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{"sheet":"PFS","index":0,"n_rows":121,"n_cols":11,"rows_kept":121,"cut":false,"hidden":false,"merged":[[109,0,109,9],[110,0,110,9],[111,0,111,9],[114,0,114,10],[115,0,115,10],[116,0,116,10],[117,0,117,10],[119,0,119,9],[100,0,100,9],[101,0,101,9],[102,0,102,9],[103,0,103,9],[104,0,104,9],[105,0,105,9],[106,0,106,9],[107,0,107,9],[108,0,108,9],[99,0,99,10],[83,1,84,1],[83,2,84,4],[83,6,84,6],[83,8,84,9],[75,0,75,8],[71,0,71,8],[72,9,72,10],[73,9,73,10],[74,9,74,10],[76,0,76,8],[77,3,77,10],[78,1,78,10],[77,0,77,2],[72,3,72,4],[74,3,74,4],[73,3,73,4],[74,0,74,1],[72,0,72,1],[73,0,73,1],[79,0,79,10],[64,6,64,8],[65,6,65,8],[66,6,66,8],[67,6,67,8],[68,6,68,8],[69,6,69,8],[63,9,63,10],[64,9,64,10],[65,9,65,10],[66,9,66,10],[67,9,67,10],[68,9,68,10],[69,9,69,10],[67,4,67,5],[68,4,68,5],[69,4,69,5],[67,0,67,1],[68,0,68,1],[69,0,69,1],[64,2,64,3],[65,2,65,3],[66,2,66,3],[67,2,67,3],[68,2,68,3],[69,2,69,3],[64,4,64,5],[65,4,65,5],[66,4,66,5],[64,0,64,1],[65,0,65,1],[66,0,66,1],[49,0,49,10],[50,0,50,10],[52,0,52,2],[53,0,53,2],[55,0,55,2],[54,0,54,2],[27,5,27,9],[28,0,28,9],[48,0,48,1],[51,0,51,2],[35,0,35,1],[36,0,36,1],[31,0,31,1],[32,0,32,1],[33,0,33,1],[34,0,34,1],[37,0,39,0],[40,0,42,0],[43,0,45,0],[27,0,27,2],[56,0,56,2],[57,0,57,2],[58,0,58,2],[59,0,59,2],[60,0,60,2],[61,0,61,2],[62,0,62,10],[63,0,63,1],[63,2,63,3],[63,4,63,5],[63,6,63,8],[10,9,10,10],[13,0,13,10],[24,0,24,1],[25,0,25,1],[14,0,14,2],[15,0,15,2],[16,0,16,2],[17,0,17,2],[18,0,18,2],[22,0,22,2],[24,5,24,8],[23,0,23,2],[25,5,25,8],[15,5,15,9],[16,5,16,9],[17,5,17,9],[18,5,18,9],[19,5,19,9],[19,0,19,2],[20,0,20,2],[21,0,21,2],[20,5,20,9],[21,5,21,9],[23,5,23,9],[26,5,26,8],[26,0,26,1],[30,0,30,10],[3,0,3,10],[4,0,4,10],[7,2,7,4],[5,0,5,1],[6,0,6,1],[5,6,5,10],[7,6,7,10],[10,6,10,7],[8,6,8,10],[11,4,11,10],[6,3,6,4],[12,0,12,1],[12,5,12,7],[12,8,12,10],[7,0,7,1],[8,0,8,1],[10,0,10,1],[11,0,11,1],[9,6,9,7],[6,5,6,10],[9,9,9,10]]}
[]
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[]
["PERSONAL FINANCIAL STATEMENT (PFS) FOR NATURAL PERSONS"]
["PART A: BORROWER / GUARANTOR DETAILS"]
["NAME:  ",null,null,"SURNAME",null,"DATE OF BIRTH:"]
["I.D. / PASSPORT NO.: ",null,null,"NUMBER & AGE OF DEPENDANTS:    ",null,"bjbkbkj"]
["HOME ADDRESS:",null,null,null,null,"E-MAIL ADDRESS:"]
["POSTAL CODE:",null,null,"TOWN:",null,"COUNTRY:"]
["TEL:","HOME:",null,"WORK:",null,"MOBILE:",null,null,"FAX:"]
["PROFESSION / OCCUPATION: ",null,null,"EMPLOYER:  ",null,"POSITION:",null,null,"EMPLOYMENT DURATION:            "]
["MARITAL STATUS: ",null,null,"SPOUSE NAME: "]
["I.D. / PASSPORT NO.: ",null,null,"DATE OF BIRTH:",null,"PROFESSION / OCCUPATION: "]
["PART B: MONTHLY INCOME AND HOUSEHOLD EXPENDITURE (IN EURO)"]
["Income Details ",null,null,"Borrower / Guarantor","Spouse","Household Expenditure",null,null,null,null,"Average Monthly Charge1"]
["Gross Monthly Salary (before tax and any other deductions)",null,null,null,null,"Utilities & Taxes "]
["Net Monthly Salary (after tax and any other deductions)  ",null,null,null,null,"Property Tax and other "]
["Total Monthly Social Welfare Benefits ",null,null,null,null,"Insurances"]
["Alimony    ",null,null,null,null,"Household Expenses "]
["Total Other Income (e.g. Pension, grants)",null,null,null,null,"Transport Costs"]
["Monthly Income from Property Assets",null,null,null,null,"Education"]
["Interest income",null,null,null,null,"Medical Expenses"]
["Monthly Income from Non-Property Assets (e.g. dividends, investments etc)  ",null,null,null,null,"Social Expenses"]
["Bonus related income",null,null,null,null,"Other Immovable Property"]
["Other Income (define)",null,null,null,null,"Other expenses (define)"]
["Other Income (define)",null,null,null,null,"Other expenses (define)"]
["Other Income (define)",null,null,null,null,"Other expenses (define)"]
["TOTAL",null,null,{"$f":"SUM(D17:D27)","v":0},{"$f":"SUM(E17:E27)","v":0},"TOTAL",null,null,null,null,{"$f":"SUM(K16:K27)","v":0}]
["Total Surplus / (Deficit) : ",null,null,null,null,null,null,null,null,null,{"$f":"D28+E28-K28","v":0}]
["Monthly Arrears excluding Bank Institutions",null,null,null,null,null,null,null,null,null,0]
["PART C: CURRENT MONTHLY DEBT PAYMENTS (IN EURO)2"]
["Debt type ",null,"Credit Institution Name","Monthly Debt Payments ","Arrears / Excesses","Outstanding Balance   ","Original Amount or Limit","Date of Issue ","Remaining Term ","Restructured (Yes, No, N/A)","Security Type & Amount3"]
["Mortgage Loan for Primary Residence  (personal / joint)"]
["Mortgage Loan for Other Property  (personal / joint)"]
["Overdraft4"]
["Overdraft4"]
["Overdraft4"]
["Other Loan","Car"]
[null,"Personal"]
[null,"Other"]
["Other Loan","Car"]
[null,"Personal"]
[null,"Other"]
["Other Loan","Car"]
[null,"Personal"]
[null,"Other"]
["Credit Cards "]
["Hire Purchase / Leasing "]
["TOTAL",null,null,{"$f":"SUM(D33:D48)","v":0},{"$f":"SUM(E33:E48)","v":0},{"$f":"SUM(F33:F48)","v":0},{"$f":"SUM(G33:G48)","v":0}]
["PART D: PROPERTY ASSETS "]
["1. IMMOVABLE PROPERTY (IN EURO)5"]
["Property Description",null,null,"Location","Ownership share % ","Estimated Value6","Forced Sale Value7","Date of Valuation (MM/YY) ","Mortgaged / Encumbered? (YES/NO)","Amount of Mortgage ","Credit Institution Name"]
[]
[]
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[]
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[]
[]
["2. MOVABLE PROPERTY IN (EURO)"]
["Asset type",null,"Estimated Value",null,"Pledged / Free",null,"Credit Institution Name (if pledged)",null,null,"Relevant Details"]
["Deposits"]
["Cars"]
["Life Insurance Policies"]
["Shares"]
["Other Investments"]
["TOTAL",null,{"$f":"SUM(C65:D69)","v":0}]
[]
["Are you a guarantor for a third party? (If yes, complete below):"]
["Personal guarantee for: ",null,null,"Amount of Guarantee: ",null,null,"Date:",null,"Credit Institution: "]
["Personal guarantee for: ",null,null,"Amount of Guarantee: ",null,null,"Date:",null,"Credit Institution: "]
["Personal guarantee for: ",null,null,"Amount of Guarantee: ",null,null,"Date:",null,"Credit Institution: "]
["Has a court order or bankruptcy or any other order even been issued or is one still pending against you with regards to your financial duties? (If yes, attach details on a separate sheet)"]
["Do you have any relation or connection with clients of the Bank (whether individuals or companies / organizations)? (If yes, give details below):"]
["Name of related / connected client(s): "]
["Relation: "]
[]
[]
["I responsibly declate that the above given information is true to this date and I undertake to inform you of any changes"]
[]
[null,"SIGNATURE APPLICANT (S)",null,null,null,null,"DATE"]
[]
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[]
[]
[]
[]
[]
[]
[]
[]
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[]
[]
["Financial Information Summary (For Office Use Only)"]
["Total Monthly Income",null,null,null,null,null,null,null,null,null,{"$f":"D28+E28","v":0}]
["Less: Total Monthly Expenditure",null,null,null,null,null,null,null,null,null,{"$f":"-K28","v":0}]
["Less: Total Monthly Debt Repayments",null,null,null,null,null,null,null,null,null,{"$f":"-D49","v":0}]
["Total Current Surplus/(Deficit)",null,null,null,null,null,null,null,null,null,{"$f":"SUM(K101:K103)","v":0}]
["Ratio of {Total Monthly Debt Repayments to Net Monthly Income} (%)",null,null,null,null,null,null,null,null,null,{"$f":"IF(K101=0,0,ABS(K103/K101))","v":0}]
["Total Outstanding Balances of Credit Facilities (€)",null,null,null,null,null,null,null,null,null,{"$f":"F49","v":0}]
["Total Open Market Value(s) of Mortgaged/Encumbered Property/Properties (€)",null,null,null,null,null,null,null,null,null,{"$f":"IF($I$53=\"YES\",$F$53*$E$53,0)+IF($I$54=\"YES\",$F$54*$E$54,0)+IF($I$55=\"YES\",$F$55*$E$55,0)+IF($I$56=\"YES\",$F$56*$E$56,0)+IF($I$57=\"YES\",$F$57*$E$57,0)+IF($I$58=\"YES\",$F$58*$E$58,0)+IF($I$59=\"YES\",$F$59*$E$59,0)+IF($I$60=\"YES\",$F$60*$E$60,0)+IF($I$61=\"YES\",$F$61*E61,0)+IF($I$62=\"YES\",$F$62*$E$62,0)","v":0}]
["Total Forced Sale Value(s) of Mortgaged/Encumbered Property/Properties (€)",null,null,null,null,null,null,null,null,null,{"$f":"IF($I$53=\"YES\",$G$53*$E$53,0)+IF($I$54=\"YES\",$G$54*$E$54,0)+IF($I$55=\"YES\",$G$55*$E$55,0)+IF($I$56=\"YES\",$G$56*$E$56,0)+IF($I$57=\"YES\",$G$57*$E$57,0)+IF($I$58=\"YES\",$G$58*$E$58,0)+IF($I$59=\"YES\",$G$59*$E$59,0)+IF($I$60=\"YES\",$G$60*$E$60,0)+IF($I$61=\"YES\",$G$61*E61,0)+IF($I$62=\"YES\",$G$62*$E$62,0)","v":0}]
["Total Open Market Value(s) of Free Property/ies (€)",null,null,null,null,null,null,null,null,null,{"$f":"IF($I$53=\"NO\",$F$53*$E$53,0)+IF($I$54=\"NO\",$F$54*$E$54,0)+IF($I$55=\"NO\",$F$55*$E$55,0)+IF($I$56=\"NO\",$F$56*$E$56,0)+IF($I$57=\"NO\",$F$57*$E$57,0)+IF($I$58=\"NO\",$F$58*$E$58,0)+IF($I$59=\"NO\",$F$59*$E$59,0)+IF($I$60=\"NO\",$F$60*$E$60,0)+IF($I$61=\"NO\",$F$61*E63,0)+IF($I$62=\"NO\",$F$62*$E$62,0)","v":0}]
["Total Forced Sale Value(s) of Free Property/ies (€)",null,null,null,null,null,null,null,null,null,{"$f":"IF($I$53=\"NO\",$G$53*$E$53,0)+IF($I$54=\"NO\",$G$54*$E$54,0)+IF($I$55=\"NO\",$G$55*$E$55,0)+IF($I$56=\"NO\",$G$56*$E$56,0)+IF($I$57=\"NO\",$G$57*$E$57,0)+IF($I$58=\"NO\",$G$58*$E$58,0)+IF($I$59=\"NO\",$G$59*$E$59,0)+IF($I$60=\"NO\",$G$60*$E$60,0)+IF($I$61=\"NO\",$G$61*E63,0)+IF($I$62=\"NO\",$G$62*$E$62,0)","v":0}]
["Total Forced Sale Value(s) of all Properties (€) ",null,null,null,null,null,null,null,null,null,{"$f":"K108+K110","v":0}]
["Total Forced Sale Values of all Properties to Total Outstanding Balances of Credit Facilities (%)",null,null,null,null,null,null,null,null,null,{"$f":"IF(F49=0,0,K111/F49)","v":0}]
[]
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["1'Average Monthly Charge' is the total of the last three bills divided by the number of relevant months (e.g. average charge of electricity is the total of the latest three utility bills divided by six) or, if not applicable, a sound estimate shall be provided."]
["2 The authorised credit institution completes Part C itself, as much as possible"]
["3 Amount of Security for Mortgages is the lowest of the following three: (a) mortgage value,  (b)forced sales value of the property and (c)outstanding balance of the credit facility.  Amount of Security for shares is the mid-price of the market value of shares. Amount of Security for cash is the amount of the deposit that is blocked"]
["4 Monthly payment for overdraft account should be at least equal to the accrued interest"]
["5 The authorised credit institution completes Part D itself, as much as possible"]
["6 If no professional valuation is available, provide an estimate or purchase price"]
["7 If no professional valuation is available, estimate forced sale value as 70% of open market value or purchase price"]

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["EXAMPLES OF EXPENSES (NON EXHAUSTIVE LIST)"]
["Utilities and Taxes"]
["Electricity bill"]
["Water bill"]
["Phone / internet bill"]
["Central Heating"]
["Sewerage charges"]
["Refuse Collection Charges"]
["Municipality Charges"]
["Property tax and other"]
["Immovable property tax"]
["Insurances "]
["Home Insurance "]
["Life Insurance"]
["Medical Insurance"]
["Car insurance"]
["Professional insurance"]
["Investment Plan and Pension Insurance"]
["Household Expenditure "]
["Rent  & Common Expenses"]
["Childcare / elderly care"]
["Supermarket expenses (food / personal care)"]
["Clothing and Footwear "]
["Maintenance / House Repairs"]
["Housemaid salary and social insurance"]
["Transport Costs "]
["Fuel"]
["Road Tax"]
["MOT / Service costs"]
["Car maintenance / repairs "]
["Car parking"]
["Education "]
["Tuition Fees (kindergarden, primary education, secondary education)"]
["Uniforms and books  "]
["Extra Curricular activities (e.g. Sports, music etc) "]
["University / College (fees, travelling, accommodation)"]
["Other education expenses "]
["Medical Expenditure "]
["Pediatrician's fees"]
["Doctor's fees"]
["Medication"]
["Social Expenditure"]
["Travel"]
["Entertainment expenses (restaurants, cinema, cafes)"]
["Memberships (health club, gym)"]
["Other Immovable Property "]
["Monthly expenses (maintenance, etc)"]
["Other property expenses"]
["Other Expenditure"]
["Professional membeships"]
["Alimony"]
["Subscriptions and donations"]
["Monthly Savings "]
["Loans or other amounts due to non-financial corporations"]
["Other"]