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[]
[null,null,null,null,null,null,null,null,null,null,null,"Калькулятор"]
[null,null,null,null,null,null,null,null,null,null,null,null,"«МОЯ КРЕДИТНА КАРТКА» – на поточні потреби, кредитний ліміт (овердрафт) на «зарплатну картку»"]
[]
[null,null,null,null,"ячейки блакитногого кольору заповнюються Клієнтом виходячи з обраних умов кредитування"]
[null,null,null,"Умови кредитування, обрані споживачем:"]
[null,null,null,"Дата видачі кредиту: ",null,null,null,null,null,null,{"$f":"TODAY()","v":"2024-04-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"YEAR(K11)","v":2025},{"$f":"YEAR(K7)","v":2024},{"$f":"MONTH(K11)","v":3},{"$f":"MONTH(K7)","v":4}]
[null,null,null,"Вартість предмету іпотеки, грн.:",null,null,null,null,null,null,0]
[null,null,null,"Сума кредиту*, грн.: ",null,null,null,null,null,null,10000,"*до 2-х середньомісячних заробітних плат за останні 6 місяців"]
[null,null,null,"Кількість платежів",null,null,null,null,null,null,12]
[null,null,null,"Кінцева дата повернення кредиту:",null,null,null,null,null,null,{"$f":"K7+((K10/12)*365)-1","v":"2025-03-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AC7-AD7","v":1},null,{"$f":"AE7-AF7","v":-1}]
[null,null,null,"Порядок погашення кредиту, грн.: ",null,null,null,null,null,null,"щомісяця по",{"$f":"CEILING(K9/K10,1)*0","v":0},"останній платіж",null,{"$f":"K9-(L12*(K10-1))","v":10000}]
[null,null,null,"Дата погашення кредиту та процентів: ",null,null,null,null,null,null,"щомісяця",5,"числа",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"12+AE11","v":11}]
[null,null,null,"Процентна ставка (фіксована): ",null,null,null,null,null,null,0.24,"річних",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"24+AE11","v":23}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"36+AE11","v":35}]
[null,null,null,"Платежі за додаткові та сукупні послуги:"]
[null,null,null,"разова комісія за видачу готівкових коштів:",null,null,null,null,null,null,0,"від суми наданого кредиту",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AC11=0,AE11,IF(AC11=1,AE13,IF(AC11=2,AE14,AE15)))","v":11}]
[null,null,null,"Щомісячна комісія за проведення розрахунків:",null,null,null,null,null,null,0.01,"від суми середньоденного залишку овердрафту за місяць",null,null,{"$f":"K9*K18","v":100}]
[null,null,null,"щорічна комісія за проведення розрахунків:",null,null,null,null,null,null,0,"від суми наданого кредиту"]
[null,null,null,"послуги нотаріуса",null,null,null,null,null,null,0,"грн."]
[null,null,null,"послуги оцінювача",null,null,null,null,null,null,0,"грн."]
[null,null,null,"послуги страховика",null,null,null,null,null,null,0,"від вартості предмету іпотеки (один раз на рік)"]
[null,null,null,"державне мито",null,null,null,null,null,null,0,"від вартості предмету іпотеки"]
[null,null,null,"пенсійний збір",null,null,null,null,null,null,0,"від вартості предмету іпотеки"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Дата розрахунку:",{"$f":"TEXT(K7,\"DD.MM.YYYY\")&\" р.\"","v":"DD.MM.YYYY р."}]
[]
[]
[null,null,null,"ТАБЛИЦЯ\nобчислення загальної вартості кредиту для споживача та реальної річної процентної ставки за договором про споживчий кредит"]
[]
[null,null,null," № з/п","Дата видачі кредиту/ дата платежу",null,null,"Кількість днів у розрахун- ковому періоді","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,"сума кредиту за договором","проценти за користування кредитом","платежі за додаткові та/або супутні послуги"]
[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,"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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[0,62,null,62,"2029-04-28",3,28,0,0,{"$f":"IF(B100<$K$10,$L$12,-$J$37-SUM($J$39:J99))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J99))*(($K$14/(IF(ROUND(YEAR(E99)/4,0)-YEAR(E99)/4=0,366,365)))*F100)+($K$9-SUM($J$39:J99))*(($K$14/(IF(ROUND(YEAR(E100)/4,0)-YEAR(E100)/4=0,366,365)))*G100),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,63,null,63,"2029-05-28",2,28,0,0,{"$f":"IF(B101<$K$10,$L$12,-$J$37-SUM($J$39:J100))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J100))*(($K$14/(IF(ROUND(YEAR(E100)/4,0)-YEAR(E100)/4=0,366,365)))*F101)+($K$9-SUM($J$39:J100))*(($K$14/(IF(ROUND(YEAR(E101)/4,0)-YEAR(E101)/4=0,366,365)))*G101),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,64,null,64,"2029-06-28",3,28,0,0,{"$f":"IF(B102<$K$10,$L$12,-$J$37-SUM($J$39:J101))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J101))*(($K$14/(IF(ROUND(YEAR(E101)/4,0)-YEAR(E101)/4=0,366,365)))*F102)+($K$9-SUM($J$39:J101))*(($K$14/(IF(ROUND(YEAR(E102)/4,0)-YEAR(E102)/4=0,366,365)))*G102),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,65,null,{"$f":"D102+1","v":65},"2029-07-28",2,28,0,0,{"$f":"IF(B103<$K$10,$L$12,-$J$37-SUM($J$39:J102))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J102))*(($K$14/(IF(ROUND(YEAR(E102)/4,0)-YEAR(E102)/4=0,366,365)))*F103)+($K$9-SUM($J$39:J102))*(($K$14/(IF(ROUND(YEAR(E103)/4,0)-YEAR(E103)/4=0,366,365)))*G103),2)","v":0},{"$f":"IF(A103=1,IF(AND(YEAR($K$11)=YEAR(EDATE(E102,1)),MONTH($K$11)=MONTH(EDATE(E102,1))),$O$18-$O$42,$O$18),0)","v":0},null,null,null,null,null,null,null,null,null,"х","х"]
[0,{"$f":"B103+1","v":66},null,66,"2029-08-28",3,28,0,0,{"$f":"IF(B104<$K$10,$L$12,-$J$37-SUM($J$39:J103))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J103))*(($K$14/(IF(ROUND(YEAR(E103)/4,0)-YEAR(E103)/4=0,366,365)))*F104)+($K$9-SUM($J$39:J103))*(($K$14/(IF(ROUND(YEAR(E104)/4,0)-YEAR(E104)/4=0,366,365)))*G104),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,67,null,67,"2029-09-28",3,28,0,0,{"$f":"IF(B105<$K$10,$L$12,-$J$37-SUM($J$39:J104))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J104))*(($K$14/(IF(ROUND(YEAR(E104)/4,0)-YEAR(E104)/4=0,366,365)))*F105)+($K$9-SUM($J$39:J104))*(($K$14/(IF(ROUND(YEAR(E105)/4,0)-YEAR(E105)/4=0,366,365)))*G105),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,68,null,68,"2029-10-28",2,28,0,0,{"$f":"IF(B106<$K$10,$L$12,-$J$37-SUM($J$39:J105))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J105))*(($K$14/(IF(ROUND(YEAR(E105)/4,0)-YEAR(E105)/4=0,366,365)))*F106)+($K$9-SUM($J$39:J105))*(($K$14/(IF(ROUND(YEAR(E106)/4,0)-YEAR(E106)/4=0,366,365)))*G106),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,69,null,69,"2029-11-28",3,28,0,0,{"$f":"IF(B107<$K$10,$L$12,-$J$37-SUM($J$39:J106))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J106))*(($K$14/(IF(ROUND(YEAR(E106)/4,0)-YEAR(E106)/4=0,366,365)))*F107)+($K$9-SUM($J$39:J106))*(($K$14/(IF(ROUND(YEAR(E107)/4,0)-YEAR(E107)/4=0,366,365)))*G107),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,70,null,70,"2029-12-28",2,28,0,0,{"$f":"IF(B108<$K$10,$L$12,-$J$37-SUM($J$39:J107))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J107))*(($K$14/(IF(ROUND(YEAR(E107)/4,0)-YEAR(E107)/4=0,366,365)))*F108)+($K$9-SUM($J$39:J107))*(($K$14/(IF(ROUND(YEAR(E108)/4,0)-YEAR(E108)/4=0,366,365)))*G108),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,71,null,71,"2030-01-28",3,28,0,0,{"$f":"IF(B109<$K$10,$L$12,-$J$37-SUM($J$39:J108))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J108))*(($K$14/(IF(ROUND(YEAR(E108)/4,0)-YEAR(E108)/4=0,366,365)))*F109)+($K$9-SUM($J$39:J108))*(($K$14/(IF(ROUND(YEAR(E109)/4,0)-YEAR(E109)/4=0,366,365)))*G109),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[0,72,null,72,"2030-02-28",3,28,0,0,{"$f":"IF(B110<$K$10,$L$12,-$J$37-SUM($J$39:J109))","v":0},{"$f":"ROUND(($K$9-SUM($J$39:J109))*(($K$14/(IF(ROUND(YEAR(E109)/4,0)-YEAR(E109)/4=0,366,365)))*F110)+($K$9-SUM($J$39:J109))*(($K$14/(IF(ROUND(YEAR(E110)/4,0)-YEAR(E110)/4=0,366,365)))*G110),2)","v":0},0,null,null,null,null,null,null,null,null,null,"х","х"]
[1,null,null,"Усього","х",null,null,{"$f":"SUM(H39:H74)","v":363},{"$f":"SUM(I39:I110)","v":13491.229999999998},{"$f":"SUM(J39:J110)","v":10000},{"$f":"SUM(K39:K110)","v":2191.2299999999996},{"$f":"SUM(L39:L110)","v":1300},{"$f":"SUM(M37:M110)","v":0},0,0,0,0,0,0,0,0,{"$f":"XIRR(I37:I110,E37:E110)","v":0.44792364239692695},{"$f":"SUM(J111:U111)","v":13491.23}]
[1]
[1]
[1,null,null,"Загальні витрати за кредитом (проценти за користування кредитом, комісії та інші обов'язкові платежі за додаткові та/або супутні послуги кредитодавця,кредитного посередника (за наявності) та третіх осіб, пов'язані з отриманням, обслуговуванням та поверненням кредиту), грн.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUBTOTAL(9,K111:U111)","v":3491.2299999999996}]
[1,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,{"$f":"W111","v":13491.23}]
[1,null,null,"Сума платежу за розрахунковий період, грн.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"W111/K10","v":1124.2691666666667}]
[1,null,null,"Орієнтовна реальна річна процентна ставка, % річних",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"V111","v":0.44792364239692695}]
[1,null,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,null,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,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."]
[1,null,null,"Застереження: наведені обчислення платежу по кредиту розраховуються за фактичну кількість днів у місяці та  базуються на припущенні, що споживач постійно користується кредитом та погашає заборгованість по тілу кредита в дату повернення кредиту. "]
[1]