B8 (e.g. $22,000) and copy Income upper range in row 4 Range up to: to new QQ (row 8)"]
[14,"Ensure changed in the Calculator tab as well as HEM Table tab"]
[15,"Check logo size for each version - approved 8.44 x 3.08"]
[16,"Revise floor rate - adjust cells when required","E7\nE13\nE20\nF23\nF24\nF25"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Third Party","Provide copy of unprotected QQ, after DELETING version control, revisions and instructions tabs"]
[null,"AND "]
["Third Party","COPY OF PROTECTED VERSION OF QQ ALSO"]
[]
["Instructions to protect form:"]
["***","Ensure formula calculation set to Automatic not Manual"]
[1,"Hide all tabs except Calculator tab i.e. HEM Table, Version Control, Revisions, Instructions"]
[2,"On Calculator tab, hide columns L-BE"]
[3,"Ensure columns I-J , Y-BE and are hidden, if not already"]
[4,"Click on File, go to Info, click on Protect Workbook"]
[5,"Choose Protect Current Sheet, follow instructions and enter password"]
[6,"Choose Protect Workbook Structure, follow instructions and enter password"]
[7,"Save protected form as \"Quick Qualifier\""]
[8,"Upload protected form to DMS using name \"Quick Qualifier\"  ***Do not change name or links to various documents will not work."]
[]
[]
[]
[]
[]
[]
[]
["Postcodes"]
["QLD 4000"]
["NSW 2000"]
["VIC 3000"]
["SA 5000"]
["WA 6000"]
["TAS 7000"]
["NT 0801"]
["ACT 2600"]

{"sheet":"Sheet1","index":7,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}