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{"sheet":"대출 계산기","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,"학자금 대출 ",{"$nulls":4},{"v":50000000,"d":"₩50,000,000"},{"$nulls":4},"2011-05-10"]
[null,"계산기 "]
[]
[null,"학자금 대출 상환에 드는 월간 총액이 초해 연봉의 8%를 초과하지 않는 것이 좋습니다."]
[]
[null,null,"현재 월간 상환금 합산액:",null,null,{"$f":"CollegeLoans[[#Totals],[현재 월간 상환금]]","v":{"v":328585.9072605883,"d":"₩328,586"}},null,null,"예정 월간 상환금 합산액:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[이자]]","v":{"v":328585.9072605883,"d":"₩328,586"}}]
[null,null,"월 수입 중 차지 비율:",null,null,{"$f":"CollegeLoans[[#Totals],[현재 월간 상환금]]/EstimatedMonthlySalary","v":{"v":0.0788606177425412,"d":"7.89%"}},null,null,"  월 수입 중 차지 비율:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[이자]]/EstimatedMonthlySalary","v":{"v":0.0788606177425412,"d":"7.89%"}}]
[]
[]
[null,null,"일반 대출 세부 정보",{"$nulls":3},"대출 상환 데이터",null,null,"상환 세부 정보"]
[null,null,"대출 번호","대출 기관","대출 금액","연이율","시작 날짜","기간(년)","종료 날짜","현재 월간 상환금","총 이자","이자","연간 상환금"]
[null,null,"10998M88","대출 기관 1",{"v":10000000,"d":"₩10,000,000"},{"v":0.05,"d":"5.00%"},"2011-04-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[시작 날짜]]>0,CollegeLoans[[#This Row],[기간(년)]]>0),EDATE(CollegeLoans[[#This Row],[시작 날짜]],CollegeLoans[[#This Row],[기간(년)]]*12),\"\")","v":"2021-04-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])=4,CollegeLoans[[#This Row],[시작 날짜]]<TODAY()),PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0),\"\")","v":{"v":106065.51523907523,"d":"₩106,066"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[이자]]*(CollegeLoans[[#This Row],[기간(년)]]*12))-CollegeLoans[[#This Row],[대출 금액]],\"\")","v":{"v":2727861.8286890276,"d":"₩2,727,862"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0))","v":{"v":106065.51523907523,"d":"₩106,066"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[이자]]*12,\"\")","v":{"v":1272786.1828689028,"d":"₩1,272,786"}}]
[null,null,"20987N87","대출 기관 2",{"v":8000000,"d":"₩8,000,000"},{"v":0.05,"d":"5.00%"},"2011-05-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[시작 날짜]]>0,CollegeLoans[[#This Row],[기간(년)]]>0),EDATE(CollegeLoans[[#This Row],[시작 날짜]],CollegeLoans[[#This Row],[기간(년)]]*12),\"\")","v":"2021-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])=4,CollegeLoans[[#This Row],[시작 날짜]]<TODAY()),PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0),\"\")","v":{"v":84852.41219126018,"d":"₩84,852"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[이자]]*(CollegeLoans[[#This Row],[기간(년)]]*12))-CollegeLoans[[#This Row],[대출 금액]],\"\")","v":{"v":2182289.4629512224,"d":"₩2,182,289"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0))","v":{"v":84852.41219126018,"d":"₩84,852"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[이자]]*12,\"\")","v":{"v":1018228.9462951222,"d":"₩1,018,229"}}]
[null,null,"36785LM","대출 기관 3",{"v":6000000,"d":"₩6,000,000"},{"v":0.045,"d":"4.50%"},"2012-03-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[시작 날짜]]>0,CollegeLoans[[#This Row],[기간(년)]]>0),EDATE(CollegeLoans[[#This Row],[시작 날짜]],CollegeLoans[[#This Row],[기간(년)]]*12),\"\")","v":"2022-03-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])=4,CollegeLoans[[#This Row],[시작 날짜]]<TODAY()),PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0),\"\")","v":{"v":62183.04525420917,"d":"₩62,183"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[이자]]*(CollegeLoans[[#This Row],[기간(년)]]*12))-CollegeLoans[[#This Row],[대출 금액]],\"\")","v":{"v":1461965.4305051006,"d":"₩1,461,965"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0))","v":{"v":62183.04525420917,"d":"₩62,183"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[이자]]*12,\"\")","v":{"v":746196.5430505101,"d":"₩746,197"}}]
[null,null,"765R43","대출 기관 4",{"v":4000000,"d":"₩4,000,000"},{"v":0.05,"d":"5.00%"},"2012-05-01",5,{"$f":"IF(AND(CollegeLoans[[#This Row],[시작 날짜]]>0,CollegeLoans[[#This Row],[기간(년)]]>0),EDATE(CollegeLoans[[#This Row],[시작 날짜]],CollegeLoans[[#This Row],[기간(년)]]*12),\"\")","v":"2017-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])=4,CollegeLoans[[#This Row],[시작 날짜]]<TODAY()),PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0),\"\")","v":{"v":75484.93457604373,"d":"₩75,485"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[이자]]*(CollegeLoans[[#This Row],[기간(년)]]*12))-CollegeLoans[[#This Row],[대출 금액]],\"\")","v":{"v":529096.0745626241,"d":"₩529,096"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[대출 금액]:[기간(년)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[연이율]]/12,CollegeLoans[[#This Row],[기간(년)]]*12,-CollegeLoans[[#This Row],[대출 금액]],0,0))","v":{"v":75484.93457604373,"d":"₩75,485"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[이자]]*12,\"\")","v":{"v":905819.2149125247,"d":"₩905,819"}}]
[null,null,"요약",null,{"$f":"SUBTOTAL(109,CollegeLoans[대출 금액])","v":{"v":28000000,"d":"₩28,000,000"}},{"$nulls":4},{"$f":"SUBTOTAL(109,CollegeLoans[현재 월간 상환금])","v":{"v":328585.9072605883,"d":"₩328,586"}},{"$f":"SUBTOTAL(109,CollegeLoans[총 이자])","v":{"v":6901212.796707975,"d":"₩6,901,213"}},{"$f":"SUBTOTAL(109,CollegeLoans[이자])","v":{"v":328585.9072605883,"d":"₩328,586"}},{"$f":"SUBTOTAL(109,CollegeLoans[연간 상환금])","v":{"v":3943030.8871270595,"d":"₩3,943,031"}}]
[null,null,"평균",null,{"$f":"AVERAGE(CollegeLoans[대출 금액])","v":{"v":7000000,"d":"₩7,000,000"}},{"$f":"AVERAGE(CollegeLoans[연이율])","v":{"v":0.04875,"d":"4.88%"}},{"$nulls":4},{"$f":"AVERAGE(CollegeLoans[총 이자])","v":{"v":1725303.1991769937,"d":"₩1,725,303"}},null,{"$f":"AVERAGE(CollegeLoans[연간 상환금])","v":{"v":985757.7217817649,"d":"₩985,758"}}]
[]
[{"$nulls":10},"통합 대출 상환금 총액:",null,{"$f":"CollegeLoans[[#Totals],[대출 금액]]+CollegeLoans[[#Totals],[총 이자]]","v":{"v":34901212.79670797,"d":"₩34,901,213"}}]
[]
[{"$nulls":10},"졸업 후 예상 월 수입:",null,{"$f":"(EstimatedAnnualSalary/12)","v":{"v":4166666.6666666665,"d":"₩4,166,667"}}]