{"text_format":"3","workbook":"xlsx","n_sheets":3,"sheets":["Porovnanie platieb","Rozpis platieb","Údaje úverovej kalkulačky"],"not_rendered":{"charts":1,"defined_names":64},"read":"whole","date_system":"1900"}

{"sheet":"Porovnanie platieb","index":0,"n_rows":10,"n_cols":5,"rows_kept":10}
[null,"POROVNANIE PLATIEB"]
[null,"VÝŠKA PÔŽIČKY"]
[null,{"v":150000,"d":"150,000.00 EUR"},"1. SCENÁR","2. SCENÁR","3. SCENÁR"]
[null,"OBDOBIE PÔŽIČKY V ROKOCH",20,30,20]
[null,"FREKVENCIA PLATIEB","Mesačne","Každý druhý mesiac","Mesačne"]
[null,"ROČNÁ ÚROKOVÁ SADZBA",{"v":0.05,"d":"5.00%"},{"v":0.05,"d":"5.00%"},{"v":0.04,"d":"4.00%"}]
[null,"PLÁNOVANÁ PLATBA",{"$f":"IFERROR(-PMT(S1Úrok/VLOOKUP(S1FrekvenciaPlatieb,LoanLookup[],5,FALSE),S1LoanPeriod*VLOOKUP(S1FrekvenciaPlatieb,LoanLookup[],5,FALSE),VýškaPôžičky),\"\")","v":{"v":989.9336088249861,"d":"989.93 EUR"}},{"$f":"IFERROR(-PMT(S2Úrok/VLOOKUP(S2FrekvenciaPlatieb,LoanLookup[],5,FALSE),S2LoanPeriod*VLOOKUP(S2FrekvenciaPlatieb,LoanLookup[],5,FALSE),VýškaPôžičky),\"\")","v":{"v":402.4357805220211,"d":"402.44 EUR"}},{"$f":"IFERROR(-PMT(S3Úrok/VLOOKUP(S3FrekvenciaPlatieb,LoanLookup[],5,FALSE),S3LoanPeriod*VLOOKUP(S3FrekvenciaPlatieb,LoanLookup[],5,FALSE),VýškaPôžičky),\"\")","v":{"v":908.9704939491281,"d":"908.97 EUR"}}]
[null,"CELKOVÉ PLATBY",{"$f":"IFERROR(S1LoanPeriod*VLOOKUP(S1FrekvenciaPlatieb,LoanLookup[],5,FALSE),\"\")","v":240},{"$f":"IFERROR(S2LoanPeriod*VLOOKUP(S2FrekvenciaPlatieb,LoanLookup[],5,FALSE),\"\")","v":720},{"$f":"IFERROR(S3LoanPeriod*VLOOKUP(S3FrekvenciaPlatieb,LoanLookup[],5,FALSE),\"\")","v":240}]
[null,"CELKOVÝ ÚROK",{"$f":"IFERROR((S1PlánovanáPlatba*S1CelkovéPlatby)-VýškaPôžičky,\"\")","v":{"v":87584.06611799667,"d":"87,584.07 EUR"}},{"$f":"IFERROR((S2PlánovanáPlatba*S2CelkovéPlatby)-VýškaPôžičky,\"\")","v":{"v":139753.76197585522,"d":"139,753.76 EUR"}},{"$f":"IFERROR((S3PlánovanáPlatba*S3CelkovéPlatby)-VýškaPôžičky,\"\")","v":{"v":68152.91854779076,"d":"68,152.92 EUR"}}]
[null,"Náklady na pôžičku",{"$f":"IFERROR(VýškaPôžičky+S1CelkovýÚrok,\"\")","v":{"v":237584.06611799667,"d":"237,584.07 EUR"}},{"$f":"IFERROR(VýškaPôžičky+S2CelkovýÚrok,\"\")","v":{"v":289753.7619758552,"d":"289,753.76 EUR"}},{"$f":"IFERROR(VýškaPôžičky+S3CelkovýÚrok,\"\")","v":{"v":218152.91854779076,"d":"218,152.92 EUR"}}]

{"sheet":"Rozpis platieb","index":1,"n_rows":732,"n_cols":11,"rows_kept":732,"merged":[[4,2,4,3],[4,6,4,7],[5,2,5,3],[5,6,5,7],[6,2,6,3],[6,6,6,7],[7,2,7,3],[7,6,7,7],[8,2,8,3],[8,6,8,7],[9,2,9,3]]}
[null,"ROZPIS PLATIEB"]
[null,"Vyberte scenár","SCENÁR 1"]
[]
[null,null,"SCENÁR PÔŽIČKY",null," ",null,"SÚHRN PÔŽIČKY",null,"  "]
[null,null,"POČIATOČNÝ DÁTUM PÔŽIČKY",null,{"$f":"TODAY()","v":"2017-08-11"},null,"PLÁNOVANÁ PLATBA",null,{"$f":"IFERROR(IF(Values_Entered,-PMT(Interest_Rate/VLOOKUP(Interval,LoanLookup[],5,FALSE),Loan_Years*VLOOKUP(Interval,LoanLookup[],5,FALSE),Výška_Pôžičky),\"\"),\"\")","v":""}]
[null,null,"VOLITEĽNÉ MIMORIADNE PLATBY",null,{"v":0,"d":"0.00 EUR"},null,"NAPLÁNOVANÝ POČET PLATIEB",null,{"$f":"IFERROR(IF(Values_Entered,Loan_Years*VLOOKUP(Interval,LoanLookup[],5,FALSE),\"\"),\"\")","v":""}]
[null,null,"VÝŠKA PÔŽIČKY",null,{"$f":"VýškaPôžičky","v":{"v":150000,"d":"150,000.00 EUR"}},null,"SKUTOČNÝ POČET PLATIEB",null,{"$f":"IFERROR(IF(Values_Entered,Number_of_Payments,\"\"),\"\")","v":""}]
[null,null,"OBDOBIE PÔŽIČKY V ROKOCH",null,{"$f":"IFERROR(HLOOKUP(Scenár,PorovnaniePlatieb,2,FALSE),0)","v":0},null,"CELKOVÝ POČET PREDBEŽNÝCH PLATIEB",null,{"$f":"IFERROR(IF(Values_Entered,SUMIF(Beg_Bal,\">0\",Extra_Pay),\"\"),\"\")","v":""}]
[null,null,"FREKVENCIA PLATIEB",null,{"$f":"IFERROR(HLOOKUP(Scenár,PorovnaniePlatieb,3,FALSE),0)","v":0},null,"CELKOVÝ ÚROK",null,{"$f":"IFERROR(IF(Values_Entered,SUMIF(Beg_Bal,\">0\",Int),\"\"),\"\")","v":""}]
[null,null,"ROČNÝ ÚROK",null,{"$f":"IFERROR(HLOOKUP(Scenár,PorovnaniePlatieb,4,FALSE),0)","v":{"v":0,"d":"0.00%"}},null,"NÁKLADY NA PÔŽIČKU",null,{"$f":"IFERROR(IF(Values_Entered,Scheduled_Monthly_Payment*Number_of_Payments,\"\"),\"\")","v":""}]
[]
[null,"ČÍSLO PLATBY","DÁTUM PLATBY","POČIATOČNÝ ZOSTATOK","PLÁNOVANÁ PLATBA","MIMORIADNA PLATBA","CELKOVÉ PLATBY","ISTINA","ÚROK","KONEČNÝ ZOSTATOK","KUMULATÍVNY ÚROK"]
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[null,{"$f":"IF(AND(Values_Entered,scheduled_no_payments<>1),B729+1,\"\")","v":""},{"$f":"IF(Pay_Num<>\"\",DATE(YEAR(C729)+VLOOKUP(Interval,LoanLookup[],4,FALSE),MONTH(C729)+VLOOKUP(Interval,LoanLookup[],2,FALSE),DAY(C729)+VLOOKUP(Interval,LoanLookup[],3,FALSE)),\"\")","v":""},"","",{"$f":"IF(scheduled_no_payments=1,\"\",IF(Sched_Pay+Scheduled_Extra_Payments<Beg_Bal,Scheduled_Extra_Payments,IF(AND(Pay_Num<>\"\",Beg_Bal-Sched_Pay>0),Beg_Bal-Sched_Pay,IF(Pay_Num<>\"\",0,\"\"))))","v":{"$error":"#VALUE!"}},{"$f":"IF(scheduled_no_payments=1,\"\",IF(Sched_Pay+Extra_Pay<Beg_Bal,Sched_Pay+Extra_Pay,IF(Pay_Num<>\"\",Beg_Bal,\"\")))","v":{"$error":"#VALUE!"}},"",{"$f":"IF(Pay_Num<>\"\",Beg_Bal*(Interest_Rate/VLOOKUP(Interval,LoanLookup[],5,FALSE)),\"\")","v":""},{"$f":"IF(scheduled_no_payments=1,\"\",IF(AND(Pay_Num<>\"\",Sched_Pay+Extra_Pay<Beg_Bal),Beg_Bal-Princ,IF(Pay_Num<>\"\",0,\"\")))","v":{"$error":"#VALUE!"}},{"$f":"IF(scheduled_no_payments=1,\"\",SUM($I$13:$I730))","v":0}]
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[null,{"$f":"IF(AND(Values_Entered,scheduled_no_payments<>1),B731+1,\"\")","v":""},{"$f":"IF(Pay_Num<>\"\",DATE(YEAR(C731)+VLOOKUP(Interval,LoanLookup[],4,FALSE),MONTH(C731)+VLOOKUP(Interval,LoanLookup[],2,FALSE),DAY(C731)+VLOOKUP(Interval,LoanLookup[],3,FALSE)),\"\")","v":""},"","",{"$f":"IF(scheduled_no_payments=1,\"\",IF(Sched_Pay+Scheduled_Extra_Payments<Beg_Bal,Scheduled_Extra_Payments,IF(AND(Pay_Num<>\"\",Beg_Bal-Sched_Pay>0),Beg_Bal-Sched_Pay,IF(Pay_Num<>\"\",0,\"\"))))","v":{"$error":"#VALUE!"}},{"$f":"IF(scheduled_no_payments=1,\"\",IF(Sched_Pay+Extra_Pay<Beg_Bal,Sched_Pay+Extra_Pay,IF(Pay_Num<>\"\",Beg_Bal,\"\")))","v":{"$error":"#VALUE!"}},"",{"$f":"IF(Pay_Num<>\"\",Beg_Bal*(Interest_Rate/VLOOKUP(Interval,LoanLookup[],5,FALSE)),\"\")","v":""},{"$f":"IF(scheduled_no_payments=1,\"\",IF(AND(Pay_Num<>\"\",Sched_Pay+Extra_Pay<Beg_Bal),Beg_Bal-Princ,IF(Pay_Num<>\"\",0,\"\")))","v":{"$error":"#VALUE!"}},{"$f":"IF(scheduled_no_payments=1,\"\",SUM($I$13:$I732))","v":0}]

{"sheet":"Údaje úverovej kalkulačky","index":2,"n_rows":8,"n_cols":6,"rows_kept":8,"merged":[[1,1,1,5]]}
[null,"ÚDAJE ÚVEROVEJ KALKULAČKY"]
[null,"Tento hárok obsahuje údaje, ktoré sa používajú vo výpočtoch pôžičky a pri vypĺňaní rozbaľovacích zoznamov. Tento hárok obsahuje údaje, ktoré sa používajú vo výpočtoch pôžičky a pri vypĺňaní rozbaľovacích zoznamov. Zmena údajov v hárku môže mať za následok nesprávny výpočet platieb pôžičky."]
[null,"VYHĽADANIE FREKVENCIE PLATIEB"]
[null,"FREKVENCIA","MESAČNÝ INTERVAL","DENNÝ INTERVAL","ROČNÝ INTERVAL","PLATBY ZA ROK"]
[null,"Každý druhý mesiac",0,15,0,24]
[null,"Mesačne",1,0,0,12]
[null,"Štvrťročne",4,0,0,4]
[null,"Ročne",0,0,1,1]