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["Version Control",null,null,null,"IT Change and Release Management Control within EUS"]
["Version","Change Description","Change Date","Person Making The Change","Peer Reviewing Change","Senior Manager Approving Change","Date of Approval"]
["V1","Created Deal Qualifer ","2025-07-23","Mark Taddeo","Nicole Griffin","Vince Huynh","2025-12-18"]
[]
[]
[]
[]
[]
[]
[null,null,null,null," "]

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[]
[null,"Commercial Broker Lease Doc Assessment Tool"]
[null,"Broker Details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Instructions"]
[]
[null,null,null,"Date",null,null,null,null,null,null,null,null,null,"BDM/Banker Name",null,null,null,null,null,null,null,null,null,null,null,null,"1)\n","Enter the required detail into the tool. For help, hover over a field for a description, or speak with your BDM."]
[null,"Broker  Name"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Broker No.",null,null,null,null,null,"2)\n","If Assessment Fails, speak with your BDM to discuss further. If Passes, continue on. "]
[]
[null,null,null,"Broker Email",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Contact No.",null,null,null,null,null,"3)","Include any relevant information in the Broker Comments sections & save this assessment."]
[]
[null,null,null,"Aggregator Name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aggregator No.",null,null,null,null,null,"4)","Submit application by sending this assessment & the required documents listed below to"]
[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,"LeaseDocApplications@BendigoAdelaide.com.au"]
[null," Loan Details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Documents Required"]
[]
[null,null,null,"Borrower Name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"For all applications:"]
[]
[null,null,null,"Loan Purpose",null," -Select-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fully signed commercial lease agreement"]
[]
[null,null,null,"Loan Amount",null,null,null,null,null,null,null,null,"Rate Type",null," -Select-",null,null,{"$f":"IF(O19=\"\",\"\",IF(O19=\" -Select-\",\"\",IF(O19=lookup!C23,lookup!D15,IF(O19=lookup!C24,lookup!D16,IF(O19=lookup!C25,lookup!D17,IF(O19=lookup!C26,lookup!D18,IF(O19=lookup!C27,lookup!D19,IF(O19=lookup!C28,lookup!D20))))))))","v":""},{"$f":"IF(AND(X19>0,O21=F21),\"Sensitised Interest Expense\",IF(AND(X19>0,F21>O21),\"Sensitised Debt Service Amount\",\"\"))","v":""},null,null,null,null,{"$f":"IF(OR(F19=\"\",R19=\"\",F21=\" -Select-\",O21=\" -Select-\"),0,IF(AND(F21>0,O21=F21),F19*(R19+2.5%)+300,IF(AND(F21>0,O21<F21),-PMT(($R$19+2.5%)/12,360-O21,F19,0,0)*12+300,0)))","v":0},null,null,null,"Full Commercial Valuation (if available - otherwise will be instructed once Approved in Principle)"]
[null,null,"Contractual Loan Term\n(months)",null,null,null,null,null,null,null,null,"IO Period \n(months)"]
[null,null,null,null,null," -Select-",null,null,null,null,{"$f":"IF(OR(F21=\"\",O21=\"\",F21=\" -Select-\",O21=\" -Select-\"),\"\",IF(O21>F21,\"Error\",\"\"))","v":""},null,null,null," -Select-",null,null,null,null,null,null,null,null,null,null,null,null,"Commercial Building Insurance Cover"]
[]
[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,"Identification documents & Trust Deeds"]
[null," Property & Tenancy Details"]
[null,null,null,null,null,"Property Value",null,null,null,null,null,"Lease Expiry",null,null,"Gross Rental",null,null,"Incentives","d","Capex","Other Outgoings",null,null,"Net Rental"]
[]
[null,null,"Property Address",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"WALE"]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F29=\"\",\"\",F29*70%)","v":""},null,null,null,null,null,{"$f":"IF(O29>0,\"-\",\"\")","v":""},null,{"$f":"IF(O29>0,\"-\",\"\")","v":""},null,{"$f":"IF(O29>0,\"-\",\"\")","v":""},null,{"$f":"IF(O29>0,\"=\",\"\")","v":""},{"$f":"IF(OR(O29=\"\",O29=0),0,O29-(IF(OR(R29=\"\",R29=0),O29*0.1,R29))-(IF(OR(T29=\"\",T29=0),O29*0.05,T29))-(IF(OR(V29=\"\",V29=0),O29*0.2,V29)))","v":0},{"$f":"IF(AND(L29<>\"\",X29>0),(L29-TODAY())/365*12*(X29/$X$37),\"\")","v":""},null,"Additional document for purchases:"]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F31=\"\",\"\",F31*70%)","v":""},null,null,null,null,null,{"$f":"IF(O31>0,\"-\",\"\")","v":""},null,{"$f":"IF(O31>0,\"-\",\"\")","v":""},null,{"$f":"IF(O31>0,\"-\",\"\")","v":""},null,{"$f":"IF(O31>0,\"=\",\"\")","v":""},{"$f":"IF(OR(O31=\"\",O31=0),0,O31-(IF(OR(R31=\"\",R31=0),O31*0.1,R31))-(IF(OR(T31=\"\",T31=0),O31*0.05,T31))-(IF(OR(V31=\"\",V31=0),O31*0.2,V31)))","v":0},{"$f":"IF(AND(L31<>\"\",X31>0),(L31-TODAY())/365*12*(X31/$X$37),\"\")","v":""},null,false,"Contract of Sale"]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F33=\"\",\"\",F33*70%)","v":""},null,null,null,null,null,{"$f":"IF(O33>0,\"-\",\"\")","v":""},null,{"$f":"IF(O33>0,\"-\",\"\")","v":""},null,{"$f":"IF(O33>0,\"-\",\"\")","v":""},null,{"$f":"IF(O33>0,\"=\",\"\")","v":""},{"$f":"IF(OR(O33=\"\",O33=0),0,O33-(IF(OR(R33=\"\",R33=0),O33*0.1,R33))-(IF(OR(T33=\"\",T33=0),O33*0.05,T33))-(IF(OR(V33=\"\",V33=0),O33*0.2,V33)))","v":0},{"$f":"IF(AND(L33<>\"\",X33>0),(L33-TODAY())/365*12*(X33/$X$37),\"\")","v":""},null,"Additional documents for refinances:"]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F35=\"\",\"\",F35*70%)","v":""},null,null,null,null,null,{"$f":"IF(O35>0,\"-\",\"\")","v":""},null,{"$f":"IF(O35>0,\"-\",\"\")","v":""},null,{"$f":"IF(O35>0,\"-\",\"\")","v":""},null,{"$f":"IF(O35>0,\"=\",\"\")","v":""},{"$f":"IF(OR(O35=\"\",O35=0),0,O35-(IF(OR(R35=\"\",R35=0),O35*0.1,R35))-(IF(OR(T35=\"\",T35=0),O35*0.05,T35))-(IF(OR(V35=\"\",V35=0),O35*0.2,V35)))","v":0},{"$f":"IF(AND(L35<>\"\",X35>0),(L35-TODAY())/365*12*(X35/$X$37),\"\")","v":""},null,false,"6 months Bank Statements for Borrower"]
[]
[null,"Total ",null,null,null,{"$f":" IF(AND(F29=\"\",F31=\"\",F33=\"\",F35=\"\"),\"\",SUM(F29:J35))","v":""},{"$f":" IF(AND(G29=\"\",G31=\"\",G33=\"\",G35=\"\"),\"\",SUM(G29:G35))","v":""},null,null,null,{"$f":" IF(AND(K29=\"\",K31=\"\",K33=\"\",K35=\"\"),\"\",SUM(K29:K35))","v":""},{"$f":" IF(AND(L29=\"\",M31=\"\",M33=\"\",M35=\"\"),\"\",SUM(M29:M35))","v":""},null,null,{"$f":" IF(AND(O29=\"\",O31=\"\",O33=\"\",O35=\"\"),\"\",SUM(O29:P35))","v":""},null,{"$f":"IF(SUM(O29:P35)>0,\"-\",\"\")","v":""},{"$f":" IF(AND(R29=\"\",R31=\"\",R33=\"\",R35=\"\"),\"\",SUM(R29:S35))","v":""},{"$f":"IF(SUM(O29:P35)>0,\"-\",\"\")","v":""},{"$f":" IF(AND(T29=\"\",T31=\"\",T33=\"\",T35=\"\"),\"\",SUM(T29:U35))","v":""},{"$f":"IF(SUM(O29:P35)>0,\"-\",\"\")","v":""},{"$f":" IF(AND(V29=\"\",V31=\"\",V33=\"\",V35=\"\"),\"\",SUM(V29:W35))","v":""},{"$f":"IF(SUM(O29:P35)>0,\"=\",\"\")","v":""},{"$f":" IF(AND(X29=\"\",X31=\"\",X33=\"\",X35=\"\"),0,SUM(X29:X35))","v":0},{"$f":"IF(OR(Y29>1,Y31>1,Y33>1,Y35>1),SUM(Y29:Y35),0)","v":0},null,false,"Tax Portal Statements for Borrower"]
[]
[null," Assessment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Important Information\nThis document is provided for checking eligibility for the Lease Doc product only. The calculations produced are for the purpose of assessing eligibility for the Lease Doc product. They do not constitute a quote or loan approval. The document estimates eligibility for the Lease Doc product based on the accuracy of information provided & assumes interest rates do not change over the life of the loan. The calculations do not include applicable fees or loan fees. Bendigo & Adelaide Bank Ltd reserves the right to change its eligibility, credit, lending & assessment criteria at any time. Actual loan eligibility & serviceability will be confirmed at the time of the Bank conducting the loan assessment & may require confirmation of information or further documentation to verify inputs.              V1.0 (02/26)"]
[null,null,null,null,null,null,null,null,null,null,null,"LVR:",{"$f":"IF(AND(F37<>\"\",F19<>\"\"),F19/F37,\"\")","v":""},null,null,null,{"$f":"IF(OR(F37=\"\",F19=\"\"),\"\",IF(AND(F37>0,F19>0,F19/F37>0.65),\"Error\",IF(AND(F37>0,F19>0,F19/F37<=0.65),\"Pass\",\"\")))","v":""},{"$f":"IF(OR(F37=\"\",F19=\"\"),\"\",IF(AND(F37>1,F19>1,F19/F37>0.65),\"Error: LVR cannot be greater than 65%\",\"\"))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"TAE/XTV:",{"$f":"IF(AND(F19<>\"\",K37<>\"\"),F19/K37,\"\")","v":""},null,null,null,{"$f":"IF(AND(K37<>\"\",F19<>\"\",F19>K37),\"Error\",IF(AND(K37<>\"\",F19<>\"\",F19<=K37),\"Pass\",\"\"))","v":""},{"$f":"IF(AND(K37>1,F19>1,F19>K37),\"Error: Loan Amount > XTV\",\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Proposed Customer & Security Risk Grade:",{"$f":"IF(M42<>\"\",\"16\"&IF(M42<=0.3,\"A\",IF(M42<=0.5,\"B\",IF(M42<=0.7,\"C\",IF(M42<=0.85,\"D\",IF(M42<=1,\"E\",IF(M42<=1.33,\"F\",IF(M42<=1.66,\"G\",IF(M42<=2,\"H\",IF(M42<=4,\"I\",IF(M42>4,\"J\",\"\")))))))))),\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Weighted Average Lease Expiry (WALE):",{"$f":"IF(Y37>0,ROUNDDOWN(Y37,0),0)","v":0},"months",null,null,{"$f":"IF(AND(F21>M46,F21<361,F21>0,Y37>0,M46>0),\"Error\",IF(AND(F21<=M46,F21<>\" -Select-\",O21<>\" -Select-\",Y37<>\"\"),\"Pass\",\"\"))","v":""},{"$f":"IF(K21=\"Error\",\"Error: IO period cannot be longer than Loan Term\",IF(AND(F21>M46,F21<361,F21>0,M46>=1),\"Error: Loan Term cannot be greater than WALE\",\"\"))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O21=F21,\"Sensitised Interest Coverage Ratio (SICR):\",\"Sensitised Debt Servicing Cover Ratio (SDSCR):\")","v":"Sensitised Interest Coverage Ratio (SICR):"},{"$f":"IF(AND(X19>1,X37>1),$X$37/X19,0)","v":0},"x",null,null,{"$f":"IF(M48=0,\"\",IF(AND(S19=\"Sensitised Interest Expense\",M48<1.05),\"Error\",IF(AND(S19=\"Sensitised Interest Expense\",M48>=1.05),\"Pass\",IF(AND(S19=\"Sensitised Debt Service Amount\",M48<1),\"Error\",IF(AND(S19=\"Sensitised Debt Service Amount\",M48>=1),\"Pass\")))))","v":""},{"$f":"IF(OR(M48=0,Q48=\"Pass\"),\"\",IF(AND(S19=\"Sensitised Debt Service Amount\",Q48=\"Error\"),\"Error: SDSCR cannot be less than 1.00x\",IF(AND(S19=\"Sensitised Interest Expense\",Q48=\"Error\"),\"Error: SISCR cannot be less than 1.05x\")))","v":""}]
[]
[null,null,null,"Assessment Outcome:",null,null,null,null,null,null,null,null,{"$f":"IF(AND(Q40=\"\",Q46=\"\",Q48=\"\"),\"\",IF(OR(Q40=\"Error\",Q46=\"Error\",Q48=\"Error\"),\"Fail\",IF(AND(Q40=\"Pass\",Q46=\"Pass\",Q48=\"Pass\"),\"Pass\",\".....\")))","v":""},{"$f":"IF(AND(Q40=\"\",Q46=\"\",Q48=\"\"),\"\",IF(OR(Q40=\"Error\",Q46=\"Error\",Q48=\"Error\"),\"\",IF(AND(Q40=\"Pass\",Q46=\"Pass\",Q48=\"Pass\"),\"\",\"Assessing .....\")))","v":""}]
[]
[]
[null,"Broker Comments"]
[null,"Proposal Summary"]
[]
[null,"Background Summary"]
[]
[null,"Property & Tenancy Analysis"]
[]
[null,"Recommendation"]
[]
[null,"Conditions Precedent "]
[null,"[double click and type]"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[]
[null,"Financial Covenants"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[]
[null,"Special Covenants"]
[null,"Bendigo Business Transaction Account \nA Bendigo Bank business transaction account must be opened prior to the settlement date in the name of the Borrower. All rental income in relation to the property provided as security must be deposited into this account during the life of the loan and cannot be closed during this time. "]
[null,"Notification of Lease Changes\nThe Borrower and/or Guarantors must immediately inform the bank when a material change to an existing lease has occurred or is proposed, including if an option to renew the lease is not exercised by the tenant or that it is the tenant’s intention that they will not exercise an option to renew the lease."]
[null,"[double click and type]"]

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[]
[null,"Commercial Broker Lease Doc Assessment Tool"]
[null," Application Details"]
[]
[null,null,null,"Date",null,null,null,null,null,null,null,null,null,"Optimist  Link  "]
[null,"Account Manager"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"OIC  "]
[]
[null,null,null,"Group Name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Proposed BTAE "]
[]
[]
[]
[null," Loan Details"]
[]
[null,null,null,"Borrower Name",null,{"$f":"IF('Broker Use Only'!F15=\"\",\"\",'Broker Use Only'!F15)","v":""}]
[]
[null,null,null,"Loan Purpose",null,{"$f":"IF('Broker Use Only'!F17<>\" -Select-\",'Broker Use Only'!F17,\"\")","v":""}]
[]
[null,null,null,"Loan Amount",null,{"$f":"IF('Broker Use Only'!F19>0,'Broker Use Only'!F19,\"\")","v":""},null,null,null,null,null,null,"Interest Rate",null,{"$f":"IF('Broker Use Only'!R19>0,'Broker Use Only'!R19,\"\")","v":""},null,null,{"$f":"IF(AND(X20>0,O21=F21),\"Sensitised Interest Expense\",IF(AND(X20>0,F21>O21),\"Sensitised Debt Service Amount\",\"\"))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(X20>0,V18,\"\")","v":""},{"$f":"IF(OR(F19=\"\",O19=\"\",F21=\" -Select-\",O21=\" -Select-\"),0,IF(AND(F21>0,O21=F21),F19*(O19+2.5%),IF(AND(F21>0,O21<F21),-PMT(($O$19+2.5%)/12,360-O21,F19,0,0)*12,0)))","v":0}]
[null,null,null," Loan Term (m)",null,{"$f":"IF('Broker Use Only'!F21<>\" -Select-\",'Broker Use Only'!F21,\"\")","v":""},null,null,null,null,{"$f":"IF(OR(F21=\"\",O21=\"\",F21=\" -Select-\",O21=\" -Select-\"),\"\",IF(O21>F21,\"Error\",\"\"))","v":""},"IO Period (m)",null,null,{"$f":"IF('Broker Use Only'!O21<>\" -Select-\",'Broker Use Only'!O21,\"\")","v":""}]
[]
[null," Property & Tenancy Details",null,null,null,"Property Value",null,null,null,null,null,"Lease Expiry",null,null,"Gross Rental",null,null,"Incentives",null,"Capex","Other Outgoings",null,null,"Net Rental"]
[]
[null,null,"Property Address",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"WALE"]
[]
[null,null,{"$f":"IF('Broker Use Only'!C29=\"\",\"\",'Broker Use Only'!C29)","v":""},null,null,{"$f":"IF('Broker Use Only'!F29=\"\",\"\",'Broker Use Only'!F29)","v":""},null,null,null,null,{"$f":"IF(F27=\"\",\"\",F27*70%)","v":""},{"$f":"IF('Broker Use Only'!L29=\"\",\"\",'Broker Use Only'!L29)","v":""},null,null,{"$f":"IF('Broker Use Only'!O29=\"\",\"\",'Broker Use Only'!O29)","v":""},null,{"$f":"IF(ISBLANK($O27),\"\",IF(N($O27)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!R29=\"\",\"\",'Broker Use Only'!R29)","v":""},{"$f":"IF(ISBLANK($O27),\"\",IF(N($O27)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!T29=\"\",\"\",'Broker Use Only'!T29)","v":""},{"$f":"IF(ISBLANK($O27),\"\",IF(N($O27)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!V29=\"\",\"\",'Broker Use Only'!V29)","v":""},{"$f":"IF(ISBLANK($O27),\"\",IF(N($O27)=0,\"\",\"=\"))","v":""},{"$f":"IF(OR(O27=\"\",O27=0),0,O27-(IF(OR(R27=\"\",R27=0),O27*0.1,R27))-(IF(OR(T27=\"\",T27=0),O27*0.05,T27))-(IF(OR(V27=\"\",V27=0),O27*0.2,V27)))","v":0},{"$f":"IF(AND(L27<>\"\",X27>0),(L27-TODAY())/365*12*(X27/$X$35),\"\")","v":""}]
[]
[null,null,{"$f":"IF('Broker Use Only'!C31=\"\",\"\",'Broker Use Only'!C31)","v":""},null,null,{"$f":"IF('Broker Use Only'!F31=\"\",\"\",'Broker Use Only'!F31)","v":""},null,null,null,null,{"$f":"IF(F29=\"\",\"\",F29*70%)","v":""},{"$f":"IF('Broker Use Only'!L31=\"\",\"\",'Broker Use Only'!L31)","v":""},null,null,{"$f":"IF('Broker Use Only'!O31=\"\",\"\",'Broker Use Only'!O31)","v":""},null,{"$f":"IF(ISBLANK($O29),\"\",IF(N($O29)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!R31=\"\",\"\",'Broker Use Only'!R31)","v":""},{"$f":"IF(ISBLANK($O29),\"\",IF(N($O29)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!T31=\"\",\"\",'Broker Use Only'!T31)","v":""},{"$f":"IF(ISBLANK($O29),\"\",IF(N($O29)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!V31=\"\",\"\",'Broker Use Only'!V31)","v":""},{"$f":"IF(ISBLANK($O29),\"\",IF(N($O29)=0,\"\",\"=\"))","v":""},{"$f":"IF(OR(O29=\"\",O29=0),0,O29-(IF(OR(R29=\"\",R29=0),O29*0.1,R29))-(IF(OR(T29=\"\",T29=0),O29*0.05,T29))-(IF(OR(V29=\"\",V29=0),O29*0.2,V29)))","v":0},{"$f":"IF(AND(L29<>\"\",X29>0),(L29-TODAY())/365*12*(X29/$X$35),\"\")","v":""}]
[]
[null,null,{"$f":"IF('Broker Use Only'!C33=\"\",\"\",'Broker Use Only'!C33)","v":""},null,null,{"$f":"IF('Broker Use Only'!F33=\"\",\"\",'Broker Use Only'!F33)","v":""},null,null,null,null,{"$f":"IF(F31=\"\",\"\",F31*70%)","v":""},{"$f":"IF('Broker Use Only'!L33=\"\",\"\",'Broker Use Only'!L33)","v":""},null,null,{"$f":"IF('Broker Use Only'!O33=\"\",\"\",'Broker Use Only'!O33)","v":""},null,{"$f":"IF(ISBLANK($O31),\"\",IF(N($O31)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!R33=\"\",\"\",'Broker Use Only'!R33)","v":""},{"$f":"IF(ISBLANK($O31),\"\",IF(N($O31)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!T33=\"\",\"\",'Broker Use Only'!T33)","v":""},{"$f":"IF(ISBLANK($O31),\"\",IF(N($O31)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!V33=\"\",\"\",'Broker Use Only'!V33)","v":""},{"$f":"IF(ISBLANK($O31),\"\",IF(N($O31)=0,\"\",\"=\"))","v":""},{"$f":"IF(OR(O31=\"\",O31=0),0,O31-(IF(OR(R31=\"\",R31=0),O31*0.1,R31))-(IF(OR(T31=\"\",T31=0),O31*0.05,T31))-(IF(OR(V31=\"\",V31=0),O31*0.2,V31)))","v":0},{"$f":"IF(AND(L31<>\"\",X31>0),(L31-TODAY())/365*12*(X31/$X$35),\"\")","v":""}]
[]
[null,null,{"$f":"IF('Broker Use Only'!C35=\"\",\"\",'Broker Use Only'!C35)","v":""},null,null,{"$f":"IF('Broker Use Only'!F35=\"\",\"\",'Broker Use Only'!F35)","v":""},null,null,null,null,{"$f":"IF(F33=\"\",\"\",F33*70%)","v":""},{"$f":"IF('Broker Use Only'!L35=\"\",\"\",'Broker Use Only'!L35)","v":""},null,null,{"$f":"IF('Broker Use Only'!O35=\"\",\"\",'Broker Use Only'!O35)","v":""},null,{"$f":"IF(ISBLANK($O33),\"\",IF(N($O33)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!R35=\"\",\"\",'Broker Use Only'!R35)","v":""},{"$f":"IF(ISBLANK($O33),\"\",IF(N($O33)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!T35=\"\",\"\",'Broker Use Only'!T35)","v":""},{"$f":"IF(ISBLANK($O33),\"\",IF(N($O33)=0,\"\",\"-\"))","v":""},{"$f":"IF('Broker Use Only'!V35=\"\",\"\",'Broker Use Only'!V35)","v":""},{"$f":"IF(ISBLANK($O33),\"\",IF(N($O33)=0,\"\",\"=\"))","v":""},{"$f":"IF(OR(O33=\"\",O33=0),0,O33-(IF(OR(R33=\"\",R33=0),O33*0.1,R33))-(IF(OR(T33=\"\",T33=0),O33*0.05,T33))-(IF(OR(V33=\"\",V33=0),O33*0.2,V33)))","v":0},{"$f":"IF(AND(L33<>\"\",X33>0),(L33-TODAY())/365*12*(X33/$X$35),\"\")","v":""}]
[]
[null,"Total ",null,null,null,{"$f":" IF(AND(F27=\"\",F29=\"\",F31=\"\",F33=\"\"),\"\",SUM(F27:J33))","v":""},{"$f":" IF(AND(G27=\"\",G29=\"\",G31=\"\",G33=\"\"),\"\",SUM(G27:G33))","v":""},null,null,null,{"$f":" IF(AND(K27=\"\",K29=\"\",K31=\"\",K33=\"\"),\"\",SUM(K27:K33))","v":""},{"$f":" IF(AND(L27=\"\",M29=\"\",M31=\"\",M33=\"\"),\"\",SUM(M27:M33))","v":""},null,null,{"$f":" IF(AND(O27=\"\",O29=\"\",O31=\"\",O33=\"\"),\"\",SUM(O27:P33))","v":""},null,{"$f":"IF(SUM(O27:P33)>0,\"-\",\"\")","v":""},{"$f":" IF(AND(R27=\"\",R29=\"\",R31=\"\",R33=\"\"),\"\",SUM(R27:S33))","v":""},{"$f":"IF(SUM(O27:P33)>0,\"-\",\"\")","v":""},{"$f":" IF(AND(T27=\"\",T29=\"\",T31=\"\",T33=\"\"),\"\",SUM(T27:U33))","v":""},{"$f":"IF(SUM(O27:P33)>0,\"-\",\"\")","v":""},{"$f":" IF(AND(V27=\"\",V29=\"\",V31=\"\",V33=\"\"),\"\",SUM(V27:W33))","v":""},{"$f":"IF(SUM(O27:P33)>0,\"=\",\"\")","v":""},{"$f":" IF(AND(X27=\"\",X29=\"\",X31=\"\",X33=\"\"),0,SUM(X27:X33))","v":0},{"$f":"IF(OR(Y27>1,Y29>1,Y31>1,Y33>1),SUM(Y27:Y33),0)","v":0}]
[]
[null," Assessment"]
[null,null,null,null,null,null,null,null,null,null,null,"LVR:",{"$f":"IF(AND(F35<>\"\",F19<>\"\"),F19/F35,\"\")","v":""},null,null,null,{"$f":"IF(OR(F35=\"\",F19=\"\"),\"\",IF(AND(F35>0,F19>0,F19/F35>0.65),\"Error\",IF(AND(F35>0,F19>0,F19/F35<=0.65),\"Pass\",\"\")))","v":""},{"$f":"IF(OR(F35=\"\",F19=\"\"),\"\",IF(AND(F35>1,F19>1,F19/F35>0.65),\"Error: LVR cannot be greater than 65%\",\"\"))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"TAE/XTV:",{"$f":"IF(AND(F19<>\"\",K35<>\"\"),F19/K35,\"\")","v":""},null,null,null,{"$f":"IF(AND(K35<>\"\",F19<>\"\",F19>K35),\"Error\",IF(AND(K35<>\"\",F19<>\"\",F19<=K35),\"Pass\",\"\"))","v":""},{"$f":"IF(AND(K35>1,F19>1,F19>K35),\"Error: Loan Amount > XTV\",\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Proposed Customer & Security Risk Grade:",{"$f":"IF(M40<>\"\",\"16\"&IF(M40<=0.3,\"A\",IF(M40<=0.5,\"B\",IF(M40<=0.7,\"C\",IF(M40<=0.85,\"D\",IF(M40<=1,\"E\",IF(M40<=1.33,\"F\",IF(M40<=1.66,\"G\",IF(M40<=2,\"H\",IF(M40<=4,\"I\",IF(M40>4,\"J\",\"\")))))))))),\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Weighted Average Lease Expiry (WALE):",{"$f":"IF(Y35>0,ROUNDDOWN(Y35,0),0)","v":0},"months",null,null,{"$f":"IF(AND(F21>M44,F21<361,F21>0,Y35>0,M44>0),\"Error\",IF(AND(F21<=M44,F21<>\" -Select-\",O21<>\" -Select-\",Y35<>\"\"),\"Pass\",\"\"))","v":""},{"$f":"IF(K21=\"Error\",\"Error: Interest Only period cannot be longer than Loan Term\",IF(AND(F21>M44,F21<361,F21>0,M44>=1),\"Error: Loan Term > WALE\",\"\"))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(O21=F21,\"Sensitised Interest Coverage Ratio (SICR):\",\"Sensitised Debt Servicing Cover Ratio (SDSCR):\")","v":"Sensitised Interest Coverage Ratio (SICR):"},{"$f":"IF(AND(X20>1,X35>1),$X$35/X20,0)","v":0},"x",null,null,{"$f":"IF(M46=0,\"\",IF(AND(R19=\"Sensitised Interest Expense\",M46<1.05),\"Error\",IF(AND(R19=\"Sensitised Interest Expense\",M46>=1.05),\"Pass\",IF(AND(R19=\"Sensitised Debt Service Amount\",M46<1),\"Error\",IF(AND(R19=\"Sensitised Debt Service Amount\",M46>=1),\"Pass\")))))","v":""},{"$f":"IF(OR(M46=0,Q46=\"Pass\"),\"\",IF(AND(R19=\"Sensitised Debt Service Amount\",Q46=\"Error\"),\"Error: SDSCR < 1.00x\",IF(AND(R19=\"Sensitised Interest Expense\",Q46=\"Error\"),\"Error: SISCR < 1.05x\")))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Assessment Outcome:",{"$f":"IF(AND(Q38=\"\",Q44=\"\",Q46=\"\"),\"\",IF(OR(Q38=\"Error\",Q44=\"Error\",Q46=\"Error\"),\"Fail\",IF(AND(Q38=\"Pass\",Q44=\"Pass\",Q46=\"Pass\"),\"Pass\",\".....\")))","v":""},{"$f":"IF(AND(Q38=\"\",Q44=\"\",Q46=\"\"),\"\",IF(OR(Q38=\"Error\",Q44=\"Error\",Q46=\"Error\"),\"\",IF(AND(Q38=\"Pass\",Q44=\"Pass\",Q46=\"Pass\"),\"\",\"Assessing .....\")))","v":""}]
[]
[]
[null," Supporting Comments"]
[null,"Proposal Summary"]
[]
[null,"Background Summary"]
[]
[null,"Property & Tenancy Analysis"]
[]
[null,"Recommendation"]
[]
[null," Business Lending Covenants & Conditions Precedent proposed*",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"*source from standard conditions"]
[null,"Conditions Precedent "]
[null,"[double click and type]"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[]
[null,"Financial Covenants"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[]
[null,"Special Covenants"]
[null,"Bendigo Business Transaction Account \nA Bendigo Bank business transaction account must be opened prior to the settlement date in the name of the Borrower. All rental income in relation to the property provided as security must be deposited into this account during the life of the loan and cannot be closed during this time. "]
[null,"Notification of Lease Changes\nThe Borrower and/or Guarantors must immediately inform the bank when a material change to an existing lease has occurred or is proposed, including if an option to renew the lease is not exercised by the tenant or that it is the tenant’s intention that they will not exercise an option to renew the lease."]
[null,"[double click and type]"]
[]
[null,"I confirm:\n\n· All customer related information is correct on BEN loan systems & accurate data has been loaded into all applicable BEN systems including Optimist.\n· All commercial lease agreements are fully executed and arm's length in accordance with the Bank's Lease Doc Lending Policy.\n· All NCCP – Responsible Lending requirements have been addressed.\n· All specific conditions of any prior approvals have been satisfied. \n· All conditions precedent incorporated in this paper will be satisfied and/or incorporated into loan documentation prior to any drawdown of facilities.\n· All conditions for applying this tool have been satisfied.\n· All information contained in this tool is accurate to the best of my knowledge.\n· All customers have verbally confirmed that their ATO debt position is NIL, or below the framework threshold of $10K."]
[null,"         Using Banker DLA to Recommend Approval",null,null,null,null,"DLA Level:",null,null,null,null,null,"Banker Name:  ",null,null,null,null,null,null,"ADM:  ",null,null,"Date:  "]
[]
[null," Decisioning Comments"]
[]
[null," Business Lending Covenants & Conditions Precedent applicable*",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"*source from standard conditions"]
[null,"Conditions Precedent "]
[null,"[double click and type]"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[]
[null,"Financial Covenants"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[null,"[double click and type]"]
[]
[null,"Special Covenants"]
[null,"Bendigo Business Transaction Account \nA Bendigo Bank business transaction account must be opened prior to the settlement date in the name of the Borrower. All rental income in relation to the property provided as security must be deposited into this account during the life of the loan and cannot be closed during this time. "]
[null,"Notification of Lease Changes\nThe Borrower and/or Guarantors must immediately inform the bank when a material change to an existing lease has occurred or is proposed, including if an option to renew the lease is not exercised by the tenant or that it is the tenant’s intention that they will not exercise an option to renew the lease."]
[null,"[double click and type]"]
[]
[null,"Using Credit Risk DLA to:"," -Select-",null,null,"   DLA Level:",null,null,null,null,null,null," Approver Name:  ",null,null,null,null,null,null,"ADM:",null,null,null,"Date:  "]

{"sheet":"lookup","index":3,"n_rows":362,"n_cols":4,"rows_kept":362,"cut":false,"hidden":true,"merged":[[0,4,4,4]]}
["Loan Term","IO Term","Purpose","Approver"]
[" -Select-"," -Select-"," -Select-"," -Select-"]
[1,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A3-1,IF('Broker Use Only'!$F$21<(A3-1),\"\",A3-1))","v":0},"Purchase - Commercial Investment Property","Approve Application"]
[2,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A4-1,IF('Broker Use Only'!$F$21<(A4-1),\"\",A4-1))","v":1},"Refinance - Commercial Property Investment Loan","Decline Application"]
[3,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A5-1,IF('Broker Use Only'!$F$21<(A5-1),\"\",A5-1))","v":2},null,"Further Info Required"]
[4,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A6-1,IF('Broker Use Only'!$F$21<(A6-1),\"\",A6-1))","v":3}]
[5,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A7-1,IF('Broker Use Only'!$F$21<(A7-1),\"\",A7-1))","v":4}]
[6,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A8-1,IF('Broker Use Only'!$F$21<(A8-1),\"\",A8-1))","v":5}]
[7,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A9-1,IF('Broker Use Only'!$F$21<(A9-1),\"\",A9-1))","v":6}]
[8,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A10-1,IF('Broker Use Only'!$F$21<(A10-1),\"\",A10-1))","v":7}]
[9,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A11-1,IF('Broker Use Only'!$F$21<(A11-1),\"\",A11-1))","v":8}]
[10,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A12-1,IF('Broker Use Only'!$F$21<(A12-1),\"\",A12-1))","v":9}]
[11,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A13-1,IF('Broker Use Only'!$F$21<(A13-1),\"\",A13-1))","v":10},"Rate Type"]
[12,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A14-1,IF('Broker Use Only'!$F$21<(A14-1),\"\",A14-1))","v":11}]
[13,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A15-1,IF('Broker Use Only'!$F$21<(A15-1),\"\",A15-1))","v":12},"Variable",6.6900000000000001E-2]
[14,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A16-1,IF('Broker Use Only'!$F$21<(A16-1),\"\",A16-1))","v":13},"1yr fixed",6.8000000000000005E-2]
[15,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A17-1,IF('Broker Use Only'!$F$21<(A17-1),\"\",A17-1))","v":14},"2yr fixed",6.7500000000000004E-2]
[16,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A18-1,IF('Broker Use Only'!$F$21<(A18-1),\"\",A18-1))","v":15},"3yr fixed",6.6500000000000004E-2]
[17,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A19-1,IF('Broker Use Only'!$F$21<(A19-1),\"\",A19-1))","v":16},"4yr fixed",6.5500000000000003E-2]
[18,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A20-1,IF('Broker Use Only'!$F$21<(A20-1),\"\",A20-1))","v":17},"5yr fixed",6.5000000000000002E-2]
[19,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A21-1,IF('Broker Use Only'!$F$21<(A21-1),\"\",A21-1))","v":18}]
[20,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A22-1,IF('Broker Use Only'!$F$21<(A22-1),\"\",A22-1))","v":19}," -Select-"]
[21,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A23-1,IF('Broker Use Only'!$F$21<(A23-1),\"\",A23-1))","v":20},{"$f":"C15&\": \"&TEXT(D15,\"0.00%\")","v":"Variable: 6.69%"}]
[22,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A24-1,IF('Broker Use Only'!$F$21<(A24-1),\"\",A24-1))","v":21},{"$f":"C16&\": \"&TEXT(D16,\"0.00%\")","v":"1yr fixed: 6.80%"}]
[23,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A25-1,IF('Broker Use Only'!$F$21<(A25-1),\"\",A25-1))","v":22},{"$f":"C17&\": \"&TEXT(D17,\"0.00%\")","v":"2yr fixed: 6.75%"}]
[24,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A26-1,IF('Broker Use Only'!$F$21<(A26-1),\"\",A26-1))","v":23},"3yr fixed: 6.65%"]
[25,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A27-1,IF('Broker Use Only'!$F$21<(A27-1),\"\",A27-1))","v":24},"4yr fixed: 6.55%"]
[26,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A28-1,IF('Broker Use Only'!$F$21<(A28-1),\"\",A28-1))","v":25},{"$f":"C20&\": \"&TEXT(D20,\"0.00%\")","v":"5yr fixed: 6.50%"}]
[27,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A29-1,IF('Broker Use Only'!$F$21<(A29-1),\"\",A29-1))","v":26}]
[28,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A30-1,IF('Broker Use Only'!$F$21<(A30-1),\"\",A30-1))","v":27}]
[29,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A31-1,IF('Broker Use Only'!$F$21<(A31-1),\"\",A31-1))","v":28}]
[30,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A32-1,IF('Broker Use Only'!$F$21<(A32-1),\"\",A32-1))","v":29}]
[31,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A33-1,IF('Broker Use Only'!$F$21<(A33-1),\"\",A33-1))","v":30}]
[32,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A34-1,IF('Broker Use Only'!$F$21<(A34-1),\"\",A34-1))","v":31}]
[33,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A35-1,IF('Broker Use Only'!$F$21<(A35-1),\"\",A35-1))","v":32}]
[34,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A36-1,IF('Broker Use Only'!$F$21<(A36-1),\"\",A36-1))","v":33}]
[35,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A37-1,IF('Broker Use Only'!$F$21<(A37-1),\"\",A37-1))","v":34}]
[36,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A38-1,IF('Broker Use Only'!$F$21<(A38-1),\"\",A38-1))","v":35}]
[37,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A39-1,IF('Broker Use Only'!$F$21<(A39-1),\"\",A39-1))","v":36}]
[38,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A40-1,IF('Broker Use Only'!$F$21<(A40-1),\"\",A40-1))","v":37}]
[39,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A41-1,IF('Broker Use Only'!$F$21<(A41-1),\"\",A41-1))","v":38}]
[40,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A42-1,IF('Broker Use Only'!$F$21<(A42-1),\"\",A42-1))","v":39}]
[41,{"$f":"IF('Broker Use Only'!$F$21=\" -Select-\",A43-1,IF('Broker Use Only'!$F$21<(A43-1),\"\",A43-1))","v":40}]
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