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{"sheet":"Deposit Calc","index":0,"n_rows":11,"n_cols":2,"rows_kept":11,"cut":false,"hidden":true,"merged":[]}
["PML",65600]
["15% Deposit",{"$f":"B1/0.85*0.15","v":11576.470588235296}]
["Total Contribution",{"$f":"SUM(B1:B2)","v":77176.470588235301}]
[]
["Actual Purchase Price",120000]
["Max Contribution (75%)",{"$f":"B5*0.75","v":90000}]
["Max PML",{"$f":"B6*0.85","v":76500}]
["Deposit",{"$f":"B6*0.15","v":13500}]
["Min Contribution (25%)",{"$f":"B5*0.25","v":30000}]
["Min PML",{"$f":"B9*0.85","v":25500}]
["Deposit",{"$f":"B9*0.15","v":4500}]

{"sheet":"Headline","index":1,"n_rows":50,"n_cols":14,"rows_kept":50,"cut":false,"hidden":false,"merged":[[66,24,68,24],[66,23,68,23],[57,16,63,21],[66,16,68,22],[16,1,28,1],[40,1,40,2],[41,1,41,2],[30,1,31,1],[2,1,3,5],[6,3,6,5],[2,6,3,9],[12,8,12,13],[6,6,6,9],[12,1,14,1],[10,4,10,7],[10,9,10,13],[33,1,36,1],[7,11,8,11],[6,1,10,1],[9,4,9,13],[22,11,22,12],[16,10,22,10],[7,3,7,5],[8,3,8,5],[7,6,7,9],[8,6,8,9]]}
[]
[]
[null,"Shared Ownership initial eligibility and affordability assessment",null,null,null,null,"Please complete grey boxes as appropriate"]
[]
[]
[]
[null,"APPLICANT",null,"Forename",null,null,"Surname",null,null,null,"DoB","Number of children"]
[]
[]
[null,null,null,"Address:"]
[null,null,null,"Home:",null,null,null,null,"Mobile:"]
[]
[null,"PROPERTY",null,"Proposed purchase property:"]
[null,null,null,"Full market value",null,null,null,null,0,null,"Rent on unsold equity %",null,null,2.75E-2]
[null,null,null,"Number of bedrooms",null,null,null,null,0,null,"Annual service charge £",null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"INCOME",null,"App 1 basic employment income (annual, gross):",null,null,null,null,0,null,"Additional household Income (monthly):",null,"Working tax credits",0]
[null,null,null,"Overtime, Bonuses & Commissions:",null,null,null,null,0,null,null,null,"Child tax credits",0]
[null,null,null,"Student loan MONTHLY payment ",null,null,null,null,0,null,null,null,"Child benefit",0]
[null,null,null,"Other gross salary MONTHLY deductions (childcare vouchers, pension etc.)",null,null,null,null,0,null,null,null,"Disability allowance",0]
[null,null,null,"App 2 basic employment income (annual, gross):",null,null,null,null,0,null,null,null,"Guaranteed maintenance income",0]
[null,null,null,"Overtime, Bonuses & Commissions:",null,null,null,null,0,null,null,null,"Other income",0]
[null,null,null,"Student loan MONTHLY payment ",null,null,null,null,0,null,null,"Total allowable monthly income",null,{"$f":"N17+N20+N21+N22","v":0}]
[null,null,null,"Other gross salary MONTHLY deductions (childcare vouchers, pension etc.)",null,null,null,null,0]
[null,null,null,"Gross annual household income (from employment):",null,null,null,null,{"$f":"I17+I21+((I18+I22)/2)","v":0}]
[null,null,null,"Net annual household income (from employment):",null,null,null,null,{"$f":"IF(I17-I19*12-I20*12+0.5*I18<F50,(I17-I19*12-I20*12+0.5*I18),IF(I17-I19*12-I20*12<E50,((I17-I19*12-I20*12+(0.5*I18)-F50)*(1-H50)+F50-(J50*(I17-I19*12-I20*12+(0.5*I18)-K50))),(((I17-I19*12-I20*12+(0.5*I18)-E50)*(1-I50))+((E50-F50)*(1-H50))+F50-(J50*(E50-K50))-(L50*(I17-I19*12-I20*12+(0.5*I18)-E50)))))+IF(I21-I23*12-I24*12+0.5*I22<F50,(I21-I23*12-I24*12+0.5*I22),IF(I21-I23*12-I24*12<E50,((I21-I23*12-I24*12+(0.5*I22)-F50)*(1-H50)+F50-(J50*(I21-I23*12-I24*12+(0.5*I22)-K50))),(((I21-I23*12-I24*12+(0.5*I22)-E50)*(1-I50))+((E50-F50)*(1-H50))+F50-(J50*(E50-K50))-(L50*(I21-I23*12-I24*12+(0.5*I22)-E50)))))","v":0}]
[null,null,null,"Total additional annual income (from other sources)",null,null,null,null,{"$f":"N23*12","v":0}]
[null,null,null,"TOTAL GROSS ANNUAL HOUSEHOLD INCOME (from all sources)",null,null,null,null,{"$f":"I25+I27","v":0}]
[null,null,null,"TOTAL NET ANNUAL HOUSEHOLD INCOME (from all sources)",null,null,null,null,{"$f":"I27+I26","v":0}]
[]
[null,"DEBT",null,"Total monthly loan/HP payments:",null,null,null,null,0]
[null,null,null,"Total outstanding credit card balances:",null,null,null,null,0]
[]
[null,"MORTGAGE AND DEPOSIT",null,"Net mortgageable household income (after debts):",null,null,null,null,{"$f":"I29-((I31*12)+(0.36*I32))","v":0},null,{"$f":"\"Lender deposit requirements (£\"&N34*D42&\")\"","v":"Lender deposit requirements (£0)"},null,null,0.1]
[null,null,null,"Maximum income multiple used:",null,null,null,null,4.5,null,"Applicants' deposit",null,null,0]
[null,null,null,"Maximum mortgage available (gross household income):",null,null,null,null,{"$f":"I28*I35","v":0},null,"Total maximum contribution available: ",null,null,{"$f":"I36+N35","v":0}]
[null,null,null,"Mortgage term required",null,null,null,null,25,null,"Mortgage interest rate:",null,null,4.4999999999999998E-2]
[]
[]
[]
[null,"Total share to purchase",null,"Share value","Customer Deposit","Sufficient deposit for lender?","Mortgage amount","Income multiple (gross annual household income)","Mortgage (pcm)","Monthly rent (pcm)","Service charge (pcm)","Total monthly payments (pcm)","Total monthly payments to net mortgageable household income ratio"]
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[]
[]
[]
[]
[]
[null,null,null,null,{"$f":"IF('check share levels'!E71>0,'check share levels'!E71,\"ZERO\")","v":"ZERO"}]
[null,null,null,null,"upper tax","tax free","lower tax","lower tax","upper tax","NI","NI free","Upper NI rate"]
[null,null,null,null,50270,12570,37700,0.2,0.4,0.12,12570,0.02]

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