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[null,null,"MORTGAGE\nREFINANCING"]
[]
[]
[null,null,"PERSONAL"]
[null,null,"MARGINAL TAX RATE",null,{"v":0.06,"d":"6.00%"}]
[null,null,"RESALE PLAN (MONTHS)",null,60]
[]
[null,null,"MORTGAGE TERMS"]
[null,null,"ORIGINAL MORTGAGE AMOUNT",null,{"v":150000,"d":"$150,000.00"}]
[null,null,"CURRENT MORTGAGE RATE",null,{"v":0.04,"d":"4.00%"}]
[null,null,"ORIGINAL TERM (YEARS)",null,30]
[null,null,"MONTHS PAID",null,180]
[null,null,"NEW MORTGAGE RATE",null,{"v":0.03,"d":"3.00%"}]
[null,null,"NEW TERM (YEARS)",null,15]
[null,null,"POINTS",null,0]
[]
[null,null,"REFINANCING FEES"]
[null,null,"APPLICATION",null,{"v":200,"d":"$200.00"}]
[null,null,"TITLE",null,{"v":2000,"d":"$2,000.00"}]
[null,null,"LEGAL",null,{"v":200,"d":"$200.00"}]
[null,null,"OTHER",null,{"v":100,"d":"$100.00"}]
[null,null,"POINTS",null,{"$f":"IFERROR(IF(SUM(E26),ROUND(E15/100*E26,0),\"\"),\"\")","v":0}]
[null,null,"TOTAL FEES",null,{"$f":"IFERROR(IF(SUM(E18:E22),SUM(E18:E22),\"\"),\"\")","v":{"v":2500,"d":"$2,500.00"}}]
[]
[null,null,"ANALYSIS","CURRENT","PROPOSED"]
[null,null,"MORTGAGE AMOUNT",{"$f":"IFERROR(IF(E11,PV(E10/12,E11*12-E12,-D27),\"\"),\"\")","v":{"v":96814.19939474385,"d":"$96,814.20"}},{"$f":"IFERROR(D26,\"\")","v":{"v":96814.19939474385,"d":"$96,814.20"}}]
[null,null,"MORTGAGE PAYMENT",{"$f":"IFERROR(IF(E10,PMT(E10/12,E11*12,-E9),\"\"),\"\")","v":{"v":716.1229431981893,"d":"$716.12"}},{"$f":"IFERROR(IF(E13,PMT(E13/12,E14*12,-E26),\"\"),\"\")","v":{"v":668.5810862022261,"d":"$668.58"}}]
[null,null,"MONTHS TO RECOVER REFINANCING COSTS",null,{"$f":"IFERROR(IF(SUM(D27)-SUM(E27),E23/(D27-E27),\"\"),\"\")","v":{"v":52.585240837611224,"d":"52.6"}}]
[null,null,"MORTGAGE BALANCE AT RESALE",{"$f":"IFERROR(IF(E11,PV(E10/12,E11*12-E6-E12,-D27),\"\"),\"\")","v":{"v":70731.58831903334,"d":"$70,731.59"}},{"$f":"IFERROR(IF(E13,PV(E13/12,E14*12-E6,-E27),\"\"),\"\")","v":{"v":69239.4293654786,"d":"$69,239.43"}}]
[null,null,"PRINCIPAL REPAID TO RESALE",{"$f":"IFERROR(IF(SUM(D29),D26-D29,\"\"),\"\")","v":{"v":26082.611075710505,"d":"$26,082.61"}},{"$f":"IFERROR(IF(SUM(E29),E26-E29,\"\"),\"\")","v":{"v":27574.770029265244,"d":"$27,574.77"}}]
[null,null,"TOTAL PAYMENTS TO RESALE",{"$f":"IFERROR(IF(SUM(D29),D27*E6,\"\"),\"\")","v":{"v":42967.376591891356,"d":"$42,967.38"}},{"$f":"IFERROR(IF(SUM(E29),E27*E6,\"\"),\"\")","v":{"v":40114.86517213356,"d":"$40,114.87"}}]
[null,null,"TOTAL INTEREST TO RESALE",{"$f":"IFERROR(IF(SUM(D29),D31-D30,\"\"),\"\")","v":{"v":16884.76551618085,"d":"$16,884.77"}},{"$f":"IFERROR(IF(SUM(E29),E31-E30,\"\"),\"\")","v":{"v":12540.095142868318,"d":"$12,540.10"}}]
[null,null,"TAX DEDUCTION ON INTEREST",{"$f":"IFERROR(IF(SUM(D29),D32*E5,\"\"),\"\")","v":{"v":1013.085930970851,"d":"$1,013.09"}},{"$f":"IFERROR(IF(SUM(E29),E32*E5,\"\"),\"\")","v":{"v":752.4057085720991,"d":"$752.41"}}]
[null,null,"NET INTEREST COST TO RESALE",{"$f":"IFERROR(IF(SUM(D29),D32-D33,\"\"),\"\")","v":{"v":15871.67958521,"d":"$15,871.68"}},{"$f":"IFERROR(IF(SUM(E29),E32-E33,\"\"),\"\")","v":{"v":11787.689434296219,"d":"$11,787.69"}}]
[null,null,"INTEREST SAVINGS (COSTS)",null,{"$f":"IFERROR(IF(SUM(D34),D34-E34,\"\"),\"\")","v":{"v":4083.9901509137817,"d":"$4,083.99"}}]
[null,null,"TOTAL SAVINGS (COSTS)",null,{"$f":"IFERROR(IF(SUM(D29),E35-E23,\"\"),\"\")","v":{"v":1583.9901509137817,"d":"$1,583.99"}}]