{"text_format":"1","workbook":"xlsx","n_sheets":3,"sheets":["TableauBord","SimulationResultat","TauxBanques"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":15,"comments":1,"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":"TableauBord","index":0,"n_rows":22,"n_cols":4,"rows_kept":22,"cut":false,"hidden":false,"merged":[[1,1,1,2],[0,1,0,2]]}
[null,"Calculette "]
[null,"PGE Prêt Garanti Par l'Etat "]
[]
["Montant du Prêt",100000,"Euros","Indiquer le Montant du Prêt"]
["Franchise Durée",12,"Mois","Indiquer la Durée de la Franchise en Mois. 12 Mois Uniquement"]
["Amortissement Durée",48,"Mois","Indiquer la Duréee d'Amortissement du Prêt"]
["Duree Totale du Prêt",{"$f":"+SUM(B5:B6)","v":60},"Mois","La Duréee Totale du Crédit, Franchise comprise ne doit pas dépasser 60 Mois"]
["Taux Bancaire du Prêt",8.0000000000000002E-3,null,"Indiquer le Taux d'Intérêt de la Banque. Le taux peut être différent en fonction de la durée toale du prêt"]
["Taux Garantie BPI",2.5000000000000001E-3,null,"Le Taux de la Garantie BPI aplliqué à l'échéance du prêt"]
["Taux Garantie BPI 1-2 ans",5.0000000000000001E-3,null,"Le Taux de la Garantie BPI appliqué les deux premières années en cas de remboursement différé"]
["Taux Garantie BPI 3-5 ans",0.01,null,"Le Taux de la Garantie BPI appliqué de la 3ème à la 5 ème années en cas de remboursement différé"]
[]
["Échéances Mensuelles Bancaires",{"$f":"-PMT(TauxBancaire/12,AmortissementDuree,MontantPret)","v":2117.5387494902006},null,"Montant des Échéances Mensuelles Bancaires"]
["Coût du Crédit Bancaire",{"$f":"+SUM(SimulationResultat!D2:D63)","v":2441.8600131295793},null,"Coût du Crédit Bancaire (Hors Assurance)"]
["Coût de la Garantie BPI",{"$f":"+SUM(SimulationResultat!G2:G63)","v":2358.8495165946338},null,"Coût de la Garantie BPI"]
["Coût Total du Crédit (Hors Assurance)",{"$f":"SUM(B14:B15)","v":4800.7095297242131}]
[]
[null,null,null,"Les données sont calculées après avoir validé en appuyant sur le bouton Calcul Echéancier"]
[null,null,null,"L'Echéancier est visible sur la Feuille Simulation Resultat"]
[]
[null,null,null,"NB De faibles écarts peuvent être notés en raison des rêgles de calcul propres à chaque organisme bncaire"]
[null,null,null,"Ces documents n'ont pas valeur contractuelle. L'Union Dentaire ne peut être tenue reponsable  de toute conséquence de l'utlisation de cette calculette"]

{"sheet":"SimulationResultat","index":1,"n_rows":62,"n_cols":8,"rows_kept":62,"cut":false,"hidden":false,"merged":[]}
[null,"Capital Debut Periode","Echeance Organisme Bancaire","Interets","Amortissements","Capital Restant Dû","Echeance Garantie ","Echeance Mensuelle"]
[0,100000,0,0,{"$f":"+C2-D2","v":0},100000,250,{"$f":"SUM(C2,G2)","v":250}]
[{"$f":"+A2+1","v":1},{"$f":"+F2","v":100000},{"$f":"+D3+E3","v":66.666666666666671},{"$f":"+(TauxBancaire/12)*B3","v":66.666666666666671},0,{"$f":"+B3-E3","v":100000},{"$f":"+B3*TxGBPI24/12","v":41.666666666666664},{"$f":"+C3+G3","v":108.33333333333334}]
[{"$f":"+A3+1","v":2},{"$f":"+F3","v":100000},{"$f":"+D4+E4","v":66.666666666666671},{"$f":"+(TauxBancaire/12)*B4","v":66.666666666666671},0,{"$f":"+B4-E4","v":100000},{"$f":"+B4*TxGBPI24/12","v":41.666666666666664},{"$f":"+C4+G4","v":108.33333333333334}]
[3,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B5","v":66.666666666666671},0,100000,{"$f":"+B5*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[4,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B6","v":66.666666666666671},0,100000,{"$f":"+B6*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[5,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B7","v":66.666666666666671},0,100000,{"$f":"+B7*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[6,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B8","v":66.666666666666671},0,100000,{"$f":"+B8*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[7,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B9","v":66.666666666666671},0,100000,{"$f":"+B9*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[8,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B10","v":66.666666666666671},0,100000,{"$f":"+B10*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[9,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B11","v":66.666666666666671},0,100000,{"$f":"+B11*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[10,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B12","v":66.666666666666671},0,100000,{"$f":"+B12*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[11,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B13","v":66.666666666666671},0,100000,{"$f":"+B13*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[12,100000,66.666666666666671,{"$f":"+(TauxBancaire/12)*B14","v":66.666666666666671},0,100000,{"$f":"+B14*TxGBPI24/12","v":41.666666666666664},108.33333333333334]
[13,100000,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B15","v":66.666666666666671},{"$f":"+C15-D15","v":2050.8720333333335},97949.127966666667,{"$f":"+B15*TxGBPI24/12","v":41.666666666666664},2159.2053666666666]
[14,{"$f":"+F15","v":97949.127966666667},2117.5387000000001,{"$f":"+(TauxBancaire/12)*B16","v":65.299418644444444},{"$f":"+C16-D16","v":2052.2392813555557},{"$f":"+B16-E16","v":95896.888685311118},{"$f":"+B16*TxGBPI24/12","v":40.812136652777781},{"$f":"+C16+G16","v":2158.3508366527776}]
[15,95896.888685311118,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B17","v":63.931259123540741},2053.6074408764593,93843.281244434664,{"$f":"+B17*TxGBPI24/12","v":39.957036952212967},2157.4957369522131]
[16,93843.281244434664,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B18","v":62.562187496289773},2054.9765125037102,91788.304731930955,{"$f":"+B18*TxGBPI24/12","v":39.101367185181111},2156.6400671851811]
[17,91788.304731930955,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B19","v":61.192203154620636},2056.3464968453795,89731.958235085578,{"$f":"+B19*TxGBPI24/12","v":38.245126971637895},2155.7838269716381]
[18,89731.958235085578,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B20","v":59.82130549005705},2057.717394509943,87674.240840575629,{"$f":"+B20*TxGBPI24/12","v":37.388315931285661},2154.9270159312855]
[19,87674.240840575629,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B21","v":58.449493893717083},2059.0892061062832,85615.151634469352,{"$f":"+B21*TxGBPI24/12","v":36.530933683573181},2154.0696336835731]
[20,85615.151634469352,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B22","v":57.076767756312897},2060.461932243687,83554.68970222566,{"$f":"+B22*TxGBPI24/12","v":35.672979847695565},2153.2116798476955]
[21,83554.68970222566,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B23","v":55.703126468150437},2061.8355735318496,81492.854128693813,{"$f":"+B23*TxGBPI24/12","v":34.814454042594029},2152.3531540425943]
[22,81492.854128693813,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B24","v":54.328569419129209},2063.210130580871,79429.643998112937,{"$f":"+B24*TxGBPI24/12","v":33.955355886955758},2151.4940558869557]
[23,79429.643998112937,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B25","v":52.953095998741958},2064.5856040012582,77365.058394111678,{"$f":"+B25*TxGBPI24/12","v":33.095684999213724},2150.6343849992136]
[24,77365.058394111678,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B26","v":51.576705596074447},2065.9619944039255,75299.096399707749,{"$f":"+B26*TxGBPI24/12","v":32.235440997546533},2149.7741409975465]
[25,75299.096399707749,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B27","v":50.199397599805167},2067.3393024001948,73231.757097307549,{"$f":"+B27*TxGBPI60/12","v":62.749246999756458},2180.2879469997565]
[26,{"$f":"+F27","v":73231.757097307549},2117.5387000000001,{"$f":"+(TauxBancaire/12)*B28","v":48.821171398205031},{"$f":"+C28-D28","v":2068.717528601795},{"$f":"+B28-E28","v":71163.039568705761},{"$f":"+B28*TxGBPI60/12","v":61.026464247756287},{"$f":"+C28+G28","v":2178.5651642477565}]
[27,71163.039568705761,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B29","v":47.442026379137175},2070.0966736208629,69092.942895084896,{"$f":"+B29*TxGBPI60/12","v":59.302532973921473},2176.8412329739217]
[28,69092.942895084896,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B30","v":46.061961930056597},2071.4767380699436,67021.466157014947,{"$f":"+B30*TxGBPI60/12","v":57.57745241257075},2175.116152412571]
[29,67021.466157014947,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B31","v":44.680977438009961},2072.8577225619902,64948.608434452959,{"$f":"+B31*TxGBPI60/12","v":55.851221797512459},2173.3899217975127]
[30,64948.608434452959,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B32","v":43.299072289635305},2074.2396277103649,62874.368806742597,{"$f":"+B32*TxGBPI60/12","v":54.123840362044128},2171.6625403620442]
[31,62874.368806742597,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B33","v":41.916245871161728},2075.6224541288384,60798.746352613758,{"$f":"+B33*TxGBPI60/12","v":52.395307338952165},2169.9340073389521]
[32,60798.746352613758,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B34","v":40.53249756840917},2077.0062024315907,58721.740150182166,{"$f":"+B34*TxGBPI60/12","v":50.665621960511466},2168.2043219605116]
[33,58721.740150182166,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B35","v":39.147826766788107},2078.390873233212,56643.349276948953,{"$f":"+B35*TxGBPI60/12","v":48.934783458485136},2166.4734834584851]
[34,56643.349276948953,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B36","v":37.762232851299302},2079.7764671487007,54563.572809800251,{"$f":"+B36*TxGBPI60/12","v":47.202791064124135},2164.7414910641241]
[35,54563.572809800251,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B37","v":36.375715206533499},2081.1629847934664,52482.409825006784,{"$f":"+B37*TxGBPI60/12","v":45.469644008166881},2163.0083440081671]
[36,52482.409825006784,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B38","v":34.988273216671189},2082.5504267833289,50399.859398223452,{"$f":"+B38*TxGBPI60/12","v":43.735341520838993},2161.2740415208391]
[37,50399.859398223452,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B39","v":33.599906265482304},2083.9387937345177,48315.920604488936,{"$f":"+B39*TxGBPI60/12","v":41.999882831852879},2159.5385828318531]
[38,48315.920604488936,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B40","v":32.210613736325953},2085.3280862636743,46230.592518225261,{"$f":"+B40*TxGBPI60/12","v":40.263267170407445},2157.8019671704074]
[39,46230.592518225261,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B41","v":30.820395012150172},2086.7183049878499,44143.87421323741,{"$f":"+B41*TxGBPI60/12","v":38.525493765187719},2156.0641937651876]
[40,44143.87421323741,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B42","v":29.429249475491606},2088.1094505245082,42055.764762712904,{"$f":"+B42*TxGBPI60/12","v":36.786561844364506},2154.3252618443644]
[41,42055.764762712904,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B43","v":28.03717650847527},2089.5015234915249,39966.263239221378,{"$f":"+B43*TxGBPI60/12","v":35.046470635594083},2152.5851706355943]
[42,39966.263239221378,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B44","v":26.644175492814252},2090.8945245071859,37875.36871471419,{"$f":"+B44*TxGBPI60/12","v":33.305219366017816},2150.8439193660179]
[43,37875.36871471419,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B45","v":25.25024580980946},2092.2884541901908,35783.080260524002,{"$f":"+B45*TxGBPI60/12","v":31.562807262261828},2149.1015072622617]
[44,35783.080260524002,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B46","v":23.855386840349333},2093.6833131596509,33689.396947364352,{"$f":"+B46*TxGBPI60/12","v":29.819233550436667},2147.3579335504369]
[45,33689.396947364352,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B47","v":22.459597964909566},2095.0791020350903,31594.31784532926,{"$f":"+B47*TxGBPI60/12","v":28.074497456136964},2145.6131974561372]
[46,31594.31784532926,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B48","v":21.062878563552839},2096.4758214364474,29497.842023892812,{"$f":"+B48*TxGBPI60/12","v":26.32859820444105},2143.8672982044409]
[47,29497.842023892812,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B49","v":19.665228015928541},2097.8734719840713,27399.96855190874,{"$f":"+B49*TxGBPI60/12","v":24.581535019910678},2142.1202350199105]
[48,27399.96855190874,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B50","v":18.266645701272491},2099.2720542987277,25300.696497610013,{"$f":"+B50*TxGBPI60/12","v":22.833307126590615},2140.3720071265907]
[49,25300.696497610013,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B51","v":16.867130998406676},2100.6715690015935,23200.024928608422,{"$f":"+B51*TxGBPI60/12","v":21.083913748008346},2138.6226137480085]
[50,23200.024928608422,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B52","v":15.466683285738947},2102.0720167142613,21097.952911894161,{"$f":"+B52*TxGBPI60/12","v":19.333354107173687},2136.8720541071739]
[51,21097.952911894161,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B53","v":14.065301941262774},2103.4733980587371,18994.479513835424,{"$f":"+B53*TxGBPI60/12","v":17.581627426578468},2135.1203274265786]
[52,18994.479513835424,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B54","v":12.662986342556948},2104.8757136574432,16889.603800177982,{"$f":"+B54*TxGBPI60/12","v":15.828732928196187},2133.3674329281962]
[53,16889.603800177982,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B55","v":11.25973586678532},2106.2789641332147,14783.324836044767,{"$f":"+B55*TxGBPI60/12","v":14.074669833481652},2131.6133698334816]
[54,14783.324836044767,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B56","v":9.8555498906965102},2107.6831501093034,12675.641685935463,{"$f":"+B56*TxGBPI60/12","v":12.319437363370639},2129.8581373633706]
[55,12675.641685935463,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B57","v":8.4504277906236425},2109.0882722093766,10566.553413726087,{"$f":"+B57*TxGBPI60/12","v":10.563034738279553},2128.1017347382794]
[56,10566.553413726087,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B58","v":7.0443689424840583},2110.4943310575159,8456.0590826685711,{"$f":"+B58*TxGBPI60/12","v":8.8054611781050731},2126.344161178105]
[57,8456.0590826685711,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B59","v":5.6373727217790472},2111.9013272782208,6344.1577553903498,{"$f":"+B59*TxGBPI60/12","v":7.0467159022238093},2124.5854159022238]
[58,6344.1577553903498,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B60","v":4.229438503593566},2113.3092614964066,4230.8484938939437,{"$f":"+B60*TxGBPI60/12","v":5.2867981294919586},2122.8254981294922]
[59,4230.8484938939437,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B61","v":2.8205656625959623},2114.7181343374041,2116.1303595565396,{"$f":"+B61*TxGBPI60/12","v":3.5257070782449529},2121.064407078245]
[60,2116.1303595565396,2117.5387000000001,{"$f":"+(TauxBancaire/12)*B62","v":1.410753573037693},2116.1279464269624,2.4131295772349404E-3,{"$f":"+B62*TxGBPI60/12","v":1.7634419662971164},2119.3021419662973]

{"sheet":"TauxBanques","index":2,"n_rows":24,"n_cols":7,"rows_kept":24,"cut":false,"hidden":false,"merged":[[22,2,22,6],[23,2,23,6]]}
["Taux d'Iinterêts PGE (Prêts Garantis par l'Etat) suivant les Organismes Bancaires"]
[]
["Duréee","Le Credit Lyonnais","Crédit Agricole","Crédit Mutuel","CIC","Banque Populaire Mediterrannée","BNP Paribas"]
[null,"LCL","CA","CM","CIC","BPO","BNP"]
["1 an",2E-3,3.3999999999999998E-3,2E-3,2E-3,2E-3]
["2 ans",3.0000000000000001E-3,3.3999999999999998E-3,2.5000000000000001E-3,2.5000000000000001E-3,2E-3]
["3 ans",4.0000000000000001E-3,4.1999999999999997E-3,4.4999999999999997E-3,4.4999999999999997E-3,4.0000000000000001E-3]
["4 ans",6.0000000000000001E-3,4.8999999999999998E-3,8.5000000000000006E-3,8.5000000000000006E-3,8.8000000000000005E-3]
["5 ans",7.4999999999999997E-3,5.4000000000000003E-3,0.01,0.01,1.0800000000000001E-2,0.01]
[]
[null,"Majoration Franchise"]
["3 ans",5.0000000000000001E-4]
["4 ans",5.0000000000000001E-4]
["5 ans",5.0000000000000001E-4]
[]
["Ces données ne constituent pas un engagement et sont purement indicatives."]
[]
["A titre indicatif les valeurs fournies peuvent être évaluées dans la calculette jointe."]
[]
["La Garantie BPI  et les Taux afférents sont définis par l'état"]
[null,"Taux Garantie BPI "]
["1 An ",2.5000000000000001E-3,"Le taux de 0.25% est appliqué sur la totalité du prêt "]
["2-3 ans ",5.0000000000000001E-3,"le taux de 0.50% est appliqué mensuellement sur la valeur résiduelle du prêt, c’est-à-dire surle montant restant à payer suivant la formule suivante: Capital restant dû (=Capital-Intérêts)x Taux Intérêt Annuel/12"]
["4-5-6 ans",0.01,"le taux de1.00% est appliqué mensuellement sur la valeur résiduelle du prêt, c’est-à-dire surle montant restant à payer suivant la formule suivante: Capital restant dû (=Capital-Intérêts)x Taux Intérêt Annuel/12"]