Insert Originator/Broker Name Here
Net Servicing Ratio Calculator Version 5 BROKER EDITION - All HLVR & NP Loans Loan required Term (yrs) Int. Rate Age Age
Effective 1 May 2005
Program will add margin
(Borrower Rate)
Applicants
Clear All Data
Loan Type Required
Do not scale income- the matrix will process this function Monthly Gross Income Base Wage or Salary Permanent Regular Overtime Shift Allowances Commissions "Permanent" Casual Employment Casual "at call employment" 2nd Job Rental Income Assessed Family Tax Benefit Pension or Superannuation Total Monthly Income Borrower 1 Borrower 2
WARNING Applicant 1 not 18 or over! WARNING Applicant 2 not 18 or over! Other Information Family Unit Adults Dependant Children Borrower Estimated Annual Living Expense Overtime Category Borrower 1
$
-
$
-
Overtime Category Borrower 2
Does applicant pay HECS?
Existing Monthly Commitments Combined Credit /StoreCards Limit MthlyPay't $0 $0 $0 $0 $0 $0 $0 Line of Credit AGC Credit Line Others Detail Car Loan Car Loan Lender Mthly Pay't Please refer to "Results" Worksheets for full details $0 Maximum loan amount at 1.25 NSR Note: Maximum loan amount must be within approved loan sizes for Geogrphical location & loan type. #DIV/0!
Net Servicing Ratio- FTB included NSR - FTB Excluded #DIV/0!
#DIV/0! #DIV/0!
Child Support Payments
Insert Originator/Broker Name Here
Applicant 1 Applicant 2 1 Applicants request a loan of $0
0 0
2
Applicants request a term of
0
years
3 4
The loan is qualified at The indicative customer borrowing rate selected is
1.00%
pa
0.00%
pa
5 6
The Net Servicing Ratio is The indicative monthly P&I payment excluding any fees is Using the data you have entered, the estimated maximum loan is The monthly P&I payment on the estimated maximum loan is Borrower 1 O/T Employment category is Borrower 2 O/T Employment catergory is
#DIV/0!
#DIV/0!
#DIV/0!
7
#DIV/0!
8
#DIV/0! 0 0
9 10
Please read the following carefully before applying the above results A B C D E F G H I J Age 1 meets criteria Age 2 meets criteria #DIV/0! NSR - FTB excluded =
#DIV/0!
Complete Living Expense -Cell J17 on Data Sheet Answer HECS - Borrower 1 - Cell E24 on Data Sheet Answer HECS - Borrower 2 - Cell F24 on Data Sheet Enter number of adults in Cell J13 on Data Sheet Enter number of dependents in Cell J14 on Data Sheet Always check the maximum loan size applicable the geographical location and type of dwelling.
K L M N O P Q R S
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