\u064a\u064f\u0645\u0643\u0646 \u0623\u0646 \u064a\u064f\u062d\u062f\u062f \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u0647\u0644\u064a\u062a\u0643 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636\u060c \u0623\u0648 \u0627\u0633\u062a\u0626\u062c\u0627\u0631 \u0634\u0642\u0629\u060c \u0623\u0648 \u062d\u062a\u0649 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0648\u0638\u0627\u0626\u0641 \u0645\u064f\u0639\u064a\u0646\u0629. \u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u0624\u062b\u0631\u0629 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0631\u0642\u0645 \u0627\u0644\u0645\u0643\u0648\u0646 \u0645\u0646 \u062b\u0644\u0627\u062b\u0629 \u0623\u0631\u0642\u0627\u0645 \u062a\u064f\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u062a\u064f\u0645\u0643\u0651\u0646\u0643 \u0645\u0646 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0623\u0643\u062b\u0631 \u0630\u0643\u0627\u0621\u064b.<\/p>\n
\u064a\u064f\u0638\u0647\u0631 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u062f\u0649 \u0645\u0648\u062b\u0648\u0642\u064a\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0648\u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u062e\u0645\u0633\u0629 \u0639\u0648\u0627\u0645\u0644 \u0631\u0626\u064a\u0633\u064a\u0629: \u0633\u062c\u0644 \u0627\u0644\u0633\u062f\u0627\u062f (35%)\u060c \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (30%)\u060c \u0645\u062f\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (15%)\u060c \u062a\u0646\u0648\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (10%)\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 (10%). \u064a\u064f\u0633\u0627\u0639\u062f \u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f\u060c \u0648\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0623\u0631\u0635\u062f\u0629 \u0645\u0646\u062e\u0641\u0636\u0629\u060c \u0648\u062a\u0646\u0648\u064a\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0644\u0649 \u0628\u0646\u0627\u0621 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0642\u0648\u064a. \u0631\u0627\u062c\u0639 \u062a\u0642\u0627\u0631\u064a\u0631\u0643 \u0628\u0627\u0646\u062a\u0638\u0627\u0645\u060c \u0648\u0623\u062f\u0631 \u062f\u064a\u0648\u0646\u0643 \u0628\u0630\u0643\u0627\u0621\u060c \u0648\u0627\u062a\u062e\u0630 \u062e\u0637\u0648\u0627\u062a \u0635\u063a\u064a\u0631\u0629 \u0645\u062a\u0648\u0627\u0635\u0644\u0629 \u0644\u062a\u0639\u0632\u064a\u0632 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n
\u064a\u062a\u0631\u0627\u0648\u062d \u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u064a\u0646 300 \u0648850\u060c \u0648\u0647\u0648 \u064a\u0639\u0643\u0633 \u062c\u062f\u0627\u0631\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629. \u064a\u0633\u062a\u062e\u062f\u0645\u0647 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0644\u062a\u062d\u062f\u064a\u062f \u0645\u062f\u0649 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0633\u062f\u0627\u062f\u0643 \u0644\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u0629. \u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639 \u0627\u0644\u062a\u0635\u0646\u064a\u0641\u060c \u062a\u062d\u0633\u0646\u062a \u0634\u0631\u0648\u0637 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u0631\u0647\u0648\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629.<\/p>\n
\u0644\u0643\u0646\u0651 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u062c\u0631\u062f \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636. \u0625\u0630 \u064a\u062a\u062d\u0642\u0642 \u0645\u0646\u0647 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0644\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0623\u062c\u064a\u0631\u060c \u0648\u062a\u0633\u062a\u062e\u062f\u0645\u0647 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u062a\u062d\u062f\u064a\u062f \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0643\u0645\u0627 \u064a\u0631\u0627\u062c\u0639\u0647 \u0628\u0639\u0636 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0639\u0645\u0644 \u0644\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0645\u0627\u0644\u064a\u0629.<\/p>\n
\u0627\u0639\u062a\u0628\u0631 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643 \u0628\u0645\u062b\u0627\u0628\u0629 \u0633\u0645\u0639\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0641\u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u062c\u064a\u062f\u0629 \u062a\u0641\u062a\u062d \u0644\u0643 \u0623\u0628\u0648\u0627\u0628\u064b\u0627 \u0644\u0641\u0631\u0635 \u0623\u0641\u0636\u0644\u060c \u0633\u0648\u0627\u0621 \u0643\u0646\u062a \u062a\u0634\u062a\u0631\u064a \u0645\u0646\u0632\u0644\u064b\u0627\u060c \u0623\u0648 \u062a\u0645\u0648\u0651\u0644 \u0633\u064a\u0627\u0631\u0629\u060c \u0623\u0648 \u062a\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u062a\u062c\u0627\u0631\u064a. \u0625\u0646\u0647\u0627 \u062a\u0644\u0639\u0628 \u062f\u0648\u0631\u064b\u0627 \u0631\u0626\u064a\u0633\u064a\u064b\u0627 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u0634\u0631\u0643\u0629 Equifax\u060c \u0641\u0625\u0646 \u0646\u0645\u0648\u0630\u062c FICO \u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u064a\u0648\u0644\u064a \u0648\u0632\u0646\u064b\u0627 \u0631\u0633\u0645\u064a\u064b\u0627 \u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0633\u062f\u0627\u062f. 35%<\/b>\u060c \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 (\u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645) \u0628\u0646\u0633\u0628\u0629 30%\u060c \u0648\u0627\u0644\u0641\u0626\u0627\u062a \u0627\u0644\u062b\u0644\u0627\u062b \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 (\u0627\u0644\u0645\u062f\u0629\u060c \u0648\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u060c \u0648\u0627\u0644\u0645\u0632\u064a\u062c) \u0628\u0646\u0633\u0628\u0629 15% \u0623\u0648 10% \u0644\u0643\u0644 \u0645\u0646\u0647\u0627. \u0639\u0644\u0627\u0648\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u0623\u0641\u0627\u062f\u062a \u0634\u0631\u0643\u0629 FICO \u0623\u0646 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u062f\u0631\u062c\u0629 FICO \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0648\u0637\u0646\u064a \u0643\u0627\u0646 717<\/b> \u0641\u064a \u0623\u0628\u0631\u064a\u0644 2024. (\u0627\u0644\u0645\u0631\u0627\u062c\u0639: \u0625\u064a\u0643\u0648\u064a\u0641\u0627\u0643\u0633<\/a>, \u0641\u064a\u0643\u0648<\/a>)<\/p>\n \u064a\u064f\u0634\u0643\u0651\u0644 \u0633\u062c\u0644\u0651 \u0627\u0644\u062f\u0641\u0639\u0627\u062a 35% \u0645\u0646 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647 \u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0623\u0647\u0645. \u064a\u0631\u063a\u0628 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0641\u064a \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0627\u0644\u062a\u0632\u0627\u0645\u0643 \u0628\u0633\u062f\u0627\u062f \u0641\u0648\u0627\u062a\u064a\u0631\u0643 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f. \u0643\u0644 \u062f\u0641\u0639\u0629 \u0641\u064a \u0645\u0648\u0639\u062f\u0647\u0627 \u062a\u064f\u0639\u0632\u0651\u0632 \u0627\u0644\u062b\u0642\u0629 \u0648\u062a\u064f\u0638\u0647\u0631 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0639\u0646\u062f\u0645\u0627 \u062a\u0633\u062f\u062f \u0641\u0627\u062a\u0648\u0631\u0629 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0648 \u0642\u0631\u0636 \u0633\u064a\u0627\u0631\u062a\u0643 \u0623\u0648 \u0642\u0631\u0636\u0643 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642\u060c \u062a\u064f\u0633\u062c\u0651\u0644 \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0630\u0644\u0643. \u062a\u062a\u0631\u0627\u0643\u0645 \u0647\u0630\u0647 \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0629 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a\u060c \u0645\u0645\u0627 \u064a\u064f\u062d\u0633\u0651\u0646 \u0645\u0644\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u062d\u062a\u0649 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629\u060c \u0645\u062b\u0644 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u062a\u062c\u0631 \u0646\u0627\u062f\u0631\u0627\u064b \u0645\u0627 \u062a\u0633\u062a\u062e\u062f\u0645\u0647\u0627\u060c \u062a\u064f\u0633\u0627\u0647\u0645 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0637 \u0639\u0646\u062f \u0625\u062f\u0627\u0631\u062a\u0647\u0627 \u0628\u0645\u0633\u0624\u0648\u0644\u064a\u0629.<\/p>\n \u062a\u0643\u0645\u0646 \u0631\u0648\u0639\u0629 \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0641\u064a \u0628\u0633\u0627\u0637\u062a\u0647. \u0644\u0633\u062a\u064e \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0641\u0647\u0645 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0639\u0642\u062f\u0629. \u0645\u0627 \u0639\u0644\u064a\u0643 \u0633\u0648\u0649 \u0633\u062f\u0627\u062f \u0645\u0627 \u0639\u0644\u064a\u0643 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f. \u064a\u064f\u0645\u0643\u0646\u0643 \u0625\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0630\u0643\u064a\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0648\u064a\u0645 \u0644\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0641\u064a \u062a\u0646\u0638\u064a\u0645 \u0623\u0645\u0648\u0631\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0648\u0628\u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629\u060c \u0644\u0646 \u062a\u064f\u0636\u0637\u0631 \u0625\u0644\u0649 \u0627\u0644\u0642\u0644\u0642 \u0628\u0634\u0623\u0646 \u062a\u0630\u0643\u0651\u0631 \u0645\u0648\u0627\u0639\u064a\u062f \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.<\/p>\n \u0642\u062f \u064a\u0624\u062f\u064a \u062a\u0623\u062e\u064a\u0631 \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629 \u0625\u0644\u0649 \u062e\u0641\u0636 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643 \u0628\u0645\u0642\u062f\u0627\u0631 50 \u0625\u0644\u0649 100 \u0646\u0642\u0637\u0629. \u0648\u064a\u062e\u062a\u0644\u0641 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0628\u0627\u062e\u062a\u0644\u0627\u0641 \u0645\u0644\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0639\u0627\u0645. \u0648\u064a\u0643\u0648\u0646 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0623\u0634\u062f \u0648\u0637\u0623\u0629 \u0639\u0644\u0649 \u0645\u0646 \u0643\u0627\u0646\u062a \u0644\u062f\u064a\u0647\u0645 \u062f\u0631\u062c\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0639\u0627\u0644\u064a\u0629 \u0633\u0627\u0628\u0642\u064b\u0627\u060c \u0644\u0623\u0646\u0647\u0645 \u0633\u064a\u062e\u0633\u0631\u0648\u0646 \u0627\u0644\u0643\u062b\u064a\u0631.<\/p>\n \u062a\u0628\u0642\u0649 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062a\u0623\u062e\u0631\u0629 \u0645\u0633\u062c\u0644\u0629 \u0641\u064a \u062a\u0642\u0631\u064a\u0631\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0645\u062f\u0629 \u0633\u0628\u0639 \u0633\u0646\u0648\u0627\u062a\u060c \u0645\u0639 \u0623\u0646 \u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u064a\u062a\u0636\u0627\u0621\u0644 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a. \u064a\u0624\u062b\u0631 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f \u0645\u0624\u062e\u0631\u064b\u0627 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u062a\u0623\u062e\u0631 \u0642\u0628\u0644 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a. \u0625\u0630\u0627 \u062a\u0623\u062e\u0631\u062a \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f \u0644\u0645\u062f\u0629 30 \u064a\u0648\u0645\u064b\u0627 \u0623\u0648 \u0623\u0643\u062b\u0631\u060c \u064a\u0642\u0648\u0645 \u0627\u0644\u062f\u0627\u0626\u0646\u0648\u0646 \u0639\u0627\u062f\u0629\u064b \u0628\u0625\u0628\u0644\u0627\u063a \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0630\u0644\u0643. \u0648\u0639\u0646\u062f \u0627\u0644\u062a\u0623\u062e\u0631 \u0644\u0645\u062f\u0629 60 \u0623\u0648 90 \u064a\u0648\u0645\u064b\u0627\u060c \u064a\u062a\u0641\u0627\u0642\u0645 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0633\u0644\u0628\u064a.<\/p>\n \u0645\u062a\u0623\u062e\u0631 30 \u064a\u0648\u0645\u064b\u0627<\/strong>\u062a\u0645 \u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0639\u0646 \u0630\u0644\u0643 \u0625\u0644\u0649 \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0645\u0645\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0641\u0648\u0631\u064a \u0641\u064a \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n<\/li>\n \u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0645\u0648\u0627\u0639\u064a\u062f \u0645\u0646 60 \u0625\u0644\u0649 90 \u064a\u0648\u0645\u0627\u064b<\/strong>: \u062a\u0636\u0631\u0631 \u0627\u0644\u0646\u0642\u0627\u0637 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631\u060c \u0648\u0625\u0634\u0639\u0627\u0631\u0627\u062a \u062a\u062d\u0635\u064a\u0644 \u0645\u062d\u062a\u0645\u0644\u0629<\/p>\n<\/li>\n \u0645\u062a\u0623\u062e\u0631 \u0644\u0623\u0643\u062b\u0631 \u0645\u0646 120 \u064a\u0648\u0645\u064b\u0627<\/strong>\u062e\u0637\u0631 \u0627\u0644\u0634\u0637\u0628\u060c \u0648\u0623\u0636\u0631\u0627\u0631 \u062c\u0633\u064a\u0645\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644<\/p>\n<\/li>\n<\/ul>\n \u0625\u0630\u0627 \u0627\u0643\u062a\u0634\u0641\u062a\u064e \u0623\u0646\u0643 \u062a\u0623\u062e\u0631\u062a\u064e \u0639\u0646 \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0629\u060c \u0641\u0627\u062a\u0635\u0644 \u0628\u062f\u0627\u0626\u0646\u0643 \u0641\u0648\u0631\u064b\u0627. \u0642\u062f \u064a\u062a\u0646\u0627\u0632\u0644 \u0628\u0639\u0636 \u0627\u0644\u062f\u0627\u0626\u0646\u064a\u0646 \u0639\u0646 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0623\u0648 \u0644\u0627 \u064a\u064f\u0628\u0644\u063a\u0648\u0646 \u0639\u0646\u0647\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0647\u0630\u0647 \u0647\u064a \u0627\u0644\u0645\u0631\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0627\u0644\u062a\u064a \u062a\u062a\u0623\u062e\u0631 \u0641\u064a\u0647\u0627 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0642\u0645\u062a\u064e \u0628\u0627\u0644\u0633\u062f\u0627\u062f \u0633\u0631\u064a\u0639\u064b\u0627. \u064a\u0633\u062a\u063a\u0631\u0642 \u062a\u062d\u0633\u064a\u0646 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0639\u062f \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0642\u062a\u064b\u0627\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0646\u062a\u0638\u0645 \u0648\u0641\u064a \u0627\u0644\u0645\u0648\u0639\u062f \u0627\u0644\u0645\u062d\u062f\u062f \u064a\u064f\u062d\u0633\u0651\u0646 \u0645\u0646 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0648\u0641\u0642\u064b\u0627 \u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643 (CFPB)\u060c \u064a\u0645\u0643\u0646 \u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0639\u0646 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0644\u0628\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0644\u0645\u062f\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 \u0633\u0628\u0639 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u062a\u0623\u062e\u0631 \u0627\u0644\u0623\u0635\u0644\u064a. \u0645\u0643\u062a\u0628 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643<\/a><\/p>\n \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0647\u064a \u0646\u0633\u0628\u0629 \u0623\u0631\u0635\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0625\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u062d\u062f\u0648\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0643. \u0648\u0647\u064a \u062a\u0634\u0643\u0644 30% \u0645\u0646 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643. \u0644\u062d\u0633\u0627\u0628\u0647\u0627\u060c \u0642\u0633\u0651\u0645 \u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0631\u0635\u062f\u062a\u0643 \u0639\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u062d\u062f\u0648\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0643\u060c \u062b\u0645 \u0627\u0636\u0631\u0628 \u0627\u0644\u0646\u0627\u062a\u062c \u0641\u064a 100 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629.<\/p>\n \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0628\u0637\u0627\u0642\u062a\u0627\u0646 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u062a\u0627\u0646 \u0628\u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0642\u062f\u0631\u0647 10,000 \u062f\u0648\u0644\u0627\u0631 \u0648\u0631\u0635\u064a\u062f \u0642\u062f\u0631\u0647 3,000 \u062f\u0648\u0644\u0627\u0631\u060c \u0641\u0625\u0646 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u062a\u0628\u0644\u063a 30%. \u0648\u062a\u0639\u062a\u0628\u0631 \u0646\u0645\u0627\u0630\u062c \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0645\u0624\u0634\u0631\u0627\u064b \u0639\u0644\u0649 \u0645\u062f\u0649 \u0643\u0641\u0627\u0621\u062a\u0643 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n \u064a\u0646\u0635\u062d \u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0642\u0644 \u0645\u0646 30%. \u0648\u062a\u0631\u062a\u0641\u0639 \u062f\u0631\u062c\u0627\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631 \u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0627\u0644\u0646\u0633\u0628\u0629 \u0623\u0642\u0644 \u0645\u0646 10%. \u0642\u062f \u062a\u0634\u064a\u0631 \u0646\u0633\u0628\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629 \u0625\u0644\u0649 \u0623\u0646\u0643 \u0645\u062b\u0642\u0644 \u0628\u0627\u0644\u062f\u064a\u0648\u0646\u060c \u062d\u062a\u0649 \u0644\u0648 \u0643\u0646\u062a \u062a\u0633\u062f\u062f \u0641\u0648\u0627\u062a\u064a\u0631\u0643 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f.<\/p>\n \u064a\u0624\u062b\u0631 \u0645\u0639\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0644\u0649 \u062a\u0642\u064a\u064a\u0645\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0637\u0631\u064a\u0642\u062a\u064a\u0646: \u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c \u0648\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0643\u0644 \u0628\u0637\u0627\u0642\u0629 \u0639\u0644\u0649 \u062d\u062f\u0629. \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0639\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0645\u0646\u062e\u0641\u0636\u064b\u0627\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0643\u0648\u0646 \u0645\u0631\u062a\u0641\u0639\u064b\u0627 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u0642\u0637\u060c \u0648\u0645\u0639 \u0630\u0644\u0643 \u0642\u062f \u064a\u0624\u062f\u064a \u0630\u0644\u0643 \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u062a\u0642\u064a\u064a\u0645\u0643. \u0644\u062a\u062d\u0633\u064a\u0646 \u0647\u0630\u0627 \u0627\u0644\u0639\u0627\u0645\u0644\u060c \u0648\u0632\u0651\u0639 \u0623\u0631\u0635\u062f\u062a\u0643 \u0639\u0644\u0649 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u0623\u0648 \u0633\u062f\u0651\u062f \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629.<\/p>\n \u0642\u0645 \u0628\u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0642\u0628\u0644 \u062a\u0627\u0631\u064a\u062e \u0625\u063a\u0644\u0627\u0642 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628 \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u064f\u0628\u0644\u063a \u0639\u0646\u0647<\/p>\n<\/li>\n \u0627\u0637\u0644\u0628 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062d\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u062a\u062d\u0633\u064a\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 (\u062f\u0648\u0646 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0625\u0646\u0641\u0627\u0642)<\/p>\n<\/li>\n \u0627\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0645\u0641\u062a\u0648\u062d\u0629 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0631\u0635\u064a\u062f \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0639\u0644\u0649 \u0645\u062a\u0627\u062d.<\/p>\n<\/li>\n \u062a\u062c\u0646\u0628 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u062d\u062a\u0649 \u0644\u0648 \u0643\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u0633\u062f\u0627\u062f\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631.<\/p>\n<\/li>\n<\/ul>\n \u064a\u0644\u062c\u0623 \u0628\u0639\u0636 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0625\u0644\u0649 \u0633\u062f\u0627\u062f \u0641\u0648\u0627\u062a\u064a\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u062f\u0629 \u0645\u0631\u0627\u062a \u0634\u0647\u0631\u064a\u064b\u0627 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u064f\u0639\u0644\u0646. \u0648\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u0642\u0628\u0644 \u062a\u0627\u0631\u064a\u062e \u0625\u063a\u0644\u0627\u0642 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628 \u0625\u0644\u0649 \u0631\u0641\u0639 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0628\u0637\u0627\u0642\u0629\u060c \u062d\u064a\u062b \u062a\u064f\u0639\u0644\u0646 \u062c\u0647\u0627\u062a \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0639\u0627\u062f\u0629\u064b \u0639\u0646 \u0631\u0635\u064a\u062f\u0643 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062a\u0627\u0631\u064a\u062e. \u0648\u0641\u0642\u064b\u0627 \u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0625\u0643\u0633\u0628\u064a\u0631\u064a\u0627\u0646\u060c \u064a\u062d\u0627\u0641\u0638 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0648\u0646 \u0641\u064a \u0646\u0637\u0627\u0642 \u0646\u0642\u0627\u0637 \u0641\u064a\u0643\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629 (800-850) \u0639\u0644\u0649 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0628\u0644\u063a 7.1\u066a \u0641\u0642\u0637\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u0645\u0628\u062f\u0623 \u0623\u0646 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062f\u0631\u062c\u0627\u062a \u0623\u0639\u0644\u0649. <\/span>\u0625\u0643\u0633\u0628\u064a\u0631\u064a\u0627\u0646<\/a><\/p>\n <\/p>\n \u064a\u064f\u0633\u0627\u0647\u0645 \u0637\u0648\u0644 \u062a\u0627\u0631\u064a\u062e\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0646\u0633\u0628\u0629 15% \u0641\u064a \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643. \u0648\u064a\u064f\u0624\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0639\u0646\u062f \u062d\u0633\u0627\u0628 \u0647\u0630\u0627 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0639\u0645\u0631 \u0623\u0642\u062f\u0645 \u062d\u0633\u0627\u0628 \u0644\u062f\u064a\u0643\u060c \u0648\u0639\u0645\u0631 \u0623\u062d\u062f\u062b \u062d\u0633\u0627\u0628\u060c \u0648\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0639\u0645\u0631 \u062c\u0645\u064a\u0639 \u062d\u0633\u0627\u0628\u0627\u062a\u0643. \u0641\u0643\u0644\u0645\u0627 \u0643\u0627\u0646 \u062a\u0627\u0631\u064a\u062e\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u0637\u0648\u0644\u060c \u0632\u0627\u062f\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u064f\u062a\u064a\u062d \u0644\u0644\u0645\u0642\u0631\u0636\u064a\u0646 \u062a\u0642\u064a\u064a\u0645 \u0633\u0644\u0648\u0643\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a.<\/p>\n \u064a\u0628\u062f\u0623 \u0627\u062d\u062a\u0633\u0627\u0628 \u0645\u062f\u0629 \u0635\u0644\u0627\u062d\u064a\u0629 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0623\u0648\u0644. \u0643\u0644 \u0634\u0647\u0631 \u064a\u0645\u0631 \u064a\u064f\u0639\u0632\u0632 \u0647\u0630\u0627 \u0627\u0644\u062c\u0627\u0646\u0628 \u0645\u0646 \u062a\u0642\u064a\u064a\u0645\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0648\u0628\u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u062d\u0627\u0644\u060c \u064a\u062a\u0645\u062a\u0639 \u0645\u0646 \u0644\u062f\u064a\u0647 \u0639\u0634\u0631 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0645\u064a\u0632\u0629 \u0639\u0644\u0649 \u0645\u0646 \u0644\u062f\u064a\u0647 \u0633\u0646\u062a\u0627\u0646 \u0641\u0642\u0637\u060c \u0628\u0627\u0641\u062a\u0631\u0627\u0636 \u062a\u0633\u0627\u0648\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0623\u062e\u0631\u0649.<\/p>\n \u062a\u062c\u0646\u0628 \u0625\u063a\u0644\u0627\u0642 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0642\u062f\u064a\u0645\u0629\u060c \u062d\u062a\u0649 \u0644\u0648 \u0644\u0645 \u062a\u0643\u0646 \u062a\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0628\u0627\u0646\u062a\u0638\u0627\u0645. \u0641\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628 \u064a\u064f\u0632\u064a\u0644 \u0633\u062c\u0644\u0647 \u0645\u0646 \u062d\u0633\u0627\u0628 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0639\u0645\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u064f\u062e\u0641\u0636 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0644\u062f\u064a\u0643 \u0628\u0637\u0627\u0642\u0629 \u0642\u062f\u064a\u0645\u0629 \u0628\u062f\u0648\u0646 \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629\u060c \u0627\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u0634\u0631\u0627\u0621 \u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u062d\u064a\u0646 \u0644\u0622\u062e\u0631\u060c \u0648\u0633\u062f\u062f\u0647\u0627 \u0641\u0648\u0631\u064b\u0627. \u0643\u0645\u0627 \u0623\u0646 \u0625\u0636\u0627\u0641\u0629 \u0627\u0633\u0645\u0643 \u0643\u0645\u0633\u062a\u062e\u062f\u0645 \u0645\u064f\u0635\u0631\u0651\u062d \u0644\u0647 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 \u0634\u062e\u0635 \u0622\u062e\u0631 \u0642\u062f \u064a\u064f\u0633\u0627\u0639\u062f \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0639\u0645\u0631 \u0627\u0626\u062a\u0645\u0627\u0646\u0643. \u0641\u0625\u0630\u0627 \u0623\u0636\u0627\u0641\u0643 \u0623\u062d\u062f \u0648\u0627\u0644\u062f\u064a\u0643 \u0623\u0648 \u0632\u0648\u062c\u0643\/\u0632\u0648\u062c\u062a\u0643 \u0625\u0644\u0649 \u0623\u0642\u062f\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u062f\u064a\u0647\/\u0644\u062f\u064a\u0647\u0627\u060c \u0641\u0642\u062f \u064a\u0638\u0647\u0631 \u0633\u062c\u0644 \u0630\u0644\u0643 \u0627\u0644\u062d\u0633\u0627\u0628 \u0641\u064a \u062a\u0642\u0631\u064a\u0631\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0641\u0642\u0637 \u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u062f\u064a\u0647 \u0633\u062c\u0644 \u0633\u062f\u0627\u062f \u0645\u0645\u062a\u0627\u0632 \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0646\u062e\u0641\u0636.<\/p>\n \u064a\u064f\u0639\u062f\u0651 \u0628\u062f\u0621 \u0631\u062d\u0644\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0628\u0643\u0631\u0627\u064b \u0623\u0645\u0631\u0627\u064b \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629. \u0641\u0627\u0644\u0634\u0628\u0627\u0628 \u0627\u0644\u0630\u064a\u0646 \u064a\u062d\u0635\u0644\u0648\u0646 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0637\u0644\u0627\u0628\u064a\u0629 \u0623\u0648 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0636\u0645\u0648\u0646\u0629 \u0641\u064a \u0623\u0648\u0627\u062e\u0631 \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u0647\u0642\u0629 \u0623\u0648 \u0623\u0648\u0627\u0626\u0644 \u0627\u0644\u0639\u0634\u0631\u064a\u0646\u0627\u062a \u0645\u0646 \u0639\u0645\u0631\u0647\u0645 \u064a\u062d\u0638\u0648\u0646 \u0628\u0645\u064a\u0632\u0629 \u0643\u0628\u064a\u0631\u0629. \u0641\u0639\u0646\u062f\u0645\u0627 \u064a\u0643\u0648\u0646\u0648\u0646 \u0645\u0633\u062a\u0639\u062f\u064a\u0646 \u0644\u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644 \u0623\u0648 \u062a\u0645\u0648\u064a\u0644 \u0633\u064a\u0627\u0631\u0629\u060c \u0633\u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0647\u0645 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u062a\u064f\u0633\u0627\u0639\u062f\u0647\u0645 \u0641\u064a \u0630\u0644\u0643.<\/p>\n \u064a\u0645\u062b\u0644 \u062a\u0646\u0648\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 10% \u0645\u0646 \u0645\u062c\u0645\u0648\u0639 \u0646\u0642\u0627\u0637\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629. \u0648\u064a\u0641\u0636\u0644 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0623\u0646 \u064a\u0631\u0648\u0627 \u0623\u0646\u0643 \u0642\u0627\u062f\u0631 \u0639\u0644\u0649 \u0625\u062f\u0627\u0631\u0629 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0628\u0645\u0633\u0624\u0648\u0644\u064a\u0629.<\/p>\n \u0647\u0646\u0627\u0643 \u0646\u0648\u0639\u0627\u0646 \u0631\u0626\u064a\u0633\u064a\u0627\u0646 \u0645\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646:<\/strong><\/p>\n \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u062c\u062f\u062f<\/strong>\u0648\u0647\u0630\u0627 \u064a\u0634\u0645\u0644 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u062e\u0637\u0648\u0637 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n<\/li>\n \u0627\u0644\u062a\u0642\u0633\u064a\u0637<\/strong>\u0648\u0647\u0630\u0627 \u064a\u0634\u0645\u0644 \u0627\u0644\u0631\u0647\u0648\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629\u060c \u0648\u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0648\u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628\u060c \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629.<\/p>\n<\/li>\n<\/ul>\n \u0642\u062f \u064a\u062d\u0635\u0644 \u0634\u062e\u0635 \u064a\u0645\u062a\u0644\u0643 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u0642\u0637 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u0642\u0644 \u0642\u0644\u064a\u0644\u0627\u064b \u0645\u0646 \u0634\u062e\u0635 \u064a\u0645\u062a\u0644\u0643 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0642\u0631\u0636 \u0633\u064a\u0627\u0631\u0629\u060c \u0628\u0627\u0641\u062a\u0631\u0627\u0636 \u062a\u0633\u0627\u0648\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0623\u062e\u0631\u0649. \u0648\u064a\u064f\u0638\u0647\u0631 \u0647\u0630\u0627 \u0627\u0644\u062a\u0646\u0648\u0639 \u0645\u0631\u0648\u0646\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0647\u064a\u0627\u0643\u0644 \u0627\u0644\u062f\u0641\u0639 \u0648\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.<\/p>\n \u0644\u0633\u062a\u064e \u0628\u062d\u0627\u062c\u0629\u064d \u0625\u0644\u0649 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0648\u0636\u060c \u0648\u0644\u0633\u062a\u064e \u0628\u062d\u0627\u062c\u0629\u064d \u0625\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0633\u062c\u0644\u0651\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0647\u0630\u0627 \u0627\u0644\u0639\u0627\u0645\u0644 \u0630\u0648 \u062a\u0623\u062b\u064a\u0631\u064d \u0636\u0626\u064a\u0644\u064d \u0646\u0633\u0628\u064a\u064b\u0627 \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0633\u062c\u0644\u0651 \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646. \u0625\u0630\u0627 \u0643\u0646\u062a\u064e \u062a\u064f\u0641\u0643\u0651\u0631 \u0641\u064a \u0634\u0631\u0627\u0621\u064d \u0643\u0628\u064a\u0631\u060c \u0641\u0645\u0646 \u0627\u0644\u062c\u064a\u062f \u0623\u0646 \u062a\u0639\u0631\u0641 \u0623\u0646\u0647 \u0642\u062f \u064a\u064f\u062d\u0633\u0651\u0646 \u0633\u062c\u0644\u0651\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a.<\/p>\n \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u062c\u062f\u062f<\/strong>\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u062e\u0637\u0648\u0637 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0645\u0646\u0632\u0644<\/p>\n<\/li>\n \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637<\/strong>: \u0627\u0644\u0631\u0647\u0648\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629\u060c \u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629\u060c \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628<\/p>\n<\/li>\n<\/ul>\n \u0625\u0630\u0627 \u0643\u0646\u062a \u0644\u0627 \u062a\u0645\u0644\u0643 \u0633\u0648\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0641\u0642\u062f \u064a\u0641\u064a\u062f\u0643 \u0642\u0631\u0636 \u0634\u062e\u0635\u064a \u0635\u063a\u064a\u0631\u060c \u0625\u0630 \u064a\u064f\u0636\u064a\u0641 \u0631\u0635\u064a\u062f\u064b\u0627 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u064b\u0627 \u0625\u0644\u0649 \u0645\u0644\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0643\u0645\u0627 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0642\u0631\u0648\u0636 \u0628\u0646\u0627\u0621 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u060c \u0627\u0644\u062a\u064a \u062a\u064f\u0642\u062f\u0645\u0647\u0627 \u0628\u0639\u0636 \u0627\u0644\u0627\u062a\u062d\u0627\u062f\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u064f\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0628\u0646\u0627\u0621 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u062a\u0646\u0648\u0639 \u0648\u0633\u062c\u0644 \u0633\u062f\u0627\u062f \u0641\u064a \u0622\u0646\u064d \u0648\u0627\u062d\u062f.<\/p>\n \u064a\u0643\u0645\u0646 \u0627\u0644\u062d\u0644 \u0641\u064a \u062a\u062c\u0646\u0628 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0644\u0645\u062c\u0631\u062f \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636. \u0641\u0627\u0645\u062a\u0644\u0627\u0643 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u062c\u064a\u062f \u064a\u064f\u062d\u0633\u0651\u0646 \u0645\u0646 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u060c \u0644\u0643\u0646 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u0644\u0645\u062c\u0631\u062f \u062a\u062d\u0633\u064a\u0646\u0647 \u0642\u062f \u064a\u0636\u0631\u0643. \u0641\u0625\u0630\u0627 \u062a\u0623\u062e\u0631\u062a \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0642\u062f \u062a\u062a\u0631\u0627\u0643\u0645 \u062f\u064a\u0648\u0646\u0643.<\/p>\n \u062a\u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 10% \u0645\u0646 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643. \u0639\u0646\u062f \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0626\u062a\u0645\u0627\u0646\u060c \u064a\u0642\u0648\u0645 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0628\u0625\u062c\u0631\u0627\u0621 \u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0634\u0627\u0645\u0644 \u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u062a\u0642\u0631\u064a\u0631\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u064a\u0645\u0643\u0646 \u0644\u0643\u0644 \u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0634\u0627\u0645\u0644 \u0623\u0646 \u064a\u062e\u0641\u0636 \u062f\u0631\u062c\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0628\u0636\u0639 \u0646\u0642\u0627\u0637\u060c \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u0628\u064a\u0646 5 \u064810 \u0646\u0642\u0627\u0637.<\/p>\n \u0642\u062f \u062a\u0634\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u062f\u062f\u0629 \u0641\u064a \u0641\u062a\u0631\u0629 \u0642\u0635\u064a\u0631\u0629 \u0625\u0644\u0649 \u0636\u0627\u0626\u0642\u0629 \u0645\u0627\u0644\u064a\u0629 \u0644\u062f\u0649 \u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646. \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628\u0627\u062a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u0642\u0631\u0648\u0636 \u0645\u062a\u0639\u062f\u062f\u0629 \u0641\u064a \u0648\u0642\u062a \u0642\u0635\u064a\u0631 \u0642\u062f \u064a\u064f\u0638\u0647\u0631\u0643 \u0628\u0645\u0638\u0647\u0631 \u0627\u0644\u064a\u0627\u0626\u0633\u060c \u0648\u0643\u0623\u0646\u0643 \u0645\u0633\u062a\u0639\u062f \u0644\u062a\u062d\u0645\u0644 \u062f\u064a\u0648\u0646 \u062a\u0641\u0648\u0642 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0633\u062f\u0627\u062f. \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u0634\u0631\u0643\u0629 FICO\u060c \u0641\u0625\u0646 \u0641\u0626\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062c\u062f\u064a\u062f \u0627\u0644\u0630\u064a \u062a\u0645 \u0641\u062a\u062d\u0647 \u062a\u064f\u0645\u062b\u0644 10% \u0645\u0646 \u0645\u062c\u0645\u0648\u0639 \u0646\u0642\u0627\u0637\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.\u00a0 \u0641\u064a\u0643\u0648<\/a><\/p>\n \u0644\u0627 \u062a\u0624\u062b\u0631 \u062c\u0645\u064a\u0639 \u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0641\u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u0648 \u062a\u0644\u0642\u064a \u0639\u0631\u0648\u0636 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0645\u0633\u0628\u0642\u0629\u060c \u0644\u0627 \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u0643. \u0643\u0645\u0627 \u0623\u0646 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u062a\u064f\u062f\u0631\u0643 \u0623\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u064a\u0642\u0627\u0631\u0646\u0648\u0646 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0642\u0631\u0648\u0636. \u0641\u0625\u0630\u0627 \u0623\u062c\u0631\u064a\u062a\u064e \u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0639\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0623\u0648 \u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0623\u0648 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 14 \u064845 \u064a\u0648\u0645\u064b\u0627\u060c \u0641\u0633\u064a\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628\u0647\u0627 \u0639\u0627\u062f\u0629\u064b \u0643\u0627\u0633\u062a\u0641\u0633\u0627\u0631 \u0648\u0627\u062d\u062f.<\/p>\n \u064a\u064f\u0633\u062a\u062b\u0646\u0649 \u0645\u0646 \u0630\u0644\u0643 \u0645\u0642\u0627\u0631\u0646\u0629 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0644\u0623\u0646 \u0645\u0642\u0627\u0631\u0646\u0629 \u0639\u0631\u0648\u0636 \u0627\u0644\u0642\u0631\u0648\u0636 \u0633\u0644\u0648\u0643\u064c \u0630\u0643\u064a\u064c\u0651 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643. \u0641\u0642\u0637 \u0631\u0643\u0651\u0632 \u0639\u0644\u0649 \u0641\u062a\u0631\u0629 \u0645\u062d\u062f\u062f\u0629 \u0639\u0646\u062f \u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0642\u0631\u0636\u060c \u0648\u062a\u062c\u0646\u0651\u0628 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0639\u0644\u0649 \u0645\u062f\u0649 \u0623\u0634\u0647\u0631.<\/p>\n \u0627\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u0642\u0637 \u0639\u0646\u062f\u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0641\u0639\u0644\u0627\u064b \u0625\u0644\u0649 \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f<\/p>\n<\/li>\n \u0627\u0628\u062d\u062b \u0639\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062a\u064a \u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0624\u0647\u0644\u0627\u064b \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 \u0642\u0628\u0644 \u0627\u0644\u062a\u0642\u062f\u064a\u0645.<\/p>\n<\/li>\n \u0627\u0633\u062a\u062e\u062f\u0645 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u0623\u0647\u064a\u0644 \u0627\u0644\u0645\u0633\u0628\u0642 \u0627\u0644\u062a\u064a \u062a\u064f\u062c\u0631\u064a \u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u063a\u064a\u0631 \u0631\u0633\u0645\u064a\u0629 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629.<\/p>\n<\/li>\n \u0642\u0645 \u0628\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0639\u0644\u0649 \u0641\u062a\u0631\u0627\u062a \u0645\u062a\u0628\u0627\u0639\u062f\u0629 \u0644\u0627 \u062a\u0642\u0644 \u0639\u0646 \u0633\u062a\u0629 \u0623\u0634\u0647\u0631 \u0643\u0644\u0645\u0627 \u0623\u0645\u0643\u0646 \u0630\u0644\u0643<\/p>\n<\/li>\n<\/ul>\n \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u062e\u0637\u0648\u0629 \u0645\u0627\u0644\u064a\u0629 \u0643\u0628\u064a\u0631\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a\u060c \u0641\u0644\u0627 \u062a\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0641\u064a \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u062a\u064a \u062a\u0633\u0628\u0642 \u0630\u0644\u0643. \u064a\u0641\u0636\u0644 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0631\u0624\u064a\u0629 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0641\u064a \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u062b\u0646\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n \u064a\u0645\u0646\u062d\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u062c\u062f\u062f \u062d\u062f\u064b\u0627 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u064b\u0627 \u064a\u064f\u0639\u0627\u062f \u0636\u0628\u0637\u0647 \u0643\u0644\u0645\u0627 \u0633\u062f\u062f\u062a \u0631\u0635\u064a\u062f\u0643. \u062a\u064f\u0639\u062f \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627. \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0648\u0627\u0644\u0633\u062f\u0627\u062f \u062b\u0645 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0645\u0631\u0629 \u0623\u062e\u0631\u0649 \u062d\u062a\u0649 \u062a\u0635\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649. \u0648\u0647\u0630\u0627 \u064a\u062c\u0639\u0644\u0647 \u0645\u0631\u0646\u064b\u0627 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0648\u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0637\u0627\u0631\u0626\u0629.<\/p>\n \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644\u060c \u064a\u0639\u0646\u064a \u0627\u0644\u0642\u0631\u0636 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637 \u0627\u0642\u062a\u0631\u0627\u0636 \u0645\u0628\u0644\u063a \u062b\u0627\u0628\u062a \u0648\u0633\u062f\u0627\u062f\u0647 \u0639\u0644\u0649 \u062f\u0641\u0639\u0627\u062a \u0645\u0646\u062a\u0638\u0645\u0629 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0641\u062a\u0631\u0629 \u0632\u0645\u0646\u064a\u0629. \u0648\u0645\u0646 \u0627\u0644\u0623\u0645\u062b\u0644\u0629 \u0627\u0644\u062c\u064a\u062f\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0642\u0631\u0648\u0636 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u0648\u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0648\u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628. \u0648\u0628\u0645\u062c\u0631\u062f \u0633\u062f\u0627\u062f\u0647\u0627\u060c \u062a\u064f\u063a\u0644\u0642 \u0647\u0630\u0647 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0639\u0627\u062f\u0629\u064b.<\/p>\n \u062a\u064f\u0642\u064a\u0651\u0645 \u0646\u0645\u0627\u0630\u062c \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0634\u0643\u0644 \u0625\u064a\u062c\u0627\u0628\u064a \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0625\u062f\u0627\u0631\u0629 \u0643\u0644\u0627 \u0646\u0648\u0639\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646. \u064a\u064f\u0638\u0647\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u062c\u062f\u062f \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062c\u0646\u0628 \u0627\u0644\u0625\u0633\u0631\u0627\u0641\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u064f\u0638\u0647\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637 \u0627\u0644\u062a\u0632\u0627\u0645\u0643 \u0628\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644.<\/p>\n \u0625\u0630\u0627 \u0643\u0627\u0646 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u064a\u0645\u064a\u0644 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0646\u062d\u0648 \u0646\u0648\u0639 \u0648\u0627\u062d\u062f \u0645\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0641\u0641\u0643\u0651\u0631 \u0641\u064a \u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0646\u0648\u0639 \u0627\u0644\u0622\u062e\u0631 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627. \u0642\u062f \u064a\u0633\u062a\u0641\u064a\u062f \u0645\u0646 \u0644\u062f\u064a\u0647 \u0642\u0631\u0648\u0636 \u0637\u0644\u0627\u0628\u064a\u0629 \u0641\u0642\u0637 \u0645\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0645\u0633\u0624\u0648\u0644\u064a\u0629. \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644\u060c \u0642\u062f \u064a\u0633\u062a\u0641\u064a\u062f \u0645\u0646 \u0644\u062f\u064a\u0647 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0646 \u0625\u0636\u0627\u0641\u0629 \u0642\u0631\u0636 \u062a\u0642\u0633\u064a\u0637.<\/p>\n \u062a\u064f\u0639\u062f\u0651 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0645\u0641\u064a\u062f\u0629\u064b \u0644\u0644\u063a\u0627\u064a\u0629 \u0641\u064a \u0628\u0646\u0627\u0621 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u062a\u0648\u0627\u0632\u0646. \u0648\u062a\u062e\u062a\u0644\u0641 \u0647\u0630\u0647 \u0627\u0644\u0642\u0631\u0648\u0636 \u0639\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0623\u0648 \u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0625\u0630 \u062a\u0648\u0641\u0631 \u0645\u0631\u0648\u0646\u0629\u064b \u0623\u0643\u0628\u0631. \u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0642\u0631\u0636 \u0634\u062e\u0635\u064a \u0644\u062a\u0648\u062d\u064a\u062f \u062f\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0630\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629\u060c \u0645\u0645\u0627 \u064a\u064f\u062d\u0633\u0651\u0646 \u0645\u0646 \u062a\u0646\u0648\u0639 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u064a\u064f\u0642\u0644\u0651\u0644 \u0645\u0646 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n \u064a\u064f\u0639\u062f \u062a\u0645\u0648\u064a\u0644 \u0634\u0631\u0627\u0621 \u0627\u0644\u0623\u062b\u0627\u062b \u0623\u0648 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0628\u0645\u062b\u0627\u0628\u0629 \u0642\u0631\u0636 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637. \u0627\u062d\u0630\u0631 \u0645\u0646 \u0639\u0631\u0648\u0636 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0624\u062c\u0644\u0629\u060c \u0641\u0625\u0630\u0627 \u0644\u0645 \u062a\u0633\u062f\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0628\u0646\u0647\u0627\u064a\u0629 \u0641\u062a\u0631\u0629 \u0627\u0644\u0639\u0631\u0636\u060c \u0641\u0642\u062f \u062a\u064f\u0637\u0627\u0644\u0628 \u0628\u062f\u0641\u0639 \u0641\u0648\u0627\u0626\u062f \u0639\u0644\u0649 \u0643\u0627\u0645\u0644 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0623\u0635\u0644\u064a.<\/p>\n \u064a\u062a\u0637\u0644\u0628 \u0628\u0646\u0627\u0621 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u0645\u062a\u0627\u0632 \u0627\u0644\u0645\u062b\u0627\u0628\u0631\u0629 \u0648\u0627\u0644\u0635\u0628\u0631 \u0648\u0627\u0644\u0639\u0627\u062f\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0644\u064a\u0645\u0629. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0627\u062a\u060c<\/p>\n \u0625\u0644\u064a\u0643\u0645 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0639\u0645\u0644\u064a\u0629:<\/strong><\/p>\n \u062a\u062d\u0642\u0642 \u0645\u0646 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0627\u0646\u062a\u0638\u0627\u0645.<\/strong> \u0631\u0627\u062c\u0639 \u062a\u0642\u0627\u0631\u064a\u0631\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0646 \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 - \u0625\u064a\u0643\u0648\u064a\u0641\u0627\u0643\u0633\u060c \u0648\u0625\u0643\u0633\u0628\u064a\u0631\u064a\u0627\u0646\u060c \u0648\u062a\u0631\u0627\u0646\u0633 \u064a\u0648\u0646\u064a\u0648\u0646 - \u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 \u0633\u0646\u0648\u064a\u064b\u0627. \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643 \u0639\u0628\u0631 \u0645\u0648\u0642\u0639 AnnualCreditReport.com. \u0627\u0628\u062d\u062b \u0639\u0646 \u0623\u064a \u0623\u062e\u0637\u0627\u0621\u060c \u0623\u0648 \u062d\u0633\u0627\u0628\u0627\u062a \u063a\u064a\u0631 \u0645\u0623\u0644\u0648\u0641\u0629\u060c \u0623\u0648 \u0639\u0644\u0627\u0645\u0627\u062a \u062a\u062f\u0644 \u0639\u0644\u0649 \u0633\u0631\u0642\u0629 \u0627\u0644\u0647\u0648\u064a\u0629. \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0639\u0645\u0644 \u0644\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062e\u0627\u0635 \u0648\u062a\u0628\u062d\u062b \u0639\u0646 \u0625\u0631\u0634\u0627\u062f\u0627\u062a \u062d\u0648\u0644 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0648\u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0641\u0627\u0642\u0631\u0623 \u062f\u0644\u064a\u0644\u0646\u0627 \u0627\u0644\u0634\u0627\u0645\u0644 \u062d\u0648\u0644 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 - \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u062d\u0631<\/a><\/b>.<\/p>\n<\/li>\n \u0642\u0645 \u0628\u0627\u0644\u0627\u0639\u062a\u0631\u0627\u0636 \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u062f\u0642\u064a\u0642\u0629 \u0641\u0648\u0631\u0627\u064b: <\/strong><\/p>\n \u0642\u0645 \u0628\u062a\u0642\u062f\u064a\u0645 \u0627\u0639\u062a\u0631\u0627\u0636\u0627\u062a \u0644\u062f\u0649 \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0634\u0623\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621.<\/p>\n<\/li>\n \u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062a\u0623\u062e\u0631\u0629 \u063a\u064a\u0631 \u0627\u0644\u0635\u062d\u064a\u062d\u0629\u060c \u0648\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u062e\u0635\u0643\u060c \u0623\u0648 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0642\u062f\u064a\u0645\u0629.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n \u0627\u0644\u062a\u0641\u0627\u0648\u0636 \u0645\u0639 \u0627\u0644\u062f\u0627\u0626\u0646\u064a\u0646: \u0625\u0630\u0627<\/strong> \u0625\u0630\u0627 \u0641\u0627\u062a\u0643 \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0629\u060c \u0641\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0647\u0645. \u0646\u0627\u0642\u0634 \u0645\u0639\u0647\u0645 \u062e\u0637\u0637 \u0627\u0644\u0633\u062f\u0627\u062f \u0623\u0648 \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a. \u0642\u062f \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0639\u0636 \u0628\u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u0633\u0644\u0628\u064a\u0629 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0633\u062f\u0627\u062f.<\/p>\n<\/li>\n \u0627\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u062d\u0643\u0645\u0629\u060c \u0648\u0644\u064a\u0633 \u0628\u0625\u0641\u0631\u0627\u0637.<\/strong>\u062d\u062f\u0651\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0647\u0648 \u0634\u0628\u0643\u0629 \u0623\u0645\u0627\u0646\u060c \u0648\u0644\u064a\u0633 \u0645\u0635\u0631\u0648\u0641\u0627\u064b \u0644\u0644\u062a\u0633\u0648\u0642. \u0644\u0627 \u062a\u0646\u0641\u0642 \u0628\u0634\u0643\u0644 \u0631\u0648\u062a\u064a\u0646\u064a \u0628\u0627\u0644\u0642\u0631\u0628 \u0645\u0646 \u062d\u062f\u0651\u0643.<\/p>\n<\/li>\n \u0642\u0645 \u0628\u0628\u0646\u0627\u0621 \u0635\u0646\u062f\u0648\u0642 \u0644\u0644\u0637\u0648\u0627\u0631\u0626<\/strong>\u0625\u0646 \u062a\u0648\u0641\u064a\u0631 \u0646\u0641\u0642\u0627\u062a \u062b\u0644\u0627\u062b\u0629 \u0625\u0644\u0649 \u0633\u062a\u0629 \u0623\u0634\u0647\u0631 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629.<\/p>\n<\/li>\n<\/ul>\n \u062a\u062d\u0633\u064a\u0646 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0631\u062d\u0644\u0629 \u0637\u0648\u064a\u0644\u0629\u060c \u0648\u0644\u064a\u0633\u062a \u0633\u0628\u0627\u0642\u0627\u064b \u0642\u0635\u064a\u0631\u0627\u064b. \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0631\u0641\u0639\u0647 \u0645\u0646 580 \u0625\u0644\u0649 720 \u0633\u0646\u062a\u064a\u0646 \u0625\u0644\u0649 \u062b\u0644\u0627\u062b \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u062a\u0648\u0627\u0635\u0644. \u0644\u0643\u0646 \u0647\u0630\u0627 \u0627\u0644\u062c\u0647\u062f \u0633\u064a\u0624\u062a\u064a \u062b\u0645\u0627\u0631\u0647. \u0633\u062a\u062a\u0645\u062a\u0639 \u0628\u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u0623\u0642\u0644\u060c \u0648\u0634\u0631\u0648\u0637 \u0642\u0631\u0648\u0636 \u0623\u0641\u0636\u0644\u060c \u0648\u062d\u0631\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0623\u0643\u0628\u0631.<\/p>\n \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0647\u062f\u0641 \u0645\u062d\u062f\u062f\u060c \u0641\u062a\u0639\u0644\u0645 \u0643\u064a\u0641\u064a\u0629 \u062d\u0633\u0627\u0628 \u0646\u062a\u064a\u062c\u062a\u0643 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0627\u062a\u0646\u0627 \u0627\u0644\u0645\u0641\u064a\u062f\u0629. \u062d\u0627\u0633\u0628\u0629 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u062a\u0642\u062f\u064a\u0631<\/a><\/b>.<\/p><\/blockquote>\n <\/p>\n \u064a\u0639\u0643\u0633 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0633\u0644\u0648\u0643\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0644\u0649 \u0645\u0631 \u0627\u0644\u0632\u0645\u0646.<\/p>\n \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062e\u0645\u0633\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u0638\u0647\u0631 \u062c\u062f\u0627\u0631\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0647\u064a:<\/strong><\/p>\n \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a<\/p>\n<\/li>\n \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/p>\n<\/li>\n \u0645\u062f\u0629 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a<\/p>\n<\/li>\n \u0645\u0632\u064a\u062c \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/p>\n<\/li>\n \u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629<\/p>\n<\/li>\n<\/ul>\n \u062a\u062a\u0636\u0627\u0641\u0631 \u0647\u0630\u0647 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u062c\u0645\u064a\u0639\u0647\u0627 \u0645\u0639\u0627\u064b.<\/p>\n \u0628\u0639\u0636 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0623\u0643\u062b\u0631 \u0623\u0647\u0645\u064a\u0629 \u0645\u0646 \u063a\u064a\u0631\u0647\u0627\u060c \u0644\u0643\u0646 \u062c\u0645\u064a\u0639\u0647\u0627 \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0643.<\/p>\n \u0623\u0643\u062b\u0631 \u0645\u0627 \u064a\u0634\u062c\u0639 \u0641\u064a \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0647\u0648 \u0623\u0646\u0647\u0627 \u0644\u064a\u0633\u062a \u062f\u0627\u0626\u0645\u0629. \u0641\u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u0633\u0644\u0628\u064a\u0629 \u062a\u062a\u0644\u0627\u0634\u0649\u060c \u0648\u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a \u064a\u062a\u0631\u0627\u0643\u0645. \u062d\u062a\u0649 \u0644\u0648 \u0628\u062f\u0623\u062a \u0645\u0646 \u0648\u0636\u0639 \u0635\u0639\u0628\u060c \u0641\u0625\u0646 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0633\u064a\u0631\u0641\u0639 \u062a\u0642\u064a\u064a\u0645\u0643 \u062a\u062f\u0631\u064a\u062c\u064a\u0627\u064b.<\/p>\n \u0627\u0628\u062f\u0623 \u0628\u062a\u062d\u0633\u064a\u0646 \u0648\u0627\u062d\u062f \u0627\u0644\u064a\u0648\u0645. \u0641\u0639\u0651\u0644 \u062e\u0627\u0635\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a \u0644\u0628\u0637\u0627\u0642\u0627\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629. \u0633\u062f\u0651\u062f \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0623\u0639\u0644\u0649. \u0631\u0627\u062c\u0639 \u062a\u0642\u0631\u064a\u0631\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062e\u0644\u0648\u0651\u0647 \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621. \u0643\u0644 \u062e\u0637\u0648\u0629 \u0635\u063a\u064a\u0631\u0629 \u062a\u0642\u0631\u0628\u0643 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u062a\u064a \u064a\u0648\u0641\u0631\u0647\u0627 \u0644\u0643 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u0645\u062a\u0627\u0632. \u0633\u064a\u0634\u0643\u0631\u0643 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u062e\u0630\u0647\u0627 \u0627\u0644\u0622\u0646. \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u062d\u0648\u0644 \u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u0633\u064a\u0646 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u062f\u0627\u0645\u060c \u0627\u0637\u0644\u0639 \u0639\u0644\u0649 \u062f\u0644\u064a\u0644\u0646\u0627 \u0627\u0644\u0643\u0627\u0645\u0644 \u062d\u0648\u0644 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a<\/a><\/b>.<\/p>\n \u0645\u0627 \u0647\u0648 \u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0623\u0643\u0628\u0631 \u0627\u0644\u0630\u064a \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong> \u0645\u0627 \u0647\u0648 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0623\u0646 \u0623\u062d\u0627\u0641\u0638 \u0639\u0644\u064a\u0647 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u064a \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u061f<\/strong> \u0647\u0644 \u064a\u0624\u062b\u0631 \u0625\u063a\u0644\u0627\u0642 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0642\u062f\u064a\u0645\u0629 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong> \u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u062a\u064a \u064a\u062e\u0641\u0636\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0635\u0639\u0628 \u0645\u0646 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong> \u0644\u0645\u0627\u0630\u0627 \u064a\u064f\u0639\u062f\u0651 \u0627\u0645\u062a\u0644\u0627\u0643 \u0623\u0646\u0648\u0627\u0639 \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0645\u0631\u0627\u064b \u0645\u0647\u0645\u0627\u064b\u061f<\/strong> \u0627\u0642\u0631\u0623 \u0623\u064a\u0636\u0627\u064b: <\/strong>\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u064a\u0646: \u0628\u0646\u0627\u0621 \u062b\u0631\u0648\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644<\/a><\/p>\n \u0627\u0644\u0645\u0631\u0627\u062c\u0639:<\/strong><\/p>\n \u00a0\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0639\u0627\u062f\u0644 (FCRA)<\/a>\u00a0 <\/a><\/p>\n<\/li>\n\u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a: \u0623\u0633\u0627\u0633 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/strong><\/h2>\n
\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0633\u062f\u0627\u062f \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/strong><\/h3>\n
\u0643\u064a\u0641 \u062a\u0624\u062b\u0631 \u0639\u0644\u064a\u0643 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062a\u0629 \u0623\u0648 \u0627\u0644\u0645\u062a\u0623\u062e\u0631\u0629<\/strong><\/h3>\n
\n
\u0645\u0639\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646: \u0645\u0648\u0627\u0632\u0646\u0629 \u0631\u0635\u064a\u062f\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0645\u062a\u0627\u062d<\/strong><\/h2>\n
\u0645\u0627 \u0647\u0648 \u0645\u0639\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u061f<\/strong><\/h3>\n
\u0644\u0645\u0627\u0630\u0627 \u064a\u064f\u0639\u062f \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0623\u0645\u0631\u064b\u0627 \u0645\u0647\u0645\u064b\u0627<\/strong><\/h3>\n
\n
<\/h3>\n
\u0645\u062f\u0629 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a: \u0627\u0644\u0648\u0642\u062a \u062d\u0644\u064a\u0641\u0643<\/strong><\/h2>\n
\u062f\u0648\u0631 \u0627\u0644\u0639\u0645\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/strong><\/h3>\n
\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0633\u0644\u064a\u0645<\/strong><\/h3>\n
\u0645\u0632\u064a\u062c \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646: \u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/strong><\/h2>\n
\u0644\u0645\u0627\u0630\u0627 \u064a\u064f\u0639\u062f \u0627\u0645\u062a\u0644\u0627\u0643 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0645\u0631\u0627\u064b \u0645\u0647\u0645\u0627\u064b\u061f<\/strong><\/h3>\n
\n
\u0643\u064a\u0641\u064a\u0629 \u062a\u0646\u0648\u064a\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/strong><\/h3>\n
\n
\u0643\u064a\u0641 \u062a\u0624\u062b\u0631 \u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong><\/h2>\n
\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0639\u0628\u0629 \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/strong><\/h3>\n
\u0643\u064a\u0641\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u062d\u0643\u0645\u0629<\/strong><\/h3>\n
\n
\u0641\u0647\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u062c\u062f\u062f \u0648\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637<\/strong><\/h2>\n
\u0643\u064a\u0641 \u064a\u0624\u062b\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u062c\u062f\u062f \u0648\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong><\/h3>\n
\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0644\u062a\u062d\u0633\u064a\u0646 \u0647\u0630\u0627 \u0627\u0644\u0639\u0627\u0645\u0644<\/strong><\/h3>\n
\u0646\u0635\u0627\u0626\u062d \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0648\u062a\u062d\u0633\u064a\u0646 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643<\/strong><\/h2>\n
\n
\n
<\/h3>\n
\u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a<\/strong><\/h2>\n
\n
\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629
\n<\/strong><\/h3>\n
\u064a\u0624\u062b\u0631 \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u062a\u0642\u064a\u064a\u0645\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0641\u0647\u0648 \u064a\u0634\u0643\u0644 35% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u062a\u0642\u064a\u064a\u0645\u0643 \u0648\u064a\u0639\u0643\u0633 \u0645\u062f\u0649 \u0627\u0644\u062a\u0632\u0627\u0645\u0643 \u0628\u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631.<\/p>\n
\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0642\u0644 \u0645\u0646 30% \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u062c\u064a\u062f. \u0623\u0645\u0627 \u0623\u0641\u0636\u0644 \u0627\u0644\u062a\u0635\u0646\u064a\u0641\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0641\u063a\u0627\u0644\u0628\u0627\u064b \u0645\u0627 \u062a\u0643\u0648\u0646 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0623\u0642\u0644 \u0645\u0646 10%.<\/p>\n
\u0646\u0639\u0645. \u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u064a\u064f\u0642\u0635\u0631 \u062a\u0627\u0631\u064a\u062e\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u0642\u062f \u064a\u064f\u062e\u0641\u0636 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0627\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0645\u0641\u062a\u0648\u062d\u0629 \u0625\u0646 \u0623\u0645\u0643\u0646.<\/p>\n
\u0642\u062f \u064a\u0624\u062f\u064a \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0625\u0644\u0649 \u062e\u0641\u0636 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643 \u0628\u0645\u0642\u062f\u0627\u0631 5 \u0625\u0644\u0649 10 \u0646\u0642\u0627\u0637. \u0642\u0644\u0644 \u0645\u0646 \u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u0644\u0627\u0645\u0629 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a.<\/p>\n
\u0625\u0646 \u0627\u0644\u062c\u0645\u0639 \u0627\u0644\u0645\u062a\u0648\u0627\u0632\u0646 \u0628\u064a\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637 \u064a\u062b\u0628\u062a \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u062a\u0646\u0648\u0639\u0629\u060c \u0645\u0645\u0627 \u064a\u062d\u0633\u0646 \u0645\u0646 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a.<\/p>\n\n