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[null,"Kontantpris og kontant vurdering"]
[null,"Ejendom",null,null,null,null,"Skatte%",null,0.4]
[null,"Alternativ",null,null,null,null,"Kalk.rente p.a.",null,0.05]
[null,"Navn",null,null,null,null,"Kalk.rente/termin",null,{"$f":"(1+I3)^0.25-1","v":1.2272234429039353E-2}]
[null,"Aftalt kontantpris",null,null,null,null,"Realkredit - vurdering og belåningsværdi"]
[null,"Fast ejendom",null,null,null,null,"Fast ejendom",null,"incl. staldinventar, grundforbedr. og alm. driftsbehold."]
[null,"Besætning",null,null,null,null,"Besætning"]
[null,"Maskiner",null,null,null,null,"Maskiner, rullende materiel"]
[null,"Staldinventar",null,null,null,null,"Rettigheder"]
[null,"Leveringsrettigheder",null,null,null," ","I alt vurdering af den kontante handelsværdi",null,null,null,null,null,null,{"$f":"SUM(N6:N9)","v":0}]
[null,"Beholdninger",null,null,null,null,"Reduktion for rettigheder",null,null,null,null,null,null,{"$f":"N9*-1","v":0}," - værdi rettighederne "]
[null,"I alt kontantpris",null,null,{"$f":"SUM(E6:E11)","v":0},null,"Reduktion for rullende materiel, SDO/SDRO",null,null,null,null,null,null,{"$f":"IF(ISBLANK(M12),N8*-1,M12)","v":0}," - maskiner medtages ikke ved SDO"]
[null,null,null,null,null,null,"Værdiansættelse, belåningsværdi SDO",null,null,null,null,null,null,{"$f":"N10+N11+N12","v":0}," = realkredit SDO udmåling"]
[null,null,null,null,null,null,"Fast ejendom + 30%",null,null,null,"fast ejd",null,null,{"$f":"N6*1.3","v":0},"beregning af løsørereduktion"]
[null,null,null,null,null,null,"Realkredit belåningsværdi evt. løsørered.",null,null,null,null,null,null,{"$f":"IF(N14<N13,N14,N13)","v":0},"den mindste af de to ovenfor"]
[null,"Finansieringsplan",null,null,null,null,null,null,null,"Annuitet-Serie","Obl-Kontant","Kurs","Rente","Adm.bidrag%","Løbetid år","Afdragsfri år"]
[null,"Realkredit","korr",null,null,"korr"]
[null,"Låne grænse ",0.7," af",{"$f":"N15","v":0},null,{"$f":"IF(ISBLANK(F18),E18*C18,F18)","v":0},null,null,null,null,null,null,null,null,null,"Før skat","Efter skat","Købesum"]
[null,"Lån",null,null,"Fordelings pct.",null,"Kontant",null,"Hovedstol",null,null,null,null,null,null,null,"eff. rente","eff. rente","Indskudshovedstol","antal lån",null,null,"VejEffFør","VejEffEft"]
[null,"Fast rente 30 år",null,null,{"$f":"1-E21-E22-E23-E24","v":0.5},{"$f":"IF(Real1!$P$1=0,\"\",\"Korr\")","v":""},{"$f":"IF(K20=\"k\",I20,I20*L20/100)","v":0},{"$f":"$G$18*E20","v":0},{"$f":"IF(K20=\"o\",ROUND(H20/L20/10,0)*1000,ROUND(H20,-3))","v":0},"a","k",97.061000000000007,0.04,1.2500000000000001E-2,30,null,{"$f":"IF(G20<0.4,0,Real1!$D$9)","v":0},{"$f":"IF(G20<0.4,0,Real1!$D$10)","v":0},{"$f":"IF(K20=\"k\",G20,I20)","v":0},{"$f":"IF(G20>1,1,0)","v":0},null,null,{"$f":"(G20/LånIalt)*Q20","v":{"$error":"#DIV/0!"}},{"$f":"(G20/LånIalt)*R20","v":{"$error":"#DIV/0!"}}]
[null,"Flexkort",null,null,0.5,{"$f":"IF(Real2!$P$1=0,\"\",\"Korr\")","v":""},{"$f":"IF(K21=\"k\",I21,I21*L21/100)","v":0},{"$f":"$G$18*E21","v":0},{"$f":"IF(K21=\"o\",ROUND(H21/L21/10,0)*1000,ROUND(H21,-3))","v":0},"a","k",100.40300000000001,4.2999999999999997E-2,1.2500000000000001E-2,30,10,{"$f":"IF(G21<0.4,0,Real2!$D$9)","v":0},{"$f":"IF(G21<0.4,0,Real2!$D$10)","v":0},{"$f":"IF(K21=\"k\",G21,I21)","v":0},{"$f":"IF(G21>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G21/LånIalt)*R21","v":{"$error":"#DIV/0!"}}]
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[null,null,null,null,null,{"$f":"IF(Real4!$P$1=0,\"\",\"Korr\")","v":""},0,0,0,"a","o",99,0.02,1.2500000000000001E-2,30,null,{"$f":"IF(G23<0.4,0,Real4!$D$9)","v":0},{"$f":"IF(G23<0.4,0,Real4!$D$10)","v":0},0,{"$f":"IF(G23>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G23/LånIalt)*R23","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,{"$f":"IF(Real5!$P$1=0,\"\",\"Korr\")","v":""},0,0,0,"a","o",98,0.02,1.2500000000000001E-2,30,null,{"$f":"IF(G24<0.4,0,Real5!$D$9)","v":0},{"$f":"IF(G24<0.4,0,Real5!$D$10)","v":0},0,{"$f":"IF(G24>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G24/LånIalt)*R24","v":{"$error":"#DIV/0!"}}]
[null,"I alt ",null,null,{"$f":"SUM(E20:E24)","v":1},null,{"$f":"SUM(G20:G24)","v":0},{"$f":"SUM(H20:H24)","v":0},{"$f":"SUM(I20:I24)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"SUM(S20:S24)","v":0}]
[null,"Banklån",null,null,null,null,null,null,null,"Ann.-Serie",null,"Kurs","Rente",null,"Løbetid år","Afdragsfri år"]
[null,"Vækstlån"]
[null,"Sælgerpantebrev",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Før skat","Efter skat"]
[null,"Lån",null,null,null,"korr","Kontant",null,"Hovedstol",null,null,null,null,null,null,null,"eff. rente","eff. rente",null,"antal lån",null,null,"VejEffFør","VejEffEft"]
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[null,"EIFO",null,null,{"$f":"IF(Lån7!$P$1=0,\"\",\"Korr\")","v":""},null,{"$f":"I31*L31/100","v":0},{"$f":"F31*L31/100","v":0},{"$f":"ROUND(F31/L31*100,-3)","v":0},"a",null,100,0.1,null,10,null,{"$f":"IF(G31<0.4,0,Lån7!$D$9)","v":0},{"$f":"IF(G31<0.4,0,Lån7!$D$10)","v":0},{"$f":"I31","v":0},{"$f":"IF(G31>1,1,0)","v":0},null,null,{"$f":"(G31/LånIalt)*Q31","v":{"$error":"#DIV/0!"}},{"$f":"(G31/LånIalt)*R31","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,0]
[null,"Etableringslån",null,null,{"$f":"IF(Lån8!$P$1=0,\"\",\"Korr\")","v":""},null,{"$f":"I32*L32/100","v":0},{"$f":"F32*L32/100","v":0},{"$f":"ROUND(F32/L32*100,-3)","v":0},"a",null,100,7.0000000000000007E-2,null,15,null,{"$f":"IF(G32<0.4,0,Lån8!$D$9)","v":0},{"$f":"IF(G32<0.4,0,Lån8!$D$10)","v":0},0,0,null,null,{"$f":"(G32/LånIalt)*Q32","v":{"$error":"#DIV/0!"}},{"$f":"(G32/LånIalt)*R32","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,0]
[null,"Familielån",null,null,{"$f":"IF(Lån9!$P$1=0,\"\",\"Korr\")","v":""},null,0,0,0,"a",null,100,0,null,30,null,{"$f":"IF(G33<0.4,0,Lån9!$D$9)","v":0},{"$f":"IF(G33<0.4,0,Lån9!$D$10)","v":0},{"$f":"I33","v":0},{"$f":"IF(G33>1,1,0)","v":0},null,null,{"$f":"(G33/LånIalt)*Q33","v":{"$error":"#DIV/0!"}},{"$f":"(G33/LånIalt)*R33","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,0]
[null,"Sælgerpantebrev",null,null,{"$f":"IF(Lån10!$P$1=0,\"\",\"Korr\")","v":""},null,0,0,0,"a",null,85,0.09,null,10,null,{"$f":"IF(G34<0.4,0,Lån10!$D$9)","v":0},{"$f":"IF(G34<0.4,0,Lån10!$D$10)","v":0},{"$f":"I34","v":0},{"$f":"IF(G34>1,1,0)","v":0},null,null,{"$error":"#DIV/0!"},{"$f":"(G34/LånIalt)*R34","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,{"$f":"I34","v":0}]
[null,"Finansieringsplan",null,null,null,null,"Kontant",null,"Hovedstol"]
[null,"Gaver","Succession            ",null,{"$f":"IF(G36=0,\"\",G36/$G$44)","v":""},null,null,null,{"$f":"G36","v":0},null,null,null,null,null,null,null,"Før skat","Efter skat",{"$f":"G36","v":0}]
[null,"Restfinansiering, kontant",null,null,{"$f":"IF(G37=0,\"\",G37/$G$44)","v":""},null,{"$f":"G44-G43-G42-G41-G40-G39-G38-G36","v":0},null,{"$f":"G37","v":0},null,null,null,null,null,null,null,"eff. rente","eff. rente",{"$f":"I37","v":0}]
[null,{"$f":"B30","v":"Banklån"},null,null,{"$f":"IF(G38=0,\"\",G38/$G$44)","v":""},null,{"$f":"G30","v":0},null,{"$f":"I30","v":0},null,null,null,null,null,null,"Eff. rente vejet gns.",{"$f":"IF(Kontantpris=0,0,W38)","v":0},{"$f":"IF(Kontantpris=0,0,X38)","v":0},null,{"$f":"SUM(T20:T34)","v":0},"Antal lån i alt",null,{"$f":"SUM(W20:W37)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(X20:X37)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"B31","v":"EIFO"},null,null,{"$f":"IF(G39=0,\"\",G39/$G$44)","v":""},null,{"$f":"G31","v":0},null,{"$f":"I31","v":0}]
[null,"Etableringslån",null,null,"",null,0,null,{"$f":"I32","v":0}]
[null,{"$f":"B33","v":"Familielån"},null,null,{"$f":"IF(G41=0,\"\",G41/$G$44)","v":""},null,{"$f":"G33","v":0},null,{"$f":"I33","v":0}]
[null,{"$f":"B34","v":"Sælgerpantebrev"},null,null,{"$f":"IF(G42=0,\"\",G42/$G$44)","v":""},null,{"$f":"G34","v":0},null,{"$f":"I34","v":0},null,null,null,null,null,null,"KK-saldo primo",{"$f":"IF(G44=0,0,'Omk. & restfinans'!F36)","v":0}]
[null,"Realkredit i alt",null,null,{"$f":"IF(G43=0,\"\",G43/$G$44)","v":""},null,{"$f":"G25","v":0},null,{"$f":"SUM(I20:I24)","v":0},null,null,null,null,null,null,"Opsparing (likvid egenkapital)",{"$f":"'Omk. & restfinans'!F29","v":0},null,null,{"$f":"SUM(T20:T24)","v":0},"Antal realkredit i alt"]
[null,"Kontant pris i alt",null,null,{"$f":"SUM(E36:E43)","v":0},null,{"$f":"E12","v":0},null,{"$f":"SUM(I36:I43)","v":0}," ->",null,{"$f":"Kontantpris-I44","v":0},null,null,null,null,null,null,{"$f":"S37+S36+S34+S33+S30+S25","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(købesum-Kontantpris=0,0.000001,købesum/Kontantpris)","v":9.9999999999999995E-7},"Faktor Købesum/Kontantpris"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kontantværdi lån i alt",null,null,{"$f":"SUM(G38:G43)","v":0}]
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{"sheet":"Omk. & restfinans","index":1,"n_rows":73,"n_cols":24,"rows_kept":73,"cut":false,"hidden":false,"merged":[[4,11,4,14],[52,5,52,6],[14,30,14,31],[15,23,16,23],[15,24,16,24],[15,28,16,28],[15,29,16,29],[15,30,16,30]]}
["Omkostninger, afstemning og aktivering"]
["Ejendom",null,{"$f":"Finansplan!$E2","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Restgæld, hvor låneomkostninger udgiftsføres år 1"]
["Alternativ",null,{"$f":"Finansplan!$E3","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Amortiseret kostpris, hvor låneomkostninger amortiseres i renten"]
["Navn",null,{"$f":"Finansplan!$E4","v":0},null,null,null,null,null,null,null,null,null,null,null,null,1," = Amort, hvis 1 = kontant, 2 = amort",null,{"$f":"Amort*2","v":2},"Formelcelle for at aktivere event calculate, når amort skifter"]
["Skødeomkostninger",null,null,null,null,null,"Købers",null,null,null,null,"Afgiftsgrundlag fast ejendom"]
["Ejendomsmægler",null,null,null,"korr","Sats","andel",null,"Køber","Sælger",null,null,null,"Kontantpris",{"$f":"FastEjendomPris","v":0},null,"Hvis BundFastEjendom > Kontantpris så BundFastEjendom ellers hvis kontantpris > Skøn så Kontantpris ellers skøn"]
["Ejendomsmægler honorar (af kontant pris)",null,null,null,null,{"$f":"IF(ISBLANK(E7),\"1,00%\",E7)","v":"1,00%"},0,null,null,{"$f":"IF(ISBLANK(E7),F7*F71,E7*F71)","v":1.0000000000000002E-6}," + moms",null,null,"Skønnet pris"]
["Advokat og stempel",null,null,null,"korr",null,null,null,null,null,null,null,null,"Off. vurdering",null,null,null,null,"Kontantpris","Skønnet pris","80 % off vurdering","Grundlag"]
["Honorar til købers advokat/ejendomskonsulent",null,null,null,null,{"$f":"IF(ISBLANK(E9),\"0,50%\",\"Korr.\")","v":"0,50%"},1,null,{"$f":"IF(ISBLANK($E9),$F9*Kontantpris*$G$9,E9*$G$9)","v":0},{"$f":"IF(ISBLANK($E9),$F9*Kontantpris*(1-$G$9),E9*(1-$G$9))","v":0},"af kontant pris",null,null,{"$f":"ProcentOffVurdering","v":0.85},{"$f":"Off._vurdering*ProcentOffVurdering","v":0},null,null,null,20000000,null,null,20000000]
["Skøde, variabel tinglysningsafgift ",null,null,null,null,{"$f":"IF(ISBLANK(E10),\"0,60%\",\"Korr.\")","v":"0,60%"},0.5,{"$f":"O10*F10","v":0},{"$f":"IF(ISBLANK(E10),G10*H10,E10*G10)","v":0},{"$f":"IF(ISBLANK(E10),H10*(1-G10),E10*(1-G10))","v":0},"af afgiftsgrundlaget",null,null,"Afgiftsgrundlag",{"$f":"R12","v":0},{"$f":"FastEjendomPris","v":0},"Kontantpris fast ejendom",null,20000000,22000000,18000000,22000000]
["Skøde, fast tinglysningsafgift ",null,null,null,null,{"$f":"IF(Kontantpris>0,TinglysningSkoede,0)","v":0},0.5,null,{"$f":"IF(ISBLANK($E11),$F11*$G$11,$F11*$G$11)","v":0},{"$f":"IF(ISBLANK($E11),$F11*(1-$G$11),$F11*(1-$G$11))","v":0},null,null,null,null,null,{"$f":"SkoenFriHandelPris","v":0},"Skøn fri handels pris, fast ejendom",null,20000000,19000000,18000000,20000000]
["I alt skødeomkostninger (afrundet hele tusinder)",null,null,null,null,null,null,null,{"$f":"ROUND(SUM(I8:I11),-3)","v":0},{"$f":"ROUND(SUM(J8:J11),-3)","v":0},null,null,null,null,null,{"$f":"Off._vurdering*0.8","v":0},"80 % off. ejendomsvurdering",{"$f":"IF(BundFastEjd>KontantFastEjendom,BundFastEjd,IF(KontantFastEjendom>SkoenFriHandelPris,KontantFastEjendom,SkoenFriHandelPris))","v":0},20000000,null,21000000,21000000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000000,21000000,18000000,21000000]
["Låneomkostninger",null,null,null,null,null,"Købers",null,null,null,null,null,null,null,null,null,null,null,20000000,23000000,24000000,24000000]
["Realkredit- og andre lån",null,null,null,"korr","Sats","andel",null,"I alt",null,null,null,null,"standard"]
["Stiftelsesprovision (hovedstol)",null,null,null,null,{"$f":"IF(ISBLANK(E16),StiftelsesprovisionSats,E16)","v":0.01},1,null,{"$f":"(Real1!H32+Real2!H32+Real3!H32+Real4!H32+Real5!H32) *G16","v":0},"af realkredits hovedstole",null,null,null,{"$f":"Q16","v":0},null,"OK",{"$f":"Real1!E75+Real2!E75+Real3!E75+Real4!E75+Real5!E75","v":0},"v"]
["Kurtage (kursværdi)",null,null,null,null,{"$f":"IF(Kontantpris=0,0,I17/(Finansplan!G25))","v":0},1,null,{"$f":"(Real1!H33+Real2!H33+Real3!H33+Real4!H33+Real5!H33)*G17","v":0},"af realkredits kursværdi",null,null,null,{"$f":"Q17","v":0},null,"OK",{"$f":"Real1!H33+Real2!H33+Real3!H33+Real4!H33+Real5!H33","v":0},"v"]
["Vurdering og lånetilbud",null,null,null,null,{"$f":"IF(ISBLANK(E18),VurderingGebyrSats,E18)","v":7500},1,null,{"$f":"(Real1!H34+Real2!H34+Real3!H34+Real4!H34+Real5!H34+Lån6!H34+Lån7!H34+Lån8!H34+Lån9!H34+Lån10!H34)*G18","v":0},"pr. etableret lån",null,null,null,{"$f":"Q18","v":0},null,"OK",{"$f":"Finansplan!T38*VurderingGebyr","v":0},"v"]
["Stempel (hovedstol)",null,null,"Korr. realkredit>",null,{"$f":"StempelSats","v":1.4500000000000001E-2},1,null,{"$f":"(Real1!H35+Real2!H35+Real3!H35+Real4!H35+Real5!H35+Lån6!H35+Lån7!H35+Lån8!H35+Lån9!H35+Lån10!H35)*G19","v":0},"af samtlige låns hovedstole",null,null,null,{"$f":"Q19","v":0},null,"OK",{"$f":"Real1!E76+Real2!E76+Real3!E76+Real4!E76+Real5!E76+Lån6!E76+Lån7!E76+Lån8!E76+Lån9!E76+Lån10!E76","v":0},"v"]
["Tinglysningsgebyr",null,null,null,null,{"$f":"TinglysningPtbr","v":1825},1,null,{"$f":"(Real1!H36+Real2!H36+Real3!H36+Real4!H36+Real5!H36+Lån6!H36+Lån7!H36+Lån8!H36+Lån9!H36+Lån10!H36)*G20","v":0},"pr. etableret lån",null,null,null,{"$f":"Q20","v":0},null,"OK",{"$f":"Finansplan!T38*TinglysningPtbr","v":0},"v"]
["Vækstkaution, stiftelsesomkostninger",null,null,null,null,null,1,null,{"$f":"IF(Finansplan!R69=TRUE,#REF!,0)","v":0}]
["Korrektion af omkostninger",null,null,null,null,null,1,null,null,null,null,null,null,0]
["I alt låneomkostninger",null,null,null,null,null,null,null,{"$f":"SUM(I16:I22)","v":0},null,null,null,null,{"$f":"ROUND(SUM(N16:N22),-3)","v":0},null,null,{"$f":"SUM(Q16:Q22)","v":0}]
["Skøde- og låneomkostninger i alt (afrundet hele tusinder)",null,null,null,null,null,null,null,{"$f":"ROUND(I23+I12,-3)","v":0}]
[]
["Afstemning af kassekredit og egenkapital i åbningsbalancen"]
[]
["Afstemning af likviditet i åbningsbalancen"]
["Købers likvide opsparing",null,null,null,null,null," likvid opsparing på etablerings- og iværksætterkonti + kontant beholdning"]
[" +/- Restbeløb fra Finansplan",null,null,null,null,{"$f":"Finansplan!G37*-1","v":0},{"$f":"IF(F30<0,\" som køber skal betale til sælger\",\" som køber har lånt ekstra\")","v":" som køber har lånt ekstra"}]
[" - købers skødesomkostninger, der aktiveres",null,null,null,null,{"$f":"I12*-1","v":0}," som køber betaler "]
[{"$f":"IF(Amort=1,\" - købers låneomkostninger, der udgiftsføres\",\" - købers låneomkostninger, der amortiseres\")","v":" - købers låneomkostninger, der udgiftsføres"},null,null,null,null,{"$f":"I23*-1","v":0}," som tilbageholdes eller opkræves af långiverne"]
[" = Rest til kassekreditten, likviditet til drift",null,null,null,null,{"$f":"SUM(F29:F32)","v":0}," likviditet til driften - efter betaling af skøde- og låneomkostninger",null,null,null,null,null,null,null,null,null,"Balance data, hele tusinder"]
[{"$f":"IF(Amort=1,\"   som består af\",\"\")","v":"   som består af"}]
[{"$f":"IF(Amort=1,\"   Prioritetsomkostninger i første måned\",\"\")","v":"   Prioritetsomkostninger i første måned"},null,null,null,null,{"$f":"IF(Amort=1,F32,0)","v":0},{"$f":"IF(Amort=1,\" indtastes som prioritetsomkostning første år i BudgetVejlby\",\"\")","v":" indtastes som prioritetsomkostning første år i BudgetVejlby"}]
["   Kassekredit saldo primo BudgetVejlby",null,null,null,null,{"$f":"F33+F35*-1","v":0}," indtastes som primo kassekredit i BudgetVejlby",null,null,null,null,null,null,null,null,null,{"$f":"F36/1000","v":0},{"$f":"A36","v":"   Kassekredit saldo primo BudgetVejlby"}]
[]
[]
["Afstemning af egenkapital i åbningsbalancen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2]
["Landbrugsaktiver, anskaffelsespris",null,null,null,null,{"$f":"N71","v":1E-4}," kontantpris landbrugsaktiver plus aktiverede skødeomkostninger"]
["  + Bil og andre personlige aktiver",null,null,null,null,null," bil og andre aktiver skal tages med over i BudgetVejlby åbningsbalance",null,null,null,null,null,null,null,null,null,{"$f":"F41/1000","v":0},{"$f":"A41","v":"  + Bil og andre personlige aktiver"}]
[{"$f":"IF(Amort=1,\"  - lån hovedstol/restgæld\",\"  - lån nettoprovenu\")","v":"  - lån hovedstol/restgæld"},null,null,null,null,{"$f":"IF(Amort=1,SUM(Finansplan!I38:I43)*-1,SUM(Finansplan!G38:G43)*-1)","v":0},{"$f":"IF(Amort=1,\" lånenes hovedstol overføres til budget\",\" lånenes nettoprovenu overføres til budget, dvs. kontantværdi minus omkostninger\")","v":" lånenes hovedstol overføres til budget"}]
["  - låneomkostninger",null,null,null,null,{"$f":"IF(Amort =1,F32,0)","v":0},{"$f":"IF(Amort=1,\" som køber betaler og udgiftsfører som prioritetsomkostninger\",\"\")","v":" som køber betaler og udgiftsfører som prioritetsomkostninger"}]
["  +/- kassekredit primo",null,null,null,null,{"$f":"F36","v":0}," som ovenfor"]
["  = Egenkapital til drift",null,null,null,null,{"$f":"SUM(F40:F44)","v":1E-4}," den egenkapital, der er at stå imod med driftsmæssigt (efter handlens omkostninger)"]
[{"$f":"IF(Amort=1,\"    som består af\",\"\")","v":"    som består af"}]
[{"$f":"IF(Amort=1,\"    Prioritetsomkostninger i første måned\",\"\")","v":"    Prioritetsomkostninger i første måned"},null,null,null,null,{"$f":"F35","v":0}," tab af egenkapital første måned ved udgiftsførsel af låneomkostninger"]
["  = Egenkapital primo BudgetVejlby",null,null,null,null,{"$f":"F45-F47","v":1E-4}]
[{"$f":"IF(Amort=1,IF(F49>0,\" + Kurstab låneoptagelse\",\" + kursgevinst låneoptagelse\"),\"\")","v":" + kursgevinst låneoptagelse"},null,null,null,null,{"$f":"IF(Amort=1,Finansplan!L44*-1,\"\")","v":0},{"$f":"IF(Amort=1,IF(F49>0,\" kurstabet fra låneoptagelsen er mistet i egenkapital,\",\"  kursgevinsten fra låneoptagelsen er tillagt egenkapitalen\"),\"\")","v":"  kursgevinsten fra låneoptagelsen er tillagt egenkapitalen"}]
[{"$f":"IF(Amort=1,\" = Egenkapital før handlen\",\"\")","v":" = Egenkapital før handlen"},null,null,null,null,{"$f":"IF(Amort=1,F48+F49,\"\")","v":1E-4},{"$f":"IF(Amort=1,\" da lånene ikke overføres som kontantværdi, men som restgæld\",\"\")","v":" da lånene ikke overføres som kontantværdi, men som restgæld"}]
["Aktivering af skødeomkostninger"]
[null,null,null,null,null,null,null,null,"Tinglysning","Advokat",null,null,null,"Anskaffelses-"]
[null,null,null,null,null,"Kontantpris",null,null,"omkostning","berigtigelse",null,null,null,"pris","I alt"]
["Fast ejendom",null,null,null,null,{"$f":"IF(Finansplan!E6=0,0.0001,Finansplan!E6)","v":1E-4},null,null,null,null,null,null,null,null,{"$f":"SUM(N55:N59)","v":1E-4},null,"Anskaffelsespris"]
[" - heraf bygninger",null,null,null,null,null,null,null,{"$f":"ROUND(G55/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G55/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G55+I55+J55","v":0},null,null,{"$f":"N55/1000","v":0},{"$f":"A55","v":" - heraf bygninger"}]
[" - heraf stuehus beboet af ejer",null,null,null,null,null,null,null,{"$f":"ROUND(G56/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G56/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G56+I56+J56","v":0},null,null,0,{"$f":"A56","v":" - heraf stuehus beboet af ejer"}]
[" - heraf udlejede stuehuse",null,null,null,null,null,null,null,{"$f":"ROUND(G57/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G57/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G57+I57+J57","v":0},null,null,0," - heraf udlejede stuehuse"]
[" - heraf grundforbedringer",null,null,null,null,null,null,null,{"$f":"ROUND(G58/$F$54*$I$71,-3)","v":0},{"$f":"ROUND(G58/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G58+I58+J58","v":0},null,null,0," - heraf grundforbedringer"]
[" - heraf jord",null,null,null,null,null,{"$f":"F54-G55-G56-G57-G58","v":1E-4},null,{"$f":"I71-I55-I56-I57","v":0},{"$f":"J71-SUM(J55:J57)-SUM(J60:J70)","v":0},null,"→",null,{"$f":"G59+I59+J59","v":1E-4},null,null,1.0000000000000001E-7," - heraf jord"]
["Leveringsrettigheder",null,null,null,null,{"$f":"Finansplan!E10","v":0},null,null,"→",{"$f":"ROUND(F60/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"F60+J60","v":0},{"$f":"N60","v":0},null,0,"Leveringsrettigheder"]
["Inventar",null,null,null,null,{"$f":"Finansplan!E8+Finansplan!E9","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(N62:N64)","v":0}]
[" - heraf inventar markredskaber",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G62/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G62+J62","v":0},null,null,{"$f":"N62/1000","v":0}," - heraf inventar markredskaber"]
[" - heraf inventar husdyrbrug",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G63/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G63+J63","v":0},null,null,{"$f":"N63/1000","v":0}," - heraf inventar husdyrbrug"]
[" - heraf inventar andet",null,null,null,null,null,{"$f":"F61-G62-G63","v":0},null,"→",{"$f":"ROUND(G64/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G64+J64","v":0},null,null,{"$f":"N64/1000","v":0}," - heraf inventar andet"]
["Besætning",null,null,null,null,{"$f":"Finansplan!E7","v":0},null,null,"→",{"$f":"ROUND(F65/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"F65+J65","v":0},{"$f":"N65","v":0},null,{"$f":"N65/1000","v":0},"Besætning"]
["Beholdninger",null,null,null,null,{"$f":"Finansplan!E11","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(N67:N70)","v":0}]
[" - heraf beholdninger egen avl",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G67/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G67+J67","v":0},null,null,{"$f":"N67/1000","v":0}," - heraf beholdninger egen avl"]
[" - heraf beholdning indkøbt foder",null,null,null,null,null,null,null,"→",{"$f":"ROUND(G68/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G68+J68","v":0},null,null,{"$f":"N68/1000","v":0}," - heraf beholdning indkøbt foder"]
[" - heraf jordbeholdninger",null,null,null,null,null,null,null,"→",0,null,"→",null,{"$f":"G69+J69","v":0},null,null,{"$f":"N69/1000","v":0}," - heraf jordbeholdninger"]
[" - heraf andre beholdninger",null,null,null,null,null,{"$f":"F66-G69-G68-G67","v":0},null,"→",{"$f":"ROUND(G70/$G$71*$J$71,-3)","v":0},null,"→",null,{"$f":"G70+J70","v":0},null,null,{"$f":"N70/1000","v":0}," - heraf andre beholdninger"]
["I alt kontant pris",null,null,null,null,{"$f":"F66+F65+F61+F60+F54","v":1E-4},{"$f":"SUM(G55:G70)+F60+F65","v":1E-4},null,{"$f":"ROUND(I10+I11,-3)","v":0},{"$f":"ROUND(I9,-3)","v":0},null,{"$f":"I71+J71","v":0},null,{"$f":"SUM(N54:N70)","v":1E-4},{"$f":"SUM(O54:O70)","v":1E-4}]
[null,null,null,null,null,null,{"$f":"IF(ABS(G71-F71)>0.5,\"FEJL I AFSTEMNINGEN\",\"\")","v":""}]
[null,null,null,null,null,"Omkostninger pr. aktiv er afrundet til hele tusinder"]

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[null,"YDELSER",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,null,null,null,null,"SATS-TABEL"]
[null,"Ejendom",{"$f":"Finansplan!$E2","v":0},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,null,null,null,"TinglysningPtbr",null,null,1825,"https://domstol.dk/tinglysningsretten/tingboegerne/tinglysningsafgifter/"]
[null,"Alternativ",{"$f":"Finansplan!$E3","v":0},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,null,null,null,"TinglysningSkoede",null,null,1850]
[null,"Navn",{"$f":"Finansplan!$E4","v":0},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,null,null,null,"Kursskæring/Indskud",null,null,0.01,"Førhen 1 % af hovedstol, nu i stedet brugt til kursskæring"]
[null,{"$f":"Real1!$D$2","v":"Fast rente 30 år"},null,null,{"$f":"Real2!$D$2","v":"Flexkort"},null,null,{"$f":"Real3!$D$2","v":0},null,null,{"$f":"Real4!$D$2","v":0},null,null,{"$f":"Real5!$D$2","v":0},null,null,{"$f":"Finansplan!$B$30","v":"Banklån"},null,null,{"$f":"Finansplan!$B$31","v":"EIFO"},null,null,{"$f":"Finansplan!$B$32","v":"Etableringslån"},null,null,{"$f":"Finansplan!$B$33","v":"Familielån"},null,null,{"$f":"Finansplan!$B$34","v":"Sælgerpantebrev"},null,null,"I alt",null,null,null,null,"MinStiftelse",null,null,10000]
[null,"Real1",null,null,"Real2",null,null,"Real3",null,null,"Real4",null,null,"Real5",null,null,"Lån6",null,null,"Lån7",null,null,"Lån8",null,null,"Lån9",null,null,"Lån10",null,null,"Alle lån",null,null,null,null,"KurtageGrænse",null,null,3000000]
["Primo",{"$f":"IF(Amort=2,Real1!$I$38,IF(Real1!$H$2=\"k\",Real1!$I$31,Real1!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real1!AC85:'Real1'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real2!$I$38,IF(Real2!$H$2=\"k\",Real2!$I$31,Real2!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real2!AC85:'Real2'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real3!$I$38,IF(Real3!$H$2=\"k\",Real3!$I$31,Real3!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real3!AC85:'Real3'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real4!$I$38,IF(Real4!$H$2=\"k\",Real4!$I$31,Real4!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real4!AC85:'Real4'!AC204),0)","v":0},{"$f":"IF(Amort=2,Real5!$I$38,IF(Real5!$H$2=\"k\",Real5!$I$31,Real5!$I$29))","v":0},null,{"$f":"IF(Amort=2,SUM(Real5!AC85:'Real5'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån6!$I$38,Lån6!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån6!AC85:'Lån6'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån7!$I$38,Lån7!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån7!AC85:'Lån7'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån8!$I$38,Lån8!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån8!AC85:'Lån8'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån9!$I$38,Lån9!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån9!AC85:'Lån9'!AC204),0)","v":0},{"$f":"IF(Amort=2,Lån10!$I$38,Lån10!$I$29)","v":0},null,{"$f":"IF(Amort=2,SUM(Lån10!AC85:'Lån10'!AC204),0)","v":0},{"$f":"B7+E7+H7+K7+N7+Q7+T7+W7+Z7+AC7","v":0},null,null,{"$f":"Y7+V7+S7+P7+M7+J7+G7+D7+AB7+AE7","v":0}]
["Termin","Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},"Afdrag",{"$f":"IF(Amort=1,\"Rente/adm\",\"Rente ialt\")","v":"Rente/adm"},"Ydelse",{"$f":"IF(Amort=2,\"Amort\",\"\")","v":""},null,"KurtageUnder3Sats",null,null,1.5E-3]
[1,{"$f":"Real1!$E$40","v":0},{"$f":"Real1!$F$40","v":0},{"$f":"IF(Amort=2,Real1!AC85,0)","v":0},{"$f":"Real2!$E40","v":0},{"$f":"Real2!$F40","v":0},{"$f":"IF(Amort=2,Real2!AC85,0)","v":0},{"$f":"Real3!$E40","v":0},{"$f":"Real3!$F40","v":0},{"$f":"IF(Amort=2,Real3!AC85,0)","v":0},{"$f":"Real4!$E40","v":0},{"$f":"Real4!$F40","v":0},{"$f":"IF(Amort=2,Real4!AC85,0)","v":0},{"$f":"Real5!$E40","v":0},{"$f":"Real5!$F40","v":0},{"$f":"IF(Amort=2,Real5!AC85,0)","v":0},{"$f":"Lån6!$E40","v":0},{"$f":"Lån6!$F40","v":0},{"$f":"IF(Amort=2,Lån6!AC85,0)","v":0},{"$f":"Lån7!$E40","v":0},{"$f":"Lån7!$F40","v":0},{"$f":"IF(Amort=2,Lån7!AC85,0)","v":0},{"$f":"Lån8!$E40","v":0},{"$f":"Lån8!$F40","v":0},{"$f":"IF(Amort=2,Lån8!AC85,0)","v":0},{"$f":"Lån9!$E40","v":0},{"$f":"Lån9!$F40","v":0},{"$f":"IF(Amort=2,Lån9!AC85,0)","v":0},{"$f":"Lån10!$E40","v":0},{"$f":"Lån10!$F40","v":0},{"$f":"IF(Amort=2,Lån10!AC85,0)","v":0},{"$f":"B9+E9+H9+K9+N9+Q9+T9+W9+Z9+AC9","v":0},{"$f":"C9+F9+I9+L9+O9+R9+U9+X9+AA9+AD9","v":0},{"$f":"AF9+AG9","v":0},{"$f":"Y9+V9+S9+P9+M9+J9+G9+D9+AB9+AE9","v":0},null,"KurtageMinSats",null,null,175]
[2,{"$f":"Real1!E41","v":0},{"$f":"Real1!F41","v":0},{"$f":"IF(Amort=2,Real1!AC86,0)","v":0},{"$f":"Real2!$E41","v":0},{"$f":"Real2!$F41","v":0},{"$f":"IF(Amort=2,Real2!AC86,0)","v":0},{"$f":"Real3!$E41","v":0},{"$f":"Real3!$F41","v":0},{"$f":"IF(Amort=2,Real3!AC86,0)","v":0},{"$f":"Real4!$E41","v":0},{"$f":"Real4!$F41","v":0},{"$f":"IF(Amort=2,Real4!AC86,0)","v":0},{"$f":"Real5!$E41","v":0},{"$f":"Real5!$F41","v":0},{"$f":"IF(Amort=2,Real5!AC86,0)","v":0},{"$f":"Lån6!$E41","v":0},{"$f":"Lån6!$F41","v":0},{"$f":"IF(Amort=2,Lån6!AC86,0)","v":0},{"$f":"Lån7!$E41","v":0},{"$f":"Lån7!$F41","v":0},{"$f":"IF(Amort=2,Lån7!AC86,0)","v":0},{"$f":"Lån8!$E41","v":0},{"$f":"Lån8!$F41","v":0},{"$f":"IF(Amort=2,Lån8!AC86,0)","v":0},{"$f":"Lån9!$E41","v":0},{"$f":"Lån9!$F41","v":0},{"$f":"IF(Amort=2,Lån9!AC86,0)","v":0},{"$f":"Lån10!$E41","v":0},{"$f":"Lån10!$F41","v":0},{"$f":"IF(Amort=2,Lån10!AC86,0)","v":0},{"$f":"B10+E10+H10+K10+N10+Q10+T10+W10+Z10+AC10","v":0},{"$f":"C10+F10+I10+L10+O10+R10+U10+X10+AA10+AD10","v":0},{"$f":"AF10+AG10","v":0},{"$f":"Y10+V10+S10+P10+M10+J10+G10+D10+AB10+AE10","v":0},null,"VurderingGebyrSats",null,null,7500]
[3,{"$f":"Real1!E42","v":0},{"$f":"Real1!F42","v":0},{"$f":"IF(Amort=2,Real1!AC87,0)","v":0},{"$f":"Real2!$E42","v":0},{"$f":"Real2!$F42","v":0},{"$f":"IF(Amort=2,Real2!AC87,0)","v":0},{"$f":"Real3!$E42","v":0},{"$f":"Real3!$F42","v":0},{"$f":"IF(Amort=2,Real3!AC87,0)","v":0},{"$f":"Real4!$E42","v":0},{"$f":"Real4!$F42","v":0},{"$f":"IF(Amort=2,Real4!AC87,0)","v":0},{"$f":"Real5!$E42","v":0},{"$f":"Real5!$F42","v":0},{"$f":"IF(Amort=2,Real5!AC87,0)","v":0},{"$f":"Lån6!$E42","v":0},{"$f":"Lån6!$F42","v":0},{"$f":"IF(Amort=2,Lån6!AC87,0)","v":0},{"$f":"Lån7!$E42","v":0},{"$f":"Lån7!$F42","v":0},{"$f":"IF(Amort=2,Lån7!AC87,0)","v":0},{"$f":"Lån8!$E42","v":0},{"$f":"Lån8!$F42","v":0},{"$f":"IF(Amort=2,Lån8!AC87,0)","v":0},{"$f":"Lån9!$E42","v":0},{"$f":"Lån9!$F42","v":0},{"$f":"IF(Amort=2,Lån9!AC87,0)","v":0},{"$f":"Lån10!$E42","v":0},{"$f":"Lån10!$F42","v":0},{"$f":"IF(Amort=2,Lån10!AC87,0)","v":0},{"$f":"B11+E11+H11+K11+N11+Q11+T11+W11+Z11+AC11","v":0},{"$f":"C11+F11+I11+L11+O11+R11+U11+X11+AA11+AD11","v":0},0,{"$f":"Y11+V11+S11+P11+M11+J11+G11+D11+AB11+AE11","v":0},null,"StempelSats",null,null,1.4500000000000001E-2,"Nedsat fra 1,50 % pr. 1. juli 2019. Nedsættes til 1,25 % pr. 1. januar 2026"]
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["1. år",{"$f":"SUM(B9:B12)","v":0},{"$f":"SUM(C9:C12)","v":0},{"$f":"IF(Amort=2,ROUND((Real1!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real2!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real3!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real4!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real5!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån6!$AF$88),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån7!$AF$88),0),0)","v":0},{"$f":"SUM(W9:W12)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån8!$AF$88),0),0)","v":0},{"$f":"SUM(Z9:Z12)","v":0},{"$f":"SUM(AA9:AA12)","v":0},{"$f":"IF(Amort=2,ROUND((Lån9!$AF$88),0),0)","v":0},{"$f":"SUM(AC9:AC12)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån10!$AF$88),0),0)","v":0},{"$f":"ROUND(B30+E30+H30+K30+N30+Q30+T30+W30+Z30+AC30,0)","v":0},{"$f":"ROUND(C30+F30+I30+L30+O30+R30+U30+X30+AA30+AD30,0)","v":0},{"$f":"AF30+AG30","v":0},{"$f":"IF(Amort=2,(ROUND(D30+G30+J30+M30+P30+S30+V30+Y30+AB30+AE30,0))/1000,0)","v":0}]
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["4. år",{"$f":"SUM(B21:B24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Real1!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real2!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real3!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real4!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Real5!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån6!$AF$100),0),0)","v":0},0,0,{"$f":"IF(Amort=2,ROUND((Lån7!$AF$100),0),0)","v":0},{"$f":"SUM(W21:W24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån8!$AF$100),0),0)","v":0},{"$f":"SUM(Z21:Z24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån9!$AF$100),0),0)","v":0},{"$f":"SUM(AC21:AC24)","v":0},0,{"$f":"IF(Amort=2,ROUND((Lån10!$AF$100),0),0)","v":0},0,0,{"$f":"AF33+AG33","v":0},{"$f":"IF(Amort=2,(ROUND(D33+G33+J33+M33+P33+S33+V33+Y33+AB33+AE33,0))/1000,0)","v":0}]
["5. år",{"$f":"SUM(B25:B28)","v":0},{"$f":"SUM(C25:C28)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(Z25:Z28)","v":0},0,0,0,0,{"$f":"IF(Amort=2,ROUND((Lån10!$AF$100),0),0)","v":0},{"$f":"ROUND(B34+E34+H34+K34+N34+Q34+T34+W34+Z34+AC34,0)","v":0},{"$f":"ROUND(C34+F34+I34+L34+O34+R34+U34+X34+AA34+AD34,0)","v":0},{"$f":"AF34+AG34","v":0},{"$f":"IF(Amort=2,(ROUND(D34+G34+J34+M34+P34+S34+V34+Y34+AB34+AE34,0))/1000,0)","v":0}]
[]
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[]
[]
["Stiftelsesprovision (beregnes af hovedstol, min. 10.000))",null,{"$f":"Real1!$H32*-1","v":0},null,null,{"$f":"Real2!$H32*-1","v":0},null,null,{"$f":"Real3!$H32*-1","v":0},null,null,{"$f":"Real4!$H32*-1","v":0},null,null,{"$f":"Real5!$H32*-1","v":0},null,null,{"$f":"Lån6!$H32*-1","v":0},null,null,{"$f":"Lån7!$H32*-1","v":0},null,null,{"$f":"Lån8!$H32*-1","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(C46:X46)","v":0}]
["Kurtage (beregnes af kursværdi)",null,{"$f":"Real1!$H33*-1","v":0},null,null,{"$f":"Real2!$H33*-1","v":0},null,null,{"$f":"Real3!$H33*-1","v":0},null,null,{"$f":"Real4!$H33*-1","v":0},null,null,{"$f":"Real5!$H33*-1","v":0},null,null,{"$f":"Lån6!$H33*-1","v":0},null,null,{"$f":"Lån7!$H33*-1","v":0},null,null,{"$f":"Lån8!$H33*-1","v":0},null,null,null,null,null,null,null,null,0]
["Vurdering og lånetilbud, kr.",null,{"$f":"Real1!$H34*-1","v":0},null,null,{"$f":"Real2!$H34*-1","v":0},null,null,{"$f":"Real3!$H34*-1","v":0},null,null,{"$f":"Real4!$H34*-1","v":0},null,null,{"$f":"Real5!$H34*-1","v":0},null,null,{"$f":"Lån6!$H34*-1","v":0},null,null,{"$f":"Lån7!$H34*-1","v":0},null,null,{"$f":"Lån8!$H34*-1","v":0},null,null,null,null,null,null,null,null,0]
["Stempelafgift, staten (beregnes af hovedstol, opr. hele 100 kr)",null,{"$f":"Real1!$H35*-1","v":0},null,null,{"$f":"Real2!$H35*-1","v":0},null,null,{"$f":"Real3!$H35*-1","v":0},null,null,{"$f":"Real4!$H35*-1","v":0},null,null,{"$f":"Real5!$H35*-1","v":0},null,null,{"$f":"Lån6!$H35*-1","v":0},null,null,{"$f":"Lån7!$H35*-1","v":0},null,null,{"$f":"Lån8!$H35*-1","v":0},null,null,null,null,null,null,null,null,0]
["Tinglysning, staten, kr.",null,{"$f":"Real1!$H36*-1","v":0},null,null,{"$f":"Real2!$H36*-1","v":0},null,null,{"$f":"Real3!$H36*-1","v":0},null,null,{"$f":"Real4!$H36*-1","v":0},null,null,{"$f":"Real5!$H36*-1","v":0},null,null,{"$f":"Lån6!$H36*-1","v":0},null,null,{"$f":"Lån7!$H36*-1","v":0},null,null,{"$f":"Lån8!$H36*-1","v":0},null,null,null,null,null,null,null,null,0]
["Låneomk.",null,{"$f":"SUM(C46:C50)","v":0},null,null,{"$f":"SUM(F46:F50)","v":0},null,null,{"$f":"SUM(I46:I50)","v":0},null,null,{"$f":"SUM(L46:L50)","v":0},null,null,{"$f":"SUM(O46:O50)","v":0},null,null,{"$f":"SUM(R46:R50)","v":0},null,null,{"$f":"SUM(U46:U50)","v":0},null,null,{"$f":"SUM(X46:X50)","v":0},null,null,null,null,null,null,null,{"$f":"SUM(C51:X51)","v":0},0]
[]
["Kurstab",null,{"$f":"Real1!I30*-1","v":0},null,null,{"$f":"Real2!$I30*-1","v":0},null,null,{"$f":"Real3!$I30*-1","v":0},null,null,{"$f":"Real4!$I30*-1","v":0},null,null,{"$f":"Real5!$I30*-1","v":0},null,null,{"$f":"Lån6!$I30*-1","v":0},null,null,{"$f":"Lån7!$I30*-1","v":0},null,null,{"$f":"Lån7!$I30*-1","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(C53:X53)","v":0}]
["Amortisering",null,{"$f":"C51*-1+C53","v":0},null,null,{"$f":"F51*-1+F53","v":0},null,null,{"$f":"I51*-1+I53","v":0},null,null,{"$f":"L51*-1+L53","v":0},null,null,{"$f":"O51*-1+O53","v":0},null,null,{"$f":"R51*-1+R53","v":0},null,null,{"$f":"U51*-1+U53","v":0},null,null,{"$f":"X51*-1+X53","v":0},null,null,null,null,null,null,null,{"$f":"SUM(C54:X54)","v":0},{"$f":"AG51*-1+AG53","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Til kopiering til BudgetVejlby"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Renter og bidrag i alt"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG31/-1000","v":0},"År 2","Der kopieres i makroen med indsæt speciel kun værdier"]
[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,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG32/-1000","v":0},"År 3","Hvert område har sit eget navn, FVKopi1, FVKopi2 osv."]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AG34/-1000","v":0},"År 5"]
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[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,null,null,null,null,null,null,null,null,null,null,null,{"$f":"N5","v":0},null,{"$f":"-ROUND(N$7/1000,3)","v":0},null,{"$f":"ROUND($N30/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N31/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N32/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N33/1000,3)","v":0},null,null,0,null,{"$f":"ROUND($N34/1000,3)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pengeinstitut"]
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{"sheet":"Real1","index":3,"n_rows":205,"n_cols":32,"rows_kept":205,"cut":false,"hidden":false,"merged":[]}
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[null,null,null,{"$f":"Finansplan!B20","v":"Fast rente 30 år"},null,null,null,{"$f":"IF(ISBLANK(G2),Finansplan!K20,G2)","v":"k"},"  k = kontant-, o = obl.lån"]
[null,null,null,{"$f":"IF(H2=\"k\",\"Kontantlån\",\"Obligationslån\")","v":"Kontantlån"},null,null,null,{"$f":"IF(ISBLANK(G3),Finansplan!J20,G3)","v":"a"},"  a = annuitet, s = serielån"]
[null,null,null,{"$f":"IF(H3=\"s\",\"Serielån\",\"Annuitetslån\")","v":"Annuitetslån"},null,null,null,{"$f":"IF(ISBLANK(G4),Finansplan!I20,G4)","v":0},"  hovedstol / restgæld"]
[null,null,null,{"$f":"IF(H6>0,\"med afdragsfrihed\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G5),IF(Finansplan!O20<=50,Finansplan!O20,50),IF(G5<=50,G5,50))","v":30},"  års løbetid",{"$f":"IF(G5>50,\"Max 50 år\",\"\")","v":""}]
[null,null,null,{"$f":"IF(H5>30,\"Grafikken viser kun de første 30 år af ydelsen\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G6),Finansplan!P20,G6)","v":0},"  års afdragsfrihed"]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G7),Finansplan!M20,G7)","v":0.04},{"$f":"IF(H2=\"k\",IF(P7=1,\"  kontantlånsrente indtastet\",\"  pålyd. rente bagvedlig. oblig.\"), \"  pålydende rente\")","v":"  pålyd. rente bagvedlig. oblig."},null,null,null,null,null,null,{"$f":"IF(H1>100,1,0)","v":0}]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G8),4,G8)","v":4},"  terminer inden første status"]
[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":0},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":0},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent"]
[null,"Effektiv rente efter skat",null,{"$f":"IF($H$2=\"k\",J72,I72)","v":0},{"$f":"IF(H2=\"k\",\"Kontantlånsrente\",\"Nominel rente\")","v":"Kontantlånsrente"},{"$f":"IF(H2=\"k\",ROUND(J66*4,6),H7)","v":0},null,{"$f":"IF(ISBLANK(G10),Finansplan!N20,G10)","v":1.2500000000000001E-2},"  adm.bidrags procent"]
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[null,{"$f":"IF(H2=\"k\",\"\",\"   Kurstab\")","v":""},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",0,I31-I29)","v":0},{"$f":"IF(H4>0,(I29-I31)/I29*-1,0)","v":0}]
[null,"KURSVÆRDI, kurs",null,{"$f":"$H$1","v":97.061000000000007},{"$f":"IF(H2=\"k\",\" = HOVEDSTOL = tinglyst gæld\",\"\")","v":" = HOVEDSTOL = tinglyst gæld"},null,null,null,{"$f":"IF(H2=\"k\",H4,ROUND(H4*H1/100,0))","v":0}]
[null,"   Kursskæring/Stiftelsesprovision",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H32/I$29,H32/I$31),0)","v":0},null,{"$f":"IF(H4>0,IF(H2=\"o\",I74,J74),0)","v":0}]
[null,"   Kurtage (beregnes af kursværdi)",null,null,null,{"$f":"H33/(I31+0.0001)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G33),E73,G33))","v":0}]
[null,"   Vurdering og lånetilbud, kr.",null,null,null,{"$f":"IF($I$31=0,0,VurderingGebyrSats)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G34),'Omk. & restfinans'!F18,G34))","v":0}]
[null,"   Stempelafgift, staten (beregnes af hovedstol, opr. hele 100 kr",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H35/I$29,H35/I$31),0)","v":0},null,{"$f":"IF(ISBLANK(G35),IF(H2=\"o\",I73,J73),G35)","v":0}]
[null,"   Tinglysning, staten, kr.",null,null,null,{"$f":"IF($I$31=0,0,TinglysningPtbr)","v":0},null,{"$f":"IF($I$31=0,0,IF(ISBLANK(G36),TinglysningPtbr,G36))","v":0}]
[null,"LÅNEOMKOSTNINGER  I ALT",null,null,null,null,null,{"$f":"SUM(H32:H36)","v":0},{"$f":"H37*-1","v":0},{"$f":"IF(H4>0,I37/I29,0)","v":0}]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":0.01},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"k"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,null,null,{"$f":"IF(H6>0,\"med afdragsfrihed\",\"\")","v":"med afdragsfrihed"},null,null,null,{"$f":"IF(ISBLANK(G5),IF(Finansplan!O21<=50,Finansplan!O21,50),IF(G5<=50,G5,50))","v":30},"  års løbetid",{"$f":"IF(G5>50,\"Max 50 år\",\"\")","v":""}]
[null,null,null,{"$f":"IF(H5>30,\"Grafikken viser kun de første 30 år af ydelsen\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G6),Finansplan!P21,G6)","v":10},"  års afdragsfrihed"]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G7),Finansplan!M21,G7)","v":4.2999999999999997E-2},{"$f":"IF(H2=\"k\",IF(P7=1,\"  kontantlånsrente indtastet\",\"  pålyd. rente bagvedlig. oblig.\"), \"  pålydende rente\")","v":"  kontantlånsrente indtastet"},null,null,null,null,null,null,{"$f":"IF(H1>100,1,0)","v":1}]
[null,null,null,null,null,null,null,{"$f":"IF(ISBLANK(G8),4,G8)","v":4},"  terminer inden første status"]
[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":0},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":0},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent"]
[null,"Effektiv rente efter skat",null,{"$f":"IF($H$2=\"k\",J72,I72)","v":0},{"$f":"IF(H2=\"k\",\"Kontantlånsrente\",\"Nominel rente\")","v":"Kontantlånsrente"},{"$f":"IF(H2=\"k\",ROUND(J66*4,6),H7)","v":4.2999999999999997E-2},null,{"$f":"IF(ISBLANK(G10),Finansplan!N21,G10)","v":1.2500000000000001E-2},"  adm.bidrags procent"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,{"$f":"IF(H2=\"k\",\"Bagvedliggende obligationer\",\"HOVEDSTOL = pålydende = tinglyst gæld\")","v":"Bagvedliggende obligationer"},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",IFERROR(H4/H1*100,0),H4)","v":0},1]
[null,{"$f":"IF(H2=\"k\",\"\",\"   Kurstab\")","v":""},null,null,null,null,null,null,{"$f":"IF(H2=\"k\",0,I31-I29)","v":0},{"$f":"IF(H4>0,(I29-I31)/I29*-1,0)","v":0}]
[null,"KURSVÆRDI, kurs",null,{"$f":"$H$1","v":100.40300000000001},{"$f":"IF(H2=\"k\",\" = HOVEDSTOL = tinglyst gæld\",\"\")","v":" = HOVEDSTOL = tinglyst gæld"},null,null,null,{"$f":"IF(H2=\"k\",H4,ROUND(H4*H1/100,0))","v":0}]
[null,"   Kursskæring/Stiftelsesprovision",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H32/I$29,H32/I$31),0)","v":0},null,{"$f":"IF(H4>0,IF(H2=\"o\",I74,J74),0)","v":0}]
[null,"   Kurtage (beregnes af kursværdi)",null,null,null,{"$f":"H33/(I31+0.0001)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G33),E73,G33))","v":0}]
[null,"   Vurdering og lånetilbud, kr.",null,null,null,{"$f":"IF($I$31=0,0,VurderingGebyrSats)","v":0},null,{"$f":"IF(I31=0,0,IF(ISBLANK(G34),'Omk. & restfinans'!F18,G34))","v":0}]
[null,"   Stempelafgift, staten (beregnes af hovedstol, opr. hele 100 kr",null,null,null,{"$f":"IF(H4>0,IF(H$2=\"o\",H35/I$29,H35/I$31),0)","v":0},null,{"$f":"IF(ISBLANK(G35),IF(H2=\"o\",I73,J73),G35)","v":0}]
[null,"   Tinglysning, staten, kr.",null,null,null,{"$f":"IF($I$31=0,0,TinglysningPtbr)","v":0},null,{"$f":"IF($I$31=0,0,IF(ISBLANK(G36),TinglysningPtbr,G36))","v":0}]
[null,"LÅNEOMKOSTNINGER  I ALT",null,null,null,null,null,{"$f":"SUM(H32:H36)","v":0},{"$f":"H37*-1","v":0},{"$f":"IF(H4>0,I37/I29,0)","v":0}]
[null,"NETTOPROVENU",null,null,null,null,null,null,{"$f":"ROUND(I31+I37,0)","v":0},{"$f":"IF(H4>0,I38/I29*1,0)","v":0}]
[null,"YDELSE","Termin",{"$f":"IF(Amort=1,\"Primo\",\"Forpligtelse\")","v":"Primo"},{"$f":"IF(Amort=1,\"Afdrag\",\"Amort afdrag\")","v":"Afdrag"},{"$f":"IF(Amort=1,\"Rente+bidrag\",\"Amort. rente\")","v":"Rente+bidrag"},null,null,"Afdrag",{"$f":"IF(Amort=2,\"Rente i alt\",\"Rente+bidrag\")","v":"Rente+bidrag"}]
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[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},2,{"$f":"AE86","v":0},0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E41+E40),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F41+F40),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},3,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E40:E42),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F40:F42),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},4,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E40:E43),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F40:F43),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},5,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E41:E44),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F41:F44),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},6,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E42:E45),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F42:F45),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},7,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E43:E46),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F43:F46),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},8,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E44:E47),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F44:F47),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},9,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E45:E48),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F45:F48),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},10,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E46:E49),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F46:F49),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},11,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E47:E50),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F47:F50),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},12,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E48:E51),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F48:F51),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},13,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E49:E52),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F49:F52),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},14,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E50:E53),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F50:F53),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},15,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E51:E54),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F51:F54),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},16,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E52:E55),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F52:F55),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},17,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E53:E56),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F53:F56),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},18,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E54:E57),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F54:F57),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},19,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E55:E58),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F55:F58),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},20,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E56:E59),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F56:F59),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},21,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E57:E60),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F57:F60),\"\")","v":""}]
[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},22,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E58:E61),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F58:F61),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},23,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E59:E62),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F59:F62),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},24,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E60:E63),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F60:F63),\"\")","v":0}]
[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":80},"Kontantlånsrenten pr. termin...........................................................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":1.0749999999999999E-2}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":40},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S204),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":1.0749999999999999E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"k"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret=2"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
["OBLIGATIONSLÅN",null,null,null,null,null,null,null,null,null,"AMORTISERET KOSTPRIS",null,null,null,"KONTANTLÅN",null,null,null,null,null,null,"AMORTISERET KOSTPRIS"]
[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"kontantlån"},null,null,"Forpligtelse","Årlig"]
["T","forpligtelse","Afdrag","Rente","bidrag","før skat",null,"efter skat","før skat",null,"forpligtelse","(Effektiv","serings",null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat",null,"forpligtelse","Effektiv","serings",null,"Termin","Afdrag","Rente",{"$f":"IF(Amort=1,\"Adm.bidrag\",\"Amort. tillæg\")","v":"Adm.bidrag"},"Ydelse efter skat","primo","amortisering"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
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[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
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[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":5.0000000000000001E-3},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"k"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"kontantlån"},null,null,"Forpligtelse","Årlig"]
["T","forpligtelse","Afdrag","Rente","bidrag","før skat",null,"efter skat","før skat",null,"forpligtelse","(Effektiv","serings",null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat",null,"forpligtelse","Effektiv","serings",null,"Termin","Afdrag","Rente",{"$f":"IF(Amort=1,\"Adm.bidrag\",\"Amort. tillæg\")","v":"Adm.bidrag"},"Ydelse efter skat","primo","amortisering"]
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[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},22,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E58:E61),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F58:F61),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},23,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E59:E62),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F59:F62),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},24,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E60:E63),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F60:F63),\"\")","v":0}]
[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Annuitetsydelse pr. termin ved kontantlån ex. adm.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":5.0000000000000001E-3},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"Obligationslån"},null,null,"Forpligtelse","Årlig"]
["T","forpligtelse","Afdrag","Rente","bidrag","før skat",null,"efter skat","før skat",null,"forpligtelse","(Effektiv","serings",null,"forpligtelse","Afdrag","Rente","bidrag","før skat","efter skat",null,"forpligtelse","Effektiv","serings",null,"Termin","Afdrag","Rente",{"$f":"IF(Amort=1,\"Adm.bidrag\",\"Amort. tillæg\")","v":"Adm.bidrag"},"Ydelse efter skat","primo","amortisering"]
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[7,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,7,0,0,0,0,0]
[8,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,8,0,0,0,0,0,{"$f":"SUM(AC89:AC92)","v":0}]
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[10,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,10,0,0,0,0,0]
[11,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,11,0,0,0,0,0]
[12,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,12,0,0,0,0,0,{"$f":"SUM(AC93:AC96)","v":0}]
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[14,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,14,0,0,0,0,0]
[15,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,15,0,0,0,0,0]
[16,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,16,0,0,0,0,0,{"$f":"SUM(AC97:AC100)","v":0}]
[17,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,17,0,0,0,0,0]
[18,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,18,0,0,0,0,0]
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[28,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,28,0,0,0,0,0]
[29,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,29,0,0,0,0,0]
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[null,{"$f":"IF($H$8=2,\"_______________\",\"\")","v":""},14,0,0,0,null,{"$f":"IF($H$8=2,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=2,SUM(E50:E53),\"\")","v":""},{"$f":"IF($H$8=2,SUM(F50:F53),\"\")","v":""}]
[null,{"$f":"IF($H$8=3,\"__________________\",\"\")","v":""},15,0,0,0,null,{"$f":"IF($H$8=3,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=3,SUM(E51:E54),\"\")","v":""},{"$f":"IF($H$8=3,SUM(F51:F54),\"\")","v":""}]
[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},16,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E52:E55),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F52:F55),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},17,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E53:E56),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F53:F56),\"\")","v":""}]
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[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},20,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E56:E59),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F56:F59),\"\")","v":0}]
[null,{"$f":"IF($H$8=1,\"_______________\",\"\")","v":""},21,0,0,0,null,{"$f":"IF($H$8=1,\">årlig sum>\",\"\")","v":""},{"$f":"IF($H$8=1,SUM(E57:E60),\"\")","v":""},{"$f":"IF($H$8=1,SUM(F57:F60),\"\")","v":""}]
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[null,{"$f":"IF($H$8=4,\"___________________\",\"\")","v":"___________________"},24,0,0,0,null,{"$f":"IF($H$8=4,\">årlig sum>\",\"\")","v":">årlig sum>"},{"$f":"IF($H$8=4,SUM(E60:E63),\"\")","v":0},{"$f":"IF($H$8=4,SUM(F60:F63),\"\")","v":0}]
[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":5.0000000000000001E-3},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":1.2500000000000001E-2},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,"Kurtage  0,15 % af kontantværdi (min 175), kr...............................................",null,null,{"$f":"IF(I31*KurtageUnderSats<KurtageMinSats,KurtageMinSats,I31*KurtageUnderSats)","v":175},"Stempelberegning realkredit, opr...........................................................",null,null,{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I29*Stempel,100))","v":0},{"$f":"IF(ISNUMBER('Omk. & restfinans'!E19),0,CEILING(I31*Stempel,100))","v":0}]
[null,"Kurtage dog minimum kr.……………………………",null,null,{"$f":"KurtageMinSats","v":175},"Indskud realkredit.(min. 10.000).........................................................",null,null,{"$f":"IF(ISNUMBER($G$32),$G$32*I29,IF('Omk. & restfinans'!$E$16>0,I29*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I29<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I29)))","v":10000},{"$f":"IF(ISNUMBER($G$32),$G$32*I31,IF('Omk. & restfinans'!$E$16>0,I31*'Omk. & restfinans'!$F$16,IF(StiftelsesprovisionSats*I31<MinStiftelse,MinStiftelse,StiftelsesprovisionSats*I31)))","v":10000}]
[null,"Standard indskud………………………………",null,null,{"$f":"IF(H2=\"o\",I29*StiftelsesprovisionSats,I31*StiftelsesprovisionSats)","v":0},"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + I30*-1","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
[null,null,null,null,null,null,null,null,null,null,"OBLIGATIONSLÅN ",null,null,null,null,null,null,null,null,null,null,"KONTANTLÅN "]
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[null,"Nominel",null,"Nominel","Adm.-","Ydelse ",null,"Ydelse","rente+afdrag",null,"Amortiseret","Rente i alt","Amorti-",null,"Nominel","Nominel","Nominel","Adm.-","Ydelse ","Ydelse",null,"Amortiseret","Amort","Amorti-",null,"DIAGRAMDATA",{"$f":"IF(Amort=1,\"\",\"Amort.\")","v":""},{"$f":"IF($H$2=\"k\",\"kontantlån\",\"Obligationslån\")","v":"Obligationslån"},null,null,"Forpligtelse","Årlig"]
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[8,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,8,0,0,0,0,0,{"$f":"SUM(AC89:AC92)","v":0}]
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[16,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,16,0,0,0,0,0,{"$f":"SUM(AC97:AC100)","v":0}]
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[18,0,0,0,0,0,null,0,0,null,0,0,0,null,0,0,0,0,0,0,null,0,0,0,null,18,0,0,0,0,0]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":40},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":40},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":1.7500000000000002E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":40},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":40},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":2.5000000000000001E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
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[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":60},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":60},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":1.7500000000000002E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
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[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":0},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":0},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":120},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":120},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":0},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,null,null,{"$f":"IF(H5>30,\"Grafikken viser kun de første 30 år af ydelsen\",\"\")","v":""},null,null,null,{"$f":"IF(ISBLANK(G6),Finansplan!P34,G6)","v":0},"  års afdragsfrihed"]
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[null,"Effektiv rente før skat",null,{"$f":"IF($H$2=\"k\",J70,I70)","v":0},"Nuværdi ydelser",{"$f":"IF(H2=\"o\",I79,J79)","v":0},null,{"$f":"IF(ISBLANK(G9),Finansplan!I2,G9)","v":0.4},"  skatteprocent"]
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[null,"B E R E G N I N G    A F   Y D E L S E,   I N T E R N   R E N T E ,  N U T I D S V Æ R D I   O G   A M O R T I S E R I N G "]
[null,"Løbetid ialt i antal terminer................................................................",null,null,{"$f":"H5*4","v":40},"Ydelse pr. termin ved kontantlån.......................................",null,null,null,{"$f":"PMT(J66,E66,I31)*-1","v":0}]
[null,"Afdragsterminer (min 1)................................................................",null,null,{"$f":"IF((H5-H6)*4<1,1,(H5-H6)*4)","v":40},"Kontantlånsrenten pr. termin..........................................",null,null,null,{"$f":"IF(P7=1,H7/4,IF(I84=0,0,IRR(I84:I284)))","v":0}]
[null,"Afdrag efter termin...............................................................",null,null,{"$f":"E65-E66","v":0},"Hovedstol, der skal afdrages..........................................",null,null,null,{"$f":"IF($H$2=\"k\",I31,I29)","v":0}]
[null,"Afdrag pr. termin, hvis serielån...............................................................",null,null,{"$f":"J67/E66","v":0},null,null,null,"Obligation","Kontant"]
[null,"Afdrag pr. termin, hvis serielån amort. kostpris………………………………..",null,null,{"$f":"H84*-1/E66","v":0},"Eff. rente/termin..........................................................",null,null,{"$f":"IF(H4>0,IRR(F84:F284),0)","v":0},{"$f":"IF(H4>0,IRR(S84:S284),0)","v":0}]
[null,"Rente % pr. termin................................................",null,null,{"$f":"H7/4","v":2.2499999999999999E-2},"Eff. rente p.a..........................................................",null,null,{"$f":"((1+I69)^4-1)","v":0},{"$f":"((1+J69)^4-1)","v":0}]
[null,"Annuitetsydelse pr. termin ex adm.................................",null,null,{"$f":"PMT(E70,E66,I29)*-1","v":0},"Eff. rente/termin efter skat...........................................................",null,null,{"$f":"IF(H4>0,IRR(H84:H204),0)","v":0},{"$f":"IF(H4>0,IRR(T84:T204),0)","v":0}]
[null,"Adm.-bidrag beregnes af restgælden årligt.........",null,null,{"$f":"H10","v":0},"Eff. rente p.a. efter skat...........................................................",null,null,{"$f":"((1+I71)^4-1)","v":0},{"$f":"((1+J71)^4-1)","v":0}]
[null,null,null,null,null,"Stempelberegning pantebrev, opr...........................................................",null,null,{"$f":"CEILING(I29*Stempel,100)","v":0},{"$f":"CEILING(I31*Stempel,100)","v":0}]
[]
[null,null,null,null,null,"Amortiseringstillæg i alt…………………………",null,null,{"$f":"H37 + (I31/D31*100)-I31","v":0},{"$f":"H37","v":0}]
[null,"Standard stempel………………………………..",null,null,{"$f":"CEILING(IF(H2=\"o\",I29*Stempel,I31*Stempel),100)","v":0},"Tildelt amortiseringstillæg i alt………….",null,null,{"$f":"SUM(M85:M284)","v":0},{"$f":"SUM(X85:X284)","v":0}]
[null,null,null,null,null,null,null,null,"Obligation","Kontant"]
[null,"Kalkulationsrenten pr. termin (beregnet på grundlag af kalkulationsrenten p.a. fra arket Finansplan)………………………………………………………………………….",null,null,null,null,null,null,{"$f":"KRenteTermin","v":1.2272234429039353E-2},{"$f":"KRenteTermin","v":1.2272234429039353E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"H2","v":"o"}," kontant/obl"]
[null,"Nutidsværdi af ydelserne ved kalkulationsrenten pr. termin...................................................................................",null,null,null,null,null,null,{"$f":"NPV(KRenteTermin,F85:F205)","v":0},{"$f":"NPV(KRenteTermin,S85:S205)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Amort","v":1},"amortiseret"]
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[null,"Vurdering, investering og merværdi",null,null,null,null,null,null,null,"Ejendom",null,{"$f":"Finansplan!E2","v":0}]
[null,"Investeringen foretages ",null,null,6," terminer efter overtagelse",null,null,null,"Alternativ",null,{"$f":"Finansplan!E3","v":0}]
[null,"Realkreditafdrag",null,null,{"$f":"VLOOKUP($E$2,Finansplan!$AC$113:$AR$243,14)","v":0}," år til dato",null,null,null,"Navn",null,{"$f":"Finansplan!E4","v":0}]
[]
[null,"Realkredit - vurdering fra ejerskifte",null,null,null,null,null,null,"Investering",null,null,"Merværdi",null,"Realkredit - vurdering incl merværdi"]
[null,"Fast ejendom",null,"inkl. staldinventar og driftsbeholdninger",null,null,{"$f":"Finansplan!N6","v":0},null,"Fast ejendom/bygn.",null,null,0.75,{"$f":"K6*L6","v":0},"Fast ejendom",null,null,{"$f":"G6+M6+M9","v":0}," inkl. staldinventar"]
[null,"Besætning",null,null,null,null,{"$f":"Finansplan!N7","v":0},null,"Besætning",null,null,1,0,"Besætning",null,null,{"$f":"G7+M7","v":0}]
[null,"Maskiner",null,"ekskl. staldinventar",null,null,{"$f":"Finansplan!N8","v":0},null,"Maskiner",null,null,0.5,0,"Maskiner",null,null,{"$f":"G8+M8","v":0}," ekskl. staldinventar"]
[null,"Rettigheder",null,null,null,null,{"$f":"Finansplan!N9","v":0},null,"Staldinventar",null,null,0.75,0,"Rettigheder",null,null,{"$f":"-G11+M10+M11","v":0}," betalings- og leveringsrettigheder"]
[null,"I alt vurdering af den kontante handelsværdi",null,null,null,null,{"$f":"SUM(G6:G9)","v":0},null,"Leveringsrettigheder",null,null,1,0,"I alt vurdering af den kontante handelsværdi",null,null,{"$f":"SUM(Q6:Q9)","v":0}," =  Vurdering kontantpris"]
[null,"Reduktion for rettigheder",null,null,null,null,{"$f":"Finansplan!N11","v":0},null,"Andre rettigheder",null,null,1,0,"Reduktion for rettigheder",null,null,{"$f":"G11-M11-M10","v":0}," - rettigheder"]
[null,"Reduktion for rullende materiel, SDO/SDRO",null,null,null,null,{"$f":"Finansplan!N12","v":0},null,"Beholdninger",null,null,0,0,"Rullende materiel, SDO/SDRO",null,null,{"$f":"G12-M8","v":0}," - maskiner medtages ikke ved SDO"]
[null,"Værdiansættelse belåningsværdi, SDO",null,null,null,null,{"$f":"Finansplan!N13","v":0},null,"I alt kontant",null,{"$f":"SUM(K6:K12)","v":0},null,{"$f":"SUM(M6:M11)","v":0},"Værdiansættelse SDO",null,null,{"$f":"SUM(Q10:Q12)","v":0}," = belåningsværdi før løsøre tjek"]
[null,"Fast ejendom + 30 %",null,null,null,null,{"$f":"Finansplan!N14","v":0},null,"Indkøringstab",null,null,0,{"$f":"K14*L14","v":0},"Fast ejendom + 30 %",null,null,{"$f":"Q6*1.3","v":0},"beregning af løsørereduktion"]
[null,"Realkredit belåningsværdi evt. løsørereduktion",null,null,null,null,{"$f":"Finansplan!N15","v":0},null,"Likviditetsbehov *",null,{"$f":"K13+K14","v":0},null,{"$f":"M13+M14","v":0},"Realkredit belåningsværdi evt. løsørereduktion",null,null,{"$f":"IF(Q14<Q13,Q14,Q13)","v":0},"den mindste af de to ovenfor"]
[null,"Finansieringsplan - med nye supplerende lån",null,null,null,null,null,null,null,null,{"$f":"IF(Real1!P11=0,\"\",\"Der er manuel korrektion på enkeltlån\")","v":""}]
[null,"Realkredit",null,null,null,"korr"]
[null,"Låne grænse ",0.7,"af",{"$f":"Q15","v":0},null,{"$f":"IF(ISBLANK(F18),IF(C18<=0.7,E18*C18,E18*0.7),F18)","v":0}]
[null,"Eksisterende realkredit, kontantværdi",null,null,null,null,{"$f":"(Finansplan!G43-Supplerende!E3)*-1","v":0},null,"Realkredit fra ejerskifte minus de præsterede afdrag år til dato"]
[null,"Plads til ny realkredit indenfor lånegrænse",null,null,null,null,{"$f":"G18+G19","v":0},null,null,null,null,null,null,null,"Afdragsfrie","Før skat","Efter skat"]
[null,"Lån",null,null,"Fordelings pct.",null,"Kontant","Kontant plads","Hovedstol","o/k","Kurs","Rente","Adm.bidrag","Løbetid","år","eff. rente","eff. rente"]
[null,"F5 30 år",null,null,{"$f":"1-E23-E24-E25","v":1},null,{"$f":"IF(J22=\"k\",I22,I22*K22/100)","v":0},{"$f":"$G$20*E22","v":0},{"$f":"IF(K22=\"o\",ROUND(H22/K22/10,0)*1000,ROUND(H22,-3))","v":0},"k",100,3.22,1.2E-2,30,0]
[null,"Fastforrentet",null,null,0,null,{"$f":"IF(J23=\"k\",I23,I23*K23/100)","v":0},{"$f":"$G$20*E23","v":0},{"$f":"IF(K23=\"o\",ROUND(H23/K23/10,0)*1000,ROUND(H23,-3))","v":0},"o",98,5,1.2500000000000001E-2,30,0]
[null,null,null,null,0,null,0,0,0,"k",97,2.9,1.2500000000000001E-2,30,0]
[null,"Flex lån",null,null,0,null,0,0,0,"k",97,2.9,1.2500000000000001E-2,30,0]
[null,"I alt ",null,null,{"$f":"SUM(E22:E25)","v":1},null,{"$f":"SUM(G22:G25)","v":0},{"$f":"SUM(H22:H25)","v":0},null,null,"Supplerende lån skal laves manuelt og nøgletal indtastes her"]
[null,"Banklån",null,null,null,null,null,null,null,null,"Annu/Serie",null,null,null,null,"Før skat","Efter skat"]
[null,null,null,null,null,"korr","Kontant",null,"Hovedstol",null,"a eller s","Rente",null,"Løbetid",null,"eff. rente","eff. rente"]
[null,{"$f":"IF(K29=\"s\",\"Serielån\",\"Annuitetslån\")","v":"Annuitetslån"},null,null,null,null,{"$f":"I29","v":0},{"$f":"IF(ISBLANK(F29),IF(-G36-G37>0,-G36-G37,0),F29)","v":0},{"$f":"TRUNC(H29/1000,0)*1000","v":0},null,"a",7]
[null,null,null,null,null,null,null,null,null,null,"Annu/Serie",null,null,null,null,"Før skat","Efter skat"]
[null,null,null,null,null,"korr","Kontant",null,"Hovedstol",null,"a eller s","Rente",null,"Løbetid",null,"eff. rente","eff. rente"]
[null,{"$f":"IF(K32=\"s\",\"Serielån\",\"Annuitetslån\")","v":"Annuitetslån"},null,null,null,null,{"$f":"I32","v":0},{"$f":"IF(ISBLANK(F32),0,F32)","v":0},{"$f":"ROUND(H32/1000,0)*1000","v":0},null,"a",7]
[null,"Afstemning",null,null,null,null,null,null,null,null,null,null,null,"Investering",null,null,"Investering",null,{"$f":"TRUNC(($I$40/$Q$41*(Q34+Q36+Q37+Q38+Q39))/1000,0)*1000","v":{"$error":"#DIV/0!"}},"Beregnet sum af aktiverede omk."]
[null," - likviditetsbehov til investeringen",null,null,null,null,{"$f":"-K15","v":0},null,"summen af al kapitalbinding i investeringen *",null,null,null,null,"Jord/bygninger",null,null,{"$f":"K6","v":0},null,{"$f":"IF(T34=$T$44,$S$33-$T$41,0)","v":{"$error":"#DIV/0!"}},{"$f":"TRUNC(($I$40/$Q$41*Q34)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," - stiftelsesomkostninger, nye lån",null,null,null,null,{"$f":"-I40","v":0},null,"stiftelsesomkostninger vedr. nye lån indtastet nedenfor",null,null,null,null,"Besætning",null,null,0,null,{"$f":"IF(T35=$T$44,$S$33-$T$41,0)","v":{"$error":"#DIV/0!"}},0]
[null," = likviditetsbehov i alt",null,null,null,null,{"$f":"G34+G35","v":0},null,"Stiftelsesomk.",null,null,null,null,"Maskiner",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q36)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," + nyt realkredit",null,null,null,null,{"$f":"G26","v":0},null,null,null,null,null,null,"Staldinventar",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q37)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," + bank 3",null,null,null,null,{"$f":"G29","v":0},null,null,null,null,null,null,"Mælkekvote",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q38)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," + bank 4",null,null,null,null,{"$f":"G32","v":0},null,null,null,null,null,null,"Betalingsrettigheder*",null,null,0,null,{"$error":"#DIV/0!"},{"$f":"TRUNC(($I$40/$Q$41*Q39)/1000,0)*1000","v":{"$error":"#DIV/0!"}}]
[null," =egenfinansieringen (kassekredit)",null,null,null,null,{"$f":"G36+G37+G38+G39","v":0},null,{"$f":"ROUND(SUM(I37:I39)/1000,0)*1000","v":0},"afrundet til hele tusinder",null,null,null,"Beholdninger",null,null,0,null,{"$error":"#DIV/0!"},0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"I alt",null,null,{"$f":"SUM(Q34:Q40)","v":0},null,null,{"$f":"SUM(T34:T40)","v":{"$error":"#DIV/0!"}},"Sum umiddelbart aktiverede"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Prioritetsomkostninger",null,null,{"$f":"I40","v":0}]
[null,{"$f":"Finansplan!R59","v":"© CHA 29.02.2024"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(T34:T40)","v":{"$error":"#DIV/0!"}},"Maks Største af de aktiverede"]