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{"sheet":"贷款计算器","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],[6,4,6,5],[7,4,7,5],[10,2,10,5],[10,6,10,8],[10,9,10,12],[18,2,18,12]]}
[]
[null,"高校贷款",{"$nulls":4},{"v":500000,"d":"¥500,000"},{"$nulls":4},{"v":40673,"d":"4067300.00%"}]
[null,"计算器"]
[]
[null," 建议您月学生贷款还款总额不超过第一年年薪的 8%。"]
[]
[null,null,"合并的当前月还款额为：",null,{"$f":"CollegeLoans[[#Totals],[当前月还款额]]","v":{"v":3285.8590726058837,"d":"¥3,285.86"}},{"$nulls":3},"合并的计划月还款额为：",null,null,{"$f":"CollegeLoans[[#Totals],[计划还款]]","v":{"v":3285.8590726058837,"d":"¥3,285.86"}}]
[null,null,"月收入百分比：",null,{"$f":"CollegeLoans[[#Totals],[当前月还款额]]/EstimatedMonthlySalary","v":{"v":0.07886061774254122,"d":"7.89%"}},{"$nulls":3},"  月收入百分比：",null,null,{"$f":"CollegeLoans[[#Totals],[计划还款]]/EstimatedMonthlySalary","v":{"v":0.07886061774254122,"d":"7.89%"}}]
[]
[]
[null,null,"常规贷款详细信息",{"$nulls":3},"贷款偿还数据",null,null,"还款详细信息"]
[null,null,"贷款编号","贷方","贷款金额","年利率","开始日期","期限（年）","结束日期","当前月还款额","总利息","计划还款","年度还款"]
[null,null,"10998M88","贷方 1",{"v":100000,"d":"¥100,000.00"},{"v":0.05,"d":"5.00%"},{"v":40634,"d":"4063400.00%"},10,{"$f":"IF(AND(CollegeLoans[[#This Row],[开始日期]]>0,CollegeLoans[[#This Row],[期限（年）]]>0),EDATE(CollegeLoans[[#This Row],[开始日期]],CollegeLoans[[#This Row],[期限（年）]]*12),\"\")","v":{"v":44287,"d":"4428700.00%"}},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])=4,CollegeLoans[[#This Row],[开始日期]]<TODAY()),PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0),\"\")","v":{"v":1060.6551523907524,"d":"¥1,060.66"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[计划还款]]*(CollegeLoans[[#This Row],[期限（年）]]*12))-CollegeLoans[[#This Row],[贷款金额]],\"\")","v":{"v":27278.618286890283,"d":"¥27,278.62"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])<>4,\"\",PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0))","v":{"v":1060.6551523907524,"d":"¥1,060.66"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[计划还款]]*12,\"\")","v":{"v":12727.861828689029,"d":"¥12,727.86"}}]
[null,null,"20987N87","贷方 2",{"v":80000,"d":"¥80,000.00"},{"v":0.05,"d":"5.00%"},{"v":40664,"d":"4066400.00%"},10,{"$f":"IF(AND(CollegeLoans[[#This Row],[开始日期]]>0,CollegeLoans[[#This Row],[期限（年）]]>0),EDATE(CollegeLoans[[#This Row],[开始日期]],CollegeLoans[[#This Row],[期限（年）]]*12),\"\")","v":{"v":44317,"d":"4431700.00%"}},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])=4,CollegeLoans[[#This Row],[开始日期]]<TODAY()),PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0),\"\")","v":{"v":848.5241219126019,"d":"¥848.52"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[计划还款]]*(CollegeLoans[[#This Row],[期限（年）]]*12))-CollegeLoans[[#This Row],[贷款金额]],\"\")","v":{"v":21822.89462951223,"d":"¥21,822.89"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])<>4,\"\",PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0))","v":{"v":848.5241219126019,"d":"¥848.52"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[计划还款]]*12,\"\")","v":{"v":10182.289462951223,"d":"¥10,182.29"}}]
[null,null,"36785LM","贷方 3",{"v":60000,"d":"¥60,000.00"},{"v":0.045,"d":"4.50%"},{"v":40969,"d":"4096900.00%"},10,{"$f":"IF(AND(CollegeLoans[[#This Row],[开始日期]]>0,CollegeLoans[[#This Row],[期限（年）]]>0),EDATE(CollegeLoans[[#This Row],[开始日期]],CollegeLoans[[#This Row],[期限（年）]]*12),\"\")","v":{"v":44621,"d":"4462100.00%"}},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])=4,CollegeLoans[[#This Row],[开始日期]]<TODAY()),PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0),\"\")","v":{"v":621.8304525420917,"d":"¥621.83"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[计划还款]]*(CollegeLoans[[#This Row],[期限（年）]]*12))-CollegeLoans[[#This Row],[贷款金额]],\"\")","v":{"v":14619.654305051008,"d":"¥14,619.65"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])<>4,\"\",PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0))","v":{"v":621.8304525420917,"d":"¥621.83"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[计划还款]]*12,\"\")","v":{"v":7461.965430505101,"d":"¥7,461.97"}}]
[null,null,"765R43","贷方 4",{"v":40000,"d":"¥40,000.00"},{"v":0.05,"d":"5.00%"},{"v":41030,"d":"4103000.00%"},5,{"$f":"IF(AND(CollegeLoans[[#This Row],[开始日期]]>0,CollegeLoans[[#This Row],[期限（年）]]>0),EDATE(CollegeLoans[[#This Row],[开始日期]],CollegeLoans[[#This Row],[期限（年）]]*12),\"\")","v":{"v":42856,"d":"4285600.00%"}},{"$f":"IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])=4,CollegeLoans[[#This Row],[开始日期]]<TODAY()),PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0),\"\")","v":{"v":754.8493457604375,"d":"¥754.85"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[计划还款]]*(CollegeLoans[[#This Row],[期限（年）]]*12))-CollegeLoans[[#This Row],[贷款金额]],\"\")","v":{"v":5290.960745626246,"d":"¥5,290.96"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[贷款金额]:[期限（年）]])<>4,\"\",PMT(CollegeLoans[[#This Row],[年利率]]/12,CollegeLoans[[#This Row],[期限（年）]]*12,-CollegeLoans[[#This Row],[贷款金额]],0,0))","v":{"v":754.8493457604375,"d":"¥754.85"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[计划还款]]*12,\"\")","v":{"v":9058.19214912525,"d":"¥9,058.19"}}]
[null,null,"总",null,{"$f":"SUBTOTAL(109,CollegeLoans[贷款金额])","v":{"v":280000,"d":"¥280,000.00"}},{"$nulls":4},{"$f":"SUBTOTAL(109,CollegeLoans[当前月还款额])","v":{"v":3285.8590726058837,"d":"¥3,285.86"}},{"$f":"SUBTOTAL(109,CollegeLoans[总利息])","v":{"v":69012.12796707977,"d":"¥69,012.13"}},{"$f":"SUBTOTAL(109,CollegeLoans[计划还款])","v":{"v":3285.8590726058837,"d":"¥3,285.86"}},{"$f":"SUBTOTAL(109,CollegeLoans[年度还款])","v":{"v":39430.3088712706,"d":"¥39,430.31"}}]
[null,null,"平均",null,{"$f":"AVERAGE(CollegeLoans[贷款金额])","v":{"v":70000,"d":"¥70,000.00"}},{"$f":"AVERAGE(CollegeLoans[年利率])","v":{"v":0.04875,"d":"4.88%"}},{"$nulls":4},{"$f":"AVERAGE(CollegeLoans[总利息])","v":{"v":17253.03199176994,"d":"¥17,253.03"}},null,{"$f":"AVERAGE(CollegeLoans[年度还款])","v":{"v":9857.57721781765,"d":"¥9,857.58"}}]
[]
[{"$nulls":10},"合并的贷款偿还总额：",null,{"$f":"CollegeLoans[[#Totals],[贷款金额]]+CollegeLoans[[#Totals],[总利息]]","v":{"v":349012.12796707975,"d":"¥349,012.13"}}]
[]
[{"$nulls":10},"毕业后的预计月收入：",null,{"$f":"(EstimatedAnnualSalary/12)","v":{"v":41666.666666666664,"d":"¥41,666.67"}}]