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<calculator>
  <vos>
    <this>
      <InterestRate default="4.50" />
    </this>
    <common>
    </common>
    <whereCanIBuy>
      <State index="0" />
      
      <FHOGAmount type="num" default="30000" min="1000" max="2000000" step="1000" />
      <Deposit type="num" max="1000000" default="1000" min="1000" step="1000" />
      <PropertyValue type="num" default="30000" min="1000" max="2000000" step="1000" />
      <FHOGEligible value="False" />
      <PropertyType value="House" />
      <FHOGAmountForm label="Loan Amount" />
      <DepositForm label="Deposit Available" />
      <PropertyValueForm label="Property Value" />
      <PropertyTypeForm label="Property Type" />
      <FHOGEligibleForm label="First Home Owners Grant" />
      <StateForm label="State" />
      <RegionForm label="Region" />
      <LoanAmountRanges value="0,1000000,2000000,5000000,2000000" />
      <LoanAmountValues value="10000,50000,200000,500000" />
      <LoanAmountInputMax value="10000000" />
    </whereCanIBuy>
    <borrowingPower>
      <RoundTo type="num" default="1000" min="100" max="1000" />
      <RoundAbove type="num" default="1000" min="100" max="10000" />
      <LoanAmount type="num" default="300000" min="0" max="10000000" step="1000" />
      <LowestLoan type="num" default="1000" min="100" />
      <LoanTerm type="num" default="25" min="3" max="40" step="1" />
      <NoOfDependants type="num" max="10" default="0" min="0" step="10" />
      <Salary1 type="num" default="4000" min="0" max="5000000" step="100" />
      <Salary2 type="num" max="5000000" step="100" default="1000" min="0" />
      <Assumption1 type="num" default="100" max="100" min="0" step="0.25" />
      <DependantExpense type="num" default="6507.00" max="1000000" min="0.0" step="1" />
      <Assumption3 type="num" default="2.5" max="8" min="0.0" step="0.25" />
      <Assumption4 type="num" default="22" min="0.0" max="22" step="0.25" />
      <OtherNetIncome default="1000" min="0" max="5000000" step="100" />
      <OtherLoanRepayment default="0" min="0" max="10000" step="100" />
      <CreditCardLimit default="15000" min="0" max="100000" step="1000" />
      <IsJointApplication value="Yes" />
      <OtherNetIncomeFreq type="list" selectedindex="2">Weekly,Fortnightly,Monthly,Annually</OtherNetIncomeFreq>
      <OtherRepaymentFreq type="list" selectedindex="2">Weekly,Fortnightly,Monthly,Annually</OtherRepaymentFreq>
      <InterestRateForm label="Interest Rate" />
      <LoanTermForm label="Loan Period" />
      <NoOfDependantsForm label="Number of Dependents" />
      <Salary1Form label="Your Net Income" />
      <Salary2Form label="Partner's Net Income" />
      <OtherNetIncomeForm label="Other Net Income" />
      <OtherLoanRepaymentForm label="Loan Repayments" />
      <CreditCardLimitForm label="Credit Card Limit (all cards)" />
      <Assumption1Form label="Max % of Available Income" />
      <Assumption2Form label="Annual Expenses" />
      <DependantExpenseForm label="Extra Dependent Annual Expense" />
      <Assumption3Form label="Interest Rate Buffer" />
      <Assumption4Form label="Credit Card Interest Rate Charged" />
      <IsJointApplicationForm label="Joint Application?" />
      <UserSalaryRangeWeekly min="0" max="10000" />
      <UserSalaryRangeFortnightly min="0" max="20000" />
      <UserSalaryRangeMonthly min="0" max="50000" />
      <UserSalaryRangeAnnually min="0" max="500000" />
      <PartnerSalaryRangeWeekly min="0" max="10000" />
      <PartnerSalaryRangeFortnightly min="0" max="20000" />
      <PartnerSalaryRangeMonthly min="0" max="50000" />
      <PartnerSalaryRangeAnnually min="0" max="500000" />
      <OtherNetIncomeRangeWeekly min="0" max="10000" />
      <OtherNetIncomeRangeFortnightly min="0" max="20000" />
      <OtherNetIncomeRangeMonthly min="0" max="50000" />
      <OtherNetIncomeRangeAnnually min="0" max="500000" />
      <IncomeStepRanges value="0,10000,30000,50000" />
      <IncomeStepValues value="100,1000,5000" />
      <IncomeInputMaxValue value="5000000" />
      <InterestRate type="num" default="4.50" max="20" min="0" step="0.25" />
      <AssumptionAnnualExpenses min="0" max="1000000" step="1000" />
      <Assumption2 type="num" min="0.0" max="1000000" step="1000" />
      
    </borrowingPower>
    
  </vos>
</calculator>

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