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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Калькулятор"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Кредит під заставу вкладу в Полікомбанку"]
[]
[null,null,null,null,null,null,"ячейки блакитногого кольору заповнюються Клієнтом виходячи з обраних умов кредитування"]
[null,null,null,null,null,"Умови кредитування, обрані споживачем:"]
[null,null,null,null,null,"Дата видачі кредиту: ",null,null,null,null,null,null,{"$f":"TODAY()","v":"2022-12-22"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"YEAR(M12)","v":2023},{"$f":"YEAR(M7)","v":2022},{"$f":"MONTH(M12)","v":12},{"$f":"MONTH(M7)","v":12}]
[null,null,null,null,null,"Вартість предмету іпотеки, грн.:",null,null,null,null,null,null,0]
[null,null,null,null,null,"Валюта вкладу:",null,null,null,null,null,null,"гривня"]
[null,null,null,null,null,"Сума кредиту*, грн.: ",null,null,null,null,null,null,100000,"*визначається залежно від валюти та суми вкладу"]
[null,null,null,null,null,"Срок кредитування**, місяців",null,null,null,null,null,null,12,"**не більший, ніж строк вкладу"]
[null,null,null,null,null,"Кінцева дата повернення кредиту:",null,null,null,null,null,null,{"$f":"M7+((M11/12)*365)","v":"2023-12-22"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AE7-AF7","v":1},null,{"$f":"AG7-AH7","v":0}]
[null,null,null,null,null,"Порядок погашення кредиту, грн.: ",null,null,null,null,null,null,"щомісяця",{"$f":"CEILING((ROUND(IF(M13=\"щомісяця\",H128,H127),1)),1)","v":8334},"останній платіж",null,{"$f":"M10-(N13*(M11-1))","v":8326}]
[null,null,null,null,null,"Дата погашення кредиту та процентів: ",null,null,null,null,null,null,"щомісяця",{"$f":"DAY(M7)","v":22},"числа",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"12+AG12","v":12}]
[null,null,null,null,null,"Процентна ставка (фіксована)***, % річних: ",null,null,null,null,null,null,{"$f":"IF(M9=\"гривня\",M25,IF(M9=\"долар США\",M26,IF(M9=\"євро\",M27)))","v":0.155},"***визначається залежно від умов вкладу: валюти, процентної ставки, строку\nпроцентна ставка вказана для кредитів в заставу якого береться вклад розміщений з щомісячною виплатою відсотків",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"24+AG12","v":24}]
[null,null,null,null,null,"Разова комісія за проведення розрахунків****:",null,null,null,null,null,null,0,"****для овердрафту – 2% річних, для кредитної лінії – 1,5% річних (від ліміту кредитування)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AE12=0,AG12,IF(AE12=1,AG14,IF(AE12=2,AG15,#REF!)))","v":12}]
[null,null,null,null,null,"Щомісячна комісія за проведення розрахунків:",null,null,null,null,null,null,0,"від суми наданого кредиту",null,null,{"$f":"M10*M17","v":0}]
[null,null,null,null,null,"щорічна комісія за проведення розрахунків:",null,null,null,null,null,null,0,"від суми наданого кредиту"]
[null,null,null,null,null,"Послуги з внесення інформації до Державного реєстру обтяжень рухомого майна",null,null,null,null,null,null,150,"грн."]
[null,null,null,null,null,"послуги оцінювача",null,null,null,null,null,null,0,"грн."]
[null,null,null,null,null,"Послуги страховика  (один раз на рік)",null,null,null,null,null,null,0]
[null,null,null,null,null,"державне мито",null,null,null,null,null,null,0,"від вартості предмету іпотеки"]
[null,null,null,null,null,"пенсійний збір",null,null,null,null,null,null,0,"від вартості предмету іпотеки"]
[]
[null,null,null,null,null,null,null,null,null,null,"процентна ставка","гривня",0.155]
[null,null,null,null,null,null,null,null,null,null,null,"долар США",0.15970000000000001]
[null,null,null,null,null,null,null,null,null,null,null,"євро",0.15970000000000001]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Дата розрахунку:",{"$f":"TEXT(M7,\"DD.MM.YYYY\")&\" р.\"","v":"DD.MM.YYYY р."}]
[null,null,null,null,null,"ТАБЛИЦЯ\nобчислення загальної вартості кредиту для споживача та реальної річної процентної ставки за договором про споживчий кредит"]
[]
[null,null,null,null,null," № з/п","Дата видачі кредиту/ дата платежу","Кількість днів у розрахун- ковому періоді",null,null,"Чиста сума кредиту/ сума платежу за розрахунковий період, грн.","Види платежів за кредитом",null,null,null,null,null,null,null,null,null,null,null,"Реальна річна процентна ставка, %","Загальна вартість кредиту, грн"]
[null,null,null,null,null,null,null,null,null,null,null,"сума кредиту за договором","проценти за користування кредитом","платежі за додаткові та супутні послуги"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"банку",null,null,null,"кредитного посередника (за наявності)",null,"третіх осіб"]
["фільтр",null,null,null,null,null,null,null,null,null,null,null,null,"щомісячна комісія за проведення розрахунків","розрахунково-касове обслуговування","комісія за видачу готівкових коштів","інші послуги банку","комісійний збір","інша плата за послуги кредитного посередника","послуги нотаріуса","послуги оцінювача","послуги страховика","інші послуги \nтретіх осіб"]
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[0,56,null,null,null,57,"2027-08-22",0,9,22,0,{"$f":"IF(B94<$M$11,$N$13,-$L$37-SUM($L$39:L93))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L93))*(($M$15/(IF(ROUND(YEAR(G93)/4,0)-YEAR(G93)/4=0,366,365)))*I94)+($M$10-SUM($L$39:L93))*(($M$15/(IF(ROUND(YEAR(G94)/4,0)-YEAR(G94)/4=0,366,365)))*J94),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,57,null,null,null,58,"2027-09-22",0,9,22,0,{"$f":"IF(B95<$M$11,$N$13,-$L$37-SUM($L$39:L94))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L94))*(($M$15/(IF(ROUND(YEAR(G94)/4,0)-YEAR(G94)/4=0,366,365)))*I95)+($M$10-SUM($L$39:L94))*(($M$15/(IF(ROUND(YEAR(G95)/4,0)-YEAR(G95)/4=0,366,365)))*J95),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,58,null,null,null,59,"2027-10-22",0,8,22,0,{"$f":"IF(B96<$M$11,$N$13,-$L$37-SUM($L$39:L95))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L95))*(($M$15/(IF(ROUND(YEAR(G95)/4,0)-YEAR(G95)/4=0,366,365)))*I96)+($M$10-SUM($L$39:L95))*(($M$15/(IF(ROUND(YEAR(G96)/4,0)-YEAR(G96)/4=0,366,365)))*J96),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
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[0,61,null,null,null,62,"2028-01-22",0,9,22,0,{"$f":"IF(B99<$M$11,$N$13,-$L$37-SUM($L$39:L98))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L98))*(($M$15/(IF(ROUND(YEAR(G98)/4,0)-YEAR(G98)/4=0,366,365)))*I99)+($M$10-SUM($L$39:L98))*(($M$15/(IF(ROUND(YEAR(G99)/4,0)-YEAR(G99)/4=0,366,365)))*J99),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,62,null,null,null,63,"2028-02-22",0,9,22,0,{"$f":"IF(B100<$M$11,$N$13,-$L$37-SUM($L$39:L99))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L99))*(($M$15/(IF(ROUND(YEAR(G99)/4,0)-YEAR(G99)/4=0,366,365)))*I100)+($M$10-SUM($L$39:L99))*(($M$15/(IF(ROUND(YEAR(G100)/4,0)-YEAR(G100)/4=0,366,365)))*J100),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,63,null,null,null,64,"2028-03-22",0,7,22,0,{"$f":"IF(B101<$M$11,$N$13,-$L$37-SUM($L$39:L100))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L100))*(($M$15/(IF(ROUND(YEAR(G100)/4,0)-YEAR(G100)/4=0,366,365)))*I101)+($M$10-SUM($L$39:L100))*(($M$15/(IF(ROUND(YEAR(G101)/4,0)-YEAR(G101)/4=0,366,365)))*J101),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,64,null,null,null,65,"2028-04-22",0,9,22,0,{"$f":"IF(B102<$M$11,$N$13,-$L$37-SUM($L$39:L101))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L101))*(($M$15/(IF(ROUND(YEAR(G101)/4,0)-YEAR(G101)/4=0,366,365)))*I102)+($M$10-SUM($L$39:L101))*(($M$15/(IF(ROUND(YEAR(G102)/4,0)-YEAR(G102)/4=0,366,365)))*J102),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[{"$f":"IF(B103<=$M$11,1,0)","v":0},65,null,null,null,66,"2028-05-22",0,8,22,0,{"$f":"IF(B103<$M$11,$N$13,-$L$37-SUM($L$39:L102))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L102))*(($M$15/(IF(ROUND(YEAR(G102)/4,0)-YEAR(G102)/4=0,366,365)))*I103)+($M$10-SUM($L$39:L102))*(($M$15/(IF(ROUND(YEAR(G103)/4,0)-YEAR(G103)/4=0,366,365)))*J103),2)","v":0},{"$f":"IF(A103=1,IF(AND(YEAR($M$12)=YEAR(EDATE(G102,1)),MONTH($M$12)=MONTH(EDATE(G102,1))),$Q$17-$Q$42,$Q$17),0)","v":0},null,null,null,null,null,null,null,null,null,"х","х"]
[0,{"$f":"B103+1","v":66},null,null,null,67,"2028-06-22",{"$f":"IF(A104=1,G104-G103,0)","v":0},9,22,0,{"$f":"IF(B104<$M$11,$N$13,-$L$37-SUM($L$39:L103))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L103))*(($M$15/(IF(ROUND(YEAR(G103)/4,0)-YEAR(G103)/4=0,366,365)))*I104)+($M$10-SUM($L$39:L103))*(($M$15/(IF(ROUND(YEAR(G104)/4,0)-YEAR(G104)/4=0,366,365)))*J104),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,67,null,null,null,68,{"$f":"IF(AND(YEAR($M$12)=YEAR(EDATE(G104,1)),MONTH($M$12)=MONTH(EDATE(G104,1))),$M$12,EDATE(G104,1))","v":"2028-07-22"},0,{"$f":"EOMONTH(G104,0)-G104","v":8},{"$f":"G105-EOMONTH(G104,0)","v":22},0,{"$f":"IF(B105<$M$11,$N$13,-$L$37-SUM($L$39:L104))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L104))*(($M$15/(IF(ROUND(YEAR(G104)/4,0)-YEAR(G104)/4=0,366,365)))*I105)+($M$10-SUM($L$39:L104))*(($M$15/(IF(ROUND(YEAR(G105)/4,0)-YEAR(G105)/4=0,366,365)))*J105),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,68,null,null,null,69,"2028-08-22",0,9,22,0,{"$f":"IF(B106<$M$11,$N$13,-$L$37-SUM($L$39:L105))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L105))*(($M$15/(IF(ROUND(YEAR(G105)/4,0)-YEAR(G105)/4=0,366,365)))*I106)+($M$10-SUM($L$39:L105))*(($M$15/(IF(ROUND(YEAR(G106)/4,0)-YEAR(G106)/4=0,366,365)))*J106),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,69,null,null,null,70,"2028-09-22",0,9,22,0,{"$f":"IF(B107<$M$11,$N$13,-$L$37-SUM($L$39:L106))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L106))*(($M$15/(IF(ROUND(YEAR(G106)/4,0)-YEAR(G106)/4=0,366,365)))*I107)+($M$10-SUM($L$39:L106))*(($M$15/(IF(ROUND(YEAR(G107)/4,0)-YEAR(G107)/4=0,366,365)))*J107),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,70,null,null,null,71,"2028-10-22",0,8,22,0,{"$f":"IF(B108<$M$11,$N$13,-$L$37-SUM($L$39:L107))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L107))*(($M$15/(IF(ROUND(YEAR(G107)/4,0)-YEAR(G107)/4=0,366,365)))*I108)+($M$10-SUM($L$39:L107))*(($M$15/(IF(ROUND(YEAR(G108)/4,0)-YEAR(G108)/4=0,366,365)))*J108),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,71,null,null,null,72,"2028-11-22",0,9,22,0,{"$f":"IF(B109<$M$11,$N$13,-$L$37-SUM($L$39:L108))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L108))*(($M$15/(IF(ROUND(YEAR(G108)/4,0)-YEAR(G108)/4=0,366,365)))*I109)+($M$10-SUM($L$39:L108))*(($M$15/(IF(ROUND(YEAR(G109)/4,0)-YEAR(G109)/4=0,366,365)))*J109),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,72,null,null,null,73,"2028-12-22",0,8,22,0,{"$f":"IF(B110<$M$11,$N$13,-$L$37-SUM($L$39:L109))","v":0},{"$f":"ROUND(($M$10-SUM($L$39:L109))*(($M$15/(IF(ROUND(YEAR(G109)/4,0)-YEAR(G109)/4=0,366,365)))*I110)+($M$10-SUM($L$39:L109))*(($M$15/(IF(ROUND(YEAR(G110)/4,0)-YEAR(G110)/4=0,366,365)))*J110),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[1,null,null,null,null,"Усього","х",{"$f":"SUM(H39:H74)","v":365},null,null,{"$f":"SUM(K39:K110)","v":108386.42000000001},{"$f":"SUM(L39:L110)","v":100000},{"$f":"SUM(M39:M110)","v":8386.42},{"$f":"SUM(N39:N110)","v":0},{"$f":"SUM(O37:O110)","v":0},{"$f":"SUM(P37:P110)","v":0},0,0,0,0,0,0,150,{"$f":"XIRR(K37:K110,G37:G110)","v":0.16989522576332092},{"$f":"SUM(L111:W111)","v":108536.42}]
[1,0,"комісія"]
[1,1.4999999999999999E-2,"комісія"]
[1,0.02,"комісія",null,null,"Загальні витрати за кредитом (проценти за користуваннґ кредитом, комісії та інші обов'язкові платежі за додаткові та супутні послуги кредитодавця,кредитного посередника (за наявності) та третії осіб, пов'язані з отриманням, обслуговуванням та поверненням кредиту), грн.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUBTOTAL(9,M111:W111)","v":8536.42}]
[1,"гривня","ставка по депозиту (щомісячна виплата %%)",null,null,"Орієнтовна загальна вартість кредиту для споживача за весь строк користування кредитом (у т.ч. тіло кредиту, відсотки, комісії та інші платежі), грн.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Y111","v":108536.42}]
[1,{"$f":"C116%+2%+0.7%","v":9.7000000000000003E-2},7,"3 міс",null,"Сума платежу за розрахунковий період, грн.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"K39","v":9650.44}]
[1,{"$f":"C117%+2%+0.7%","v":0.10200000000000001},7.5,"6 міс",null,"Орієнтовна реальна річна процентна ставка, % річних",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"X111","v":0.16989522576332092}]
[1,0.10700000000000001,8,"9 міс"]
[1,0.11200000000000002,8.5,"12 міс",null,"Застереження: наведені обчислення орієнтовної реальної річної процентної ставки та орієнтовної загальної вартості кредиту для споживача є репрезентативними та базуються на обраних споживачем умовах кредитування, викладених вище, і на припущенні, що договір про споживчий кредит залишатиметься дійсним протягом погодженого строку, а кредитодавець і споживач виконають свої обов’язки на умовах та у строки, визначені в договорі. "]
[1,0.11699999999999999,9,"18 міс",null,"Орієнтовна реальна річна процентна ставка обчислена на основі припущення, що процентна ставка та інші платежі за послуги кредитодавця залишатимуться незмінними та застосовуватимуться протягом строку дії договору про споживчий кредит. \nОрієнтовна реальна річна процентна ставка обчислена з використанням фінансової функції ЧИСТВНДОХ програмного продукту Microsoft Excel."]
[1,3,null,null,null,"Застереження: використання інших способів надання кредиту та/або зміна інших вищезазначених умов кредитування можуть мати наслідком застосування іншої орієнтовної реальної річної процентної ставки та орієнтовної загальної вартості кредиту для споживача."]
[null,6]
[null,9]
[null,12,null,null,null,"Застереження: процентна ставка по кредиту визначається залежно від умов вкладу: валюти, процентної ставки, строку. Процентна ставка по кредиту обчислена на основі припущення, що вклад котрий береться в заставу розміщений на умовах з щомісячною виплатою відсотків."]
[null,18]
[]
[null,"гривня",null,null,null,"в кінці терміну",null,0]
[null,"долар США",null,null,null,"щомісяця",null,{"$f":"M10/M11","v":8333.3333333333339}]
[null,"євро"]
[]
[null,"Базова ставка, що дадається до депозитної згідно протоколу КУАП #33 від 13.09.2021 р."]
[null,10.3,"%"]
[]
[]
[null,"долар США","ставка по депозиту"]
["3 міс",{"$f":"(C136+$B$132+1+(C136*0.1))/100","v":0.124},1]
["6 міс",{"$f":"(C137+$B$132+1+(C137*0.1))/100","v":0.12730000000000002},1.3]
["9 міс",0.1295,1.5]
["12 міс",0.13170000000000001,1.7]
["18 міс",0.13170000000000001,1.7]
[]
[null,"євро","ставка по депозиту"]
["3 міс",{"$f":"(C143+$B$132+1+(C143*0.1))/100","v":0.124},1]
["6 міс",{"$f":"(C144+$B$132+1+(C144*0.1))/100","v":0.12730000000000002},1.3]
["9 міс",0.1295,1.5]
["12 міс",0.13170000000000001,1.7]
["18 міс",0.13170000000000001,1.7]