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{"sheet":"Lainalaskuri","index":0,"n_rows":22,"n_cols":13,"rows_kept":22,"merged":[[1,1,1,3],[1,6,2,8],[1,11,2,12],[2,1,2,3],[6,5,6,6],[7,5,7,6],[10,2,10,5],[10,6,10,8],[10,9,10,12],[18,2,18,12]]}
[]
[null,"OPINTOLAINA-",{"$nulls":4},{"v":50000,"d":"50,000 €"},{"$nulls":4},"2011-05-10"]
[null,"LASKURI"]
[]
[null,"On suositeltavaa, että opintolainasi takaisinmaksun kuukausierät eivät olisi yli 8 % ensimmäisestä vuosipalkastasi."]
[]
[null,null,"Nykyinen kuukausierä:",null,null,{"$f":"CollegeLoans[[#Totals],[Nykyinen kuukausittainen maksu]]","v":{"v":328.58590726058833,"d":"328.59 €"}},null,null,"Suunniteltu kuukausierä:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[Lyhennyserä]]","v":{"v":328.58590726058833,"d":"328.59 €"}}]
[null,null,"Kuukausituloprosentti:",null,null,{"$f":"CollegeLoans[[#Totals],[Nykyinen kuukausittainen maksu]]/EstimatedMonthlySalary","v":{"v":0.07886061774254119,"d":"7.89%"}},null,null,"  Kuukausituloprosentti:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[Lyhennyserä]]/EstimatedMonthlySalary","v":{"v":0.07886061774254119,"d":"7.89%"}}]
[]
[]
[null,null,"YLEISET LAINAN TIEDOT",{"$nulls":3},"LAINAN TAKAISINMAKSUN TIEDOT",null,null,"MAKSUTIEDOT"]
[null,null,"Lainan nro","Lainanantaja","Lainan määrä","Vuosittainen\nkorkoprosentti","Alkamispäivä","Kesto (Vuosia)","Päättymispäivä","Nykyinen kuukausittainen maksu","Yhteensä\nKorko","Lyhennyserä","Vuosittainen\nmaksu"]
[null,null,"10998M88","Lainanantaja 1",{"v":10000,"d":"10,000.00 €"},{"v":0.05,"d":"5.00%"},"2011-04-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Alkamispäivä]]>0,CollegeLoans[[#This Row],[Kesto (Vuosia)]]>0),EDATE(CollegeLoans[[#This Row],[Alkamispäivä]],CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12),\"\")","v":"2021-04-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])=4,CollegeLoans[[#This Row],[Alkamispäivä]]<TODAY()),PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0),\"\")","v":{"v":106.06551523907524,"d":"106.07 €"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Lyhennyserä]]*(CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12))-CollegeLoans[[#This Row],[Lainan määrä]],\"\")","v":{"v":2727.8618286890287,"d":"2,727.86 €"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0))","v":{"v":106.06551523907524,"d":"106.07 €"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Lyhennyserä]]*12,\"\")","v":{"v":1272.7861828689029,"d":"1,272.79 €"}}]
[null,null,"20987N87","Lainanantaja 2",{"v":8000,"d":"8,000.00 €"},{"v":0.05,"d":"5.00%"},"2011-05-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Alkamispäivä]]>0,CollegeLoans[[#This Row],[Kesto (Vuosia)]]>0),EDATE(CollegeLoans[[#This Row],[Alkamispäivä]],CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12),\"\")","v":"2021-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])=4,CollegeLoans[[#This Row],[Alkamispäivä]]<TODAY()),PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0),\"\")","v":{"v":84.85241219126019,"d":"84.85 €"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Lyhennyserä]]*(CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12))-CollegeLoans[[#This Row],[Lainan määrä]],\"\")","v":{"v":2182.289462951223,"d":"2,182.29 €"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0))","v":{"v":84.85241219126019,"d":"84.85 €"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Lyhennyserä]]*12,\"\")","v":{"v":1018.2289462951222,"d":"1,018.23 €"}}]
[null,null,"36785LM","Lainanantaja 3",{"v":6000,"d":"6,000.00 €"},{"v":0.045,"d":"4.50%"},"2012-03-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Alkamispäivä]]>0,CollegeLoans[[#This Row],[Kesto (Vuosia)]]>0),EDATE(CollegeLoans[[#This Row],[Alkamispäivä]],CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12),\"\")","v":"2022-03-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])=4,CollegeLoans[[#This Row],[Alkamispäivä]]<TODAY()),PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0),\"\")","v":{"v":62.18304525420918,"d":"62.18 €"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Lyhennyserä]]*(CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12))-CollegeLoans[[#This Row],[Lainan määrä]],\"\")","v":{"v":1461.9654305051017,"d":"1,461.97 €"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0))","v":{"v":62.18304525420918,"d":"62.18 €"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Lyhennyserä]]*12,\"\")","v":{"v":746.1965430505102,"d":"746.20 €"}}]
[null,null,"765R43","Lainanantaja 4",{"v":4000,"d":"4,000.00 €"},{"v":0.05,"d":"5.00%"},"2012-05-01",5,{"$f":"IF(AND(CollegeLoans[[#This Row],[Alkamispäivä]]>0,CollegeLoans[[#This Row],[Kesto (Vuosia)]]>0),EDATE(CollegeLoans[[#This Row],[Alkamispäivä]],CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12),\"\")","v":"2017-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])=4,CollegeLoans[[#This Row],[Alkamispäivä]]<TODAY()),PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0),\"\")","v":{"v":75.48493457604374,"d":"75.48 €"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Lyhennyserä]]*(CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12))-CollegeLoans[[#This Row],[Lainan määrä]],\"\")","v":{"v":529.0960745626244,"d":"529.10 €"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lainan määrä]:[Kesto (Vuosia)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Vuosittainen\nkorkoprosentti]]/12,CollegeLoans[[#This Row],[Kesto (Vuosia)]]*12,-CollegeLoans[[#This Row],[Lainan määrä]],0,0))","v":{"v":75.48493457604374,"d":"75.48 €"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Lyhennyserä]]*12,\"\")","v":{"v":905.8192149125249,"d":"905.82 €"}}]
[null,null,"Summat",null,{"$f":"SUBTOTAL(109,CollegeLoans[Lainan määrä])","v":{"v":28000,"d":"28,000.00 €"}},{"$nulls":4},{"$f":"SUBTOTAL(109,CollegeLoans[Nykyinen kuukausittainen maksu])","v":{"v":328.58590726058833,"d":"328.59 €"}},{"$f":"SUBTOTAL(109,CollegeLoans[Yhteensä\nKorko])","v":{"v":6901.212796707978,"d":"6,901.21 €"}},{"$f":"SUBTOTAL(109,CollegeLoans[Lyhennyserä])","v":{"v":328.58590726058833,"d":"328.59 €"}},{"$f":"SUBTOTAL(109,CollegeLoans[Vuosittainen\nmaksu])","v":{"v":3943.03088712706,"d":"3,943.03 €"}}]
[null,null,"Keskiarvot",null,{"$f":"AVERAGE(CollegeLoans[Lainan määrä])","v":{"v":7000,"d":"7,000.00 €"}},{"$f":"AVERAGE(CollegeLoans[Vuosittainen\nkorkoprosentti])","v":{"v":0.04875,"d":"4.88%"}},{"$nulls":4},{"$f":"AVERAGE(CollegeLoans[Yhteensä\nKorko])","v":{"v":1725.3031991769944,"d":"1,725.30 €"}},null,{"$f":"AVERAGE(CollegeLoans[Vuosittainen\nmaksu])","v":{"v":985.757721781765,"d":"985.76 €"}}]
[]
[{"$nulls":10},"Koko lainan takaisinmaksu yhteensä:",null,{"$f":"CollegeLoans[[#Totals],[Lainan määrä]]+CollegeLoans[[#Totals],[Yhteensä\nKorko]]","v":{"v":34901.21279670798,"d":"34,901.21 €"}}]
[]
[{"$nulls":10},"Arvioidut kuukausitulot valmistumisen jälkeen:",null,{"$f":"(EstimatedAnnualSalary/12)","v":{"v":4166.666666666667,"d":"4,166.67 €"}}]