{"text_format":"2","workbook":"xlsx","n_sheets":3,"sheets":["Ark1","Ark2","Ark3"],"not_rendered":{"charts":0,"images":1,"macros":0,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Ark1","index":0,"n_rows":30,"n_cols":12,"rows_kept":30,"cut":false,"hidden":false,"merged":[[0,11,0,12],[21,0,23,1],[18,2,18,4],[0,1,0,2],[0,3,0,4],[0,5,0,6],[0,7,0,8],[0,9,0,10]]}
[null,"Lånekalkulator",null,"Boliglån",null,"Billån",null,"Seniorlån",null,"Forsikring",null,"Forbrukslån"]
["Ønsket lånebeløp",0,"(fyll inn)"]
[]
["Annen gjeld 1",0,"(fyll inn)"]
["Annen gjeld 2",0,"(fyll inn)"]
["Annen gjeld 3",0,"(fyll inn)","Låntakere","1 eller 2","(velg)"]
["Total gjeld",{"$f":"B6+B5+B4+B2","v":0},null,"Antall barn",null,"(velg)"]
[]
[]
["Inntekt låntaker 1 (årlig før skatt)",0,"(fyll inn)","Delt omsorg",null,"Gjelder kun enslige"]
["Inntekt låntaker 2 (årlig før skatt)",0,"(fyll inn)"]
["Samlet lønnsinntekt",{"$f":"IF('Ark2'!K9=2,SUM(B10:B11),B10)","v":0}]
[]
["Skattepliktig leieinntekt",0,"(fyll inn)"]
["Skattefri leieinntekt",0,"(fyll inn)"]
[]
["Fratrekk delt omsorg",{"$f":"-('Ark2'!G27)","v":0}]
[]
["Overskuddslikviditet",{"$f":"'Ark2'!K20+'Ark2'!B47-'Ark2'!K14-B17","v":{"$error":"#N/A"}},"( her bør det bli minimum 2000 i pluss )"]
[]
[]
["Svaret er ingen endelig fasit eller bekreftelse på innvilget lån, men en god indikator på hvilket lånebeløp du/dere kan betjene.",null,null,null,"Oppskrift for å finne ut på hvilket lånebeløp en sak går f.eks 2.000 i pluss"]
[]
[{"$nulls":4},"Data"]
[{"$nulls":4},"Hva-Skjer Hvis-Analyse"]
[{"$nulls":4},"Målsøking"]
[{"$nulls":4},"I dialogboksen som kommer opp:"]
[{"$nulls":4},"Sett celle:","B19"]
[{"$nulls":4},"Til verdi",2000]
[{"$nulls":4},"Ved å endre celle:","B2"]

{"sheet":"Ark2","index":1,"n_rows":47,"n_cols":13,"rows_kept":47,"cut":false,"hidden":false,"merged":[]}
[]
[]
[{"$nulls":8},"Ingen barn",null,3]
[null,"Enslig","Par u barn","Par 1 barn","Par 2 barn","Par 3 barn",null,null,"1 barn"]
["Inntekt",{"$nulls":7},"2 barn"]
[250000,21,22,25,25,25,null,null,"3 eller flere"]
[300000,22,22,25,25,25]
[350000,25,22,25,25,25]
[400000,27,22,25,25,25,null,null,"1 låntaker",null,2]
[450000,28,22,25,25,25,null,null,"2 låntakere"]
[500000,29,25,25,25,25]
[600000,29,25,25,25,25]
[700000,29,25,25,25,25]
[800000,29,27,27,27,27,null,null,"SIFO-beløp",null,{"$f":"VLOOKUP(K3,B22:D25,K9+1)","v":25230}]
[900000,29,27,27,27,27]
[1000000,29,29,29,29,29,null,null,"Skatteprosent",null,{"$f":"VLOOKUP('Ark1'!B12,A6:F16,K18)","v":{"$error":"#N/A"}}]
[]
[{"$nulls":8},"Kolonnenummer skatt",null,{"$f":"IF(AND(K9=1,K3=1),2,2+K3)","v":5}]
[]
[{"$nulls":8},"Månedlig inntekt etter skatt",null,{"$f":"'Ark1'!B12*(1-'Ark2'!K16/100)/12","v":{"$error":"#N/A"}}]
["Barn","Tilordnet nummer","Enslig","Par","Fratrekk","Delt omsorg"]
[0,1,13150,19440,0,"Ja",2]
[1,2,18200,24305,2525,"Nei"]
[2,3,21655,25230,4252.5]
[3,4,25305,29935,6077.5,"Fratrekk barn",{"$f":"VLOOKUP(K3,B22:E25,K9+3)","v":{"$error":"#REF!"}}]
[]
[{"$nulls":5},"Riktig fratrekk",{"$f":"IF(AND(G22=1, K9=1),G25,0)","v":0}]
[]
[]
["Årlige leieinntekter",{"$f":"'Ark1'!B14","v":0},{"$nulls":5},"Årlige leieinntekter",{"$f":"'Ark1'!B15","v":0}]
["Eierkostnader",0.2,{"$nulls":5},"Eierkostnader",0.2]
["Skattesats leieinnt.",0.28000000000000003,{"$nulls":5},"Skattesats leieinnt.",0]
["Rentesats",8.1500000000000003E-2,{"$nulls":5},"Rentesats",{"$f":"B34","v":5.8680000000000003E-2}]
["Rentesats leieinntekt",{"$f":"8.15%*0.72","v":5.8680000000000003E-2},{"$nulls":5},"Nedbetalingstid",{"$f":"B35","v":30}]
["Nedbetalingstid",30]
[null,null,"Eierkostnad","Før skatt","skatt","Etter skatt",null,null,"Årlig leieinnt.","Eierkostnad","Før skatt","skatt","Etter skatt"]
[null,"Årlig leieinnt.",{"$f":"SUM(B31)","v":0.2},{"$f":"SUM(B38-(B38*C37))","v":0},{"$f":"SUM(B32)","v":0.28000000000000003},{"$f":"SUM(D37-(D37*E37))","v":0},null,null,{"$f":"SUM(I30)","v":0},{"$f":"SUM(I31)","v":0.2},{"$f":"SUM(I37-(I37*J37))","v":0},{"$f":"SUM(I32)","v":0},{"$f":"SUM(K37-(K37*L37))","v":0}]
[null,{"$f":"SUM(B30)","v":0}]
[null,null,"dekker renter og avdrag for lån stort ",null,null,{"$f":"-PV(B34,B35,F37,0,0)","v":0},null,null,"Beløp etter skatt","dekker renter og avdrag for lån stort ",null,null,{"$f":"-PV(I33,I34,M37,0,0)","v":0}]
[null,"Beløp etter skatt"]
[]
[]
[]
["Total gjeld",{"$f":"'Ark1'!B7","v":0}]
["Dekket av leieinntekt",{"$f":"F39+M39","v":0}]
["Betjenes av lønnsinntekt",{"$f":"B44-B45","v":0}]
["Avdrag på rest",{"$f":"PMT('Ark2'!B33/12,'Ark2'!B35*12,B46,0,0)","v":0}]

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