{"text_format":"3","workbook":"xlsx","n_sheets":3,"sheets":["Kalkulačka","List1","Parametry"],"not_rendered":{"images":1,"defined_names":31},"read":"whole","date_system":"1900"}

{"sheet":"Kalkulačka","index":0,"n_rows":37,"n_cols":19,"rows_kept":37,"merged":[[5,10,5,30],[7,10,7,30],[9,10,9,30],[21,10,21,30],[30,10,30,30],[32,10,32,30],[34,10,34,30],[36,10,36,30]]}
[]
[null,"Úroková kalkulačka"]
[null,"Platnost ÚS od 11. 4. 2024"]
[]
[]
[null,null,"Předpokládaná výše zajištění"]
[]
[null,null,"Výše úvěru"]
[]
[null,null,"Fixace",{"$nulls":7},"3 roky"]
[]
[]
[{"$nulls":6},true,"Životní pojištění od KP",{"$nulls":9},true,"Pojištění nemovitosti od KP"]
[{"$nulls":6},true,"Domicilace"]
[]
[{"$nulls":7},"Klient do 36 let*",{"$nulls":9},true,"Předložení PENB třídy A-B**"]
[{"$nulls":7},"Americká hypotéka"]
[{"$nulls":6},false,false,false,{"$nulls":8},false]
[]
[]
[]
[null,null,"Konečná úroková sazba",{"$nulls":7},{"$f":"IF(cValue=\"A\",VLOOKUP(cFixace,tFixacePara,8+cTyp,0)-cULimit,\"\")","v":""}]
[]
[]
[null,"* Klient do 36 let do 90 % LTV dle podmínek regulace ČNB"]
[null,"** Průkaz energetické náročnosti budov"]
[]
[null,"Výpočet anuity (orientační)"]
[]
[]
[null,null,"Výše úvěru",{"$nulls":7},{"$f":"IF(cUver=0,\"\",cUver)","v":""}]
[]
[null,null,"Úrok (%)",{"$nulls":7},{"$f":"cSazba","v":""}]
[]
[null,null,"Splatnost (roky)"]
[]
[null,null,"Anuita hypotečního úvěru",{"$nulls":7},{"$f":"cAnuita","v":""}]

{"sheet":"List1","index":1,"n_rows":0,"n_cols":0,"rows_kept":0,"hidden":true}

{"sheet":"Parametry","index":2,"n_rows":29,"n_cols":23,"rows_kept":29,"hidden":true,"merged":[[1,2,1,8],[1,9,1,15],[1,16,1,22]]}
[]
[null,null,"0 - 80%",{"$nulls":6},"80 - 90%",{"$nulls":6},"Americká hypotéka"]
[null,"Fixace","Sazba","PENB","Životní pojištění","Domicilace","Pojištění nemovitosti",null,"Konečná úroková sazba","Sazba","PENB","Životní pojištění","Domicilace","Pojištění nemovitosti",null,"Konečná úroková sazba","Sazba","PENB","Životní pojištění","Domicilace","Pojištění nemovitosti",null,"Konečná úroková sazba"]
[]
[null,"1 rok",{"v":0.0639,"d":"6.39%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"$f":"C5+IF(pZivPoj,E5,0)+IF(pDom,F5,0)+IF(pojNemoKP,G5,0)+IF(pEKO,D5,0)","v":{"v":0.0549,"d":"5.49%"}},{"v":0.0679,"d":"6.79%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"$f":"J5+IF(pZivPoj,L5,0)+IF(pDom,M5,0)+IF(pojNemoKP,N5,0)+IF(pEKO,K5,0)","v":{"v":0.0589,"d":"5.89%"}},{"v":0.0659,"d":"6.59%"},{"v":0,"d":"0.00%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"$f":"Q5+IF(pZivPoj,S5,0)+IF(pDom,T5,0)+IF(pojNemoKP,U5,0)+IF(pEKO,R5,0)","v":{"v":0.0589,"d":"5.89%"}}]
[null,"2 roky",{"v":0.0599,"d":"5.99%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0509,"d":"5.09%"},{"v":0.0639,"d":"6.39%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0549,"d":"5.49%"},{"v":0.0619,"d":"6.19%"},{"v":0,"d":"0.00%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0549,"d":"5.49%"}]
[null,"3 roky",{"v":0.0599,"d":"5.99%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0509,"d":"5.09%"},{"v":0.0639,"d":"6.39%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0549,"d":"5.49%"},{"v":0.0619,"d":"6.19%"},{"v":0,"d":"0.00%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0549,"d":"5.49%"}]
[null,"4 roky",{"v":0.0619,"d":"6.19%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.052899999999999996,"d":"5.29%"},{"v":0.0659,"d":"6.59%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0569,"d":"5.69%"},{"v":0.0639,"d":"6.39%"},{"v":0,"d":"0.00%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0569,"d":"5.69%"}]
[null,"5 let",{"v":0.0619,"d":"6.19%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.052899999999999996,"d":"5.29%"},{"v":0.0659,"d":"6.59%"},{"v":-2E-3,"d":"-0.20%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0569,"d":"5.69%"},{"v":0.0639,"d":"6.39%"},{"v":0,"d":"0.00%"},{"v":-1E-3,"d":"-0.10%"},{"v":-0.005,"d":"-0.50%"},{"v":-1E-3,"d":"-0.10%"},null,{"v":0.0569,"d":"5.69%"}]
{"$rows_empty":7}
[null,"Zajištění - úvěr",{"v":0.2,"d":"20.00%"}]
[null,"Zajištění - úvěr (%)",{"v":0.01,"d":"1.00%"}]
[null,"Klasik/Plus/AmHU",{"$f":"IF(p_AHU,14,IF(p_36y,0,IF(IF(cZaj=0,100,(cZaj-cUver)/cZaj)<pZaj,7,0)))","v":0}]
[null,"Hodnoty zadány",{"$f":"IF(AND(cUver>0,cZaj>0),\"A\",\"N\")","v":"N"}]
[null,"Úvěr >= 2,5 mio CZK",{"v":0,"d":"0.0%"}]
[]
[null,"LTV limit",{"$f":"IF(pAHU,cLTVAHU,cLTVOth)","v":{"v":1,"d":"100%"}}]
[null,"LTV AHU",{"v":0.7,"d":"70%"}]
[null,"LTV Ostatní",{"v":1,"d":"100%"}]
[]
[null,"nX",{"$f":"IF(cSazbaA<>\"\",(cSazbaA*100)/(100*12),0)","v":0}]
[null,"nN",{"$f":"cSplatnost*12-1","v":-1}]
[null,"Anuita",{"$f":"IF(AND(cSazbaA<>\"\",cSplatnost<>\"\"),cUverA*(cnX*(1+cnX)^cnN)/(((1+cnX)^cnN)-1),\"\")","v":""}]