{"text_format":"3","workbook":"xlsx","n_sheets":1,"sheets":["Kalkulator kredita"],"not_rendered":{"defined_names":9},"read":"whole","date_system":"1900"}

{"sheet":"Kalkulator kredita","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,"STUDENTSKI KREDIT ",{"$nulls":4},{"v":50000,"d":"50,000 Din."},{"$nulls":4},"2011-05-10"]
[null,"KALKULATOR "]
[]
[null," Preporučuje se da ukupna mesečna otplata studentskog kredita ne premašuje 8% godišnje plate u prvoj godini."]
[]
[null,null,"Vaša kombinovana mesečna otplata trenutno iznosi:",null,null,{"$f":"Studentskikrediti[[#Totals],[Trenutna mesečna otplata]]","v":{"v":328.58590726058833,"d":"328.59 Din."}},null,null,"Vaša kombinovana planirana mesečna otplata iznosi:",{"$nulls":3},{"$f":"Studentskikrediti[[#Totals],[Planirana otplata]]","v":{"v":328.58590726058833,"d":"328.59 Din."}}]
[null,null,"Procenat mesečnog prihoda:",null,null,{"$f":"Studentskikrediti[[#Totals],[Trenutna mesečna otplata]]/Procenjenamesečnaplata","v":{"v":0.07886061774254119,"d":"7.89%"}},null,null,"  Procenat mesečnog prihoda:",{"$nulls":3},{"$f":"Studentskikrediti[[#Totals],[Planirana otplata]]/Procenjenamesečnaplata","v":{"v":0.07886061774254119,"d":"7.89%"}}]
[]
[]
[null,null,"OPŠTI DETALJI O KREDITU",{"$nulls":3},"PODACI O OTPLATI KREDITA",null,null,"DETALJI O OTPLATI"]
[null,null,"Broj kredita","Ime zajmodavca","Iznos kredita","Godišnja kamatna stopa","Datum početka","Trajanje (godine)","Datum završetka","Trenutna mesečna otplata","Ukupna kamata","Planirana otplata","Godišnja otplata"]
[null,null,"10998M88","Ime zajmodavca 1",{"v":10000,"d":"10,000.00 Din."},{"v":0.05,"d":"5.00%"},"2011-04-01",10,{"$f":"IF(AND(Studentskikrediti[[#Headers],[Datum početka]]>0,Studentskikrediti[[#Headers],[Trajanje (godine)]]>0),EDATE(Studentskikrediti[[#This Row],[Datum početka]],Studentskikrediti[[#This Row],[Trajanje (godine)]]*12),\"\")","v":"2021-04-01"},{"$f":"IF(AND(Početakkreditadanas,COUNT(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])=4,Studentskikrediti[[#This Row],[Datum početka]]<TODAY()),PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0),\"\")","v":{"v":106.06551523907524,"d":"106.07 Din."}},{"$f":"IFERROR((Studentskikrediti[[#This Row],[Planirana otplata]]*(Studentskikrediti[[#This Row],[Trajanje (godine)]]*12))-Studentskikrediti[[#This Row],[Iznos kredita]],\"\")","v":{"v":2727.8618286890287,"d":"2,727.86 Din."}},{"$f":"IF(COUNTA(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])<>4,\"\",PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0))","v":{"v":106.06551523907524,"d":"106.07 Din."}},{"$f":"IFERROR(Studentskikrediti[[#This Row],[Planirana otplata]]*12,\"\")","v":{"v":1272.7861828689029,"d":"1,272.79 Din."}}]
[null,null,"20987N87","Ime zajmodavca 2",{"v":8000,"d":"8,000.00 Din."},{"v":0.05,"d":"5.00%"},"2011-05-01",10,{"$f":"IF(AND(Studentskikrediti[[#Headers],[Datum početka]]>0,Studentskikrediti[[#Headers],[Trajanje (godine)]]>0),EDATE(Studentskikrediti[[#This Row],[Datum početka]],Studentskikrediti[[#This Row],[Trajanje (godine)]]*12),\"\")","v":"2021-05-01"},{"$f":"IF(AND(Početakkreditadanas,COUNT(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])=4,Studentskikrediti[[#This Row],[Datum početka]]<TODAY()),PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0),\"\")","v":{"v":84.85241219126019,"d":"84.85 Din."}},{"$f":"IFERROR((Studentskikrediti[[#This Row],[Planirana otplata]]*(Studentskikrediti[[#This Row],[Trajanje (godine)]]*12))-Studentskikrediti[[#This Row],[Iznos kredita]],\"\")","v":{"v":2182.289462951223,"d":"2,182.29 Din."}},{"$f":"IF(COUNTA(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])<>4,\"\",PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0))","v":{"v":84.85241219126019,"d":"84.85 Din."}},{"$f":"IFERROR(Studentskikrediti[[#This Row],[Planirana otplata]]*12,\"\")","v":{"v":1018.2289462951222,"d":"1,018.23 Din."}}]
[null,null,"36785LM","Ime zajmodavca 3",{"v":6000,"d":"6,000.00 Din."},{"v":0.045,"d":"4.50%"},"2012-03-01",10,{"$f":"IF(AND(Studentskikrediti[[#Headers],[Datum početka]]>0,Studentskikrediti[[#Headers],[Trajanje (godine)]]>0),EDATE(Studentskikrediti[[#This Row],[Datum početka]],Studentskikrediti[[#This Row],[Trajanje (godine)]]*12),\"\")","v":"2022-03-01"},{"$f":"IF(AND(Početakkreditadanas,COUNT(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])=4,Studentskikrediti[[#This Row],[Datum početka]]<TODAY()),PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0),\"\")","v":{"v":62.18304525420918,"d":"62.18 Din."}},{"$f":"IFERROR((Studentskikrediti[[#This Row],[Planirana otplata]]*(Studentskikrediti[[#This Row],[Trajanje (godine)]]*12))-Studentskikrediti[[#This Row],[Iznos kredita]],\"\")","v":{"v":1461.9654305051017,"d":"1,461.97 Din."}},{"$f":"IF(COUNTA(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])<>4,\"\",PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0))","v":{"v":62.18304525420918,"d":"62.18 Din."}},{"$f":"IFERROR(Studentskikrediti[[#This Row],[Planirana otplata]]*12,\"\")","v":{"v":746.1965430505102,"d":"746.20 Din."}}]
[null,null,"765R43","Ime zajmodavca 4",{"v":4000,"d":"4,000.00 Din."},{"v":0.05,"d":"5.00%"},"2012-05-01",5,{"$f":"IF(AND(Studentskikrediti[[#Headers],[Datum početka]]>0,Studentskikrediti[[#Headers],[Trajanje (godine)]]>0),EDATE(Studentskikrediti[[#This Row],[Datum početka]],Studentskikrediti[[#This Row],[Trajanje (godine)]]*12),\"\")","v":"2017-05-01"},{"$f":"IF(AND(Početakkreditadanas,COUNT(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])=4,Studentskikrediti[[#This Row],[Datum početka]]<TODAY()),PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0),\"\")","v":{"v":75.48493457604374,"d":"75.48 Din."}},{"$f":"IFERROR((Studentskikrediti[[#This Row],[Planirana otplata]]*(Studentskikrediti[[#This Row],[Trajanje (godine)]]*12))-Studentskikrediti[[#This Row],[Iznos kredita]],\"\")","v":{"v":529.0960745626244,"d":"529.10 Din."}},{"$f":"IF(COUNTA(Studentskikrediti[[#This Row],[Iznos kredita]]:Studentskikrediti[[#This Row],[Trajanje (godine)]])<>4,\"\",PMT(Studentskikrediti[[#This Row],[Godišnja kamatna stopa]]/12,Studentskikrediti[[#This Row],[Trajanje (godine)]]*12,-Studentskikrediti[[#This Row],[Iznos kredita]],0,0))","v":{"v":75.48493457604374,"d":"75.48 Din."}},{"$f":"IFERROR(Studentskikrediti[[#This Row],[Planirana otplata]]*12,\"\")","v":{"v":905.8192149125249,"d":"905.82 Din."}}]
[null,null,"Ukupne vrednosti",null,{"$f":"SUBTOTAL(109,Studentskikrediti[Iznos kredita])","v":{"v":28000,"d":"28,000.00 Din."}},{"$nulls":4},{"$f":"SUBTOTAL(109,Studentskikrediti[Trenutna mesečna otplata])","v":{"v":328.58590726058833,"d":"328.59 Din."}},{"$f":"SUBTOTAL(109,Studentskikrediti[Ukupna kamata])","v":{"v":6901.212796707978,"d":"6,901.21 Din."}},{"$f":"SUBTOTAL(109,Studentskikrediti[Planirana otplata])","v":{"v":328.58590726058833,"d":"328.59 Din."}},{"$f":"SUBTOTAL(109,Studentskikrediti[Godišnja otplata])","v":{"v":3943.03088712706,"d":"3,943.03 Din."}}]
[null,null,"Prosečne vrednosti",null,{"$f":"AVERAGE(Studentskikrediti[Iznos kredita])","v":{"v":7000,"d":"7,000.00 Din."}},{"$f":"AVERAGE(Studentskikrediti[Godišnja kamatna stopa])","v":{"v":0.04875,"d":"4.88%"}},{"$nulls":4},{"$f":"AVERAGE(Studentskikrediti[Ukupna kamata])","v":{"v":1725.3031991769944,"d":"1,725.30 Din."}},null,{"$f":"AVERAGE(Studentskikrediti[Godišnja otplata])","v":{"v":985.757721781765,"d":"985.76 Din."}}]
[]
[{"$nulls":10},"Ukupna konsolidovana otplata kredita:",null,{"$f":"Studentskikrediti[[#Totals],[Iznos kredita]]+Studentskikrediti[[#Totals],[Ukupna kamata]]","v":{"v":34901.21279670798,"d":"34,901.21 Din."}}]
[]
[{"$nulls":10},"Procenjeni mesečni prihod nakon diplomiranja:",null,{"$f":"(Procenjenagodišnjaplata/12)","v":{"v":4166.666666666667,"d":"4,166.67 Din."}}]