{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Anfang","gleichmäßiges TP","ungleichmäßiges TP","Annuitäten","Zum Nachlesen","Berechnungen"],"not_rendered":{"charts":0,"images":11,"macros":1,"external_links":0,"defined_names":28,"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":"Anfang","index":0,"n_rows":27,"n_cols":10,"rows_kept":27,"cut":false,"hidden":false,"merged":[[25,9,29,11]]}
[]
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[]
[]
[]
[null,null,"Was für ein Tilgungsprofil wird angefragt?"]
[]
[null,null,null,null,"(gleich hohe Tilgungen, die in gleichen Abständen gezahlt werden)"]
[]
[null,null,null,null,"(unterschiedlich hohe Raten, die in unregelmäßigen Abständen gezahlt werden)"]
[]
[null,null,null,null,"(gleich bleibende Raten aus Tilgung und Zinszahlung, die in gleichen Abständen gezahlt werden)"]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Was sagt der Konsensus zum Tilgungsprofil?"]
[]
[]
[]
[null,null,"BERATUNG",null,null,null,null,null,null,"© Copyright 2023 Euler Hermes Aktiengesellschaft \n– Alle Inhalte (insbesondere Texte, Grafiken, Rechner) sind urheberrechtlich geschützt. Sämtliche Rechte bleiben vorbehalten. "]
[null,null,"Telefon: +49 (0) 40 / 88 34 - 90 00"]

{"sheet":"gleichmäßiges TP","index":1,"n_rows":424,"n_cols":9,"rows_kept":424,"cut":false,"hidden":false,"merged":[[4,2,7,2],[11,2,12,2],[422,8,427,8]]}
[]
[null,null,"Gleichmäßiges Tilgungsprofil"]
[null,null,null,null,null,null,"hier Geschäftsdetails eintragen"]
[null,null,null,null,null,null,"↓"]
[null,null,"Input","Kreditbetrag (Kapital ohne Zinsen)"]
[null,null,null,"Kreditlaufzeit (in Jahren)",null,null,null,null,{"$f":"IF(G6>15,\"Die Kreditlaufzeit darf höchstens 15 Jahre betragen; bei Transaktionen, die unter das CCSU fallen, maximal 22 Jahre, je nach Projekt. Insbesondere sollte die Kreditlaufzeit die wirtschaftliche Nutzungsdauer nicht überschreiten.\",\"\")","v":""}]
[null,null,null,"Anzahl der Tilgungen pro Jahr"]
[null,null,null,"Zeitpunkt der ersten Rate (in Monaten nach SPOC)",null,null,null,null,{"$f":"IF(G8>24,\"Die erste Rate muss spätestens 24 Monate nach SPOC erfolgen. Nur bei Transaktionen, die unter das CCSU fallen, kann die erste Rate bis zu 36 Monate nach SPOC gezahlt werden.\",\"\")","v":""}]
[]
[]
[]
[null,null,"Kontrolle","   Weigthed Average Life (WAL)",null,null,{"$f":"IFERROR(SUMPRODUCT(D19:D418,E19:E418)/G5/12,\"\")","v":""},null,{"$f":"IF(G12=\"\",\"\",(IF(G12>MAX(6,G6*0.65),\"Das Tilgungsprofil ist so nicht zulässig. Die WAL darf höchstens 65% der KLZ (hier \"&0.65*G6&\") bzw. 6 Jahre ausmachen. Für Transaktionen, die unter das CCSU fallen, sind maximal 70% der KLZ (hier \"&0.7*G6&\") zulässig.\",\"\")))","v":""}]
[null,null,null,"   Anteil der höchsten Rate am Kreditbetrag",null,null,{"$f":"IFERROR(MAX(E19:E418)/G5,\"\")","v":""},null,{"$f":"IF(G13=\"\",\"\",IF(G13>0.3,\"Das Tilgungsprofil ist so nicht zulässig. Die höchste Rate darf maximal 30,0% des Kreditbetrags ausmachen. Für Transaktionen, die unter das CCSU fallen, sind 35,0% zulässig.\",\"\"))","v":""}]
[]
[]
[]
[]
[null,null,"Rate","Zeitpunkt der Ratenzahlung nach SPOC","Höhe der Ratenzahlung (Kapitalbetrag)","ausstehender Kreditbetrag"]
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[]
[]
[]
[]
[null,null,null,"BERATUNG",null,null,null,null,"© Copyright 2023 Euler Hermes Aktiengesellschaft \n– Alle Inhalte (insbesondere Texte, Grafiken, Rechner) sind urheberrechtlich geschützt. Sämtliche Rechte bleiben vorbehalten. "]
[null,null,null,"Telefon: +49 (0) 40 / 88 34 - 90 00"]

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[]
[null,null,"Ungleichmäßiges Tilgungsprofil"]
[null,null,null,null,"hier Geschäftsdetails eintragen"]
[null,null,null,null,"↓","↓"]
[null,null,"Rate","Zeitpunkt in Jahren","Zeitpunkt der Ratenzahlung nach SPOC","Höhe der Ratenzahlung (Kapitalbetrag)","ausstehender Kreditbetrag"]
[]
[]
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[null,null,3,"",null,null,0]
[null,null,4,"",null,null,0,null,null,null,null,null,null,{"$f":"MAX(E8:E407)/12","v":0},null,{"$f":"IF(N11>15,\"Die Kreditlaufzeit darf höchstens 15 Jahre betragen. Für Transaktionen, die unter das CCSU fallen, sind maximal 22 Jahre möglich, je nach Projekt. Insbesondere sollte die Kreditlaufzeit die wirtschaftliche Nutzungsdauer nicht überschreiten.\",\"\")","v":""}]
[null,null,5,"",null,null,0,null,null,null,"   Kreditlaufzeit (in Jahren)"]
[null,null,6,"",null,null,0]
[null,null,7,"",null,null,0,null,null,null,null,null,null,{"$f":"IF(N8=0,\"\",SUMPRODUCT(E8:E407,F8:F407)/N8/12)","v":""},null,{"$f":"IF(N14=\"\",\"Für die Berechnung muss das Tilgungsprofil eingetragen werden.\",IF(N14>MAX(6,N11*0.65),\"Das Tilgungsprofil ist so nicht zulässig. Die WAL darf höchstens 65% der KLZ (hier \"&0.65*N11&\") bzw. 6 Jahre ausmachen.Für Transaktionen, die unter das CCSU fallen, sind maximal 70% der KLZ (hier \"&0.7*N11&\") zulässig.\",\"\"))","v":"Für die Berechnung muss das Tilgungsprofil eingetragen werden."}]
[null,null,8,"",null,null,0,null,null,null,"   Weigthed Average Life (WAL)"]
[null,null,9,"",null,null,0]
[null,null,10,"",null,null,0,null,null,null,null,null,null,{"$f":"IF(N8=0,\"\",MAX(F8:F407)/N8)","v":""},null,{"$f":"IF(N17=\"\",\"Für die Berechnung muss das Tilgungsprofil eingetragen werden.\",IF(N17>0.3,\"Das Tilgungsprofil ist so nicht zulässig. Die höchste Rate darf maximal 30,0% des Kreditbetrags ausmachen. Für Transaktionen, die unter das CCSU fallen, sind 35,0% zulässig.\",\"\"))","v":"Für die Berechnung muss das Tilgungsprofil eingetragen werden."}]
[null,null,11,"",null,null,0,null,null,null,"   Anteil der höchsten Rate am Kreditbetrag"]
[null,null,12,"",null,null,0]
[null,null,13,"",null,null,0,null,null,null,null,null,null,{"$f":"IF(E8=\"\",\"\",$E$8)","v":""},null,{"$f":"IF(N20>24,\"Die erste Rate muss spätestens 24 Monate nach SPOC erfolgen. Nur bei Transaktionen, die unter das CCSU fallen, kann die erste Rate bis zu 36 Monate nach SPOC gezahlt werden.\",\"\")","v":"Die erste Rate muss spätestens 24 Monate nach SPOC erfolgen. Nur bei Transaktionen, die unter das CCSU fallen, kann die erste Rate bis zu 36 Monate nach SPOC gezahlt werden."}]
[null,null,14,"",null,null,0,null,null,null,"   Zeitpunkt der ersten Rate (in Monaten nach SPOC)"]
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[]
[null,null,null,"BERATUNG",null,null,null,null,"© Copyright 2023 Euler Hermes Aktiengesellschaft \n– Alle Inhalte (insbesondere Texte, Grafiken, Rechner) sind urheberrechtlich geschützt. Sämtliche Rechte bleiben vorbehalten. "]
[null,null,null,"Telefon: +49 (0) 40 / 88 34 - 90 00"]

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[]
[null,null,"Annuitäten"]
[null,null,null,null,null,null,"hier Geschäftsdetails eintragen"]
[null,null,null,null,null,null,"↓"]
[null,null,"Input","Kreditbetrag (Kapital ohne Zinsen)",null,null,null,{"$f":"IFERROR(IF(SUM(H24:H423)=0,\"\",IF(ROUND(SUM(H24:H423),0)<>$G$5,\"Die Summe der Raten entspricht nicht dem Kreditbetrag.\",\"\")),\"\")","v":""}]
[null,null,null,"Zinsen (Betrag)"]
[null,null,null,"ODER\nZinssatz p.a."]
[null,null,null,"Kreditlaufzeit (in Jahren)",null,null,null,{"$f":"IF(G8>15,\"Die Kreditlaufzeit darf höchstens 15 Jahre betragen; bei Transaktionen, die unter das CCSU fallen, maximal 22 Jahre, je nach Projekt. Insbesondere sollte die Kreditlaufzeit die wirtschaftliche Nutzungsdauer nicht überschreiten.\",\"\")","v":""}]
[null,null,null,"Anzahl der Tilgungen pro Jahr"]
[null,null,null,"Zeitpunkt der ersten Rate (in Monaten nach SPOC)",null,null,null,{"$f":"IF(G10>24,\"Die erste Rate muss spätestens 24 Monate nach SPOC erfolgen. Nur bei Transaktionen, die unter das CCSU fallen, kann die erste Rate bis zu 36 Monate nach SPOC gezahlt werden.\",\"\")","v":""}]
[]
[null,null,null,"Zinssatz pro Periode",null,null,{"$f":"IF($G$9=0,0,IF($G$6>0,RATE($G$9*$G$8,F24,$G$5*(-1)),$G$7/$G$9))","v":0}]
[]
[]
[null,null,"Kontrolle","   Weigthed Average Life (WAL)",null,null,{"$f":"IFERROR(SUMPRODUCT(D24:D423,F24:F423)/G5/12,\"\")","v":""},{"$f":"IF(G15=\"\",\"Für die Berechnung muss Input eingegeben werden.\",IF(G15>MAX(6,G8*0.65),\"Das Tilgungsprofil ist so nicht zulässig. Die WAL darf höchstens 65% der KLZ (hier \"&0.65*G8&\") bzw. 6 Jahre ausmachen. Für Transaktionen, die unter das CCSU fallen, sind maximal 70% der KLZ (hier \"&0.7*G8&\") zulässig.\",\"\"))","v":"Für die Berechnung muss Input eingegeben werden."}]
[null,null,null,"   Anteil der höchsten Rate am Kreditbetrag",null,null,{"$f":"IFERROR(MAX(H24:H423)/G5,\"\")","v":""},{"$f":"IF(G15=\"\",\"Für die Berechnung muss Input eingegeben werden.\",IF(G16>0.3,\"Das Tilgungsprofil ist so nicht zulässig. Die höchste Rate darf maximal 30,0% des Kreditbetrags ausmachen. Für Transaktionen, die unter das CCSU fallen, sind 35,0% zulässig.\",\"\"))","v":"Für die Berechnung muss Input eingegeben werden."}]
[]
[]
[]
[]
[null,null,"Rate","Zeitpunkt der Ratenzahlung nach SPOC\n(in Monaten)","Zeitpunkt in Jahren","Höhe der Ratenzahlung","Zinsbetrag","Kapitalbetrag","ausstehender Kreditbetrag \n(Kapital ohne Zinsen)"]
[null,null,null,"total",null,{"$f":"SUM(F23:F423)","v":0},{"$f":"SUM(G23:G423)","v":0},{"$f":"SUM(H23:H423)","v":0}]
[null,null,null,null,null,null,null,null,{"$f":"G5","v":0}]
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[null,null,"BERATUNG",null,null,null,null,null,null,"© Copyright 2023 Euler Hermes Aktiengesellschaft \n– Alle Inhalte (insbesondere Texte, Grafiken, Rechner) sind urheberrechtlich geschützt. Sämtliche Rechte bleiben vorbehalten. "]
[null,null,"Telefon: +49 (0) 40 / 88 34 - 90 00"]

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[null,"per 15. Juli 2023, gemäß OECD-Konsensus"]

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