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[null,"Kontantpris og kontant vurdering"]
[null,"Ejendom",null,null,null,null,"Skatte%",null,0.4]
[null,"Alternativ",null,null,null,null,"Kalk.rente p.a.",null,0.05]
[null,"Navn",null,null,null,null,"Kalk.rente/termin",null,{"$f":"(1+I3)^0.25-1","v":1.2272234429039353E-2}]
[null,"Aftalt kontantpris",null,null,null,null,"Realkredit - vurdering og belåningsværdi"]
[null,"Fast ejendom",null,null,null,null,"Fast ejendom",null,"incl. staldinventar, grundforbedr. og alm. driftsbehold."]
[null,"Besætning",null,null,null,null,"Besætning"]
[null,"Maskiner",null,null,null,null,"Maskiner, rullende materiel"]
[null,"Staldinventar",null,null,null,null,"Rettigheder"]
[null,"Leveringsrettigheder",null,null,null," ","I alt vurdering af den kontante handelsværdi",null,null,null,null,null,null,{"$f":"SUM(N6:N9)","v":0}]
[null,"Beholdninger",null,null,null,null,"Reduktion for rettigheder",null,null,null,null,null,null,{"$f":"N9*-1","v":0}," - værdi rettighederne "]
[null,"I alt kontantpris",null,null,{"$f":"SUM(E6:E11)","v":0},null,"Reduktion for rullende materiel, SDO/SDRO",null,null,null,null,null,null,{"$f":"IF(ISBLANK(M12),N8*-1,M12)","v":0}," - maskiner medtages ikke ved SDO"]
[null,null,null,null,null,null,"Værdiansættelse, belåningsværdi SDO",null,null,null,null,null,null,{"$f":"N10+N11+N12","v":0}," = realkredit SDO udmåling"]
[null,null,null,null,null,null,"Fast ejendom + 30%",null,null,null,"fast ejd",null,null,{"$f":"N6*1.3","v":0},"beregning af løsørereduktion"]
[null,null,null,null,null,null,"Realkredit belåningsværdi evt. løsørered.",null,null,null,null,null,null,{"$f":"IF(N14<N13,N14,N13)","v":0},"den mindste af de to ovenfor"]
[null,"Finansieringsplan",null,null,null,null,null,null,null,"Annuitet-Serie","Obl-Kontant","Kurs","Rente","Adm.bidrag%","Løbetid år","Afdragsfri år"]
[null,"Realkredit","korr",null,null,"korr"]
[null,"Låne grænse ",0.7," af",{"$f":"N15","v":0},null,{"$f":"IF(ISBLANK(F18),E18*C18,F18)","v":0},null,null,null,null,null,null,null,null,null,"Før skat","Efter skat","Købesum"]
[null,"Lån",null,null,"Fordelings pct.",null,"Kontant",null,"Hovedstol",null,null,null,null,null,null,null,"eff. rente","eff. rente","Indskudshovedstol","antal lån",null,null,"VejEffFør","VejEffEft"]
[null,"Fast rente 30 år",null,null,{"$f":"1-E21-E22-E23-E24","v":0.5},{"$f":"IF(Real1!$P$1=0,\"\",\"Korr\")","v":""},{"$f":"IF(K20=\"k\",I20,I20*L20/100)","v":0},{"$f":"$G$18*E20","v":0},{"$f":"IF(K20=\"o\",ROUND(H20/L20/10,0)*1000,ROUND(H20,-3))","v":0},"a","k",97.061000000000007,0.04,1.2500000000000001E-2,30,null,{"$f":"IF(G20<0.4,0,Real1!$D$9)","v":0},{"$f":"IF(G20<0.4,0,Real1!$D$10)","v":0},{"$f":"IF(K20=\"k\",G20,I20)","v":0},{"$f":"IF(G20>1,1,0)","v":0},null,null,{"$f":"(G20/LånIalt)*Q20","v":{"$error":"#DIV/0!"}},{"$f":"(G20/LånIalt)*R20","v":{"$error":"#DIV/0!"}}]
[null,"Flexkort",null,null,0.5,{"$f":"IF(Real2!$P$1=0,\"\",\"Korr\")","v":""},{"$f":"IF(K21=\"k\",I21,I21*L21/100)","v":0},{"$f":"$G$18*E21","v":0},{"$f":"IF(K21=\"o\",ROUND(H21/L21/10,0)*1000,ROUND(H21,-3))","v":0},"a","k",100.40300000000001,4.2999999999999997E-2,1.2500000000000001E-2,30,10,{"$f":"IF(G21<0.4,0,Real2!$D$9)","v":0},{"$f":"IF(G21<0.4,0,Real2!$D$10)","v":0},{"$f":"IF(K21=\"k\",G21,I21)","v":0},{"$f":"IF(G21>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G21/LånIalt)*R21","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,{"$f":"IF(Real3!$P$1=0,\"\",\"Korr\")","v":""},{"$f":"IF(K22=\"k\",I22,I22*L22/100)","v":0},0,{"$f":"IF(K22=\"o\",ROUND(H22/L22/10,0)*1000,ROUND(H22,-3))","v":0},"a","k",96,0.02,1.2E-2,30,null,{"$f":"IF(G22<0.4,0,Real3!$D$9)","v":0},{"$f":"IF(G22<0.4,0,Real3!$D$10)","v":0},0,{"$f":"IF(G22>1,1,0)","v":0},null,null,{"$f":"(G22/LånIalt)*Q22","v":{"$error":"#DIV/0!"}},{"$f":"(G22/LånIalt)*R22","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,{"$f":"IF(Real4!$P$1=0,\"\",\"Korr\")","v":""},0,0,0,"a","o",99,0.02,1.2500000000000001E-2,30,null,{"$f":"IF(G23<0.4,0,Real4!$D$9)","v":0},{"$f":"IF(G23<0.4,0,Real4!$D$10)","v":0},0,{"$f":"IF(G23>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G23/LånIalt)*R23","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,{"$f":"IF(Real5!$P$1=0,\"\",\"Korr\")","v":""},0,0,0,"a","o",98,0.02,1.2500000000000001E-2,30,null,{"$f":"IF(G24<0.4,0,Real5!$D$9)","v":0},{"$f":"IF(G24<0.4,0,Real5!$D$10)","v":0},0,{"$f":"IF(G24>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G24/LånIalt)*R24","v":{"$error":"#DIV/0!"}}]
[null,"I alt ",null,null,{"$f":"SUM(E20:E24)","v":1},null,{"$f":"SUM(G20:G24)","v":0},{"$f":"SUM(H20:H24)","v":0},{"$f":"SUM(I20:I24)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"SUM(S20:S24)","v":0}]
[null,"Banklån",null,null,null,null,null,null,null,"Ann.-Serie",null,"Kurs","Rente",null,"Løbetid år","Afdragsfri år"]
[null,"Vækstlån"]
[null,"Sælgerpantebrev",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Før skat","Efter skat"]
[null,"Lån",null,null,null,"korr","Kontant",null,"Hovedstol",null,null,null,null,null,null,null,"eff. rente","eff. rente",null,"antal lån",null,null,"VejEffFør","VejEffEft"]
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[null,"EIFO",null,null,{"$f":"IF(Lån7!$P$1=0,\"\",\"Korr\")","v":""},null,{"$f":"I31*L31/100","v":0},{"$f":"F31*L31/100","v":0},{"$f":"ROUND(F31/L31*100,-3)","v":0},"a",null,100,0.1,null,10,null,{"$f":"IF(G31<0.4,0,Lån7!$D$9)","v":0},{"$f":"IF(G31<0.4,0,Lån7!$D$10)","v":0},{"$f":"I31","v":0},{"$f":"IF(G31>1,1,0)","v":0},null,null,{"$f":"(G31/LånIalt)*Q31","v":{"$error":"#DIV/0!"}},{"$f":"(G31/LånIalt)*R31","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,0]
[null,"Etableringslån",null,null,{"$f":"IF(Lån8!$P$1=0,\"\",\"Korr\")","v":""},null,{"$f":"I32*L32/100","v":0},{"$f":"F32*L32/100","v":0},{"$f":"ROUND(F32/L32*100,-3)","v":0},"a",null,100,7.0000000000000007E-2,null,15,null,{"$f":"IF(G32<0.4,0,Lån8!$D$9)","v":0},{"$f":"IF(G32<0.4,0,Lån8!$D$10)","v":0},0,0,null,null,{"$f":"(G32/LånIalt)*Q32","v":{"$error":"#DIV/0!"}},{"$f":"(G32/LånIalt)*R32","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,0]
[null,"Familielån",null,null,{"$f":"IF(Lån9!$P$1=0,\"\",\"Korr\")","v":""},null,0,0,0,"a",null,100,0,null,30,null,{"$f":"IF(G33<0.4,0,Lån9!$D$9)","v":0},{"$f":"IF(G33<0.4,0,Lån9!$D$10)","v":0},{"$f":"I33","v":0},{"$f":"IF(G33>1,1,0)","v":0},null,null,{"$f":"(G33/LånIalt)*Q33","v":{"$error":"#DIV/0!"}},{"$f":"(G33/LånIalt)*R33","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,0]
[null,"Sælgerpantebrev",null,null,{"$f":"IF(Lån10!$P$1=0,\"\",\"Korr\")","v":""},null,0,0,0,"a",null,85,0.09,null,10,null,{"$f":"IF(G34<0.4,0,Lån10!$D$9)","v":0},{"$f":"IF(G34<0.4,0,Lån10!$D$10)","v":0},{"$f":"I34","v":0},{"$f":"IF(G34>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G34/LånIalt)*R34","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,{"$f":"I34","v":0}]
[null,"Finansieringsplan",null,null,null,null,"Kontant",null,"Hovedstol"]
[null,"Gaver","Succession            ",null,{"$f":"IF(G36=0,\"\",G36/$G$44)","v":""},null,null,null,{"$f":"G36","v":0},null,null,null,null,null,null,null,"Før skat","Efter skat",{"$f":"G36","v":0}]
[null,"Restfinansiering, kontant",null,null,{"$f":"IF(G37=0,\"\",G37/$G$44)","v":""},null,{"$f":"G44-G43-G42-G41-G40-G39-G38-G36","v":0},null,{"$f":"G37","v":0},null,null,null,null,null,null,null,"eff. rente","eff. rente",{"$f":"I37","v":0}]
[null,{"$f":"B30","v":"Banklån"},null,null,{"$f":"IF(G38=0,\"\",G38/$G$44)","v":""},null,{"$f":"G30","v":0},null,{"$f":"I30","v":0},null,null,null,null,null,null,"Eff. rente vejet gns.",{"$f":"IF(Kontantpris=0,0,W38)","v":0},{"$f":"IF(Kontantpris=0,0,X38)","v":0},null,{"$f":"SUM(T20:T34)","v":0},"Antal lån i alt",null,{"$f":"SUM(W20:W37)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(X20:X37)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"B31","v":"EIFO"},null,null,{"$f":"IF(G39=0,\"\",G39/$G$44)","v":""},null,{"$f":"G31","v":0},null,{"$f":"I31","v":0}]
[null,"Etableringslån",null,null,"",null,0,null,{"$f":"I32","v":0}]
[null,{"$f":"B33","v":"Familielån"},null,null,{"$f":"IF(G41=0,\"\",G41/$G$44)","v":""},null,{"$f":"G33","v":0},null,{"$f":"I33","v":0}]
[null,{"$f":"B34","v":"Sælgerpantebrev"},null,null,{"$f":"IF(G42=0,\"\",G42/$G$44)","v":""},null,{"$f":"G34","v":0},null,{"$f":"I34","v":0},null,null,null,null,null,null,"KK-saldo primo",{"$f":"IF(G44=0,0,'Omk. & restfinans'!F36)","v":0}]
[null,"Realkredit i alt",null,null,{"$f":"IF(G43=0,\"\",G43/$G$44)","v":""},null,{"$f":"G25","v":0},null,{"$f":"SUM(I20:I24)","v":0},null,null,null,null,null,null,"Opsparing (likvid egenkapital)",{"$f":"'Omk. & restfinans'!F29","v":0},null,null,{"$f":"SUM(T20:T24)","v":0},"Antal realkredit i alt"]
[null,"Kontant pris i alt",null,null,{"$f":"SUM(E36:E43)","v":0},null,{"$f":"E12","v":0},null,{"$f":"SUM(I36:I43)","v":0}," ->",null,{"$f":"Kontantpris-I44","v":0},null,null,null,null,null,null,{"$f":"S37+S36+S34+S33+S30+S25","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(købesum-Kontantpris=0,0.000001,købesum/Kontantpris)","v":9.9999999999999995E-7},"Faktor Købesum/Kontantpris"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kontantværdi lån i alt",null,null,{"$f":"SUM(G38:G43)","v":0}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Afdrag",null,null,null,null,null,null,null,null,null,"Alle","Realkredit",null,null,"Alle"]
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{"sheet":"Omk. & restfinans","index":1,"n_rows":73,"n_cols":24,"rows_kept":73,"cut":false,"hidden":false,"merged":[[4,11,4,14],[52,5,52,6],[14,30,14,31],[15,23,16,23],[15,24,16,24],[15,28,16,28],[15,29,16,29],[15,30,16,30]]}
["Omkostninger, afstemning og aktivering"]
["Ejendom",null,{"$f":"Finansplan!$E2","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Restgæld, hvor låneomkostninger udgiftsføres år 1"]
["Alternativ",null,{"$f":"Finansplan!$E3","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Amortiseret kostpris, hvor låneomkostninger amortiseres i renten"]
["Navn",null,{"$f":"Finansplan!$E4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,1," = Amort, hvis 1 = kontant, 2 = amort",null,{"$f":"Amort*2","v":2},"Formelcelle for at aktivere event calculate, når amort skifter"]
["Skødeomkostninger",null,null,null,null,null,"Købers",null,null,null,null,"Afgiftsgrundlag fast ejendom"]
["Ejendomsmægler",null,null,null,"korr","Sats","andel",null,"Køber","Sælger",null,null,null,"Kontantpris",{"$f":"FastEjendomPris","v":0},null,"Hvis BundFastEjendom > Kontantpris så BundFastEjendom ellers hvis kontantpris > Skøn så Kontantpris ellers skøn"]
["Ejendomsmægler honorar (af kontant pris)",null,null,null,null,{"$f":"IF(ISBLANK(E7),\"1,00%\",E7)","v":"1,00%"},0,null,null,{"$f":"IF(ISBLANK(E7),F7*F71,E7*F71)","v":1.0000000000000002E-6}," + moms",null,null,"Skønnet pris"]
["Advokat og stempel",null,null,null,"korr",null,null,null,null,null,null,null,null,"Off. vurdering",null,null,null,null,"Kontantpris","Skønnet pris","80 % off vurdering","Grundlag"]
["Honorar til købers advokat/ejendomskonsulent",null,null,null,null,{"$f":"IF(ISBLANK(E9),\"0,50%\",\"Korr.\")","v":"0,50%"},1,null,{"$f":"IF(ISBLANK($E9),$F9*Kontantpris*$G$9,E9*$G$9)","v":0},{"$f":"IF(ISBLANK($E9),$F9*Kontantpris*(1-$G$9),E9*(1-$G$9))","v":0},"af kontant pris",null,null,{"$f":"ProcentOffVurdering","v":0.85},{"$f":"Off._vurdering*ProcentOffVurdering","v":0},null,null,null,20000000,null,null,20000000]
["Skøde, variabel tinglysningsafgift ",null,null,null,null,{"$f":"IF(ISBLANK(E10),\"0,60%\",\"Korr.\")","v":"0,60%"},0.5,{"$f":"O10*F10","v":0},{"$f":"IF(ISBLANK(E10),G10*H10,E10*G10)","v":0},{"$f":"IF(ISBLANK(E10),H10*(1-G10),E10*(1-G10))","v":0},"af afgiftsgrundlaget",null,null,"Afgiftsgrundlag",{"$f":"R12","v":0},{"$f":"FastEjendomPris","v":0},"Kontantpris fast ejendom",null,20000000,22000000,18000000,22000000]
["Skøde, fast tinglysningsafgift ",null,null,null,null,{"$f":"IF(Kontantpris>0,TinglysningSkoede,0)","v":0},0.5,null,{"$f":"IF(ISBLANK($E11),$F11*$G$11,$F11*$G$11)","v":0},{"$f":"IF(ISBLANK($E11),$F11*(1-$G$11),$F11*(1-$G$11))","v":0},null,null,null,null,null,{"$f":"SkoenFriHandelPris","v":0},"Skøn fri handels pris, fast ejendom",null,20000000,19000000,18000000,20000000]
["I alt skødeomkostninger (afrundet hele tusinder)",null,null,null,null,null,null,null,{"$f":"ROUND(SUM(I8:I11),-3)","v":0},{"$f":"ROUND(SUM(J8:J11),-3)","v":0},null,null,null,null,null,{"$f":"Off._vurdering*0.8","v":0},"80 % off. ejendomsvurdering",{"$f":"IF(BundFastEjd>KontantFastEjendom,BundFastEjd,IF(KontantFastEjendom>SkoenFriHandelPris,KontantFastEjendom,SkoenFriHandelPris))","v":0},20000000,null,21000000,21000000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000000,21000000,18000000,21000000]
["Låneomkostninger",null,null,null,null,null,"Købers",null,null,null,null,null,null,null,null,null,null,null,20000000,23000000,24000000,24000000]
["Realkredit- og andre lån",null,null,null,"korr","Sats","andel",null,"I alt",null,null,null,null,"standard"]
["Stiftelsesprovision (hovedstol)",null,null,null,null,{"$f":"IF(ISBLANK(E16),StiftelsesprovisionSats,E16)","v":0.01},1,null,{"$f":"(Real1!H32+Real2!H32+Real3!H32+Real4!H32+Real5!H32) *G16","v":0},"af realkredits hovedstole",null,null,null,{"$f":"Q16","v":0},null,"OK",{"$f":"Real1!E75+Real2!E75+Real3!E75+Real4!E75+Real5!E75","v":0},"v"]
["Kurtage (kursværdi)",null,null,null,null,{"$f":"IF(Kontantpris=0,0,I17/(Finansplan!G25))","v":0},1,null,{"$f":"(Real1!H33+Real2!H33+Real3!H33+Real4!H33+Real5!H33)*G17","v":0},"af realkredits kursværdi",null,null,null,{"$f":"Q17","v":0},null,"OK",{"$f":"Real1!H33+Real2!H33+Real3!H33+Real4!H33+Real5!H33","v":0},"v"]
["Vurdering og lånetilbud",null,null,null,null,{"$f":"IF(ISBLANK(E18),VurderingGebyrSats,E18)","v":7500},1,null,{"$f":"(Real1!H34+Real2!H34+Real3!H34+Real4!H34+Real5!H34+Lån6!H34+Lån7!H34+Lån8!H34+Lån9!H34+Lån10!H34)*G18","v":0},"pr. etableret lån",null,null,null,{"$f":"Q18","v":0},null,"OK",{"$f":"Finansplan!T38*VurderingGebyr","v":0},"v"]
["Stempel (hovedstol)",null,null,"Korr. realkredit>",null,{"$f":"StempelSats","v":1.4500000000000001E-2},1,null,{"$f":"(Real1!H35+Real2!H35+Real3!H35+Real4!H35+Real5!H35+Lån6!H35+Lån7!H35+Lån8!H35+Lån9!H35+Lån10!H35)*G19","v":0},"af samtlige låns hovedstole",null,null,null,{"$f":"Q19","v":0},null,"OK",{"$f":"Real1!E76+Real2!E76+Real3!E76+Real4!E76+Real5!E76+Lån6!E76+Lån7!E76+Lån8!E76+Lån9!E76+Lån10!E76","v":0},"v"]
["Tinglysningsgebyr",null,null,null,null,{"$f":"TinglysningPtbr","v":1825},1,null,{"$f":"(Real1!H36+Real2!H36+Real3!H36+Real4!H36+Real5!H36+Lån6!H36+Lån7!H36+Lån8!H36+Lån9!H36+Lån10!H36)*G20","v":0},"pr. etableret lån",null,null,null,{"$f":"Q20","v":0},null,"OK",{"$f":"Finansplan!T38*TinglysningPtbr","v":0},"v"]
["Vækstkaution, stiftelsesomkostninger",null,null,null,null,null,1,null,{"$f":"IF(Finansplan!R69=TRUE,#REF!,0)","v":0}]
["Korrektion af omkostninger",null,null,null,null,null,1,null,null,null,null,null,null,0]
["I alt låneomkostninger",null,null,null,null,null,null,null,{"$f":"SUM(I16:I22)","v":0},null,null,null,null,{"$f":"ROUND(SUM(N16:N22),-3)","v":0},null,null,{"$f":"SUM(Q16:Q22)","v":0}]
["Skøde- og låneomkostninger i alt (afrundet hele tusinder)",null,null,null,null,null,null,null,{"$f":"ROUND(I23+I12,-3)","v":0}]
[]
["Afstemning af kassekredit og egenkapital i åbningsbalancen"]
[]
["Afstemning af likviditet i åbningsbalancen"]
["Købers likvide opsparing",null,null,null,null,null," likvid opsparing på etablerings- og iværksætterkonti + kontant beholdning"]
[" +/- Restbeløb fra Finansplan",null,null,null,null,{"$f":"Finansplan!G37*-1","v":0},{"$f":"IF(F30<0,\" som køber skal betale til sælger\",\" som køber har lånt ekstra\")","v":" som køber har lånt ekstra"}]
[" - købers skødesomkostninger, der aktiveres",null,null,null,null,{"$f":"I12*-1","v":0}," som køber betaler "]
[{"$f":"IF(Amort=1,\" - købers låneomkostninger, der udgiftsføres\",\" - købers låneomkostninger, der amortiseres\")","v":" - købers låneomkostninger, der udgiftsføres"},null,null,null,null,{"$f":"I23*-1","v":0}," som tilbageholdes eller opkræves af långiverne"]
[" = Rest til kassekreditten, likviditet til drift",null,null,null,null,{"$f":"SUM(F29:F32)","v":0}," likviditet til driften - efter betaling af skøde- og låneomkostninger",null,null,null,null,null,null,null,null,null,"Balance data, hele tusinder"]
[{"$f":"IF(Amort=1,\"   som består af\",\"\")","v":"   som består af"}]
[{"$f":"IF(Amort=1,\"   Prioritetsomkostninger i første måned\",\"\")","v":"   Prioritetsomkostninger i første måned"},null,null,null,null,{"$f":"IF(Amort=1,F32,0)","v":0},{"$f":"IF(Amort=1,\" indtastes som prioritetsomkostning første år i BudgetVejlby\",\"\")","v":" indtastes som prioritetsomkostning første år i BudgetVejlby"}]
["   Kassekredit saldo primo BudgetVejlby",null,null,null,null,{"$f":"F33+F35*-1","v":0}," indtastes som primo kassekredit i BudgetVejlby",null,null,null,null,null,null,null,null,null,{"$f":"F36/1000","v":0},{"$f":"A36","v":"   Kassekredit saldo primo BudgetVejlby"}]
[]
[]
["Afstemning af egenkapital i åbningsbalancen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2]
["Landbrugsaktiver, anskaffelsespris",null,null,null,null,{"$f":"N71","v":1E-4}," kontantpris landbrugsaktiver plus aktiverede skødeomkostninger"]
["  + Bil og andre personlige aktiver",null,null,null,null,null," bil og andre aktiver skal tages med over i BudgetVejlby åbningsbalance",null,null,null,null,null,null,null,null,null,{"$f":"F41/1000","v":0},{"$f":"A41","v":"  + Bil og andre personlige aktiver"}]
[{"$f":"IF(Amort=1,\"  - lån hovedstol/restgæld\",\"  - lån nettoprovenu\")","v":"  - lån hovedstol/restgæld"},null,null,null,null,{"$f":"IF(Amort=1,SUM(Finansplan!I38:I43)*-1,SUM(Finansplan!G38:G43)*-1)","v":0},{"$f":"IF(Amort=1,\" lånenes hovedstol overføres til budget\",\" lånenes nettoprovenu overføres til budget, dvs. kontantværdi minus omkostninger\")","v":" lånenes hovedstol overføres til budget"}]
["  - låneomkostninger",null,null,null,null,{"$f":"IF(Amort =1,F32,0)","v":0},{"$f":"IF(Amort=1,\" som køber betaler og udgiftsfører som prioritetsomkostninger\",\"\")","v":" som køber betaler og udgiftsfører som prioritetsomkostninger"}]
["  +/- kassekredit primo",null,null,null,null,{"$f":"F36","v":0}," som ovenfor"]
["  = Egenkapital til drift",null,null,null,null,{"$f":"SUM(F40:F44)","v":1E-4}," den egenkapital, der er at stå imod med driftsmæssigt (efter handlens omkostninger)"]
[{"$f":"IF(Amort=1,\"    som består af\",\"\")","v":"    som består af"}]
[{"$f":"IF(Amort=1,\"    Prioritetsomkostninger i første måned\",\"\")","v":"    Prioritetsomkostninger i første måned"},null,null,null,null,{"$f":"F35","v":0}," tab af egenkapital første måned ved udgiftsførsel af låneomkostninger"]
["  = Egenkapital primo BudgetVejlby",null,null,null,null,{"$f":"F45-F47","v":1E-4}]
[{"$f":"IF(Amort=1,IF(F49>0,\" + Kurstab låneoptagelse\",\" + kursgevinst låneoptagelse\"),\"\")","v":" + kursgevinst låneoptagelse"},null,null,null,null,{"$f":"IF(Amort=1,Finansplan!L44*-1,\"\")","v":0},{"$f":"IF(Amort=1,IF(F49>0,\" kurstabet fra låneoptagelsen er mistet i egenkapital,\",\"  kursgevinsten fra låneoptagelsen er tillagt egenkapitalen\"),\"\")","v":"  kursgevinsten fra låneoptagelsen er tillagt egenkapitalen"}]
[{"$f":"IF(Amort=1,\" = Egenkapital før handlen\",\"\")","v":" = Egenkapital før handlen"},null,null,null,null,{"$f":"IF(Amort=1,F48+F49,\"\")","v":1E-4},{"$f":"IF(Amort=1,\" da lånene ikke overføres som kontantværdi, men som restgæld\",\"\")","v":" da lånene ikke overføres som kontantværdi, men som restgæld"}]
["Aktivering af skødeomkostninger"]
[null,null,null,null,null,null,null,null,"Tinglysning","Advokat",null,null,null,"Anskaffelses-"]
[null,null,null,null,null,"Kontantpris",null,null,"omkostning","berigtigelse",null,null,null,"pris","I alt"]
["Fast ejendom",null,null,null,null,{"$f":"IF(Finansplan!E6=0,0.0001,Finansplan!E6)","v":1E-4},null,null,null,null,null,null,null,null,{"$f":"SUM(N55:N59)","v":1E-4},null,"Anskaffelsespris"]
[" - heraf bygninger",null,null,null,null,null,null,null,{"$f":"ROUND(G55/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G55/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G55+I55+J55","v":0},null,null,{"$f":"N55/1000","v":0},{"$f":"A55","v":" - heraf bygninger"}]
[" - heraf stuehus beboet af ejer",null,null,null,null,null,null,null,{"$f":"ROUND(G56/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G56/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G56+I56+J56","v":0},null,null,0,{"$f":"A56","v":" - heraf stuehus beboet af ejer"}]
[" - heraf udlejede stuehuse",null,null,null,null,null,null,null,{"$f":"ROUND(G57/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G57/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G57+I57+J57","v":0},null,null,0," - heraf udlejede stuehuse"]
[" - heraf grundforbedringer",null,null,null,null,null,null,null,{"$f":"ROUND(G58/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G58/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G58+I58+J58","v":0},null,null,0," - heraf grundforbedringer"]
[" - heraf jord",null,null,null,null,null,{"$f":"F54-G55-G56-G57-G58","v":1E-4},null,{"$f":"I71-I55-I56-I57","v":0},{"$f":"J71-SUM(J55:J57)-SUM(J60:J70)","v":0},null,"→",null,{"$f":"G59+I59+J59","v":1E-4},null,null,1.0000000000000001E-7," - heraf jord"]
["Leveringsrettigheder",null,null,null,null,{"$f":"Finansplan!E10","v":0},null,null,"→",{"$f":"ROUND(F60/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"F60+J60","v":0},{"$f":"N60","v":0},null,0,"Leveringsrettigheder"]
["Inventar",null,null,null,null,{"$f":"Finansplan!E8+Finansplan!E9","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(N62:N64)","v":0}]
[" - heraf inventar markredskaber",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G62/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G62+J62","v":0},null,null,{"$f":"N62/1000","v":0}," - heraf inventar markredskaber"]
[" - heraf inventar husdyrbrug",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G63/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G63+J63","v":0},null,null,{"$f":"N63/1000","v":0}," - heraf inventar husdyrbrug"]
[" - heraf inventar andet",null,null,null,null,null,{"$f":"F61-G62-G63","v":0},null,"→",{"$f":"ROUND(G64/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G64+J64","v":0},null,null,{"$f":"N64/1000","v":0}," - heraf inventar andet"]
["Besætning",null,null,null,null,{"$f":"Finansplan!E7","v":0},null,null,"→",{"$f":"ROUND(F65/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"F65+J65","v":0},{"$f":"N65","v":0},null,{"$f":"N65/1000","v":0},"Besætning"]
["Beholdninger",null,null,null,null,{"$f":"Finansplan!E11","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(N67:N70)","v":0}]
[" - heraf beholdninger egen avl",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G67/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G67+J67","v":0},null,null,{"$f":"N67/1000","v":0}," - heraf beholdninger egen avl"]
[" - heraf beholdning indkøbt foder",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G68/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G68+J68","v":0},null,null,{"$f":"N68/1000","v":0}," - heraf beholdning indkøbt foder"]
[" - heraf jordbeholdninger",null,null,null,null,null,null,null,"→",0,null,"→",null,{"$f":"G69+J69","v":0},null,null,{"$f":"N69/1000","v":0}," - heraf jordbeholdninger"]
[" - heraf andre beholdninger",null,null,null,null,null,{"$f":"F66-G69-G68-G67","v":0},null,"→",{"$f":"ROUND(G70/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G70+J70","v":0},null,null,{"$f":"N70/1000","v":0}," - heraf andre beholdninger"]
["I alt kontant pris",null,null,null,null,{"$f":"F66+F65+F61+F60+F54","v":1E-4},{"$f":"SUM(G55:G70)+F60+F65","v":1E-4},null,{"$f":"ROUND(I10+I11,-3)","v":0},{"$f":"ROUND(I9,-3)","v":0},null,{"$f":"I71+J71","v":0},null,{"$f":"SUM(N54:N70)","v":1E-4},{"$f":"SUM(O54:O70)","v":1E-4}]
[null,null,null,null,null,null,{"$f":"IF(ABS(G71-F71)>0.5,\"FEJL I AFSTEMNINGEN\",\"\")","v":""}]
[null,null,null,null,null,"Omkostninger pr. aktiv er afrundet til hele tusinder"]

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[null,"Ejendom",{"$f":"Finansplan!$E2","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TinglysningPtbr",null,null,1825,"https://domstol.dk/tinglysningsretten/tingboegerne/tinglysningsafgifter/"]
[null,"Alternativ",{"$f":"Finansplan!$E3","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TinglysningSkoede",null,null,1850]
[null,"Navn",{"$f":"Finansplan!$E4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kursskæring/Indskud",null,null,0.01,"Førhen 1 % af hovedstol, nu i stedet brugt til kursskæring"]
[null,{"$f":"Real1!$D$2","v":"Fast rente 30 år"},null,null,{"$f":"Real2!$D$2","v":"Flexkort"},null,null,{"$f":"Real3!$D$2","v":0},null,null,{"$f":"Real4!$D$2","v":0},null,null,{"$f":"Real5!$D$2","v":0},null,null,{"$f":"Finansplan!$B$30","v":"Banklån"},null,null,{"$f":"Finansplan!$B$31","v":"EIFO"},null,null,{"$f":"Finansplan!$B$32","v":"Etableringslån"},null,null,{"$f":"Finansplan!$B$33","v":"Familielån"},null,null,{"$f":"Finansplan!$B$34","v":"Sælgerpantebrev"},null,null,"I alt",null,null,null,null,"MinStiftelse",null,null,10000]
[null,"Real1",null,null,"Real2",null,null,"Real3",null,null,"Real4",null,null,"Real5",null,null,"Lån6",null,null,"Lån7",null,null,"Lån8",null,null,"Lån9",null,null,"Lån10",null,null,"Alle lån",null,null,null,null,"KurtageGrænse",null,null,3000000]
["Primo",{"$f":"IF(Amort=2,Real1!$I$38,IF(Real1!$H$2=\"k\",Real1!$I$31,Real1!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real1!AC85:'Real1'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real2!$I$38,IF(Real2!$H$2=\"k\",Real2!$I$31,Real2!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real2!AC85:'Real2'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real3!$I$38,IF(Real3!$H$2=\"k\",Real3!$I$31,Real3!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real3!AC85:'Real3'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real4!$I$38,IF(Real4!$H$2=\"k\",Real4!$I$31,Real4!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real4!AC85:'Real4'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real5!$I$38,IF(Real5!$H$2=\"k\",Real5!$I$31,Real5!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real5!AC85:'Real5'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån6!$I$38,Lån6!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån6!AC85:'Lån6'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån7!$I$38,Lån7!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån7!AC85:'Lån7'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån8!$I$38,Lån8!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån8!AC85:'Lån8'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån9!$I$38,Lån9!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån9!AC85:'Lån9'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån10!$I$38,Lån10!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån10!AC85:'Lån10'!AC204),0)","v":0},{"$f":"B7+E7+H7+K7+N7+Q7+T7+W7+Z7+AC7","v":0},null,null,{"$f":"Y7+V7+S7+P7+M7+J7+G7+D7+AB7+AE7","v":0}]
["Termin","Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},"Ydelse",{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},null,"KurtageUnder3Sats",null,null,1.5E-3]
[1,{"$f":"Real1!$E$40","v":0},{"$f":"Real1!$F$40","v":0},{"$f":"IF(Amort=2,Real1!AC85,0)","v":0},{"$f":"Real2!$E40","v":0},{"$f":"Real2!$F40","v":0},{"$f":"IF(Amort=2,Real2!AC85,0)","v":0},{"$f":"Real3!$E40","v":0},{"$f":"Real3!$F40","v":0},{"$f":"IF(Amort=2,Real3!AC85,0)","v":0},{"$f":"Real4!$E40","v":0},{"$f":"Real4!$F40","v":0},{"$f":"IF(Amort=2,Real4!AC85,0)","v":0},{"$f":"Real5!$E40","v":0},{"$f":"Real5!$F40","v":0},{"$f":"IF(Amort=2,Real5!AC85,0)","v":0},{"$f":"Lån6!$E40","v":0},{"$f":"Lån6!$F40","v":0},{"$f":"IF(Amort=2,Lån6!AC85,0)","v":0},{"$f":"Lån7!$E40","v":0},{"$f":"Lån7!$F40","v":0},{"$f":"IF(Amort=2,Lån7!AC85,0)","v":0},{"$f":"Lån8!$E40","v":0},{"$f":"Lån8!$F40","v":0},{"$f":"IF(Amort=2,Lån8!AC85,0)","v":0},{"$f":"Lån9!$E40","v":0},{"$f":"Lån9!$F40","v":0},{"$f":"IF(Amort=2,Lån9!AC85,0)","v":0},{"$f":"Lån10!$E40","v":0},{"$f":"Lån10!$F40","v":0},{"$f":"IF(Amort=2,Lån10!AC85,0)","v":0},{"$f":"B9+E9+H9+K9+N9+Q9+T9+W9+Z9+AC9","v":0},{"$f":"C9+F9+I9+L9+O9+R9+U9+X9+AA9+AD9","v":0},{"$f":"AF9+AG9","v":0},{"$f":"Y9+V9+S9+P9+M9+J9+G9+D9+AB9+AE9","v":0},null,"KurtageMinSats",null,null,175]
[2,{"$f":"Real1!E41","v":0},{"$f":"Real1!F41","v":0},{"$f":"IF(Amort=2,Real1!AC86,0)","v":0},{"$f":"Real2!$E41","v":0},{"$f":"Real2!$F41","v":0},{"$f":"IF(Amort=2,Real2!AC86,0)","v":0},{"$f":"Real3!$E41","v":0},{"$f":"Real3!$F41","v":0},{"$f":"IF(Amort=2,Real3!AC86,0)","v":0},{"$f":"Real4!$E41","v":0},{"$f":"Real4!$F41","v":0},{"$f":"IF(Amort=2,Real4!AC86,0)","v":0},{"$f":"Real5!$E41","v":0},{"$f":"Real5!$F41","v":0},{"$f":"IF(Amort=2,Real5!AC86,0)","v":0},{"$f":"Lån6!$E41","v":0},{"$f":"Lån6!$F41","v":0},{"$f":"IF(Amort=2,Lån6!AC86,0)","v":0},{"$f":"Lån7!$E41","v":0},{"$f":"Lån7!$F41","v":0},{"$f":"IF(Amort=2,Lån7!AC86,0)","v":0},{"$f":"Lån8!$E41","v":0},{"$f":"Lån8!$F41","v":0},{"$f":"IF(Amort=2,Lån8!AC86,0)","v":0},{"$f":"Lån9!$E41","v":0},{"$f":"Lån9!$F41","v":0},{"$f":"IF(Amort=2,Lån9!AC86,0)","v":0},{"$f":"Lån10!$E41","v":0},{"$f":"Lån10!$F41","v":0},{"$f":"IF(Amort=2,Lån10!AC86,0)","v":0},{"$f":"B10+E10+H10+K10+N10+Q10+T10+W10+Z10+AC10","v":0},{"$f":"C10+F10+I10+L10+O10+R10+U10+X10+AA10+AD10","v":0},{"$f":"AF10+AG10","v":0},{"$f":"Y10+V10+S10+P10+M10+J10+G10+D10+AB10+AE10","v":0},null,"VurderingGebyrSats",null,null,7500]
[3,{"$f":"Real1!E42","v":0},{"$f":"Real1!F42","v":0},{"$f":"IF(Amort=2,Real1!AC87,0)","v":0},{"$f":"Real2!$E42","v":0},{"$f":"Real2!$F42","v":0},{"$f":"IF(Amort=2,Real2!AC87,0)","v":0},{"$f":"Real3!$E42","v":0},{"$f":"Real3!$F42","v":0},{"$f":"IF(Amort=2,Real3!AC87,0)","v":0},{"$f":"Real4!$E42","v":0},{"$f":"Real4!$F42","v":0},{"$f":"IF(Amort=2,Real4!AC87,0)","v":0},{"$f":"Real5!$E42","v":0},{"$f":"Real5!$F42","v":0},{"$f":"IF(Amort=2,Real5!AC87,0)","v":0},{"$f":"Lån6!$E42","v":0},{"$f":"Lån6!$F42","v":0},{"$f":"IF(Amort=2,Lån6!AC87,0)","v":0},{"$f":"Lån7!$E42","v":0},{"$f":"Lån7!$F42","v":0},{"$f":"IF(Amort=2,Lån7!AC87,0)","v":0},{"$f":"Lån8!$E42","v":0},{"$f":"Lån8!$F42","v":0},{"$f":"IF(Amort=2,Lån8!AC87,0)","v":0},{"$f":"Lån9!$E42","v":0},{"$f":"Lån9!$F42","v":0},{"$f":"IF(Amort=2,Lån9!AC87,0)","v":0},{"$f":"Lån10!$E42","v":0},{"$f":"Lån10!$F42","v":0},{"$f":"IF(Amort=2,Lån10!AC87,0)","v":0},{"$f":"B11+E11+H11+K11+N11+Q11+T11+W11+Z11+AC11","v":0},{"$f":"C11+F11+I11+L11+O11+R11+U11+X11+AA11+AD11","v":0},0,{"$f":"Y11+V11+S11+P11+M11+J11+G11+D11+AB11+AE11","v":0},null,"StempelSats",null,null,1.4500000000000001E-2,"Nedsat fra 1,50 % pr. 1. juli 2019. Nedsættes til 1,25 % pr. 1. januar 2026"]
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["1. år",{"$f":"SUM(B9:B12)","v":0},{"$f":"SUM(C9:C12)","v":0},{"$f":"IF(Amort=2,ROUND((Real1!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real2!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real3!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real4!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real5!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån6!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån7!$AF$88),0),0)","v":0},{"$f":"SUM(W9:W12)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån8!$AF$88),0),0)","v":0},{"$f":"SUM(Z9:Z12)","v":0},{"$f":"SUM(AA9:AA12)","v":0},{"$f":"IF(Amort=2,ROUND((Lån9!$AF$88),0),0)","v":0},{"$f":"SUM(AC9:AC12)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån10!$AF$88),0),0)","v":0},{"$f":"ROUND(B30+E30+H30+K30+N30+Q30+T30+W30+Z30+AC30,0)","v":0},{"$f":"ROUND(C30+F30+I30+L30+O30+R30+U30+X30+AA30+AD30,0)","v":0},{"$f":"AF30+AG30","v":0},{"$f":"IF(Amort=2,(ROUND(D30+G30+J30+M30+P30+S30+V30+Y30+AB30+AE30,0))/1000,0)","v":0}]
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["4. år",{"$f":"SUM(B21:B24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Real1!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real2!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real3!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real4!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real5!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån6!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån7!$AF$100),0),0)","v":0},{"$f":"SUM(W21:W24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån8!$AF$100),0),0)","v":0},{"$f":"SUM(Z21:Z24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån9!$AF$100),0),0)","v":0},{"$f":"SUM(AC21:AC24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån10!$AF$100),0),0)","v":0},0,0,{"$f":"AF33+AG33","v":0},{"$f":"IF(Amort=2,(ROUND(D33+G33+J33+M33+P33+S33+V33+Y33+AB33+AE33,0))/1000,0)","v":0}]
["5. år",{"$f":"SUM(B25:B28)","v":0},{"$f":"SUM(C25:C28)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(Z25:Z28)","v":0},0,0,0,0,{"$f":"IF(Amort=2,ROUND((Lån10!$AF$100),0),0)","v":0},{"$f":"ROUND(B34+E34+H34+K34+N34+Q34+T34+W34+Z34+AC34,0)","v":0},{"$f":"ROUND(C34+F34+I34+L34+O34+R34+U34+X34+AA34+AD34,0)","v":0},{"$f":"AF34+AG34","v":0},{"$f":"IF(Amort=2,(ROUND(D34+G34+J34+M34+P34+S34+V34+Y34+AB34+AE34,0))/1000,0)","v":0}]
[]
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[]
[]
["Stiftelsesprovision (beregnes af hovedstol, min. 10.000))",null,{"$f":"Real1!$H32*-1","v":0},null,null,{"$f":"Real2!$H32*-1","v":0},null,null,{"$f":"Real3!$H32*-1","v":0},null,null,{"$f":"Real4!$H32*-1","v":0},null,null,{"$f":"Real5!$H32*-1","v":0},null,null,{"$f":"Lån6!$H32*-1","v":0},null,null,{"$f":"Lån7!$H32*-1","v":0},null,null,{"$f":"Lån8!$H32*-1","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(C46:X46)","v":0}]
["Kurtage (beregnes af kursværdi)",null,{"$f":"Real1!$H33*-1","v":0},null,null,{"$f":"Real2!$H33*-1","v":0},null,null,{"$f":"Real3!$H33*-1","v":0},null,null,{"$f":"Real4!$H33*-1","v":0},null,null,{"$f":"Real5!$H33*-1","v":0},null,null,{"$f":"Lån6!$H33*-1","v":0},null,null,{"$f":"Lån7!$H33*-1","v":0},null,null,{"$f":"Lån8!$H33*-1","v":0},null,null,null,null,null,null,null,null,0]
["Vurdering og lånetilbud, kr.",null,{"$f":"Real1!$H34*-1","v":0},null,null,{"$f":"Real2!$H34*-1","v":0},null,null,{"$f":"Real3!$H34*-1","v":0},null,null,{"$f":"Real4!$H34*-1","v":0},null,null,{"$f":"Real5!$H34*-1","v":0},null,null,{"$f":"Lån6!$H34*-1","v":0},null,null,{"$f":"Lån7!$H34*-1","v":0},null,null,{"$f":"Lån8!$H34*-1","v":0},null,null,null,null,null,null,null,null,0]
["Stempelafgift, staten (beregnes af hovedstol, opr. hele 100 kr)",null,{"$f":"Real1!$H35*-1","v":0},null,null,{"$f":"Real2!$H35*-1","v":0},null,null,{"$f":"Real3!$H35*-1","v":0},null,null,{"$f":"Real4!$H35*-1","v":0},null,null,{"$f":"Real5!$H35*-1","v":0},null,null,{"$f":"Lån6!$H35*-1","v":0},null,null,{"$f":"Lån7!$H35*-1","v":0},null,null,{"$f":"Lån8!$H35*-1","v":0},null,null,null,null,null,null,null,null,0]
["Tinglysning, staten, kr.",null,{"$f":"Real1!$H36*-1","v":0},null,null,{"$f":"Real2!$H36*-1","v":0},null,null,{"$f":"Real3!$H36*-1","v":0},null,null,{"$f":"Real4!$H36*-1","v":0},null,null,{"$f":"Real5!$H36*-1","v":0},null,null,{"$f":"Lån6!$H36*-1","v":0},null,null,{"$f":"Lån7!$H36*-1","v":0},null,null,{"$f":"Lån8!$H36*-1","v":0},null,null,null,null,null,null,null,null,0]
["Låneomk.",null,{"$f":"SUM(C46:C50)","v":0},null,null,{"$f":"SUM(F46:F50)","v":0},null,null,{"$f":"SUM(I46:I50)","v":0},null,null,{"$f":"SUM(L46:L50)","v":0},null,null,{"$f":"SUM(O46:O50)","v":0},null,null,{"$f":"SUM(R46:R50)","v":0},null,null,{"$f":"SUM(U46:U50)","v":0},null,null,{"$f":"SUM(X46:X50)","v":0},null,null,null,null,null,null,null,{"$f":"SUM(C51:X51)","v":0},0]
[]
["Kurstab",null,{"$f":"Real1!I30*-1","v":0},null,null,{"$f":"Real2!$I30*-1","v":0},null,null,{"$f":"Real3!$I30*-1","v":0},null,null,{"$f":"Real4!$I30*-1","v":0},null,null,{"$f":"Real5!$I30*-1","v":0},null,null,{"$f":"Lån6!$I30*-1","v":0},null,null,{"$f":"Lån7!$I30*-1","v":0},null,null,{"$f":"Lån7!$I30*-1","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(C53:X53)","v":0}]
["Amortisering",null,{"$f":"C51*-1+C53","v":0},null,null,{"$f":"F51*-1+F53","v":0},null,null,{"$f":"I51*-1+I53","v":0},null,null,{"$f":"L51*-1+L53","v":0},null,null,{"$f":"O51*-1+O53","v":0},null,null,{"$f":"R51*-1+R53","v":0},null,null,{"$f":"U51*-1+U53","v":0},null,null,{"$f":"X51*-1+X53","v":0},null,null,null,null,null,null,null,{"$f":"SUM(C54:X54)","v":0},{"$f":"AG51*-1+AG53","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Til kopiering til BudgetVejlby"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Renter og bidrag i alt"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG31/-1000","v":0},"År 2","Der kopieres i makroen med indsæt speciel kun værdier"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG32/-1000","v":0},"År 3","Hvert område har sit eget navn, FVKopi1, FVKopi2 osv."]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG34/-1000","v":0},"År 5"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prioritetsomk"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"N5","v":0},null,{"$f":"-ROUND(N$7/1000,3)","v":0},null,{"$f":"ROUND($N30/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N31/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N32/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N33/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N34/1000,3)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pengeinstitut"]
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{"sheet":"Real1","index":3,"n_rows":205,"n_cols":32,"rows_kept":205,"cut":false,"hidden":false,"merged":[]}
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[null,null,null,{"$f":"Finansplan!B20","v":"Fast rente 30 år"},null,null,null,{"$f":"IF(ISBLANK(G2),Finansplan!K20,G2)","v":"k"},"  k = kontant-, o = obl.lån"]
[null,null,null,{"$f":"IF(H2=\"k\",\"Kontantlån\",\"Obligationslån\")","v":"Kontantlån"},null,null,null,{"$f":"IF(ISBLANK(G3),Finansplan!J20,G3)","v":"a"},"  a = annuitet, s = serielån"]
[null,null,null,{"$f":"IF(H3=\"s\",\"Serielån\",\"Annuitetslån\")","v":"Annuitetslån"},null,null,null,{"$f":"IF(ISBLANK(G4),Finansplan!I20,G4)","v":0},"  hovedstol / restgæld"]
[null,null,null,{"$f":"IF(H6>0,\"med afdragsfrihed\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G5),IF(Finansplan!O20<=50,Finansplan!O20,50),IF(G5<=50,G5,50))","v":30},"  års løbetid",{"$f":"IF(G5>50,\"Max 50 år\",\"\")","v":""}]
[null,null,null,{"$f":"IF(H5>30,\"Grafikken viser kun de første 30 år af ydelsen\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G6),Finansplan!P20,G6)","v":0},"  års afdragsfrihed"]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G7),Finansplan!M20,G7)","v":0.04},{"$f":"IF(H2=\"k\",\"  kontantlånsrente indtastet\", \"  pålydende rente\")","v":"  kontantlånsrente indtastet"},null,null,null,null,null,null,{"$f":"IF(H1>100,1,0)","v":0}]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G8),4,G8)","v":4},"  terminer inden første status"]
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[null,"Effektiv rente efter skat",null,{"$f":"IF($H$2=\"k\",J72,I72)","v":0},{"$f":"IF(H2=\"k\",\"Kontantlånsrente\",\"Nominel rente\")","v":"Kontantlånsrente"},{"$f":"IF(H2=\"k\",ROUND(J66*4,6),H7)","v":0},null,{"$f":"IF(ISBLANK(G10),Finansplan!N20,G10)","v":1.2500000000000001E-2},"  adm.bidrags procent"]
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[null,{"$f":"IF(H2=\"k\",\"\",\"   Kurstab\")","v":""},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",0,I31-I29)","v":0},{"$f":"IF(H4>0,(I29-I31)/I29*-1,0)","v":0}]
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[null,"   Kursskæring/Stiftelsesprovision",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H32/I$29,H32/I$31),0)","v":0},null,{"$f":"IF(H4>0,IF(H2=\"o\",I74,J74),0)","v":0}]
[null,"   Kurtage (beregnes af kursværdi)",null,null,null,{"$f":"H33/(I31+0.0001)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G33),E73,G33))","v":0}]
[null,"   Vurdering og lånetilbud, kr.",null,null,null,{"$f":"IF($I$31=0,0,VurderingGebyrSats)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G34),'Omk. & restfinans'!F18,G34))","v":0}]
[null,"   Stempelafgift, staten (beregnes af hovedstol, opr. hele 100 kr",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H35/I$29,H35/I$31),0)","v":0},null,{"$f":"IF(ISBLANK(G35),IF(H2=\"o\",I73,J73),G35)","v":0}]
[null,"   Tinglysning, staten, kr.",null,null,null,{"$f":"IF($I$31=0,0,TinglysningPtbr)","v":0},null,{"$f":"IF($I$31=0,0,IF(ISBLANK(G36),TinglysningPtbr,G36))","v":0}]
[null,"LÅNEOMKOSTNINGER  I ALT",null,null,null,null,null,{"$f":"SUM(H32:H36)","v":0},{"$f":"H37*-1","v":0},{"$f":"IF(H4>0,I37/I29,0)","v":0}]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":0.01},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"k"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,null,null,{"$f":"IF(H6>0,\"med afdragsfrihed\",\"\")","v":"med afdragsfrihed"},null,null,null,{"$f":"IF(ISBLANK(G5),IF(Finansplan!O21<=50,Finansplan!O21,50),IF(G5<=50,G5,50))","v":30},"  års løbetid",{"$f":"IF(G5>50,\"Max 50 år\",\"\")","v":""}]
[null,null,null,{"$f":"IF(H5>30,\"Grafikken viser kun de første 30 år af ydelsen\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G6),Finansplan!P21,G6)","v":10},"  års afdragsfrihed"]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G7),Finansplan!M21,G7)","v":4.2999999999999997E-2},{"$f":"IF(H2=\"k\",\"  kontantlånsrente indtastet\", \"  pålydende rente\")","v":"  kontantlånsrente indtastet"},null,null,null,null,null,null,{"$f":"IF(H1>100,1,0)","v":1}]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G8),4,G8)","v":4},"  terminer inden første status"]
[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":0},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":0},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent"]
[null,"Effektiv rente efter skat",null,{"$f":"IF($H$2=\"k\",J72,I72)","v":0},{"$f":"IF(H2=\"k\",\"Kontantlånsrente\",\"Nominel rente\")","v":"Kontantlånsrente"},{"$f":"IF(H2=\"k\",ROUND(J66*4,6),H7)","v":4.2999999999999997E-2},null,{"$f":"IF(ISBLANK(G10),Finansplan!N21,G10)","v":1.2500000000000001E-2},"  adm.bidrags procent"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,{"$f":"IF(H2=\"k\",\"Bagvedliggende obligationer\",\"HOVEDSTOL = pålydende = tinglyst gæld\")","v":"Bagvedliggende obligationer"},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",IFERROR(H4/H1*100,0),H4)","v":0},1]
[null,{"$f":"IF(H2=\"k\",\"\",\"   Kurstab\")","v":""},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",0,I31-I29)","v":0},{"$f":"IF(H4>0,(I29-I31)/I29*-1,0)","v":0}]
[null,"KURSVÆRDI, kurs",null,{"$f":"$H$1","v":100.40300000000001},{"$f":"IF(H2=\"k\",\" = HOVEDSTOL = tinglyst gæld\",\"\")","v":" = HOVEDSTOL = tinglyst gæld"},null,null,null,{"$f":"IF(H2=\"k\",H4,ROUND(H4*H1/100,0))","v":0}]
[null,"   Kursskæring/Stiftelsesprovision",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H32/I$29,H32/I$31),0)","v":0},null,{"$f":"IF(H4>0,IF(H2=\"o\",I74,J74),0)","v":0}]
[null,"   Kurtage (beregnes af kursværdi)",null,null,null,{"$f":"H33/(I31+0.0001)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G33),E73,G33))","v":0}]
[null,"   Vurdering og lånetilbud, kr.",null,null,null,{"$f":"IF($I$31=0,0,VurderingGebyrSats)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G34),'Omk. & restfinans'!F18,G34))","v":0}]
[null,"   Stempelafgift, staten (beregnes af hovedstol, opr. hele 100 kr",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H35/I$29,H35/I$31),0)","v":0},null,{"$f":"IF(ISBLANK(G35),IF(H2=\"o\",I73,J73),G35)","v":0}]
[null,"   Tinglysning, staten, kr.",null,null,null,{"$f":"IF($I$31=0,0,TinglysningPtbr)","v":0},null,{"$f":"IF($I$31=0,0,IF(ISBLANK(G36),TinglysningPtbr,G36))","v":0}]
[null,"LÅNEOMKOSTNINGER  I ALT",null,null,null,null,null,{"$f":"SUM(H32:H36)","v":0},{"$f":"H37*-1","v":0},{"$f":"IF(H4>0,I37/I29,0)","v":0}]
[null,"NETTOPROVENU",null,null,null,null,null,null,{"$f":"ROUND(I31+I37,0)","v":0},{"$f":"IF(H4>0,I38/I29*1,0)","v":0}]
[null,"YDELSE","Termin",{"$f":"IF(Amort=1,\"Primo\",\"Forpligtelse\")","v":"Primo"},{"$f":"IF(Amort=1,\"Afdrag\",\"Amort afdrag\")","v":"Afdrag"},{"$f":"IF(Amort=1,\"Rente+bidrag\",\"Amort. rente\")","v":"Rente+bidrag"},null,null,"Afdrag",{"$f":"IF(Amort=2,\"Rente i alt\",\"Rente+bidrag\")","v":"Rente+bidrag"}]
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[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},2,{"$f":"AE86","v":0},0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E41+E40),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F41+F40),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},3,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E40:E42),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F40:F42),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},4,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E40:E43),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F40:F43),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},5,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E41:E44),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F41:F44),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},6,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E42:E45),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F42:F45),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},7,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E43:E46),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F43:F46),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},8,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E44:E47),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F44:F47),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},9,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E45:E48),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F45:F48),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},10,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E46:E49),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F46:F49),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},11,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E47:E50),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F47:F50),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},12,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E48:E51),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F48:F51),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},13,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E49:E52),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F49:F52),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},14,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E50:E53),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F50:F53),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},15,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E51:E54),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F51:F54),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},16,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E52:E55),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F52:F55),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},17,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E53:E56),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F53:F56),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},18,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E54:E57),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F54:F57),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},19,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E55:E58),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F55:F58),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},20,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E56:E59),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F56:F59),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},21,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E57:E60),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F57:F60),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},22,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E58:E61),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F58:F61),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},23,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E59:E62),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F59:F62),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},24,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E60:E63),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F60:F63),\"\")","v":0}]
[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":80},"Kontantlånsrenten pr. termin...........................................................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":1.0749999999999999E-2}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":40},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S204),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":1.0749999999999999E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"k"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret=2"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
["OBLIGATIONSLÅN",null,null,null,null,null,null,null,null,null,"AMORTISERET KOSTPRIS",null,null,null,"KONTANTLÅN",null,null,null,null,null,null,"AMORTISERET KOSTPRIS"]
[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"kontantlån"},null,null,"Forpligtelse","Årlig"]
["T","forpligtelse","Afdrag","Rente","bidrag","før skat",null,"efter skat","før skat",null,"forpligtelse","(Effektiv","serings",null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat",null,"forpligtelse","Effektiv","serings",null,"Termin","Afdrag","Rente",{"$f":"IF(Amort=1,\"Adm.bidrag\",\"Amort. tillæg\")","v":"Adm.bidrag"},"Ydelse efter skat","primo","amortisering"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
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[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
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[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"k"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"kontantlån"},null,null,"Forpligtelse","Årlig"]
["T","forpligtelse","Afdrag","Rente","bidrag","før skat",null,"efter skat","før skat",null,"forpligtelse","(Effektiv","serings",null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat",null,"forpligtelse","Effektiv","serings",null,"Termin","Afdrag","Rente",{"$f":"IF(Amort=1,\"Adm.bidrag\",\"Amort. tillæg\")","v":"Adm.bidrag"},"Ydelse efter skat","primo","amortisering"]
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[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},22,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E58:E61),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F58:F61),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},23,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E59:E62),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F59:F62),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},24,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E60:E63),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F60:F63),\"\")","v":0}]
[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Annuitetsydelse pr. termin ved kontantlån ex. adm.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":5.0000000000000001E-3},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"Obligationslån"},null,null,"Forpligtelse","Årlig"]
["T","forpligtelse","Afdrag","Rente","bidrag","før skat",null,"efter skat","før skat",null,"forpligtelse","(Effektiv","serings",null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat",null,"forpligtelse","Effektiv","serings",null,"Termin","Afdrag","Rente",{"$f":"IF(Amort=1,\"Adm.bidrag\",\"Amort. tillæg\")","v":"Adm.bidrag"},"Ydelse efter skat","primo","amortisering"]
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[7,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,7,0,0,0,0,0]
[8,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,8,0,0,0,0,0,{"$f":"SUM(AC89:AC92)","v":0}]
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[10,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,10,0,0,0,0,0]
[11,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,11,0,0,0,0,0]
[12,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,12,0,0,0,0,0,{"$f":"SUM(AC93:AC96)","v":0}]
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[14,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,14,0,0,0,0,0]
[15,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,15,0,0,0,0,0]
[16,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,16,0,0,0,0,0,{"$f":"SUM(AC97:AC100)","v":0}]
[17,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,17,0,0,0,0,0]
[18,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,18,0,0,0,0,0]
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[28,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,28,0,0,0,0,0]
[29,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,29,0,0,0,0,0]
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[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},14,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E50:E53),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F50:F53),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},15,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E51:E54),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F51:F54),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},16,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E52:E55),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F52:F55),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},17,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E53:E56),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F53:F56),\"\")","v":""}]
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[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},20,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E56:E59),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F56:F59),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},21,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E57:E60),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F57:F60),\"\")","v":""}]
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[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},24,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E60:E63),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F60:F63),\"\")","v":0}]
[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":5.0000000000000001E-3},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"Obligationslån"},null,null,"Forpligtelse","Årlig"]
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[8,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,8,0,0,0,0,0,{"$f":"SUM(AC89:AC92)","v":0}]
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[16,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,16,0,0,0,0,0,{"$f":"SUM(AC97:AC100)","v":0}]
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[18,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,18,0,0,0,0,0]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":40},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":40},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":1.7500000000000002E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":40},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":40},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":2.5000000000000001E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
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[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":60},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":60},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":1.7500000000000002E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
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[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":0},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":0},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":0},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,null,null,{"$f":"IF(H5>30,\"Grafikken viser kun de første 30 år af ydelsen\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G6),Finansplan!P34,G6)","v":0},"  års afdragsfrihed"]
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[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":0},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":0},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":40},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":40},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":2.2499999999999999E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"Vurdering, investering og merværdi",null,null,null,null,null,null,null,"Ejendom",null,{"$f":"Finansplan!E2","v":0}]
[null,"Investeringen foretages ",null,null,6," terminer efter overtagelse",null,null,null,"Alternativ",null,{"$f":"Finansplan!E3","v":0}]
[null,"Realkreditafdrag",null,null,{"$f":"VLOOKUP($E$2,Finansplan!$AC$113:$AR$243,14)","v":0}," år til dato",null,null,null,"Navn",null,{"$f":"Finansplan!E4","v":0}]
[]
[null,"Realkredit - vurdering fra ejerskifte",null,null,null,null,null,null,"Investering",null,null,"Merværdi",null,"Realkredit - vurdering incl merværdi"]
[null,"Fast ejendom",null,"inkl. staldinventar og driftsbeholdninger",null,null,{"$f":"Finansplan!N6","v":0},null,"Fast ejendom/bygn.",null,null,0.75,{"$f":"K6*L6","v":0},"Fast ejendom",null,null,{"$f":"G6+M6+M9","v":0}," inkl. staldinventar"]
[null,"Besætning",null,null,null,null,{"$f":"Finansplan!N7","v":0},null,"Besætning",null,null,1,0,"Besætning",null,null,{"$f":"G7+M7","v":0}]
[null,"Maskiner",null,"ekskl. staldinventar",null,null,{"$f":"Finansplan!N8","v":0},null,"Maskiner",null,null,0.5,0,"Maskiner",null,null,{"$f":"G8+M8","v":0}," ekskl. staldinventar"]
[null,"Rettigheder",null,null,null,null,{"$f":"Finansplan!N9","v":0},null,"Staldinventar",null,null,0.75,0,"Rettigheder",null,null,{"$f":"-G11+M10+M11","v":0}," betalings- og leveringsrettigheder"]
[null,"I alt vurdering af den kontante handelsværdi",null,null,null,null,{"$f":"SUM(G6:G9)","v":0},null,"Leveringsrettigheder",null,null,1,0,"I alt vurdering af den kontante handelsværdi",null,null,{"$f":"SUM(Q6:Q9)","v":0}," =  Vurdering kontantpris"]
[null,"Reduktion for rettigheder",null,null,null,null,{"$f":"Finansplan!N11","v":0},null,"Andre rettigheder",null,null,1,0,"Reduktion for rettigheder",null,null,{"$f":"G11-M11-M10","v":0}," - rettigheder"]
[null,"Reduktion for rullende materiel, SDO/SDRO",null,null,null,null,{"$f":"Finansplan!N12","v":0},null,"Beholdninger",null,null,0,0,"Rullende materiel, SDO/SDRO",null,null,{"$f":"G12-M8","v":0}," - maskiner medtages ikke ved SDO"]
[null,"Værdiansættelse belåningsværdi, SDO",null,null,null,null,{"$f":"Finansplan!N13","v":0},null,"I alt kontant",null,{"$f":"SUM(K6:K12)","v":0},null,{"$f":"SUM(M6:M11)","v":0},"Værdiansættelse SDO",null,null,{"$f":"SUM(Q10:Q12)","v":0}," = belåningsværdi før løsøre tjek"]
[null,"Fast ejendom + 30 %",null,null,null,null,{"$f":"Finansplan!N14","v":0},null,"Indkøringstab",null,null,0,{"$f":"K14*L14","v":0},"Fast ejendom + 30 %",null,null,{"$f":"Q6*1.3","v":0},"beregning af løsørereduktion"]
[null,"Realkredit belåningsværdi evt. løsørereduktion",null,null,null,null,{"$f":"Finansplan!N15","v":0},null,"Likviditetsbehov *",null,{"$f":"K13+K14","v":0},null,{"$f":"M13+M14","v":0},"Realkredit belåningsværdi evt. løsørereduktion",null,null,{"$f":"IF(Q14<Q13,Q14,Q13)","v":0},"den mindste af de to ovenfor"]
[null,"Finansieringsplan - med nye supplerende lån",null,null,null,null,null,null,null,null,{"$f":"IF(Real1!P11=0,\"\",\"Der er manuel korrektion på enkeltlån\")","v":""}]
[null,"Realkredit",null,null,null,"korr"]
[null,"Låne grænse ",0.7,"af",{"$f":"Q15","v":0},null,{"$f":"IF(ISBLANK(F18),IF(C18<=0.7,E18*C18,E18*0.7),F18)","v":0}]
[null,"Eksisterende realkredit, kontantværdi",null,null,null,null,{"$f":"(Finansplan!G43-Supplerende!E3)*-1","v":0},null,"Realkredit fra ejerskifte minus de præsterede afdrag år til dato"]
[null,"Plads til ny realkredit indenfor lånegrænse",null,null,null,null,{"$f":"G18+G19","v":0},null,null,null,null,null,null,null,"Afdragsfrie","Før skat","Efter skat"]
[null,"Lån",null,null,"Fordelings pct.",null,"Kontant","Kontant plads","Hovedstol","o/k","Kurs","Rente","Adm.bidrag","Løbetid","år","eff. rente","eff. rente"]
[null,"F5 30 år",null,null,{"$f":"1-E23-E24-E25","v":1},null,{"$f":"IF(J22=\"k\",I22,I22*K22/100)","v":0},{"$f":"$G$20*E22","v":0},{"$f":"IF(K22=\"o\",ROUND(H22/K22/10,0)*1000,ROUND(H22,-3))","v":0},"k",100,3.22,1.2E-2,30,0]
[null,"Fastforrentet",null,null,0,null,{"$f":"IF(J23=\"k\",I23,I23*K23/100)","v":0},{"$f":"$G$20*E23","v":0},{"$f":"IF(K23=\"o\",ROUND(H23/K23/10,0)*1000,ROUND(H23,-3))","v":0},"o",98,5,1.2500000000000001E-2,30,0]
[null,null,null,null,0,null,0,0,0,"k",97,2.9,1.2500000000000001E-2,30,0]
[null,"Flex lån",null,null,0,null,0,0,0,"k",97,2.9,1.2500000000000001E-2,30,0]
[null,"I alt ",null,null,{"$f":"SUM(E22:E25)","v":1},null,{"$f":"SUM(G22:G25)","v":0},{"$f":"SUM(H22:H25)","v":0},null,null,"Supplerende lån skal laves manuelt og nøgletal indtastes her"]
[null,"Banklån",null,null,null,null,null,null,null,null,"Annu/Serie",null,null,null,null,"Før skat","Efter skat"]
[null,null,null,null,null,"korr","Kontant",null,"Hovedstol",null,"a eller s","Rente",null,"Løbetid",null,"eff. rente","eff. rente"]
[null,{"$f":"IF(K29=\"s\",\"Serielån\",\"Annuitetslån\")","v":"Annuitetslån"},null,null,null,null,{"$f":"I29","v":0},{"$f":"IF(ISBLANK(F29),IF(-G36-G37>0,-G36-G37,0),F29)","v":0},{"$f":"TRUNC(H29/1000,0)*1000","v":0},null,"a",7]
[null,null,null,null,null,null,null,null,null,null,"Annu/Serie",null,null,null,null,"Før skat","Efter skat"]
[null,null,null,null,null,"korr","Kontant",null,"Hovedstol",null,"a eller s","Rente",null,"Løbetid",null,"eff. rente","eff. rente"]
[null,{"$f":"IF(K32=\"s\",\"Serielån\",\"Annuitetslån\")","v":"Annuitetslån"},null,null,null,null,{"$f":"I32","v":0},{"$f":"IF(ISBLANK(F32),0,F32)","v":0},{"$f":"ROUND(H32/1000,0)*1000","v":0},null,"a",7]
[null,"Afstemning",null,null,null,null,null,null,null,null,null,null,null,"Investering",null,null,"Investering",null,{"$f":"TRUNC(($I$40/$Q$41*(Q34+Q36+Q37+Q38+Q39))/1000,0)*1000","v":{"$error":"#DIV/0!"}},"Beregnet sum af aktiverede omk."]
[null," - likviditetsbehov til investeringen",null,null,null,null,{"$f":"-K15","v":0},null,"summen af al kapitalbinding i investeringen *",null,null,null,null,"Jord/bygninger",null,null,{"$f":"K6","v":0},null,{"$f":"IF(T34=$T$44,$S$33-$T$41,0)","v":{"$error":"#DIV/0!"}},{"$f":"TRUNC(($I$40/$Q$41*Q34)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," - stiftelsesomkostninger, nye lån",null,null,null,null,{"$f":"-I40","v":0},null,"stiftelsesomkostninger vedr. nye lån indtastet nedenfor",null,null,null,null,"Besætning",null,null,0,null,{"$f":"IF(T35=$T$44,$S$33-$T$41,0)","v":{"$error":"#DIV/0!"}},0]
[null," = likviditetsbehov i alt",null,null,null,null,{"$f":"G34+G35","v":0},null,"Stiftelsesomk.",null,null,null,null,"Maskiner",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q36)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," + nyt realkredit",null,null,null,null,{"$f":"G26","v":0},null,null,null,null,null,null,"Staldinventar",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q37)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," + bank 3",null,null,null,null,{"$f":"G29","v":0},null,null,null,null,null,null,"Mælkekvote",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q38)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," + bank 4",null,null,null,null,{"$f":"G32","v":0},null,null,null,null,null,null,"Betalingsrettigheder*",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q39)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," =egenfinansieringen (kassekredit)",null,null,null,null,{"$f":"G36+G37+G38+G39","v":0},null,{"$f":"ROUND(SUM(I37:I39)/1000,0)*1000","v":0},"afrundet til hele tusinder",null,null,null,"Beholdninger",null,null,0,null,{"$error":"#DIV/0!"},0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"I alt",null,null,{"$f":"SUM(Q34:Q40)","v":0},null,null,{"$f":"SUM(T34:T40)","v":{"$error":"#DIV/0!"}},"Sum umiddelbart aktiverede"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Prioritetsomkostninger",null,null,{"$f":"I40","v":0}]
[null,{"$f":"Finansplan!R59","v":"© CHA 23.05.2024"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(T34:T40)","v":{"$error":"#DIV/0!"}},"Maks Største af de aktiverede"]

{"sheet":"Periodeomk.","index":14,"n_rows":205,"n_cols":48,"rows_kept":205,"cut":false,"hidden":false,"merged":[]}
[null,null,null,{"$f":"IF(Amort=2,\"Amortiseret kostpris\",\"\")","v":""},null,null,98.295000000000002,{"$f":"IF(ISBLANK(G1),100,G1)","v":98.295000000000002},"  kurs",{"$f":"Finansplan!R59","v":"© CHA 23.05.2024"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Beregning af rentefald på 2 % efter 4 terminer, lån med variabel rente",null,null,null,null,null,null,"Kort rente lån"]
[null,null,null,{"$f":"IF(AV3=1,\" Kort rente lån\",\"Fast rente lån\")","v":" Kort rente lån"},null,null,null,{"$f":"IF(AV3=2, \"o\",\"k\")","v":"k"},"  k = kontant-, o = obl.lån",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kontantlån",null,null,null,null,null,null,"Fast rente lån"]
[null,null,null,{"$f":"IF(H2=\"k\",\"Kontantlån\",\"Obligationslån\")","v":"Kontantlån"},null,null,null,{"$f":"\"a\"","v":"a"},"  a = annuitet",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente per termin",null,{"$f":"$J$66-0.005","v":5.0294256103514722E-3},null,null,null,null,1]
[null,null,null,{"$f":"IF(H3=\"s\",\"Serielån\",\"Annuitetslån\")","v":"Annuitetslån"},null,null,null,{"$f":"IF(ISBLANK(G4),1000000,G4)","v":1000000},"  hovedstol / restgæld",null,null,null,"Periodeomkostninger, tidshorisont 5 år",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Restgæld termin 4",null,{"$f":"AO16","v":982384.84200265282},"kr."]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G5),30,IF(G5<=5,5,G5))","v":30},"  års løbetid",{"$f":"IF(G5>50,\"Max 50 år\",\"\")","v":""},null,null,"Indtast lånet, du vil regne på til venstre",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ydelse pr. termin",null,{"$f":"PMT(AQ3,(H5-1)*4,AQ4)*-1","v":11198.798028228743},"kr."]
[null,null,null,{"$f":"IF(AV3=2,\"Konverterbar obligation\",\"Ikke konverterbar obligation\")","v":"Ikke konverterbar obligation"},null,null,null,{"$f":"IF(ISBLANK(G6),Finansplan!P20,G6)","v":0},"  års afdragsfrihed",null,null,null,"Du skal angive, om det er et fast rente lån eller et kort rente lån",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ydelse efter skat, 20 terminer",null,{"$f":"SUM(AT12:AT31)","v":226115.11933475616},"kr."]
[null,null,null,null,null,null,3.8699999999999998E-2,{"$f":"IF(ISBLANK(G7),5%,G7)","v":3.8699999999999998E-2},{"$f":"IF(H2=\"k\",\"  kontantlånsrente indtastet\", \"  pålydende rente\")","v":"  kontantlånsrente indtastet"},null,null,null,"Hvis det er et fast rente lån, skal lånets varighed indtastes",null,null,null,null,12]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G8),4,G8)","v":4},"  terminer inden første status",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN"]
[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":5.7157067733497158E-2},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":804439.12685100723},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse"]
[null,"Effektiv rente efter skat",null,{"$f":"IF($H$2=\"k\",J72,I72)","v":3.4789630747830369E-2},{"$f":"IF(H2=\"k\",\"Kontantlånsrente\",\"Nominel rente\")","v":"Kontantlånsrente"},{"$f":"IF(H2=\"k\",ROUND(J66*4,6),H7)","v":4.0118000000000001E-2},null,{"$f":"IF(ISBLANK(G10),Finansplan!N20,G10)","v":1.2500000000000001E-2},"  adm.bidrags procent",null,null,null,null,null,-0.02,-0.01,"Uændret","+1%","+2%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Optagelse, provenu",null,{"$f":"P11","v":964675},{"$f":"Q11","v":964675},{"$f":"I38","v":964675},{"$f":"Q11","v":964675},{"$f":"R11","v":964675},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Termin",null,null,null,null,{"$f":"$I$38*-1","v":-964675},{"$f":"$I$38*-1","v":-964675}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Ydelse efter skat",null,{"$f":"IF($AV$3=1,AQ6,SUM(H85:H104))*-1","v":-226115.11933475616},{"$f":"IF($AV$3=1,AQ39,SUM(H85:H104))*-1","v":-234240.65587817316},{"$f":"SUM(AC85:AC104)*-1","v":-246486.74629925372},{"$f":"IF($AV$3=1,AQ72,SUM(H85:H104))*-1","v":-257645.34777681893},{"$f":"IF($AV$3=1,AQ105,SUM(H85:H104))*-1","v":-271480.06360764708},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"S85","v":1000000},{"$f":"T85","v":4338.089224759151},{"$f":"U85","v":10029.425610351473},{"$f":"V85","v":3125},{"$f":"AQ12+AR12+AP12","v":17492.514835110625},{"$f":"AP12+((AR12+AQ12)*(1-$H$9))","v":12230.744590970035}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Indfrielse",null,{"$f":"IF($AV$3=1,AO31-AP31,(B104-C104)*O21/100)*-1","v":-878390.38762453711},{"$f":"IF($AV$3=1,AO64-AP64,(B104-C104)*P21/100)*-1","v":-892081.93452812941},{"$f":"IF($AV$3=1,S104-T104,(B104-C104)*Q21/100)*-1","v":-904452.23333824088},{"$f":"IF($AV$3=1,AO97-AP97,($B$104-$C$104)*R21/100)*-1","v":-915525.43149841123},{"$f":"IF($AV$3=1,AO130-AP130,($B$104-$C$104)*S21/100)*-1","v":-925349.02323655761},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN12+1","v":2},{"$f":"S86","v":995661.91077524086},{"$f":"T86","v":4381.5977679299413},{"$f":"U86","v":9985.9170671806824},{"$f":"V86","v":3111.4434711726281},17478.958306283253,{"$f":"AP13+((AR13+AQ13)*(1-$H$9))","v":12240.014090941928}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Omk. i alt",null,{"$f":"SUM(O11:O13)","v":-139830.50695929327},{"$f":"SUM(P11:P13)","v":-161647.5904063026},{"$f":"SUM(Q11:Q13)","v":-186263.97963749466},{"$f":"SUM(R11:R13)","v":-208495.77927523013},{"$f":"SUM(S11:S13)","v":-232154.08684420469},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN13+1","v":3},991280.31300731096,4425.5426767978752,9941.9721583127484,3097.750978147847,17465.265813258469,12249.376558674232]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV3=2,\"Ved fast rente lån beholdes lånet til ultimo år 5, hvor det indfries til forskellige kurser\",\"Kort rente lånet ændrer rente efter 4 terminer og kører med den nye rente de resterende 16 terminer\")","v":"Kort rente lånet ændrer rente efter 4 terminer og kører med den nye rente de resterende 16 terminer"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,986854.77033051313,4469.9283278602543,9897.5865072503693,3083.9211572828535,17451.435992393475,12258.832926580188]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,{"$f":"AO15-AP15","v":982384.84200265282},{"$f":"$AQ$5-AQ16","v":6257.9665446395156},{"$f":"$AQ$3*AO16","v":4940.831483589227},{"$f":"AO16*$E$72/4","v":3069.9526312582902},14268.750659487032,11064.437013548026]
[null,null,null,null,null,null,null,null,null,null,null,null,"Beregning af kurs og indfrielse af lånet",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,976126.87545801327,{"$f":"$AQ$5-AQ17","v":6289.4405218478487},{"$f":"$AQ$3*AO17","v":4909.3575063808939},{"$f":"AO17*$E$72/4","v":3050.3964858062918},14249.194514035034,11065.292917160161]
[null,null,null,null,null,null,null,null,null,null,null,null,"Optaget kurs",null,{"$f":"H1","v":98.295000000000002},{"$f":"O18","v":98.295000000000002},{"$f":"P18","v":98.295000000000002},{"$f":"Q18","v":98.295000000000002},98.295000000000002,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,969837.43493616546,6321.0727950832124,4877.7252331455302,3030.7419841755172,14229.540012404261,11066.153125475841]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AV3=1,\"Kort rente lån ingen varighed\",\"Varighed i %\")","v":"Kort rente lån ingen varighed"},null,{"$f":"IF(Valg=1,0%,(1+$R$7/100)^2-1)","v":0},{"$f":"IF(Valg = 1,0%,(1+$R$7/100)-1)","v":0},0,{"$f":"IF(Valg = 1,0%,(1-$R$7/100)-1)","v":0},{"$f":"IF(Valg=1,0%,(1-$R$7/100)^2-1)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,963516.3621410823,6352.8641604836994,4845.9338677450432,3010.9886316908824,14209.786659919624,11067.017660145255]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Valg=1,\"\",\"Kurs med varighed\")","v":""},null,{"$f":"IF(Valg=1,\"\",O18*(1+O19))","v":""},{"$f":"IF(Valg=1,\"\",P18*(1+P19))","v":""},{"$f":"IF(Valg=1,\"\",Q18*(1+Q19))","v":""},{"$f":"IF(Valg=1,\"\",R18*(1+R19))","v":""},{"$f":"IF(Valg=1,\"\",S18*(1+S19))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,957163.49798059859,6384.8154181915206,4813.982610037222,2991.1359311893707,14189.933959418115,11067.886542927477]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Valg=1,\"Indfrielseskurs\",\"Indfrielseskurs kattelem?\")","v":"Indfrielseskurs"},null,{"$f":"IF(O20>100,100,O20)","v":100},{"$f":"IF(P20>100,100,P20)","v":100},{"$f":"IF(Q20>100,100,Q20)","v":100},{"$f":"IF(R20>100,100,R20)","v":100},{"$f":"IF(S20>100,100,S20)","v":100},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,950778.68256240711,6416.9273723731394,4781.8706558556032,2971.1833830075225,14169.981411236266,11068.759795691014]
[null,null,null,null,null,null,null,null,null,null,null,null,"Restgæld ultimo år 5",null,{"$f":"IF(Valg=2,$B$105,AO31-AP31)","v":878390.38762453711},{"$f":"IF(Valg=2,$B$105,AO64-AP64)","v":892081.93452812941},{"$f":"IF(Valg=2,$B$105,S105)","v":904452.23333824088},{"$f":"IF(Valg=2,$B$105,AO97-AP97)","v":915525.43149841123},{"$f":"IF(Valg=2,$B$105,AO130-AP130)","v":925349.02323655761},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,944361.75519003393,6449.2008312395183,4749.5971969892244,2951.1304849688563,14149.928513197599,11069.637440414366]
[null,null,null,null,null,null,null,null,null,null,null,null,"Indfrielse kr.",null,{"$f":"O21*O22/100","v":878390.38762453711},{"$f":"P21*P22/100","v":892081.93452812941},904452.23333824088,915525.43149841134,925349.02323655749,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,937912.55435879447,6481.6366070664544,4717.1614211622882,2930.9767323712331,14129.774760599976,11070.519499186568]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13,931430.91775172797,6514.2355162150261,4684.5625120137165,2910.7216179741499,14109.519646202893,11071.405994207746]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,{"$f":"AO24-AP24","v":924916.682235513},6546.998379152139,4651.7996490766036,2890.3646319859781,14089.162660214721,11072.296947789688]
[null,null,null,null,null,null,null,null,null,null,null,null,"Hvis der vælges fast rente lån, er det pr. definition et konverterbart obligationslån",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,918369.68385636085,6579.9260204711763,4618.8720077575663,2869.9052620511279,14068.703290279871,11073.192382356392]
[null,null,null,null,null,null,null,null,null,null,null,null,"hvis der vælges kort rente lån, er det pr. definition et kontantlån (som alle FlexLån er)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,911789.7578358897,6613.0192689127516,4585.778759315991,2849.3429932371555,14048.141021465897,11074.092320444639]
[null,null,null,null,null,null,null,null,null,null,null,null,"Indfrielse af fast forrentede lån ved uændret renteniveau antages at være til samme kurs, som de er optaget",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,905176.73856697697,6646.2789573855698,4552.5190708431728,2828.6773080218031,14027.475336250545,11074.996784704555]
[null,{"$f":"IF(H2=\"k\",\"Bagvedliggende obligationer\",\"HOVEDSTOL = pålydende = tinglyst gæld\")","v":"Bagvedliggende obligationer"},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",IFERROR(H4/H1*100,0),H4)","v":1017345.7449514217},1,null,null,"Kort rente lån indfries til kurs 100 uanset renteniveau, men restgælden er forskellig",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18,898530.4596095914,6679.7059229873848,4519.0921052413578,2807.9076862799734,14006.705714508716,11075.905797900185]
[null,{"$f":"IF(H2=\"k\",\"\",\"   Kurstab\")","v":""},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",0,I31-I29)","v":0},{"$f":"IF(H4>0,(I29-I31)/I29*-1,0)","v":-1.7050000000000003E-2},null,null,"Fast rente lån indfries ved rentefald til optagelseskursen korrigeret med varigheden eller til kurs 100, hvis kursen er over 100",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,19,{"$f":"AO29-AP29","v":891850.75368660397},6713.3010070260743,4485.4970212026683,2787.0336052706375,13985.83163349938,11076.819382910058]
[null,"KURSVÆRDI, kurs",null,{"$f":"$H$1","v":98.295000000000002},{"$f":"IF(H2=\"k\",\" = HOVEDSTOL = tinglyst gæld\",\"\")","v":" = HOVEDSTOL = tinglyst gæld"},null,null,null,{"$f":"IF(H2=\"k\",H4,ROUND(H4*H1/100,0))","v":1000000},null,null,null,"Fast rente lån indfries ved rentestigning til kursen korrigeret med obligationens varighed.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,885137.45267957787,6747.0650550408091,4451.7329731879336,2766.0545396236812,13964.852567852424,11077.737562727778]
[null,"   Kursskæring/Stiftelsesprovision",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H32/I$29,H32/I$31),0)","v":0.01},null,{"$f":"IF(H4>0,IF(H2=\"o\",I74,J74),0)","v":10000}]
[null,"   Kurtage (beregnes af kursværdi)",null,null,null,{"$f":"H33/(I31+0.0001)","v":1.49999999985E-3},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G33),E73,G33))","v":1500}]
[null,"   Vurdering og lånetilbud, kr.",null,null,null,{"$f":"IF($I$31=0,0,VurderingGebyrSats)","v":7500},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G34),'Omk. & restfinans'!F18,G34))","v":7500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Beregning af rentefald på 1 % efter 4 terminer, lån med variabel rente"]
[null,"   Stempelafgift, staten (beregnes af hovedstol, opr. hele 100 kr",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H35/I$29,H35/I$31),0)","v":1.4500000000000001E-2},null,{"$f":"IF(ISBLANK(G35),IF(H2=\"o\",I73,J73),G35)","v":14500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kontantlån"]
[null,"   Tinglysning, staten, kr.",null,null,null,{"$f":"IF($I$31=0,0,TinglysningPtbr)","v":1825},null,{"$f":"IF($I$31=0,0,IF(ISBLANK(G36),TinglysningPtbr,G36))","v":1825},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente per termin",null,{"$f":"$J$66-0.0025","v":7.5294256103514718E-3}]
[null,"LÅNEOMKOSTNINGER  I ALT",null,null,null,null,null,{"$f":"SUM(H32:H36)","v":35325},{"$f":"H37*-1","v":-35325},{"$f":"IF(H4>0,I37/I29,0)","v":-3.4722708749999998E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Restgæld termin 4",null,{"$f":"AO49","v":982384.84200265282},"kr."]
[null,"NETTOPROVENU",null,null,null,null,null,null,{"$f":"ROUND(I31+I37,0)","v":964675},{"$f":"IF(H4>0,I38/I29*1,0)","v":0.94822729125000005},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ydelse pr. termin",null,{"$f":"PMT(AQ36,(H5-1)*4,AQ37)*-1","v":12728.780776695869},"kr."]
[null,"YDELSE","Termin",{"$f":"IF(Amort=1,\"Primo\",\"Forpligtelse\")","v":"Primo"},{"$f":"IF(Amort=1,\"Afdrag\",\"Amort afdrag\")","v":"Afdrag"},{"$f":"IF(Amort=1,\"Rente+bidrag\",\"Amort. rente\")","v":"Rente+bidrag"},null,null,"Afdrag",{"$f":"IF(Amort=1,\"Rente+bidrag\",\"Amort. rente\")","v":"Rente+bidrag"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ydelse efter skat, 20 terminer",null,{"$f":"SUM(AT45:AT64)","v":234240.65587817316},"kr."]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},1,{"$f":"AD85","v":1000000},{"$f":"Z85","v":4338.089224759151},{"$f":"AA85+AB85","v":13154.425610351473},null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,E40,\"\")","v":""},{"$f":"IF($H$8=1,F40,\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},2,{"$f":"AD86","v":995661.91077524086},4381.5977679299413,{"$f":"AA86+AB86","v":13097.36053835331},null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E41+E40),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F41+F40),\"\")","v":""},null,null,"Excels varighedsfunktioner",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN"]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},3,991280.31300731096,4425.5426767978752,13039.723136460596,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E40:E42),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F40:F42),\"\")","v":""},null,null,"Afregningsdato",null,{"$f":"TODAY()","v":"2024-05-23"},"Dags dato",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse"]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},4,986854.77033051313,4469.9283278602543,12981.507664533223,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E40:E43),\"\")","v":17615.157997347222},{"$f":"IF($H$8=4,SUM(F40:F43),\"\")","v":52273.016949698605},null,null,"Udløbsdato",null,"2056-01-10","Fra obligationens stamdata",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat"]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},5,982384.84200265282,4514.7591415081333,12922.708324860781,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E41:E44),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F41:F44),\"\")","v":""},null,null,"Kupon",null,{"$f":"H7","v":3.8699999999999998E-2},"Kupon rente p.a.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Termin",null,null,null,null,{"$f":"$I$38*-1","v":-964675},{"$f":"$I$38*-1","v":-964675}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},6,977870.08286114468,4560.0395824665429,12863.319261585159,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E42:E45),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F42:F45),\"\")","v":""},null,null,"Afkast",null,{"$f":"L83","v":4.0725284242808746E-2},"Forrentning set fra investor p.a. Korrekt ifølge Nasdaq",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"AO12","v":1000000},{"$f":"AP12","v":4338.089224759151},{"$f":"AQ12","v":10029.425610351473},{"$f":"V118","v":2597.811633217018},{"$f":"AQ45+AR45+AP45","v":16965.326468327643},{"$f":"AP45+((AR45+AQ45)*(1-$H$9))","v":11914.431570900244}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},7,973310.04327867809,4605.7741602391488,12803.334560117344,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E43:E46),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F43:F46),\"\")","v":""},null,null,"Hyppighed",null,4,"terminer p.a.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN45+1","v":2},{"$f":"AO13","v":995661.91077524086},4381.5977679299413,9985.9170671806824,2578.9677078823534,16946.482542992977,{"$f":"AP46+((AR46+AQ46)*(1-$H$9))","v":11920.528632967762}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},8,968704.26911843894,4651.9674295573477,12742.748246548397,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E44:E47),\"\")","v":18332.540313771173},{"$f":"IF($H$8=4,SUM(F44:F47),\"\")","v":51332.110393111681},null,null,"Datotype",null,1,"Faktisk/Faktisk",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN46+1","v":3},{"$f":"AO14","v":991280.31300731096},4425.5426767978752,9941.9721583127484,2559.9347888003372,16927.449623910961,11926.686845065728]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},9,964052.30168888159,4698.6239908338703,12681.554287054509,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E45:E48),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F45:F48),\"\")","v":""},null,null,"Varighed, Excels funktion",null,{"$f":"DURATION(O42,O43,O44,O45,O46,O47)","v":18.031215902696339},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,{"$f":"AO15","v":986854.77033051313},4469.9283278602543,9897.5865072503693,2540.7109804722404,16908.225815582864,11932.906820493819]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},10,959353.67769804772,4745.748490620952,12619.746587296071,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E46:E49),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F46:F49),\"\")","v":""},null,null,"Mvarighed, Excels funktion",null,{"$f":"MDURATION(O42,O43,O44,O45,O46)","v":17.848185222284798},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,{"$f":"AO48-AP48","v":982384.84200265282},{"$f":"$AQ$38-AQ49","v":5331.9871881000099},{"$f":"$AQ$36*AO49","v":7396.7935885958586},{"$f":"AO49*$E$72/4","v":3069.9526312582902},15798.733407954158,11612.034920012498]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},11,954607.92920742673,4793.3456220730732,12557.31899181076,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E47:E50),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F47:F50),\"\")","v":""},null,null,"Dato tjek, års løbetid",null,{"$f":"_xlfn.DAYS(O43,O42)/365","v":31.654794520547945},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,977052.85481455282,5372.1339889881565,7356.6467877077121,{"$f":"AO50*$E$72/4","v":3053.2901712954776},15782.070947991346,11618.09616439007]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},12,949814.58358535368,4841.4201254143591,12494.265283400495,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E48:E51),\"\")","v":19079.138228942254},{"$f":"IF($H$8=4,SUM(F48:F51),\"\")","v":50352.885149561829},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,971680.7208255647,5412.583072227083,7316.1977044687856,3036.50225257989,15765.283029275757,11624.203046456289]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},13,944973.1634599393,4889.9767884106604,12430.579182512274,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E49:E52),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F49:F52),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,966268.13775333762,5453.3367138292642,7275.4440628666043,3019.5879304791802,15748.36870717505,11630.355909836735]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},14,940083.18667152862,4939.0204468463708,12366.254346612779,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E50:E53),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F50:F53),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,960814.80103950831,5494.3972069442407,7234.3835697516279,3002.5462532484635,15731.327029944332,11636.555100744295]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},15,935144.16622468224,4988.5559850060217,12301.284369556734,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E51:E54),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F51:F54),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,955320.40383256401,5535.7668619876504,7193.0139147082182,2985.3762619767626,15714.157038672631,11642.800967998639]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},16,930155.6102396762,5038.5883361607139,12235.662780948898,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E52:E55),\"\")","v":19856.141556423769},{"$f":"IF($H$8=4,SUM(F52:F55),\"\")","v":49333.78067963069},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,949784.63697057636,5577.4480067712357,7151.3327699246329,2968.0769905330512,15696.857767228919,11649.093863045846]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},17,925117.02190351544,5089.1224830594219,12169.383045499688,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E53:E56),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F53:F56),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,944207.18896380509,5619.4429866338232,7109.3377900620453,2950.6474655118909,15679.428242207759,11655.434139978184]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},18,920027.89942045603,5140.1634584252333,12102.438562374315,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E54:E57),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F54:F57),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13,938587.74597717123,5661.7541645732936,7067.026612122575,2933.0867061786603,15661.867482874528,11661.822155554035]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},19,914887.73596203083,5191.7163454565562,12034.822664535413,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E55:E58),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F55:F58),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,932925.99181259796,5704.3839213795463,7024.3968553163222,2915.393724414369,15644.174501110239,11668.25826921796]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},20,909696.01961657428,5243.7862783333585,11966.528618079061,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E56:E59),\"\")","v":20664.788565274568},{"$f":"IF($H$8=4,SUM(F56:F59),\"\")","v":48273.17289048848},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,927221.60789121839,5747.3346557684581,6981.4461209274104,2897.5675246600576,15626.348301355925,11674.742843120937]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},21,904452.23333824088,5296.3784427284845,11897.549621564141,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E57:E60),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F57:F60),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,921474.27323544992,5790.6087845168622,6938.1719921790063,2879.6071038607811,15608.387880556649,11681.276242140735]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},22,899155.85489551234,5349.4980763241001,11827.878805335,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E58:E61),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F58:F61),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,915683.66445093311,5834.2087425985292,6894.5720340973394,2861.5114514091661,15590.292228105034,11687.858833902432]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},23,893806.35681918822,5403.1504693333118,11757.509230837275,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E59:E62),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F59:F62),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18,909849.45570833457,5878.1369833211875,6850.6437933746811,2843.2795490885455,15572.060325784412,11694.490988799123]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},24,888403.20634985494,5457.3409650270241,11686.433889926897,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E60:E63),\"\")","v":21506.367953412919},{"$f":"IF($H$8=4,SUM(F60:F63),\"\")","v":47169.371547663315},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,19,903971.31872501341,5922.3959784645594,6806.3847982313091,2824.9103710156669,15553.691147711535,11701.173080012744]
[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,898048.92274654889,5966.988218419453,6761.7925582764155,2806.4028835829654,15535.183660278835,11707.905483535082]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":14367.514835110624}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(AJ7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":1.0029425610351472E-2}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":1000000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Beregning af rentestigning på 1 % efter 4 terminer, lån med variabel rente"]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":8333.3333333333339},null,null,null,"Obligation","Kontant",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kontantlån"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":8038.958333333333},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":1.4035452827524608E-2},{"$f":"IF(H4>0,IRR(X84:X204))","v":1.3992819090139053E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rente per termin",null,{"$f":"$J$66+0.0025","v":1.2529425610351473E-2}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":9.6749999999999996E-3},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":5.7334873329539793E-2},{"$f":"((1+J69)^4-1)","v":5.7157067733497158E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Restgæld termin 4",null,{"$f":"AO82","v":982384.84200265282},"kr."]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":14367.514835110609},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":8.7055835452045649E-3},{"$f":"IF(H4>0,IRR(W84:W204),0)","v":8.5861893599983308E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ydelse pr. termin",null,{"$f":"PMT(AQ69,($H$5-1)*4,AQ70)*-1","v":16108.598622408295},"kr."]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":3.5279702120368572E-2},{"$f":"((1+J71)^4-1)","v":3.4789630747830369E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ydelse efter skat, 20 terminer",null,{"$f":"SUM(AT78:AT97)","v":257645.34777681893},"kr."]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":1500},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":14800},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":14500}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10173.457449514217},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN"]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":10000},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":35325},{"$f":"H37","v":35325},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse"]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":14500},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(Q85:Q284)","v":127703.23291491736},{"$f":"SUM(AC85:AC284)","v":1569831.8152322266},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat"]
[null,null,null,null,null,null,null,null,"Obligation","Kontant",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Termin",null,null,null,null,{"$f":"$I$38*-1","v":-964675},{"$f":"$I$38*-1","v":-964675}]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"AO45","v":1000000},{"$f":"AP45","v":4338.089224759151},10029.425610351473,2597.811633217018,{"$f":"AQ78+AR78+AP78","v":16965.326468327643},{"$f":"AP78+((AR78+AQ78)*(1-$H$9))","v":11914.431570900244}]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":1041220.7946984512},{"$f":"NPV(KRenteTermin,W85:W205)","v":804439.12685100723},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN78+1","v":2},{"$f":"AO46","v":995661.91077524086},4381.5977679299413,9985.9170671806824,{"$f":"AR46","v":2578.9677078823534},16946.482542992977,{"$f":"AP79+((AR79+AQ79)*(1-$H$9))","v":11920.528632967762}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN79+1","v":3},{"$f":"AO47","v":991280.31300731096},4425.5426767978752,9941.9721583127484,2559.9347888003372,16927.449623910961,11926.686845065728]
["OBLIGATIONSLÅN",null,null,null,null,null,null,null,null,null,null,null,null,null,"AMORTISERET KOSTPRIS",null,null,null,"KONTANTLÅN",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,{"$f":"AO48","v":986854.77033051313},4469.9283278602543,9897.5865072503693,2540.7109804722404,16908.225815582864,11932.906820493819]
[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag","Afkast beregning","Pr. termin","P.A.","Udtræknings-","Op til 100","Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse","Ydelse","DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"kontantlån"},null,null,"Forpligtelse","Årlig",null,null,null,null,null,null,null,null,5,{"$f":"AO81-AP81","v":982384.84200265282},{"$f":"$AQ$71-AQ82","v":3799.8808237991725},{"$f":"$AQ$69*AO82","v":12308.717798609123},{"$f":"AO82*$E$72/4","v":3069.9526312582902},19178.551253666585,13027.08308171962]
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[14,954986.03916575958,5128.0249061818849,9239.4899289287241,2984.3313723929987,17351.846207503608,null,12462.317686974919,14367.514835110609,14367.514835110609,null,null,5.3697380860787637E-3,98.304155403436766,929957.02458361711,13052.3679501685,828.54664884677732,14,940083.18667152862,4939.0204468463708,9428.4943882642528,2937.7599583485271,12358.773054814039,17305.27479345915,14,{"$f":"IF(Amort=2,IF($H$2=\"o\",C98-Q98,T98-#REF!),IF($H$2=\"o\",C98,T98))","v":4939.0204468463708},{"$f":"IF(Amort=1,IF($H$2=\"o\",D98,U98),IF($H$2=\"o\",P98-Q98,#REF!-#REF!))","v":9428.4943882642528},{"$f":"IF(Amort=1,IF($H$2=\"o\",E98,V98),IF($H$2=\"o\",Q98,#REF!))","v":2937.7599583485271},12358.773054814039,{"$f":"IF(Amort=2,IF($H$2=\"o\",O98,#REF!),IF($H$2=\"o\",B98,S98))","v":940083.18667152862}]
[15,949858.01425957773,5177.6385471491958,9189.8762879614133,2968.3062945611805,17335.821129671789,null,12472.548096662751,14367.514835110609,14367.514835110609,null,null,5.450960532438323E-3,98.304293887707814,925657.54632628208,12992.022825904707,833.84024338211339,15,935144.16622468224,4988.5559850060217,9378.9588501046019,2922.3255194521321,12369.326606740062,17289.840354562755,15,{"$f":"IF(Amort=2,IF($H$2=\"o\",C99-Q99,T99-#REF!),IF($H$2=\"o\",C99,T99))","v":4988.5559850060217},{"$f":"IF(Amort=1,IF($H$2=\"o\",D99,U99),IF($H$2=\"o\",P99-Q99,#REF!-#REF!))","v":9378.9588501046019},{"$f":"IF(Amort=1,IF($H$2=\"o\",E99,V99),IF($H$2=\"o\",Q99,#REF!))","v":2922.3255194521321},12369.326606740062,{"$f":"IF(Amort=2,IF($H$2=\"o\",O99,#REF!),IF($H$2=\"o\",B99,S99))","v":935144.16622468224}]
[16,944680.37571242847,5227.7322000928634,9139.7826350177456,2952.1261741013391,17319.641009211948,null,12482.877485564313,14367.514835110609,14367.514835110609,null,null,5.5338634468302377E-3,98.304435237176847,921313.74802251509,12931.055649719903,839.14684060081845,16,930155.6102396762,5038.5883361607139,9328.9264989499097,2906.7362819989885,12379.986004730054,17274.251117109612,16,{"$f":"IF(Amort=2,IF($H$2=\"o\",C100-Q100,T100-#REF!),IF($H$2=\"o\",C100,T100))","v":5038.5883361607139},{"$f":"IF(Amort=1,IF($H$2=\"o\",D100,U100),IF($H$2=\"o\",P100-Q100,#REF!-#REF!))","v":9328.9264989499097},{"$f":"IF(Amort=1,IF($H$2=\"o\",E100,V100),IF($H$2=\"o\",Q100,#REF!))","v":2906.7362819989885},12379.986004730054,{"$f":"IF(Amort=2,IF($H$2=\"o\",O100,#REF!),IF($H$2=\"o\",B100,S100))","v":930155.6102396762},{"$f":"SUM(AB97:AB100)","v":11719.862895611957},null,null,null,null,null,null,null,null,null,"Beregning af rentestigning på 2 % efter 4 terminer, lån med variabel rente"]
[17,939452.64351233561,5278.3105091287616,9089.2043259818474,2935.7895109760489,17303.304346086657,null,12493.306811303499,14367.514835110609,14367.514835110609,null,null,5.6184955629000307E-3,98.304579534934746,916925.16266302299,12869.459866927187,844.46602996929096,17,925117.02190351544,5089.1224830594219,9278.3923520512017,2890.9906934484861,12390.752310359236,17258.505528559108,17,{"$f":"IF(Amort=2,IF($H$2=\"o\",C101-Q101,T101-#REF!),IF($H$2=\"o\",C101,T101))","v":5089.1224830594219},{"$f":"IF(Amort=1,IF($H$2=\"o\",D101,U101),IF($H$2=\"o\",P101-Q101,#REF!-#REF!))","v":9278.3923520512017},{"$f":"IF(Amort=1,IF($H$2=\"o\",E101,V101),IF($H$2=\"o\",Q101,#REF!))","v":2890.9906934484861},12390.752310359236,{"$f":"IF(Amort=2,IF($H$2=\"o\",O101,#REF!),IF($H$2=\"o\",B101,S101))","v":925117.02190351544},null,null,null,null,null,null,null,null,null,null,"Kontantlån"]
[18,934174.33300320688,5329.3781633045837,9038.1366718060253,2919.2947906350219,17286.809625745631,null,12503.837040769213,14367.514835110609,14367.514835110609,null,null,5.7049075049745443E-3,98.304726867295983,912491.31818386354,12807.228851895365,849.79738945431745,18,920027.89942045603,5140.1634584252333,9227.3513766853903,2875.0871856889253,12401.626595849822,17242.60202079955,18,{"$f":"IF(Amort=2,IF($H$2=\"o\",C102-Q102,T102-#REF!),IF($H$2=\"o\",C102,T102))","v":5140.1634584252333},{"$f":"IF(Amort=1,IF($H$2=\"o\",D102,U102),IF($H$2=\"o\",P102-Q102,#REF!-#REF!))","v":9227.3513766853903},{"$f":"IF(Amort=1,IF($H$2=\"o\",E102,V102),IF($H$2=\"o\",Q102,#REF!))","v":2875.0871856889253},12401.626595849822,{"$f":"IF(Amort=2,IF($H$2=\"o\",O102,#REF!),IF($H$2=\"o\",B102,S102))","v":920027.89942045603},null,null,null,null,null,null,null,null,null,null,"Rente per termin",null,{"$f":"$J$66+0.005","v":1.5029425610351473E-2}]
[19,928844.95483990235,5380.9398970345537,8986.5749380760553,2902.6404838746948,17270.155318985304,null,12514.469150205005,14367.514835110609,14367.514835110609,null,null,5.7931518807269869E-3,98.304877323956646,908011.73741001333,12744.355907256904,855.14048530615401,19,914887.73596203083,5191.7163454565562,9175.7984896540675,2859.0241748813464,12412.609944177804,17226.539009991971,19,{"$f":"IF(Amort=2,IF($H$2=\"o\",C103-Q103,T103-#REF!),IF($H$2=\"o\",C103,T103))","v":5191.7163454565562},{"$f":"IF(Amort=1,IF($H$2=\"o\",D103,U103),IF($H$2=\"o\",P103-Q103,#REF!-#REF!))","v":9175.7984896540675},{"$f":"IF(Amort=1,IF($H$2=\"o\",E103,V103),IF($H$2=\"o\",Q103,#REF!))","v":2859.0241748813464},12412.609944177804,{"$f":"IF(Amort=2,IF($H$2=\"o\",O103,#REF!),IF($H$2=\"o\",B103,S103))","v":914887.73596203083},null,null,null,null,null,null,null,null,null,null,"Restgæld termin 4",null,{"$f":"AO115","v":982384.84200265282},"kr."]
[20,923464.0149428678,5433.000490538363,8934.514344572246,2885.8250466964619,17253.339881807071,null,12525.204125299588,14367.514835110609,14367.514835110609,null,null,5.8832833793469345E-3,98.305030998161783,903485.93799828494,12680.834263106752,860.49487183804376,20,909696.01961657428,5243.7862783333585,9123.7285567772651,2842.8000613017948,12423.703449180794,17210.314896412419,20,{"$f":"IF(Amort=2,IF($H$2=\"o\",C104-Q104,T104-#REF!),IF($H$2=\"o\",C104,T104))","v":5243.7862783333585},{"$f":"IF(Amort=1,IF($H$2=\"o\",D104,U104),IF($H$2=\"o\",P104-Q104,#REF!-#REF!))","v":9123.7285567772651},{"$f":"IF(Amort=1,IF($H$2=\"o\",E104,V104),IF($H$2=\"o\",Q104,#REF!))","v":2842.8000613017948},12423.703449180794,{"$f":"IF(Amort=2,IF($H$2=\"o\",O104,#REF!),IF($H$2=\"o\",B104,S104))","v":909696.01961657428},null,null,null,null,null,null,null,null,null,null,"Ydelse pr. termin",null,{"$f":"PMT(AQ102,($H$5-1)*4,AQ103)*-1","v":17944.566133207711},"kr."]
[21,918031.01445232949,5485.5647702843216,8881.9500648262874,2868.8469201635298,17236.361755274142,null,12536.042961278214,14367.514835110609,14367.514835110609,null,null,5.9753588756005695E-3,98.305187986882899,898913.43237958464,12616.657076191892,865.86009120207473,21,904452.23333824088,5296.3784427284845,9071.1363923821391,2826.4132291820029,12434.908215666968,17193.928064292628,21,{"$f":"IF(Amort=2,IF($H$2=\"o\",C105-Q105,T105-#REF!),IF($H$2=\"o\",C105,T105))","v":5296.3784427284845},{"$f":"IF(Amort=1,IF($H$2=\"o\",D105,U105),IF($H$2=\"o\",P105-Q105,#REF!-#REF!))","v":9071.1363923821391},{"$f":"IF(Amort=1,IF($H$2=\"o\",E105,V105),IF($H$2=\"o\",Q105,#REF!))","v":2826.4132291820029},12434.908215666968,{"$f":"IF(Amort=2,IF($H$2=\"o\",O105,#REF!),IF($H$2=\"o\",B105,S105))","v":904452.23333824088},null,null,null,null,null,null,null,null,null,null,"Ydelse efter skat, 20 terminer",null,{"$f":"SUM(AT111:AT130)","v":271480.06360764708},"kr."]
[22,912545.44968204515,5538.6376094368225,8828.8772256737866,2851.7045302563911,17219.219365367,null,12546.986662994928,14367.514835110609,14367.514835110609,null,null,6.069437540197729E-3,98.305348391006035,894293.72770050238,12551.817429091538,871.23567316135995,22,899155.85489551234,5349.4980763241001,9018.0167587865235,2809.8620465484764,12446.225359525099,17177.3768816591,22,{"$f":"IF(Amort=2,IF($H$2=\"o\",C106-Q106,T106-#REF!),IF($H$2=\"o\",C106,T106))","v":5349.4980763241001},{"$f":"IF(Amort=1,IF($H$2=\"o\",D106,U106),IF($H$2=\"o\",P106-Q106,#REF!-#REF!))","v":9018.0167587865235},{"$f":"IF(Amort=1,IF($H$2=\"o\",E106,V106),IF($H$2=\"o\",Q106,#REF!))","v":2809.8620465484764},12446.225359525099,{"$f":"IF(Amort=2,IF($H$2=\"o\",O106,#REF!),IF($H$2=\"o\",B106,S106))","v":899155.85489551234}]
[23,907006.81207260827,5592.2239283081253,8775.2909068024837,2834.3962877269009,17201.911122837511,null,12558.036245025756,14367.514835110609,14367.514835110609,null,null,6.1655809569161795E-3,98.305512315531544,889626.32576422684,12486.308329387846,876.62113485846157,23,893806.35681918822,5403.1504693333118,8964.3643657773118,2793.1448650599632,12457.656007835678,17160.659700170589,23,{"$f":"IF(Amort=2,IF($H$2=\"o\",C107-Q107,T107-#REF!),IF($H$2=\"o\",C107,T107))","v":5403.1504693333118},{"$f":"IF(Amort=1,IF($H$2=\"o\",D107,U107),IF($H$2=\"o\",P107-Q107,#REF!-#REF!))","v":8964.3643657773118},{"$f":"IF(Amort=1,IF($H$2=\"o\",E107,V107),IF($H$2=\"o\",Q107,#REF!))","v":2793.1448650599632},12457.656007835678,{"$f":"IF(Amort=2,IF($H$2=\"o\",O107,#REF!),IF($H$2=\"o\",B107,S107))","v":893806.35681918822},null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN"]
[24,901414.58814430016,5646.3286948145051,8721.186140296104,2816.9205879509382,17184.43542306155,null,12569.192731762731,14367.514835110609,14367.514835110609,null,null,6.2638532469707821E-3,98.30567986978609,884910.72297077719,12420.122708827041,882.01598057999854,24,888403.20634985494,5457.3409650270241,8910.1738700835995,2776.260019843297,12469.201298983162,17143.774854953921,24,{"$f":"IF(Amort=2,IF($H$2=\"o\",C108-Q108,T108-#REF!),IF($H$2=\"o\",C108,T108))","v":5457.3409650270241},{"$f":"IF(Amort=1,IF($H$2=\"o\",D108,U108),IF($H$2=\"o\",P108-Q108,#REF!-#REF!))","v":8910.1738700835995},{"$f":"IF(Amort=1,IF($H$2=\"o\",E108,V108),IF($H$2=\"o\",Q108,#REF!))","v":2776.260019843297},12469.201298983162,{"$f":"IF(Amort=2,IF($H$2=\"o\",O108,#REF!),IF($H$2=\"o\",B108,S108))","v":888403.20634985494},null,null,null,null,null,null,null,null,null,null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse"]
[25,895768.25944948569,5700.956924936836,8666.5579101737731,2799.2758107796431,17166.790645890251,null,12580.457157508885,14367.514835110609,14367.514835110609,null,null,6.3643212011558498E-3,98.305851167647972,880146.41025654273,12353.253422470827,887.41970151741089,25,882945.86538482795,5512.0749602660871,8855.4398748445365,2759.2058293275877,12480.862382769363,17126.720664438209,25,{"$f":"IF(Amort=2,IF($H$2=\"o\",C109-Q109,T109-#REF!),IF($H$2=\"o\",C109,T109))","v":5512.0749602660871},{"$f":"IF(Amort=1,IF($H$2=\"o\",D109,U109),IF($H$2=\"o\",P109-Q109,#REF!-#REF!))","v":8855.4398748445365},{"$f":"IF(Amort=1,IF($H$2=\"o\",E109,V109),IF($H$2=\"o\",Q109,#REF!))","v":2759.2058293275877},12480.862382769363,{"$f":"IF(Amort=2,IF($H$2=\"o\",O109,#REF!),IF($H$2=\"o\",B109,S109))","v":882945.86538482795},null,null,null,null,null,null,null,null,null,null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat"]
[26,890067.30252454884,5756.1136831856002,8611.4011519250089,2781.4603203892152,17148.975155499822,null,12591.830566574135,14367.514835110609,14367.514835110609,null,null,6.4670544203333895E-3,98.306026327786668,875332.87303312332,12285.693247837989,892.83177552376537,26,877433.79042456183,5567.3579060387565,8800.1569290718671,2741.9805950767559,12492.64042052793,17109.49543018738,26,{"$f":"IF(Amort=2,IF($H$2=\"o\",C110-Q110,T110-#REF!),IF($H$2=\"o\",C110,T110))","v":5567.3579060387565},{"$f":"IF(Amort=1,IF($H$2=\"o\",D110,U110),IF($H$2=\"o\",P110-Q110,#REF!-#REF!))","v":8800.1569290718671},{"$f":"IF(Amort=1,IF($H$2=\"o\",E110,V110),IF($H$2=\"o\",Q110,#REF!))","v":2741.9805950767559},12492.64042052793,{"$f":"IF(Amort=2,IF($H$2=\"o\",O110,#REF!),IF($H$2=\"o\",B110,S110))","v":877433.79042456183},null,null,null,null,null,null,null,null,null,"Termin",null,null,null,null,{"$f":"$I$38*-1","v":-964675},{"$f":"$I$38*-1","v":-964675}]
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