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[]
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[null,null,null,null,null,null,null,null,null,"Berekening Verhuurhypotheek",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2018-11-15"},null,"<= voor opslaan macro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D15=\"Anders\",\"Namelijk:\",\"\")","v":""},null,null,null,null,null,null,null,null,null,"Situation",null,null,"Situation",null,null,null,{"$f":"IF(D8=\"\",D7,CONCATENATE(D7,\" & \",D8))","v":0},null,"<= voor opslaan macro"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Visual",null,null,"Berekening theorie",null,null,null,"Berekening praktijk"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"check A",null,null,null,null,null,null,null,null,null,null,null,null,"toets 1",null,"toets 2",null,"toets 1","toets 2"]
[null,null,"Naam klant (eerste kredietnemer)",null,null,null,null,null,{"$f":"IF(N7=1,\"\",\"*\")","v":"*"},null,null,null,null,{"$f":"IF(D7=\"\",0,1)","v":0},null,null,null,null,"scenarios","kn 1","kn 2","True?",null,"Huidig ink","Na pensionering","Code","Inkomen","tabel",null,null,"Inkomen","Inkomen"]
[null,null,"Naam klant (tweede kredietnemer)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D8=\"\",0,1)","v":0},null,null,null,null,1,{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},"-",{"$f":"IF(D8=\"\",IF(D22=\"\",\"\",IF(D22<U52,\"1\",\"\")),\"\")","v":""},{"$f":"S8","v":1},1,0,"A","D23",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},"-","-",{"$f":"VLOOKUP(AA8,$AA$31:$AB$40,2,FALSE)","v":0},{"$f":"VLOOKUP(AC8,$AA$31:$AB$40,2,FALSE)","v":0}]
[null,null,"Intermediair nummer",null,{"$f":"IF(N9=1,\"\",\"*\")","v":"*"},null,null,null,null,null,null,null,null,{"$f":"IF(D9=\"\",0,1)","v":0},null,null,null,null,2,{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},"-",{"$f":"IF(D8=\"\",IF(AND(D22>V52,D22<U51),\"1\",\"\"),\"\")","v":""},{"$f":"S9","v":2},1,1,"C","D23",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},"D25",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},{"$f":"VLOOKUP(AA9,$AA$31:$AB$40,2,FALSE)","v":0},{"$f":"VLOOKUP(AC9,$AA$31:$AB$40,2,FALSE)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D8=\"\",SUM(N7:N9)+1,SUM(N7:N9))","v":1},3,{"$f":"IF(N10=O10,\"Goed\",\"Fout\")","v":"Fout"},null,null,3,{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},"-",{"$f":"IF(D8=\"\",IF(D22>V51,\"1\",\"\"),\"\")","v":""},{"$f":"S10","v":3},0,1,"B","D25",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},"-","-",0,{"$f":"VLOOKUP(AC10,$AA$31:$AB$40,2,FALSE)","v":0}]
[null,null,"Gegevens woonhuis voor verhuur",null,null,null,null,null,null,null,null,null,null,"check B","check C",null,null,null,4,{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22<U52,H22<U52),\"1\",\"\"))","v":""},4,1,0,"A","D23 & H23*0,70",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},"-","-",0,0]
[null,null,"Plaats van het woonhuis","Amsterdam",null,null,{"$f":"IF(N12=1,\"\",\"*\")","v":""},{"$f":"IF(D12=\"Anders\",\"Namelijk:\",\"\")","v":""},null,null,null,{"$f":"IF(O12=1,\"\",\"*\")","v":""},null,{"$f":"IF(D12=\"\",0,1)","v":1},{"$f":"IF(D12=\"Anders\",IF(J12=\"\",0,1),1)","v":1},null,null,null,5,{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V51,H22>V51),\"1\",\"\"))","v":""},5,0,1,"B","D25 & H25*0,70",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},"-","-",0,0]
[null,null,"Marktwaarde ",null,{"$f":"IF(N13=1,\"\",\"*\")","v":"*"},"in verhuurde staat",null,{"$f":"IF(D13=\"Anders\",\"Namelijk:\",\"\")","v":""},null,null,null,null,null,{"$f":"IF(D13=\"\",0,1)","v":0},null,null,null,null,6,{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22<U52,H22>V51),\"1\",\"\"))","v":""},6,1,0,"A","D23 & H25*0,70",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},"-","-",0,0]
[null,null,"Woonhuis al verhuurd?",null,{"$f":"IF(N14=1,\"\",\"*\")","v":"*"},null,null,"",null,null,null,null,null,{"$f":"IF(D14=\"\",0,1)","v":0},null,null,null,null,7,{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V51,H22<U52),\"1\",\"\"))","v":""},7,1,0,"A","D25 & H23*0,70",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},"-","-",0,0]
[null,null,{"$f":"IF(D14=\"nee\",\"De verwachte huurinkomsten (kale huur)\",\"Huurinkomsten (kale huur)\")","v":"Huurinkomsten (kale huur)"},null,{"$f":"IF(N15=1,\"\",\"*\")","v":"*"},"per maand, excl. bijkomende kosten voor bv. gas, water en licht",null,null,null,null,null,null,null,{"$f":"IF(D15=\"\",0,1)","v":0},null,null,null,null,8,{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V52,D22<U51,H22<U52),\"1\",\"\"))","v":""},8,1,1,"C","D23 & H23*0,70",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},"D25 & H23*0,70",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},0,{"$f":"VLOOKUP(AC15,$AA$31:$AB$40,2,FALSE)","v":0}]
[null,null,"Nieuwbouw/bestaande bouw",null,{"$f":"IF(N16=1,\"\",\"*\")","v":"*"},null,null,"",null,null,null,null,null,{"$f":"IF(D16=\"\",0,1)","v":0},null,null,null,null,9,{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V52,D22<U51,H22<U52),\"1\",\"\"))","v":""},9,1,1,"C","D23 & H23*0,70","<67","H23 & D25*0,70",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},0,0]
[null,null,"Mee te financieren verbouwing",null,null,null,null,"",null,null,null,null,null,{"$f":"IF(OR(D17=\"\",D17=0),0,1)","v":0},null,null,null,null,10,{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22<U52,H22>V52,H22<U51),\"1\",\"\"))","v":""},10,1,1,"C","D23 & H23*0,70","<67","D23 & H25*0,70",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},0,0]
[null,null,{"$f":"IF(D17>0,\"Marktwaarde na verbouwing\",\"\")","v":""},null,{"$f":"IF(N18=1,\"\",\"*\")","v":""},{"$f":"IF(D17>0,\"in verhuurde staat\",\"\")","v":""},null,"",null,null,null,null,null,{"$f":"IF(N17=0,1,IF(D18=\"\",0,1))","v":1},null,null,null,null,11,{"$f":"CONCATENATE(\"<\",$U$52)","v":"<57"},{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22<U52,H22>V52,H22<U51),\"1\",\"\"))","v":""},11,1,1,"C","D23 & H23*0,70","<67","H25 & D23*0,70",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},0,0]
[null,null,null,{"$f":"IF(IF(MW_na_Verb=\"\",Marktwaarde<90000,MW_na_Verb<90000),\"Let op: minimale marktwaarde is 90.000 euro\",\"\")","v":"Let op: minimale marktwaarde is 90.000 euro"},null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(D17=\"\",D17=0),SUM(N12:O18)+1,SUM(N12:O18))","v":4},8,{"$f":"IF(N19=O19,\"Goed\",\"Fout\")","v":"Fout"},null,null,12,{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V52,D22<U51,H22>V51),\"1\",\"\"))","v":""},12,1,1,"C","D23 & H25*0,70","<67","D25 & H25*0,70",">67",0,0]
[null,null,"Inkomensgegevens",{"$f":"IF(D8=\"\",\"\",\"Vul als kredietnemer 1 de klant in met het hoogste huidige inkomen \")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,13,{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V52,D22<U51,H22>V51),\"1\",\"\"))","v":""},13,1,1,"C","D23 & H25*0,70","<67","H25 & D25*0,70",">67",0,0]
[null,null,null,{"$f":"IF(D8=\"\",\"\",\"Kredietnemer 1\")","v":""},null,null,null,{"$f":"IF(D8=\"\",\"\",\"Kredietnemer 2\")","v":""},null,null,null,null,null,"Check D","Check E",{"$f":"CONCATENATE(\"Check \",U52)","v":"Check 57"},null,null,14,{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V51,H22>V52,H22<U51),\"1\",\"\"))","v":""},14,1,1,"C","D25 & H23*0,70",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},"D25 & H25*0,70",">67",0,0]
[null,null,"Leeftijd (op datum aanvraag)",null,{"$f":"IF(N22=1,\"\",\"*\")","v":"*"},null,null,null,{"$f":"IF(O22=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(D22=\"\",0,1)","v":0},{"$f":"IF($N$8=0,1,IF(H22=\"\",0,1))","v":1},{"$f":"IF(OR(D22>V52,H22>V52),\"J\",0)","v":0},null,null,15,{"$f":"CONCATENATE(\">\",$V$51)","v":">66"},{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V51,H22>V52,H22<U51),\"1\",\"\"))","v":""},15,1,1,"C","D25 & H23*0,70",{"$f":"CONCATENATE(\">\",$U$51)","v":">67"},"H25 & D25*0,70",">67",0,0]
[null,null,"Inkomen op jaarbasis (exclusief huurinkomsten)",null,"*",null,null,null,"",null,null,null,null,{"$f":"IF(D23=\"\",0,1)","v":0},{"$f":"IF($N$8=0,1,IF(H23=\"\",0,1))","v":1},{"$f":"IF(D22>V52,\"J\",\"\")","v":""},null,null,16,{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V52,D22<U51,H22>V52,H22<U51),\"1\",\"\"))","v":""},16,1,1,"C","D23 & H23*0,70",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},"D25 & H25*0,70",">67",0,0]
[null,null,"Soort inkomen",null,{"$f":"IF(F24=\"\",IF(N24=1,\"\",\"*\"),\"*\")","v":"*"},{"$f":"IF(AND(D23>0,D24=\"geen inkomen\"),\"<= nog aanpassen\",\"\")","v":""},null,null,{"$f":"IF(J24=\"\",IF(O24=1,\"\",\"*\"),\"*\")","v":""},{"$f":"IF(AND(H23>0,H24=\"geen inkomen\"),\"<= nog aanpassen\",\"\")","v":""},null,null,null,{"$f":"IF(F24=\"<= nog aanpassen\",0,IF(D24=\"\",0,1))","v":0},{"$f":"IF(J24=\"<= nog aanpassen\",0,IF($N$8=0,1,IF(H24=\"\",0,1)))","v":1},{"$f":"IF(H22>V52,\"J\",\"\")","v":""},null,null,17,{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"CONCATENATE($U$52,\"-\",$U$51)","v":"57-67"},{"$f":"IF(D8=\"\",\"\",IF(AND(D22>V52,D22<U51,H22>V52,H22<U51),\"1\",\"\"))","v":""},17,1,1,"C","D23 & H23*0,70",{"$f":"CONCATENATE(\"<\",$U$51)","v":"<67"},"H25 & D25*0,70",">67",0,0]
[null,null,"Inkomen na pensionering (exclusief huurinkomsten)",null,"",null,null,null,{"$f":"IF(O25=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(P23=\"J\",IF(AND(D22<U52,H22<U52),1,IF(D22>V52,IF(D25=\"\",0,1))),1)","v":1},{"$f":"IF(P24=\"J\",IF(AND(D22<U52,H22<U52),1,IF(H22>V52,IF($N$8=0,1,IF(H25=\"\",0,1)),0)),1)","v":1}]
[null,null,"Verschuldigde partner alimentatie (per jaar)",0,"",null,null,0,"",null,null,null,null,{"$f":"IF(D26=\"\",0,1)","v":1},{"$f":"IF($N$8=0,1,IF(H26=\"\",0,1))","v":1}]
[null,null,"Vermogen (niet verpand, na inbreng eigen middelen)",0,"",null,null,0,"",null,null,null,null,{"$f":"IF(D27=\"\",0,1)","v":1},{"$f":"IF($N$8=0,1,IF(H27=\"\",0,1))","v":1},null,null,null,"Gedetecteerd scenario",null,null,null,null,{"$f":"VLOOKUP(\"1\",V8:W24,2,FALSE)+X32","v":{"$error":"#N/A"}}]
[null,null,null,{"$f":"IF(KN2NAAM=\"\",\"\",IF(KN2Inkomen=\"\",\"\",IF(V30<V31,\"Let op: inkomen bij kredietnemer 1 is lager dan bij kredietnemer 2  (na eventuele aftrek alimentatie) \",\"\")))","v":""},null,null,null,null,null,null,null,null,null,{"$f":"SUM(N22:O27)","v":9},12,{"$f":"IF(N28=O28,\"Goed\",\"Fout\")","v":"Fout"}]
[null,null,"Verhuurhypotheek",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Test hoger inkomen",null,null,"voor","na",null,null,null,"inkomen vlookup tabel => geeft inkomen weer per scenario soort"]
[null,null,"Aantal leningdelen",1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KN1 toetsinkomen",null,null,{"$f":"D23-D26","v":0},{"$f":"IF(D22>V52,D25-D26,D23-D26)","v":0},null,null,null,"situatie","inkomen"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KN2 toetsinkomen",null,null,{"$f":"H23-H26","v":0},{"$f":"IF(H22>V52,H25-H26,H23-H26)","v":0},null,null,null,"D23",{"$f":"V30","v":0}]
[null,null,null,{"$f":"IF(OR(D30=\"\",D30=1),\"Totaal\",\"Leningdeel 1\")","v":"Totaal"},null,{"$f":"IF(D30>1,\"Leningdeel 2\",\"\")","v":""},null,{"$f":"IF(D30=3,\"Leningdeel 3\",\"\")","v":""},null,{"$f":"IF(D30>1,\"Totaal\",\"\")","v":""},null,null,null,"Check F","Check G","Check H",null,null,"KN switch na pensioen?",null,null,null,null,{"$f":"IF(COUNTIF(V8:V14,1)=1,0,IF(W31>W30,1,0))","v":0},null,null,"D25",{"$f":"IF(D22<U52,V30,W30)","v":0}]
[null,null,"Aflossingsvorm",null,{"$f":"IF(N33=1,\"\",\"*\")","v":"*"},null,{"$f":"IF(O33=1,\"\",\"*\")","v":""},null,{"$f":"IF(P33=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(D33=\"\",0,1)","v":0},{"$f":"IF(OR($D$30=1,$D$30=\"\"),1,IF(F33=\"\",0,1))","v":1},{"$f":"IF(OR($D$30=2,$D$30=1,$D$30=\"\"),1,IF(H33=\"\",0,1))","v":1},null,null,null,null,null,null,null,null,null,null,"D23 & H23*0,70",{"$f":"V30+(V31*0.7)","v":0}]
[null,null,"Hoofdsom",null,{"$f":"IF(N34=1,\"\",\"*\")","v":"*"},null,{"$f":"IF(O34=1,\"\",\"*\")","v":""},null,{"$f":"IF(P34=1,\"\",\"*\")","v":""},{"$f":"D34+F34+H34","v":0},null,null,null,{"$f":"IF(D34=\"\",0,1)","v":0},{"$f":"IF(OR($D$30=1,$D$30=\"\"),1,IF(F34=\"\",0,1))","v":1},{"$f":"IF(OR($D$30=2,$D$30=1,$D$30=\"\"),1,IF(H34=\"\",0,1))","v":1},null,null,"Situations visueel;",null,null,null,null,null,null,null,"D25 & H25*0,70",{"$f":"W30+(W31*0.7)","v":0}]
[null,null,"Looptijd lening (in jaren)",null,{"$f":"IF(N35=1,\"\",\"*\")","v":"*"},null,{"$f":"IF(O35=1,\"\",\"*\")","v":""},null,{"$f":"IF(P35=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(D35=\"\",0,1)","v":0},{"$f":"IF(OR($D$30=1,$D$30=\"\"),1,IF(F35=\"\",0,1))","v":1},{"$f":"IF(OR($D$30=2,$D$30=1,$D$30=\"\"),1,IF(H35=\"\",0,1))","v":1},null,null,"A = Alleen tonen huidig inkomen",null,null,null,null,null,null,null,"D23 & H25*0,70",{"$f":"V30+(W31*0.7)","v":0}]
[null,null,"Rentepercentage",null,{"$f":"IF(N36=1,\"\",\"*\")","v":"*"},null,{"$f":"IF(O36=1,\"\",\"*\")","v":""},null,{"$f":"IF(P36=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(D36=\"\",0,1)","v":0},{"$f":"IF(OR($D$30=1,$D$30=\"\"),1,IF(F36=\"\",0,1))","v":1},{"$f":"IF(OR($D$30=2,$D$30=1,$D$30=\"\"),1,IF(H36=\"\",0,1))","v":1},null,null,"B = Alleen tonen na pensionering",null,null,null,null,null,null,null,"D25 & H23*0,70",{"$f":"W30+(V31*0.7)","v":0}]
[null,null,"Rente looptijd (in jaren)",null,{"$f":"IF(N37=1,\"\",\"*\")","v":"*"},null,{"$f":"IF(O37=1,\"\",\"*\")","v":""},null,{"$f":"IF(P37=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(D37=\"\",0,1)","v":0},{"$f":"IF(OR($D$30=1,$D$30=\"\"),1,IF(F37=\"\",0,1))","v":1},{"$f":"IF(OR($D$30=2,$D$30=1,$D$30=\"\"),1,IF(H37=\"\",0,1))","v":1},null,null,"C = Beiden toen",null,null,null,null,null,null,null,"-",0]
[null,null,"Toetsrente tbv maandlast",{"$f":"IF(D37=\"\",\"\",IF(OR(D33=Selectielijsten!K3,D33=Selectielijsten!K4),IF(D37>=D35,D36,IF(D37<10,IF(D36>$D$86,D36,$D$86),D36)),IF(D37<10,IF(D36>$D$86,D36,$D$86),D36)))","v":""},null,{"$f":"IF(F37=\"\",\"\",IF(OR(F33=Selectielijsten!K3,F33=Selectielijsten!K4),IF(F37>=F35,F36,IF(F37<10,IF(F36>$D$86,F36,$D$86),F36)),IF(F37<10,IF(F36>$D$86,F36,$D$86),F36)))","v":""},null,{"$f":"IF(H37=\"\",\"\",IF(OR(H33=Selectielijsten!K3,H33=Selectielijsten!K4),IF(H37>=H35,H36,IF(H37<10,IF(H36>$D$86,H36,$D$86),H36)),IF(H37<10,IF(H36>$D$86,H36,$D$86),H36)))","v":""},null,null,null,null,null,{"$f":"SUM(N33:P37)","v":10},15,{"$f":"IF(N38=O38,\"Goed\",\"Fout\")","v":"Fout"},null,null,null,null,null,null,null,null,null,null,"H23 & D25*0,70",{"$f":"V31+(W30*0.7)","v":0}]
[null,null,null,{"$f":"IF(LD1Hoofdsom=\"\",\"\",IF(VHAantalLen=1,IF(LD1Hoofdsom<50000,\"Let op: minimale hoofdsom is 50.000 euro\",\"\"),IF(VHAantalLen=2,IF(AND(LD1Hoofdsom>0,F34>0,J34<50000),\"Let op: minimale totale hoofdsom is 50.000 euro\",\"\"),IF(VHAantalLen=3,IF(AND(LD1Hoofdsom>0,F34>0,H34>0,J34<50000),\"Let op: minimale totale hoofdsom is 50.000 euro\",\"\")))))","v":""},null,{"$f":"IF(OR(LD1RenteLptd>LD1LptdLening,F37>F35,H37>H35),\"Let op: de ingevulde rente looptijd is langer dan de looptijd van de lening.\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Visual",null,null,null,null,{"$f":"VLOOKUP(X27,S8:Z24,8,FALSE)","v":{"$error":"#N/A"}},null,null,"H25 & D23*0,70",{"$f":"W31+(V30*0.7)","v":0}]
[null,null,"Eigen woning",null,null,null,null,null,null,null,null,null,null,"Check I","Check J",null,null,null,"Met of zonder huurinkomsten voor pensioen",null,null,null,null,{"$f":"IF(OR(D100>=D95,Bouwsoort=\"Nieuwbouw\",D109>0.15),\"zonder\",\"met\")","v":{"$error":"#N/A"}},null,null,"H25 & D25*0,70",{"$f":"W31+(W30*0.7)","v":0}]
[null,null,"Soort woning","Koopwoning",{"$f":"IF(N41=1,\"\",\"*\")","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(D41=\"\",0,1)","v":1},null,null,null,null,"Toets maandlast (huidig inkomen) - Huurinkomsten niet meegerekend"]
[null,null,{"$f":"IF(D41=\"Inwonend\",\"Fictieve woonlasten\",\"Te betalen huur\")","v":"Te betalen huur"},null,{"$f":"IF(N42=1,\"\",\"*\")","v":""},"per maand",null,null,null,null,null,null,null,{"$f":"IF(D41=\"Koopwoning\",1,IF(D42=\"\",0,1))","v":1},null,null,null,null,"Toets maandlast (huidig inkomen) - Huurinkomsten meegerekend"]
[null,null,"Hypotheek eigen woning",{"$f":" IF(AND(D22<U52,H22<U52),\"\",\"Voor pensionering\")","v":""},null,null,null,{"$f":"IF(P22=0,\"\",\"Na pensionering\")","v":""}]
[null,null,"Restant hoofdsom aflossingsvrij",null,{"$f":"IF(N44=1,\"\",\"*\")","v":"*"},null,null,null,{"$f":"IF(O44=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(OR(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),D41=\"Inwonend\"),1,IF(D44=\"\",0,1))","v":0},{"$f":"IF(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),1,IF($P$22=\"J\",IF(H44=\"\",0,1),1))","v":1},null,null,null,"Met of zonder huurinkomsten na pensioen",null,null,null,null,{"$f":"IF(OR(F100>=F95,Bouwsoort=\"Nieuwbouw\",D109>0.15),\"zonder\",\"met\")","v":{"$error":"#N/A"}}]
[null,null,"Toetsrente aflossingsvrij",null,{"$f":"IF(N45=1,\"\",\"*\")","v":"*"},null,null,null,{"$f":"IF(O45=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),1,IF(D45=\"\",0,1))","v":0},{"$f":"IF(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),1,IF($P$22=\"J\",IF(H45=\"\",0,1),1))","v":1},null,null,null,"Toets maandlast (na pensionering) - Huurinkomsten niet meegerekend"]
[null,null,"Bijbehorende maandelijkse lasten",{"$f":"(D44*D45)/12","v":0},null,null,null,{"$f":"IF(P22=\"J\",(H44*H45)/12,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,"Toets maandlast (na pensionering) - Huurinkomsten meegerekend"]
[null,null,"Oorspronkelijke hoofdsom niet aflossingsvrij",null,{"$f":"IF(N47=1,\"\",\"*\")","v":"*"},null,null,null,{"$f":"IF(O47=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),1,IF(D47=\"\",0,1))","v":0},{"$f":"IF(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),1,IF($P$22=\"J\",IF(H47=\"\",0,1),1))","v":1}]
[null,null,"Toetsrente niet aflossingsvrij",null,{"$f":"IF(N48=1,\"\",\"*\")","v":"*"},null,null,null,{"$f":"IF(O48=1,\"\",\"*\")","v":""},null,null,null,null,{"$f":"IF(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),1,IF(D48=\"\",0,1))","v":0},{"$f":"IF(OR(D41=\"Huurwoning\",D41=\"Inwonend\"),1,IF($P$22=\"J\",IF(H48=\"\",0,1),1))","v":1}]
[null,null,"Bijbehorende maandelijkse lasten",{"$f":"PMT(D48/12,360,-D47,0,0)","v":0},null,null,null,{"$f":"IF(P22=\"J\",PMT(H48/12,360,-H47,0,0),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(N41:O49)","v":6},10,{"$f":"IF(N50=O50,\"Goed\",\"Fout\")","v":"Fout"}]
[null,null,"Andere verhuurde panden in bezit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pensioenleeftijd",null,67,{"$f":"U51-1","v":66},{"$f":"CONCATENATE(\"<\",U51)","v":"<67"}]
[null,null,"Aantal panden in bezit voor verhuur (maximaal 4)",null,{"$f":"IF(N52=1,\"\",\"*\")","v":"*"},"inclusief het woonhuis waar deze hypotheek voor is",null,null,null,null,null,null,null,{"$f":"IF(D52=\"\",0,1)","v":0},null,null,null,null,null,null,{"$f":"U51-10","v":57},{"$f":"V51-10","v":56}]
[null,null,"Huurinkomsten andere panden",null,{"$f":"IF(N53=1,\"\",\"*\")","v":"*"},"per maand, uit verhuur voor permanente bewoning",null,null,null,null,null,null,null,{"$f":"IF(D52=1,1,IF(D53=\"\",0,1))","v":0}]
[null,null,"Hypotheeklasten andere panden",null,{"$f":"IF(N54=1,\"\",\"*\")","v":"*"},"per maand",null,null,null,null,null,null,null,{"$f":"IF(D52=1,1,IF(D54=\"\",0,1))","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(N52:N54)","v":0},3,{"$f":"IF(N55=O55,\"Goed\",\"Fout\")","v":"Fout"}]
[null,null,"Overige financiële verplichtingen"]
[null,null,"Overige of consumptieve kredieten",null,{"$f":"IF(N57=1,\"\",\"*\")","v":"*"},null,null,null,null,null,null,null,null,{"$f":"IF(D57=\"\",0,1)","v":0}]
[null,null,"Erfpacht ",null,{"$f":"IF(N58=1,\"\",\"*\")","v":"*"},null,null,null,null,null,null,null,null,{"$f":"IF(D58=\"\",0,1)","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"N58+N57","v":0},2,{"$f":"IF(N61=O61,\"Goed\",\"Fout\")","v":"Fout"}]
[null,null,{"$f":"IF(N64=O64,\"\",\"Een van de verplichte invoervelden heeft nog geen invoer. Zie de * achter het veld voor wat nog ingevuld moet worden.\")","v":"Een van de verplichte invoervelden heeft nog geen invoer. Zie de * achter het veld voor wat nog ingevuld moet worden."},null,null,null,null,null,null,null,null,null,null,{"$f":"N64","v":30},"van de 53"]
[]
[null,null,"Financiering Verhuurhypotheek",null,null,null,null,null,null,null,{"$f":"IF(SUM(M66:M70)=0,\"Akkoord\",\"Niet akkoord\")","v":{"$error":"#DIV/0!"}},null,null,{"$f":"N50+N38+N28+N19+N10+N61+N55","v":30},53,{"$f":"IF(N64=O64,\"Goed\",\"Fout\")","v":"Fout"}]
[null,null,null,null,null,"norm",null,null,null,"waarde"]
[null,null,"Verstrekking tov marktwaarde (in verhuurde staat)",null,null,0.7,null,null,null,{"$f":"J34/D103","v":{"$error":"#DIV/0!"}},{"$f":"IF(J66>F66,\"û\",\"ü\")","v":{"$error":"#DIV/0!"}},null,{"$f":"IF(K66=\"ü\",0,1)","v":{"$error":"#DIV/0!"}}]
[null,null,"Aflossingsvrij tov marktwaarde (in verhuurde staat)",null,null,0.5,null,null,null,{"$f":"(IF(D33=Selectielijsten!K2,Toets!D34,0)+IF(F33=Selectielijsten!K2,Toets!F34,0)+IF(Toets!H33=Selectielijsten!K2,Toets!H34,0))/D103","v":{"$error":"#DIV/0!"}},{"$f":"IF(J67>F67,\"û\",\"ü\")","v":{"$error":"#DIV/0!"}},null,{"$error":"#DIV/0!"}]
[null,null,"Panden in bezit voor verhuur",null,null,4,null,null,null,{"$f":"D52","v":0},{"$f":"IF(J68>F68,\"û\",\"ü\")","v":"ü"},null,0]
[null,null,{"$f":"IF(X39=\"B\",\"\",IF(X40=\"met\",S42,S41))","v":{"$error":"#N/A"}},null,null,{"$f":"IF(C69=\"\",\"\",IF(D100>=D95,D100,D94))","v":{"$error":"#N/A"}},null,null,null,{"$f":"IF(C69=\"\",\"\",D95)","v":{"$error":"#N/A"}},{"$f":"IF(C69=\"\",\"\",IF(J69>F69,\"û\",\"ü\"))","v":{"$error":"#N/A"}},null,{"$f":"IF(C69=\"\",0,IF(K69=\"ü\",0,1))","v":{"$error":"#N/A"}}]
[null,null,{"$f":"IF(OR(X39=\"B\",X39=\"C\"),IF(X44=\"met\",S46,S45),\"\")","v":{"$error":"#N/A"}},null,null,{"$f":"IF(C70=\"\",\"\",IF(F100>=F95,F100,F94))","v":{"$error":"#N/A"}},null,null,null,{"$f":"IF(C70=\"\",\"\",F95)","v":{"$error":"#N/A"}},{"$f":"IF(C70=\"\",\"\",IF(J70>F70,\"û\",\"ü\"))","v":{"$error":"#N/A"}},null,{"$f":"IF(C70=\"\",0,IF(K70=\"ü\",0,1))","v":{"$error":"#N/A"}}]
[]
[]
[null,null,"          Deze berekening is indicatief. Er kunnen geen rechten aan worden ontleend. "]
[null,null,"          Nationale-Nederlanden beoordeelt de uiteindelijke aanvraag voor de Verhuurhypotheek."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Berekening"]
[null,null,"AFM Toetsrente indien rente looptijd < 10 jaar",0.05]
[null,null,"Toetsrente tbv financieringslastpercentage",{"$f":"(IF(OR(D34=\"\",D34=0),0,(D34*D38*D108))+IF(OR(F34=\"\",F34=0),0,(F34*F38*F108))+IF(OR(H34=\"\",H34=0),0,(H34*H38*H108))+IF(OR(D44=\"\",D44=0),0,(D44*D45*30))+IF(OR(D47=\"\",D47=0),0,(D47*D48*30)))/(IF(OR(D34=\"\",D34=0),0,(D34*D108))+IF(OR(F34=\"\",F34=0),0,(F34*F108))+IF(OR(H34=\"\",H34=0),0,(H34*H108))+IF(OR(D44=\"\",D44=0),0,(D44*30))+IF(OR(D47=\"\",D47=0),0,(D47*30)))","v":{"$error":"#DIV/0!"}},null,{"$f":"(IF(OR(D34=\"\",D34=0),0,(D34*D38*D108))+IF(OR(F34=\"\",F34=0),0,(F34*F38*F108))+IF(OR(H34=\"\",H34=0),0,(H34*H38*H108))+IF(OR(H44=\"\",H44=0),0,(H44*H45*30))+IF(OR(H47=\"\",H47=0),0,(H47*H48*30)))/(IF(OR(D34=\"\",D34=0),0,(D34*D108))+IF(OR(F34=\"\",F34=0),0,(F34*F108))+IF(OR(H34=\"\",H34=0),0,(H34*H108))+IF(OR(H44=\"\",H44=0),0,(H44*30))+IF(OR(H47=\"\",H47=0),0,(H47*30)))","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,"Voor pensioen",null,"Na pensioen"]
[null,null,"Inkomen tbv financieringslastpercentage",{"$f":"X97","v":{"$error":"#N/A"}},null,{"$f":"X114","v":{"$error":"#N/A"}}]
[null,null,"Financieringslastpercentage box 1 ",{"$f":"X101","v":{"$error":"#N/A"}},null,{"$f":"X118","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"met huur","zonder huur"]
[null,null,"Financieringslastpercentage box 3",{"$f":"X102","v":{"$error":"#N/A"}},null,{"$f":"X119","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,"Berekening toets 1",null,null,"Inkomen werk",null,{"$f":"VLOOKUP(X27,S8:AF24,13,FALSE)","v":{"$error":"#N/A"}}]
[null,null,"Toetsinkomen tbv toegestane financieringslast",{"$f":"X104","v":{"$error":"#DIV/0!"}},null,{"$f":"X121","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen huur",null,{"$f":"IF(AND(Bouwsoort=\"Bestaande bouw\",D109<=0.15),IF(D14=\"ja\",0.7*D15,0.4*D15)*12*1.5,0)","v":{"$error":"#DIV/0!"}}]
[null,null,"Toegestane financieringslast Verhuurhypotheek",{"$f":"((D91*D93)/12)-D58-D57-D46-D49-D42","v":{"$error":"#N/A"}},null,{"$f":"IF(P22=\"\",\"\",((F91*F93)/12)-D58-D57-D107-D42)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen huur (ander pand)",null,{"$f":"((D53*0.7)-D54)*12*1.5","v":0}]
[null,null,"Vastgestelde annuïtaire maandlast",{"$f":"(PMT(D38/12,D108*12,-D34,0,0)+(IF(OR(F34=\"\",F108=\"\",F38=\"\"),0,PMT(F38/12,F108*12,-F34,0,0))+(IF(OR(H34=\"\",H108=\"\",H38=\"\"),0,PMT(H38/12,H108*12,-H34,0,0)))))*(D91/D92)","v":{"$error":"#VALUE!"}},null,{"$f":"IF(P22=\"\",\"\",(PMT(D38/12,D108*12,-D34,0,0)+(IF(OR(F34=\"\",F108=\"\",F38=\"\"),0,PMT(F38/12,F108*12,-F34,0,0)))+(IF(OR(H34=\"\",H108=\"\",H38=\"\"),0,PMT(H38/12,H108*12,-H34,0,0)))))*(F91/F92)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen vermogen",null,{"$f":"((D27+H27)*0.03)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kosten alimentatie",null,"Is in inkomen werk erbij opgenomen"]
[null,null,"Inkomen tbv financieringslastpercentage ZONDER huurinkomsten",{"$f":"Y97","v":{"$error":"#N/A"}},null,{"$f":"Y114","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal inkomen",null,{"$f":"SUM(X92:X95)","v":{"$error":"#N/A"}},{"$f":"X97-X93","v":{"$error":"#N/A"}}]
[null,null,"Financieringslastpercentage box 1 ZONDER huurinkomsten",{"$f":"Y101","v":{"$error":"#N/A"}},null,{"$f":"Y118","v":{"$error":"#N/A"}}]
[null,null,"Toetsinkomen tbv toegestane financieringslast ZONDER huurinkomsten",{"$f":"Y104","v":{"$error":"#DIV/0!"}},null,{"$f":"Y121","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tabel",null,{"$f":"VLOOKUP(X27,S8:AD24,10,FALSE)","v":{"$error":"#N/A"}}]
[null,null,"Toegestane financieringslast ZONDER huurinkomsten",{"$f":"((D98*D99)/12)-D58-D57-D46-D49-D42","v":{"$error":"#N/A"}},null,{"$f":"IF(P22=\"\",\"\",((F98*F99)/12)-D58-D57-D107-D42)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Box 1%",null,{"$f":"IF(X99=W51,VLOOKUP(X97,'Financieringslasttabel Box1'!A5:M99,D105,TRUE),VLOOKUP(X97,'Financieringslasttabel Box1'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}},{"$f":"IF(X99=W51,VLOOKUP(Y97,'Financieringslasttabel Box1'!A5:M99,D105,TRUE),VLOOKUP(Y97,'Financieringslasttabel Box1'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}}]
[null,null,"Hulpvelden",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Box 3%",null,{"$f":"IF(X99=W51,VLOOKUP(X97,'Financieringslasttabel Box3'!A5:M99,D105,TRUE),VLOOKUP(X97,'Financieringslasttabel Box3'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}},{"$f":"IF(X99=W51,VLOOKUP(Y97,'Financieringslasttabel Box3'!A5:M99,D105,TRUE),VLOOKUP(Y97,'Financieringslasttabel Box3'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}}]
[null,null,"Marktwaarde (voor/na verbouwing)",{"$f":"IF(D17>0,D18,D13)","v":0}]
[null,null,"Huurinkomsten per jaar (omgerekend naar bruto bedrag)",{"$f":"IF(AND(Bouwsoort=\"Bestaande bouw\",D109<=0.15),IF(D14=\"ja\",0.7*D15,0.4*D15)*12*1.5,0)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toetsinkomen",null,{"$f":"(V30+V31+X93+X94+X95)","v":{"$error":"#DIV/0!"}},{"$f":"X104-X93","v":{"$error":"#DIV/0!"}}]
[null,null,"Kolom financieringslastpercentage",{"$f":"VLOOKUP(D87,'Hulptabel financieringslast'!A2:B13,2,TRUE)","v":{"$error":"#DIV/0!"}},null,{"$f":"VLOOKUP(F87,'Hulptabel financieringslast'!A2:B13,2,TRUE)","v":{"$error":"#DIV/0!"}}]
[null,null,"Inkomen",{"$f":"D23","v":0},null,{"$f":"H23","v":0}]
[null,null,"Hypotheek eigen woning na pensionering",{"$f":"IF(H44+H47>0,H46+H49,IF(H44+H47=0,0,D46+D49))","v":0}]
[null,null,"Looptijd voor berekening",{"$f":"IF(D33=Selectielijsten!$K$2,30,Toets!D35)","v":0},{"$f":"IF(E33=Selectielijsten!$K$2,30,Toets!E35)","v":"*"},{"$f":"IF(F33=Selectielijsten!$K$2,30,Toets!F35)","v":0},{"$f":"IF(G33=Selectielijsten!$K$2,30,Toets!G35)","v":""},{"$f":"IF(H33=Selectielijsten!$K$2,30,Toets!H35)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"met huur","zonder huur"]
[null,null,"Mee te financieren verbouwing tov marktwaarde (in verhuurde staat)",{"$f":"Verb_Finan/Marktwaarde","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Berekening toets 2",null,null,"Inkomen werk",null,{"$f":"IF(VLOOKUP(X27,S8:AF24,14,FALSE)=0,X92,VLOOKUP(X27,S8:AF24,14,FALSE))","v":{"$error":"#N/A"}}]
[null,null,"Hypotheek andere verhuurde panden na pensionering",{"$f":"IF(MAX(D22,H22)+#REF!<66,0,#REF!)+#REF!","v":{"$error":"#REF!"}},null,{"$f":"IF(MAX(F22,J22)+#REF!<66,0,#REF!)+#REF!","v":{"$error":"#REF!"}},null,{"$f":"IF(MAX(H22,L22)+#REF!<66,0,#REF!)+#REF!","v":{"$error":"#REF!"}},null,{"$f":"D110+F110+H110","v":{"$error":"#REF!"}},null,null,null,null,"RvD: regel toegevoegd, deze is nog optioneel",null,null,null,null,null,null,"Inkomen huur",null,{"$f":"IF(AND(Bouwsoort=\"Bestaande bouw\",D109<=0.15),IF(D14=\"ja\",0.7*D15,0.4*D15)*12*1.5,0)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen huur (ander pand)",null,{"$f":"((D53*0.7)-D54)*12*1.5","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inkomen vermogen",null,{"$f":"((D27+H27)*0.03)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kosten alimentatie",null,"Is in inkomen werk erbij opgenomen"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Totaal inkomen",null,{"$f":"SUM(X109:X112)","v":{"$error":"#N/A"}},{"$f":"X114-X110","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tabel",null,{"$f":"VLOOKUP(X27,S8:AD24,12,FALSE)","v":{"$error":"#N/A"}}]
[null,"ACCEPTATIEVOORWAARDEN VERHUURHYPOTHEEK"]
[null,"▪","De Verhuurhypotheek wordt verstrekt aan natuurlijke personen. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Box 1%",null,{"$f":"IF(X116=W51,VLOOKUP(X114,'Financieringslasttabel Box1'!A5:M99,F105,TRUE),VLOOKUP(X114,'Financieringslasttabel Box1'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}},{"$f":"IF(X116=W51,VLOOKUP(Y114,'Financieringslasttabel Box1'!A5:M99,F105,TRUE),VLOOKUP(Y114,'Financieringslasttabel Box1'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}}]
[null,"▪","Indien meerdere kredietnemers alleen aan levenspartners. Partner tekent in principe mee, voor uitzonderingen geldt zelfde beleid als eigen woning hypotheken.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Box 3%",null,{"$f":"IF(X116=W51,VLOOKUP(X114,'Financieringslasttabel Box3'!A5:M99,F105,TRUE),VLOOKUP(X114,'Financieringslasttabel Box3'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}},{"$f":"IF(X116=W51,VLOOKUP(Y114,'Financieringslasttabel Box3'!A5:M99,F105,TRUE),VLOOKUP(Y114,'Financieringslasttabel Box3'!A106:M199,F105,TRUE))","v":{"$error":"#N/A"}}]
[null,"▪","Maximaal 4 panden voor verhuur in bezit (inclusief woonhuis Verhuurhypotheek)."]
[null,"▪","Het woonhuis dat wordt/is verhuurd moet gelegen zijn in Nederland.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Toetsinkomen",null,{"$f":"(W30+W31+X110+X111+X112)","v":{"$error":"#DIV/0!"}},{"$f":"X121-X110","v":{"$error":"#DIV/0!"}}]
[null,"▪","Hypotheekbedrag is maximaal 70% van de marktwaarde van het woonhuis in verhuurde staat."]
[null,"▪","Aflossingsvrij maximaal 50% van de marktwaarde van het woonhuis in verhuurde staat."]
[null,"▪","Looptijd van de lening: maximaal 30 jaar (economische looptijd)."]
[null,"▪","Huurinkomsten van het te financieren woonhuis kunnen worden meegerekend bij de vaste en bestendige inkomsten:"]
[null,null,"-  als woonhuis bestaande bouw is en voor minder dan 15% van de marktwaarde wordt verbouwd"]
[null,null,"-  als woonhuis al is verhuurd: 70% van de huurinkomsten (werkelijke huurinkomsten of de getaxeerde huurinkomsten "]
[null,null,"    als deze lager zijn)"]
[null,null,"-  als woonhuis nog niet is verhuurd: 40% van de getaxeerde huurinkomsten"]
[null,null,"De huurinkomsten zijn netto bedragen. Voor de inkomenstoetsing (gaat uit van bruto bedragen) verminderen we de huurinkomsten met de hypotheeklasten en vermenigvuldigen we met factor 1,5."]
[null,null,"Als het woonhuis nog niet is verhuurd, dient uit het taxatierapport te blijken dat het woonhuis binnen 3 maanden voor de getaxeerde huurprijs kan worden verhuurd."]
[null,"▪","Lasten hypotheek eigen woning worden onder het kopje 'Eigen woning' meegenomen als financiële verplichting:"]
[null,null,"-  rente: AFM toetsrente, of de werkelijke rente als deze lager is en een resterende rentelooptijd heeft van min. 10 jaar;"]
[null,null,"-  lasten aflossingsvorm aflossingsvrij: pro resto hoofdsom * rente * (1/12);"]
[null,null,"-  alle overige aflossingsvormen: annuïtaire last van oorspronkelijke hoofdsom met een looptijd van 30 jaar."]
[null,"▪","Is er geen eigen woning? Dan worden de huurkosten meegenomen als financiële verplichting. Als een klant inwonend is (geen eigen woning en geen huurwoning), dan wordt er minimaal € 700 per maand aan fictieve woonlasten meegenomen als financiële verplichting."]
[null,"▪","De huurinkomsten van andere verhuurde panden die in bezit zijn worden voor 70% meegerekend voor de vaste en bestendige inkomsten voor 70%. Voor de inkomenstoetsing verminderen we ook de huurinkomsten met de hypotheeklasten en vermenigvuldigen we met factor 1,5. Als een pand (tijdelijk) niet is verhuurd of niet wordt verhuurd voor permanente bewoning, worden de huurinkomsten niet meegerekend."]
[null,"▪","De financieringslasten van andere verhuurde panden worden meegenomen als financiële verplichting, met de werkelijke lasten. Aflossingsvrij: restant hoofdsom * rentepercentage. Overige aflossingsvormen: restant hoofdsom * annuïtaire last * resterende looptijd. Als de hypothecaire lasten gebaseerd zijn op een variabele rente, dan worden de hypothecaire lasten gebaseerd op een maandlast op basis van de GHF-toetsrente en een 30-jarige annuïteit voor de restant hoofdsom."]
[null,"▪","De lasten van de Verhuurhypotheek worden getoetst tegen de annuïtaire maandlasten (ook het aflossingsvrij deel) met de AFM toetsrente (of de werkelijke rente als deze lager is en een looptijd heeft van minimaal 10 jaar)."]
[null,"▪","Leningbedrag: minimaal € 50.000 en maximaal € 500.000."]
[null,"▪","Woonhuis wordt verhuurd voor permanente bewoning (geen kamerverhuur, tijdelijke verhuur, bedrijfsmatige verhuur)."]
[null,"▪","Geen recreatie woonhuizen, woon- /winkelpanden, woon- /praktijkpanden, woonboten, woonwagens, en sociale woningbouw."]
[null,"▪","Geen omzetting van bestaande eigen woning hypotheek naar een Verhuurhypotheek."]
[null,"▪","Geen verhoging van een Verhuurhypotheek."]
[null,"▪","Klant is woonachtig in Nederland (niet de Nederlandse Antillen) en heeft de nationaliteit van een EU-land of een (permanente) Nederlandse verblijfsvergunning."]
[]
[]
[null,"ZEKERHEDEN VERHUURHYPOTHEEK"]
[null,"▪","Hypotheek op het verhuurde/te verhuren woonhuis."]
[null,"▪","Huurinkomsten worden niet direct bij het verstrekken van de hypotheek verpand. Verpanding wordt pas geregeld als de hypotheekgever in gebreke blijft. "]
[]
[]
[null,"BEWIJSDOCUMENTEN VERHUURHYPOTHEEK"]
[null,"▪","Taxatierapport met hierin: \n- de marktwaarde van het woonhuis vrij van huur en gebruik; \n- de marktwaarde van het woonhuis in verhuurde staat;\n- de te verwachte huurinkomsten per jaar;\n- als het woonhuis nog niet is verhuurd: hoelang het duurt om het woonhuis te verhuren tegen de genoemde verwachte \n   huurinkomsten."]
[null,"▪","Meest recente aangifte IB."]
[null,"▪","Bewijsstuk hypotheek eigen woning (restant hoofdsom, oorspronkelijke hoofdsom en aflossingsvorm per leningdeel)."]
[null,"▪","Huurovereenkomst (indien al aanwezig)."]
[null,"▪","Huurinkomsten van andere woningen in bezit moeten worden aangetoond door het overleggen van een huurcontract."]
[null,"▪","De financieringslasten van andere verhuurde panden in bezit moeten worden aangetoond."]
[null,"▪","Bewijslast in te brengen eigen middelen."]
[null,"▪","Verklaring Verhuurhypotheek (verklaring herkomst in te brengen eigen middelen en verklaring dat er geen ander huis in bezit is wat wordt verhuurd)."]
[null,"▪","Reguliere bewijsstukken voor inkomen."]

{"sheet":"ROI","index":1,"n_rows":27,"n_cols":8,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
[]
["Rendement op investering"]
["- Investering (inclusief 5% kosten koper)",{"$f":"(Toets!D13*1.05)-Toets!J34","v":0}]
["- Kosten (financieringslasten + 1% exploitatiekosten)",{"$f":"((Toets!D34*Toets!D36)+(Toets!F34*Toets!F36)+(Toets!H34*Toets!H36))+(Toets!D103*0.01)","v":0}]
["- Inkomen",{"$f":"Toets!D15*12","v":0}]
["ROI",{"$f":"(B5-B4)/B3","v":{"$error":"#DIV/0!"}}]
[]
[null,null,"Resultaat Y5"]
["Verkoopresultaat 1",-0.05,{"$f":"((Toets!D103*(ROI!B9+1))-H15)+H22+H24","v":{"$error":"#DIV/0!"}},{"$f":"C9/B$3","v":{"$error":"#DIV/0!"}},{"$f":"D9/5","v":{"$error":"#DIV/0!"}}]
["Verkoopresultaat 2",0,{"$f":"((Toets!D103*(ROI!B10+1))-H15)+H22+H24","v":{"$error":"#DIV/0!"}},{"$f":"C10/B$3","v":{"$error":"#DIV/0!"}},{"$f":"D10/5","v":{"$error":"#DIV/0!"}}]
["Verkoopresultaat 3",0.1,{"$f":"((Toets!D103*(ROI!B11+1))-H15)+H22+H24","v":{"$error":"#DIV/0!"}},{"$f":"C11/B$3","v":{"$error":"#DIV/0!"}},{"$f":"D11/5","v":{"$error":"#DIV/0!"}}]
["Verkoopresultaat 4",0.2,{"$f":"((Toets!D103*(ROI!B12+1))-H15)+H22+H24","v":{"$error":"#DIV/0!"}},{"$f":"C12/B$3","v":{"$error":"#DIV/0!"}},{"$f":"D12/5","v":{"$error":"#DIV/0!"}}]
[]
[null,null,"Y1","Y2","Y3","Y4","Y5","CUM"]
[null,"Investering",{"$f":"(Toets!D13*1.05)+Toets!D17","v":0},null,null,null,null,{"$f":"C15","v":0}]
[null,"Huur",{"$f":"$B5","v":0},{"$f":"$B5","v":0},{"$f":"$B5","v":0},{"$f":"$B5","v":0},{"$f":"$B5","v":0}]
[null,"Exploitatie",{"$f":"2500","v":2500},{"$f":"2500","v":2500},{"$f":"2500","v":2500},{"$f":"2500","v":2500},{"$f":"2500","v":2500}]
[null,"Financiering (totaal)",{"$f":"C19+C20+C21","v":{"$error":"#DIV/0!"}},{"$f":"C18","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[null,"- Leningdeel 1",{"$f":"IF(Toets!D33=Selectielijsten!K2,Toets!D34*Toets!D36,IF(Toets!D33=Selectielijsten!K3,(PMT(Toets!D36/12,Toets!D35*12,-Toets!D34,0,0)*12),(Toets!D34*Toets!D36)+(Toets!D34/Toets!D35)))","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[null,"- Leningdeel 2",{"$f":"IF(Toets!F33=\"\",0,(Toets!F33=Selectielijsten!K2,Toets!F34*Toets!F36,IF(Toets!F33=Selectielijsten!K3,(PMT(Toets!F36/12,Toets!F35*12,-Toets!F34,0,0)*12),(Toets!F34*Toets!F36)+(Toets!F34/Toets!F35))))","v":0},0,0,0,0]
[null,"- Leningdeel 3",{"$f":"IF(Toets!H33=\"\",0,IF(Toets!H33=Selectielijsten!K2,Toets!H34*Toets!H36,IF(Toets!H33=Selectielijsten!K3,(PMT(Toets!H36/12,Toets!H35*12,-Toets!H34,0,0)*12),(Toets!H34*Toets!H36)+(Toets!H34/Toets!H35))))","v":0},0,0,0,0]
[null,"Cashflow",{"$f":"C16-C17-C18","v":{"$error":"#DIV/0!"}},{"$f":"D16-D17-D18","v":{"$error":"#DIV/0!"}},{"$f":"E16-E17-E18","v":{"$error":"#DIV/0!"}},{"$f":"F16-F17-F18","v":{"$error":"#DIV/0!"}},{"$f":"G16-G17-G18","v":{"$error":"#DIV/0!"}},{"$f":"SUM(C22:G22)","v":{"$error":"#DIV/0!"}}]
[null,"Schuld",{"$f":"Toets!J34-C24","v":{"$error":"#DIV/0!"}},{"$f":"C23-D24","v":{"$error":"#DIV/0!"}},{"$f":"D23-E24","v":{"$error":"#DIV/0!"}},{"$f":"E23-F24","v":{"$error":"#DIV/0!"}},{"$f":"F23-G24","v":{"$error":"#DIV/0!"}},{"$f":"G23","v":{"$error":"#DIV/0!"}}]
[null,"Aflossing",{"$f":"C25+C26+C27","v":{"$error":"#DIV/0!"}},{"$f":"D25+D26+D27","v":{"$error":"#DIV/0!"}},{"$f":"E25+E26+E27","v":{"$error":"#DIV/0!"}},{"$f":"F25+F26+F27","v":{"$error":"#DIV/0!"}},{"$f":"G25+G26+G27","v":{"$error":"#DIV/0!"}},{"$f":"SUM(C24:G24)","v":{"$error":"#DIV/0!"}}]
[null,"- Leningdeel 1",{"$f":"IF(Toets!D33=Selectielijsten!K2,0,IF(Toets!D33=Selectielijsten!K3,C19-(Toets!D34*Toets!D36),(Toets!D34/Toets!D35)))","v":{"$error":"#DIV/0!"}},{"$f":"C25","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C25:G25)","v":{"$error":"#DIV/0!"}}]
[null,"- Leningdeel 2",{"$f":"IF(Toets!F33=\"\",0,IF(Toets!F33=Selectielijsten!K2,0,IF(Toets!F33=Selectielijsten!K3,C20-(Toets!F34*Toets!F36),(Toets!F34/Toets!F35))))","v":0},0,0,0,0,{"$f":"SUM(C26:G26)","v":0}]
[null,"- Leningdeel 3",{"$f":"IF(Toets!H33=\"\",0,IF(Toets!H33=Selectielijsten!K2,0,IF(Toets!H33=Selectielijsten!K3,C21-(Toets!H34*Toets!H36),(Toets!H34/Toets!H35))))","v":0},0,0,0,0,{"$f":"SUM(C27:G27)","v":0}]

{"sheet":"Selectielijsten","index":2,"n_rows":50,"n_cols":15,"rows_kept":50,"cut":false,"hidden":true,"merged":[]}
["TP nr","TP naam","soort inkomen","Looptijd","Looptijd AV","Bouwsoort","ja/nee","rente lptd","verhuurd","leningdelen","Aflosvormen",null,"Plaatsen","Soort woning","Aantal huizen"]
[null,null,"Vast loondienst",30,30,"bestaande bouw","Ja",1,"Ja",1,"Aflossingsvrij",null,"Alkmaar","Koopwoning",1]
[null,null,"Zelfstandig",29,"wordt","nieuwbouw","Nee",2,"Nee",2,"Annuïteiten",null,"Almere","Huurwoning",2]
[null,null,"Flex/tijdelijk",28,"niet meer",null,null,5,null,3,"Lineair",null,"Amersfoort","Inwonend",3]
[null,null,"Pensioen",27,"gebruikt",null,null,6,null,null,null,null,"Amstelveen",null,4]
[null,null,null,26,null,null,null,7,null,null,null,null,"Amsterdam"]
[null,null,null,25,null,null,null,10,null,null,null,null,"Apeldoorn"]
[null,null,null,24,null,null,null,12,null,null,null,null,"Arnhem"]
[null,null,null,23,null,null,null,15,null,null,null,null,"Badhoevedorp"]
[null,null,null,22,null,null,null,20,null,null,null,null,"Bergschenhoek"]
[null,null,null,21,null,null,null,null,null,null,null,null,"Berkel en Rodenrijs"]
[null,null,null,20,null,null,null,null,null,null,null,null,"Breda"]
[null,null,null,19,null,null,null,null,null,null,null,null,"Capelle a/d IJssel"]
[null,null,null,18,null,null,null,null,null,null,null,null,"Delft"]
[null,null,null,17,null,null,null,null,null,null,null,null,"Den Bosch"]
[null,null,null,16,null,null,null,null,null,null,null,null,"Den Haag"]
[null,null,null,15,null,null,null,null,null,null,null,null,"Deventer"]
[null,null,null,14,null,null,null,null,null,null,null,null,"Diemen"]
[null,null,null,13,null,"Toevoegen",null,null,null,null,null,null,"Dordrecht"]
[null,null,null,12,null,"Partners in Planning B.V. (340577).",null,null,null,null,null,null,"Eindhoven"]
[null,null,null,11,null,null,null,null,null,null,null,null,"Enschede"]
[null,null,null,10,null,"Verwijderen",null,null,null,null,null,null,"Gouda"]
[null,null,null,9,null,"Fiduce  300824",null,null,null,null,null,null,"Groningen"]
[null,null,null,8,null,null,null,null,null,null,null,null,"Haarlem"]
[null,null,null,7,null,null,null,null,null,null,null,null,"Hilversum"]
[null,null,null,6,null,null,null,null,null,null,null,null,"Hoofddorp"]
[null,null,null,5,null,null,null,null,null,null,null,null,"Krimpen a/d IJssel"]
[null,null,null,4,null,null,null,null,null,null,null,null,"Leeuwarden"]
[null,null,null,3,null,null,null,null,null,null,null,null,"Leiden"]
[null,null,null,2,null,null,null,null,null,null,null,null,"Leiderdorp"]
[null,null,null,1,null,null,null,null,null,null,null,null,"Leidschendam-Voorburg"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Maastricht"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Nieuwegein"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Nijmegen"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Oegstgeest"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Pijnacker-Nootdorp"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Ridderkerk"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Rijswijk"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Rotterdam"]
[null,null,null,null,null,null,null,null,null,null,null,null,"'s-Hertogenbosch"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Schiedam"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Spijkenisse"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Tilburg"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Utrecht "]
[null,null,null,null,null,null,null,null,null,null,null,null,"Vlaardingen"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Zaanstad"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Zeist"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Zoetermeer"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Zwolle"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Anders"]

{"sheet":"User Access","index":3,"n_rows":35,"n_cols":7,"rows_kept":35,"cut":false,"hidden":true,"merged":[]}
["User Access Design",null,null,null,null,"User Access Implementation","(ISV)"]
["Beschrijf, bijvoorbeeld in de tabel hieronder welke business rollen en welke personen welke verantwoordelijkheden hebben voor het ontwikkelen, testen, goedkeuren en gebruiken van de EUDA en hoe autorisaties daartoe beperkt zijn.",null,null,null,null,"Lever bewijslast dat User Access is geïmplementeerd in overeenstemming met het design. Deze bewijslast moet aantonen dat alleen geïdentificeerde gebruikersgroepen toegang hebben en dat deze gebruikersgroepen bestaan uit de verwachte leden. Vervang daartoe onderstaande schermprintjes die als voorbeeld zijn toegevoegd."]
[]
[null,null,null,null,null,"Bewijslast voor de implementatie van rollen / gebruikers groepen"]
["Gebruikersoverzicht / SOLL"]
["Gebruiker","Rol","Verantwoordelijkheden","Autorisaties"]
["Data DI NN RTD RW","AR04681","nvt","nvt"]
["Ervaren medewerker Personeelshypotheken NN","BR02235","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Medewerker Hypotheken NN","BR04585","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Ervaren medewerker Hypotheken NN","BR04586","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Ervaren medewerker Financieringsmaatschappij Hypotheken NN","BR04588","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Secretaresse Hypotheken Nationale Nederlanden","BR04590","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Medewerker Bancaire Services","BR04592","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["3de Echelonmanager NN","BR04597","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Medewerker FB Hypotheken","BR04599","plaatsen van de tool op de RTD","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Medewerker PM AB Homes","BR04602","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Medewerker BPM excl. BA","BR04604","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["4de Echelonmanager Hypotheken NN","BR04639","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Medewerker BPM en FB","BR04695","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Klachtmanagement Bank","BR04923","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Medewerker Coordinatie en Analyse","BR04942","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["Call Medewerker Hypotheken","BR05135","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
["NNA ROL tbv wall Display","NR00072","gebruik","Tool is beveiligd met een wachtwoord om wijzigingen door te kunnen voeren. Gebruiker beschikt niet over het wachtwoord. "]
[]
[]
[]
[]
[]
["Dit tabblad is voor het laatst geupdate"]
["op:","door:"]
["2017-12-11","Dennis Twilt",null,null,null,"Bewijslast per gebruikersgroep dat deze groep bestaat uit de verwachte leden:"]
[]
["Het gebruikersoverzicht (SOLL) is voor het laatst gecontroleerd"]
["op:","door:"]
["2017-12-11","Dennis Twilt"]

{"sheet":"LCM","index":4,"n_rows":6,"n_cols":3,"rows_kept":6,"cut":false,"hidden":true,"merged":[[0,0,0,1],[1,0,1,1],[2,0,2,1]]}
["Life Cycle Management",null,"datum / tijdvak"]
["Startdatum gebruik EUDA:"]
["Verwachte einddatum gebruik EUDA:"]
[]
["Voorziene aanpassingen","Omschrijving","datum / tijdvak"]
["bijv. v1.1","bijv. Aanpassing rentestanden","bijv. kwartaallijks"]

{"sheet":"Versiebeheer","index":5,"n_rows":10,"n_cols":16,"rows_kept":10,"cut":false,"hidden":true,"merged":[[0,0,0,9]]}
["Wijzigingen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"yes"]
["Datum","Versienummer","Wijziging","Auteur","Getest door","Datum test akkoord","DAO verklaart dat deze change geen impact heeft op de classificatie van de Euda.","DAO verklaart dat de classificatie van de Euda op het Euda Assessment Sharepoint is bijgewerkt, eventueel benodigde maatregelen zijn genomen, en met een approval op de workflows afgerond.","DAO accepteert restrisico's.2","Datum Akkoord DAO",null,null,null,null,null,"no"]
[null,"4.19 en eerder","Voor eerdere versies zie tabblad Backlog","Martijn de Lugt & Rogier van Dijk"]
["2017-12-08","4.20","- Toevoeging van Soort woning Inwonend (incl. validatie)\n- Regel 12 (plaats van woonhuis) verborgen (nu ook toonmacro's aangepast)\n- Tabbladen EUDA toegevoegd.","Martijn de Lugt","Bart Snijders","2017-12-22","Ja","Ja","Ja","2017-12-27"]
["2017-12-11","4.21","Acceptatie voorwaarde regel toegevoegd over huurkosten / kosten inwoning (regel 147)","Rogier van Dijk","Bart Snijders","2017-12-22","Ja","Ja","Ja","2017-12-27"]
["2017-12-11","4.22","- Protection; Private module toegevoegd\n- Tabblad User Access toegevoegd ihkv EUDA\n- Bug opgelost: nieuwe berekening starten","Martijn de Lugt","Bart Snijders","2017-12-22","Ja","Ja","Ja","2017-12-27"]
["2017-12-20","4.23","-Aanpassing dat voor Aflossingsvrij niet geldt dat als rentelooptijd >= looptijd lening en altijd wordt gerekend met de werkelijke rente (test bevinding). Aanpassing cel D38/F38/H38.\n- Cel D39 rechts uitgelijnd zodat melding in Cel D39 en F39  tegelijk getoond kunnen worden.","Rogier van Dijk","Bart Snijders","2017-12-22","Ja","Ja","Ja","2017-12-27"]
["2017-12-22","4.23","- In macrocode protectie omschrijving opgenomen\n- VBA code correctie van switch Koopwoning naar Huurwoning & Inwonend => nu wordt ook data na pensioen correct verwijderd","Martijn de Lugt","Bart Snijders","2017-12-22","Ja","Ja","Ja","2017-12-27"]
["2018-09-07","4.24","- Max aflosvrij 50%\n- Nieuwbouw toegestaan\n- Mee te financieren verbouwing ongelimiteerd\n- Huurinkomsten niet meenemen bij nieuwbouw of >15% aan markwaarde verbouwen\n- Minimaal 90k marktwaarde\n- Minimaal 50k hoofdsom\n- Regel \"Plaats van het woonhuis\" verwijderd","Bob Luursema"]
[null,"4.25","- Invullen hypotheek van andere verhuurde panden vervangen door 1 invulveld voor de lasten.\n- Woonquote tabellen vervangen\n- Woonlasten aftrekken van inkomsten vóór de brutering","Bob Luursema","Bob Luursema, Annette Mollenvangen, John Herrewijn","12/13/14-11-2018"]

{"sheet":"Backlog","index":6,"n_rows":48,"n_cols":5,"rows_kept":48,"cut":false,"hidden":true,"merged":[]}
[null,null,null,"To do / Done"]
["3.05","2016-09-11","MdL","- Niet tonen onrelevante toets maandlast regel in de berekening overview => snelle fix regel leeg"]
["3.05","2016-09-11","MdL","- Indien woning al verhuurd, dan geen nieuwbouw mogelijk => snelle fix =  autom. bestaande bouw wanneer al verhuurd = ja","Nice to have, kan ook in volgende versie"]
["3.08","2016-09-15","MdL","- Indien soort inkomen = pensioen. Check of waarden inkomen en inkomen na pensionering gelijk zijn (melding) op de makkelijke manier => met msg box"]
["4.03","2016-09-28","MdL","- Aanpassingen n.a.v. CRC changes (met name inputvelden voor andere verhuurde panden)"]
["4.03","2016-09-28","MdL","- Eigen woning => huur- of koopwoning (standaard als koopwoning ingevuld)"]
["4.03","2016-09-28","MdL","- Plek van opslaan PDF (directory kan veranderen door ander bestand tussendoor te openen en op te slaan) => nu altijd in directory waar de rekentool staat"]
["4.04","2016-09-28","MdL","- Door aanpassingen van de acceptatievoorwaarden moeten de toon/verberg macro's aangepast worden => macro aangepast"]
["4.04","2016-09-28","MdL","- Rij 52 en 53 (verhuurde panden & huur daaruit) zijn gemarkeerd als verplichte velden, maar worden niet meegenomen in de totaalcheck => Gefikst"]
["4.04","2016-09-28","MdL","- Check switch huurwoning/koopwoning => zorgt dit voor deleten van de info in het andere onderdeel? Nee, maar nu wel"]
["4.04","2016-09-28","MdL","- Referenties naar leeftijden onjuist door verschuiving cellen => aangepast naar nieuwe regel"]
["4.04","2016-09-28","MdL","- Melding in C82 gaat niet juist: Moet zijn: ALS(OF(X39=\"B\";X39=\"C\");ALS(X44=\"met\";S46;S45);\"\") => aangepast"]
["4.04","2016-09-28","MdL","- Geen blokkerende melding/blokkering op leningbedrag < 75.000 => snelle fix: melding in cel D39 (melding komt pas naar boven wanneer de benodigde "]
[null,null,null,"  bedragen zijn ingevuld en lager zijn de 75k in totaal) Het is hiermee geen blocking issue voor de berekening"]
["4.05","2016-10-03","MdL","- Blokkerende melding D13 minimale waarde (moet zijn 107.142) => aangepast => nu ook de melding tekst"]
["4.06","2016-10-04","MdL","- Berekening toets 2 = altijd toetsrente na pensioen [F] als zoekparameter (ook als tabel <65 is)"]
["4.06","2016-10-04","MdL","- Aanpassing tekst acceptatievoorwaarden (afl.vrij van max 50% naar 35% van marktwaarde)"]
["4.07","2016-10-11","MdL","- Iferror functie eruit gehaald ivm Excel 2003 incompatibility"]
["4.07","2016-10-11","MdL","- Bij iferror eruit tegengekomen dat scenario 17 niet correct werd opgepakt, dus deze meteen aangepast."]
["4.08","2016-10-11","MdL","- Huur andere panden wel meenemen in berekening zonder huur? Ja, wel meenemen"]
["4.08","2016-10-11","RvD","- Lijst intermediair aangepast"]
["4.11","2016-12-05","MdL","- Woonplaats optisch verwijderd (technisch nog controle op \"Alkmaar\")"]
["4.11","2016-12-05","MdL","- Teksten aangepast voor huurinkomsten (toevoeging \"… (kale huur)\" en \"..., excl. bijkomende kosten voor bv. gas, water en licht)"]
["4.12","2016-12-07","MdL","Financieringslasten tabellen vervangen naar 2017 tabellen"]
["4.12","2016-12-07","MdL","Nieuw percentage meetellen tweede inkomen voor bepalen financieringslastpercentage. Was 50%, nu 60%."]
["4.12","2016-12-07","MdL","Alimentatieverplichting: gaat voortaan eerst van inkomen af en dan pas wordt financieringslastpercentage bepaald."]
["4.13","2016-12-30","MdL","Verdere aanpassing inkomen berekening m.b.t. alimentatie (nu in V30 t/m W31 meteen aangepast, alsmede in de X kolom op de 4 relevante plekken)"]
["4.13","2016-12-30","MdL","Tevens een melding toegevoegd wanneer 1e KN inkomen minus alimentatie lager is dan inkomen 2e KN"]
["4.16","2017-06-20","MdL","Pensioenleeftijd variabel gemaakt (niet meer vast 65)"]
["4.17","2017-06-20","MdL","Pensioen invul threshold variabel gemaakt (niet meer vast 55)"]
["4.18","2017-06-26","MdL","Pensioenleeftijd op 67 gezet"]
["4.19","2017-11-24","RvD","Nieuwe financieringslasten tabellen"]
["4.19","2017-11-24","RvD","Bij 2-verdieners, tweede inkomen voor 70% meetellen (was 60%)"]
["4.19","2017-11-24","RvD","Leningrente gebruiken als lening volledig afgelost is op einddatum rvp en rvp is korter dan 10 jaar >> alleen voor VH leningdelen"]
["4.19","2017-11-24","MdL","Melding wanneer rentelooptijd groter is dan lening looptijd."]
[null,null,null,"Zie Tabblad Versiebeheer voor verdere wijzigingen"]
[]
[]
[]
[null,null,null,"Wishlist/ideas"]
[]
[null,null,null,"- Adaptieve beveiliging => wanneer velden niet ingevuld hoeven te worden, dan worden deze beveiligd als niet selecteerbaar"]
[null,null,null,"- Gebruiksinstructie (Rogier stelt deze op, dan kijken we hoe we dat inbouwen [?-jes of acc.voorwaarden methode])"]
[null,null,null,"- Meer dan drie leningdelen in te vullen voor de VH (= flinke structuur verandering voor benodigd)"]
[null,null,null,"- Behouden invoer bij uitgebreidere invulvulden (tot nieuwe berekening knop) => bijvoorbeeld wanneer switchen tussen 1 en 2 kredietnemers, niet elke keer 2e kn inkomen moeten invullen"]
[]
[null,null,null,"- Checken mogelijkheid samenvoegen invoervelden namen (active trigger mogelijkheid merged cell)"]
[null,null,null,"Zie apart bestand 3.03 merged cells => kan, maar heeft nadeel van cellverspringing => keuze is: niet doen"]

{"sheet":"Scenario's","index":7,"n_rows":39,"n_cols":15,"rows_kept":39,"cut":false,"hidden":true,"merged":[[0,12,1,12],[0,13,1,13],[0,5,0,7],[0,8,0,10],[0,0,1,0],[0,1,1,1],[0,2,1,2],[0,3,1,3],[0,4,1,4],[0,11,1,11]]}
["Nr.","Scenario\n","Klant 1","Klant 2","Hoogste ink. toets 2\n","Toets 1",null,null,"Toets 2",null,null,"Naam toets Voor pensionering","Naam toets Na pensionering","Impact"]
[null,null,null,null,null,"Type","Inkomen","Fin. last tabel","Type","Inkomen","Fin. last tabel"]
[1,1,"55-","-","-","Voor pensioen","Huidig","Voor pensioen","-","-","-","Huidig inkomen"]
[2,2,"55-64","-","-","Voor pensioen","Huidig","Voor pensioen","Na pensioen","Pensioen","Na pensioen","Huidig inkomen","Na pensionering"]
[3,3,"65+","-","-","Na pensioen","Pensioen (= huidig)","Na pensioen","-","-","-","-","Na pensionering","Te strakke berekening, omdat berekening voor 65 jaar op fin. last% voor pensioen is."]
[4,4,"55-","55-","-","Voor pensioen","Huidig","Voor pensioen","-","-","-","Huidig inkomen","-"]
[5,5,"65+","65+","-","Na pensioen","Pensioen (= huidig)","Na pensioen","-","-","-","-","Na pensionering","Te strakke berekening, omdat berekening voor 65 jaar op fin. last% voor pensioen is."]
[6,6,"55-","65+","-","Voor pensioen","Huidig (= voor 1: pensioen)","Voor pensioen","-","-","-","Huidig inkomen","-","Geen impact op overall uitkomst"]
[7,6,"65+","55-","-","Na pensioen","Huidig (= voor 1: pensioen)","Na pensioen","-","-","-","-","Huidig","Te strakke berekening, omdat berekening voor 65 jaar op fin. last% voor pensioen is."]
[8,7,"55-65","55-","55-56","Voor pensioen","Huidig","Voor pensioen","Combi","Pensioen /Huidig","Na pensioen","Huidig inkomen","Na pensionering"]
[9,7,"55-65","55-","55-","Voor pensioen","Huidig","Voor pensioen","Combi","Pensioen /Huidig","Voor pensioen","Huidig inkomen","Na pensionering","Te ruime berekening, omdat berekening op fin last Na pensioen is, moet zijn voor pensioen."]
[10,7,"55-","55-56","55-","Voor pensioen","Huidig","Voor pensioen","Combi","Huidig/Pensioen","Voor pensioen","Huidig inkomen","Na pensionering","Te ruime berekening, omdat berekening op fin last Na pensioen is, moet zijn voor pensioen."]
[11,7,"55-","55-56","55-56","Voor pensioen","Huidig","Voor pensioen","Combi","Huidig/Pensioen","Na pensioen","Huidig inkomen","Na pensionering"]
[12,8,"55-65","65+","55-56","Voor pensioen","Huidig (= voor 1: pensioen)","Voor pensioen","Na pensioen","Pensioen","Na pensioen","Huidig inkomen","Na pensionering"]
[13,8,"55-65","65+","65+","Voor pensioen","Huidig (= voor 1: pensioen)","Voor pensioen","Na pensioen","Pensioen","Na pensioen","Huidig inkomen","Na pensionering"]
[14,8,"65+","55-65","65+","Na pensioen","Huidig (= voor 1: pensioen)","Na pensioen","Na pensioen","Pensioen","Na pensioen","Huidig inkomen","Na pensionering","Te strakke berekening, omdat berekening voor 65 jaar op fin. last% voor pensioen is."]
[15,8,"65+","55-65","55-65","Na pensioen","Huidig (= voor 1: pensioen)","Na pensioen","Na pensioen","Pensioen","Na pensioen","Huidig inkomen","Na pensionering","Te strakke berekening, omdat berekening voor 65 jaar op fin. last% voor pensioen is."]
[16,9,"55-65","55-65","-","Voor pensioen","Huidig","Voor pensioen","Na pensioen","Pensioen","Na pensioen","Huidig inkomen","Na pensionering"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"toets 1",null,"toets 2"]
["Instructie: als de klant al met pensioen is, vul dan zowel bij inkomen als bij inkomen na pensionering hetzelfde in",null,null,null,null,null,null,null,null,null,null,"Inkomen","tabel"]
["Instructie: vul als eerste kredietnemer degene met het hoogste huidige inkomen in",null,null,null,null,null,null,null,null,null,null,"D24","<65"]
[null,null,null,null,null,null,null,null,null,null,null,"D24","<65","D26",">65"]
[null,null,null,null,null,null,null,null,null,null,null,"D26",">65"]
["Scenario's Nadya",null,null,null,null,null,null,null,null,null,null,"D24 & H24/2","<65"]
[1,"1 aanvrager 54 jaar: toetsen met huidig inkomen en fin.last tabel voor pensioen",null,null,null,null,null,null,null,null,null,"D26 & H26/2",">65"]
[2,"1 aanvrager 55 t/m 64 jaar: 2 toetsen: toets 1 met huidig inkomen en fin.last tabel voor pensioen + toets 2 met toekomstig pensioeninkomen en fin.lasttabel na pensioen",null,null,null,null,null,null,null,null,null,"D24 & H26/2","<65"]
[3,"1 aanvrager 65 jaar of ouder: toetsen met huidig inkomen (=pensioen) en fin.lasttabel na pensioen ",null,null,null,null,null,null,null,null,null,"D26 & H24/2",">65"]
[4,"2 aanvragers, beide < 55 jaar: toetsen met huidig inkomen en fin.last tabel voor pensioen",null,null,null,null,null,null,null,null,null,"D24 & H24/2","<65","D26 & H24/2",">65"]
[5,"2 aanvragers, beide > 65 jaar: toetsen met huidig inkomen (=pensioen) en fin.lasttabel na pensioen ",null,null,null,null,null,null,null,null,null,"D24 & H24/2","<65","H24 & D26/2","<65"]
[6,"2 aanvragers, 1 < 55 jaar en 1 > 64 jaar: toetsen met huidige inkomen en fin.lasttabel dat hoort bij het hoogste inkomen",null,null,null,null,null,null,null,null,null,"D24 & H24/2","<65","D24 & H26/2","<65"]
[7,"2 aanvragers, 1 < 55 jaar, 1 tussen 54 en 65 jaar: 2 toetsen: toets 1 met huidig inkomen aanvrager 1 en 2 en fin.lasttabel voor pensioen, toets 2 met huidig inkomen aanvrager 1 en toekomstig pensioen aanvrager 2 en fin.lasttabel dat hoort bij hoogste van deze 2 inkomens ",null,null,null,null,null,null,null,null,null,"D24 & H24/2","<65","H26 & D24/2",">65"]
[8,"2 aanvragers, 1 tussen 54 en 65 jaar en 1 > 64 jaar: 2 toetsen: toets 1 met huidig inkomen aanvrager 1 en pensioeninkomen aanvrager 2 en fin.lasttabel dat hoort bij hoogste van deze 2 inkomens, toets 2 met toekomstig pensioeninkomen aanvrager 1 en (huidig) pensioeninkomen aanvrager 2 en fin.lasttabel na pensioen ",null,null,null,null,null,null,null,null,null,"D24 & H26/2","<65","D26 & H26/2",">65"]
[9,"2 aanvragers, beide tussen 54 en 65 jaar: 2 toetsen: toets 1 met huidig inkomen (beide aanvragers) en fin.lasttabel voor pensioen, toets 2 met toekomstig pensioeninkomen (beide aanvragers) en fin.lasttabel na pensioen .",null,null,null,null,null,null,null,null,null,"D24 & H26/2","<65","H26 & D26/2",">65"]
[" Hier zou je dus moeten regelen dat de tool alleen de toets na pensioen uitvoert. Anders zou het kunnen voorkomen dat de toets voor pensioen (waarbij je weliswaar met hetzelfde inkomen rekent) negatief uitkomt. Leeftijd 65 jaar is discutabel, maar is wel gelijk aan hypotheken tool. Dit zou je bv ook kunnen oplossen door zodra er inkomensbron pensioen wordt ingevuld én aanvrager is > 64 jaar, je rekent met fin.lasttabel na pensioen.",null,null,null,null,null,null,null,null,null,null,"D26 & H24/2",">65","D26 & H26/2",">65"]
[" Zie opm 13",null,null,null,null,null,null,null,null,null,null,"D26 & H24/2",">65","H26 & D26/2",">65"]
[" Tool gaat nu bij toets 2 altijd uit van tabel na pensioen. Is dus niet (altijd) juist.",null,null,null,null,null,null,null,null,null,null,"D24 & H24/2","<65","D26 & H26/2","<65"]
[" Tool gaat nu in principe bij toets 1 soms fout, wel goed bij toets 2"]
[" Dit is nu goed ingeregeld in de tool."]

{"sheet":"Acceptatievoorwaarden","index":8,"n_rows":41,"n_cols":2,"rows_kept":41,"cut":false,"hidden":true,"merged":[]}
["ACCEPTATIEVOORWAARDEN VERHUURHYPOTHEEK"]
["▪","De Verhuurhypotheek wordt verstrekt aan natuurlijke personen. "]
["▪","Indien meerdere kredietnemers alleen aan levenspartners. Partner tekent in principe mee, voor uitzonderingen geldt zelfde beleid als eigen woning hypotheken."]
["▪","Maximaal 1 woonhuis voor verhuur in bezit naast de eigen woning (inclusief woonhuis Verhuurhypotheek)."]
["▪","Ligging van het woonhuis: 24 steden in Nederland (zie tab 'Steden Verhuurhypotheek'). "]
["▪","Hypotheekbedrag is maximaal 50% van de marktwaarde van het woonhuis (vrij van huur en gebruik)."]
["▪","Aflossingsvrij maximaal 25% van de marktwaarde van het woonhuis (vrij van huur en gebruik)."]
["▪","Looptijd van de lening: maximaal 30 jaar (economische looptijd)."]
["▪","Huurinkomsten kunnen worden meegerekend bij de vaste en bestendige inkomsten:"]
[null,"-  als woonhuis al is verhuurd: 70% van de huurinkomsten (werkelijke huurinkomsten of de getaxeerde huurinkomsten "]
[null,"    als deze lager zijn)"]
[null,"-  als woonhuis nog niet is verhuurd: 40% van de getaxeerde huurinkomsten"]
[null,"De huurinkomsten zijn netto bedragen. Voor de inkomenstoetsing (gaat uit van bruto bedragen) vermenigvuldigen we de huurinkomsten met factor 1,5."]
[null,"Als het woonhuis nog niet is verhuurd, dient uit het taxatierapport te blijken dat het woonhuis binnen 3 maanden voor de getaxeerde huurprijs kan worden verhuurd."]
["▪","Lasten hypotheek eigen woning worden meegenomen als 'overige financiële verplichtingen':"]
[null,"-  rente: AFM toetsrente, of de werkelijke rente als deze lager is en een resterende rentelooptijd heeft van min. 10 jaar;"]
[null,"-  lasten aflossingsvorm aflossingsvrij: pro resto hoofdsom * rente * (1/12);"]
[null,"-  alle overige aflossingsvormen: annuïtaire last van oorspronkelijke hoofdsom met een looptijd van 30 jaar."]
["▪","De lasten van de Verhuurhypotheek worden getoetst tegen de annuïtaire maandlasten (ook het aflossingsvrij deel) met de AFM toetsrente (of de werkelijke rente als deze lager is en een looptijd heeft van minimaal 10 jaar)."]
["▪","Leningbedrag: minimaal € 75.000 en maximaal € 500.000."]
["▪","Woonhuis wordt verhuurd voor permanente bewoning (geen kamerverhuur, tijdelijke verhuur, bedrijfsmatige verhuur)."]
["▪","Verbouwing kan meegefinancierd worden tot maximaal 10% marktwaarde (vrij van huur en gebruik) voor verbouwing."]
["▪","Geen nieuwbouw woonhuizen, recreatie woonhuizen, woon- /winkelpanden, woon- /praktijkpanden, woonboten, woonwagens, en sociale woningbouw."]
["▪","Geen omzetting van bestaande eigen woning hypotheek naar een Verhuurhypotheek."]
["▪","Geen verhoging van een Verhuurhypotheek."]
["▪","Klant is woonachtig in Nederland (niet de Nederlandse Antillen) en heeft de nationaliteit van een EU-land of een (permanente) Nederlandse verblijfsvergunning."]
[]
[]
["ZEKERHEDEN VERHUURHYPOTHEEK"]
["▪","Hypotheek op het verhuurde/te verhuren woonhuis."]
["▪","Huurinkomsten worden niet direct bij het verstrekken van de hypotheek verpand. Verpanding wordt pas geregeld als de hypotheekgever in gebreke blijft. "]
[]
[]
["BEWIJSDOCUMENTEN VERHUURHYPOTHEEK"]
["▪","Taxatierapport met hierin: \n- De marktwaarde van het woonhuis vrij van huur en gebruik; \n- De marktwaarde van het woonhuis in verhuurde staat;\n- De te verwachte huurinkomsten per jaar;\n- Als het woonhuis nog niet is verhuurd: hoelang het duurt om het woonhuis te verhuren tegen de genoemde verwachte huurinkomsten."]
["▪","Meest recente aangifte IB."]
["▪","Bewijsstuk hypotheek eigen woning (restant hoofdsom, oorspronkelijke hoofdsom en aflossingsvorm per leningdeel)."]
["▪","Huurovereenkomst (indien al aanwezig)."]
["▪","Bewijslast in te brengen eigen middelen."]
["▪","Verklaring Verhuurhypotheek (verklaring herkomst in te brengen eigen middelen en verklaring dat er geen ander huis in bezit is wat wordt verhuurd)."]
["▪","Reguliere bewijsstukken voor inkomen."]

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["FINANCIERINGSLASTTABEL BOX 1 TOT 65 JAAR"]
["Excel kolom",2,3,4,5,6,7,8,9,10,11,12,13]
["Tabel kolom",1,2,3,4,5,6,7,8,9,10,11,12]
["vanaf €","<=1,000%","1,001-1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%",">=6,001%"]
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[21000,0.12,0.125,0.13500000000000001,0.14000000000000001,0.14500000000000002,0.15,0.16,0.16500000000000001,0.17,0.17500000000000002,0.17500000000000002,0.18]
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[22000,0.13,0.13500000000000001,0.14499999999999999,0.15,0.155,0.16500000000000001,0.17500000000000002,0.18,0.19,0.19500000000000001,0.2,0.2]
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[30000,0.16,0.17499999999999999,0.19,0.2,0.21000000000000002,0.21999999999999997,0.23499999999999999,0.245,0.26,0.27,0.28000000000000003,0.29000000000000004]
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[32000,0.17,0.185,0.19500000000000001,0.20500000000000002,0.215,0.22500000000000001,0.24,0.255,0.26500000000000001,0.28000000000000003,0.28999999999999998,0.3]
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[34000,0.17,0.185,0.19500000000000001,0.20500000000000002,0.215,0.22500000000000001,0.24,0.255,0.26500000000000001,0.28000000000000003,0.28999999999999998,0.3]
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[37000,0.17,0.185,0.19500000000000001,0.20500000000000002,0.215,0.22500000000000001,0.24,0.255,0.26500000000000001,0.28000000000000003,0.28999999999999998,0.3]
[38000,0.17,0.185,0.19500000000000001,0.20500000000000002,0.215,0.22500000000000001,0.24,0.255,0.26500000000000001,0.28000000000000003,0.28999999999999998,0.3]
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[45000,0.17500000000000002,0.185,0.2,0.21,0.21999999999999997,0.22999999999999998,0.24,0.255,0.26500000000000001,0.28000000000000003,0.28999999999999998,0.3]
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[101000,0.21499999999999997,0.22999999999999998,0.245,0.26,0.27500000000000002,0.29000000000000004,0.30499999999999999,0.32,0.33,0.34500000000000003,0.35499999999999998,0.36499999999999999]
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[104000,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29000000000000004,0.30499999999999999,0.32,0.33500000000000002,0.34500000000000003,0.35499999999999998,0.37]
[105000,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.32,0.33500000000000002,0.34500000000000003,0.36,0.37]
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[107000,0.21999999999999997,0.23499999999999999,0.25,0.26500000000000001,0.28000000000000003,0.29499999999999998,0.30499999999999999,0.32,0.33500000000000002,0.34500000000000003,0.36,0.37]
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[]
[]
["FINANCIERINGSLASTTABEL BOX 1 VANAF 65 JAAR"]
["Excel kolom",2,3,4,5,6,7,8,9,10,11,12,13]
["Tabel kolom",1,2,3,4,5,6,7,8,9,10,11,12]
["vanaf €","<=1,000%","1,001-1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%",">=6,001%"]
["-",0.155,0.16,0.16500000000000001,0.16500000000000001,0.17,0.17,0.17500000000000002,0.17499999999999999,0.17499999999999999,0.18,0.18,0.18]
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[]
[]
["FINANCIERINGSLASTTABEL BOX 3 - VANAF 65 JAAR"]
["Excel kolom",2,3,4,5,6,7,8,9,10,11,12,13]
["Tabel kolom",1,2,3,4,5,6,7,8,9,10,11,12]
["vanaf €","<=1,000%","1,001-1,500%","1,501-2,000%","2,001-2,500%","2,501-3,000%","3,001-3,500%","3,501-4,000%","4,001-4,500%","4,501-5,000%","5,001-5,500%","5,501-6,000%",">=6,001%"]
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