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{"sheet":"Calculator","index":0,"n_rows":73,"n_cols":13,"rows_kept":73,"cut":false,"hidden":false,"merged":[[69,1,70,12],[6,5,6,8],[5,5,5,8],[67,5,67,9],[65,5,65,9],[50,1,50,4],[23,5,23,11],[22,5,22,11],[7,1,7,12],[8,1,8,12],[13,6,13,9],[15,6,15,9],[17,6,17,9],[47,1,47,5],[61,1,61,3],[62,2,62,6],[62,8,62,11],[61,5,61,6]]}
[]
[]
[]
[]
[]
[null,null,null,null,null,"Mortgage Credit Certificate (MCC)"]
[null,null,null,null,null,"Potential Savings Calculator"]
[null,"This worksheet provides an estimate only of the potential MCC credit amount.  The calculation is based on the terms of the loan, and the actual credit amount a borrower receives depends upon their federal tax liability and other factors."]
[null,"Please consult a tax professional."]
[]
[null,"I. Would my borrower likely benefit from an MCC?"]
[null,"Borrowers must have federal income tax liability to save money with the tax credit. Use the tool below to find their tax liability last year."]
[]
[null,"Most recent tax return year:"]
[]
[null,"What Federal Income Tax Form did they file?"]
[]
[null,{"$f":"IF(ISNA('Lookups and Dropdowns'!B8)=TRUE,\"Total tax reported on line \",\"Total tax reported on line\"&\" \"&'Lookups and Dropdowns'!B8)","v":"Total tax reported on line "},null,null,null,null,null,null,null,null,"(Tax Liability)"]
[]
[null,"What does this number tell me?"]
[null,"●  Large number (tax liability): ",null,null,null,"Dollar-for-dollar reduction by tax credit amount up to $2,000, and likely a fit for MCC"]
[]
[null,"●  Zero or very small (tax liability):",null,null,null,"Little or no potential tax savings and likely a better fit for Start Up "]
[null,null,null,null,null,"(unless tax circumstances likely to change – see example)"]
[null,"Your borrower may still be a good MCC candidate if they are expecting their income to increase significantly."]
[]
[null,"II. MCC Tax Credit Amount"]
[]
[null,"First mortgage loan amount:",null,null,null,null,0]
[]
[null,"Loan amount of Monthly Payment Loan",null,null,null,null,0]
[null,"Deferred Payment Loan is not available with MCC"]
[]
[null,"Interest rate:"]
[]
[null,"Loan term (in years):"]
[]
[null,"First Payment Date (mm/dd/yy):"]
[]
[null,"Number of payments this year:",null,null,null,null,{"$f":"'TEST formulas'!F3","v":12}]
[]
[null,"Estimated first year's interest:",null,null,null,null,{"$f":"EFYI","v":""}]
[]
[null,"MCC credit rate:",null,null,null,null,0.25]
[null,"Tax credit amount:",null,null,null,null,{"$f":"IFERROR(G42*G44,\"\")","v":""}]
[]
[null,"TAX CREDIT:",null,null,null,null,"Tax Credit Amount",null,"Estimated Tax Savings based on last year's tax liability"]
[null,"Estimated tax credit for next year's taxes:",null,null,null,null,{"$f":"IFERROR(IF((G42*G44)>2000,2000,(G42*G44)),\"-\")","v":"-"},null,{"$f":"IFERROR(IF(G48<G18,G48,G18),\"-\")","v":0}]
[null,"Maximum tax credit amount is capped at $2,000.00"]
[]
[null,"Estimated tax credit based on full 12 months homeownership",null,null,null,null,{"$f":"IFERROR(IF('TEST formulas'!F14*G44<2000,'TEST formulas'!F14*G44,2000),\"-\")","v":"-"},null,{"$f":"IFERROR(IF(G18<G51,G18,G51),\"-\")","v":0}]
[]
[null,"Future Years Estimated tax credit amount:",null,null,null,null,"Tax Credit Amount",null,"Cumulative Savings"]
[null,null,null,null,null,"Year 2",{"$f":"'TEST formulas'!S3","v":"-"},null,{"$f":"'TEST formulas'!T3","v":"-"}]
[null,null,null,null,null,"Year 3",{"$f":"'TEST formulas'!S4","v":"-"},null,{"$f":"'TEST formulas'!T4","v":"-"}]
[null,null,null,null,null,"Year 4",{"$f":"'TEST formulas'!S5","v":"-"},null,{"$f":"'TEST formulas'!T5","v":"-"}]
[null,null,null,null,null,"Year 5",{"$f":"'TEST formulas'!S6","v":"-"},null,{"$f":"'TEST formulas'!T6","v":"-"}]
[null,null,null,null,null,"Year 7",{"$f":"'TEST formulas'!S8","v":"-"},null,{"$f":"'TEST formulas'!T8","v":"-"}]
[null,null,null,null,null,"Year 10",{"$f":"'TEST formulas'!S11","v":"-"},null,{"$f":"'TEST formulas'!T11","v":"-"}]
[null,null,null,null,null,"Year 30",{"$f":"'TEST formulas'!S31","v":"-"},null,{"$f":"'TEST formulas'!T31","v":"-"}]
[]
[null,"Effective interest rate*",null,null,null,{"$f":"IF(Rate=\"\",\"\",'TEST formulas'!F11)","v":""}]
[null,null,"*Net cost of the interest as expressed as an annual rate, assuming all potential tax savings are realized.",null,null,null,null,null,"Refresh if any terms change"]
[]
[]
[]
[]
[null,null,null,null,null,"MCC Selling Tips"]
[]
[null,"DISCLAIMER: All figures are estimates. Tax savings will vary based on individual tax circumstances. "]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"2017-09-01"]

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[]
[null,"LOAN TERMS:"]
[null,"First Mortgage Loan Amount",null,"Loan Amount of Monthly Payment Loan",null,"Interest Rate",null,"Loan Term (in years)",null,"First Payment Date (mm/dd/yy)"]
[]
[null,{"$f":"Calculator!G29","v":0},null,{"$f":"Calculator!G31","v":0},null,{"$f":"Calculator!G34","v":0},null,{"$f":"Calculator!G36","v":0},null,{"$f":"Calculator!G38","v":"00:00:00"}]
[]
[null,null,"FIRST MORTGAGE",null,null,null,null,"DPA LOAN","POTENTIAL TAX SAVINGS"]
[null,"Year","Beginning Balance","Principal","Interest","Payment","Ending Balance","MPL Interest","MCC Savings","MCC Cumulative Savings"]
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[null,{"$f":"B36+1","v":29},{"$f":"'TEST formulas'!I30","v":"-"},{"$f":"'TEST formulas'!N30","v":"-"},{"$f":"'TEST formulas'!O30","v":"-"},{"$f":"'TEST formulas'!Q30","v":"-"},{"$f":"'TEST formulas'!R30","v":"-"},{"$f":"'TEST formulas'!X30","v":"-"},{"$f":"'TEST formulas'!S30","v":"-"},{"$f":"'TEST formulas'!T30","v":"-"}]
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[]
[null,"LOAN SUMMARY:"]
[null,"First Mortgage Monthly Payment",null,"Total First Mortgage Principal ",null,"Total First Mortgage Interest",null,"Total First Mortgage Payments",null,"Total Potential             Tax Savings"]
[]
[null,{"$f":"'TEST formulas'!F15","v":""},null,{"$f":"'TEST formulas'!N33","v":0},null,{"$f":"'TEST formulas'!O33","v":0},null,{"$f":"'TEST formulas'!Q33","v":0},null,{"$f":"'TEST formulas'!T33","v":0}]

{"sheet":"Lookups and Dropdowns","index":2,"n_rows":25,"n_cols":4,"rows_kept":25,"cut":false,"hidden":true,"merged":[]}
[null,"1040A","1040EZ",1040]
[2013,35,10,61]
[2014,39,12,63]
[2015,46,12,63]
[]
["Year",{"$f":"Calculator!G14","v":0}]
["Form",{"$f":"Calculator!G16","v":0}]
["Line",{"$f":"INDEX($A$1:$D$4,MATCH(B6,$A$1:$A$4,),MATCH(B7,$A$1:$D$1,))","v":{"$error":"#N/A"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["dd_form","dd_year","dd_year"]
["Select Form","Select Year","Select Loan Term"]
["1040A",2013,15]
["1040EZ",2014,30]
[1040,2015]
[null,2016]
[null,2017]

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["Year","Calculating Dates","Date","Payment #",null,null,null,"Year","Beginning Balance","First Payment Date of Year","First Payment #","Final Payment Date of Year","Final Payment of Year #","Cumulative Principal","Cumulative Interest","Cumulative Interest (First Mtg +DPA)","Total Paid (1st Only)","Ending Balance (1st Only)","MCC Savings","Cumulative MCC Savings","Effective Tax Burden By Year","DPA Beginning Balance","DPA Cumulative Principal","DPA Cumulative Interest","DPA Total Paid","DPA Ending Balance"]
[1,"First Payment Date",{"$f":"F4","v":"00:00:00"},1,"# of months until end of year",{"$f":"12-MONTH(F4)","v":11},null,1,{"$f":"$F$8","v":0},{"$f":"F4","v":"00:00:00"},1,{"$f":"DATE(YEAR(J2),MONTH(J2)+F2,DAY(J2))","v":"1900-11-30"},{"$f":"IFERROR(DATEDIF(J2,L2,\"m\")+K2,\"-\")","v":11},{"$f":"IFERROR(CUMPRINC($F$7/12,$F$5,$F$8,K2,M2,0)*-1,\"-\")","v":"-"},{"$f":"IFERROR(CUMIPMT($F$7/12,$F$5,$F$8,K2,M2,0)*-1,\"-\")","v":"-"},{"$f":"IF(OR(X2=\"\",X2=0,X2=\"-\"),O2,IF(X2>0,O2+X2,\"\"))","v":"-"},{"$f":"IFERROR(N2+O2,\"-\")","v":"-"},{"$f":"IFERROR(I2-N2,\"-\")","v":"-"},{"$f":"IFERROR(IF(P2*Calculator!$G$44<2000,P2*Calculator!$G$44,2000),\"-\")","v":"-"},{"$f":"S2","v":"-"},{"$f":"IFERROR(P2-S2,\"-\")","v":"-"},{"$f":"IFERROR(DPA,\"-\")","v":0},{"$f":"IFERROR(CUMPRINC(Rate/12,120,DPA,K2,M2,0)*-1,\"-\")","v":"-"},{"$f":"IFERROR(CUMIPMT(Rate/12,120,DPA,K2,M2,0)*-1,\"-\")","v":"-"},{"$f":"IFERROR(W2+X2,\"-\")","v":"-"},{"$f":"IFERROR(V2-W2,0)","v":0}]
[null,"Last Payment Date in That Year",{"$f":"DATE(YEAR(C2),MONTH(C2)+F2,DAY(C2))","v":"1900-11-30"},{"$f":"D2+DATEDIF(C2,C3,\"m\")","v":11},"# of payments left in the year",{"$f":"13-MONTH(F4)","v":12},null,2,{"$f":"IF(R2>0,IFERROR(R2,\"-\"),\"-\")","v":"-"},{"$f":"IF(L2=\"\",\"\",IF(DATE(YEAR(L2),MONTH(L2)+1,DAY(L2))<=$F$6,DATE(YEAR(L2),MONTH(L2)+1,DAY(L2)),IF(DATE(YEAR(L2),MONTH(L2)+1,DAY(L2))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$f":"IFERROR(DATEDIF(L2,J3,\"m\")+M2,\"-\")","v":"-"},{"$f":"IF(J3=\"\",\"\",IF(DATE(YEAR(J3),MONTH(J3)+11,DAY(J3))<$F$6,DATE(YEAR(J3),MONTH(J3)+11,DAY(J3)),IF(DATE(YEAR(J3),MONTH(J3)+11,DAY(J3))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$f":"IFERROR(DATEDIF(J3,L3,\"m\")+K3,\"-\")","v":"-"},"-",{"$f":"IFERROR(CUMIPMT($F$7/12,$F$5,$F$8,K3,M3,0)*-1,\"-\")","v":"-"},{"$f":"IF(OR(X3=\"\",X3=0,X3=\"-\"),O3,IF(X3>0,O3+X3,\"\"))","v":"-"},{"$f":"IFERROR(N3+O3,\"-\")","v":"-"},{"$f":"IFERROR(I3-N3,\"-\")","v":"-"},{"$f":"IFERROR(IF(P3*Calculator!$G$44<2000,P3*Calculator!$G$44,2000),\"-\")","v":"-"},{"$f":"IFERROR(T2+S3,\"-\")","v":"-"},{"$f":"IFERROR(P3-S3,\"-\")","v":"-"},{"$f":"IFERROR(Z2,\"-\")","v":0},"-","-",{"$f":"IFERROR(W3+X3,\"-\")","v":"-"},0]
[2,"First Payment Date of the Year",{"$f":"IF(C3=\"\",\"\",IF(DATE(YEAR(C3),MONTH(C3)+1,DAY(C3))<=$F$6,DATE(YEAR(C3),MONTH(C3)+1,DAY(C3)),IF(DATE(YEAR(C3),MONTH(C3)+1,DAY(C3))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$f":"D3+DATEDIF(C3,C4,\"m\")","v":{"$error":"#NUM!"}},"First Payment Date",{"$f":"FPD","v":"00:00:00"},null,3,{"$f":"IF(R3>0,IFERROR(R3,\"-\"),\"-\")","v":"-"},{"$error":"#NUM!"},{"$f":"IFERROR(DATEDIF(L3,J4,\"m\")+M3,\"-\")","v":"-"},{"$error":"#NUM!"},"-","-","-","-",{"$f":"IFERROR(N4+O4,\"-\")","v":"-"},"-",{"$f":"IFERROR(IF(P4*Calculator!$G$44<2000,P4*Calculator!$G$44,2000),\"-\")","v":"-"},{"$f":"IFERROR(T3+S4,\"-\")","v":"-"},"-",{"$f":"IFERROR(Z3,\"-\")","v":0},"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C4=\"\",\"\",IF(DATE(YEAR(C4),MONTH(C4)+11,DAY(C4))<$F$6,DATE(YEAR(C4),MONTH(C4)+11,DAY(C4)),IF(DATE(YEAR(C4),MONTH(C4)+11,DAY(C4))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$f":"D4+DATEDIF(C4,C5,\"m\")","v":{"$error":"#NUM!"}},"Loan Term",{"$f":"Term*12","v":0},null,4,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P5*Calculator!$G$44<2000,P5*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[3,"First Payment Date of the Year",{"$f":"IF(C5=\"\",\"\",IF(DATE(YEAR(C5),MONTH(C5)+1,DAY(C5))<=$F$6,DATE(YEAR(C5),MONTH(C5)+1,DAY(C5)),IF(DATE(YEAR(C5),MONTH(C5)+1,DAY(C5))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$f":"D5+DATEDIF(C5,C6,\"m\")","v":{"$error":"#NUM!"}},"Maturity Date",{"$f":"DATE(YEAR(F4),MONTH(F4) + (F5 - 1), DAY(F4))","v":{"$error":"#NUM!"}},null,5,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P6*Calculator!$G$44<2000,P6*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C6=\"\",\"\",IF(DATE(YEAR(C6),MONTH(C6)+11,DAY(C6))<$F$6,DATE(YEAR(C6),MONTH(C6)+11,DAY(C6)),IF(DATE(YEAR(C6),MONTH(C6)+11,DAY(C6))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Rate",{"$f":"Rate","v":0},null,6,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P7*Calculator!$G$44<2000,P7*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[4,"First Payment Date of the Year",{"$f":"IF(C7=\"\",\"\",IF(DATE(YEAR(C7),MONTH(C7)+1,DAY(C7))<=$F$6,DATE(YEAR(C7),MONTH(C7)+1,DAY(C7)),IF(DATE(YEAR(C7),MONTH(C7)+1,DAY(C7))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Loan Amount",{"$f":"FMA","v":0},null,7,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P8*Calculator!$G$44<2000,P8*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C8=\"\",\"\",IF(DATE(YEAR(C8),MONTH(C8)+11,DAY(C8))<$F$6,DATE(YEAR(C8),MONTH(C8)+11,DAY(C8)),IF(DATE(YEAR(C8),MONTH(C8)+11,DAY(C8))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"DPA Amount",{"$f":"DPA","v":0},null,8,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P9*Calculator!$G$44<2000,P9*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[5,"First Payment Date of the Year",{"$f":"IF(C9=\"\",\"\",IF(DATE(YEAR(C9),MONTH(C9)+1,DAY(C9))<=$F$6,DATE(YEAR(C9),MONTH(C9)+1,DAY(C9)),IF(DATE(YEAR(C9),MONTH(C9)+1,DAY(C9))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Effective Tax Burden Over 2nd Full Year of Payments",{"$f":"U33","v":0},null,9,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P10*Calculator!$G$44<2000,P10*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C10=\"\",\"\",IF(DATE(YEAR(C10),MONTH(C10)+11,DAY(C10))<$F$6,DATE(YEAR(C10),MONTH(C10)+11,DAY(C10)),IF(DATE(YEAR(C10),MONTH(C10)+11,DAY(C10))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Effective Interest Rate",3.03628043887673E-2,null,10,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P11*Calculator!$G$44<2000,P11*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[6,"First Payment Date of the Year",{"$f":"IF(C11=\"\",\"\",IF(DATE(YEAR(C11),MONTH(C11)+1,DAY(C11))<=$F$6,DATE(YEAR(C11),MONTH(C11)+1,DAY(C11)),IF(DATE(YEAR(C11),MONTH(C11)+1,DAY(C11))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Formula for Goal Seek",{"$f":"IF(F5=360,CUMIPMT(F11/12,F5,F8,1,360,0)*-1,IF(F5=180,CUMIPMT(F11/12,F5,F8,1,180,0)*-1,\"\"))","v":""},null,11,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P12*Calculator!$G$44<2000,P12*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C12=\"\",\"\",IF(DATE(YEAR(C12),MONTH(C12)+11,DAY(C12))<$F$6,DATE(YEAR(C12),MONTH(C12)+11,DAY(C12)),IF(DATE(YEAR(C12),MONTH(C12)+11,DAY(C12))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Estimated First Year's Interest Amount",{"$f":"IFERROR(IF(AND(Term=30,DPA>0),(CUMIPMT(Rate/12,Term*12,FMA,1,Calculator!$G$40,0)*-1)+(CUMIPMT(Rate/12,120,DPA,1,Calculator!$G$40,0)*-1),IF(AND(Term=30,OR(DPA=0,DPA=\"\")),(CUMIPMT(Rate/12,Term*12,FMA,1,Calculator!$G$40,0)*-1),IF(AND(Term=15,DPA>0),(CUMIPMT(Rate/12,Term*12,FMA,1,Calculator!$G$40,0)*-1)+(CUMIPMT(Rate/12,120,DPA,1,Calculator!$G$40,0)*-1),IF(AND(Term=15,OR(DPA=0,DPA=\"\")),(CUMIPMT(Rate/12,Term*12,FMA,1,Calculator!$G$40,0)*-1),\"\")))),\"-\")","v":""},null,12,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P13*Calculator!$G$44<2000,P13*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[7,"First Payment Date of the Year",{"$f":"IF(C13=\"\",\"\",IF(DATE(YEAR(C13),MONTH(C13)+1,DAY(C13))<=$F$6,DATE(YEAR(C13),MONTH(C13)+1,DAY(C13)),IF(DATE(YEAR(C13),MONTH(C13)+1,DAY(C13))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Estimated Second Year's Interest Amount",{"$f":"IFERROR(IF(AND(Term=30,DPA>0),(CUMIPMT(Rate/12,Term*12,FMA,NFYP+1,NFYP+12,0)*-1)+(CUMIPMT(Rate/12,120,DPA,NFYP+1,NFYP+12,0)*-1),IF(AND(Term=30,OR(DPA=0,DPA=\"\")),(CUMIPMT(Rate/12,Term*12,FMA,NFYP+1,NFYP+12,0)*-1),IF(AND(Term=15,DPA>0),(CUMIPMT(Rate/12,Term*12,FMA,NFYP+1,NFYP+12,0)*-1)+(CUMIPMT(Rate/12,120,DPA,NFYP+1,NFYP+12,0)*-1),IF(AND(Term=15,OR(DPA=0,DPA=\"\")),(CUMIPMT(Rate/12,Term*12,FMA,NFYP+1,NFYP+12,0)*-1),\"\")))),\"-\")","v":""},null,13,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P14*Calculator!$G$44<2000,P14*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C14=\"\",\"\",IF(DATE(YEAR(C14),MONTH(C14)+11,DAY(C14))<$F$6,DATE(YEAR(C14),MONTH(C14)+11,DAY(C14)),IF(DATE(YEAR(C14),MONTH(C14)+11,DAY(C14))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},"Monthly Payment",{"$f":"IF(F5=360,PMT(F7/12,360,F8)*-1,IF(F5=180,PMT(F7/12,180,F8)*-1,\"\"))","v":""},null,14,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P15*Calculator!$G$44<2000,P15*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[8,"First Payment Date of the Year",{"$f":"IF(C15=\"\",\"\",IF(DATE(YEAR(C15),MONTH(C15)+1,DAY(C15))<=$F$6,DATE(YEAR(C15),MONTH(C15)+1,DAY(C15)),IF(DATE(YEAR(C15),MONTH(C15)+1,DAY(C15))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,15,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P16*Calculator!$G$44<2000,P16*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C16=\"\",\"\",IF(DATE(YEAR(C16),MONTH(C16)+11,DAY(C16))<$F$6,DATE(YEAR(C16),MONTH(C16)+11,DAY(C16)),IF(DATE(YEAR(C16),MONTH(C16)+11,DAY(C16))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,{"$f":"CUMIPMT('TEST formulas'!F7/12,'TEST formulas'!F5,'TEST formulas'!F8,1,'TEST formulas'!F5,0)*-1","v":{"$error":"#NUM!"}},null,16,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P17*Calculator!$G$44<2000,P17*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[9,"First Payment Date of the Year",{"$f":"IF(C17=\"\",\"\",IF(DATE(YEAR(C17),MONTH(C17)+1,DAY(C17))<=$F$6,DATE(YEAR(C17),MONTH(C17)+1,DAY(C17)),IF(DATE(YEAR(C17),MONTH(C17)+1,DAY(C17))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,17,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P18*Calculator!$G$44<2000,P18*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C18=\"\",\"\",IF(DATE(YEAR(C18),MONTH(C18)+11,DAY(C18))<$F$6,DATE(YEAR(C18),MONTH(C18)+11,DAY(C18)),IF(DATE(YEAR(C18),MONTH(C18)+11,DAY(C18))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,18,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P19*Calculator!$G$44<2000,P19*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[10,"First Payment Date of the Year",{"$f":"IF(C19=\"\",\"\",IF(DATE(YEAR(C19),MONTH(C19)+1,DAY(C19))<=$F$6,DATE(YEAR(C19),MONTH(C19)+1,DAY(C19)),IF(DATE(YEAR(C19),MONTH(C19)+1,DAY(C19))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,19,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P20*Calculator!$G$44<2000,P20*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C20=\"\",\"\",IF(DATE(YEAR(C20),MONTH(C20)+11,DAY(C20))<$F$6,DATE(YEAR(C20),MONTH(C20)+11,DAY(C20)),IF(DATE(YEAR(C20),MONTH(C20)+11,DAY(C20))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,20,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P21*Calculator!$G$44<2000,P21*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[11,"First Payment Date of the Year",{"$f":"IF(C21=\"\",\"\",IF(DATE(YEAR(C21),MONTH(C21)+1,DAY(C21))<=$F$6,DATE(YEAR(C21),MONTH(C21)+1,DAY(C21)),IF(DATE(YEAR(C21),MONTH(C21)+1,DAY(C21))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,21,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P22*Calculator!$G$44<2000,P22*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C22=\"\",\"\",IF(DATE(YEAR(C22),MONTH(C22)+11,DAY(C22))<$F$6,DATE(YEAR(C22),MONTH(C22)+11,DAY(C22)),IF(DATE(YEAR(C22),MONTH(C22)+11,DAY(C22))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,22,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P23*Calculator!$G$44<2000,P23*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[12,"First Payment Date of the Year",{"$f":"IF(C23=\"\",\"\",IF(DATE(YEAR(C23),MONTH(C23)+1,DAY(C23))<=$F$6,DATE(YEAR(C23),MONTH(C23)+1,DAY(C23)),IF(DATE(YEAR(C23),MONTH(C23)+1,DAY(C23))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,23,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P24*Calculator!$G$44<2000,P24*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[null,"Last Payment Date in That Year",{"$f":"IF(C24=\"\",\"\",IF(DATE(YEAR(C24),MONTH(C24)+11,DAY(C24))<$F$6,DATE(YEAR(C24),MONTH(C24)+11,DAY(C24)),IF(DATE(YEAR(C24),MONTH(C24)+11,DAY(C24))>=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,24,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P25*Calculator!$G$44<2000,P25*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
[13,"First Payment Date of the Year",{"$f":"IF(C25=\"\",\"\",IF(DATE(YEAR(C25),MONTH(C25)+1,DAY(C25))<=$F$6,DATE(YEAR(C25),MONTH(C25)+1,DAY(C25)),IF(DATE(YEAR(C25),MONTH(C25)+1,DAY(C25))=$F$6,$F$6,\"\")))","v":{"$error":"#NUM!"}},{"$error":"#NUM!"},null,null,null,25,"-",{"$error":"#NUM!"},"-",{"$error":"#NUM!"},"-","-","-","-","-","-",{"$f":"IFERROR(IF(P26*Calculator!$G$44<2000,P26*Calculator!$G$44,2000),\"-\")","v":"-"},"-","-",0,"-","-","-",0]
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