{"text_format":"1","workbook":"xlsx","n_sheets":1,"sheets":["Sheet2"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Sheet2","index":0,"n_rows":31,"n_cols":12,"rows_kept":31,"cut":false,"hidden":false,"merged":[[22,2,22,4],[23,2,23,7],[0,0,0,9],[9,5,9,9],[8,5,8,9],[7,5,7,9],[6,5,6,9],[4,5,4,9],[5,5,5,9],[4,1,4,2],[5,1,5,2],[6,1,6,2],[7,1,7,2],[8,1,8,2]]}
["RedZed Mortgage Arrears Guide"]
["Complete the grey shaded areas to determine the indicative RedZed Product"]
[]
[]
[null,"Borrower(s) Name"]
[null,"Loan Account Number"]
[null,"Lender/Financial Institution "]
[null,"Loan Balance at Time of Application"]
[null,"Start Month (Format as month and year eg: June 2023) "]
[]
[null,"Month","Actual Amount Paid",null,"Required Monthly Repayment",null,null,"Monthly Arrears or (Advance)",null,"Cumulative Arrears or (Advance)","Monthly Repayments   Arrears or (Advance)"]
[]
[null,"2023-10-01",null,null,6447.52,null,null,{"$f":"(E13-C13)","v":6447.52},null,{"$f":"H13","v":6447.52},{"$f":"IFERROR(J13/E13,\"\")","v":1}]
[null,{"$f":"EDATE(B13,1)","v":"2023-11-01"},null,null,6447.52,null,null,6447.52,null,{"$f":"J13+H14","v":12895.04},2]
[null,{"$f":"EDATE(B14,1)","v":"2023-12-01"},null,null,6447.52,null,null,6447.52,null,{"$f":"J14+H15","v":19342.560000000001},3]
[null,"2024-01-01",null,null,6447.52,null,null,6447.52,null,{"$f":"J15+H16","v":25790.080000000002},4]
[null,"2024-02-01",null,null,6447.52,null,null,6447.52,null,{"$f":"J16+H17","v":32237.600000000002},5]
[null,"2024-03-01",null,null,6447.52,null,null,6447.52,null,{"$f":"J17+H18","v":38685.120000000003},6]
[]
[]
[null,"Max payment arrears over prior 6mths",null,null,{"$f":"MAX(0,MAX(K13:K18))","v":6}]
[]
[null,"Indicative RedZed Product",{"$f":"IF(E21>=3,C31,IF(E21>2,C30,IF(E21>1,C29,IF(E21>0,C28,C27))))","v":"No Lend "}]
[null,null,"This is a guide only, subject to full credit assessment."]
[]
[null,"Arrears #","Product",null,"Policy "]
[null,0,"SE Prime",null,"Monthly repayments made in full ≤ 7 days of due date (this calculator not required)"]
[null,"> 0 to ≤ 1","Reward",null,"Less than or equal to 1 Full Month Repayment "]
[null,"> 1 to ≤ 2","Recharge",null,"Greater than 1 and up to 2 Full Months Repayment"]
[null,"> 2 to < 3","Refresh",null,"Greater than 2 Full Months Repayment (discuss with RedZed BDM) "]
[null,"≥ 3","No Lend ",null,"3 or more Full Months Repayment (discuss with RedZed BDM) ",null,null,null,null,null,null,"RZMAG1223 V1"]