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{"sheet":"Indice","index":0,"n_rows":30,"n_cols":3,"rows_kept":30,"cut":false,"hidden":false,"merged":[[5,2,10,11],[28,2,28,4],[27,2,27,4],[29,2,29,4]]}
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[null,null,"Piano d'ammortamento e calcolo Taeg\nVer. 3.0 -2014"]
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[null,null,".: S t u d i o   B a t t a g l i a  -  R a g u s a :."]
[null,null,"Dottore Commercialista - Revisore Contabile"]
[null,null,"Via J.A. Spataro,17/a - 97100 Ragusa"]
[null,null,"web: www.crescitapmi.it"]
[null,null,"blog: www.indipendenzafinanziaria.it"]
[null,null,"studiobattaglia@crescitapmi.it"]

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["Capitale finanziato",null,30000]
["Tasso di interesse annuo",null,0.13]
["Durata anni",null,10]
["Pagamenti per anno",null,12]
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["Totale interessi",null,{"$f":"SUM(D11:D130)","v":23751.866391800948}]
["Montante",null,{"$f":"C5*C4","v":5375.186639180095}]
[]
["N°","Rata","Q Capitale","Q interessi","Capitale restituito","Capitale da restituire"]
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{"sheet":"TAEG","index":2,"n_rows":93,"n_cols":4,"rows_kept":93,"cut":false,"hidden":false,"merged":[]}
[null,"IPOTESI A","IPOTESI B","IPOTESI C"]
["Periodicità rate:","mensile","mensile","mensile"]
["N.° rate o periodi (Es: 12 mensilità x 10 anni = 120 rate)",120,120,120]
["Tan",0.13,0.13,0.13]
["Importo rata",447.93,447.93,447.93]
["Costi ricorrenti ",0,21,21]
["Importo rata + costi ricorrenti (ad es. spese d'incasso)",{"$f":"B5+B6","v":447.93},{"$f":"C5+C6","v":468.93},468.93]
["Importo erogato lordo",30000,30000,30000]
["Costi accessori una tantum (ad es. spese d'istruttoria)",0,0,5000]
["Importo netto del finanziamento erogato",{"$f":"B8-B9","v":30000},{"$f":"C8-C9","v":30000},25000]
["Valore futuro\n(eventuale saldo in contanti a fine del prestito)",0]
["Pagamento rata:\ninizio periodo =1; fine periodo =0",0]
["Valore dichiarato (n° rate x importo)",{"$f":"IF(B5>0,B3*B7,\"\")","v":53751.6},{"$f":"IF(C5>0,C3*C7,\"\")","v":56271.6},{"$f":"IF(D5>0,D3*D5,\"\")","v":53751.6}]
["Anni di durata del prestito",{"$f":"IF(B5>0,IF(B$2=\"annuale\",B3/1,IF(B$2=\"semestrale\",B3/2,IF(B$2=\"quadrimestrale\",B3/3,IF(B$2=\"trimestrale\",B3/4,IF(B$2=\"bimestrale\",B3/6,IF(B$2=\"mensile\",B3/12,)))))),\"\")","v":10},{"$f":"IF(C5>0,IF(C$2=\"annuale\",C3/1,IF(C$2=\"semestrale\",C3/2,IF(C$2=\"quadrimestrale\",C3/3,IF(C$2=\"trimestrale\",C3/4,IF(C$2=\"bimestrale\",C3/6,IF(C$2=\"mensile\",C3/12,)))))),\"\")","v":10},{"$f":"IF(D5>0,IF(D$2=\"annuale\",D3/1,IF(D$2=\"semestrale\",D3/2,IF(D$2=\"quadrimestrale\",D3/3,IF(D$2=\"trimestrale\",D3/4,IF(D$2=\"bimestrale\",D3/6,IF(D$2=\"mensile\",D3/12,)))))),\"\")","v":10}]
["Tasso di periodo",{"$f":"IF(B3>0,RATE(B3,-B7,B10,B11,B12),\"\")","v":1.0833228785569788E-2},{"$f":"IF(C3>0,RATE(C3,-C7,C10,C11,C12),\"\")","v":1.1811067356723465E-2},{"$f":"IF(D3>0,RATE(D3,-D5,D10,D11,D12),\"\")","v":1.4868689815651493E-2}]
["Tasso annuo",{"$f":"IF(B5>0,B15*IF(B2=\"annuale\",1,IF(B2=\"semestrale\",2,IF(B2=\"quadrimestrale\",3,IF(B2=\"trimestrale\",4,IF(B2=\"bimestrale\",6,IF(B2=\"mensile\",12)))))),\"\")","v":0.12999874542683745},{"$f":"IF(C5>0,C15*IF(C2=\"annuale\",1,IF(C2=\"semestrale\",2,IF(C2=\"quadrimestrale\",3,IF(C2=\"trimestrale\",4,IF(C2=\"bimestrale\",6,IF(C2=\"mensile\",12)))))),\"\")","v":0.14173280828068158},{"$f":"IF(D5>0,D15*IF(D2=\"annuale\",1,IF(D2=\"semestrale\",2,IF(D2=\"quadrimestrale\",3,IF(D2=\"trimestrale\",4,IF(D2=\"bimestrale\",6,IF(D2=\"mensile\",12)))))),\"\")","v":0.17842427778781791}]
["TAEG",{"$f":"IF(B7>0,EFFECT(B16,IF(B2=\"annuale\",1,IF(B2=\"semestrale\",2,IF(B2=\"quadrimestrale\",3,IF(B2=\"trimestrale\",4,IF(B2=\"bimestrale\",6,IF(B2=\"mensile\",12))))))),\"\")","v":0.13803106917114238},{"$f":"IF(C7>0,EFFECT(C16,IF(C2=\"annuale\",1,IF(C2=\"semestrale\",2,IF(C2=\"quadrimestrale\",3,IF(C2=\"trimestrale\",4,IF(C2=\"bimestrale\",6,IF(C2=\"mensile\",12))))))),\"\")","v":0.15131219752692715},{"$f":"IF(D5>0,EFFECT(D16,IF(D2=\"annuale\",1,IF(D2=\"semestrale\",2,IF(D2=\"quadrimestrale\",3,IF(D2=\"trimestrale\",4,IF(D2=\"bimestrale\",6,IF(D2=\"mensile\",12))))))),\"\")","v":0.19376337127758436}]
["Tabella rilevazione dei TEGM ai fini della legge sull'usura applicata","Rilevaz.: 1° ott - 31 dic 12\nApplic: 1° apr - 30 giu 13","Rilevaz.: 1° ott - 31 dic 12\nApplic: 1° apr - 30 giu 13","Rilevaz.: 1° ott - 31 dic 12\nApplic: 1° apr - 30 giu 13"]
["Categoria","Prestiti contro cessione del quinto dello stipendio o della pensione","Prestiti contro cessione del quinto dello stipendio o della pensione","Prestiti contro cessione del quinto dello stipendio o della pensione"]
["TEGM (fino a 5.000,00)",0.1226,0.1226,0.1226]
["Tasso di soglia (fino a 5.000,00)",{"$f":"IF(B20=0,\"\",(B20*1.25)+4%)","v":0.19325000000000001},{"$f":"IF(C20=0,\"\",(C20*1.25)+4%)","v":0.19325000000000001},{"$f":"IF(D20=0,\"\",(D20*1.25)+4%)","v":0.19325000000000001}]
["TEGM (oltre 5.000,00)",0.1193,0.1193,0.1193]
["Tasso di soglia (oltre 5.000,00)",{"$f":"(B22*1.25)+4%","v":0.18912500000000002},{"$f":"(C22*1.25)+4%","v":0.18912500000000002},0.18912500000000002]
["Note"]
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["annuale"]
["semestrale"]
["quadrimestrale"]
["trimestrale"]
["bimestrale"]
["mensile"]