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{"sheet":"Расчет суммы (корректировка РМ)","index":0,"n_rows":15,"n_cols":11,"rows_kept":15,"cut":false,"hidden":true,"merged":[[3,0,3,1],[4,0,4,1],[5,0,5,1],[7,0,7,2],[14,0,14,1],[9,0,9,1],[11,0,11,1],[10,0,10,1],[12,0,12,1],[6,0,6,1]]}
[]
[null,{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
["Общая сумма кредита утвержденная РМ (ИТОГО)",null,0,null,null,null,null,"Тип","Название СК","коэф.","Знач"]
["Новая сумма клиенту                                            ",null,{"$f":"IFERROR(MROUND(C4/K5,100),\"\")","v":""},null,null,null,"Cтраховка",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"(J5/1)+1","v":{"$error":"#REF!"}}]
["Новая сумма страховой организации ",null,{"$f":"IFERROR((C4)-(C5),\"\")","v":""}]
["Сумма, которую необходимо внести клиенту в кассу магазина. ",null,{"$f":"#REF!-'Расчет суммы (корректировка РМ)'!C5","v":{"$error":"#REF!"}}]
["Новые параметры кредитования "]
[]
["Процентная ставка по договору ",null,{"$f":"IF(C6=\"\",\"\",#REF!)","v":""}]
["Cрок кредита (мес.)",null,{"$f":"IF(C6=\"\",\"\",#REF!)","v":""}]
["Ежемесячный платеж по кредиту (BYR)",null,{"$f":"IFERROR(CEILING(C4*(C10/12)/(1-POWER(1+C10/12,-C11)),1000),\"\")","v":""}]
["Абонентская плата за использование пакета услуг (BYR)",null,{"$f":"IF(C6=\"\",\"\",#REF!)","v":""}]
[]
["ИТОГО  Сумма ежемесячного платежа",null,{"$f":"IF(C6=\"\",\"\",(SUM(C12:C13)))","v":""}]

{"sheet":"Обучающий материал","index":1,"n_rows":110,"n_cols":5,"rows_kept":110,"cut":false,"hidden":true,"merged":[[85,0,86,0],[85,9,86,9]]}
[]
["I","Расчет доступной суммы кредита для кредитного продукта "]
[]
[null,"Расчет доступной суммы кредита осуществляется с обязательным заполнением следующих полей:"]
[]
[null,1,"Выбор программы кредитования"]
[null,2,"Запрашиваемый срок кредита (По умолчанию рассчитывается исходя из срока  60 мес.)"]
[null,null,"При желании клиента оформить кредит на иной срок - запрашиваемый срок кредита необходимо изменить . "]
[null,3,"Подтвержденный доход"]
[null,4,"Выплаты по кредитам"]
[null,5,"Иные платежа кроме коммунальных"]
[null,6,"Количество членов семьи"]
[null,"После заполнения вышеуказанных полей вы сможете увидеть максимально доступную сумму кредита, "]
[null,"без дополнительной проверки путем ввода максимальной  суммы кредита в поле \"Запрашиваемая сумма кредита\". "]
[]
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["II","Работа   с вкладкой калькулятора «Расчет суммы (корректировка РМ)»"]
[null," Для корректного пересчета суммы кредита с/без страховки , сниженной при рассмотрении риск-менеджером, необходимо: "]
[]
[null,"1.На вкладке «Калькулятор» обязательно заполняем следующие поля:"]
[null,"1.1. Программа кредитования"]
[null,"1.2. Указать сумму товара по Счет-Фактуре"]
[null,"1.3. Указать сумму первоночального взноса",null,null,"(если имеется)"]
[null,"1.4. Указать срок"]
[null,"*информация в полях должна четко соответствовать первоначально введенным параметрам по заявке до рассмотрения риск-менеджером."]
[]
[]
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[]
[null,"2. Переходим на вкладку «Расчет суммы (корректировки РМ)"]
[null,"2.1. В поле \"Общая сумма кредита утвержденная РМ (ИТОГО) вводим утвержденную сумму риск-менеджером."]
[]
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[null,"3.В поле \"Общая сумма кредита утвержденная (РМ)\" - необходимо внести сумму которую утвердил РМ."]
[]
[]
[]
[]
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[]
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[]
[]
[null,"4. Получаете обновленную  информацию:"]
[null,"-           Новая сумма клиенту"]
[null,"-           Новая сумма страховой организации"]
[null,"-           Сумма, которую необходимо внести клиенту в кассу магазина."]

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["Предварительный график платежей по кредиту",null,null,null,null,null,null,null,"Даты "]
["Дата договора ",null,null,"2022-11-25",null,null,null,null,"Дата выдачи кредита/сегодня ",null,null,null,null,{"$f":"D2","v":"2022-11-25"},{"$f":"DATE(YEAR(Дата_выдачи_кредита),MONTH(Дата_выдачи_кредита),DAY(N4))","v":"2022-11-25"}]
["ППС Начало/конец",null,null,{"$f":"SUM(D13:D132)*360/SUM(W13:W132)","v":0.16817097549822305},{"$f":"SUM(D13:D132)*360/SUM(X13:X132)","v":0.17285444033480094},null,null,null,"Дата начала действаия 2-й ставки ",null,null,null,null,{"$f":"Дата_выдачи_кредита+Кол_во_Льготных_дней+1","v":"2023-01-30"}]
["Сумма кредита ",null,null,1200,null,null,null,null,"Платежная дата ",null,null,null,null,{"$f":"DAY(Дата_выдачи_кредита)","v":25}]
["Срок кредита (мес.)",null,null,60,null,null,null,null,"Количество дней после платежной даты",null,null,null,null,{"$f":"IF((N6-Платежная_дата<0),0,N6-Платежная_дата)","v":5}]
["%-ставка по договору(Льготная /Основная)",null,null,1.0000000000000001E-5,0.184,null,null,null,"Количество дней в месяце",null,null,null,null,30]
["Отсрочка платежа по ОД (мес.)",null,null,0,null,null,null,null,"количество льгодных дней в периоде с ID = 2",null,null,null,null,{"$f":"IF((DAY(Дата_второй_ставки))=1,Платежная_дата,IF((DAY(Дата_второй_ставки-1))>30,30,DAY(Дата_второй_ставки-1)))","v":29}]
["Срок действия льготной ставки (дней)",null,null,65,null,null,null,null,"количество НЕ_льгодных дней в периоде с ID = 2",null,null,null,null,{"$f":"IF((N6-N7)<0,0,N6-N7)","v":1}]
[]
["Итого (бел.руб.)",null,{"$f":"SUM(C13:C132)","v":1200.0000000000002},{"$f":"SUM(D13:D132)","v":605.01872251649638},{"$f":"SUM(E13:E132)","v":1804.9999999999995}]
[null,null,null,null,null,null,null,null,"Для ОД ","Для процентов",null,"начисление % (сроки)",null,"ID","Количество  дней для              1-й ставки","Количество  дней для              2-й ставки","Расчет суммы процентов","%"]
["Платеж","Дата платежа","Сумма платежа по ОД (бел.руб)","Сумма платежа по %  (бел.руб)","Сумма  платежа по кредиту (бел.руб)",null,null,null,"Остаток ОД ","Остаток ОД на начало","Остаток ОД на конец","дата начала периода начисления ","дата конеца периода начисления ",null,null,null,null,"для ID 1 ставки","для ID 2 ставки","для ID 3 ставки","для ID 4 ставки",null,"Среднедневные остатки на начало","Среднедневные остатки на конец"]
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[{"$f":"IF(Срок_Кредита<8,\"\",8)","v":8},"2023-07-25",13.720141316088213,17.186357372592845,30.910000000000004,null,null,null,1109.5886081489855,1123.1015510079037,1109.5886081489855,"2023-06-01","2023-06-30",3,25,5,17.186357372592845,9.3404116155395905E-4,0.56802628564303126,17.186357372592845,31.364434032274325,null,33693.046530237109,33287.658244469567]
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