{"text_format":"3","workbook":"xlsx","n_sheets":1,"sheets":["Lånekalkulator"],"not_rendered":{"defined_names":10},"read":"whole","date_system":"1900"}

{"sheet":"Lånekalkulator","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,"STUDIELÅN: ",{"$nulls":4},{"v":50000,"d":"kr 50,000"},{"$nulls":4},"2011-05-10"]
[null,"KALKULATOR "]
[]
[null," Den totale månedlige tilbakebetalingen på studielån bør ikke overstige 8 % av den første årslønnen din."]
[]
[null,null,"Din gjeldende totale månedlige tilbakebetaling er:",null,null,{"$f":"CollegeLoans[[#Totals],[Gjeldende \nmånedsinntekt]]","v":{"v":328.58590726058833,"d":"kr 328.59"}},null,null,"Din planlagte totale månedlige tilbakebetaling er:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[Planlagt tilbakebetaling]]","v":{"v":328.58590726058833,"d":"kr 328.59"}}]
[null,null,"Prosentandel av månedsinntekt:",null,null,{"$f":"CollegeLoans[[#Totals],[Gjeldende \nmånedsinntekt]]/EstimatedMonthlySalary","v":{"v":0.07886061774254119,"d":"7.89%"}},null,null,"  Prosentandel av månedsinntekt:",{"$nulls":3},{"$f":"CollegeLoans[[#Totals],[Planlagt tilbakebetaling]]/EstimatedMonthlySalary","v":{"v":0.07886061774254119,"d":"7.89%"}}]
[]
[]
[null,null,"Generelle detaljer for lån",{"$nulls":3},"Data for tilbakebetaling av lån",null,null,"Detaljer for tilbakebetaling"]
[null,null,"Lånenummer","Långiver","Lånebeløp","Årlig rentesats","Startdato","Varighet (år)","Sluttdato","Gjeldende \nmånedsinntekt","Total rente","Planlagt tilbakebetaling","Årlig innbetaling"]
[null,null,"10998M88","Långiver 1",{"v":10000,"d":"kr 10,000.00"},{"v":0.05,"d":"5.00%"},"2011-04-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Startdato]]>0,CollegeLoans[[#This Row],[Varighet (år)]]>0),EDATE(CollegeLoans[[#This Row],[Startdato]],CollegeLoans[[#This Row],[Varighet (år)]]*12),\"\")","v":"2021-04-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lånebeløp]]:CollegeLoans[[#This Row],[Varighet (år)]])=4,CollegeLoans[[#This Row],[Startdato]]<TODAY()),PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0),\"\")","v":{"v":106.06551523907524,"d":"kr 106.07"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*(CollegeLoans[[#This Row],[Varighet (år)]]*12))-CollegeLoans[[#This Row],[Lånebeløp]],\"\")","v":{"v":2727.8618286890287,"d":"kr 2,727.86"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lånebeløp]:[Varighet (år)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0))","v":{"v":106.06551523907524,"d":"kr 106.07"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*12,\"\")","v":{"v":1272.7861828689029,"d":"kr 1,272.79"}}]
[null,null,"20987N87","Långiver 2",{"v":8000,"d":"kr 8,000.00"},{"v":0.05,"d":"5.00%"},"2011-05-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Startdato]]>0,CollegeLoans[[#This Row],[Varighet (år)]]>0),EDATE(CollegeLoans[[#This Row],[Startdato]],CollegeLoans[[#This Row],[Varighet (år)]]*12),\"\")","v":"2021-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lånebeløp]]:CollegeLoans[[#This Row],[Varighet (år)]])=4,CollegeLoans[[#This Row],[Startdato]]<TODAY()),PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0),\"\")","v":{"v":84.85241219126019,"d":"kr 84.85"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*(CollegeLoans[[#This Row],[Varighet (år)]]*12))-CollegeLoans[[#This Row],[Lånebeløp]],\"\")","v":{"v":2182.289462951223,"d":"kr 2,182.29"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lånebeløp]:[Varighet (år)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0))","v":{"v":84.85241219126019,"d":"kr 84.85"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*12,\"\")","v":{"v":1018.2289462951222,"d":"kr 1,018.23"}}]
[null,null,"36785LM","Långiver 3",{"v":6000,"d":"kr 6,000.00"},{"v":0.045,"d":"4.50%"},"2012-03-01",10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Startdato]]>0,CollegeLoans[[#This Row],[Varighet (år)]]>0),EDATE(CollegeLoans[[#This Row],[Startdato]],CollegeLoans[[#This Row],[Varighet (år)]]*12),\"\")","v":"2022-03-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lånebeløp]]:CollegeLoans[[#This Row],[Varighet (år)]])=4,CollegeLoans[[#This Row],[Startdato]]<TODAY()),PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0),\"\")","v":{"v":62.18304525420918,"d":"kr 62.18"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*(CollegeLoans[[#This Row],[Varighet (år)]]*12))-CollegeLoans[[#This Row],[Lånebeløp]],\"\")","v":{"v":1461.9654305051017,"d":"kr 1,461.97"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lånebeløp]:[Varighet (år)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0))","v":{"v":62.18304525420918,"d":"kr 62.18"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*12,\"\")","v":{"v":746.1965430505102,"d":"kr 746.20"}}]
[null,null,"765R43","Långiver 4",{"v":4000,"d":"kr 4,000.00"},{"v":0.05,"d":"5.00%"},"2012-05-01",5,{"$f":"IF(AND(CollegeLoans[[#This Row],[Startdato]]>0,CollegeLoans[[#This Row],[Varighet (år)]]>0),EDATE(CollegeLoans[[#This Row],[Startdato]],CollegeLoans[[#This Row],[Varighet (år)]]*12),\"\")","v":"2017-05-01"},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Lånebeløp]]:CollegeLoans[[#This Row],[Varighet (år)]])=4,CollegeLoans[[#This Row],[Startdato]]<TODAY()),PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0),\"\")","v":{"v":75.48493457604374,"d":"kr 75.48"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*(CollegeLoans[[#This Row],[Varighet (år)]]*12))-CollegeLoans[[#This Row],[Lånebeløp]],\"\")","v":{"v":529.0960745626244,"d":"kr 529.10"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Lånebeløp]:[Varighet (år)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Årlig rentesats]]/12,CollegeLoans[[#This Row],[Varighet (år)]]*12,-CollegeLoans[[#This Row],[Lånebeløp]],0,0))","v":{"v":75.48493457604374,"d":"kr 75.48"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Planlagt tilbakebetaling]]*12,\"\")","v":{"v":905.8192149125249,"d":"kr 905.82"}}]
[null,null,"Totaler",null,{"$f":"SUBTOTAL(109,CollegeLoans[Lånebeløp])","v":{"v":28000,"d":"kr 28,000.00"}},{"$nulls":4},{"$f":"SUBTOTAL(109,CollegeLoans[Gjeldende \nmånedsinntekt])","v":{"v":328.58590726058833,"d":"kr 328.59"}},{"$f":"SUBTOTAL(109,CollegeLoans[Total rente])","v":{"v":6901.212796707978,"d":"kr 6,901.21"}},{"$f":"SUBTOTAL(109,CollegeLoans[Planlagt tilbakebetaling])","v":{"v":328.58590726058833,"d":"kr 328.59"}},{"$f":"SUBTOTAL(109,CollegeLoans[Årlig innbetaling])","v":{"v":3943.03088712706,"d":"kr 3,943.03"}}]
[null,null,"Gjennomsnitt",null,{"$f":"AVERAGE(CollegeLoans[Lånebeløp])","v":{"v":7000,"d":"kr 7,000.00"}},{"$f":"AVERAGE(CollegeLoans[Årlig rentesats])","v":{"v":0.04875,"d":"4.88%"}},{"$nulls":4},{"$f":"AVERAGE(CollegeLoans[Total rente])","v":{"v":1725.3031991769944,"d":"kr 1,725.30"}},null,{"$f":"AVERAGE(CollegeLoans[Årlig innbetaling])","v":{"v":985.757721781765,"d":"kr 985.76"}}]
[]
[{"$nulls":10},"Totalt tilbakebetalt på samlede lån:",null,{"$f":"CollegeLoans[[#Totals],[Lånebeløp]]+CollegeLoans[[#Totals],[Total rente]]","v":{"v":34901.21279670798,"d":"kr 34,901.21"}}]
[]
[{"$nulls":10},"Beregnet månedslønn etter avgangseksamen",null,{"$f":"(EstimatedAnnualSalary/12)","v":{"v":4166.666666666667,"d":"kr 4,166.67"}}]