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{"sheet":"Kezdő oldal","index":0,"n_rows":27,"n_cols":17,"rows_kept":27,"cut":false,"hidden":false,"merged":[[26,0,27,5],[18,0,19,5],[21,0,21,3],[22,0,23,5],[25,0,25,3],[14,0,15,5],[17,0,17,3],[11,0,12,5],[13,0,13,5],[2,1,2,5],[0,1,0,5],[1,1,1,5],[5,0,5,3],[10,0,10,3],[6,0,8,5]]}
["Hitelközvetítő neve (cégneve)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Printer","\\\\HQPS1\\XCOLOR a(z) Ne04: kimeneten"]
["Hitelközvetítő címe (székhelye)"]
["Tanácsadó neve"]
[]
[]
["1. Előzetes tájékoztatás és adatkezelési nyilatkozat"]
["Ez a tájékoztató hivatott arra, hogy a hitel iránt érdeklődők figyelmét felhívja arra, hogy a jövedelem és a havi teher aránya megváltozhat a kamatlábak vagy a jövedelem változása esetén."]
[]
[]
[]
["2. Ügyfelek adatainak rögzítése"]
["Az indikatív ajánlat és a Kockázatfeltáró nyilatkozat aláírási adataihoz legalább a név, anyja neve, születési dátum és az állandó lakcím kitöltése szükséges."]
[]
["A kockázati ármeghatározáshoz valamennyi adat kitöltése szükséges!"]
["Amennyiben nincs pl. kiegészítő jövedelem, akkor nullát kell beírni, nem hagyható üresen az adatmező."]
[]
[]
["3. A hitel akapvető adatainak, jellemzőinek megadása"]
["Újdonság: A K besorolás megadható a korábbi gyakorlat szerint manuálisan, de lehetőség van arra is, hogy a megadott részletes adatok alapján a kalkulátor állapítsa meg."]
[]
[]
["4. Az indikatív ajánlat nyomtatása, aláíratása"]
["Az indikatív ajánlatot a fair bank szabályok értelmében külön dokumentumként kell kezelni, ezért külön kerül nyomtatásra és az ügyfeleknek külön kell aláírniuk is."]
[]
[]
["5. A kockázatfeltáró nyilatkozat nyomtatása, aláíratása"]
["A Kockázatfeltáró nyilatkozatot a fair bank szabályok értelmében külön dokumentumként kell kezelni, ezért külön kerül nyomtatásra és az ügyfeleknek külön kell aláírniuk is."]

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[]
["Termékkör:",null,null,"Lakáshitel"]
[]
[]
[]
[]
["K&H Bank Zrt."]
[]
["1095 Budapest, Lechner Ödön fasor 9. "]
["Telefon: (06 1) 328 9000, (06 30) 761 9000"]
["Fax: (06 1) 328 9696"]
["www.kh.hu • bank@kh.hu"]
[]
["Nyilatkozat hitelszerződés megkötését megelőző tájékoztatásról"]
["Kérjük, a jelölőnégyzetek kipipálásával szíveskedjen jelezni, \namennyiben az adott tájékoztatás megtörtént! "]
["Alulírott kijelentem, hogy hitelfelvétel iránti érdeklődésem és annak felmérése során, miszerint az igénybe venni tervezett hitel megfelel-e az igényeimnek és a pénzügyi teljesítőképességemnek, az általam kiválasztott termékhez kapcsolódóan az következőkre kiterjedő tájékoztatást kaptam:\n a vonatkozó MNB rendelet értelmében mekkora lehet a figyelembe vehető jövedelmemhez képest a törlesztőrészlet összege és ezt hogyan kell kiszámítani\n ingatlanra alapított jelzálog fedezete mellett nyújtott kölcsön esetén az ingatlan forgalmi értéke arányában mekkora lehet a hitel összege\n igényeim, lehetőségeim és szükségleteim felmérését követően az előnyben részesített termék legfontosabb jellemzőiről (az igényelhető hitel lehetséges összegéről, a kamatozás módjáról és a kamat módosításának lehetőségéről, a reprezentatívnak tekinthető teljes hiteldíj mutatóról, a törlesztőrészletek összegéről és a törlesztés gyakoriságáról, a hitel választható futamidejéről)\n a kamat változásának a törlesztőrészletre gyakorolt hatásáról\n a hitelszerződés megkötésekor felelős döntést kell hoznom, hiszen a hitelfelvétellel járó törlesztési kötelezettség hosszabb távon befolyásolja a pénzügyi helyzetemet, teljesítőképességem, a megjelenő teher milyen további kockázatokkal járhat (pl. kamat emelkedése folytán), a fizetések elmulasztása milyen következményekkel járhat (pl. késedelmi kamat, szerződés felmondása, azonnali teljes összegű visszafizetési kötelezettség)\n az általam előnyben részesített termék törlesztőrészlet, illetőleg a jövedelem változásának lehetséges hatásairól az alábbi táblázat alapján:"]
[]
["A hitel típusa:",null,null,"Jelzáloghitel"]
["A hitel összege: ",null,null,"5.000.000 forint"]
["A hitel futamideje:",null,null,"240 hónap"]
["A hitel kamata:",null,null,{"$f":"'PD kamat'!I2+W39","v":0.05},null,{"$f":"CONCATENATE(\"(3 havi BUBOR + \",100*'PD kamat'!P6,\"%)\")","v":"(3 havi BUBOR + 2,9%)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KSH munkabér",151118]
["Rendszeres jövedelem változása",null,null,"Kamat emelkedése"]
[null,null,null,0,null,null,0.01,null,null,0.02,null,null,0.03,null,null,null,null,null,null,null,null,1,"január "]
["–30% változás",{"$f":"$W$21*0.7","v":105782.59999999999},"forint","JTM:",{"$f":"D26/$B24*100","v":31.19396475491515},"%","JTM:",{"$f":"G26/$B24*100","v":33.863369707218617},"%","JTM:",{"$f":"J26/$B24*100","v":36.645863101250804},"%","JTM:",{"$f":"M26/$B24*100","v":39.535805935638891},"%",null,null,null,null,null,null,2,"február "]
[null,null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,null,null,null,null,null,null,3,"március "]
[null,null,null,{"$f":"PMT(($D$21+D$23)/12,240,-5000000)","v":32997.786960832869},null,"forint",{"$f":"PMT(($D$21+G$23)/12,240,-5000000)","v":35821.552923908239},null,"forint",{"$f":"PMT(($D$21+J$23)/12,240,-5000000)","v":38764.946780943726},null,"forint",{"$f":"PMT(($D$21+M$23)/12,240,-5000000)","v":41822.003449673139},null,"forint",null,null,null,null,null,null,4,"április "]
["–20% változás",{"$f":"$W$21*0.8","v":120894.40000000001},"forint","JTM:",{"$f":"D29/$B27*100","v":27.294719160550752},"%","JTM:",{"$f":"G29/$B27*100","v":29.630448493816285},"%","JTM:",{"$f":"J29/$B27*100","v":32.065130213594443},"%","JTM:",{"$f":"M29/$B27*100","v":34.59383019368402},"%",null,null,null,null,null,null,5,"május "]
[null,null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,null,null,null,null,null,null,6,"június "]
[null,null,null,{"$f":"PMT(($D$21+D$23)/12,240,-5000000)","v":32997.786960832869},null,"forint",{"$f":"PMT(($D$21+G$23)/12,240,-5000000)","v":35821.552923908239},null,"forint",{"$f":"PMT(($D$21+J$23)/12,240,-5000000)","v":38764.946780943726},null,"forint",{"$f":"PMT(($D$21+M$23)/12,240,-5000000)","v":41822.003449673139},null,"forint",null,null,null,null,null,null,7,"július "]
["–10% változás",{"$f":"$W$21*0.9","v":136006.20000000001},"forint","JTM:",{"$f":"D32/$B30*100","v":24.261972587156222},"%","JTM:",{"$f":"G32/$B30*100","v":26.338176438947809},"%","JTM:",{"$f":"J32/$B30*100","v":28.502337967639509},"%","JTM:",{"$f":"M32/$B30*100","v":30.750071283274689},"%",null,null,null,null,null,null,8,"augusztus "]
[null,null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,null,null,null,null,null,null,9,"szeptember "]
[null,null,null,{"$f":"PMT(($D$21+D$23)/12,240,-5000000)","v":32997.786960832869},null,"forint",{"$f":"PMT(($D$21+G$23)/12,240,-5000000)","v":35821.552923908239},null,"forint",{"$f":"PMT(($D$21+J$23)/12,240,-5000000)","v":38764.946780943726},null,"forint",{"$f":"PMT(($D$21+M$23)/12,240,-5000000)","v":41822.003449673139},null,"forint",null,null,null,null,null,null,10,"október "]
["0% változás",{"$f":"$W$21","v":151118},"forint","JTM:",{"$f":"D35/$B33*100","v":21.835775328440601},"%","JTM:",{"$f":"G35/$B33*100","v":23.704358795053029},"%","JTM:",{"$f":"J35/$B33*100","v":25.652104170875557},"%","JTM:",{"$f":"M35/$B33*100","v":27.675064154947222},"%",null,null,null,null,null,null,11,"november "]
[null,null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,null,null,null,null,null,null,12,"december "]
[null,null,null,{"$f":"PMT(($D$21+D$23)/12,240,-5000000)","v":32997.786960832869},null,"forint",{"$f":"PMT(($D$21+G$23)/12,240,-5000000)","v":35821.552923908239},null,"forint",{"$f":"PMT(($D$21+J$23)/12,240,-5000000)","v":38764.946780943726},null,"forint",{"$f":"PMT(($D$21+M$23)/12,240,-5000000)","v":41822.003449673139},null,"forint",null,null,null,null,null,null,null,{"$f":"VLOOKUP(MONTH(TODAY()),V23:W34,2,FALSE)","v":"február "}]
["+10% változás",{"$f":"$W$21*1.1","v":166229.80000000002},"forint","JTM:",{"$f":"D38/$B36*100","v":19.850704844036908},"%","JTM:",{"$f":"G38/$B36*100","v":21.549417086411843},"%","JTM:",{"$f":"J38/$B36*100","v":23.320094700795959},"%","JTM:",{"$f":"M38/$B36*100","v":25.159149231770193},"%"]
[null,null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,null,null,null,null,null,null,"Lakáshitel",{"$f":"'PD kamat'!M6","v":2.9000000000000001E-2}]
[null,null,null,{"$f":"PMT(($D$21+D$23)/12,240,-5000000)","v":32997.786960832869},null,"forint",{"$f":"PMT(($D$21+G$23)/12,240,-5000000)","v":35821.552923908239},null,"forint",{"$f":"PMT(($D$21+J$23)/12,240,-5000000)","v":38764.946780943726},null,"forint",{"$f":"PMT(($D$21+M$23)/12,240,-5000000)","v":41822.003449673139},null,"forint",null,null,null,null,null,null,"Személyi hitel",{"$f":"'PD kamat'!O6","v":5.7500000000000002E-2}]
["+20% változás",{"$f":"$W$21*1.2","v":181341.6},"forint","JTM:",{"$f":"D41/$B39*100","v":18.19647944036717},"%","JTM:",{"$f":"G41/$B39*100","v":19.753632329210859},"%","JTM:",{"$f":"J41/$B39*100","v":21.376753475729632},"%","JTM:",{"$f":"M41/$B39*100","v":23.062553462456016},"%",null,null,null,null,null,null,null,{"$f":"VLOOKUP(D2,V37:W38,2,FALSE)","v":2.9000000000000001E-2}]
[null,null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:"]
[null,null,null,{"$f":"PMT(($D$21+D$23)/12,240,-5000000)","v":32997.786960832869},null,"forint",{"$f":"PMT(($D$21+G$23)/12,240,-5000000)","v":35821.552923908239},null,"forint",{"$f":"PMT(($D$21+J$23)/12,240,-5000000)","v":38764.946780943726},null,"forint",{"$f":"PMT(($D$21+M$23)/12,240,-5000000)","v":41822.003449673139},null,"forint"]
["+30% változás",{"$f":"$W$21*1.3","v":196453.4},"forint","JTM:",{"$f":"D44/$B42*100","v":16.796750252646618},"%","JTM:",{"$f":"G44/$B42*100","v":18.234122150040793},"%","JTM:",{"$f":"J44/$B42*100","v":19.732387823750429},"%","JTM:",{"$f":"M44/$B42*100","v":21.288510888420937},"%"]
[null,null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:",null,null,"Törlesztőrészlet:"]
[null,null,null,{"$f":"PMT(($D$21+D$23)/12,240,-5000000)","v":32997.786960832869},null,"forint",{"$f":"PMT(($D$21+G$23)/12,240,-5000000)","v":35821.552923908239},null,"forint",{"$f":"PMT(($D$21+J$23)/12,240,-5000000)","v":38764.946780943726},null,"forint",{"$f":"PMT(($D$21+M$23)/12,240,-5000000)","v":41822.003449673139},null,"forint"]
[]
["Jelen táblázat az 56/2014. (XII. 31.) NGM rendelet (továbbiakban: Rendelet) 1. számú melléklete alapján készült.\n\n"]
[]
["Magyarázat a táblázatban szereplő értékekhez\nA hitel típusa: A Rendelet szerint az igényelt hitel jellege alapján lakástakarék pénztár által nyújtott hitel, jelzáloghitel vagy az előző két csoportba nem tartozó hitel lehet.\nA hitel összege: A Rendelet alapján meghatározott összeg.\nA hitel futamideje: A Rendelet alapján meghatározott futamidő.\nA hitel kamata: A Rendelet alapján meghatározható reprezentatív kamat (jelen esetben: 3 havi BUBOR-hoz kötött, indulódíjas, K3 kategória szerint).\nRendszeres jövedelem: A Rendelet alapján meghatározott, KSH szerinti átlagos havi nettó jövedelem.\nJTM (Jövedelemarányos Törlesztési Mutató): A 34/2014. MNB rendelet alapján meghatározott mutató százalékos értéke a Kamat emelkedése blokkban.\nTörlesztőrészlet: A Rendszeres jövedelem, Kamat és Jövedelemarányos Törlesztési Mutató alapján kalkulált, havonta fizetendő összeg.\n"]
["Hozzájárulok, hogy a jelen dokumentáció, valamint a K&H Banktól kapott további, aláírásommal ellátott dokumentumok egy példányát a tájékoztatás megtörténtének igazolása, továbbá az általam választott hitelügylet megvalósulása, az ahhoz kapcsolódó adatkezelés és –feldolgozás, valamint kapcsolattartás céljából a K&H Bank Zrt. megőrizze, a benne foglalt adatokat a létrejövő hiteljogviszony fennállása alatt, illetve a jogviszony létrejöttének meghiúsulása esetén a nyilatkozat keltétől számított 6 hónapig kezelje."]
[]
[]
[{"$f":"CONCATENATE(\"Kelt: …………………………………………………, \",YEAR(TODAY()),\". \",W35,DAY(TODAY()),\".\")","v":"Kelt: …………………………………………………, 2015. február 4."}]
[]
[]
[null,null,null,"Érdeklődő:",null,null,null,null,null,"Érdeklődő:"]
["Név:"]
["Lakcím:"]
["Telefonszám:"]
["Aláírás:"]

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[null,"ADÓS","ADÓSTÁRS-1","ADÓSTÁRS-2","ADÓSTÁRS-3"]
[null,"Jövedelmével bevont szereplő","Jövedelmével bevont szereplő","Nincs","Nincs"]
[null,"S Z E M É L Y I    A D A T O K"]
["Név"]
["Születési név"]
["Anyja neve"]
["Születési dátum"]
["Családi állapot"]
["Legmagasabb iskolai végzettség"]
[]
[null,"C Í M E K,   T E L E F O N S Z Á M O K"]
["Állandó lakcím: irányító szám"]
["Állandó lakcím: város"]
["Állandó lakcím: utca, házszám"]
["Értesítési cím: irányító szám"]
["Értesítési cím: város"]
["Értesítési cím: utca, házszám"]
["Jogviszony a jelenlegi tartózkodási helyen"]
["Mióta él jelenlegi lakcímén"]
["Mobiltelefon"]
["Vezetékes telefon"]
["E-mail cím"]
[]
[null,"B A N K K A P C S O L A T O K"]
["Elsődleges bank (jövedelem átutalás)"]
["Hitelkártya keretösszeg"]
["Folyószámla hitelkeret összege",null,null,null,null,"Több szereplő közös terhét csak az egyiknél kell feltüntetni!"]
["Összes havi rendszeres törlesztés",null,null,null,null,"Több szereplő közös terhét csak az egyiknél kell feltüntetni!"]
[]
[null,"V A G Y O N I  -  P É N Z Ü G Y I   A D A T O K"]
["Önállóan elfogadható jövedelem"]
["Kiegészítő jövedelem"]
["Levonás/letiltás a jövedelemből"]
["Jövedelemmel rendelkezők száma"]
["Eltartottak száma a háztartásban"]
[]
[null,"M U N K A H E L Y I   A D A T O K"]
["Munkáltatói cégforma"]
["Gazdasági szektor"]
["Foglalkoztatás minősége"]
["Munkaviszony kezdete"]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Egyedülálló","K&H Bank","Adminisztráció/könyvelés","Alkalmazott"]
[null,"Házas","AEGON Magyarország Hitel Zrt","Államigazgatás","Köztisztviselő"]
[null,"Elvált","AXA Bank","Bányászat","A Magyar Honvédség hivatásos állományú tagja"]
[null,"Élettársi viszony","Banco Popolare","Befektetés - osztalék","Fegyveres szervek hivatásos állományú tagja"]
[null,"Özvegy","Banco Primus S.A.","Biztosítási tevékenység","Közalkalmazott"]
[null,null,"Banif Plus Bank","Egészségügy","Bíró"]
[null,"Alapítvány","Bank of China Hitelintézet","Egyéb","Ügyész"]
[null,"Állami részvénytársaság","BNP Paribas Hungária Bank","Élelmiszeripar","Igazságügyi alkalmazott"]
[null,"Betéti társaság","Budapest Bank","Energiaszolgáltatás","GYES"]
[null,"Egyéb  ","CIB Bank","Építőipar","Nyugdíjas"]
[null,"Egyéb szövetkezet","Citibank","Erdő-, vad- és Halgazdálkodás","Vállalkozó"]
[null,"Egyéni vállakozó","Cofidis","Fa- és papíripar","Szerződéses"]
[null,"Egyesülés","Commerzbank","Fegyveres testület","Egyéb"]
[null,"Gazdasági munkaközösség","Credigen Bank","Fémipar"]
[null,"Kamara","Credit Agricole Corporate And Investment Bank","Gép-, jármű- és műszergyártás"]
[null,"Korlátolt felelősségű társaság","Deutsche Bank","Gyógyszergyártás"]
[null,"Közalapítvány","DRB Dél-Dunántúli Regionális Bank","Informatika","Jövedelmével bevont szereplő"]
[null,"Közigazgatási szerv","egyéb","Infrastruktuális beruházás","Jövedelme nélküli szereplő"]
[null,"Közkereseti társaság","Erste Bank","Ingatlan bérbeadás","Nincs"]
[null,"Közös vállalat","FHB","Ingatlankereskedelem és beruházás"]
[null,"Közp. költségvetési intézmény tul. lévő kht","Gránit Bank","Kiadó, nyomda"]
[null,"Központi költségvetési intézmény","Hanwha Bank","Kiskereskedelem"]
[null,"Leányvállalat","ING Bank","Könnyűipar (egyéb)"]
[null,"Részvénytársaság","KDB Bank","Kőolajfeldolgozás"]
[null,"Nem közp. költségvetési intézmény tul. lévő kht","Kinizsi Bank","Közigazgatás"]
[null,"Non-profit társaság","Magnet Magyar Közösségi Bank","Külkereskedelem"]
[null,"Önk. költségvetési intézmény","Magyar Cetelem","Marketing, hirdetés"]
[null,"Pénzügyi szolgáltatást nem végző tak.szöv","Magyar Külkereskedelmi","Mezőgazdaság"]
[null,"Pénzügyi szolgáltatást végző takarékszövetkezet","Magyar Takarékszövetkezeti Bank","Nagyberuházás"]
[null,"Szövetkezet","Mohácsi Takarék Bank","Nagykereskedelem"]
[null,"Társadalmi szervezet","Oberbank AG","Nehézipar (egyéb)"]
[null,"Ügyvéd, közjegyző","OTP Bank","Non-profit szektor (egyéb)"]
[null,"Egyéb  ","Pannon Takarék Bank","Oktatás - PHD ösztöndíj"]
[null,"Nincs info","Raiffeisen Bank","Oktatás, képzés"]
[null,null,"Sopron Bank Burgenland","Pénzügyi szolgáltatás"]
[null,"8 általános vagy kevesebb","Széchenyi Kereskedelmi Bank","Ruha- és textilipar"]
[null,"Szakmunkás","Takarékszövetkezetek","Sporttevékenység"]
[null,"Szakközép","UniCredit Bank","Szállítás, raktározás, posta"]
[null,"Gimnázium","Volksbank","Szociális"]
[null,"Főiskola","WPB Capital, credit union","Szociális - életjáradék, jogdíjak"]
[null,"Egyetem","ZUNO BANK AG","Szociális - GYES, GYET, GYED, TGYÁS"]
[null,"Tudományos fokozat",null,"Szociális-személyi járadék vakok részére"]
[null,null,null,"Szolgáltatás - megbízásos alapon"]
[null,null,null,"Szolgáltatás (egyéb)"]
[null,"kevesebb, mint 1 éve","Tulajdonos","Szolgáltatás-jogi,ügyvéd,jogász,közjegyző"]
[null,"1 - 3 év","Társtulajdonos","Szórakozás, kultúra"]
[null,"4 - 10 év","Bérlő","Tanácsadás, audit"]
[null,"több, mint 10 éve","Albérlő","Telekommunikáció"]
[null,null,"Családdal él","Tömegközlekedés"]
[null,null,"Szolgálati lakás","Tudományos kutatás"]
[null,null,"Önkormányzati lakás","Turizmus, vendéglátás"]
[null,null,"Egyéb jogcím","Vegyipar"]

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[{"$f":"VLOOKUP(B2,I44:L46,4,FALSE)","v":"Csak kamatos lakáshitel"},null,null,null,null,null,null,null,null,"DPM min lakás",7,null,"min",null,null,null,null,null,null,null,null,null,null,null,null,null,null,28,29,30,31,32,33,34,35,36,null,{"$f":"SUM(AL5:AL37)+SUM(AM5:AO22)","v":37}]
["Hiteltípus","Lakáshitel",null,null,null,null,null,null,null,"DPM min szabfel",8,null,{"$f":"IF(M33=I57,K2,IF(B21>300,K1+1,K1))+IF(J17=I11,0.5,0)","v":7}]
["Lakáshitel esetén a hitelcél","Használt lakás/ház vásárlása",null,null,null,null,null,null,null,null,null,"%","dpm %","margincél","margin","EUR %","év","hó","nap",null,"Bubor fix","Bubor csök","Bubor növ",null,null,null,null,"A","A1","A2","A3",null,"A","A1","A2","A3",null,"A","A1","A2","A3"]
[null,null,null,null,null,null,null,null,"Lakás",{"$f":"35*12","v":420},"Szenzációs lakáshitel",{"$f":"'PD kamat'!B14*100","v":{"$error":"#N/A"}},{"$f":"MAX(IF(B21=12,L4,L4-IF(B6=L17,IF(B7=I10,1.25,1.75),IF(B7=I10,1.5,2))),IF(B21>300,K1+1,K1))","v":{"$error":"#N/A"}},{"$f":"IF(M32=J8,3.25,3.55)+IF(B11=L10,0.5,0)","v":4.05},{"$f":"IF($J$17=$I$10,N4,N4+0.5)+IF(B6=L17,-0.25,0)","v":4.05},9,{"$f":"YEAR(B25)","v":{"$error":"#VALUE!"}},{"$f":"MONTH(B25)","v":{"$error":"#VALUE!"}},{"$f":"DAY(B25)","v":{"$error":"#VALUE!"}},1,{"$f":"N24*100","v":2.11},{"$f":"U4","v":2.11},{"$f":"V4","v":2.11}]
["Induló díjakkal vagy csak kamattal","Csak kamattal",null,null,null,null,null,null,"Lakáshitel - lakás-előtakarékossággal",420,null,{"$f":"'PD kamat'!B14*100","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"IF(R5=1,Q4+1,Q4)","v":{"$error":"#VALUE!"}},{"$f":"IF(R4=12,1,R4+1)","v":{"$error":"#VALUE!"}},{"$f":"S4","v":{"$error":"#VALUE!"}},{"$f":"T4+1","v":2},{"$f":"$U$4","v":2.11},{"$f":"V4","v":2.11},{"$f":"W4","v":2.11},null,null,null,"Születési dátum",{"$f":"Ügyféladatok!B7","v":"00:00:00"},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C7)","v":"00:00:00"},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D7)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E7)","v":""},null,"1985-10-10","","","",null,{"$f":"IF(AB5=AG5,0,1)","v":1},{"$f":"IF(AC5=AH5,0,1)","v":1},0,0]
["Kondíció","Normál",{"$f":"IF(B6=L17,\"-0,25% kamat\",\"\")","v":""},null,null,null,null,null,"Személyi",{"$f":"25*12","v":300},"Szenzációs ingatlanfedezetű személyi hitel",{"$f":"'PD kamat'!B14*100","v":{"$error":"#N/A"}},{"$f":"MAX(IF(B21=12,L6,L6-IF(B6=L17,IF(B7=I10,1.25,1.75),IF(B7=I10,1.5,2))),K2)","v":{"$error":"#N/A"}},{"$f":"IF(M32=J8,4.25,4.55)+IF(B11=L10,0.5,0)","v":5.05},{"$f":"IF($J$17=$I$10,N6,N6+0.5)+IF(B6=L17,-0.25,0)","v":5.05},10,{"$f":"IF(R6=1,Q5+1,Q5)","v":{"$error":"#VALUE!"}},{"$f":"IF(R5=12,1,R5+1)","v":{"$error":"#VALUE!"}},{"$f":"S5","v":{"$error":"#VALUE!"}},{"$f":"T5+1","v":3},{"$f":"$U$4","v":2.11},{"$f":"IF($B$18=$M$20,V5-1,V5)","v":2.11},{"$f":"IF($B$18=$M$20,W5+1,W5)","v":2.11},null,null,null,"Családi állapot",{"$f":"Ügyféladatok!B8","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C8)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D8)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E8)","v":""},null,"Egyedülálló","","","",null,{"$f":"IF(AB6=AG6,0,1)","v":1},1,0,0]
["Bérátutalási feltételeket teljesíti vagy vállalja? I/N","I",{"$f":"IF(B7=\"N\",\"\",\"-0,50% kamat\")","v":"-0,50% kamat"},null,null,null,null,null,"most",{"$f":"VLOOKUP(M33,I4:J6,2,FALSE)","v":420},null,{"$f":"VLOOKUP($M$33,$I$4:$L$6,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"MAX(VLOOKUP($M$33,$I$4:$O$6,5,FALSE),M2)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP($M$33,$I$4:$P$6,8,FALSE)","v":9},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},4,2.11,{"$f":"V6","v":2.11},{"$f":"W6","v":2.11},null,null,null,"Legmagasabb iskolai végzettség",{"$f":"Ügyféladatok!B9","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C9)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D9)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E9)","v":""},null,"Főiskola","","","",null,1,1,0,0]
["Vagyonbiztosítási kamatkedvezményre jogosult? I/N","I",{"$f":"IF(B8=\"N\",\"\",\"-0,20% kamat\")","v":"-0,20% kamat"},null,null,null,null,null,"É","Induló díjakkal","Csak kamatos lakáshitel",null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},5,2.11,2.11,{"$f":"W7","v":2.11},null,null,null,"Jogviszony a jelenlegi tartózkodási helyen",{"$f":"Ügyféladatok!B18","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C18)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D18)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E18)","v":""},null,"Tulajdonos","","","",null,1,1,0,0]
["Életbiztosítási kamatkedvezményre jogosult? I/N","N",{"$f":"IF(B9=\"N\",\"\",\"-0,30% kamat\")","v":""},null,null,null,null,null,"V","Csak kamattal","Csak kamatos ingatlanfedezetű személyi hitel",null,null,null,"EUR hitel jellemzői",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},6,2.11,2.11,{"$f":"W8","v":2.11},null,null,null,"Mióta él jelenlegi lakcímén",{"$f":"Ügyféladatok!B19","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C19)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D19)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E19)","v":""},null,"4 - 10 év","","","",null,1,1,0,0]
["Elért kamatkedvezmények összesen",{"$f":"'PD kamat'!B10","v":{"$error":"#N/A"}},null,null,null,null,null,null,"I","Szemle","Otthon-korszerűsítő hitel","Nem kampány",null,null,"EUR %",{"$f":"P7/100","v":0.09},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},7,2.11,2.11,2.11,null,null,null,"Elsődleges bank (jövedelem átutalás)",{"$f":"Ügyféladatok!B25","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C25)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D25)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E25)","v":""},null,"Deutsche Bank","","","",null,1,1,0,0]
["Kampánykedvezmény?","Nem kampány",null,null,null,null,null,null,"N","Számla",null,"Díjkedvezmény 50%",null,null,"FX margin",0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},8,2.11,2.11,2.11,null,null,null,"Hitelkártya keretösszeg",{"$f":"Ügyféladatok!B26","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C26)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D26)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E26)","v":""},null,0,"","","",null,0,1,0,0]
["Értékbecslések díja összesen HUF","KITÖLTENI!",{"$f":"IF(AND(M32=J8,B11=L10),\"Mindet írd be!\",\"Az első értékbecslés díja nélkül írd be!\")","v":"Az első értékbecslés díja nélkül írd be!"},null,null,null,null,null,"Normál",null,null,"Díjkedvezmény 100%",null,null,"HUF/EUR",270,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},9,2.11,2.11,2.11,null,null,null,"Folyószámla hitelkeret összege",{"$f":"Ügyféladatok!B27","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C27)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D27)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E27)","v":""},null,0,"","","",null,0,1,0,0]
["Helyszíni szemlék díja összesen HUF","KITÖLTENI!",{"$f":"IF(AND(M32=J8,B11=L10),\"Mindet írd be!\",\"Az első helyszíni szemle díja nélkül írd be!\")","v":"Az első helyszíni szemle díja nélkül írd be!"},null,null,null,null,null,"4000+",null,null,"OC/DH kedvezmény",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},10,2.11,2.11,2.11,null,null,null,"Összes havi rendszeres törlesztés",{"$f":"Ügyféladatok!B28","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C28)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D28)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E28)","v":""},null,0,"","","",null,0,1,0,0]
["Tulajdoni lap lekérések száma (0 - 6)",2,{"$f":"IF(AND(B5=J8,B11=L10),B14*3000,IF(B14>2,(B14-2)*3000,0))","v":0},null,null,null,null,null,"Minimálbéres finanszírozás?","N",null,"Normál",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},11,2.11,2.11,2.11,null,null,null,"Önállóan elfogadható jövedelem",{"$f":"Ügyféladatok!B31","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C31)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D31)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E31)","v":""},null,74981,"","","",null,1,1,0,0]
["Értékbecsléshez helyszínrajz lekérések száma (0 - 3)",0,{"$f":"IF(AND(B5=J8,B11=L10),B15*4000,IF(B15>1,(B15-1)*4000,0))","v":0},null,null,null,null,null,"Türelmi idő: I/N (hónap)",{"$f":"IF(B2=I45,\"I\",\"N\")","v":"N"},{"$f":"IF(J15=I10,60,0)","v":0},"Csoportos bérszámla",null,null,null,0,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},12,2.11,{"$f":"IF($B$18=$M$21,V14-1,V14)","v":1.1099999999999999},{"$f":"IF($B$18=$M$21,W14+1,W14)","v":3.11},null,null,null,"Kiegészítő jövedelem",{"$f":"Ügyféladatok!B32","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C32)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D32)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E32)","v":""},null,1,"","","",null,1,1,0,0]
["Ingatlannal kapcsolatos költségek HUF",{"$f":"IF(AND(B2=K10,K94=J10),19050+C14+C15,IF(AND(J52=I8,M33<>I6),B12+B13+C14+C15,B12+C14+C15))","v":{"$error":"#VALUE!"}},{"$f":"B16","v":{"$error":"#VALUE!"}},null,null,null,null,null,"Kondíció","Normál",null,"4000+",null,null,null,{"$f":"P15+1","v":1},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},13,2.11,1.1099999999999999,{"$f":"W15","v":3.11},null,null,null,"Levonás/letiltás a jövedelemből",{"$f":"Ügyféladatok!B33","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C33)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D33)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E33)","v":""},null,0,"","","",null,0,1,0,0]
["Szerződéskötési díj (folyósítási jut.)",{"$f":"IF(OR(B5=J9,B6=L16,B11=L12,B11=L13),0,IF(OR(B6=L15,B11=L11),0.5%,1%))","v":0},{"$f":"MIN(200000,B20*B17)","v":0},null,null,null,null,null,"Van 3 hónapja bankszámlája? I/N","I",{"$f":"IF(J17=\"I\",\"\",\"+0,5% kamat\")","v":""},"Prémium bankos",null,null,null,2,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},14,2.11,1.1099999999999999,3.11,null,null,null,"Jövedelemmel rendelkezők száma",{"$f":"Ügyféladatok!B34","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C34)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D34)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E34)","v":""},null,2,"","","",null,1,1,0,0]
["Kamatperiódus","1 év",null,null,null,null,null,null,"Ki van töltve az értékbecslés?",null,null,"Prémium bankos kezdeti ktg",null,null,null,3,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},15,2.11,1.1099999999999999,3.11,null,null,null,"Eltartottak száma a háztartásban",{"$f":"Ügyféladatok!B35","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C35)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D35)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E35)","v":""},null,1,"","","",null,1,1,0,0]
[{"$f":"IF(B18=M20,\"Aktuális 3 havi BUBOR (input cella: B41)\",IF(B18=M21,\"Aktuális 12 havi BUBOR (input cella: B42)\",\"\"))","v":"Aktuális 12 havi BUBOR (input cella: B42)"},{"$f":"IF(B18=M20,N20,IF(B18=M21,N21,\"\"))","v":2.1100000000000001E-2},null,null,null,null,null,null,{"$f":"ISERR(B16)","v":true},{"$f":"ISERR(I19)","v":false},{"$f":"IF(I19=J19,1,0)","v":0},null,null,null,null,4,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},16,2.11,1.1099999999999999,3.11,null,null,null,"Munkáltatói cégforma",{"$f":"Ügyféladatok!B38","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C38)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D38)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E38)","v":""},null,"Egyesülés","","","",null,1,1,0,0]
["Igényelt hitelösszeg (HUF)",5000000,null,null,null,null,null,null,null,null,null,null,"3 hónap",{"$f":"+B41","v":2.1000000000000001E-2},3,5,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},17,2.11,1.1099999999999999,3.11,null,null,null,"Gazdasági szektor",{"$f":"Ügyféladatok!B39","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C39)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D39)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E39)","v":""},null,"Élelmiszeripar","","","",null,1,1,0,0]
["Futamidő (hónap)",240,{"$f":"IF(B21>J7,\"HIBA: Túl hosszú a futamidő!\",IF(B21<J101,\"HIBA: Túl rövid a futamidő!\",\"\"))","v":""},null,null,null,null,null,"havi részlet a jövedelemkalkulációhoz",null,null,null,"1 év",{"$f":"+B42","v":2.1100000000000001E-2},12,6,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},18,2.11,1.1099999999999999,3.11,null,null,null,"Foglalkoztatás minősége",{"$f":"Ügyféladatok!B40","v":0},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C40)","v":0},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D40)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E40)","v":""},null,"Alkalmazott","","","",null,1,1,0,0]
["Törlesztési dátumok hónapon belül",null,null,null,null,null,null,null,{"$f":"PMT(B28/12,B21-K15,-B20)","v":{"$error":"#VALUE!"}},null,null,null,"3 év",{"$f":"+K103","v":2.81E-2},36,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},19,2.11,1.1099999999999999,3.11,null,null,null,"Munkaviszony kezdete",{"$f":"Ügyféladatok!B41","v":"00:00:00"},{"$f":"IF(Ügyféladatok!C$2=\"Nincs\",\"\",Ügyféladatok!C41)","v":"00:00:00"},{"$f":"IF(Ügyféladatok!D$2=\"Nincs\",\"\",Ügyféladatok!D41)","v":""},{"$f":"IF(Ügyféladatok!E$2=\"Nincs\",\"\",Ügyféladatok!E41)","v":""},null,"2014-05-01","","","",null,1,1,0,0]
["Hitelkérelem befogadásának dátuma",null,{"$f":"IF(B23=\"\",\"\",IF(I60=6,\"Ez szombat!\",IF(I60=7,\"Ez vasárnap!\",\"\")))","v":""},null,null,null,null,null,{"$f":"IF(OR('PD kamat'!D3=\"kevés adat\",Stabil!H9<>\"\",B26<>I82,AL1<>0),\"\",IF(ISERROR('PD kamat'!D4)=TRUE,\"Hiányos adatok!\",IF(AND('PD kamat'!D27=\"OK\",'PD kamat'!D51=\"OK\"),'PD kamat'!D4,\"\")))","v":{"$error":"#VALUE!"}},{"$f":"ISERR(I23)","v":true},null,null,"5 év",{"$f":"+K104","v":3.3000000000000002E-2},60,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},20,2.11,1.1099999999999999,3.11,null,null,null,"Hiteltípus",{"$f":"B2","v":"Lakáshitel"},null,null,null,null,"Lakáshitel",null,null,null,null,0]
["Folyósítás várható dátuma",{"$f":"IF(B23=\"\",\"\",P116)","v":""},null,null,null,null,null,null,"Kitölteni!",null,null,null,null,{"$f":"VLOOKUP(B18,M20:N23,2,FALSE)","v":2.1100000000000001E-2},null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},21,2.11,1.1099999999999999,3.11,null,null,null,"Lakáshitel esetén a hitelcél",{"$f":"B3","v":"Használt lakás/ház vásárlása"},null,null,null,null,"Használt lakás/ház vásárlása",null,null,null,null,0]
["Első törlesztés dátuma",{"$f":"IF(B23=\"\",\"\",P122)","v":""},"Első kamatperiódus vége:",{"$f":"IF(B23=\"\",\"\",J109)","v":""},null,null,null,null,"Eladási árfolyamok",null,null,null,"Szenzációs",null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},22,2.11,1.1099999999999999,3.11,null,null,null,"Induló díjakkal vagy csak kamattal",{"$f":"B5","v":"Csak kamattal"},null,null,null,null,"Csak kamattal",null,null,null,null,0]
["Kockázati besorolás (árkategória)",null,{"$f":"IF(OR(Stabil!H9<>\"\",B26<>I82,AL1<>0),\"\",IF(ISERROR('PD kamat'!D4)=TRUE,\"Hiányos adatok!\",IF(AND('PD kamat'!D27=\"OK\",'PD kamat'!D51=\"OK\"),'PD kamat'!D4,\"\")))","v":{"$error":"#VALUE!"}},null,null,null,null,null,"2 szinuszgörbe",null,null,null,"Csak kamattal",null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},23,2.11,1.1099999999999999,3.11,null,null,null,"Kondíció",{"$f":"B6","v":"Normál"},null,null,null,null,"Normál",null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,"periódus","sáv +/-",null,"Induló díjakkal",null,"havi",12,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},24,2.11,1.1099999999999999,3.11,null,null,null,"Bérátutalási feltételeket teljesíti vagy vállalja? I/N",{"$f":"B7","v":"I"},null,null,null,null,"I",null,null,null,null,0]
["A hitel kezdeti ügyleti kamatlába",{"$f":"IF(OR(AND(B26=I82,ISERROR('PD kamat'!D4)=TRUE),B26=\"\",ISERR(VLOOKUP(M33,I4:M6,4,FALSE))=TRUE,AND(B2<>I44,OR(B26=\"K5\",B26=\"K6\"))),\"\",'PD kamat'!B14)","v":""},{"$f":"IF(OR(B18=M22,B18=M23,B28=\"\"),\"\",'PD kamat'!A14)","v":""},null,null,null,null,null,"1. görbe",30,0.06,"abs",null,null,"negyedéves",4,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},25,2.11,1.1099999999999999,3.11,null,null,null,"Vagyonbiztosítási kamatkedvezményre jogosult? I/N",{"$f":"B8","v":"I"},null,null,null,null,"I",null,null,null,null,0]
[null,null,null,null,null,null,null,null,"2. görbe",7,0.04,{"$f":"IF(M32=J8,I79,I80)","v":"A hitel kezdeti törlesztési kamatlába "},{"$f":"IF(M32=J9,B28,IF(ISERR(M7)=TRUE,\"\",M7/100))","v":""},null,"féléves",2,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},26,2.11,1.1099999999999999,3.11,null,null,null,"Életbiztosítási kamatkedvezményre jogosult? I/N",{"$f":"B9","v":"N"},null,null,null,null,"N",null,null,null,null,0]
["Jövedelemkalkuláció eredménye: ",null,{"$f":"IF(B26=\"\",\"\",IF(AND(B26=I82,ISERROR('PD kamat'!D4)=TRUE),\"\",IF('PD kamat'!D51<>\"OK\",\"A jövedelem nem elegendő!\",\"\")))","v":""},null,null,null,null,null,"alap",null,1.4999999999999999E-2,null,null,null,"éves",1,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},27,2.11,1.1099999999999999,3.11,null,null,null,"Kamatperiódus",{"$f":"B18","v":"1 év"},null,null,null,null,"3 év",null,null,null,null,1]
["Fedezet(ek) becsült forgalmi értéke (HUF)",null,{"$f":"IF('PD kamat'!D27<>\"OK\",\"A fedezet nem elegendő!\",\"\")","v":{"$error":"#DIV/0!"}},null,null,null,null,null,"Szenzációs",null,null,null,null,null,null,{"$f":"IF(C38=\"\",0,VLOOKUP(C38,O27:P30,2,FALSE))","v":0},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},28,2.11,1.1099999999999999,3.11,null,null,null,"Igényelt hitelösszeg (HUF)",{"$f":"B20","v":5000000},null,null,null,null,6000000,null,null,null,null,1]
["Fedezet ingatlan irányítószáma",null,null,null,null,null,null,null,"Lakáshitel csak kamattal",null,null,"Induló díjakkal v. Csak kamatos?",{"$f":"IF(B5=J8,M27,M26)","v":"Csak kamattal"},null,"csop. beszedés",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},29,2.11,1.1099999999999999,3.11,null,null,null,"Futamidő (hónap)",{"$f":"B21","v":240},null,null,null,null,240,null,null,null,null,0]
["A fedezetre már bejegyzettből fennmaradó terhek (HUF)",null,null,null,null,null,null,null,"Otthon-korszerűsítő hitel",null,null,"Lakáshitel v. Célszabfel v. Ingatlanfedezetű személyi?",{"$f":"IF(B2=I46,I6,IF(B2=I45,I5,I4))","v":"Lakás"},null,"csekkes",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},30,2.11,1.1099999999999999,3.11,null,null,null,"Fedezet(ek) becsült forgalmi értéke (HUF)",{"$f":"B31","v":0},null,null,null,null,9000000,null,null,null,null,1]
["Párhuzamosan igényelt bejegyzendő jelzáloghitel (HUF)",null,null,null,null,null,null,null,"Személyi hitel csak kamattal",null,null,null,null,null,"átutalás",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},31,2.11,1.1099999999999999,3.11,null,null,null,"Fedezet ingatlan irányítószáma",{"$f":"B32","v":0},null,null,null,null,1555,null,null,null,null,1]
["Folyószámla havi számlavezetési díj",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},32,2.11,1.1099999999999999,3.11,null,null,null,"A fedezetre már bejegyzettből fennmaradó terhek (HUF)",{"$f":"B33","v":0},null,null,null,null,0,null,null,null,null,0]
["Csoportos beszedés díja",null,null,null,null,null,null,null,"Lakáshitel csak kamattal",null,null,"Csak kamatos lakáshitel",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},33,2.11,1.1099999999999999,3.11,null,null,null,"Párhuzamosan igényelt bejegyzendő jelzáloghitel (HUF)",{"$f":"B34","v":0},null,null,null,null,0,null,null,null,null,0]
["Földhivatali bejegyzések száma",null,{"$f":"B37*12600","v":0},null,null,null,null,null,"Otthon-korszerűsítő hitel csak kamattal",null,null,"Csak kamatos Otthon-korszerűsítő hitel",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},34,2.11,1.1099999999999999,3.11,null,null,null,"BUBOR",{"$f":"'PD kamat'!I6","v":2.1100000000000001E-2},null,null,null,null,2.81E-2,null,null,null,null,1]
["Kockázati életbiztosítás gyakoriság szerinti díja",null,null,null,null,null,null,null,"Személyi hitel csak kamattal",null,null,"Csak kamatos ingatlanfedezetű személyi hitel",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},35,2.11,1.1099999999999999,3.11]
["Kockázati életbiztosítás egyszeri díja",null,null,null,null,null,null,null,"Lakáshitel kezdeti díjakkal",null,null,"Induló díjakkal lakáshitel",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},36,2.11,{"$f":"IF($B$18=$M$22,V38-1,V38)","v":1.1099999999999999},{"$f":"IF($B$18=$M$22,W38+1,W38)","v":3.11}]
["Hitelközvetítőnek fizetett díj",null,null,null,null,null,null,null,"Otthon-korszerűsítő hitel kezdeti díjakkal",null,null,"Induló díjakkal Otthon-korszerűsítő hitel",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},37,2.11,1.1099999999999999,3.11]
["Aktuális 3 havi BUBOR",2.1000000000000001E-2,null,null,null,null,null,null,"Személyi hitel kezdeti díjakkal",null,null,"Induló díjakkal ingatlanfedezetű személyi hitel",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},38,2.11,1.1099999999999999,3.11]
["Aktuális 12 havi BUBOR",2.1100000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},39,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},40,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"Lakáshitel",null,null,{"$f":"CONCATENATE(VLOOKUP(B5,$I$49:$J$50,2,FALSE),\" lakáshitel\")","v":"Csak kamatos lakáshitel"},null,null,null,null,{"$f":"IF(R44=1,Q43+1,Q43)","v":{"$error":"#VALUE!"}},{"$f":"IF(R43=12,1,R43+1)","v":{"$error":"#VALUE!"}},{"$f":"S43","v":{"$error":"#VALUE!"}},41,2.11,1.1099999999999999,3.11]
[{"$f":"IF(B2=I45,\"Havi részlet a türelmi idő alatt:\",\"Havi részlet:\")","v":"Havi részlet:"},{"$f":"IF(B26=\"\",\"\",IF(AND(B26=I82,ISERROR('PD kamat'!D4)=TRUE),\"\",IF(OR(A47=\"Ki kell tölteni az értékbecslési díjakat…\",A47=\"Kattints a Kalkuláció indító gombra\"),\"\",IF(B2=I45,Stabil!Z12,I22))))","v":""},null,null,null,null,null,null,"Lakáshitel - lakás-előtakarékossággal",null,null,{"$f":"CONCATENATE(VLOOKUP(B5,$I$49:$J$50,2,FALSE),\" lakáshitel - lakás-előtakarékossággal\")","v":"Csak kamatos lakáshitel - lakás-előtakarékossággal"},null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},42,2.11,1.1099999999999999,3.11]
[{"$f":"IF(B2=I45,\"Havi részlet a türelmi idő után:\",\"\")","v":""},{"$f":"IF(OR(B26=\"\",B2<>I45,AND(B26=I82,ISERROR('PD kamat'!D4)=TRUE)),\"\",IF(OR(A47=\"Ki kell tölteni az értékbecslési díjakat…\",A47=\"Kattints a Kalkuláció indító gombra\"),\"\",I22))","v":""},null,null,null,null,null,null,"Személyi hitel",null,null,{"$f":"CONCATENATE(VLOOKUP(B5,$I$49:$J$50,2,FALSE),\" ingatlanfedezetű személyi hitel\")","v":"Csak kamatos ingatlanfedezetű személyi hitel"},null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},43,2.11,1.1099999999999999,3.11]
[{"$f":"IF(B26=\"\",\"\",IF(AND(B26=I82,ISERROR('PD kamat'!D4)=TRUE),\"\",IF(K19=0,\"Ki kell tölteni az értékbecslési díjakat…\",IF(Stabil!H9=\"\",CONCATENATE(\"THM: \",Stabil!I8*100,\"%\"),\"Kattints a Kalkuláció indító gombra\"))))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},44,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,null,null,null,"A hitel nyújtható.",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},45,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,{"$f":"+J9","v":"Csak kamattal"},"Csak kamatos",null,"A hitel nem nyújtható.",null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},46,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,{"$f":"+J8","v":"Induló díjakkal"},"Induló díjas",null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},47,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},48,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"Ép/Vás",{"$f":"VLOOKUP(B3,Appl!Q8:T22,4,FALSE)","v":"V"},null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},49,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},50,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,null,"min","max",null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},51,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"Lakás",1000000,100000000,null,"Szenzációs lakáshitel",null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},52,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"Lakáshitel - lakás-előtakarékossággal",1000000,100000000,null,"Lakáshitel csak kamattal",null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},53,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"Személyi",500000,100000000,null,"Személyi hitel csak kamattal",null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},54,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"most",{"$f":"VLOOKUP(M33,I55:K57,2,FALSE)","v":1000000},{"$f":"VLOOKUP(M33,I55:K57,3,FALSE)","v":100000000},null,null,null,"periódusok száma",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},55,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"hét napjai",null,null,null,null,null,{"$f":"ROUNDUP(B21/3,0)","v":80},null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},56,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,{"$f":"WEEKDAY(B23,2)","v":6},null,null,null,null,null,{"$f":"MIN(O59,72)","v":72},null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},57,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,{"$f":"WEEKDAY(B25,2)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},58,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"Építési vagy Vásárlási? É/V",null,{"$f":"IF(OR(M33=I5,M33=I6),\"É\",\"fehér\")","v":"fehér"},null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},59,2.11,1.1099999999999999,{"$f":"W61","v":3.11}]
[null,null,null,null,null,null,null,null,"nem kell építési vagy vásárlási? É/V ",null,{"$f":"IF(OR(M33=I5,M33=I6),\"V\",\"fehér\")","v":"fehér"},null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},60,2.11,{"$f":"IF($B$18=$M$23,V62-1,V62)","v":1.1099999999999999},{"$f":"IF($B$18=$M$23,W62+1,W62)","v":3.11}]
[null,null,null,null,null,null,null,null,"Helyszíni szemle vagy számlás igazolás?",null,{"$f":"IF(M33<>I5,J10,\"fehér\")","v":"Szemle"},null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},61,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,"nem kell Helyszíni szemle vagy számlás igazolás?",null,{"$f":"IF(M33<>I5,J11,\"fehér\")","v":"Számla"},null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},62,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,null,null,null,"lakás","személyi",null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},63,2.11,{"$f":"V65","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"normál ügyleti kamat",{"$f":"+U4+N4","v":6.16},{"$f":"U4+N6","v":7.16},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},64,2.11,{"$f":"V66","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"DPM kalk",{"$f":"IF(B21=12,L67,(L67-2+IF(B21>300,1,0)))","v":4.16},{"$f":"IF(B21=12,M67,M67-2)","v":5.16},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},65,2.11,{"$f":"V67","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"DPM min",{"$f":"IF(B21>300,K1+1,K1)","v":7},{"$f":"K2","v":8},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},66,2.11,{"$f":"V68","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"DPM",{"$f":"MAX(L68:L69)","v":7},{"$f":"MAX(M68:M69)","v":8},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$f":"T69+1","v":67},{"$f":"$U$4","v":2.11},{"$f":"V69","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"kamatfeláras ügyleti kamat",{"$f":"L67+0.5","v":6.66},{"$f":"M67+0.5","v":7.66},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},68,2.11,{"$f":"V70","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"kamatfeláras DPM",{"$f":"L70+0.5","v":7.5},{"$f":"M70+0.5","v":8.5},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},69,2.11,{"$f":"V71","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"ügyleti kamat",{"$f":"IF($J$17=$I$11,L71,L67)","v":6.16},{"$f":"IF($J$17=$I$11,M71,M67)","v":7.16},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},70,2.11,{"$f":"V72","v":1.1099999999999999},{"$f":"W72","v":3.11}]
[null,null,null,null,null,null,null,null,null,null,"DPM kamat",{"$f":"IF($J$17=$I$11,L72,L70)","v":7},{"$f":"IF($J$17=$I$11,M72,M70)","v":8},null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},71,2.11,{"$f":"V73","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"ügyleti kamat",{"$f":"IF(M33=I4,L73,M73)","v":6.16},null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},72,2.11,{"$f":"V74","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"DPM kamat",{"$f":"IF(M33=I4,L74,M74)","v":7},null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},73,2.11,{"$f":"V75","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},74,2.11,{"$f":"V76","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},75,2.11,{"$f":"V77","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"A hitel kezdeti törlesztési kamatlába",null,null,null,null,null,0,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},76,2.11,{"$f":"V78","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"A hitel kezdeti törlesztési kamatlába ",null,null,null,null,null,{"$f":"+O79+6","v":6},null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},77,2.11,{"$f":"V79","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},78,2.11,{"$f":"V80","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Kalkulált: ",null,"adóstársakhoz",null,null,null,18,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},79,2.11,{"$f":"V81","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Manuális: K1",null,"Jövedelmével bevont szereplő",null,null,null,24,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},80,2.11,{"$f":"V82","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Manuális: K2",null,"Jövedelme nélküli szereplő",null,null,null,30,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},81,2.11,{"$f":"V83","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Manuális: K3",null,"Nincs",null,null,null,36,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},82,2.11,{"$f":"V84","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Manuális: K4",null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},83,2.11,{"$f":"V85","v":1.1099999999999999},{"$f":"W85","v":3.11}]
[null,null,null,null,null,null,null,null,{"$f":"IF(B2=I46,\"\",\"Manuális: K5\")","v":"Manuális: K5"},null,null,null,null,null,"Használt lakás/ház vásárlása",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},84,2.11,{"$f":"V86","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,{"$f":"IF(B2=I46,\"\",\"Manuális: K6\")","v":"Manuális: K6"},null,null,null,null,null,"Új lak./ház vásárlása (kulcsrakész)",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},85,2.11,{"$f":"V87","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Hiányos adatok!",null,null,null,null,null,"Lakásépítés",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},86,2.11,{"$f":"V88","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Felújítás",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},87,2.11,{"$f":"V89","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bővítés",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},88,2.11,{"$f":"V90","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Korszerűsítés",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},89,2.11,{"$f":"V91","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Közmű bevezetése",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},90,2.11,{"$f":"V92","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(M33=I5,I64,I65)","v":"nem kell Helyszíni szemle vagy számlás igazolás?"},"Számla",null,null,null,"Szerkezetkész ingatlan megvásárlása",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},91,2.11,{"$f":"V93","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Egyéb ingatlan vásárlása",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},92,2.11,{"$f":"V94","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Egyéb ingatlan építés",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},93,2.11,{"$f":"V95","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Építési telek vásárlása",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},94,2.11,{"$f":"V96","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Lakás",12,null,null,null,null,"Földvásárlás",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},95,2.11,{"$f":"V97","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Lakáshitel - lakás-előtakarékossággal",60,null,null,null,null,"Belf. pénzintézet által nyújtott hitel kiváltása",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},96,2.11,{"$f":"V98","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"Személyi",12,null,null,null,null,"Külf. pénzintézet által nyújtott hitel kiváltása",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},97,2.11,{"$f":"V99","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"most",{"$f":"VLOOKUP(M33,I98:J100,2,FALSE)","v":12},null,null,null,null,"Egyéb",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},98,2.11,{"$f":"V100","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},99,2.11,{"$f":"V101","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,"2015 feb 3 éves ÁKK",2.81E-2,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},100,2.11,{"$f":"V102","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,"2015 feb 5 éves ÁKK",3.3000000000000002E-2,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},101,2.11,{"$f":"V103","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},102,2.11,{"$f":"V104","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},103,2.11,{"$f":"V105","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},104,2.11,{"$f":"V106","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(\"A \",VLOOKUP(B18,M20:O23,3,FALSE),\". esedékesség\")","v":"A 12. esedékesség"},null,null,null,null,null,null,{"$f":"IF(R108=1,Q107+1,Q107)","v":{"$error":"#VALUE!"}},{"$f":"IF(R107=12,1,R107+1)","v":{"$error":"#VALUE!"}},{"$f":"S107","v":{"$error":"#VALUE!"}},105,2.11,{"$f":"V107","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(B18=M20,DATE(Q6,R6,S6),IF(B18=M21,DATE(Q15,R15,S15),IF(B18=M22,DATE(Q39,R39,S39),DATE(Q63,R63,S63))))","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},106,2.11,{"$f":"V108","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},107,2.11,{"$f":"V109","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},108,2.11,{"$f":"V110","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"folyósítás",25,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},109,2.11,{"$f":"V111","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"törlesztés",10,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},110,2.11,{"$f":"V112","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},111,2.11,{"$f":"V113","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},112,2.11,{"$f":"V114","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"folyósít",{"$f":"VLOOKUP(P112,M125:P296,4,FALSE)","v":"1900-02-03"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},113,2.11,{"$f":"V115","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"törlesztene1",{"$f":"VLOOKUP(P112+P113,M125:P296,4,FALSE)","v":"1900-02-17"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},114,2.11,{"$f":"V116","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"törlesztene2",{"$f":"DATE(YEAR(P117),MONTH(P117),B22)","v":"1900-01-31"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},115,2.11,{"$f":"V117","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},116,2.11,{"$f":"V118","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,"év","hónap","nap",null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},117,2.11,{"$f":"V119","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"YEAR(P118)","v":1900},{"$f":"MONTH(P118)","v":1},{"$f":"DAY(P118)","v":31},null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},118,2.11,{"$f":"V120","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(P118<=P117,M121=12),L121+1,L121)","v":1900},{"$f":"IF(AND(P118<=P117,M121=12),1,IF(P118<=P117,M121+1,M121))","v":2},{"$f":"N121","v":31},"törleszt",{"$f":"DATE(L122,M122,N122)","v":"1900-03-02"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},119,2.11,{"$f":"V121","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},120,2.11,{"$f":"V122","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,null,"hét napja","munkanap","kum munkanap",null,"Ünnepek",null,{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},121,2.11,{"$f":"V123","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,"befogadás",{"$f":"+B23","v":"00:00:00"},{"$f":"WEEKDAY(J125,2)","v":6},{"$f":"IF(OR(K125=6,K125=7),0,1)-N125","v":0},0,{"$f":"IF(ISERROR(VLOOKUP(J125,$O$125:$O$156,1,FALSE))=TRUE,0,1)","v":0},"2014-01-01",{"$f":"+J125","v":"00:00:00"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},122,2.11,{"$f":"V124","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,{"$f":"J125+1","v":"1900-01-01"},{"$f":"WEEKDAY(J126,2)","v":7},{"$f":"IF(OR(K126=6,K126=7),0,1)-N126","v":0},{"$f":"+L126+M125","v":0},0,"2014-03-15",{"$f":"+J126","v":"1900-01-01"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},123,2.11,{"$f":"V125","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,{"$f":"J126+1","v":"1900-01-02"},{"$f":"WEEKDAY(J127,2)","v":1},1,{"$f":"+L127+M126","v":1},0,"2014-04-20","1900-01-02",{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},124,2.11,{"$f":"V126","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,"1900-01-03",2,1,2,0,"2014-05-01","1900-01-03",{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},125,2.11,{"$f":"V127","v":1.1099999999999999},3.11]
[null,null,null,null,null,null,null,null,null,"1900-01-04",3,1,3,0,"2014-06-09","1900-01-04",{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},126,2.11,1.1099999999999999,3.11]
[null,null,null,null,null,null,null,null,null,"1900-01-05",4,1,4,0,"2014-08-20","1900-01-05",{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},127,2.11,1.1099999999999999,3.11]
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[null,null,"\nIndikatív és kockázatfeltáró nyomtatás nyomógombbal.",null,null,null,null,null,null,null,null,null,null,null,"EPSON Stylus DX7000F Series a(z) Ne03: kimeneten"]
["I. Általános tájékoztatás a jelzáloghitelekről"]
["1.  A hitelezővel kapcsolatos adatok:  \n \n1.1 a hitelező neve (cégneve) és címe (székhelye): K&H Bank Zrt., H-1095 Budapest, Lechner Ödön fasor 9. "]
["   1.2 a hitelközvetítő neve (cégneve) és címe (székhelye): ",null,null,null,{"$f":"IF('Kezdő oldal'!B1=\"\",\"\",CONCATENATE('Kezdő oldal'!B1,\", \",'Kezdő oldal'!B2))","v":""}]
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["II. Személyes tájékoztatás a jelzáloghitelről"]
["Jelen tájékoztató nem minősül jogilag kötelező érvényű ajánlatnak."]
["A tájékoztatóban szereplő adatokat a K&H Bank Zrt. jóhiszeműen nyújtja és azon ajánlatát tükrözik, amelyet a rendelkezésre álló információk alapján a jelenlegi piaci feltételek mellett tenne. Az adatok a piaci feltételek változása esetén megváltozhatnak."]
["A tájékoztató nem kötelezi a K&H Bank Zrt.-t a hitel jóváhagyására."]
["1. Hitelező ","a hitelező neve (cégneve): K&H Bank Zrt.\ncíme: H-1095 Budapest, Lechner Ödön fasor 9.\ninternet címe: www.kh.hu",null,null,null,null,null,null,null,null,null,2,3,4,5,6]
["2. A termék leírása ",{"$f":"CONCATENATE(L30,M30)","v":"K&H üzleti feltételű lakáshitelt lakó- vagy üdülő ingatlan vásárlásra, - építésre, - bővítésre, - korszerűsítésre, - felújításra illetve lakáscélú hitelek refinanszírozására nyújtjuk."},null,null,null,null,null,null,null,null,null,"név","hitelcél","biztosíték","türelmivel","no türelmi"]
[null,{"$f":"CONCATENATE(L30,N30)","v":"K&H üzleti feltételű lakáshitelt esetén az ingatlanon jelzálogjog kerül bejegyzésre a K&H Bank Zrt. javára. "},null,null,null,null,null,null,null,null,"Szenzációs lakáshitel","K&H szenzációs forinthitelt ingatlanfedezettel lakás célra"," lakó- vagy üdülő ingatlan vásárlásra, - építésre, - bővítésre, - korszerűsítésre, - felújításra illetve lakáscélú hitelek refinanszírozására nyújtjuk."," esetén az ingatlanon jelzálogjog kerül bejegyzésre a K&H Bank Zrt. javára. "," esetén a konstrukció paramétereinek megfelelő türelmi idő alatt nem kell tőkét törleszteni, hanem kizárólag kamatot kell megfizetni. Ezt követően a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "," esetén a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "]
[null,{"$f":"CONCATENATE(Indikatív!L30,Indikatív!O30)","v":"K&H üzleti feltételű lakáshitelt esetén a konstrukció paramétereinek megfelelő türelmi idő alatt nem kell tőkét törleszteni, hanem kizárólag kamatot kell megfizetni. Ezt követően a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "},null,null,null,null,null,null,null,null,"Lakáshitel","K&H üzleti feltételű lakáshitelt"," lakó- vagy üdülő ingatlan vásárlásra, - építésre, - bővítésre, - korszerűsítésre, - felújításra illetve lakáscélú hitelek refinanszírozására nyújtjuk."," esetén az ingatlanon jelzálogjog kerül bejegyzésre a K&H Bank Zrt. javára. "," esetén a konstrukció paramétereinek megfelelő türelmi idő alatt nem kell tőkét törleszteni, hanem kizárólag kamatot kell megfizetni. Ezt követően a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "," esetén a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "]
[null,{"$f":"IF(Alapadatok!B2=Alapadatok!I45,\"\",\"A hitel felvétele nem függ harmadik fél által vállalt kezességtől.\")","v":"A hitel felvétele nem függ harmadik fél által vállalt kezességtől."},null,null,null,null,null,null,null,null,"Otthon-korszerűsítő hitel","K&H otthon-korszerűsítő hitelt"," lakásának korszerűsítésével kapcsolatos kiadások finanszírozására, illetve építési telek vagy egyéb ingatlan vásárlására nyújtjuk."," esetén az ingatlanon jelzálogjog kerül bejegyzésre a K&H Bank Zrt. javára. "," esetén a konstrukció paramétereinek megfelelő türelmi idő alatt nem kell tőkét törleszteni, hanem kizárólag kamatot kell megfizetni. Ezt követően a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen."," esetén a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "]
[null,"A fogyasztó által biztosítandó önerő mértéke a körültekintő lakossági hitelezés feltételeiről és a hitelképesség vizsgálatáról szóló a 361/2009. kormányrendelet alapján forint alapú hitel esetén legalább 20%. Amennyiben a fedezetként felajánlott ingatlanon kívül/helyett további, a K&H Bank által elfogadható fedezet kerül felajánlásra, úgy az önerő mértéke 0%-ig is csökkenthető. ",null,null,null,null,null,null,null,null,"Személyi hitel","K&H ingatlanfedezetű személyi hitelt"," szabadon felhasználhatja bármilyen célra."," esetén az ingatlanon jelzálogjog kerül bejegyzésre a K&H Bank Zrt. javára. "," esetén a konstrukció paramétereinek megfelelő türelmi idő alatt nem kell tőkét törleszteni, hanem kizárólag kamatot kell megfizetni. Ezt követően a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen."," esetén a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "]
["3. A kölcsön ügyleti kamata",{"$f":"IF(K36=1,P32,P31)","v":"Kölcsön referencia kamatlába: a kamatperiódus kezdetét megelőző hónap utolsó munkanapja előtt 2 nappal érvényes 12 havi BUBOR."},null,null,null,null,null,null,null,null,"Lakáshitel - lakás-előtakarékossággal","K&H üzleti feltételű lakáshitel – lakás-előtakarékossággal"," lakó- vagy üdülő ingatlan vásárlásra, - építésre, - bővítésre, - korszerűsítésre, - felújításra nyújtjuk."," esetén az ingatlanon jelzálogjog kerül bejegyzésre a K&H Bank Zrt. javára. ","Amennyiben Ön a kölcsönszerződés megkötése időpontjában rendelkezik lakás-előtakarékossági szerződéssel, amely kiutalási időszakának vége nem későbbi, mint a kölcsönszerződés megkötése időpontjától számított 5 év, és ezt bemutatja a Bank részére, a kölcsön t örlesztése során a Bank egyedi tőketörlesztési ütemezést biztosít arra tekintettel, hogy szándékai szerint a szerződéskötéskor bemutatott lakáselőtakarékossági szerződéséből származó megtakarítást a kölcsön teljes vagy részleges rendezésére kívánja fordítani. Ennek megfelelően Önt a futamidő első 5 évében – erre irányuló kifejezett kérelem hiányában - tőketörlesztési kötelezettség nem terheli, ezen időszak alatt csak a kölcsön kamatait fizeti (Türelmi időszak). A kölcsön annuitásossá alakítását a futamidő első 5 évében Ön is bármikor kérheti, de legkésőbb az első kamatfizetés esedékességétől számított 60. hónap elteltével a kölcsön annuitásossá alakul, és az egyes törlesztőrészletekben innentől kezdve a kölcsön tőkerészét is törlesztenie kell. A szerződéskötéskor bemutatott lakás-előtakarékossági szerződésből származó megtakarítási összeget a kölcsönszerződés futamideje alatt az első alkalommal díjmentesen a kölcsön előtörlesztésére fordíthatja, amelynek folytán a tőketörlesztést is tartalmazó törlesztőrészletek összege jelentősen csökkenthet."]
[null,{"$f":"IF(K36=1,P33,P37)","v":"A Bank tájékoztatja az Adóst, hogy az irányadó referenciakamat mértéke 2015.2 hónapra vonatozóan 2,11%. Kölcsön referencia kamatlábának mindenkori aktuális mértéke megtekinthető a Bank honlapján (www.kh.hu)."}]
[null,{"$f":"IF(K36=1,P36,P38)","v":{"$error":"#VALUE!"}}]
[null,{"$f":"IF(K36=1,P35,\"\")","v":"A Kölcsön ügyleti kamata a 12 havi BUBOR mértékét legfeljebb az aktuális Hirdetményben meghatározott eltéréssel haladja meg."}]
[null,{"$f":"+P44","v":"Kamatperiódus: tizenkettő (12) hónap kivéve az első kamatperiódust, amely a Folyósítás Napjától a 12. esedékességig tart.\nA Kamatperiódus a Kölcsön ügyleti kamatára vonatkozó azon időszak, amely alatt az ügyleti kamat mértéke állandó. Kivételt képez ez alól, ha az Adós elveszíti vagy visszanyeri valamely kamatkedvezményre való jogosultságát, amely következtében az ügyleti kamat a jogosultság megszűnését, illetőleg visszanyerését követő esedékességtől módosulhat.\nA Kamatperiódus megváltoztatása a mindenkori hatályos Hirdetményben rögzített határidők és feltételek teljesülése mellett, az Adós által benyújtott módosítási igény  alapján lehetséges."},null,null,null,null,null,null,null,null,{"$f":"Alapadatok!B2","v":"Lakáshitel"},{"$f":"VLOOKUP(Alapadatok!$B$2,Indikatív!$K$22:$P$28,L20,FALSE)","v":"K&H üzleti feltételű lakáshitelt"},{"$f":"VLOOKUP(Alapadatok!$B$2,Indikatív!$K$22:$P$28,M20,FALSE)","v":" lakó- vagy üdülő ingatlan vásárlásra, - építésre, - bővítésre, - korszerűsítésre, - felújításra illetve lakáscélú hitelek refinanszírozására nyújtjuk."},{"$f":"VLOOKUP(Alapadatok!$B$2,Indikatív!$K$22:$P$28,N20,FALSE)","v":" esetén az ingatlanon jelzálogjog kerül bejegyzésre a K&H Bank Zrt. javára. "},{"$f":"VLOOKUP(Alapadatok!$B$2,Indikatív!$K$22:$P$28,O20,FALSE)","v":" esetén a konstrukció paramétereinek megfelelő türelmi idő alatt nem kell tőkét törleszteni, hanem kizárólag kamatot kell megfizetni. Ezt követően a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "},{"$f":"VLOOKUP(Alapadatok!$B$2,Indikatív!$K$22:$P$28,P20,FALSE)","v":" esetén a tőketartozást a Bank havonta a K&H Banknál vezetett K&H forint lakossági bankszámláról szedi be a kamattal együttesen. "}]
[null,"Jelen ajánlatban szereplő „K” kategória az Ön által megadott adatok alapján került meghatározásra.\nA kérelem megfelelő \"K\" kategóriába sorolása a K&H Bank által végzett minősítésének eredménye.\n\nA Bank a Szerződésben meghatározott kamatot, díjat és költséget az ÁSZF-ben meghatározottak szerint jogosult módosítani.\n \nHa az Adós a módosítás ellen, annak hatályba lépéséig írásban nem tiltakozik, azt általa elfogadottnak kell tekinteni. A kamat, díj vagy költség Adós számára kedvezőtlen módosítása esetén - referencia kamatlábhoz kötött kamat esetén a referencia-kamatláb változásából eredő kamatváltozás kivételével – az Adós a módosítás hatálybalépése előtt jogosult a Szerződés díjmentes felmondására.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(K31,L31,M31)","v":""}]
[null,{"$f":"IF(Alapadatok!B5=Alapadatok!J9,Indikatív!K46,\"\")","v":"Induló díj nélküli (csak kamattal) konstrukciónál (Hirdetmény szerinti feltételek alapján) a feltüntetett ügyleti kamaton felül nem kell megfizetni az egyéb banki költségeket:\n- értékbecslés díját (egy ingatlan esetén)\n- tulajdoni lap lekérdezésre vonatkozó banki díját (Ügyintézési díj I.)\n- térképmásolat lekérdezésre vonatkozó díját (Ügyintézési díj II.)\n- szerződéskötési díjat "},null,null,null,null,null,null,null,null,"Kölcsön referencia kamatlába: a kamatperiódus kezdetét megelőző hónap utolsó munkanapja előtt 2 nappal érvényes ",{"$f":"IF(Alapadatok!B18=Alapadatok!M20,3,IF(Alapadatok!B18=Alapadatok!M21,12,\"\"))","v":12}," havi BUBOR.",null,null,{"$f":"CONCATENATE(K32,L32,M32)","v":"Kölcsön referencia kamatlába: a kamatperiódus kezdetét megelőző hónap utolsó munkanapja előtt 2 nappal érvényes 12 havi BUBOR."}]
["4. Teljes hiteldíj mutató ",{"$f":"IF(ABS(Stabil!AB10*100)<1,Stabil!I8,\"A THM értékének megállapításához még le kell futtatni a kalkulációt!\")","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,"A Bank tájékoztatja az Adóst, hogy az irányadó referenciakamat mértéke ",{"$f":"CONCATENATE(YEAR(TODAY()),\".\",MONTH(TODAY()))","v":"2015.2"}," hónapra vonatozóan ",{"$f":"Alapadatok!N24*100","v":2.11},"%. Kölcsön referencia kamatlábának mindenkori aktuális mértéke megtekinthető a Bank honlapján (www.kh.hu).",{"$f":"CONCATENATE(K33,L33,M33,N33,O33)","v":"A Bank tájékoztatja az Adóst, hogy az irányadó referenciakamat mértéke 2015.2 hónapra vonatozóan 2,11%. Kölcsön referencia kamatlábának mindenkori aktuális mértéke megtekinthető a Bank honlapján (www.kh.hu)."}]
[null,"A feltüntetett Teljes hiteldíj mutató (THM) meghatározása az aktuális feltételek, illetve a hatályos jogszabályok figyelembevételével történt. A feltételek változása esetén a mértékek módosulhatnak. A THM mutató értéke nem tükrözi a változó kamatozású hitelek kamatkockázatát.",null,null,null,null,null,null,null,null,"A Bank tájékoztatja az Adóst, hogy a Kölcsön referencia kamatlábának mértéke ",null,null,null,"%. Kölcsön referencia kamatlábának mindenkori aktuális mértéke megtekinthető az ÁKK Zrt. honlapján.",{"$f":"CONCATENATE(K34,L33,M33,N33,O34)","v":"A Bank tájékoztatja az Adóst, hogy a Kölcsön referencia kamatlábának mértéke 2015.2 hónapra vonatozóan 2,11%. Kölcsön referencia kamatlábának mindenkori aktuális mértéke megtekinthető az ÁKK Zrt. honlapján."}]
["5. A hitel összege és devizaneme ",{"$f":"+Alapadatok!B20","v":5000000},null,null,null,null,null,null,null,null,"A Kölcsön ügyleti kamata a ",{"$f":"+L32","v":12}," havi BUBOR mértékét legfeljebb az aktuális Hirdetményben meghatározott eltéréssel haladja meg.",null,null,{"$f":"CONCATENATE(K35,L35,M35)","v":"A Kölcsön ügyleti kamata a 12 havi BUBOR mértékét legfeljebb az aktuális Hirdetményben meghatározott eltéréssel haladja meg."}]
[null," forint",null,null,null,null,null,null,null,null,{"$f":"IF(OR(Alapadatok!B18=Alapadatok!M20,Alapadatok!B18=Alapadatok!M21),1,2)","v":1},null,null,null,"rövid",{"$f":"CONCATENATE(\"A Kölcsön ügyleti kamata változó, mértéke évi: \",Alapadatok!C28,\" (kamatfelár), amely kamatfelár fix, a futamidő alatt nem változik. A kamatláb jelenleg évi \",Alapadatok!B28*100,\"%.\")","v":{"$error":"#VALUE!"}}]
["6. A futamidő",{"$f":"CONCATENATE(Alapadatok!B21,\" hónap\")","v":"240 hónap"},null,null,null,null,null,null,null,null,null,null,null,null,"hosszú",{"$f":"CONCATENATE(\"A Kölcsön ügyleti kamata változó, mértéke évi: \",Alapadatok!B28*100,\"%.\")","v":{"$error":"#VALUE!"}}]
["7. A törlesztések száma és gyakorisága ",{"$f":"CONCATENATE(\"A törlesztőrészletek száma: \",Alapadatok!B21-Alapadatok!K15,IF(Alapadatok!B2=Alapadatok!I45,\" (a Türelmi időszakban esedékes kamatfizetések számát nem tartalmazza)\",\"\"),\" \nKamat fizetés gyakorisága: havonta, esedékességkor\nTőketörlesztés gyakorisága: havonta, \",IF(Alapadatok!B2=Alapadatok!I45,\"a Türelmi időt követően esedékességkor.\",\"esedékességkor.\"))","v":"A törlesztőrészletek száma: 240 \nKamat fizetés gyakorisága: havonta, esedékességkor\nTőketörlesztés gyakorisága: havonta, esedékességkor."},null,null,null,null,null,null,null,null,null,null,null,null,null,"Az ügyleti kamat a következő kamatperiódus vonatkozásában a szerződésben rögzített kamatváltoztatási mutató alapján, az irányadó szerződési feltételeknek megfelelően, a mindenkori hatályos Hirdetmény szerint változhat, melyről a Bank írásban tájékoztatja az Adóst."]
["8. Állandó (annuitásos) törlesztés esetén az egyes törlesztőrészletek összege ","Az Ön által igényelt hitel törlesztőrészletét a 14. pontban található törlesztési tábla mutatja.",null,null,null,null,null,null,null,null,null,null,"3 hónap",3,"három (3)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"1 év",12,"tizenkettő (12)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"3 év",36,"harminchat (36)"]
["9. Csak kamattörlesztéses, befektetéssel kombinált hitelek esetén ",{"$f":"IF(Alapadatok!B2<>Alapadatok!I45,\"\",L50)","v":""},null,null,null,null,null,null,null,null,null,null,"5 év",60,"hatvan (60)"]
[null,{"$f":"IF(Alapadatok!B2<>Alapadatok!I45,\"\",L51)","v":""}]
[null,{"$f":"IF(Alapadatok!B2<>Alapadatok!I45,L48,L52)","v":"Az Ön által preferált hitel nem csak kamattörlesztéses, befektetéssel kombinált hitel."},null,null,null,null,null,null,null,null,"Kamatperiódus: ",{"$f":"VLOOKUP(Alapadatok!B18,Indikatív!M39:O42,3,FALSE)","v":"tizenkettő (12)"}," hónap kivéve az első kamatperiódust, amely a Folyósítás Napjától a ",{"$f":"VLOOKUP(Alapadatok!B18,Indikatív!M39:O42,2,FALSE)","v":12},". esedékességig tart.\nA Kamatperiódus a Kölcsön ügyleti kamatára vonatkozó azon időszak, amely alatt az ügyleti kamat mértéke állandó. Kivételt képez ez alól, ha az Adós elveszíti vagy visszanyeri valamely kamatkedvezményre való jogosultságát, amely következtében az ügyleti kamat a jogosultság megszűnését, illetőleg visszanyerését követő esedékességtől módosulhat.\nA Kamatperiódus megváltoztatása a mindenkori hatályos Hirdetményben rögzített határidők és feltételek teljesülése mellett, az Adós által benyújtott módosítási igény  alapján lehetséges.",{"$f":"CONCATENATE(K44,L44,M44,N44,O44)","v":"Kamatperiódus: tizenkettő (12) hónap kivéve az első kamatperiódust, amely a Folyósítás Napjától a 12. esedékességig tart.\nA Kamatperiódus a Kölcsön ügyleti kamatára vonatkozó azon időszak, amely alatt az ügyleti kamat mértéke állandó. Kivételt képez ez alól, ha az Adós elveszíti vagy visszanyeri valamely kamatkedvezményre való jogosultságát, amely következtében az ügyleti kamat a jogosultság megszűnését, illetőleg visszanyerését követő esedékességtől módosulhat.\nA Kamatperiódus megváltoztatása a mindenkori hatályos Hirdetményben rögzített határidők és feltételek teljesülése mellett, az Adós által benyújtott módosítási igény  alapján lehetséges."}]
[null,{"$f":"IF(Alapadatok!B2<>Alapadatok!I45,\"\",L53)","v":""}]
["10. Egyéb egyszeri költségek ","- szerződéskötési díj:",null,null,{"$f":"Alapadatok!C17","v":0},null,null,null,null,null,"Induló díj nélküli (csak kamattal) konstrukciónál (Hirdetmény szerinti feltételek alapján) a feltüntetett ügyleti kamaton felül nem kell megfizetni az egyéb banki költségeket:\n- értékbecslés díját (egy ingatlan esetén)\n- tulajdoni lap lekérdezésre vonatkozó banki díját (Ügyintézési díj I.)\n- térképmásolat lekérdezésre vonatkozó díját (Ügyintézési díj II.)\n- szerződéskötési díjat "]
[null,"- ingatlan értékbecslési díj:",null,null,{"$f":"Alapadatok!B12","v":"KITÖLTENI!"}]
[null,{"$f":"IF(OR(Alapadatok!B2=Alapadatok!I46,Alapadatok!J52=\"V\"),\"\",\"- ingatlan műszaki ellenőrzési díj:\")","v":""},null,null,{"$f":"IF(B48=\"\",\"\",Alapadatok!B13)","v":""},{"$f":"IF(B48=\"\",\"\",\"Ezen díjtétel a kölcsön ügyfélnek történő kifizetési időszaka során többszöri\")","v":""},null,null,null,null,null,"Az Ön által preferált hitel nem csak kamattörlesztéses, befektetéssel kombinált hitel."]
[null,{"$f":"IF(B48=\"\",\"\",\"  alkalommal is felszámításra kerülhet részkifizetést megelőzően. Ennek mértékét a kifizetésre irányuló kérelem benyújtásakor\")","v":""}]
[null,{"$f":"IF(B48=\"\",\"\",\"  érvényes vonatkozó Hirdetmény tartalmazza.\")","v":""},null,null,null,null,null,null,null,null,null,"K&H üzleti feltételű lakáshitel lakás-előtakarékossággal esetén:"]
[null,"- ügyintézési díj I. (TakarNet rendszerből lekért tulajdoni lapért): 3 000 Ft / lekérdezés / fedezet (felajánlott fedezetek számától függően, egy hiteligénylés során 2 lekérdezés szükséges. Tehermentesítő hitel esetén 3 db lekérdezés.)",null,null,null,null,null,null,null,null,null,"a) a kamatfizetések gyakorisága: havonta,"]
[null,null,null,null,null,null,null,null,null,null,null,"b) lakástakarékpénztári megtakarításba történő fizetések gyakorisága: a megtakarítási időszak alatt havonta"]
[null,"- ügyintézési díj II. (TakarNet rendszerből lekért térképmásolatért): 4 000 Ft / lekérdezés / fedezet",null,null,null,null,null,null,null,null,null,"Kizárólag Magyarországon működő lakástakarék-pénztár által ajánlott lakástakarékpénztári megtakarítási forma igénybevétele mellett igényelhető. Előfordulhat, hogy a befektetésbe befizetett összeg nem fedezi a kölcsön összegét."]
[null,"A fedezetként bevonásra kerülő ingatlan(ok) tekintetében kötelező az ingatlanra biztosítás kötése és annak fenntartása, valamint a felmerülő biztosítási díj megfizetése."]
[]
[null,"A kapcsolódó ügyvédi és közjegyzői díjak mértéke azok egyedi díjszabásától függően változhat."]
[]
["11. Egyéb rendszeres költségek (amelyeket a 8. pont nem tartalmaz) ","- ingatlan és ingóság biztosításának díja"]
[null,{"$f":"CONCATENATE(\"- a fizetési számlához kapcsolódóan havonta fizetendő számlavezetési vagy számlacsomag díj: \",Alapadatok!B35,\" Ft\")","v":"- a fizetési számlához kapcsolódóan havonta fizetendő számlavezetési vagy számlacsomag díj:  Ft"}]
[null,"A fizetési számla díját kivéve az ajánlat nem függ attól, hogy a kölcsönhöz kapcsolódó szolgáltatásokat a fogyasztó a K&H Bankon keresztül veszi-e igénybe."]
["12. Előtörlesztés ","Ön bármikor jogosult a hitel részleges vagy teljes előtörlesztésére.\n- Az Adós a Tőketartozást a lejárat előtt részben, vagy teljes egészében előtörlesztheti, amennyiben erre irányuló szándékát a Bank felé írásban jelzi A banki munkanapokon 15:00 óráig befogadott előtörlesztési kérelmet a Bank a benyújtás napján végrehajtja, amennyiben annak fedezete a törlesztő számlán rendelkezésre áll. A 15:00 óra után benyújtott előtörlesztési nyilatkozatot a Bank csak a következő banki munkanapra fogadja be. Az esedékesség előtt visszafizetett tőkerésszel csökkentett tartozás alapján a hátralévő Futamidőnek megfelelő átértékelt Törlesztőrészlet összegéről a Bank az Adóst írásban értesíti. A Végtörlesztés szándékának bejelentése önmagában nem minősül a Kölcsönszerződés Adós általi felmondásának. Az Esedékesség Napjától eltérő időpontban. Elő- és végtörlesztés esetén az Adós köteles az Elő- és végtörlesztés napjáig megszolgált kamatokat és díjakat maradéktalanul megfizetni.  \n\n- Amennyiben az Adóstárs kíván Előtörlesztést végrehajtani, akkor az Adóstárs az Adós törlesztő számlája felett kizárólag a befizetett összeg törlesztésre fordítása tárgyában rendelkezhet. Az Adós elismeri, hogy az Adóstárs, Kezes, zálogkötelezett és a kölcsön biztosítékát nyújtó, vagy annak visszafizetéséért bármilyen személyes vagy dologi kötelezettséget vállaló harmadik fél olyan személynek minősül, akinek a kölcsön visszafizetéséhez törvényes érdeke fűződik, ezért az általuk felajánlott teljesítést a Bank az Adós hozzájárulása nélkül is jogosult elfogadni.\n\nA Bank jogosult az előtörlesztéssel kapcsolatban felmerült költségei megtérítésére, az Előtörlesztés díjának mértékét a mindenkor hatályos vonatkozó Hirdetmény tartalmazza."]
["13. Panaszkezelés ","A kölcsönigényléskor vagy a hitel futamideje során esetlegesen felmerülő panaszát benyújthatja bármely bankfiókunkban vagy a TeleCenteren a (06 1/20/30/70) 335 3355 telefonszámon keresztül, illetve a bank@kh.hu email címen."]
["14. Törlesztési táblázat ",{"$f":"IF(K30=K22,\"\",M63)","v":"A törlesztési ütemterv annuitásos törlesztés szerint került kialakításra. A törlesztőrészletek esedékessége minden hónapban az első Törlesztőrészlet Esedékessége Napjának megfelelő naptári nap. Az első Törlesztőrészlet összege a Törlesztőrészlet várható összegétől eltérhet, amennyiben a Folyósítás Napja nem egyezik meg a szerződéskötés napjával, illetve, amennyiben az első Törlesztőrészlet Esedékességének Napja és a Folyósítás Napja között eltelt napok száma a 30 naptól eltér."},null,null,null,null,null,null,null,null,null,null,"A törlesztési ütemterv annuitásos törlesztés szerint került kialakításra. A törlesztőrészletek esedékessége minden hónapban az első Törlesztőrészlet Esedékessége Napjának megfelelő naptári nap. Az első Törlesztőrészlet összege a Törlesztőrészlet várható összegétől eltérhet, amennyiben a Folyósítás Napja nem egyezik meg a szerződéskötés napjával, illetve, amennyiben az első Törlesztőrészlet Esedékességének Napja és a Folyósítás Napja között eltelt napok száma a 30 naptól eltér."]
[null,"Időszak",null,"Havi törlesztőrészlet a kamatperióduson belül","A teljes futamidő alatt fizetendő törlesztőrészletek kamatperiódusonként várható alakulása.",null,null,"Tőke alakulása"]
[null,"Év","Kamatperiódus",null,"Megfizetett tőke","Megfizetett kamat","Összesen","Megfizetett tőke összege","Tőketartozás az adott időszak végén",null,"kell nyomtatni?","3 hónap","1 év","3 év","5 év",{"$f":"+Alapadatok!B18","v":"1 év"}]
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[null,"A fenti táblázat szemléltetés céljából készült, továbbá felhívjuk figyelmet arra, hogy az ajánlott hitel kamata változó.",null,null,null,null,null,null,null,null,null,null,"1 év","3 év","5 év"]
["15. Fizetési számla ","A törlesztés minden esetben K&H lakossági bankszámláról történhet. A jövedelem törlesztőszámlára történő utalásának előírása egyedi döntés alapján kötelező lehet."]
[]
["Az I. és II. rész a 2009. évi CLXII. törvény 3. számú melléklete alapján készült. Jelen tájékoztatóban szereplő díjak, költségek, hitel teljes díja mértéke és/vagy összegszerűsége az aktuális kondíciók változatlansága esetén érvényes!"]
[]
[]
[]
[]
[]
[{"$f":"CONCATENATE(\"Kelt: …………………………………...……… ,    \",TEXT(TODAY(),\"éééé.hh.nn\"))","v":"Kelt: …………………………………...……… ,    2015.02.04"}]
[]
[null,null,"……………………………….",null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",\"……………………………….\")","v":"………………………………."}]
[]
["Ügyfél neve:",{"$f":"IF(Ügyféladatok!$B$4=0,\"\",Ügyféladatok!$B$4)","v":""},null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",Ügyféladatok!$C$4)","v":0}]
["Születési dátum:",{"$f":"IF(Ügyféladatok!$B$7=0,\"\",Ügyféladatok!$B$7)","v":""},null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",Ügyféladatok!$C$7)","v":"00:00:00"}]
["Anyja neve:",{"$f":"IF(Ügyféladatok!$B$6=0,\"\",Ügyféladatok!$B$6)","v":""},null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",Ügyféladatok!$C$6)","v":0}]
["Lakcím:",{"$f":"IF(OR(Ügyféladatok!$B$13=\"\",Ügyféladatok!$B$12=\"\",Ügyféladatok!$B$14=\"\"),\"\",CONCATENATE(Ügyféladatok!$B$13,\", \",Ügyféladatok!$B$12,\" \",Ügyféladatok!$B$14))","v":""},null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",CONCATENATE(Ügyféladatok!$C$13,\", \",Ügyféladatok!$C$12,\" \",Ügyféladatok!$C$14))","v":",  "}]
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[null,null,{"$f":"IF(Ügyféladatok!$D$2=\"nincs\",\"\",\"……………………………….\")","v":""},null,null,null,{"$f":"IF(Ügyféladatok!$E$2=\"nincs\",\"\",\"……………………………….\")","v":""}]
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[{"$f":"IF(AND(Ügyféladatok!$D$2=\"nincs\",Ügyféladatok!$E$2=\"nincs\"),\"\",A256)","v":""},{"$f":"IF(Ügyféladatok!$D$2=\"nincs\",\"\",Ügyféladatok!$D$6)","v":""},null,null,null,null,{"$f":"IF(Ügyféladatok!$E$2=\"nincs\",\"\",Ügyféladatok!$E$6)","v":""}]
[{"$f":"IF(AND(Ügyféladatok!$D$2=\"nincs\",Ügyféladatok!$E$2=\"nincs\"),\"\",A257)","v":""},{"$f":"IF(Ügyféladatok!$D$2=\"nincs\",\"\",CONCATENATE(Ügyféladatok!$D$13,\", \",Ügyféladatok!$D$12,\" \",Ügyféladatok!$D$14))","v":""},null,null,null,null,{"$f":"IF(Ügyféladatok!$E$2=\"nincs\",\"\",CONCATENATE(Ügyféladatok!$E$13,\", \",Ügyféladatok!$E$12,\" \",Ügyféladatok!$E$14))","v":""}]

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[]
[1]
[2]
[3]
[4]
["5?"]
[]
[]
[]
[]
["K&H Bank Zrt.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(Alapadatok!B2,Nyilatkozat!U12:V18,2,FALSE)","v":"K&H üzleti feltételű lakáshitel"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Szenzációs lakáshitel","K&H szenzációs forinthitel ingatlanfedezettel lakás célra"]
["1095 Budapest, Lechner Ödön fasor 9. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Alapadatok!I36","v":"Lakáshitel csak kamattal"},"K&H üzleti feltételű lakáshitel - csak kamattal"]
["Telefon: (06 1) 328 9000, (06 30) 761 9000",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Alapadatok!I37","v":"Otthon-korszerűsítő hitel csak kamattal"},"K&H otthon-korszerűsítő hitel - csak kamattal"]
["Fax: (06 1) 328 9696",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Alapadatok!I38","v":"Személyi hitel csak kamattal"},"K&H ingatlanfedezetű személyi hitel - csak kamattal"]
["www.kh.hu • bank@kh.hu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lakáshitel","K&H üzleti feltételű lakáshitel"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Lakáshitel - lakás-előtakarékossággal","Lakáshitel - lakás-előtakarékossággal"]
["KOCKÁZATFELTÁRÓ NYILATKOZAT",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Személyi hitel","K&H ingatlanfedezetű személyi hitel"]
[]
["Kijelentem, hogy megismertem a K&H Bank Zrt. (továbbiakban: Bank) által a részemre bemutatott Üzletszabályzatot és Általános Szerződési Feltételeket. Kijelentem, hogy az alábbi kockázatfeltáró nyilatkozatot elolvastam, megértettem és jóváhagyólag aláírtam, továbbá 1 (egy) példányát átvettem. "]
[]
[{"$f":"CONCATENATE(V11,IF(Alapadatok!B5=Alapadatok!J9,\" - csak kamattal\",\" - induló díjakkal\"))","v":"K&H üzleti feltételű lakáshitel - csak kamattal"}]
[]
[]
["Tudomásom van arról, hogy a Konstrukció során felmerül a kamat változásából adódóan a veszteség kockázata. Ennek megfelelően a Bank részemre az alábbi tájékoztatást adta, amelyet figyelembe vettem a Konstrukcióra vonatkozó Hitelkérelem benyújtásakor:\n\nA havi törlesztőrészlet megállapítása során a Bank a következő képletet alkalmazza:"]
[]
[]
[]
[]
["Ahol: t = a havonta fizetendő törlesztőrészlet (Ft)"]
[" H = a felvett hitel összege (Ft)"]
[{"$f":"IF(Alapadatok!M32=Alapadatok!J8,\" p = évi (ügyleti vagy törlesztési) kamatláb/12\",\" p = évi ügyleti kamatláb/12\")","v":" p = évi ügyleti kamatláb/12"}]
[" n = a hitel Futamideje (hónap)"]
[" kk = havi kezelési költség (Ft)"]
[]
["A kamatszámítás napi kamatszámítással történik, melynek képlete:"]
[]
[]
[]
["Ahol: K = kamatösszeg (Ft)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(Alapadatok!B18,Nyilatkozat!U42:V45,2,FALSE)","v":{"$error":"#VALUE!"}}]
[" T = Tőke (Ft)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"emelkedő"]
[" k = évi ügyleti kamatláb",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Alapadatok!M20","v":"3 hónap"},{"$f":"+Emelkedő!G12","v":{"$error":"#VALUE!"}}]
[" n = kamatnapok száma",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Alapadatok!M21","v":"1 év"},{"$f":"+Emelkedő!G15","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Alapadatok!M22","v":"3 év"},{"$f":"+Emelkedő!G23","v":{"$error":"#VALUE!"}}]
[{"$f":"Indikatív!B28","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Alapadatok!M23","v":"5 év"},{"$f":"+Emelkedő!G31","v":{"$error":"#VALUE!"}}]
[{"$f":"+Indikatív!B26","v":"Kölcsön referencia kamatlába: a kamatperiódus kezdetét megelőző hónap utolsó munkanapja előtt 2 nappal érvényes 12 havi BUBOR."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(IF(Alapadatok!B18=Nyilatkozat!U42,\"a 3 havi Bubor a jelenlegi \",IF(Alapadatok!B18=Nyilatkozat!U43,\"a 12 havi Bubor a jelenlegi \",\"\")),Alapadatok!U4,\"%-ról \",Alapadatok!U4+1,\"%-ra emelkedik és ezáltal \")","v":"a 12 havi Bubor a jelenlegi 2,11%-ról 3,11%-ra emelkedik és ezáltal "}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(Stabil!F11,\"%-ról \",Stabil!F11+1,\"%-ra változik a 2. kamatperiódusra, \")","v":{"$error":"#VALUE!"}}]
["Amennyiben a forint kamatkörnyezet a második kamatperiódusra 100 bázisponttal csökken és ezt követően tartósan az így kialakult kamatszinten stabilizálódik, az általam igényelt Konstrukció mindenkori törlesztőrészlete, illetve a tőketartozás alakulása az 1. számú táblázat szerint várható a futamidő során.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(\"a havi törlesztőrészlet \",TEXT(ROUND(Stabil!G12,0),\"# ## Ft\"),\" helyett \",TEXT(ROUND(V40,0),\"# ## Ft\"),\" lesz a 2. kamatperiódustól.\")","v":{"$error":"#VALUE!"}}]
["Amennyiben a forint kamatszintje 100 bázisponttal emelkedik a második kamatperiódusra és ezt követően tartósan az így kialakult kamatszinten stabilizálódik, akkor az általam igényelt Konstrukció mindenkori törlesztőrészlete illetve a tőketartozás alakulása a 2. számú táblázat szerint várható a futamidő során."]
[{"$f":"CONCATENATE(\"Amennyiben tehát \",IF(OR(Alapadatok!B18=Nyilatkozat!U42,Alapadatok!B18=Nyilatkozat!U43),Nyilatkozat!U46,\"\"),\"az ügyleti kamatláb \",U47,U48)","v":{"$error":"#VALUE!"}}]
[]
[]
["Tisztában vagyok azzal a ténnyel, hogy a Konstrukció ki van téve a piaci kamatok mozgásának."]
["Tudomásom van arról, hogy az általam igényelt hitel futamideje alatt a kamatláb emelkedése esetén a kamatperiódusokon belül állandó havi törlesztőrészletek akár jelentős mértékben is magasabbak lehetnek, mint a megelőző kamatperiódusban."]
["Tudomásom van arról is, hogy a jelen Kockázatfeltáró Nyilatkozat csak figyelemfelkeltő és a Konstrukció jellegéből adódóan nem tartalmazhatja az ügyletkötés során jelentkező valamennyi kockázatot és veszélyforrást.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(\"az ügyleti kamatláb \",D169,\"%-ról \",D170,\"%-ra\",IF(Alapadatok!B2<>Alapadatok!I31,\"\",CONCATENATE(\", a törlesztési kamatláb pedig \",Emelkedő!M20,\"%-ról \",Emelkedő!M21,\"%-ra\")),\" változik,\")","v":{"$error":"#VALUE!"}}]
["Aláírásommal igazolom, hogy a Hitelszerződést megelőző tájékoztatót, az Általános tájékoztatást a jelzáloghitelekről valamint a Személyes tájékoztatás a jelzáloghitelről formanyomtatvány egy példányát átvettem és a 2009.évi CLXII. törvény 11.§-a szerinti felvilágosítást megkaptam."]
[]
[]
[{"$f":"CONCATENATE(\"Kelt: \",TEXT(TODAY(),\"éééé.hh.nn\"))","v":"Kelt: 2015.02.04"}]
[]
[null,null,null,null,null,"……………………………….",null,null,null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",\"……………………………….\")","v":"………………………………."}]
[]
["Ügyfél neve:",null,null,{"$f":"IF(Ügyféladatok!$B$4=0,\"\",Ügyféladatok!$B$4)","v":""},null,null,null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",Ügyféladatok!$C$4)","v":"00:00:00"}]
["Születési dátum:",null,null,{"$f":"IF(Ügyféladatok!$B$7=0,\"\",Ügyféladatok!$B$7)","v":""},null,null,null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",Ügyféladatok!$C$7)","v":"00:00:00"}]
["Anyja neve:",null,null,{"$f":"IF(Ügyféladatok!$B$6=0,\"\",Ügyféladatok!$B$6)","v":""},null,null,null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",Ügyféladatok!$C$6)","v":"00:00:00"}]
["Lakcím:",null,null,{"$f":"IF(OR(Ügyféladatok!$B$13=\"\",Ügyféladatok!$B$12=\"\",Ügyféladatok!$B$14=\"\"),\"\",CONCATENATE(Ügyféladatok!$B$13,\", \",Ügyféladatok!$B$12,\" \",Ügyféladatok!$B$14))","v":""},null,null,null,null,null,null,{"$f":"IF(Ügyféladatok!$C$2=\"nincs\",\"\",CONCATENATE(Ügyféladatok!$C$13,\", \",Ügyféladatok!$C$12,\" \",Ügyféladatok!$C$14))","v":",  "}]
[]
[]
[null,null,null,null,null,{"$f":"IF(Ügyféladatok!$D$2=\"nincs\",\"\",\"……………………………….\")","v":""},null,null,null,null,null,null,{"$f":"IF(Ügyféladatok!$E$2=\"nincs\",\"\",\"……………………………….\")","v":""}]
[]
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[]
["Tanú: ……………………………………………",null,null,null,null,null,null,null,null,"Tanú: ……………………………………………"]
["Szem.ig.szám: ……………………………..",null,null,null,null,null,null,null,null,"Szem.ig.szám: …………………………….."]
["Lakcím: ………………………………………..",null,null,null,null,null,null,null,null,"Lakcím: ……………………………………….."]
[]
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[null,null,null,null,null,null,null,null,null,null,3,"K3",3.1E-2,3.1E-2,{"$f":"HLOOKUP($H$6,$AB$14:$AE$18,$K17+1,FALSE)","v":5.9500000000000004E-2},{"$f":"HLOOKUP(Alapadatok!$B$2,'PD kamat'!$M$14:$O$20,K17+1,FALSE)","v":3.1E-2},null,{"$f":"R6+0.002","v":3.1E-2},3.1E-2,3.0600000000000002E-2,3.3800000000000004E-2,null,3.1E-2,3.1E-2,{"$f":"Y6+0.002","v":3.0600000000000002E-2},3.3800000000000004E-2,null,{"$f":"AB6+0.002","v":5.9500000000000004E-2},5.9500000000000004E-2,6.4100000000000004E-2,6.7299999999999999E-2]
[null,null,null,null,null,null,null,null,null,null,4,"K4",3.3000000000000002E-2,3.3000000000000002E-2,{"$f":"HLOOKUP($H$6,$AB$14:$AE$18,$K18+1,FALSE)","v":7.0000000000000007E-2},{"$f":"HLOOKUP(Alapadatok!$B$2,'PD kamat'!$M$14:$O$20,K18+1,FALSE)","v":3.3000000000000002E-2},null,{"$f":"R7+0.002","v":3.3000000000000002E-2},3.3000000000000002E-2,3.2599999999999997E-2,3.5799999999999998E-2,null,3.3000000000000002E-2,3.3000000000000002E-2,{"$f":"Y7+0.002","v":3.2599999999999997E-2},3.5799999999999998E-2,null,{"$f":"AB7+0.002","v":7.0000000000000007E-2},7.0000000000000007E-2,7.46E-2,7.7800000000000008E-2]
[null,null,null,null,null,null,null,null,null,null,5,"K5",3.6000000000000004E-2,3.6000000000000004E-2,null,{"$f":"HLOOKUP(Alapadatok!$B$2,'PD kamat'!$M$14:$O$20,K19+1,FALSE)","v":3.6000000000000004E-2},null,{"$f":"R8+0.002","v":3.6000000000000004E-2},3.6000000000000004E-2,3.5600000000000007E-2,3.8800000000000001E-2,null,{"$f":"W8+0.002","v":3.6000000000000004E-2},3.6000000000000004E-2,3.5600000000000007E-2,3.8800000000000001E-2]
[null,null,null,null,null,null,null,null,null,null,6,"K6",4.4999999999999998E-2,4.4999999999999998E-2,null,{"$f":"HLOOKUP(Alapadatok!$B$2,'PD kamat'!$M$14:$O$20,K20+1,FALSE)","v":4.4999999999999998E-2},null,{"$f":"R9+0.002","v":4.4999999999999998E-2},4.4999999999999998E-2,4.4600000000000001E-2,4.7799999999999995E-2,null,{"$f":"W9+0.002","v":4.4999999999999998E-2},4.4999999999999998E-2,4.4600000000000001E-2,4.7799999999999995E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(C5,L15:P20,5,FALSE)","v":{"$error":"#N/A"}}]
["forgalmi érték",{"$f":"Alapadatok!B31","v":0}]
["kért hitel",{"$f":"Alapadatok!B20","v":5000000}]
["párhuzamosan kért hitel",{"$f":"Alapadatok!B34","v":0}]
["maradó terhek",{"$f":"Alapadatok!B33","v":0}]
["terhek",{"$f":"SUM(B23:B25)","v":5000000}]
["LTV",{"$f":"B26/B22","v":{"$error":"#DIV/0!"}},null,{"$f":"IF(OR(AND(Alapadatok!B2=Alapadatok!I46,B27>40%),AND(Alapadatok!B2=Alapadatok!I45,B27>70%),AND(Alapadatok!B2=Alapadatok!I44,B27>80%)),\"Hard KO\",\"OK\")","v":{"$error":"#DIV/0!"}}]
["Housing vagy home equity",{"$f":"IF(Alapadatok!B2=Alapadatok!I46,\"HEq\",\"Ho\")","v":"Ho"}]
[]
["Ho and LTV <= 35% ",56,{"$f":"IF(AND($B$28=\"Ho\",$B$27<=35%),1,0)","v":{"$error":"#DIV/0!"}}]
["Ho and LTV > 35% and LTV <= 65%",26,{"$f":"IF(AND($B$28=\"Ho\",$B$27>35%,$B$27<=65%),1,0)","v":{"$error":"#DIV/0!"}}]
["Ho and LTV > 65% ",14,{"$f":"IF(AND($B$28=\"Ho\",$B$27>65%),1,0)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,"A","A1","A2","A3"]
["HEq and LTV <= 20% ",16,{"$f":"IF(AND($B$28=\"HEq\",$B$27<=20%),1,0)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,{"$f":"Ügyféladatok!B7","v":"00:00:00"},{"$f":"Ügyféladatok!C7","v":"00:00:00"},{"$f":"Ügyféladatok!D7","v":"00:00:00"},{"$f":"Ügyféladatok!E7","v":"00:00:00"},"9999-12-31"]
["HEq and LTV > 20% and LTV <= 45%",12,{"$f":"IF(AND($B$28=\"HEq\",$B$27>20%,$B$27<=45%),1,0)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,{"$f":"IF(C39=MAX($C$39:$F$39),1,0)","v":1},{"$f":"IF(D39=MAX($C$39:$F$39),1,0)","v":1},1,1]
["HEq and LTV > 45% ",0,{"$f":"IF(AND($B$28=\"HEq\",$B$27>45%),1,0)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,{"$f":"IF(L34=1,L33,$P$33)","v":"00:00:00"},{"$f":"IF(M34=1,M33,$P$33)","v":"00:00:00"},"00:00:00","00:00:00"]
[null,{"$f":"SUMPRODUCT(B30:B35,C30:C35)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,{"$f":"IF(L35=MIN($L$35:$O$35),1,0)","v":1},{"$f":"IF(M35=MIN($L$35:$O$35),1,0)","v":1},{"$f":"IF(N35=MIN($L$35:$O$35),1,0)","v":1},{"$f":"IF(O35=MIN($L$35:$O$35),1,0)","v":1}]
[null,null,{"$f":"IF(C39=MAX($C$39:$F$39),1,0)","v":1},{"$f":"IF(D39=MAX($C$39:$F$39),1,0)","v":1},1,1]
[null,"melyik ügyfél számít?",{"$f":"IF(C39=MAX($C$39:$F$39),1,0)","v":1},{"$f":"IF(D39=MAX($C$39:$F$39),1,0)","v":1},1,1]
["Önálló",{"$f":"SUM(C39:F39)","v":0},{"$f":"IF(Ügyféladatok!B$2=Alapadatok!$K$83,Ügyféladatok!B31,0)","v":0},{"$f":"IF(Ügyféladatok!C$2=Alapadatok!$K$83,Ügyféladatok!C31,0)","v":0},{"$f":"IF(Ügyféladatok!D$2=Alapadatok!$K$83,Ügyféladatok!D31,0)","v":0},{"$f":"IF(Ügyféladatok!E$2=Alapadatok!$K$83,Ügyféladatok!E31,0)","v":0}]
["Kiegészítő",{"$f":"SUM(C40:F40)","v":0},{"$f":"IF(Ügyféladatok!B$2=Alapadatok!$K$83,Ügyféladatok!B32,0)","v":0},{"$f":"IF(Ügyféladatok!C$2=Alapadatok!$K$83,Ügyféladatok!C32,0)","v":0},{"$f":"IF(Ügyféladatok!D$2=Alapadatok!$K$83,Ügyféladatok!D32,0)","v":0},{"$f":"IF(Ügyféladatok!E$2=Alapadatok!$K$83,Ügyféladatok!E32,0)","v":0}]
["Levonások",0,{"$f":"IF(Ügyféladatok!B$2=Alapadatok!$K$83,Ügyféladatok!B33,0)","v":0},{"$f":"IF(Ügyféladatok!C$2=Alapadatok!$K$83,Ügyféladatok!C33,0)","v":0},{"$f":"IF(Ügyféladatok!D$2=Alapadatok!$K$83,Ügyféladatok!D33,0)","v":0},{"$f":"IF(Ügyféladatok!E$2=Alapadatok!$K$83,Ügyféladatok!E33,0)","v":0}]
["Jövedelem",{"$f":"B39+B40-B41","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"most","Ho","HEq"]
["cc",{"$f":"SUM(C44:F44)*0.05","v":0},{"$f":"IF(Ügyféladatok!B$2<>Alapadatok!$K$85,Ügyféladatok!B26,0)","v":0},{"$f":"IF(Ügyféladatok!C$2<>Alapadatok!$K$85,Ügyféladatok!C26,0)","v":0},{"$f":"IF(Ügyféladatok!D$2<>Alapadatok!$K$85,Ügyféladatok!D26,0)","v":0},{"$f":"IF(Ügyféladatok!E$2<>Alapadatok!$K$85,Ügyféladatok!E26,0)","v":0},null,null,null,null,null,null,{"$f":"HLOOKUP(B28,N43:O44,2,FALSE)","v":"K3"},"K3","K3","alap havi részlet milyen K-val számolódik?"]
["od",{"$f":"SUM(C45:F45)*0.05","v":0},{"$f":"IF(Ügyféladatok!B$2<>Alapadatok!$K$85,Ügyféladatok!B27,0)","v":0},{"$f":"IF(Ügyféladatok!C$2<>Alapadatok!$K$85,Ügyféladatok!C27,0)","v":0},{"$f":"IF(Ügyféladatok!D$2<>Alapadatok!$K$85,Ügyféladatok!D27,0)","v":0},{"$f":"IF(Ügyféladatok!E$2<>Alapadatok!$K$85,Ügyféladatok!E27,0)","v":0},null,null,null,null,null,"indulódíjas",{"$f":"VLOOKUP(M44,L4:P9,5,FALSE)","v":2.9000000000000001E-2}]
["törlesztés",{"$f":"SUM(C46:F46)","v":0},{"$f":"IF(Ügyféladatok!B$2<>Alapadatok!$K$85,Ügyféladatok!B28,0)","v":0},{"$f":"IF(Ügyféladatok!C$2<>Alapadatok!$K$85,Ügyféladatok!C28,0)","v":0},{"$f":"IF(Ügyféladatok!D$2<>Alapadatok!$K$85,Ügyféladatok!D28,0)","v":0},{"$f":"IF(Ügyféladatok!E$2<>Alapadatok!$K$85,Ügyféladatok!E28,0)","v":0},null,null,null,null,null,"csakkamatos",{"$f":"VLOOKUP(M44,L15:P20,5,FALSE)","v":3.1E-2}]
["új hitel",{"$f":"PMT(M48/12,Alapadatok!B21-Alapadatok!K15,-Alapadatok!B20)","v":31659.464827516069},null,null,null,null,null,null,null,null,null,"most",{"$f":"MAX(0.02,IF(A2=Alapadatok!J8,M45,M46)+B9)","v":2.4E-2}]
["Terhek",{"$f":"SUM(B44:B47)","v":31659.464827516069},null,null,null,null,null,null,null,null,null,"kamatláb",{"$f":"M47+I6","v":4.5100000000000001E-2}]
["PTI az alappal",{"$f":"B48/B42","v":{"$error":"#DIV/0!"}}]
["Terhek a tényleges kamattlábbal",{"$f":"B48-B47+PMT(B14/12,Alapadatok!B21-Alapadatok!K15,-Alapadatok!B20)","v":{"$error":"#N/A"}}]
["PTI a tényleges kamatlábbal",{"$f":"B50/B42","v":{"$error":"#N/A"}},null,{"$f":"IF(OR(AND(B42>=400000,B51>60%),AND(B42<400000,B51>50%)),\"hard KO\",\"OK\")","v":{"$error":"#N/A"}}]
["Ho and PTI <= 25%",37,{"$f":"IF(AND($B$28=\"Ho\",$B$49<=25%),1,0)","v":{"$error":"#DIV/0!"}}]
["Ho and PTI > 25% and PTI <= 35%",13,{"$f":"IF(AND($B$28=\"Ho\",$B$49>25%,$B$49<=35%),1,0)","v":{"$error":"#DIV/0!"}}]
["Ho and PTI > 35%",0,{"$f":"IF(AND($B$28=\"Ho\",$B$49>35%),1,0)","v":{"$error":"#DIV/0!"}}]
["HEq and PTI <= 20% ",7,{"$f":"IF(AND($B$28=\"HEq\",$B$49<=20%),1,0)","v":{"$error":"#DIV/0!"}}]
["HEq and PTI > 20% and  PTI <= 30%",4,{"$f":"IF(AND($B$28=\"HEq\",$B$49>20%,$B$49<=30%),1,0)","v":{"$error":"#DIV/0!"}}]
["HEq and PTI > 30% ",0,{"$f":"IF(AND($B$28=\"HEq\",$B$49>30%),1,0)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"SUMPRODUCT(B52:B57,C52:C57)","v":{"$error":"#DIV/0!"}}]
["Tenor",{"$f":"IF(Alapadatok!B21>240,0,IF(Alapadatok!B21<=120,19,11))","v":11}]
["Ch",0]
["DM",13]
[null,{"$f":"SUM(B59:B61)+B58+B36+Appl!A2","v":{"$error":"#DIV/0!"}}]
[null,null,null,{"$f":"IF(B28=\"HEq\",E63,F63)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(1,$D$65:$F$73,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(1,$D$65:$F$73,3,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,"Home Equity","Housing"]
[null,166,200,{"$f":"IF(AND($B$62>=B65,$B$62<=C65),1,0)","v":{"$error":"#DIV/0!"}},"K1","K1"]
[null,150,165,{"$f":"IF(AND($B$62>=B66,$B$62<=C66),1,0)","v":{"$error":"#DIV/0!"}},"K1","K1"]
[null,133,149,{"$error":"#DIV/0!"},"K1","K2"]
[null,116,132,{"$error":"#DIV/0!"},"K2","K2"]
[null,99,115,{"$error":"#DIV/0!"},"K3","K3"]
[null,83,98,{"$error":"#DIV/0!"},"K3","K4"]
[null,66,82,{"$error":"#DIV/0!"},"K4","K5"]
[null,49,65,{"$error":"#DIV/0!"},"K4","K6"]
[null,0,48,{"$error":"#DIV/0!"},"K4","K6"]
[]
[]
[null,null,"Adós",1,2,3]
["Adatok kitöltöttsége",null,{"$f":"Ügyféladatok!B2","v":"Jövedelmével bevont szereplő"},{"$f":"Ügyféladatok!C2","v":"Jövedelmével bevont szereplő"},{"$f":"Ügyféladatok!D2","v":"Nincs"},{"$f":"Ügyféladatok!E2","v":"Nincs"}]
["Adóstársak száma",{"$f":"SUM(D78:F78)","v":1},{"$f":"IF(OR(C77=Alapadatok!$K$83,C77=Alapadatok!$K$84),1,0)","v":1},{"$f":"IF(OR(D77=Alapadatok!$K$83,D77=Alapadatok!$K$84),1,0)","v":1},{"$f":"IF(OR(E77=Alapadatok!$K$83,E77=Alapadatok!$K$84),1,0)","v":0},{"$f":"IF(OR(F77=Alapadatok!$K$83,F77=Alapadatok!$K$84),1,0)","v":0}]
["Név",null,{"$f":"IF(Ügyféladatok!B4=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C4=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D4=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E4=\"\",0,1)","v":0}]
["Születési név"]
["Anyja neve",null,{"$f":"IF(Ügyféladatok!B6=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C6=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D6=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E6=\"\",0,1)","v":0}]
["Születési dátum",null,{"$f":"IF(Ügyféladatok!B7=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C7=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D7=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E7=\"\",0,1)","v":0}]
["Családi állapot",null,{"$f":"IF(Ügyféladatok!B8=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C8=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D8=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E8=\"\",0,1)","v":0}]
["Legmagasabb iskolai végzettség",null,{"$f":"IF(Ügyféladatok!B9=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C9=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D9=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E9=\"\",0,1)","v":0}]
["Állandó lakcím: irányító szám",null,{"$f":"IF(Ügyféladatok!B12=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C12=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D12=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E12=\"\",0,1)","v":0}]
["Állandó lakcím: város",null,{"$f":"IF(Ügyféladatok!B13=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C13=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D13=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E13=\"\",0,1)","v":0}]
["Állandó lakcím: utca, házszám",null,{"$f":"IF(Ügyféladatok!B14=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C14=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D14=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E14=\"\",0,1)","v":0}]
["Értesítési cím: irányító szám"]
["Értesítési cím: város"]
["Értesítési cím: utca, házszám"]
["Jogviszony a jelenlegi tartózkodási helyen",null,{"$f":"IF(Ügyféladatok!B18=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C18=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D18=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E18=\"\",0,1)","v":0}]
["Mióta él jelenlegi lakcímén",null,{"$f":"IF(Ügyféladatok!B19=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C19=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D19=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E19=\"\",0,1)","v":0}]
["Mobiltelefon"]
["Vezetékes telefon"]
["E-mail cím"]
["Elsődleges bank (jövedelem átutalás)",null,{"$f":"IF(Ügyféladatok!B25=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C25=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D25=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E25=\"\",0,1)","v":0}]
["Hitelkártya keretösszeg",null,{"$f":"IF(Ügyféladatok!B26=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C26=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D26=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E26=\"\",0,1)","v":0}]
["Folyószámla hitelkeret összege",null,{"$f":"IF(Ügyféladatok!B27=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C27=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D27=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E27=\"\",0,1)","v":0}]
["Összes havi rendszeres törlesztés",null,{"$f":"IF(Ügyféladatok!B28=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C28=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D28=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E28=\"\",0,1)","v":0}]
["Önállóan elfogadható jövedelem",null,{"$f":"IF(Ügyféladatok!B31=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C31=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D31=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E31=\"\",0,1)","v":0}]
["Kiegészítő jövedelem",null,{"$f":"IF(Ügyféladatok!B32=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C32=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D32=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E32=\"\",0,1)","v":0}]
["Levonás/letiltás a jövedelemből",null,{"$f":"IF(Ügyféladatok!B33=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C33=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D33=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E33=\"\",0,1)","v":0}]
["Jövedelemmel rendelkezők száma",null,{"$f":"IF(Ügyféladatok!B34=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C34=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D34=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E34=\"\",0,1)","v":0}]
["Eltartottak száma a háztartásban",null,{"$f":"IF(Ügyféladatok!B35=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C35=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D35=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E35=\"\",0,1)","v":0}]
["Munkáltatói cégforma",null,{"$f":"IF(Ügyféladatok!B38=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C38=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D38=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E38=\"\",0,1)","v":0}]
["Gazdasági szektor",null,{"$f":"IF(Ügyféladatok!B39=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C39=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D39=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E39=\"\",0,1)","v":0}]
["Foglalkoztatás minősége",null,{"$f":"IF(Ügyféladatok!B40=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C40=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D40=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E40=\"\",0,1)","v":0}]
["Munkaviszony kezdete",null,{"$f":"IF(Ügyféladatok!B41=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!C41=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!D41=\"\",0,1)","v":0},{"$f":"IF(Ügyféladatok!E41=\"\",0,1)","v":0}]
[null,null,{"$f":"SUM(C79:C108)","v":0},{"$f":"SUM(D79:D108)","v":0},0,0]
[{"$f":"IF(B110>0,\"Kevés személyes adat\",\"Személyes adatok kitöltve\")","v":"Kevés személyes adat"},{"$f":"SUM(C110:F110)","v":2},{"$f":"IF(C109<>23,1,0)","v":1},{"$f":"IF(OR(D77=Alapadatok!$K$85,AND(D77=Alapadatok!$K$83,D109=23)),0,1)","v":1},{"$f":"IF(OR(E77=Alapadatok!$K$85,AND(E77=Alapadatok!$K$83,E109=23)),0,1)","v":0},{"$f":"IF(OR(F77=Alapadatok!$K$85,AND(F77=Alapadatok!$K$83,F109=23)),0,1)","v":0}]
["forgalmi érték",{"$f":"IF(Alapadatok!B31=\"\",1,0)","v":1}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["nevek, címek kitöltöttsége",null,{"$f":"IF(C79+C81+C82+C85+C86+C87=6,\"OK\",\"nem OK\")","v":"nem OK"},{"$f":"IF(D77=\"Nincs\",\"OK\",IF(D79+D81+D82+D85+D86+D87=6,\"OK\",\"nem OK\"))","v":"nem OK"},{"$f":"IF(E77=\"Nincs\",\"OK\",IF(E79+E81+E82+E85+E86+E87=6,\"OK\",\"nem OK\"))","v":"OK"},"OK"]
[null,null,{"$f":"IF(C123=\"OK\",1,0)","v":0},{"$f":"IF(D123=\"OK\",1,0)","v":0},1,1]
[]
["jövedelmek kitöltöttsége",null,{"$f":"IF(C100+C101+C102+C103+C104=5,\"OK\",\"nem OK\")","v":"nem OK"},{"$f":"IF(D77=\"Nincs\",\"OK\",IF(D100+D101+D102+D103+D104=5,\"OK\",\"nem OK\"))","v":"nem OK"},{"$f":"IF(E77=\"Nincs\",\"OK\",IF(E100+E101+E102+E103+E104=5,\"OK\",\"nem OK\"))","v":"OK"},"OK"]
[null,null,{"$f":"IF(C126=\"OK\",1,0)","v":0},{"$f":"IF(D126=\"OK\",1,0)","v":0},{"$f":"IF(E126=\"OK\",1,0)","v":1},{"$f":"IF(F126=\"OK\",1,0)","v":1}]
[]
["tartózkodás jogcíme, időtáv",null,{"$f":"IF(OR(Alapadatok!B26<>Alapadatok!I82,C91+C92=2),\"OK\",\"nem OK\")","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,D77=\"Nincs\"),\"OK\",IF(D91+D92=2,\"OK\",\"nem OK\"))","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,E77=\"Nincs\"),\"OK\",IF(E91+E92=2,\"OK\",\"nem OK\"))","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,F77=\"Nincs\"),\"OK\",IF(F91+F92=2,\"OK\",\"nem OK\"))","v":"OK"}]
[null,null,{"$f":"IF(C129=\"OK\",1,0)","v":1},{"$f":"IF(D129=\"OK\",1,0)","v":1},1,1]
[]
["Bankkapcsolati adatok kitöltöttsége",null,{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,C96+C97+C98+C99=4),\"OK\",\"nem OK\")","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,D77=\"Nincs\"),\"OK\",IF(D96+D97+D98+D99=4,\"OK\",\"nem OK\"))","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,E77=\"Nincs\"),\"OK\",IF(E96+E97+E98+E99=4,\"OK\",\"nem OK\"))","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,F77=\"Nincs\"),\"OK\",IF(F96+F97+F98+F99=4,\"OK\",\"nem OK\"))","v":"OK"}]
[null,null,{"$f":"IF(C132=\"OK\",1,0)","v":1},{"$f":"IF(D132=\"OK\",1,0)","v":1},1,1]
[]
["Munkahelyi adatok kitöltöttsége",null,{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,C105+C106+C107+C108=4),\"OK\",\"nem OK\")","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,D77=\"Nincs\"),\"OK\",IF(D105+D106+D107+D108=4,\"OK\",\"nem OK\"))","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,E77=\"Nincs\"),\"OK\",IF(E105+E106+E107+E108=4,\"OK\",\"nem OK\"))","v":"OK"},{"$f":"IF(OR(Alapadatok!$B$26<>Alapadatok!$I$82,F77=\"Nincs\"),\"OK\",IF(F105+F106+F107+F108=4,\"OK\",\"nem OK\"))","v":"OK"}]
[null,null,{"$f":"IF(C135=\"OK\",1,0)","v":1},{"$f":"IF(D135=\"OK\",1,0)","v":1},1,1]

{"sheet":"Appl","index":10,"n_rows":59,"n_cols":33,"rows_kept":59,"cut":false,"hidden":true,"merged":[]}
["EZ AZ OLDAL EL LESZ REJTVE"]
[{"$f":"SUM(C2:AG2)","v":{"$error":"#N/A"}},null,{"$f":"MAX(C17:C18)","v":7},null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,5,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,8,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,11,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,14,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"IF(Alapadatok!B2=Alapadatok!I46,0,VLOOKUP(Alapadatok!B3,Q8:R22,2,FALSE))","v":0},null,null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,21,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,24,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,27,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(1,$B$3:$AG$6,30,FALSE)","v":{"$error":"#N/A"}},null,{"$f":"IF(ISERR(AG9)=TRUE,AG9,0)","v":{"$error":"#DIV/0!"}}]
["A",{"$f":"'PD kamat'!L36","v":1},null,null,null,{"$f":"VLOOKUP(Ügyféladatok!B8,Appl!E8:F12,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!B25,H8:I48,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!B39,K8:L59,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!B38,N8:O35,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,{"$f":"VLOOKUP(Ügyféladatok!B9,U8:V14,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!B19,X8:Y11,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!B18,AA8:AB15,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!B40,AD8:AE20,2,FALSE)","v":{"$error":"#N/A"}}]
["A1",{"$f":"'PD kamat'!M36","v":1},null,null,null,{"$f":"VLOOKUP(Ügyféladatok!C8,Appl!E8:F12,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!C25,H8:I48,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!C39,K8:L59,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!C38,N8:O35,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,{"$f":"VLOOKUP(Ügyféladatok!C9,U8:V14,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!C19,X8:Y11,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!C18,AA8:AB15,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!C40,AD8:AE20,2,FALSE)","v":{"$error":"#N/A"}}]
["A2",{"$f":"'PD kamat'!N36","v":1},null,null,null,{"$f":"VLOOKUP(Ügyféladatok!D8,Appl!E8:F12,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!D25,H8:I48,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!D39,K8:L59,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!D38,N8:O35,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,{"$f":"VLOOKUP(Ügyféladatok!D9,U8:V14,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!D19,X8:Y11,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!D18,AA8:AB15,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!D40,AD8:AE20,2,FALSE)","v":{"$error":"#N/A"}}]
["A3",{"$f":"'PD kamat'!O36","v":1},null,null,null,{"$f":"VLOOKUP(Ügyféladatok!E8,Appl!E8:F12,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!E25,H8:I48,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!E39,K8:L59,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!E38,N8:O35,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,{"$f":"VLOOKUP(Ügyféladatok!E9,U8:V14,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!E19,X8:Y11,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!E18,AA8:AB15,2,FALSE)","v":{"$error":"#N/A"}},null,null,{"$f":"VLOOKUP(Ügyféladatok!E40,AD8:AE20,2,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,"VALUE_HU","Score point",null,"Bank","Score point",null,"VALUE_HU","Score point",null,"VALUE_HU","Score point",null,"VALUE_HU","HomeEquity","Housing",null,"VALUE_HU",null,null,"VALUE_HU",null,null,"VALUE_HU",null,null,"VALUE_HU",null,null,"fedezet irsz"]
[null,null,null,null,"Egyedülálló",0,null,"K&H Bank",8,null,"Adminisztráció/könyvelés",10,null,"Alapítvány",0,null,"Használt lakás/ház vásárlása",0,12,"V","8 általános vagy kevesebb",0,null,"kevesebb, mint 1 éve",0,null,"Tulajdonos",0,null,"Alkalmazott",0]
[null,{"$f":"Ügyféladatok!B41","v":"00:00:00"},null,null,"Házas",5,null,"AEGON Magyarország Hitel Zrt",0,null,"Államigazgatás",10,null,"Állami részvénytársaság",18,null,"Új lak./ház vásárlása (kulcsrakész)",0,26,"V","Szakmunkás",0,null,"1 - 3 év",0,null,"Társtulajdonos",0,null,"Köztisztviselő",0,null,{"$f":"10000/Alapadatok!B32","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Ügyféladatok!C41","v":"00:00:00"},null,null,"Elvált",0,null,"AXA Bank",0,null,"Bányászat",0,null,"Betéti társaság",0,null,"Lakásépítés",0,26,"É","Szakközép",0,null,"4 - 10 év",0,null,"Bérlő",0,null,"A Magyar Honvédség hivatásos állományú tagja",0]
[null,{"$f":"Ügyféladatok!D41","v":"00:00:00"},null,null,"Élettársi viszony",5,null,"Banco Popolare",0,null,"Befektetés - osztalék",0,null,"Egyéb  ",0,null,"Felújítás",0,8,"É","Gimnázium",0,null,"több, mint 10 éve",0,null,"Albérlő",0,null,"Fegyveres szervek hivatásos állományú tagja",0]
[null,{"$f":"Ügyféladatok!E41","v":"00:00:00"},null,null,"Özvegy",0,null,"Banco Primus S.A.",0,null,"Biztosítási tevékenység",0,null,"Egyéb szövetkezet",3,null,"Bővítés",0,8,"É","Főiskola",0,null,null,null,null,"Családdal él",0,null,"Közalkalmazott",0]
[null,null,null,null,null,null,null,"Banif Plus Bank",0,null,"Egészségügy",10,null,"Egyéni vállakozó",0,null,"Korszerűsítés",0,8,"É","Egyetem",0,null,null,null,null,"Szolgálati lakás",0,null,"Bíró",0]
[null,null,null,null,null,null,null,"Bank of China Hitelintézet",0,null,"Egyéb",0,null,"Egyesülés",0,null,"Közmű bevezetése",0,8,"É","Tudományos fokozat",0,null,null,null,null,"Önkormányzati lakás",0,null,"Ügyész",0]
[null,null,null,null,null,null,null,"BNP Paribas Hungária Bank",6,null,"Élelmiszeripar",10,null,"Gazdasági munkaközösség",0,null,"Szerkezetkész ingatlan megvásárlása",0,26,"V",null,null,null,null,null,null,"Egyéb jogcím",0,null,"Igazságügyi alkalmazott",0]
[null,{"$f":"SUMPRODUCT(B9:B12,B3:B6)","v":"00:00:00"},null,null,null,null,null,"Budapest Bank",6,null,"Energiaszolgáltatás",10,null,"Kamara",0,null,"Egyéb ingatlan vásárlása",0,26,"V",null,null,null,null,null,null,null,null,null,"GYES",0]
["10 hónap",{"$f":"EDATE(B16,10)","v":"1900-10-31"},{"$f":"IF(B17<TODAY(),7,0)","v":7},null,null,null,null,"CIB Bank",6,null,"Építőipar",0,null,"Korlátolt felelősségű társaság",3,null,"Egyéb ingatlan építés",0,26,"É",null,null,null,null,null,null,null,null,null,"Nyugdíjas",0]
["3 hónap",{"$f":"EDATE(B16,3)","v":"1900-03-31"},{"$f":"IF(B18<TODAY(),6,0)","v":6},null,null,null,null,"Citibank",6,null,"Erdő-, vad- és Halgazdálkodás",0,null,"Közalapítvány",0,null,"Építési telek vásárlása",0,26,"V",null,null,null,null,null,null,null,null,null,"Vállalkozó",0]
[null,null,null,null,null,null,null,"Cofidis",0,null,"Fa- és papíripar",0,null,"Közigazgatási szerv",10,null,"Földvásárlás",0,26,"V",null,null,null,null,null,null,null,null,null,"Szerződéses",0]
[null,null,null,null,null,null,null,"Commerzbank",6,null,"Fegyveres testület",23,null,"Közkereseti társaság",0,null,"Belf. pénzintézet által nyújtott hitel kiváltása",0,8,"V",null,null,null,null,null,null,null,null,null,"Egyéb",0]
[null,null,null,null,null,null,null,"Credigen Bank",0,null,"Fémipar",0,null,"Közös vállalat",0,null,"Külf. pénzintézet által nyújtott hitel kiváltása",0,8,"V"]
[null,null,null,null,null,null,null,"Credit Agricole Corporate And Investment Bank",0,null,"Gép-, jármű- és műszergyártás",23,null,"Közp. költségvetési intézmény tul. lévő kht",0,null,"Egyéb",0,8,"V"]
[null,null,null,null,null,null,null,"Deutsche Bank",0,null,"Gyógyszergyártás",10,null,"Központi költségvetési intézmény",10]
[null,null,null,null,null,null,null,"DRB Dél-Dunántúli Regionális Bank",0,null,"Informatika",10,null,"Leányvállalat",10]
[null,null,null,null,null,null,null,"egyéb",0,null,"Infrastruktuális beruházás",0,null,"Részvénytársaság",18]
[null,null,null,null,null,null,null,"Erste Bank",6,null,"Ingatlan bérbeadás",0,null,"Nem közp. költségvetési intézmény tul. lévő kht",10]
[null,null,null,null,null,null,null,"FHB",0,null,"Ingatlankereskedelem és beruházás",0,null,"Non-profit társaság",0]
[null,null,null,null,null,null,null,"Gránit Bank",0,null,"Kiadó, nyomda",10,null,"Önk. költségvetési intézmény",10]
[null,null,null,null,null,null,null,"Hanwha Bank",6,null,"Kiskereskedelem",0,null,"Pénzügyi szolgáltatást nem végző tak.szöv",0,null,"Használt lakás/ház vásárlása",0,12]
[null,null,null,null,null,null,null,"ING Bank",6,null,"Könnyűipar (egyéb)",10,null,"Pénzügyi szolgáltatást végző takarékszövetkezet",0,null,"Új lak./ház vásárlása (kulcsrakész/nem szerk.kész)",0,26]
[null,null,null,null,null,null,null,"KDB Bank",6,null,"Kőolajfeldolgozás",0,null,"Szövetkezet",3,null,"Lakásépítés",0,26]
[null,null,null,null,null,null,null,"Kinizsi Bank",0,null,"Közigazgatás",23,null,"Társadalmi szervezet",0,null,"Felújítás",0,8]
[null,null,null,null,null,null,null,"Magnet Magyar Közösségi Bank",0,null,"Külkereskedelem",0,null,"Ügyvéd, közjegyző",10,null,"Bővítés",0,8]
[null,null,null,null,null,null,null,"Magyar Cetelem",6,null,"Marketing, hirdetés",0,null,"Egyéb  ",0,null,"Belf. pénzintézet által nyújtott hitel kiváltása",0,8]
[null,null,null,null,null,null,null,"Magyar Külkereskedelmi",6,null,"Mezőgazdaság",10,null,"Nincs info",0,null,"Beruházás",0,8]
[null,null,null,null,null,null,null,"Magyar Takarékszövetkezeti Bank",0,null,"Nagyberuházás",0,null,null,null,null,"Egészségügyi kiadások",0,8]
[null,null,null,null,null,null,null,"Mohácsi Takarék Bank",0,null,"Nagykereskedelem",10,null,null,null,null,"Egyéb",0,8]
[null,null,null,null,null,null,null,"Oberbank AG",0,null,"Nehézipar (egyéb)",10,null,null,null,null,"Egyéb befektetés (pénzügyi)",0,8]
[null,null,null,null,null,null,null,"OTP Bank",6,null,"Non-profit szektor (egyéb)",0,null,null,null,null,"Egyéb családi esemény",0,8]
[null,null,null,null,null,null,null,"Pannon Takarék Bank",0,null,"Oktatás - PHD ösztöndíj",0,null,null,null,null,"Egyéb ingatlan építés",0,26]
[null,null,null,null,null,null,null,"Raiffeisen Bank",6,null,"Oktatás, képzés",10,null,null,null,null,"Egyéb ingatlan vásárlása",0,26]
[null,null,null,null,null,null,null,"Sopron Bank Burgenland",0,null,"Pénzügyi szolgáltatás",23,null,null,null,null,"Egyéb lakáscélú kiadások",0,8]
[null,null,null,null,null,null,null,"Széchenyi Kereskedelmi Bank",0,null,"Ruha- és textilipar",0,null,null,null,null,"Egyéb tartós fogyasztási cikk",0,8]
[null,null,null,null,null,null,null,"Takarékszövetkezetek",6,null,"Sporttevékenység",0,null,null,null,null,"Építési telek vásárlása",0,26]
[null,null,null,null,null,null,null,"UniCredit Bank",6,null,"Szállítás, raktározás, posta",10,null,null,null,null,"Esküvő",0,8]
[null,null,null,null,null,null,null,"Volksbank",6,null,"Szociális",10,null,null,null,null,"Földvásárlás",0,26]
[null,null,null,null,null,null,null,"WPB Capital, credit union",0,null,"Szociális - életjáradék, jogdíjak",0,null,null,null,null,"Gépkocsi vásárlás",0,8]
[null,null,null,null,null,null,null,"ZUNO BANK AG",0,null,"Szociális - GYES, GYET, GYED, TGYÁS",0,null,null,null,null,"Jogi kiadás, illeték",0,8]
[null,null,null,null,null,null,null,null,null,null,"Szociális-személyi járadék vakok részére",0,null,null,null,null,"Korszerűsítés",0,8]
[null,null,null,null,null,null,null,null,null,null,"Szolgáltatás - megbízásos alapon",0,null,null,null,null,"Közmű bevezetése",0,8]
[null,null,null,null,null,null,null,null,null,null,"Szolgáltatás (egyéb)",0,null,null,null,null,"Külf. pénzintézet által nyújtott hitel kiváltása",0,8]
[null,null,null,null,null,null,null,null,null,null,"Szolgáltatás-jogi,ügyvéd,jogász,közjegyző",0,null,null,null,null,"Likviditás megőrzése",0,8]
[null,null,null,null,null,null,null,null,null,null,"Szórakozás, kultúra",10,null,null,null,null,"Nem nevesített (hitelcél nélküli)",0,8]
[null,null,null,null,null,null,null,null,null,null,"Tanácsadás, audit",10,null,null,null,null,"Oktatás",0,8]
[null,null,null,null,null,null,null,null,null,null,"Telekommunikáció",10,null,null,null,null,"Szerkezetkész ingatlan megvásárlása",0,26]
[null,null,null,null,null,null,null,null,null,null,"Tömegközlekedés",10,null,null,null,null,"Utazás",0,8]
[null,null,null,null,null,null,null,null,null,null,"Tudományos kutatás",0]
[null,null,null,null,null,null,null,null,null,null,"Turizmus, vendéglátás",0]
[null,null,null,null,null,null,null,null,null,null,"Vegyipar",10]