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{"sheet":"UL001","index":0,"n_rows":54,"n_cols":10,"rows_kept":54,"cut":false,"hidden":false,"merged":[[39,0,51,2],[53,0,53,9],[0,0,5,9],[6,3,7,3],[6,4,7,4],[6,5,7,5],[6,6,7,6],[6,7,7,7],[6,8,7,8],[18,0,19,1],[6,0,6,1]]}
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["ügyfél név",null,null,"eltelt évek","aktuális érték ","Lojalitási \nszámla \nértéke","Jóváírt bónusz  \nértéke","Felvehető összeg (rendszeres díjból)","Felvehető összeg (eseti díjból)","Eseti \nbefizetés"]
["technikai kezdet",{"$f":"PolBeg","v":"2017-06-01"}]
["tartam",25,null,1,{"$f":"oRes!B7+oRes!D7+oRes!E7","v":52339},{"$f":"oRes!D7","v":2464},null,{"$f":"oRes!B7+IF(D9=ROUNDUP(Term/12,0),oRes!D7,0)","v":49875},{"$f":"oRes!E7","v":0},0]
["díjfizetési mód","átutalás",null,2,{"$f":"oRes!B8+oRes!D8+oRes!E8","v":189840},{"$f":"oRes!D8","v":5171},null,{"$f":"oRes!B8+IF(D10=ROUNDUP(Term/12,0),oRes!D8,0)","v":184669},{"$f":"oRes!E8","v":0},0]
["díjfizetési gyakoriság","havi",null,3,{"$f":"oRes!B9+oRes!D9+oRes!E9","v":427090},{"$f":"oRes!D9","v":8133},null,{"$f":"oRes!B9+IF(D11=ROUNDUP(Term/12,0),oRes!D9,0)","v":418957},{"$f":"oRes!E9","v":0},0]
["gyakoriság szerinti díj",20000,null,4,{"$f":"oRes!B10+oRes!D10+oRes!E10","v":739097},{"$f":"oRes!D10","v":28086},null,{"$f":"oRes!B10+IF(D12=ROUNDUP(Term/12,0),oRes!D10,0)","v":711011},{"$f":"oRes!E10","v":0},0]
["biztosítási összeg",{"$f":"MIN(DPrm*PayPa*2,1000000)","v":480000},null,5,{"$f":"oRes!B11+oRes!D11+oRes!E11","v":1082257},{"$f":"oRes!D11","v":49151},null,{"$f":"oRes!B11+IF(D13=ROUNDUP(Term/12,0),oRes!D11,0)","v":1033106},{"$f":"oRes!E11","v":0},0]
["üzleti kedvezmény",0,null,6,{"$f":"oRes!B12+oRes!D12+oRes!E12","v":1462191},{"$f":"oRes!D12","v":74528},null,{"$f":"oRes!B12+IF(D14=ROUNDUP(Term/12,0),oRes!D12,0)","v":1387663},{"$f":"oRes!E12","v":0},0]
["portfolió","Mérsékelt",null,7,{"$f":"oRes!B13+oRes!D13+oRes!E13","v":1878711},{"$f":"oRes!D13","v":101465},null,{"$f":"oRes!B13+IF(D15=ROUNDUP(Term/12,0),oRes!D13,0)","v":1777246},{"$f":"oRes!E13","v":0},0]
["éves várható hozam",7.0000000000000007E-2,null,8,{"$f":"oRes!B14+oRes!D14+oRes!E14","v":2334650},{"$f":"oRes!D14","v":130037},null,{"$f":"oRes!B14+IF(D16=ROUNDUP(Term/12,0),oRes!D14,0)","v":2204613},{"$f":"oRes!E14","v":0},0]
["index",0.05,null,9,{"$f":"oRes!B15+oRes!D15+oRes!E15","v":2832967},{"$f":"oRes!D15","v":160345},null,{"$f":"oRes!B15+IF(D17=ROUNDUP(Term/12,0),oRes!D15,0)","v":2672622},{"$f":"oRes!E15","v":0},0]
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["lejárati összeg",{"$f":"VLOOKUP(T,$D$10:$E$53,2,FALSE)","v":20023562},null,17,{"$f":"oRes!B23+oRes!D23+oRes!E23","v":8806043},{"$f":"IF(D25=ROUNDUP(Term/12,0),0,oRes!D23)","v":220823},{"$f":"IF(D25=ROUNDUP(Term/12,0),oRes!D23,0)+IF(MOD(D25,5)=0,oRes!H23,0)","v":0},{"$f":"oRes!B23+IF(D25=ROUNDUP(Term/12,0),oRes!D23,0)","v":8585220},{"$f":"oRes!E23","v":0},0]
["összes befizetés",{"$f":"SUM(oRes!L7:L51)","v":11454408},null,18,{"$f":"oRes!B24+oRes!D24+oRes!E24","v":9872917},{"$f":"IF(D26=ROUNDUP(Term/12,0),0,oRes!D24)","v":269601},{"$f":"IF(D26=ROUNDUP(Term/12,0),oRes!D24,0)+IF(MOD(D26,5)=0,oRes!H24,0)","v":0},{"$f":"oRes!B24+IF(D26=ROUNDUP(Term/12,0),oRes!D24,0)","v":9603316},{"$f":"oRes!E24","v":0},0]
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["A kalkulátor használatával a következőkre hívjuk fel a figyelmet:\nA kalkulátor példaszámítást végez, a bemutatott adatok tájékoztató jellegűek. A kalkulátorban megjelenített adatok nem minősülnek biztosításközvetítői vagy befektetési tanácsadásnak, sem szerződéskötésre vonatkozó ajánlattételnek, ajánlattételi felhívásnak, sem más egyoldalú kötelezettségvállalásnak.\nA számítás mindvégig azonos, csak példaként szolgáló hozammal készült, a számítás más hozamot alapul véve is elvégezhető. A példa elméleti jellege miatt a tényleges kifizetés a jelen kalkulátorban szereplő értékektől akár lényegesen is eltérhet, tehát lehet több, de lehet kevesebb is. A SIGNAL IDUNA Biztosító Zrt. tőke vagy hozamgaranciát nem vállal, kivéve azon alapokat, amelyeknél ezt a biztosítási feltételek kifejezetten tartalmazza. Egyes alapok árfolyamkockázatot hordozhatnak, melyre az alap leírása külön figyelemfelhívó módon utal. A termék jellegéből fakadóan a befektetési- és árfolyamkockázatot teljes egészében a szerződő viseli. A biztosításból 10 éven belüli kivét esetén a kivett összegek hozamait kamatadó terheli. "]

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["2017-06-01",1,20000,0,20000,-14800,-1200,0,0,23,0,0,0,0,0,0,0,0,0,4023,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,200,0,0,0,0,201,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,{"$f":"SUM(D6:S6)-T6","v":0},{"$f":"SUM(U6:AI6)-AJ6","v":0},{"$f":"SUM(AK6:AX6)-AY6","v":0},{"$f":"SUM(BA6:BH6)-BI6","v":0},{"$f":"SUM(BK6:BR6)-BS6","v":0},{"$f":"SUM(BU6:BY6)-BZ6","v":0}]
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["2017-08-01",3,20000,8068,20000,-14800,-1200,0,0,68,0,0,0,0,0,0,0,0,0,12136,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,402,0,0,0,0,-1,3,0,0,200,0,0,0,0,604,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2017-09-01",4,20000,12136,20000,-14800,-1200,0,0,91,0,0,0,0,0,2,0,0,0,16229,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,604,0,0,0,0,-1,5,0,0,200,0,0,0,0,808,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
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["2017-11-01",6,20000,20343,20000,-14800,-1200,0,0,138,0,0,0,0,0,0,0,0,0,24481,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1012,0,0,0,0,-2,7,0,0,200,0,0,0,0,1217,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2017-12-01",7,20000,24481,20000,-14800,-1200,0,0,161,0,0,0,0,0,24,0,0,0,28666,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1217,0,0,0,0,-2,8,0,0,200,0,0,0,0,1423,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-01-01",8,20000,28666,20000,-14800,-1200,0,0,185,0,0,0,0,0,0,0,0,0,32851,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1423,0,0,0,0,-3,9,0,0,200,0,0,0,0,1629,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-02-01",9,20000,32851,20000,-14800,-1200,0,0,208,0,0,0,0,0,0,0,0,0,37059,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1629,0,0,0,0,-3,10,0,0,200,0,0,0,0,1836,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-03-01",10,20000,37059,20000,-14800,-1200,0,0,232,0,0,0,0,0,48,0,0,0,41339,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1836,0,0,0,0,-3,12,0,0,200,0,0,0,0,2045,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-04-01",11,20000,41339,20000,-14800,-1200,0,0,256,0,0,0,0,0,0,0,0,0,45595,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2045,0,0,0,0,-4,13,0,0,200,0,0,0,0,2254,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-05-01",12,20000,45595,20000,-14800,-1200,0,0,280,0,0,0,0,0,0,0,0,0,49875,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2254,0,0,0,0,-4,14,0,0,200,0,0,0,0,2464,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-06-01",13,20000,49875,21000,-9240,-1260,0,0,341,0,0,0,0,0,71,0,0,0,60787,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2464,0,0,0,0,-4,15,0,0,210,0,0,0,0,2685,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-07-01",14,20000,60787,21000,-9240,-1260,0,0,403,0,0,0,0,0,0,0,0,0,71690,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2685,0,0,0,0,-5,16,0,0,210,0,0,0,0,2906,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-08-01",15,20000,71690,21000,-9240,-1260,0,0,465,0,0,0,0,0,0,0,0,0,82655,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2906,0,0,0,0,-5,18,0,0,210,0,0,0,0,3129,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-09-01",16,20000,82655,21000,-9240,-1260,0,0,527,0,0,0,0,0,102,0,0,0,93784,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,3129,0,0,0,0,-6,19,0,0,210,0,0,0,0,3352,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-10-01",17,20000,93784,21000,-9240,-1260,0,0,590,0,0,0,0,0,0,0,0,0,104874,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,3352,0,0,0,0,-6,20,0,0,210,0,0,0,0,3576,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-11-01",18,20000,104874,21000,-9240,-1260,0,0,652,0,0,0,0,0,0,0,0,0,116026,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,3576,0,0,0,0,-6,21,0,0,210,0,0,0,0,3801,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2018-12-01",19,20000,116026,21000,-9240,-1260,0,0,715,0,0,0,0,0,161,0,0,0,127402,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,3801,0,0,0,0,-7,23,0,0,210,0,0,0,0,4027,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-01-01",20,20000,127402,21000,-9240,-1260,0,0,780,0,0,0,0,0,0,0,0,0,138682,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4027,0,0,0,0,-7,24,0,0,210,0,0,0,0,4254,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-02-01",21,20000,138682,21000,-9240,-1260,0,0,843,0,0,0,0,0,0,0,0,0,150025,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4254,0,0,0,0,-7,25,0,0,210,0,0,0,0,4482,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-03-01",22,20000,150025,21000,-9240,-1260,0,0,908,0,0,0,0,0,225,0,0,0,161658,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4482,0,0,0,0,-8,27,0,0,210,0,0,0,0,4711,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-04-01",23,20000,161658,21000,-9240,-1260,0,0,973,0,0,0,0,0,0,0,0,0,173131,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4711,0,0,0,0,-8,28,0,0,210,0,0,0,0,4941,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-05-01",24,20000,173131,21000,-9240,-1260,0,0,1038,0,0,0,0,0,0,0,0,0,184669,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,4941,0,0,0,0,-9,29,0,0,210,0,0,0,0,5171,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-06-01",25,20000,184669,22050,-3087,-1323,0,0,1144,0,0,0,0,0,284,0,0,0,203737,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5171,0,0,0,0,-9,30,0,0,220,0,0,0,0,5412,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-07-01",26,20000,203737,22050,-3087,-1323,0,0,1252,0,0,0,0,0,0,0,0,0,222629,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5412,0,0,0,0,-9,32,0,0,220,0,0,0,0,5655,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-08-01",27,20000,222629,22050,-3087,-1323,0,0,1359,0,0,0,0,0,0,0,0,0,241628,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5655,0,0,0,0,-10,33,0,0,220,0,0,0,0,5898,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-09-01",28,20000,241628,22050,-3087,-1323,0,0,1466,0,0,0,0,0,358,0,0,0,261092,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5898,0,0,0,0,-10,35,0,0,220,0,0,0,0,6143,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
["2019-10-01",29,20000,261092,22050,-3087,-1323,0,0,1576,0,0,0,0,0,0,0,0,0,280308,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,6143,0,0,0,0,-11,36,0,0,220,0,0,0,0,6388,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,null,0,0,0,0,0,0,null,0,0,0,0,0,0]
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