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[]
[null,null,"Розрахунок витрат за кредитом \"Кредитна лінія під заставу депозиту\""]
[null,null,"Вихідні параметри",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AC21+AD21+AC22+AD22","v":3258.9041095890416}]
[null,"Вид продукту",null,null,"КЛ під депозит",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"факт/360",1]
[null,"Приблизна дата видачі кредиту",null,null,"2025-04-01",null,null,"Метод нарахування процентних доходів ",null,null,null,null,"факт/факт",null,null,null,null,null,null,null,null,null,null,"Грн",null,"іноземна",null,null,null,null,null,"факт/факт",2]
[null,"Строк кредитування",null,null,12,"1-12 міс",null,"Термін дії кредиту відповідає строку дії картки",null,null,null,null,"Ні",null,null,null,null,null,null,null,null,null,null,null,null,19.5]
[null,"Сума кредиту, грн",null,null,100000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"за депозитами фізичних осіб без права дострокового розірвання (від 93 днів)",2.5,null,null,null,null,null,null,"Бонус",3,24]
[null,"Процентна ставка, % річних ",null,null,{"$f":"IF(M8=\"національна\",IF(M10=X6,M9+Y6,IF(M10=X7,M9+Y7,M9+Y8)),Z6)","v":19.5},null,null,"Валюта депозиту: національна або іноземна",null,null,null,null,"іноземна",null,null,null,null,null,null,null,null,null,3,"за депозитами юридичних осіб",2.5,null,null,null,null,null,null,null,null,36]
[null,"Місяць початку погашення основного боргу",null,null,12,"1 або = строку кредиту",null,"% ставка за депозитом у нац валюті, який є заставою за кредитом",null,null,null,null,12.5,"якщо \"іноземна\", не обирати",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Тепле житло",5]
[null,"Загальні витрати по кредиту",null,null,{"$f":"D202+SUM(H18:S18)-E7-K18","v":20746.57534246576},null,null,"Вид депозиту",null,null,null,null,"за депозитами фізичних осіб без права дострокового розірвання (від 93 днів)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"КЛ під депозит",null,null,"національна"]
[null,null,null,null,null,null,null,null,"поля підлягають коригуванню",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"іноземна"]
[]
["Місяці","Дата","Кількість днів","Сума платежу за розрахунковий період","У тому числі:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Орієнтовна реальна процентна ставка, %","Орієнтовна загальна вартість кредиту, грн",null,null,"Кількість днів для розрахунку %% - для 1го періоду","Кількість днів для розрахунку %% - для останнього періоду","Кількість днів для розрахунку %% - до 20 числа","Кількість днів для розрахунку %% - після 20 числа","360/365/366","1й та останній міс","Інші періоди",null,{"$f":"DAY(B20)","v":1},{"$f":"MONTH(B20)","v":4},{"$f":"YEAR(B20)","v":2025}]
[null,null,null,null,"Погашення основної суми кредиту","Проценти за користування кредитом","Залишок заборгованості","Платежі за надані додаткові та/або супутні послуги на користь банку, у тому числі за:",null,null,null,null,null,"Плажеті за надані додаткові та/або супутні послуги на користь третіх осіб, пов'язаних із:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR($E$4=\"Картки\",$E$4=\"Кредитка\"),IF($M$6=\"Так\",IF($AG$13>=25,(E6+1)+1,E6+1),E$6),IF($M$6=\"Так\",IF($AG$13>=25,(E6+1)+1,E6+1),E$6))","v":12},"срок по карточкам в зависимости от параметра"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR($E$4=\"Картки\",$E$4=\"Кредитка\"),IF($M$6=\"Так\",IF($AG$13>=25,(E9+1)+1,E9+1),E9),IF($M$6=\"Так\",IF($AG$13>=25,(E9+1)+1,E9+1),E9))","v":12},"срок начала погашения"]
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[null,null,null,null,null,null,null,"Комісія за надання  кредиту, %","Розрахунково касове обслуговування, %","За надання кредиту готівкою, %","За безготівкове перерахування кредитних коштів, % ","Відкриття та ведення поточного рахунку, грн","Інші послуги банку (зазначається на назва послуги), грн","Страхуванням працездатності, %","Страхуванням цивільної відповідальності, грн","Страхуванням іпотеки/ застави (КАСКО), %                                                     ","послугами нотаріусів, грн ","послугами оцінювача, грн                                       ","Іншими послугами третіх осіб, грн"]
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[]
["Всі платежі в Таблиці обчислення орієнтовної загальної вартості кредиту та орієнтовної реальної річної процентної ставки (далі  - Таблиця) наведені у гривні.\nНаведена Таблиця є репрезентативною та базується на обраних позичальником умовах кредитування, та на припущенні, що кредит позичальником буде отримано в повному обсязі відповідно до суми, встановленої кредитним договором, а погашення кредиту буде проводитись відповідно до графіку, визначеного кредитним договором, кредитний договір  залишатиметься дійсним протягом всього строку кредитування, а Банк і позичальник виконають свої обов’язки на умовах та у строки, визначені в кредитному договорі. \nОрієнтовна реальна річна процентна ставка обчислена на основі припущення, що кредитні кошти видано готівкою та процентна ставка та інші платежі за додаткові та супутні послуги Банку залишатимуться незмінними та застосовуватимуться протягом строку дії кредитного договору. \nОрієнтовна вартість додаткової / супутньої послуги третіх осіб визначається Банком за аналогічними, вже укладеними договорами про споживчий кредит за попередні три місяці, або у разі відсутності таких договорів за середньою вартістю такої послуги, визначеною Банком за результатами аналізу вартості послуг, що пропонуються щонайменше трьома постачальниками на ринку таких послуг.\nВикористання інших способів надання кредиту та/або зміна інших умов кредитування можуть мати наслідком застосування іншої реальної річної процентної ставки для позичальника. Протягом строку дії кредитного договору значення орієнтовної реальної річної процентної ставки  може змінюватися як в сторону збільшення, так і в сторону зменшення. У цьому випадку зміни до Таблиці не вносяться (якщо таке не вимагає одна зі сторін).\n\n"]