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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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[]
[]
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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,{"$f":"TODAY()","v":"2026-02-17"},null,null,null,null,"Дата выдачи кредита/сегодня ",null,null,null,null,{"$f":"D2","v":"2026-02-17"},{"$f":"DATE(YEAR(Дата_выдачи_кредита),MONTH(Дата_выдачи_кредита),DAY(N4))","v":"2026-02-17"}]
["ППС Начало/конец",null,null,{"$f":"SUM(D13:D132)*360/SUM(W13:W132)","v":0.16371965459197177},{"$f":"SUM(D13:D132)*360/SUM(X13:X132)","v":0.17157555729341645},null,null,null,"Дата начала действаия 2-й ставки ",null,null,null,null,{"$f":"Дата_выдачи_кредита+Кол_во_Льготных_дней","v":"2026-03-24"}]
["Сумма кредита ",null,null,12000,null,null,null,null,"Платежная дата ",null,null,null,null,{"$f":"DAY(Дата_выдачи_кредита)","v":17}]
["Срок кредита (мес.)",null,null,36,null,null,null,null,"Количество дней после платежной даты",null,null,null,null,{"$f":"IF((N6-Платежная_дата<0),0,N6-Платежная_дата)","v":13}]
["%-ставка по договору(Льготная /Основная)",null,null,0.04,0.1799,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,{"$f":"IF((DAY(Дата_второй_ставки))=1,Платежная_дата,IF((DAY(Дата_второй_ставки-1))>30,30,DAY(Дата_второй_ставки-1)))","v":23}]
["Срок действия льготной ставки (дней)",null,null,35,null,null,null,null,"количество НЕ_льгодных дней в периоде с ID = 2",null,null,null,null,{"$f":"IF((N6-N7)<0,0,N6-N7)","v":7}]
[]
["Итого (бел.руб.)",null,{"$f":"SUM(C13:C132)","v":12000},{"$f":"SUM(D13:D132)","v":3448.349999999999},{"$f":"SUM(E13:E132)","v":15448.35}]
[null,null,null,null,null,null,null,null,"Для ОД ","Для процентов",null,"начисление % (сроки)",null,"ID","Количество  дней для              1-й ставки","Количество  дней для              2-й ставки","Расчет суммы процентов","%"]
["Платеж","Дата платежа","Сумма платежа по ОД (бел.руб)","Сумма платежа по %  (бел.руб)","Сумма  платежа по кредиту (бел.руб)",null,null,null,"Остаток ОД ","Остаток ОД на начало","Остаток ОД на конец","дата начала периода начисления ","дата конеца периода начисления ",null,null,null,null,"для ID 1 ставки","для ID 2 ставки","для ID 3 ставки","для ID 4 ставки",null,"Среднедневные остатки на начало","Среднедневные остатки на конец"]
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[{"$f":"IF(Срок_Кредита<3,\"\",3)","v":3},{"$f":"IF(A15=\"\",\"\",IFERROR((DATE(YEAR(B14),MONTH(B14)+1,DAY(B14))),\"\"))","v":"2026-05-17"},261.53999999999996,174.42,435.95999999999992,null,null,null,11488.449999999999,11746.13,11488.449999999999,"2026-04-01","2026-04-30",3,17,{"$f":"IF(A15=\"\",\"\",IF(N15=1,$N$5,IF(N15=2,$N$8,$N$5)))","v":13},174.42,38.78,70.03,174.42,272.02,null,352383.89999999997,344653.49999999994]
[{"$f":"IF(Срок_Кредита<4,\"\",4)","v":4},"2026-06-17",265.45999999999998,170.53,435.99,null,null,null,11226.91,11488.449999999999,11226.91,"2026-05-01","2026-05-31",3,17,13,170.53,37.92,68.459999999999994,170.53,265.91000000000003,null,344653.49999999994,336807.3]
[{"$f":"IF(Срок_Кредита<5,\"\",5)","v":5},"2026-07-17",269.43999999999994,166.59,436.03,null,null,null,10961.45,11226.91,10961.45,"2026-06-01","2026-06-30",3,17,13,166.59,37.04,66.86,166.59,259.70999999999998,null,336807.3,328843.5]
[{"$f":"IF(Срок_Кредита<6,\"\",6)","v":6},"2026-08-17",273.48,162.58000000000001,436.06000000000006,null,null,null,10692.01,10961.45,10692.01,"2026-07-01","2026-07-31",3,17,13,162.58000000000001,36.15,65.23,162.58000000000001,253.41,null,328843.5,320760.3]
[{"$f":"IF(Срок_Кредита<7,\"\",7)","v":7},"2026-09-17",277.58,158.51,436.09,null,null,null,10418.530000000001,10692.01,10418.530000000001,"2026-08-01","2026-08-31",3,17,13,158.51,35.25,63.59,158.51,247.02,null,320760.3,312555.90000000002]
[{"$f":"IF(Срок_Кредита<8,\"\",8)","v":8},"2026-10-17",281.74,154.38999999999999,436.13,null,null,null,10140.950000000001,10418.530000000001,10140.950000000001,"2026-09-01","2026-09-30",3,17,13,154.38999999999999,34.33,61.91,154.38999999999999,240.54,null,312555.90000000002,304228.5]
[{"$f":"IF(Срок_Кредита<9,\"\",9)","v":9},"2026-11-17",285.95999999999998,150.19999999999999,436.15999999999997,null,null,null,9859.2100000000009,10140.950000000001,9859.2100000000009,"2026-10-01","2026-10-31",3,17,13,150.19999999999999,33.4,60.22,150.19999999999999,233.96,null,304228.5,295776.30000000005]
[{"$f":"IF(Срок_Кредита<10,\"\",10)","v":10},"2026-12-17",290.25,145.94999999999999,436.2,null,null,null,9573.2500000000018,9859.2100000000009,9573.2500000000018,"2026-11-01","2026-11-30",3,17,13,145.94999999999999,32.450000000000003,58.49,145.94999999999999,227.28,null,295776.30000000005,287197.50000000006]
[{"$f":"IF(Срок_Кредита<11,\"\",11)","v":11},"2027-01-17",294.60000000000002,141.63,436.23,null,null,null,9283.0000000000018,9573.2500000000018,9283.0000000000018,"2026-12-01","2026-12-31",3,17,13,141.63,31.49,56.74,141.63,220.5,null,287197.50000000006,278490.00000000006]
[{"$f":"IF(Срок_Кредита<12,\"\",12)","v":12},"2027-02-17",299.02,137.25,436.27,null,null,null,8988.4000000000015,9283.0000000000018,8988.4000000000015,"2027-01-01","2027-01-31",3,17,13,137.25,30.52,54.97,137.25,213.61,null,278490.00000000006,269652.00000000006]
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[{"$f":"IF(Срок_Кредита<15,\"\",15)","v":15},"2027-05-17",312.66999999999996,123.72,436.39,null,null,null,8077.8300000000008,8385.880000000001,8077.8300000000008,"2027-04-01","2027-04-30",3,17,13,123.72,27.51,49.48,123.72,192.34,null,251576.40000000002,242334.90000000002]
[{"$f":"IF(Срок_Кредита<16,\"\",16)","v":16},"2027-06-17",317.36,119.07,436.43,null,null,null,7765.1600000000008,8077.8300000000008,7765.1600000000008,"2027-05-01","2027-05-31",3,17,13,119.07,26.47,47.6,119.07,185.04,null,242334.90000000002,232954.80000000002]
[{"$f":"IF(Срок_Кредита<17,\"\",17)","v":17},"2027-07-17",322.12,114.35,436.47,null,null,null,7447.8000000000011,7765.1600000000008,7447.8000000000011,"2027-06-01","2027-06-30",3,17,13,114.35,25.43,45.69,114.35,177.62,null,232954.80000000002,223434.00000000003]
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