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{"sheet":"Guide d'utilisation","index":0,"n_rows":24,"n_cols":15,"rows_kept":24,"cut":false,"hidden":false,"merged":[[19,1,19,11],[18,1,18,11],[12,1,12,11],[17,1,17,11],[11,1,11,11],[13,1,13,11],[14,1,14,11],[15,1,15,11],[16,1,16,11]]}
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[null,"Guide d'utilisation :"]
[null,"Il faut inscrire le mois de départ du budget à l'aide du menu déroulant situé à la ligne 2 en haut à gauche dans l'onglet « Trésorerie »."]
[null,"Les cellules noires représentent les totaux à fournir par l'utilisateur."]
[null,"Les cellules blanches doivent être remplies par l'utilisateur pour la répartition des montants par mois."]
[null,"Les cellules dans la colonne « Vérification » deviennent rouges si la ligne ne balance pas. "]
[null,"Le montant remboursé sur la marge de crédit est automatiquement le maximum disponible à l'encaisse."]
[null,"L'utilisateur doit ajuster le pourcentage des intérêts annuels sur la marge de crédit à l'aide des boutons situés en bas de la grille. ",null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Le solde bancaire du début et la marge de crédit accumulée le mois précédent doivent être saisis dès le départ aux lignes 72 et 79."]
[null,"Dans l'onglet « Réalisé », il faut saisir les données réelles après trois, six ou neuf mois si on veut faire un suivi."]
[]
[null,"Conception : Martin Malenfant, agronome, Direction régionale du Bas-Saint-Laurent (DRBSL), Ministère de l'Agriculture, des Pêcheries et de l'Alimentation (MAPAQ)"]
[null,"Programmation : Christophe Cyr Arsenault, B. Sc. A., DRBSL, MAPAQ"]
[null,"Participation : Andrée Champagne, étudiante en génie agroenvironnemental, DRBSL, MAPAQ"]

{"sheet":"Trésorerie","index":1,"n_rows":85,"n_cols":33,"rows_kept":85,"cut":false,"hidden":false,"merged":[[19,12,19,13],[0,12,0,13],[84,1,84,8],[80,3,81,3],[0,2,0,6],[0,8,0,10],[19,8,19,10],[19,2,19,6]]}
[null,"Nom de l'entreprise : ",null,null,null,null,null,"Production : ",null,null,null,"Année : "]
[null,"Premier mois (choisir)",{"$f":"VLOOKUP($R$3,$T$3:$AF$14,2,0)","v":"Mai"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,3,0)","v":"Juin"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,4,0)","v":"Juillet"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,5,0)","v":"Août"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,6,0)","v":"Septembre"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,7,0)","v":"Octobre"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,8,0)","v":"Novembre"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,9,0)","v":"Décembre"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,10,0)","v":"Janvier"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,11,0)","v":"Février"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,12,0)","v":"Mars"},{"$f":"VLOOKUP($R$3,$T$3:$AF$14,13,0)","v":"Avril"},"Total","Validation"]
[null,"Recettes d'exploitation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Janvier",1,"Janvier","Février","Mars","Avril","Mai","Juin","Juillet","Août","Septembre","Octobre","Novembre","Décembre"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C4:N4)","v":0},null,null,"Février",2,"Février","Mars","Avril","Mai","Juin","Juillet","Août","Septembre","Octobre","Novembre","Décembre","Janvier"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C5:N5)","v":0},null,null,"Mars",3,"Mars","Avril","Mai","Juin","Juillet","Août","Septembre","Octobre","Novembre","Décembre","Janvier","Février"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C6:N6)","v":0},null,null,"Avril",4,"Avril","Mai","Juin","Juillet","Août","Septembre","Octobre","Novembre","Décembre","Janvier","Février","Mars"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C7:N7)","v":0},null,null,"Mai",5,"Mai","Juin","Juillet","Août","Septembre","Octobre","Novembre","Décembre","Janvier","Février","Mars","Avril"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"Juin",6,"Juin","Juillet","Août","Septembre","Octobre","Novembre","Décembre","Janvier","Février","Mars","Avril","Mai"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"Juillet",7,"Juillet","Août","Septembre","Octobre","Novembre","Décembre","Janvier","Février","Mars","Avril","Mai","Juin"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"Août",8,"Août","Septembre","Octobre","Novembre","Décembre","Janvier","Février","Mars","Avril","Mai","Juin","Juillet",1234]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"Septembre",9,"Septembre","Octobre","Novembre","Décembre","Janvier","Février","Mars","Avril","Mai","Juin","Juillet","Août"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"Octobre",10,"Octobre","Novembre","Décembre","Janvier","Février","Mars","Avril","Mai","Juin","Juillet","Août","Septembre"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"Novembre",11,"Novembre","Décembre","Janvier","Février","Mars","Avril","Mai","Juin","Juillet","Août","Septembre","Octobre"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"Décembre",12,"Décembre","Janvier","Février","Mars","Avril","Mai","Juin","Juillet","Août","Septembre","Octobre","Novembre"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Total des recettes d'expl. (A)",{"$f":"SUM(C4:C18)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(C19:N19)","v":0}]
[]
[null,"Déboursés d'exploitation",{"$f":"C2","v":"Mai"},"Juin","Juillet","Août","Septembre","Octobre","Novembre","Décembre","Janvier","Février","Mars","Avril","Total","Validation",null,null,{"$f":"(S23+T24)/100","v":0.09}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C22:N22)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C23:N23)","v":0},null,null,9,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,{"$f":"T23/10","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Total des déboursés d'expl. (B)",{"$f":"SUM(C22:C56)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Marge monétaire d'expl. (A-B)",{"$f":"C19-C57","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,"(+) Ventes d'actifs",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C60:N60)","v":0}]
[null,"(+) Nouveaux emprunts",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C61:N61)","v":0}]
[null,"(+) Apports des propriétaires",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C62:N62)","v":0}]
[null,"(-) Remb. des fournisseurs",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C63:N63)","v":0}]
[null,"(-) Achats d'actifs",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"(-) Int. sur les emprunts MLT",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C65:N65)","v":0}]
[null,{"$f":"CONCATENATE(\"(-) Int. sur la marge de crédit (\",D81,\")\")","v":"(-) Int. sur la marge de crédit (9%)"},{"$f":"IF(C78>0,C78*$S$21/12,0)","v":0},{"$f":"IF(C77>0,C77*$S$21/12,0)","v":0},0,0,0,{"$f":"IF(G77>0,G77*$S$21/12,0)","v":0},0,0,0,0,0,0,{"$f":"SUM(C66:N66)","v":0},0]
[null,"(-) Remb. de capital",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"(-) Retraits des propriétaires",null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Marge monétaire",{"$f":"C58+C60+C61+C62-C63-C64-C65-C66-C67-C68","v":0},{"$f":"D58+D60+D61+D62-D63-D64-D65-D66-D67-D68","v":0},{"$f":"E58+E60+E61+E62-E63-E64-E65-E66-E67-E68","v":0},{"$f":"F58+F60+F61+F62-F63-F64-F65-F66-F67-F68","v":0},0,{"$f":"H58+H60+H61+H62-H63-H64-H65-H66-H67-H68","v":0},0,0,0,0,0,0,{"$f":"O58+O60+O61+O62-O63-O64-O65-O66-O67-O68","v":0},0]
[]
[null,"(+) Solde bancaire au début",null,{"$f":"C75","v":0},0,0,0,0,0,{"$f":"I75","v":0},{"$f":"J75","v":0},{"$f":"K75","v":0},{"$f":"L75","v":0},{"$f":"M75","v":0}]
[null,"(=) Solde mensuel de la trésorerie",{"$f":"C69+C71","v":0},{"$f":"D69+D71","v":0},{"$f":"E69+E71","v":0},0,0,0,{"$f":"I69+I71","v":0},0,0,0,0,0]
[null,"(+) Emprunt sur la marge de crédit",{"$f":"IF(C72<0,C72*-1,0)","v":0},{"$f":"IF(D72<0,D72*-1,0)","v":0},{"$f":"IF(E72<0,E72*-1,0)","v":0},0,0,0,{"$f":"IF(I72<0,I72*-1,0)","v":0},0,0,0,0,0]
[null,"(-) Remb. de la marge de crédit",{"$f":"IF(AND(C72>0,C78>0,C78<C72),C78,IF(AND(C72>0,C78>0,C78>C72),C72,0))","v":0},{"$f":"IF(AND(C77>0,D72>0,C77>D72),D72,IF(AND(C77>0,D72>0,C77<=D72),C77,0))","v":0},0,0,0,0,0,0,0,0,0,0]
[null,"(=) Solde bancaire à la fin",{"$f":"C72+C73-C74","v":0},{"$f":"D72+D73-D74","v":0},{"$f":"E72+E73-E74","v":0},0,0,0,{"$f":"I72+I73-I74","v":0},{"$f":"J72+J73-J74","v":0},0,0,0,0]
[]
[null,"Marge de crédit accumulée",{"$f":"C78+C73-C74","v":0},{"$f":"C77+D73-D74","v":0},{"$f":"D77+E73-E74","v":0},0,0,{"$f":"G77+H73-H74","v":0},0,{"$f":"I77+J73-J74","v":0},0,0,0,0]
[null,"Marge de crédit accumulée le mois précédent"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Validation :",{"$f":"-C78+C71+O69","v":0}]
[null,"Int. sur la marge de crédit (annuels)",8,{"$f":"CONCATENATE(S21*100,\"%\")","v":"9%"},null,null,null,null,null,null,null,null,"Validation :",{"$f":"-N77+N75","v":0}]
[null,"Ajuster"]
[]
[null,"   Conception : Martin Malenfant, agronome, DRBSL, MAPAQ"]
[null,"Programmation : Christophe Cyr Arsenault, B. Sc. A., DRBSL, MAPAQ"]

{"sheet":"Réalisé","index":2,"n_rows":71,"n_cols":10,"rows_kept":71,"cut":false,"hidden":false,"merged":[[18,1,18,5]]}
[]
[null,"Recettes d'exploitation\n","Budget ($)\nsur 12 mois","Réalisé ($)\nen 3 mois","%","Réalisé ($)\nen 6 mois","%","Réalisé ($)\nen 9 mois","%","% \nréalisé"]
[null,{"$f":"IF(Trésorerie!B4=\"\",\"\",Trésorerie!B4)","v":""},{"$f":"IF(Trésorerie!O4=\"\",\"\",Trésorerie!O4)","v":""},null,{"$f":"IF(C3=\"\",\"\",(D3/C3)*100)","v":""},null,{"$f":"IF(C3=\"\",\"\",(F3/C3)*100)","v":""},null,{"$f":"IF(C3=\"\",\"\",(H3/C3)*100)","v":""},{"$f":"IFERROR(E3+G3+I3,\"\")","v":""}]
[null,{"$f":"IF(Trésorerie!B5=\"\",\"\",Trésorerie!B5)","v":""},{"$f":"IF(Trésorerie!O5=\"\",\"\",Trésorerie!O5)","v":""},null,{"$f":"IF(C4=\"\",\"\",(D4/C4)*100)","v":""},null,{"$f":"IF(C4=\"\",\"\",(F4/C4)*100)","v":""},null,{"$f":"IF(C4=\"\",\"\",(H4/C4)*100)","v":""},{"$f":"IFERROR(E4+G4+I4,\"\")","v":""}]
[null,{"$f":"IF(Trésorerie!B6=\"\",\"\",Trésorerie!B6)","v":""},{"$f":"IF(Trésorerie!O6=\"\",\"\",Trésorerie!O6)","v":""},null,"",null,"",null,"",{"$f":"IFERROR(E5+G5+I5,\"\")","v":""}]
[null,{"$f":"IF(Trésorerie!B7=\"\",\"\",Trésorerie!B7)","v":""},{"$f":"IF(Trésorerie!O7=\"\",\"\",Trésorerie!O7)","v":""},null,"",null,"",null,"",{"$f":"IFERROR(E6+G6+I6,\"\")","v":""}]
[null,{"$f":"IF(Trésorerie!B8=\"\",\"\",Trésorerie!B8)","v":""},{"$f":"IF(Trésorerie!O8=\"\",\"\",Trésorerie!O8)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B9=\"\",\"\",Trésorerie!B9)","v":""},{"$f":"IF(Trésorerie!O9=\"\",\"\",Trésorerie!O9)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B10=\"\",\"\",Trésorerie!B10)","v":""},{"$f":"IF(Trésorerie!O10=\"\",\"\",Trésorerie!O10)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B11=\"\",\"\",Trésorerie!B11)","v":""},{"$f":"IF(Trésorerie!O11=\"\",\"\",Trésorerie!O11)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B12=\"\",\"\",Trésorerie!B12)","v":""},{"$f":"IF(Trésorerie!O12=\"\",\"\",Trésorerie!O12)","v":""},null,"",null,"","","",""]
[null,{"$f":"IF(Trésorerie!B13=\"\",\"\",Trésorerie!B13)","v":""},{"$f":"IF(Trésorerie!O13=\"\",\"\",Trésorerie!O13)","v":""},null,"","","","","",""]
[null,{"$f":"IF(Trésorerie!B14=\"\",\"\",Trésorerie!B14)","v":""},{"$f":"IF(Trésorerie!O14=\"\",\"\",Trésorerie!O14)","v":""},null,"","","","","",""]
[null,{"$f":"IF(Trésorerie!B15=\"\",\"\",Trésorerie!B15)","v":""},{"$f":"IF(Trésorerie!O15=\"\",\"\",Trésorerie!O15)","v":""},"","","","","","",""]
[null,{"$f":"IF(Trésorerie!B16=\"\",\"\",Trésorerie!B16)","v":""},{"$f":"IF(Trésorerie!O16=\"\",\"\",Trésorerie!O16)","v":""},"","","","","","",""]
[null,{"$f":"IF(Trésorerie!B17=\"\",\"\",Trésorerie!B17)","v":""},{"$f":"IF(Trésorerie!O17=\"\",\"\",Trésorerie!O17)","v":""},"","","","","","",""]
[null,{"$f":"IF(Trésorerie!B18=\"\",\"\",Trésorerie!B18)","v":""},{"$f":"IF(Trésorerie!O18=\"\",\"\",Trésorerie!O18)","v":""},"","","","","","",""]
[null,"Total des recettes d'expl. (A)",{"$f":"SUM(C3:C17)","v":0},{"$f":"SUM(D3:D17)","v":0},null,{"$f":"SUM(F3:F17)","v":0},null,{"$f":"SUM(H3:H17)","v":0}]
[]
[null,"Déboursés d'exploitation","Budget ($)\nsur 12 mois","Réalisé ($)\nen 3 mois","%","Réalisé ($)\nen 6 mois","%","Réalisé ($)\nen 9 mois","%","% \nréalisé"]
[null,{"$f":"IF(Trésorerie!B22=\"\",\"\",Trésorerie!B22)","v":""},{"$f":"IF(Trésorerie!O22=\"\",\"\",Trésorerie!O22)","v":""},"",{"$f":"IF(C21=\"\",\"\",(D21/C21)*100)","v":""},null,{"$f":"IF(C21=\"\",\"\",(F21/C21)*100)","v":""},null,{"$f":"IF(C21=\"\",\"\",(H21/C21)*100)","v":""},{"$f":"IFERROR(E21+G21+I21,\"\")","v":""}]
[null,{"$f":"IF(Trésorerie!B23=\"\",\"\",Trésorerie!B23)","v":""},{"$f":"IF(Trésorerie!O23=\"\",\"\",Trésorerie!O23)","v":""},null,{"$f":"IF(C22=\"\",\"\",(D22/C22)*100)","v":""},null,{"$f":"IF(C22=\"\",\"\",(F22/C22)*100)","v":""},null,{"$f":"IF(C22=\"\",\"\",(H22/C22)*100)","v":""},{"$f":"IFERROR(E22+G22+I22,\"\")","v":""}]
[null,{"$f":"IF(Trésorerie!B24=\"\",\"\",Trésorerie!B24)","v":""},{"$f":"IF(Trésorerie!O24=\"\",\"\",Trésorerie!O24)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B25=\"\",\"\",Trésorerie!B25)","v":""},{"$f":"IF(Trésorerie!O25=\"\",\"\",Trésorerie!O25)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B26=\"\",\"\",Trésorerie!B26)","v":""},{"$f":"IF(Trésorerie!O26=\"\",\"\",Trésorerie!O26)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B27=\"\",\"\",Trésorerie!B27)","v":""},{"$f":"IF(Trésorerie!O27=\"\",\"\",Trésorerie!O27)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B28=\"\",\"\",Trésorerie!B28)","v":""},{"$f":"IF(Trésorerie!O28=\"\",\"\",Trésorerie!O28)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B29=\"\",\"\",Trésorerie!B29)","v":""},{"$f":"IF(Trésorerie!O29=\"\",\"\",Trésorerie!O29)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B30=\"\",\"\",Trésorerie!B30)","v":""},{"$f":"IF(Trésorerie!O30=\"\",\"\",Trésorerie!O30)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B31=\"\",\"\",Trésorerie!B31)","v":""},{"$f":"IF(Trésorerie!O31=\"\",\"\",Trésorerie!O31)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B32=\"\",\"\",Trésorerie!B32)","v":""},{"$f":"IF(Trésorerie!O32=\"\",\"\",Trésorerie!O32)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B33=\"\",\"\",Trésorerie!B33)","v":""},{"$f":"IF(Trésorerie!O33=\"\",\"\",Trésorerie!O33)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B34=\"\",\"\",Trésorerie!B34)","v":""},{"$f":"IF(Trésorerie!O34=\"\",\"\",Trésorerie!O34)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B35=\"\",\"\",Trésorerie!B35)","v":""},{"$f":"IF(Trésorerie!O35=\"\",\"\",Trésorerie!O35)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B36=\"\",\"\",Trésorerie!B36)","v":""},{"$f":"IF(Trésorerie!O36=\"\",\"\",Trésorerie!O36)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B37=\"\",\"\",Trésorerie!B37)","v":""},{"$f":"IF(Trésorerie!O37=\"\",\"\",Trésorerie!O37)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B38=\"\",\"\",Trésorerie!B38)","v":""},{"$f":"IF(Trésorerie!O38=\"\",\"\",Trésorerie!O38)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B39=\"\",\"\",Trésorerie!B39)","v":""},{"$f":"IF(Trésorerie!O39=\"\",\"\",Trésorerie!O39)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B40=\"\",\"\",Trésorerie!B40)","v":""},{"$f":"IF(Trésorerie!O40=\"\",\"\",Trésorerie!O40)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B41=\"\",\"\",Trésorerie!B41)","v":""},{"$f":"IF(Trésorerie!O41=\"\",\"\",Trésorerie!O41)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B42=\"\",\"\",Trésorerie!B42)","v":""},{"$f":"IF(Trésorerie!O42=\"\",\"\",Trésorerie!O42)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B43=\"\",\"\",Trésorerie!B43)","v":""},{"$f":"IF(Trésorerie!O43=\"\",\"\",Trésorerie!O43)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B44=\"\",\"\",Trésorerie!B44)","v":""},{"$f":"IF(Trésorerie!O44=\"\",\"\",Trésorerie!O44)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B45=\"\",\"\",Trésorerie!B45)","v":""},{"$f":"IF(Trésorerie!O45=\"\",\"\",Trésorerie!O45)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B46=\"\",\"\",Trésorerie!B46)","v":""},{"$f":"IF(Trésorerie!O46=\"\",\"\",Trésorerie!O46)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B47=\"\",\"\",Trésorerie!B47)","v":""},{"$f":"IF(Trésorerie!O47=\"\",\"\",Trésorerie!O47)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B48=\"\",\"\",Trésorerie!B48)","v":""},{"$f":"IF(Trésorerie!O48=\"\",\"\",Trésorerie!O48)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B49=\"\",\"\",Trésorerie!B49)","v":""},{"$f":"IF(Trésorerie!O49=\"\",\"\",Trésorerie!O49)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B50=\"\",\"\",Trésorerie!B50)","v":""},{"$f":"IF(Trésorerie!O50=\"\",\"\",Trésorerie!O50)","v":""},"","",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B51=\"\",\"\",Trésorerie!B51)","v":""},{"$f":"IF(Trésorerie!O51=\"\",\"\",Trésorerie!O51)","v":""},"","",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B52=\"\",\"\",Trésorerie!B52)","v":""},{"$f":"IF(Trésorerie!O52=\"\",\"\",Trésorerie!O52)","v":""},"","",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B53=\"\",\"\",Trésorerie!B53)","v":""},{"$f":"IF(Trésorerie!O53=\"\",\"\",Trésorerie!O53)","v":""},"","",null,"",null,"",""]
[null,{"$f":"IF(Trésorerie!B54=\"\",\"\",Trésorerie!B54)","v":""},{"$f":"IF(Trésorerie!O54=\"\",\"\",Trésorerie!O54)","v":""},"","","","",null,"",""]
[null,{"$f":"IF(Trésorerie!B55=\"\",\"\",Trésorerie!B55)","v":""},{"$f":"IF(Trésorerie!O55=\"\",\"\",Trésorerie!O55)","v":""},"","","","",null,"",""]
[null,{"$f":"IF(Trésorerie!B56=\"\",\"\",Trésorerie!B56)","v":""},{"$f":"IF(Trésorerie!O56=\"\",\"\",Trésorerie!O56)","v":""},"","","","","","",""]
[null,"Total des déboursés d'expl. (B)",{"$f":"SUM(C21:C55)","v":0},{"$f":"SUM(D21:D55)","v":0},null,{"$f":"SUM(F21:F55)","v":0},null,{"$f":"SUM(H21:H55)","v":0}]
[null,"Marge monétaire d'expl. (A-B)",{"$f":"C18-C56","v":0},{"$f":"D18-D56","v":0},null,{"$f":"F18-F56","v":0},null,{"$f":"H18-H56","v":0}]
[]
[null,"(+) Ventes d'actifs",{"$f":"IF(Trésorerie!O60=\"\",\"\",Trésorerie!O60)","v":""},null,{"$f":"IF(C59=\"\",\"\",(D59/C59)*100)","v":""},null,{"$f":"IF(C59=\"\",\"\",(F59/C59)*100)","v":""},null,{"$f":"IF(C59=\"\",\"\",(H59/C59)*100)","v":""},{"$f":"IFERROR(E59+G59+I59,\"\")","v":""}]
[null,"(+) Nouveaux emprunts",{"$f":"IF(Trésorerie!O61=\"\",\"\",Trésorerie!O61)","v":""},null,{"$f":"IF(C60=\"\",\"\",(D60/C60)*100)","v":""},null,{"$f":"IF(C60=\"\",\"\",(F60/C60)*100)","v":""},null,{"$f":"IF(C60=\"\",\"\",(H60/C60)*100)","v":""},{"$f":"IFERROR(E60+G60+I60,\"\")","v":""}]
[null,"(+) Apports des propriétaires",{"$f":"IF(Trésorerie!O62=\"\",\"\",Trésorerie!O62)","v":""},null,"",null,"",null,{"$f":"IF(C61=\"\",\"\",(H61/C61)*100)","v":""},""]
[null,"(-) Remb. des fournisseurs",{"$f":"IF(Trésorerie!O63=\"\",\"\",Trésorerie!O63)","v":""},null,"",null,"",null,"",""]
[null,"(-) Achats d'actifs",{"$f":"IF(Trésorerie!O64=\"\",\"\",Trésorerie!O64)","v":""},null,"",null,"",null,"",""]
[null,"(-) Intérêts sur les emprunts MLT",{"$f":"IF(Trésorerie!O65=\"\",\"\",Trésorerie!O65)","v":""},null,"",null,"",null,"",""]
[null,{"$f":"CONCATENATE(\"(-) Int. sur la marge de crédit (\",Trésorerie!D81,\")\")","v":"(-) Int. sur la marge de crédit (9%)"},{"$f":"IF(Trésorerie!O66=\"\",\"\",Trésorerie!O66)","v":0},null,{"$f":"IF(C65=0,0,(D65/C65)*100)","v":0},null,{"$f":"IF(C65=0,0,(F65/C65)*100)","v":0},null,{"$f":"IF(C65=0,0,(H65/C65)*100)","v":0},0]
[null,"(-) Remb. de capital",{"$f":"IF(Trésorerie!O67=\"\",\"\",Trésorerie!O67)","v":""},null,"",null,"",null,"",""]
[null,"(-) Retraits des propriétaires",{"$f":"IF(Trésorerie!O68=\"\",\"\",Trésorerie!O68)","v":""},null,"",null,"",null,"",""]
[null,"Marge monétaire",{"$f":"SUM(C57,C59:C61)-SUM(C62:C67)","v":0},{"$f":"SUM(D57,D59:D61)-SUM(D62:D67)","v":0},null,{"$f":"SUM(F57,F59:F61)-SUM(F62:F67)","v":0},null,{"$f":"SUM(H57,H59:H61)-SUM(H62:H67)","v":0}]
[]
[null,"Conception : Martin Malenfant, agronome, DRBSL, MAPAQ"]
[null,"Programmation : Andrée Champagne, étudiante en génie agroenvironnemental, DRBSL, MAPAQ"]

{"sheet":"Emprunt","index":3,"n_rows":43,"n_cols":14,"rows_kept":43,"cut":false,"hidden":false,"merged":[[3,8,3,11],[12,1,12,2],[12,3,12,4],[3,3,3,4],[4,3,4,4],[5,3,5,4],[3,1,3,2],[4,1,4,2],[5,1,5,2]]}
[]
[null,"1. Saisir les renseignements relatifs à l'emprunt."]
[]
[null,"Somme empruntée ($)",null,40000]
[null,"Taux d'intérêt (%)",null,5]
[null,"Amortissement* (nombre d'années)",null,7]
[]
[null,"*Durée de l'amortissement du calculateur : jusqu'à 25 ans."]
[]
[]
[null,"2. Sélectionner la période."]
[]
[null,"Choix de la période",null,"An 1"]
[]
[]
[null,"3. Choisir la capitalisation appropriée et utiliser les renseignements suivants pour remplir les lignes 66 et 68 de l'onglet « Trésorerie »."]
[]
[null,"Capitalisation mensuelle (12 mois par année)"]
[null,"Pour les colonnes B à M"]
[null,"Mois",{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,2,FALSE)","v":1},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,3,FALSE)","v":2},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,4,FALSE)","v":3},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,5,FALSE)","v":4},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,6,FALSE)","v":5},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,7,FALSE)","v":6},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,8,FALSE)","v":7},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,9,FALSE)","v":8},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,10,FALSE)","v":9},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,11,FALSE)","v":10},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,12,FALSE)","v":11},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,13,FALSE)","v":12}]
[null,"Intérêts sur les emprunts MLT",{"$f":"VLOOKUP(C20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":166.66666666666606},{"$f":"VLOOKUP(D20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":165.00545959912603},{"$f":"VLOOKUP(E20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":163.33733083547122},{"$f":"VLOOKUP(F20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":161.66225153530121},{"$f":"VLOOKUP(G20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":159.98019273804709},{"$f":"VLOOKUP(H20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":158.29112536247112},{"$f":"VLOOKUP(I20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":156.59502020616367},{"$f":"VLOOKUP(J20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":154.89184794503814},{"$f":"VLOOKUP(K20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":153.18157913282465},{"$f":"VLOOKUP(L20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":151.46418420056028},{"$f":"VLOOKUP(M20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":149.73963345607808},{"$f":"VLOOKUP(N20,'Capitalisation mensuelle'!$A$8:$E$308,2,FALSE)","v":148.0078970834939}]
[null,"Remboursement du capital",{"$f":"VLOOKUP(C20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":398.68969620961389},{"$f":"VLOOKUP(D20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":400.35090327715392},{"$f":"VLOOKUP(E20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":402.01903204080872},{"$f":"VLOOKUP(F20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":403.69411134097874},{"$f":"VLOOKUP(G20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":405.37617013823285},{"$f":"VLOOKUP(H20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":407.06523751380882},{"$f":"VLOOKUP(I20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":408.76134267011628},{"$f":"VLOOKUP(J20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":410.46451493124181},{"$f":"VLOOKUP(K20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":412.17478374345529},{"$f":"VLOOKUP(L20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":413.89217867571966},{"$f":"VLOOKUP(M20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":415.61672942020186},{"$f":"VLOOKUP(N20,'Capitalisation mensuelle'!$A$8:$E$308,3)","v":417.34846579278604}]
[null,"Mensualités",{"$f":"SUM(C21:C22)","v":565.35636287627995},565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995,565.35636287627995]
[]
[null,"Pour la colonne N"]
[null,"Intérêts sur les emprunts MLT",{"$f":"SUM(C21:N21)","v":1888.8231887612415}]
[null,"Remboursement du capital",{"$f":"SUM(C22:N22)","v":4895.4531657541174}]
[null,"Annuité",{"$f":"SUM(C23:N23)","v":6784.2763545153612}]
[]
[]
[null,"Capitalisation semestrielle (deux fois par année)"]
[null,"Pour les colonnes B à M"]
[null,"Mois",{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,2,FALSE)","v":1},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,3,FALSE)","v":2},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,4,FALSE)","v":3},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,5,FALSE)","v":4},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,6,FALSE)","v":5},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,7,FALSE)","v":6},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,8,FALSE)","v":7},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,9,FALSE)","v":8},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,10,FALSE)","v":9},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,11,FALSE)","v":10},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,12,FALSE)","v":11},{"$f":"VLOOKUP($D$13,'Capitalisation mensuelle'!$H$8:$T$32,13,FALSE)","v":12}]
[null,"Intérêts sur les emprunts MLT",{"$f":"VLOOKUP(C33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":164.95661860576945},{"$f":"VLOOKUP(D33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":163.30937823362621},{"$f":"VLOOKUP(E33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":161.65534478143746},{"$f":"VLOOKUP(F33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":159.99449023511545},{"$f":"VLOOKUP(G33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":158.32678646504445},{"$f":"VLOOKUP(H33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":156.6522052256048},{"$f":"VLOOKUP(I33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":154.97071815469411},{"$f":"VLOOKUP(J33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":153.28229677324731},{"$f":"VLOOKUP(K33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":151.58691248475395},{"$f":"VLOOKUP(L33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":149.88453657477379},{"$f":"VLOOKUP(M33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":148.17514021045099},{"$f":"VLOOKUP(N33,'Capitalisation semestrielle'!$A$8:$E$308,2,FALSE)","v":146.4586944400254}]
[null,"Remboursement du capital",{"$f":"VLOOKUP(C33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":399.43601804301636},{"$f":"VLOOKUP(D33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":401.08325841515961},{"$f":"VLOOKUP(E33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":402.73729186734835},{"$f":"VLOOKUP(F33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":404.39814641367036},{"$f":"VLOOKUP(G33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":406.06585018374136},{"$f":"VLOOKUP(H33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":407.74043142318101},{"$f":"VLOOKUP(I33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":409.4219184940917},{"$f":"VLOOKUP(J33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":411.1103398755385},{"$f":"VLOOKUP(K33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":412.80572416403186},{"$f":"VLOOKUP(L33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":414.50810007401202},{"$f":"VLOOKUP(M33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":416.21749643833482},{"$f":"VLOOKUP(N33,'Capitalisation semestrielle'!$A$8:$D$308,3)","v":417.93394220876041}]
[null,"Mensualités",{"$f":"SUM(C34:C35)","v":564.39263664878581},564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581,564.39263664878581]
[]
[null,"Pour la colonne N"]
[null,"Intérêts sur les emprunts MLT",{"$f":"SUM(C34:N34)","v":1869.2531221845434}]
[null,"Remboursement du capital",{"$f":"SUM(C35:N35)","v":4903.4585176008868}]
[null,"Annuité",{"$f":"SUM(C36:N36)","v":6772.7116397854297}]
[]
[null,"Conception et programmation : Laurence Gendron, agronome, M. Sc., Directions régionales de la Mauricie et du Centre-du-Québec, MAPAQ"]

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["Capitalisation mensuelle"]
[]
["Montant emprunté ($)",null,{"$f":"Emprunt!D4","v":40000},null,null,"Taux effectif","Taux périodique (paiements mensuels)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Au Canada, les taux hypothécaires affichés sont annuels, mais on les capitalise par semestre. Cela signifie que le taux nominal qu’on vous présente n’est pas le taux que vous payez réellement. Celui-ci en vient à être légèrement plus élevé."]
["Taux d'intérêt (%)",null,{"$f":"Emprunt!D5","v":5},null,null,{"$f":"((1+C4/100/12)^12)-1","v":5.116189788173342E-2},{"$f":"((1+F4)^(1/12))-1","v":4.1666666666666519E-3}]
["Amortissement* (années)",null,{"$f":"Emprunt!D6","v":7},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prenons l’exemple d’un taux annuel fixe de 3 %. Nous commençons par trouver le taux annuel réel pour ensuite déterminer le taux périodique, c’est-à-dire celui qui s’applique sur vos versements."]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Puisque la capitalisation est biannuelle, on en vient à trouver le taux périodique en utilisant les formules suivantes :"]
["Mois","Intérêts","Capital","Mensualités","Annuités",null,null,"An 1",1,2,3,4,5,6,7,8,9,10,11,12]
[1,{"$f":"-CUMIPMT($G$4,12*$C$5,$C$3,$A9,$A9,0)","v":166.66666666666606},{"$f":"-CUMPRINC($G$4,$C$5*12,$C$3,$A9,$A9,0)","v":398.68969620961389},{"$f":"SUM(B9:C9)","v":565.35636287627995},{"$f":"SUM(D9:D20)","v":6784.2763545153612},null,null,"An 2",13,14,15,16,17,18,19,20,21,22,23,24,null,"Taux annuel affiché / Nombre de périodes de capitalisation"]
[2,165.00545959912603,400.35090327715392,565.35636287627995,null,null,null,"An 3",25,26,27,28,29,30,31,32,33,34,35,36]
[3,163.33733083547122,402.01903204080872,565.35636287627995,null,null,null,"An 4",37,38,39,40,41,42,43,44,45,46,47,48,null,"Pour notre exemple on obtient : 3 % / 2 = 1,5 %"]
[4,161.66225153530121,403.69411134097874,565.35636287627995,null,null,null,"An 5",49,50,51,52,53,54,55,56,57,58,59,60]
[5,159.98019273804709,405.37617013823285,565.35636287627995,null,null,null,"An 6",61,62,63,64,65,66,67,68,69,70,71,72,null,"De par la capitalisation, on arrive à ce taux nouveau annuel : (1 + Taux par période de capitalisation)Nombre de périodes de cap.  - 1 = Taux annuel réel"]
[6,158.29112536247112,407.06523751380882,565.35636287627995,null,null,null,"An 7",73,74,75,76,77,78,79,80,81,82,83,84]
[7,156.59502020616367,408.76134267011628,565.35636287627995,null,null,null,"An 8",85,86,87,88,89,90,91,92,93,94,95,96,null,"Notre exemple nous donne : (1 + 1,5 %) 2 - 1 = 3,0225 %"]
[8,154.89184794503814,410.46451493124181,565.35636287627995,null,null,null,"An 9",97,98,99,100,101,102,103,104,105,106,107,108]
[9,153.18157913282465,412.17478374345529,565.35636287627995,null,null,null,"An 10",109,110,111,112,113,114,115,116,117,118,119,120,null,"Puisque les paiements s’effectuent sur une base mensuelle (12 fois par année), bimensuelle (24 fois par année) ou aux deux semaines (26 fois par année), on doit ajuster le tout en fonction de la périodicité."]
[10,151.46418420056028,413.89217867571966,565.35636287627995,null,null,null,"An 11",121,122,123,124,125,126,127,128,129,130,131,132]
[11,149.73963345607808,415.61672942020186,565.35636287627995,null,null,null,"An 12",133,134,135,136,137,138,139,140,141,142,143,144,null,"Si les paiements sont mensuels, on obtient ainsi ce taux périodique : (1 + 3,0225 %) 1/12 -1 = 0,248452 %"]
[12,148.0078970834939,417.34846579278604,565.35636287627995,null,null,null,"An 13",145,146,147,148,149,150,151,152,153,154,155,156]
[13,146.26894514269071,419.08741773358923,565.35636287627995,{"$f":"SUM(D21:D32)","v":6784.2763545153612},null,null,"An 14",157,158,159,160,161,162,163,164,165,166,167,168,null,"Jusqu’à l’échéance du terme de l’hypothèque, chacun de vos paiements sert à payer en intérêts 0,248452 % du solde. Le restant sera alloué à la diminution du capital (le montant du prêt)."]
[14,144.5227475688007,420.83361530747925,565.35636287627995,null,null,null,"An 15",169,170,171,172,173,174,175,176,177,178,179,180]
[15,142.76927417168628,422.58708870459367,565.35636287627995,null,null,null,"An 16",181,182,183,184,185,186,187,188,189,190,191,192,null,"Plus vous avancez dans le remboursement de votre hypothèque, plus la portion de votre versement allouée aux intérêts diminue, tandis que celle allouée au capital augmente. En effectuant un versement supplémentaire à votre paiement régulier, le capital diminue. Cela a pour effet de réduire la portion allouée aux intérêts lors de la prochaine période. Assurez-vous de respecter les modalités de votre contrat hypothécaire en matière de remboursement en capital. Cela explique pourquoi une période d’amortissement de plus courte durée peut vous faire économiser beaucoup en frais d’intérêts."]
[16,141.00849463541709,424.34786824086285,565.35636287627995,null,null,null,"An 17",193,194,195,196,197,198,199,200,201,202,203,204]
[17,139.24037851774676,426.11598435853318,565.35636287627995,null,null,null,"An 18",205,206,207,208,209,210,211,212,213,214,215,216]
[18,137.46489524958622,427.89146762669372,565.35636287627995,null,null,null,"An 19",217,218,219,220,221,222,223,224,225,226,227,228]
[19,135.68201413447508,429.67434874180486,565.35636287627995,null,null,null,"An 20",229,230,231,232,233,234,235,236,237,238,239,240]
[20,133.89170434805084,431.46465852822911,565.35636287627995,null,null,null,"An 21",241,242,243,244,245,246,247,248,249,250,251,252]
[21,132.09393493751656,433.26242793876338,565.35636287627995,null,null,null,"An 22",253,254,255,256,257,258,259,260,261,262,263,264]
[22,130.28867482110508,435.06768805517487,565.35636287627995,null,null,null,"An 23",265,266,267,268,269,270,271,272,273,274,275,276]
[23,128.4758927875418,436.88047008873815,565.35636287627995,null,null,null,"An 24",277,278,279,280,281,282,283,284,285,286,287,288]
[24,126.65555749550543,438.70080538077451,565.35636287627995,null,null,null,"An 25",289,290,291,292,293,294,295,296,297,298,299,300]
[25,124.82763747308553,440.52872540319441,565.35636287627995,{"$f":"SUM(D33:D44)","v":6784.2763545153612}]
[26,122.99210111723897,442.36426175904097,565.35636287627995]
[27,121.14891669324294,444.20744618303701,565.35636287627995]
[28,119.29805233414697,446.05831054213297,565.35636287627995]
[29,117.43947604022145,447.9168868360585,565.35636287627995]
[30,115.57315567840448,449.78320719787547,565.35636287627995]
[31,113.6990589817467,451.65730389453324,565.35636287627995]
[32,111.81715354885284,453.5392093274271,565.35636287627995]
[33,109.92740684332188,455.42895603295807,565.35636287627995]
[34,108.02978619318458,457.32657668309537,565.35636287627995]
[35,106.12425879033833,459.23210408594161,565.35636287627995]
[36,104.21079168998023,461.14557118629972,565.35636287627995]
[37,102.28935181003732,463.06701106624263,565.35636287627995,{"$f":"SUM(D45:D56)","v":6784.2763545153612}]
[38,100.35990593059472,464.99645694568522,565.35636287627995]
[39,98.422420693320987,466.93394218295896,565.35636287627995]
[40,96.476862600891991,468.87950027538795,565.35636287627995]
[41,94.523198016411243,470.8331648598687,565.35636287627995]
[42,92.561393162828438,472.79496971345151,565.35636287627995]
[43,90.591414122355729,474.76494875392422,565.35636287627995]
[44,88.613226835881051,476.74313604039889,565.35636287627995]
[45,86.626797102379385,478.72956577390056,565.35636287627995]
[46,84.632090578321538,480.72427229795841,565.35636287627995]
[47,82.629072777080012,482.72729009919993,565.35636287627995]
[48,80.617709068333284,484.73865380794666,565.35636287627995]
[49,78.597964677466905,486.75839819881304,565.35636287627995,{"$f":"SUM(D57:D68)","v":6784.2763545153612}]
[50,76.569804684971871,488.78655819130807,565.35636287627995]
[51,74.533194025841453,490.82316885043849,565.35636287627995]
[52,72.48809748896457,492.86826538731538,565.35636287627995]
[53,70.434479716517501,494.92188315976244,565.35636287627995]
[54,68.372305203351743,496.9840576729282,565.35636287627995]
[55,66.301538296381295,499.05482457989865,565.35636287627995]
[56,64.222143193964996,501.13421968231495,565.35636287627995]
[57,62.134083945288751,503.22227893099119,565.35636287627995]
[58,60.037324449742925,505.31903842653702,565.35636287627995]
[59,57.931828456299002,507.42453441998094,565.35636287627995]
[60,55.817559562882479,509.53880331339747,565.35636287627995]
[61,53.694481215743338,511.66188166053661,565.35636287627995,{"$f":"SUM(D69:D80)","v":6784.2763545153612}]
[62,51.562556708824445,513.7938061674555,565.35636287627995]
[63,49.421749183126735,515.93461369315321,565.35636287627995]
[64,47.272021626071819,518.08434125020813,565.35636287627995]
[65,{"$f":"-CUMIPMT($G$4,12*$C$5,$C$3,$A73,$A73,0)","v":45.113336870862781},{"$f":"-CUMPRINC($G$4,$C$5*12,$C$3,$A73,$A73,0)","v":520.24302600541716},{"$f":"SUM(B73:C73)","v":565.35636287627995}]
[66,42.945657595840089,522.41070528043986,565.35636287627995]
[67,40.768946323838236,524.58741655244171,565.35636287627995]
[68,38.583165421536478,526.77319745474347,565.35636287627995]
[69,36.38827709880843,528.96808577747152,565.35636287627995]
[70,34.184243408068937,531.17211946821101,565.35636287627995]
[71,31.971026243618098,533.38533663266185,565.35636287627995]
[72,29.748587340981885,535.60777553529806,565.35636287627995]
[73,27.51688827625162,537.83947460002832,565.35636287627995,{"$f":"SUM(D81:D92)","v":6784.2763545153612}]
[74,25.275890465418229,540.08047241086172,565.35636287627995]
[75,23.025555163706144,542.3308077125738,565.35636287627995]
[76,20.765843464903924,544.59051941137602,565.35636287627995]
[77,18.496716300689855,546.85964657559009,565.35636287627995]
[78,16.218134439958135,549.13822843632181,565.35636287627995]
[79,13.930058488140162,551.42630438813978,565.35636287627995]
[80,11.632448886522866,553.72391398975708,565.35636287627995]
[81,9.3252659115655661,556.03109696471438,565.35636287627995]
[82,7.0084696742126198,558.34789320206733,565.35636287627995]
[83,4.6820201192040258,560.67434275707592,565.35636287627995]
[84,2.345877024382844,563.0104858518971,565.35636287627995]
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[129,{"$f":"-CUMIPMT($G$4,12*$C$5,$C$3,$A137,$A137,0)","v":{"$error":"#NUM!"}},{"$f":"-CUMPRINC($G$4,$C$5*12,$C$3,$A137,$A137,0)","v":{"$error":"#NUM!"}},{"$f":"SUM(B137:C137)","v":{"$error":"#NUM!"}}]
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["Capitalisation semestrielle"]
[]
["Montant emprunté ($)",null,{"$f":"Emprunt!D4","v":40000},null,null,"Taux effectif","Taux périodique (paiements mensuels)"]
["Taux d'intérêt (%)",null,5,null,null,{"$f":"((1+C4/100/2)^2)-1","v":5.062499999999992E-2},{"$f":"(1+F4)^(1/12)-1","v":4.1239154651442345E-3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Au Canada, les taux hypothécaires affichés sont annuels, mais on les capitalise par semestre. Cela signifie que le taux nominal qu’on vous présente n’est pas le taux que vous payez réellement. Celui-ci en vient à être légèrement plus élevé."]
["Amortissement* (années)",null,{"$f":"Emprunt!D6","v":7}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prenons l’exemple d’un taux annuel fixe de 3 %. Nous commençons par trouver le taux annuel réel pour ensuite déterminer le taux périodique, c’est-à-dire celui qui s’applique sur vos versements."]
[]
["Mois","Intérêts","Capital","Mensualités","Annuités",null,null,"An 1",1,2,3,4,5,6,7,8,9,10,11,12,null,"Puisque la capitalisation est biannuelle, on en vient à trouver le taux périodique en utilisant les formules suivantes :"]
[1,{"$f":"-CUMIPMT($G$4,$C$5*12,$C$3,$A9,$A9,0)","v":164.95661860576945},{"$f":"-CUMPRINC($G$4,$C$5*12,$C$3,$A9,$A9,0)","v":399.43601804301636},{"$f":"SUM(B9:C9)","v":564.39263664878581},{"$f":"SUM(D9:D20)","v":6772.7116397854297},null,null,"An 2",13,14,15,16,17,18,19,20,21,22,23,24]
[2,163.30937823362621,401.08325841515961,564.39263664878581,null,null,null,"An 3",25,26,27,28,29,30,31,32,33,34,35,36,null,"Taux annuel affiché / Nombre de périodes de capitalisation"]
[3,161.65534478143746,402.73729186734835,564.39263664878581,null,null,null,"An 4",37,38,39,40,41,42,43,44,45,46,47,48]
[4,159.99449023511545,404.39814641367036,564.39263664878581,null,null,null,"An 5",49,50,51,52,53,54,55,56,57,58,59,60,null,"Pour notre exemple on obtient : 3 % / 2 = 1,5 %"]
[5,158.32678646504445,406.06585018374136,564.39263664878581,null,null,null,"An 6",61,62,63,64,65,66,67,68,69,70,71,72]
[6,156.6522052256048,407.74043142318101,564.39263664878581,null,null,null,"An 7",73,74,75,76,77,78,79,80,81,82,83,84,null,"De par la capitalisation, on arrive à ce taux nouveau annuel : (1 + Taux par période de capitalisation)Nombre de périodes de cap.  - 1 = Taux annuel réel"]
[7,154.97071815469411,409.4219184940917,564.39263664878581,null,null,null,"An 8",85,86,87,88,89,90,91,92,93,94,95,96]
[8,153.28229677324731,411.1103398755385,564.39263664878581,null,null,null,"An 9",97,98,99,100,101,102,103,104,105,106,107,108,null,"Notre exemple nous donne : (1 + 1,5 %) 2 - 1 = 3,0225 %"]
[9,151.58691248475395,412.80572416403186,564.39263664878581,null,null,null,"An 10",109,110,111,112,113,114,115,116,117,118,119,120]
[10,149.88453657477379,414.50810007401202,564.39263664878581,null,null,null,"An 11",121,122,123,124,125,126,127,128,129,130,131,132,null,"Puisque les paiements s’effectuent sur une base mensuelle (12 fois par année), bimensuelle (24 fois par année) ou aux deux semaines (26 fois par année), on doit ajuster le tout en fonction de la périodicité."]
[11,148.17514021045099,416.21749643833482,564.39263664878581,null,null,null,"An 12",133,134,135,136,137,138,139,140,141,142,143,144]
[12,146.4586944400254,417.93394220876041,564.39263664878581,null,null,null,"An 13",145,146,147,148,149,150,151,152,153,154,155,156,null,"Si les paiements sont mensuels, on obtient ainsi ce taux périodique : (1 + 3,0225 %) 1/12 -1 = 0,248452 %"]
[13,144.73517019234197,419.65746645644384,564.39263664878581,{"$f":"SUM(D21:D32)","v":6772.7116397854297},null,null,"An 14",157,158,159,160,161,162,163,164,165,166,167,168]
[14,143.00453827635897,421.38809837242684,564.39263664878581,null,null,null,"An 15",169,170,171,172,173,174,175,176,177,178,179,180,null,"Jusqu’à l’échéance du terme de l’hypothèque, chacun de vos paiements sert à payer en intérêts 0,248452 % du solde. Le restant sera alloué à la diminution du capital (le montant du prêt)."]
[15,141.26676938065322,423.12586726813259,564.39263664878581,null,null,null,"An 16",181,182,183,184,185,186,187,188,189,190,191,192]
[16,139.52183407292358,424.87080257586223,564.39263664878581,null,null,null,"An 17",193,194,195,196,197,198,199,200,201,202,203,204,null,"Plus vous avancez dans le remboursement de votre hypothèque, plus la portion de votre versement allouée aux intérêts diminue, tandis que celle allouée au capital augmente. En effectuant un versement supplémentaire à votre paiement régulier, le capital diminue. Cela a pour effet de réduire la portion allouée aux intérêts lors de la prochaine période. Assurez-vous de respecter les modalités de votre contrat hypothécaire en matière de remboursement en capital. Cela explique pourquoi une période d’amortissement de plus courte durée peut vous faire économiser beaucoup en frais d’intérêts."]
[17,137.76970279949273,426.62293384929308,564.39263664878581,null,null,null,"An 18",205,206,207,208,209,210,211,212,213,214,215,216]
[18,136.01034588480644,428.38229076397937,564.39263664878581,null,null,null,"An 19",217,218,219,220,221,222,223,224,225,226,227,228]
[19,134.24373353093091,430.1489031178549,564.39263664878581,null,null,null,"An 20",229,230,231,232,233,234,235,236,237,238,239,240]
[20,132.46983581704842,431.92280083173739,564.39263664878581,null,null,null,"An 21",241,242,243,244,245,246,247,248,249,250,251,252]
[21,130.68862269894998,433.70401394983583,564.39263664878581,null,null,null,"An 22",253,254,255,256,257,258,259,260,261,262,263,264]
[22,128.90006400852712,435.49257264025869,564.39263664878581,null,null,null,"An 23",265,266,267,268,269,270,271,272,273,274,275,276]
[23,127.1041294532605,437.28850719552531,564.39263664878581,null,null,null,"An 24",277,278,279,280,281,282,283,284,285,286,287,288]
[24,125.30078861570706,439.09184803307875,564.39263664878581,null,null,null,"An 25",289,290,291,292,293,294,295,296,297,298,299,300]
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[29,116.17191677337246,448.22071987541335,564.39263664878581]
[30,114.32349241488021,450.0691442339056,564.39263664878581]
[31,112.46744531058977,451.92519133819604,564.39263664878581]
[32,110.60374402494193,453.78889262384388,564.39263664878581]
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