{"text_format":"1","workbook":"xlsx","n_sheets":7,"sheets":["保証料","マクロ設定","入力シート","比較(リスト)","比較(現状)","比較(引き下げ)","コメント"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":6,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"保証料","index":0,"n_rows":36,"n_cols":2,"rows_kept":36,"cut":false,"hidden":true,"merged":[]}
["借入期間","保証料"]
[1,1016]
[2,1942]
[3,2844]
[4,3724]
[5,4580]
[6,5426]
[7,6240]
[8,7031]
[9,7799]
[10,8544]
[11,9302]
[12,10006]
[13,10688]
[14,11345]
[15,11982]
[16,12595]
[17,13187]
[18,13758]
[19,14308]
[20,14834]
[21,15416]
[22,15907]
[23,16374]
[24,16826]
[25,17254]
[26,17669]
[27,18063]
[28,18440]
[29,18800]
[30,19137]
[31,19457]
[32,19764]
[33,20067]
[34,20384]
[35,20610]

{"sheet":"マクロ設定","index":1,"n_rows":5,"n_cols":1,"rows_kept":5,"cut":false,"hidden":true,"merged":[]}
[]
[true]
[true]
[true]
[true]

{"sheet":"入力シート","index":2,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":false,"merged":[[15,1,16,1],[0,1,0,3],[9,1,14,1],[6,1,8,1],[2,1,5,1]]}
[null,"【住宅ローン商品の比較】"]
[]
[null,"基本設定","メモ","現在","変動金利","全期間固定金利"]
[null,null,"表示するタイトル","現在","変動金利","全期間固定"]
[null,null,"期末","2038-05-01",{"$f":"$D$5","v":"2038-05-01"},{"$f":"$D$5","v":"2038-05-01"}]
[null,null,"表示方法","西暦","西暦","西暦"]
[null,"支払設定","残高（総額）",20000000,20000000,{"$f":"$D$7","v":20000000}]
[null,null,"内賞与分",null,{"$f":"$D$8","v":0},{"$f":"$D$8","v":0}]
[null,null,"金利（％）",1.5,0.6,1.3]
[null,"銀行諸費用","事務手数料","空欄の場合自動計算→",43200]
[null,null,"保証料","空欄の場合自動計算→"]
[null,null,"金銭消費貸借契約印紙","空欄の場合自動計算→"]
[null,null,"団体信用生命保険料","手入力、空欄は0扱い→"]
[null,null,"登記費用","手入力、空欄は0扱い→",18000,180000]
[null,null,"一括返済手数料","手入力、空欄は0扱い→"]
[null,"その他","経過利息","手入力、空欄は0扱い→"]
[null,null,"戻り保証料","手入力、空欄は0扱い→"]

{"sheet":"比較(リスト)","index":3,"n_rows":19,"n_cols":5,"rows_kept":19,"cut":false,"hidden":false,"merged":[[1,0,1,1],[11,0,18,0],[2,0,6,0],[7,0,10,0]]}
[null,"【住宅ローン商品の比較】"]
[null,null,"現在","変動金利","変動金利\n（三大疾病付き）"]
["a 返済金額","残高\n（2018年3月支払後）","2,591万円","2,591万円","2,591万円"]
[null,"金利",1.975E-2,5.7499999999999999E-3,8.7500000000000008E-3]
[null,"返済年数（回数）","20年2ヶ月（242回）","20年2ヶ月（242回）","20年2ヶ月（242回）"]
[null,"毎月返済額","129,899円","113,430円","116,840円"]
[null,"ボーナス月返済額","－","－","－"]
["比較","a) 総返済額","3,144万円","2,745万円","2,828万円"]
[null,"b) 諸費用合計","－","48万円","63万円"]
[null,"a+b) 支払総額","3,144万円","2,793万円","2,891万円"]
[null,"差引メリット","－","351万円","253万円"]
["b　銀行諸費用","事務手数料","－","4万円","3万円"]
[null,"保証料","－","40万円","40万円"]
[null,"金銭消費貸借契約印紙","－","2万円","2万円"]
[null,"団体信用生命保険料","－","0円","0円"]
[null,"司法書士手数料","－","2万円","18万円"]
[null,"一括返済手数料","－","0円","0円"]
[null,"経過利息","－","0円","0円"]
[null,"戻り保証料","－","0円","0円"]

{"sheet":"比較(現状)","index":4,"n_rows":16,"n_cols":26,"rows_kept":16,"cut":false,"hidden":false,"merged":[[0,44,0,52],[0,0,0,7],[0,8,0,16],[0,17,0,25],[0,26,0,34],[0,35,0,43],[13,39,13,40],[14,39,14,40],[15,39,15,40],[12,48,12,49],[13,48,13,49],[14,48,14,49],[15,48,15,49],[12,39,12,40],[12,21,12,22],[13,21,13,22],[14,21,14,22],[15,21,15,22],[12,30,12,31],[13,30,13,31],[14,30,14,31],[15,30,15,31],[15,4,15,5],[15,12,15,13],[12,4,12,5],[13,4,13,5],[14,4,14,5],[12,12,12,13],[13,12,13,13],[14,12,14,13],[0,53,0,61],[12,57,12,58],[13,57,13,58],[14,57,14,58],[15,57,15,58],[4,45,5,45],[4,54,5,54],[4,1,5,1],[4,9,5,9],[4,18,5,18],[4,27,5,27],[4,36,5,36]]}
[]
[null,"住宅ローン比較（現状）"]
[null,"（2018年3月～2038年5月）"]
[null,null,"借入金額","金利","返済金額","期間","返済総額",null,null,null,"借入金額","金利","返済金額","期間","返済総額",null,"差額",null,null,"借入金額","金利","返済金額","期間","返済総額",null,"差額"]
[null,"現在",25912549,1.9750000000000001,129899,242,{"$f":"IF(F5=\"\",\"\",E5*F5)","v":31435558},null,null,"変動金利",25912549,0.57499999999999996,113430,242,{"$f":"IF(N5=\"\",\"\",M5*N5)","v":27450060},null,{"$f":"IF($G5=\"\",\"\",O5-$G5)","v":-3985498},null,"変動金利\n（三大疾病付き）",25912549,0.875,116840,242,{"$f":"IF(W5=\"\",\"\",V5*W5)","v":28275280},null,{"$f":"IF($G5=\"\",\"\",X5-$G5)","v":-3160278}]
[null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,"",null,null,null,null,null,null,"",null,""]
[null,1.975E-2,null,null,null,null,"",null,null,5.7499999999999999E-3,null,null,null,null,"",null,"",null,8.7500000000000008E-3,null,null,null,null,"",null,""]
[null,null,null,null,null,null,"",null,null,null,null,null,null,null,"",null,"",null,null,null,null,null,null,"",null,""]
[null,"小計　",{"$f":"SUM(C5:C8)","v":25912549},null,null,null,{"$f":"SUM(G5:G8)","v":31435558},null,null,"小計　",{"$f":"SUM(K5:K8)","v":25912549},null,null,null,{"$f":"SUM(O5:O8)","v":27450060},null,-3985498,null,"小計　",{"$f":"SUM(T5:T8)","v":25912549},null,null,null,{"$f":"SUM(X5:X8)","v":28275280},null,-3160278]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"諸経費　",480200,null,null,null,null,null,null,null,"諸経費　",631400]
[null,null,null,null,null,"合計　",{"$f":"SUM(G9:G10)","v":31435558},null,null,null,null,null,null,"合計　",{"$f":"SUM(O9:O10)","v":27930260},null,{"$f":"IF($G11=\"\",\"\",O11-$G11)","v":-3505298},null,null,null,null,null,"合計　",{"$f":"SUM(X9:X10)","v":28906680},null,{"$f":"IF($G11=\"\",\"\",X11-$G11)","v":-2528878}]
[]
[null,null,null,null,"支払金額/月　",null,{"$f":"SUM(E5:E8)","v":129899},null,null,null,null,null,"支払金額/月　",null,{"$f":"SUM(M5:M8)","v":113430},null,{"$f":"IF($G13=\"\",\"\",O13-$G13)","v":-16469},null,null,null,null,"支払金額/月　",null,{"$f":"SUM(V5:V8)","v":116840},null,{"$f":"IF($G13=\"\",\"\",X13-$G13)","v":-13059}]
[null,null,null,null,"ボーナス/回　",null,0,null,null,null,null,null,"ボーナス/回　",null,0,null,0,null,null,null,null,"ボーナス/回　",null,0,null,0]
[null,null,null,null,"年間返済額　",null,{"$f":"G13*12+G14*2","v":1558788},null,null,null,null,null,"年間返済額　",null,{"$f":"O13*12+O14*2","v":1361160},null,-197628,null,null,null,null,"年間返済額　",null,{"$f":"X13*12+X14*2","v":1402080},null,-156708]
[null,null,null,null,"残返済期間　",null,"20年2ヶ月",null,null,null,null,null,"残返済期間　",null,"20年2ヶ月",null,null,null,null,null,null,"残返済期間　",null,"20年2ヶ月"]

{"sheet":"比較(引き下げ)","index":5,"n_rows":16,"n_cols":16,"rows_kept":16,"cut":false,"hidden":false,"merged":[[4,8,5,8],[4,1,5,1],[14,4,14,5],[14,11,14,12],[15,4,15,5],[15,11,15,12],[12,4,12,5],[12,11,12,12],[13,4,13,5],[13,11,13,12]]}
[]
[null,"住宅ローン比較（金利引き下げ）"]
[null,"（2018年3月～2038年5月）"]
[null,null,"借入金額","金利","返済金額","期間","返済総額",null,null,"借入金額","金利","返済金額","期間","返済総額",null,"差額"]
[null,"現在\n（引き下げ後）",25912549,0.74399999999999999,115343,242,{"$f":"IF(F5=\"\",\"\",E5*F5)","v":27913006},null,"変動金利",25912549,0.57499999999999996,113430,242,{"$f":"IF(M5=\"\",\"\",L5*M5)","v":27450060},null,{"$f":"IF($G5=\"\",\"\",N5-$G5)","v":-462946}]
[null,null,null,null,null,null,"",null,null,null,null,null,null,"",null,""]
[null,7.4400000000000004E-3,null,null,null,null,"",null,5.7499999999999999E-3,null,null,null,null,"",null,""]
[null,null,null,null,null,null,"",null,null,null,null,null,null,"",null,""]
[null,"小計　",{"$f":"SUM(C5:C8)","v":25912549},null,null,null,{"$f":"SUM(G5:G8)","v":27913006},null,"小計　",{"$f":"SUM(J5:J8)","v":25912549},null,null,null,{"$f":"SUM(N5:N8)","v":27450060},null,-462946]
[null,null,null,null,null,null,null,null,null,null,null,null,"諸経費　",480200]
[null,null,null,null,null,"合計　",{"$f":"SUM(G9:G10)","v":27913006},null,null,null,null,null,"合計　",{"$f":"SUM(N9:N10)","v":27930260},null,{"$f":"IF($G11=\"\",\"\",N11-$G11)","v":17254}]
[]
[null,null,null,null,"支払金額/月　",null,{"$f":"SUM(E5:E8)","v":115343},null,null,null,null,"支払金額/月　",null,{"$f":"SUM(L5:L8)","v":113430},null,{"$f":"IF($G13=\"\",\"\",N13-$G13)","v":-1913}]
[null,null,null,null,"ボーナス/回　",null,0,null,null,null,null,"ボーナス/回　",null,0,null,0]
[null,null,null,null,"年間返済額　",null,{"$f":"G13*12+G14*2","v":1384116},null,null,null,null,"年間返済額　",null,{"$f":"N13*12+N14*2","v":1361160},null,-22956]
[null,null,null,null,"残返済期間　",null,"20年2ヶ月",null,null,null,null,"残返済期間　",null,"20年2ヶ月"]

{"sheet":"コメント","index":6,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[[0,0,58,8]]}