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\u099f\u09c1\u09b2\u099f\u09bf \u09a8\u09bf\u09ae\u09cd\u09a8\u09b2\u09bf\u0996\u09bf\u09a4 \u09ac\u09bf\u09b7\u09af\u09bc\u0997\u09c1\u09b2\u09cb \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be \u0995\u09b0\u09c7:<\/p>\n<ul data-start=\"2785\" data-end=\"2948\">\n<li data-start=\"2785\" data-end=\"2802\">\n<p data-start=\"2787\" data-end=\"2802\"><strong data-start=\"2787\" data-end=\"2802\">\u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09af\u09bc<\/strong><\/p>\n<\/li>\n<li data-start=\"2803\" data-end=\"2831\">\n<p data-start=\"2805\" data-end=\"2831\"><strong data-start=\"2805\" data-end=\"2831\">\u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0<\/strong><\/p>\n<\/li>\n<li data-start=\"2832\" data-end=\"2869\">\n<p data-start=\"2834\" data-end=\"2869\"><strong data-start=\"2834\" data-end=\"2869\">\u098b\u09a3\u09c7\u09b0 \u09ae\u09c7\u09af\u09bc\u09be\u09a6 (\u09e7\u09eb, \u09e8\u09e6 \u09ac\u09be \u09e9\u09e6 \u09ac\u099b\u09b0)<\/strong><\/p>\n<\/li>\n<li data-start=\"2870\" data-end=\"2888\">\n<p data-start=\"2872\" data-end=\"2888\"><strong data-start=\"2872\" data-end=\"2888\">\u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f<\/strong><\/p>\n<\/li>\n<li data-start=\"2889\" data-end=\"2948\">\n<p data-start=\"2891\" data-end=\"2948\"><strong data-start=\"2891\" data-end=\"2908\">\u09ae\u09be\u09b8\u09bf\u0995 \u098b\u09a3<\/strong> (\u09af\u09c7\u09ae\u09a8 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0995\u09be\u09b0\u09cd\u09a1 \u09ac\u09be \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3)<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"3128\" data-end=\"3155\"><strong data-start=\"3128\" data-end=\"3154\">\u09ac\u09bf\u09ac\u09c7\u099a\u09cd\u09af \u09ae\u09c2\u09b2 \u09ac\u09bf\u09b7\u09af\u09bc\u09b8\u09ae\u09c2\u09b9<\/strong>:<\/h3>\n<ul data-start=\"3156\" data-end=\"3476\">\n<li data-start=\"3156\" data-end=\"3320\">\n<p data-start=\"3158\" data-end=\"3320\"><strong 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\u09b9\u09b2\u09cb \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09cb\u099f \u09ae\u09be\u09b8\u09bf\u0995 \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3\u0995\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09cb\u099f \u09ae\u09be\u09b8\u09bf\u0995 \u0986\u09af\u09bc \u09a6\u09bf\u09af\u09bc\u09c7 \u09ad\u09be\u0997 \u0995\u09b0\u09c7 \u09aa\u09be\u0993\u09af\u09bc\u09be \u09ae\u09be\u09a8\u0964 \u098b\u09a3\u09a6\u09be\u09a4\u09be\u09b0\u09be \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u098f\u0987 \u09b8\u0982\u0996\u09cd\u09af\u09be\u099f\u09bf \u09e9\u09ec\u2013\u09ea\u09e9% \u098f\u09b0 \u09a8\u09bf\u099a\u09c7 \u09b0\u09be\u0996\u09a4\u09c7 \u09aa\u099b\u09a8\u09cd\u09a6 \u0995\u09b0\u09c7\u09a8\u0964<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3478\" data-end=\"3643\"><strong data-start=\"3478\" data-end=\"3489\">\u0989\u09a6\u09be\u09b9\u09b0\u09a3<\/strong>:<br data-start=\"3490\" data-end=\"3493\" \/>\u09e7\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7\u09b0 \u099c\u09a8\u09cd\u09af, \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09cb\u099f \u09ae\u09be\u09b8\u09bf\u0995 \u0986\u09af\u09bc \u09aa\u09cd\u09b0\u09be\u09af\u09bc \u09ee,\u09e9\u09e9\u09e9 \u09a1\u09b2\u09be\u09b0\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f\u09c7 \u09e8\u09eb\u09e6\u09e6\u2013\u09e8\u09ed\u09eb\u09e6 \u09a1\u09b2\u09be\u09b0\u09c7\u09b0 \u09ac\u09c7\u09b6\u09bf \u0996\u09b0\u099a \u09a8\u09be \u0995\u09b0\u09be\u09b0 \u09b2\u0995\u09cd\u09b7\u09cd\u09af \u09b0\u09be\u0996\u09be \u0989\u099a\u09bf\u09a4\u0964<\/p>\n<hr data-start=\"3645\" data-end=\"3648\" \/>\n<h2 data-start=\"3650\" data-end=\"3722\"><strong data-start=\"3657\" data-end=\"3722\">\u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09af\u09bc\u0995\u09cd\u09b7\u09ae\u09a4\u09be\u0995\u09c7 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09bf\u09a4 \u0995\u09b0\u09c7 \u098f\u09ae\u09a8 \u09ac\u09bf\u09b7\u09af\u09bc\u09b8\u09ae\u09c2\u09b9<\/strong><\/h2>\n<p data-start=\"3723\" data-end=\"3843\">\u0986\u09aa\u09a8\u09bf \u0995\u09a4 \u09a6\u09be\u09ae\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8 \u09a4\u09be \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09a3\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09af\u09bc \u098f\u0995\u099f\u09bf \u09aa\u09cd\u09b0\u09a7\u09be\u09a8 \u09ad\u09c2\u09ae\u09bf\u0995\u09be \u09aa\u09be\u09b2\u09a8 \u0995\u09b0\u09b2\u09c7\u0993, \u0986\u09b0\u0993 \u09ac\u09c7\u09b6 \u0995\u09bf\u099b\u09c1 \u09ac\u09bf\u09b7\u09af\u09bc \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be\u09af\u09bc \u0986\u09b8\u09c7:<\/p>\n<h3 data-start=\"3845\" data-end=\"3868\"><strong data-start=\"3850\" data-end=\"3866\">\u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f<\/strong><\/h3>\n<p data-start=\"3869\" data-end=\"4010\">\u09e8\u09e6% \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u0986\u09a6\u09b0\u09cd\u09b6\u0964 \u09e9,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09be\u09a1\u09bc\u09bf\u09b0 \u099c\u09a8\u09cd\u09af \u098f\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u09b9\u09ac\u09c7 \u09ec\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0\u0964 \u0986\u09aa\u09a8\u09bf \u09af\u09a4 \u09ac\u09c7\u09b6\u09bf \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8, \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c\u09c7\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09a4\u09a4 \u0995\u09ae \u09b9\u09ac\u09c7\u0964 \u09ac\u09c7\u09b6\u09bf \u09aa\u09b0\u09bf\u09ae\u09be\u09a3\u09c7 \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u0986\u09aa\u09a8\u09be\u09b0 \u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u0995\u09ae\u09bf\u09af\u09bc\u09c7 \u09a6\u09c7\u09af\u09bc \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u0986\u09b0\u0993 \u09ad\u09be\u09b2\u09cb \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u09aa\u09c7\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/p>\n<h3 data-start=\"4147\" data-end=\"4184\"><strong data-start=\"4152\" data-end=\"4182\">\u098b\u09a3-\u0986\u09af\u09bc \u0985\u09a8\u09c1\u09aa\u09be\u09a4 (DTI)<\/strong><\/h3>\n<p data-start=\"4185\" data-end=\"4426\">\u098f\u099f\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09af\u09bc\u09c7\u09b0 \u09b8\u09c7\u0987 \u09b6\u09a4\u09be\u0982\u09b6 \u09af\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7 \u09ac\u09cd\u09af\u09af\u09bc \u09b9\u09af\u09bc, \u09af\u09be\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09b0\u09af\u09bc\u09c7\u099b\u09c7 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c, \u0997\u09be\u09a1\u09bc\u09bf\u09b0 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf, \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0995\u09be\u09b0\u09cd\u09a1\u09c7\u09b0 \u09ac\u09bf\u09b2 \u098f\u09ac\u0982 \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3\u0964 \u098f\u0995\u099f\u09bf \u0995\u09ae DTI \u0985\u09a8\u09c1\u09aa\u09be\u09a4 \u098f\u0995\u099f\u09bf \u09ac\u09a1\u09bc \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0985\u09a8\u09c1\u09ae\u09cb\u09a6\u09bf\u09a4 \u09b9\u0993\u09af\u09bc\u09be\u09b0 \u09b8\u09ae\u09cd\u09ad\u09be\u09ac\u09a8\u09be \u09ac\u09be\u09a1\u09bc\u09bf\u09af\u09bc\u09c7 \u09a4\u09cb\u09b2\u09c7\u0964<\/p>\n<h3 data-start=\"4428\" data-end=\"4451\"><strong data-start=\"4433\" data-end=\"4449\">\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0<\/strong><\/h3>\n<p data-start=\"4452\" data-end=\"4604\">\u098f\u0995\u099f\u09bf \u09ad\u09be\u09b2\u09cb \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u0995\u09ae\u09be\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7, \u09af\u09be \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u0986\u09b0\u0993 \u09a6\u09be\u09ae\u09c0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09c7\u09a8\u09be\u09b0 \u09b8\u09be\u09ae\u09b0\u09cd\u09a5\u09cd\u09af \u099c\u09cb\u0997\u09be\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09ac\u09c7\u0964 \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u09ed\u09ea\u09e6-\u098f\u09b0 \u0989\u09aa\u09b0\u09c7\u09b0 \u09b8\u09cd\u0995\u09cb\u09b0\u0995\u09c7 \u099a\u09ae\u09ce\u0995\u09be\u09b0 \u09ac\u09b2\u09c7 \u09ae\u09a8\u09c7 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u0964<\/p>\n<h3 data-start=\"4606\" data-end=\"4639\"><strong data-start=\"4611\" data-end=\"4637\">\u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0<\/strong><\/h3>\n<p data-start=\"4640\" data-end=\"4783\">\u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u09a8\u09bf\u09ae\u09cd\u09a8\u09b2\u09bf\u0996\u09bf\u09a4 \u09ac\u09bf\u09b7\u09af\u09bc\u09c7\u09b0 \u0989\u09aa\u09b0 \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf \u0995\u09b0\u09c7 \u0993\u09a0\u09be\u09a8\u09be\u09ae\u09be \u0995\u09b0\u09c7: <a href=\"https:\/\/www.investopedia.com\/investing\/how-interest-rates-affect-stock-market\/\">\u09ac\u09be\u099c\u09be\u09b0\u09c7\u09b0 \u09aa\u09b0\u09bf\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf<\/a>\u0995\u09ae \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5 \u09b9\u09b2\u09cb, \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09a8\u09be \u09ac\u09be\u09a1\u09bc\u09bf\u09af\u09bc\u09c7\u0987 \u0986\u09aa\u09a8\u09bf \u0986\u09b0\u0993 \u09ac\u09a1\u09bc \u0985\u0999\u09cd\u0995\u09c7\u09b0 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09a8\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8\u0964<\/p>\n<hr data-start=\"4785\" data-end=\"4788\" \/>\n<h2 data-start=\"4790\" data-end=\"4859\"><strong data-start=\"4797\" data-end=\"4859\">\u09e7 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09aa\u09a8\u09bf \u0995\u09c0 \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8?<\/strong><\/h2>\n<h3 data-start=\"4861\" data-end=\"4908\"><strong data-start=\"4866\" data-end=\"4906\">\u09a6\u09c3\u09b6\u09cd\u09af\u0995\u09b2\u09cd\u09aa \u09e7: \u09aa\u09cd\u09b0\u09a5\u09ae\u09ac\u09be\u09b0\u09c7\u09b0 \u09ae\u09a4\u09cb \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09cd\u09b0\u09c7\u09a4\u09be<\/strong><\/h3>\n<p data-start=\"4909\" data-end=\"5176\">\u0995\u09cb\u09a8\u09cb \u0989\u09b2\u09cd\u09b2\u09c7\u0996\u09af\u09cb\u0997\u09cd\u09af \u098b\u09a3 \u09a8\u09be \u09a5\u09be\u0995\u09b2\u09c7 \u098f\u09ac\u0982 \u09e8\u09e6% \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u09a6\u09bf\u09b2\u09c7 \u098f\u0995\u099c\u09a8 \u09aa\u09cd\u09b0\u09a5\u09ae\u09ac\u09be\u09b0\u09c7\u09b0 \u09ae\u09a4\u09cb \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09cd\u09b0\u09c7\u09a4\u09be \u09aa\u09cd\u09b0\u09be\u09af\u09bc \u09ea,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8\u0964 \u09e9\u09e6 \u09ac\u099b\u09b0 \u09ae\u09c7\u09af\u09bc\u09be\u09a6\u09c0 \u09ab\u09bf\u0995\u09cd\u09b8\u09a1 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c\u09c7 \u09ea% \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u09a7\u09b0\u09c7 \u09a8\u09bf\u09b2\u09c7, \u09a4\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u09b9\u09ac\u09c7 \u09aa\u09cd\u09b0\u09be\u09af\u09bc \u09e7,\u09ef\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 (\u099f\u09cd\u09af\u09be\u0995\u09cd\u09b8 \u098f\u09ac\u0982 \u0987\u09a8\u09cd\u09b8\u09cd\u09af\u09c1\u09b0\u09c7\u09a8\u09cd\u09b8 \u09ac\u09be\u09a6\u09c7)\u0964<\/p>\n<h3 data-start=\"5178\" data-end=\"5229\"><strong data-start=\"5183\" data-end=\"5227\">\u09a6\u09c3\u09b6\u09cd\u09af\u0995\u09b2\u09cd\u09aa \u09e8: \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3 \u09a5\u09be\u0995\u09be \u0995\u09cd\u09b0\u09c7\u09a4\u09be<\/strong><\/h3>\n<p data-start=\"5230\" data-end=\"5473\">\u0986\u09aa\u09a8\u09be\u09b0 \u09af\u09a6\u09bf \u09aa\u09cd\u09b0\u09a4\u09bf \u09ae\u09be\u09b8\u09c7 \u09eb\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0\u09c7\u09b0 \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3 \u09a5\u09be\u0995\u09c7, \u09a4\u09ac\u09c7 \u09a4\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09ae\u09b0\u09cd\u09a5\u09cd\u09af \u0995\u09ae\u09bf\u09af\u09bc\u09c7 \u09a6\u09c7\u09ac\u09c7\u0964 \u09e8\u09ee% \u09ab\u09cd\u09b0\u09a8\u09cd\u099f-\u098f\u09a8\u09cd\u09a1 \u09b0\u09c7\u09b6\u09bf\u0993\u09a4\u09c7, \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u09aa\u09cd\u09b0\u09be\u09af\u09bc \u09e8,\u09e8\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u098f\u09b0 \u09ab\u09b2\u09c7 \u09ac\u09be\u09a1\u09bc\u09bf\u09b0 \u09a6\u09be\u09ae \u09aa\u09cd\u09b0\u09be\u09af\u09bc \u09e9\u09eb\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0\u09c7 \u09b8\u09c0\u09ae\u09be\u09ac\u09a6\u09cd\u09a7 \u09a5\u09be\u0995\u09ac\u09c7\u0964<\/p>\n<hr data-start=\"5475\" data-end=\"5478\" \/>\n<h3 data-start=\"5480\" data-end=\"5541\"><strong data-start=\"5487\" data-end=\"5541\">\u09ae\u09c2\u09b2 \u09ac\u09bf\u09b7\u09af\u09bc\u09ac\u09b8\u09cd\u09a4\u09c1: \u09e7 \u09b2\u0995\u09cd\u09b7 \u09ac\u09c7\u09a4\u09a8\u09c7 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09c7\u09a8\u09be\u09b0 \u09b8\u09be\u09ae\u09b0\u09cd\u09a5\u09cd\u09af<\/strong><\/h3>\n<ul data-start=\"5542\" data-end=\"5873\">\n<li data-start=\"5542\" data-end=\"5670\">\n<p data-start=\"5544\" data-end=\"5670\">\u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f, \u098b\u09a3 \u098f\u09ac\u0982 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09c7, \u09e7,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7 \u09e9,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a5\u09c7\u0995\u09c7 \u09eb,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09c7\u09a8\u09be \u09b8\u09ae\u09cd\u09ad\u09ac\u0964<\/p>\n<\/li>\n<li data-start=\"5671\" data-end=\"5729\">\n<p data-start=\"5673\" data-end=\"5729\">\u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4\u0995\u09c3\u09a4 \u0986\u09a8\u09c1\u09ae\u09be\u09a8\u09bf\u0995 \u09b9\u09bf\u09b8\u09be\u09ac \u09aa\u09c7\u09a4\u09c7 \u098f\u0995\u099f\u09bf \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0 \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09c1\u09a8\u0964<\/p>\n<\/li>\n<li data-start=\"5730\" data-end=\"5802\">\n<p data-start=\"5732\" data-end=\"5802\">\u0986\u09aa\u09a8\u09be\u09b0 DTI \u0985\u09a8\u09c1\u09aa\u09be\u09a4 \u0995\u09ae \u09b0\u09be\u0996\u09c1\u09a8 \u098f\u09ac\u0982 \u0986\u09b0\u0993 \u09ac\u09c7\u09b6\u09bf \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u099e\u09cd\u099a\u09af\u09bc \u0995\u09b0\u09be\u09b0 \u0995\u09a5\u09be \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be \u0995\u09b0\u09c1\u09a8\u0964<\/p>\n<\/li>\n<li data-start=\"5803\" data-end=\"5873\">\n<p data-start=\"5805\" data-end=\"5873\">\u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u09af\u09be\u099a\u09be\u0987 \u0995\u09b0\u09c1\u09a8 \u098f\u09ac\u0982 \u09b8\u09c7\u09b0\u09be \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09b0\u09c7\u099f\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u099c\u09be\u09af\u09bc\u0997\u09be\u09af\u09bc \u0996\u09cb\u0981\u099c\u0996\u09ac\u09b0 \u09a8\u09bf\u09a8\u0964<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"6249\" data-end=\"6268\"><b>\u09b0\u09c7\u09ab\u09be\u09b0\u09c7\u09a8\u09cd\u09b8<em>erences<\/em><\/b><\/p>\n<ul data-start=\"6269\" data-end=\"6407\">\n<li data-start=\"6269\" data-end=\"6346\">\n<p data-start=\"6271\" data-end=\"6346\"><em><a class=\"decorated-link\" href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/203k\" target=\"_new\" rel=\"noopener\" data-start=\"6271\" data-end=\"6346\">FHA \u09b2\u09cb\u09a8 \u09a8\u09bf\u09b0\u09cd\u09a6\u09c7\u09b6\u09bf\u0995\u09be<\/a><\/em><\/p>\n<\/li>\n<li data-start=\"6347\" data-end=\"6407\">\n<p data-start=\"6349\" data-end=\"6407\"><em><a class=\"decorated-link\" href=\"https:\/\/www.bankrate.com\/mortgages\" target=\"_new\" rel=\"noopener\" data-start=\"6349\" data-end=\"6407\">\u0986\u099c\u0995\u09c7\u09b0 \u09ac\u09a8\u09cd\u09a7\u0995\u09c0 \u09b9\u09be\u09b0<\/a><\/em><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"6409\" data-end=\"6412\" \/>\n<h2 data-start=\"6414\" data-end=\"6433\">\u0995\u09b0\u09cd\u09ae\u09c7\u09b0 \u0986\u09b9\u09cd\u09ac\u09be\u09a8:<\/h2>\n<p data-start=\"16\" data-end=\"492\">\u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09c7\u09a8\u09be \u098f\u0995\u099f\u09bf \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09bf\u09a6\u09cd\u09a7\u09be\u09a8\u09cd\u09a4, \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09bf \u0995\u09a4 \u09a6\u09be\u09ae\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8 \u09a4\u09be \u09ac\u09cb\u099d\u09be \u098f\u0995\u099f\u09bf \u0985\u09a4\u09cd\u09af\u09a8\u09cd\u09a4 \u099c\u09b0\u09c1\u09b0\u09bf \u09aa\u09cd\u09b0\u09a5\u09ae \u09aa\u09a6\u0995\u09cd\u09b7\u09c7\u09aa\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09af\u09bc-\u09ac\u09cd\u09af\u09af\u09bc\u09c7\u09b0 \u0985\u09a8\u09c1\u09aa\u09be\u09a4, \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0, \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u098f\u09ac\u0982 \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0\u09c7\u09b0 \u09ae\u09a4\u09cb \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09ac\u09bf\u09b7\u09af\u09bc\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09c7, \u09e7,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09aa\u09a8\u09bf \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u09e9,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a5\u09c7\u0995\u09c7 \u09eb,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8\u0964 \u09a4\u09ac\u09c7, \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09c7\u0995 \u0995\u09cd\u09b0\u09c7\u09a4\u09be\u09b0 \u09aa\u09b0\u09bf\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf \u09b8\u09cd\u09ac\u09a4\u09a8\u09cd\u09a4\u09cd\u09b0, \u098f\u09ac\u0982 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0\u09c7\u09b0 \u09ae\u09a4\u09cb \u099f\u09c1\u09b2\u0997\u09c1\u09b2\u09cb \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09c7\u09a8\u09be\u09b0 \u09ac\u09be\u099c\u09c7\u099f \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 \u0986\u09b0\u0993 \u09b8\u09a0\u09bf\u0995 \u09a7\u09be\u09b0\u09a3\u09be \u09aa\u09c7\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/p>\n<p data-start=\"494\" data-end=\"752\">\u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u098f\u09ac\u0982 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b2\u0995\u09cd\u09b7\u09cd\u09af\u09c7\u09b0 \u09ae\u09a4\u09cb \u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3 \u09a6\u09bf\u0995\u0997\u09c1\u09b2\u09cb \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be \u0995\u09b0\u09be\u0993 \u099c\u09b0\u09c1\u09b0\u09bf\u0964 \u0986\u09aa\u09a8\u09bf \u09aa\u09cd\u09b0\u09a5\u09ae\u09ac\u09be\u09b0\u09c7\u09b0 \u09ae\u09a4\u09cb \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u099b\u09c7\u09a8 \u09ac\u09be \u0989\u09a8\u09cd\u09a8\u09a4\u09ae\u09be\u09a8\u09c7\u09b0 \u09ac\u09be\u09b8\u09b8\u09cd\u09a5\u09be\u09a8 \u0996\u09c1\u0981\u099c\u099b\u09c7\u09a8 \u098f\u09ae\u09a8 \u0995\u09cb\u09a8\u09cb \u09aa\u09c7\u09b6\u09be\u09a6\u09be\u09b0\u0987 \u09b9\u09cb\u09a8 \u09a8\u09be \u0995\u09c7\u09a8, \u09a8\u09bf\u099c\u09c7\u09b0 \u09b8\u09c0\u09ae\u09be\u09ac\u09a6\u09cd\u09a7\u09a4\u09be \u099c\u09be\u09a8\u09be \u09a5\u09be\u0995\u09b2\u09c7 \u09a4\u09be \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u0986\u09a4\u09cd\u09ae\u09ac\u09bf\u09b6\u09cd\u09ac\u09be\u09b8\u09c0 \u0993 \u09b8\u09c1\u099a\u09bf\u09a8\u09cd\u09a4\u09bf\u09a4\u09ad\u09be\u09ac\u09c7 \u0995\u09c7\u09a8\u09be\u0995\u09be\u099f\u09be \u0995\u09b0\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09ac\u09c7\u0964<\/p>\n<p data-start=\"754\" data-end=\"952\">\u098f <a class=\"decorated-link\" href=\"https:\/\/toolstecique.com\/bn\/?utm_source=chatgpt.com\" target=\"_new\" rel=\"noopener\" data-start=\"757\" data-end=\"798\">\u099f\u09c1\u09b2\u09b8 \u099f\u09c7\u0995\u09a8\u09bf\u0995<\/a>\u0986\u09aa\u09a8\u09be\u0995\u09c7 \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09ac\u09bf\u09b7\u09af\u09bc\u09c7 \u09aa\u09a5\u09a8\u09bf\u09b0\u09cd\u09a6\u09c7\u09b6\u09a8\u09be \u09a6\u09c7\u0993\u09af\u09bc\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09ae\u09b0\u09be \u09a8\u09be\u09a8\u09be \u09a7\u09b0\u09a8\u09c7\u09b0 \u09b8\u09b9\u09be\u09af\u09bc\u0995 \u09b8\u09b0\u099e\u09cd\u099c\u09be\u09ae \u09b8\u09b0\u09ac\u09b0\u09be\u09b9 \u0995\u09b0\u09bf\u0964<a href=\"https:\/\/toolstecique.com\/bn\/finance-calculators\/\"> \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u0997\u09a3\u09a8\u09be<\/a> \u098f\u09ac\u0982 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u0964 \u0986\u09ae\u09be\u09a6\u09c7\u09b0 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0\u09c7\u09b0 \u09aa\u09be\u09b6\u09be\u09aa\u09be\u09b6\u09bf \u0986\u09ae\u09b0\u09be \u0986\u09b0\u0993 \u09af\u09be \u0985\u09ab\u09be\u09b0 \u0995\u09b0\u09bf:<\/p>\n<ul data-start=\"953\" data-end=\"1167\">\n<li data-start=\"953\" data-end=\"1012\">\n<p data-start=\"955\" data-end=\"1012\"><strong data-start=\"955\" data-end=\"977\">\u09ac\u09be\u099c\u09c7\u099f \u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0<\/strong> \u0986\u09aa\u09a8\u09be\u09b0 \u0996\u09b0\u099a \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u0995\u09b0\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af<\/p>\n<\/li>\n<li data-start=\"1013\" data-end=\"1101\">\n<p data-start=\"1015\" data-end=\"1101\"><strong data-start=\"1015\" data-end=\"1040\">\u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u099a\u09c7\u0995\u09be\u09b0<\/strong> \u098b\u09a3\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09ac\u09c7\u09a6\u09a8 \u0995\u09b0\u09be\u09b0 \u0986\u0997\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u0985\u09ac\u09b8\u09cd\u09a5\u09be \u09a8\u09bf\u09b6\u09cd\u099a\u09bf\u09a4 \u0995\u09b0\u09c1\u09a8<\/p>\n<\/li>\n<li data-start=\"1102\" data-end=\"1167\">\n<p data-start=\"1104\" data-end=\"1167\"><strong data-start=\"1104\" data-end=\"1124\">\u09b2\u09cb\u09a8 \u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0<\/strong> \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u098b\u09a3, \u0997\u09be\u09a1\u09bc\u09bf\u09b0 \u098b\u09a3 \u098f\u09ac\u0982 \u0986\u09b0\u0993 \u0985\u09a8\u09c7\u0995 \u0995\u09bf\u099b\u09c1\u09b0 \u099c\u09a8\u09cd\u09af<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1169\" data-end=\"1304\" data-is-last-node=\"\" data-is-only-node=\"\">\u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09ad\u09ac\u09bf\u09b7\u09cd\u09af\u09ce 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\u0986\u09ae\u09bf \u0995\u09a4 \u09a6\u09be\u09ae\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac?<\/strong><\/h4>\n<p data-start=\"296\" data-end=\"639\">\u09e7,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09aa\u09a8\u09bf \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u09e9,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a5\u09c7\u0995\u09c7 \u09eb,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8\u0964 \u098f\u099f\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09cb\u099f \u09ae\u09be\u09b8\u09bf\u0995 \u0986\u09af\u09bc\u09c7\u09b0 \u09aa\u09cd\u09b0\u09be\u09af\u09bc \u09e8\u09ee-\u09e9\u09e6% \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f\u09c7\u09b0 \u0989\u09aa\u09b0 \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf \u0995\u09b0\u09c7 \u09b9\u09bf\u09b8\u09be\u09ac \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7\u0964 \u09a4\u09ac\u09c7, \u0986\u09aa\u09a8\u09be\u09b0 \u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u0995\u09cd\u09b0\u09af\u09bc\u0995\u09cd\u09b7\u09ae\u09a4\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u098b\u09a3-\u0986\u09af\u09bc \u0985\u09a8\u09c1\u09aa\u09be\u09a4, \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f \u098f\u09ac\u0982 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c\u09c7\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0\u09c7\u09b0 \u09ae\u09a4\u09cb \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09ac\u09bf\u09b7\u09af\u09bc\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09ac\u09c7\u0964<\/p>\n<hr data-start=\"641\" data-end=\"644\" \/>\n<h4 data-start=\"646\" data-end=\"705\"><strong data-start=\"651\" data-end=\"705\">\u09e8. \u09ee\u09e6 \u09b9\u09be\u099c\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09ae\u09bf \u0995\u09a4 \u09a6\u09be\u09ae\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac?<\/strong><\/h4>\n<p data-start=\"706\" data-end=\"1018\">\u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u098f\u09ac\u0982 \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09c7, \u09ee\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09aa\u09a8\u09bf \u09e8\u09ea\u09e6,\u09e6\u09e6\u09e6 \u09a5\u09c7\u0995\u09c7 \u09ea\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09b8\u0995\u09cd\u09b7\u09ae \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8\u0964 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0\u0997\u09c1\u09b2\u09cb \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0 \u098f\u09ac\u0982 \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0\u09c7\u09b0 \u09ae\u09a4\u09cb \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09a4\u09a5\u09cd\u09af\u09c7\u09b0 \u0989\u09aa\u09b0 \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf \u0995\u09b0\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0985\u09a8\u09c1\u09ae\u09be\u09a8\u0995\u09c7 \u0986\u09b0\u0993 \u09a8\u09bf\u09b0\u09cd\u09ad\u09c1\u09b2 \u0995\u09b0\u09a4\u09c7 \u09b8\u09be\u09b9\u09be\u09af\u09cd\u09af \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/p>\n<hr data-start=\"1020\" data-end=\"1023\" \/>\n<h4 data-start=\"1025\" data-end=\"1084\"><strong data-start=\"1030\" data-end=\"1084\">\u09e9. \u09a6\u09c7\u09a1\u09bc \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09ae\u09bf \u0995\u09a4 \u09a6\u09be\u09ae\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac?<\/strong><\/h4>\n<p data-start=\"1085\" data-end=\"1407\">\u09af\u09a6\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u0986\u09af\u09bc $150,000 \u09b9\u09af\u09bc, \u09a4\u09ac\u09c7 \u0986\u09aa\u09a8\u09bf $450,000 \u09a5\u09c7\u0995\u09c7 $750,000 \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09b8\u0995\u09cd\u09b7\u09ae \u09b9\u09ac\u09c7\u09a8\u0964 \u098f\u0987 \u09aa\u09b0\u09bf\u09b8\u09c0\u09ae\u09be\u099f\u09bf \u098f\u0995\u099f\u09bf \u09ae\u09be\u099d\u09be\u09b0\u09bf \u098b\u09a3-\u0986\u09af\u09bc \u0985\u09a8\u09c1\u09aa\u09be\u09a4 \u098f\u09ac\u0982 \u098f\u0995\u099f\u09bf \u09ac\u09a1\u09bc \u0985\u0999\u09cd\u0995\u09c7\u09b0 \u09a1\u09be\u0989\u09a8 \u09aa\u09c7\u09ae\u09c7\u09a8\u09cd\u099f\u09c7\u09b0 \u0989\u09aa\u09b0 \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf \u0995\u09b0\u09c7 \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09bf\u09a4, \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u09b8\u09cd\u0995\u09cb\u09b0, \u098b\u09a3\u09c7\u09b0 \u09ae\u09c7\u09af\u09bc\u09be\u09a6 \u098f\u09ac\u0982 \u098b\u09a3\u09a6\u09be\u09a4\u09be\u09b0 \u09a6\u09c7\u0993\u09af\u09bc\u09be \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09ae\u09b0\u09cd\u09a5\u09cd\u09af \u09ad\u09bf\u09a8\u09cd\u09a8 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/p>\n<hr data-start=\"1409\" data-end=\"1412\" \/>\n<h4 data-start=\"1414\" data-end=\"1491\"><strong data-start=\"1419\" data-end=\"1491\">\u09ea. \u09e7 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09ac\u09c7\u09a4\u09a8 \u098f\u09ac\u0982 \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3 \u09a6\u09bf\u09af\u09bc\u09c7 \u0986\u09ae\u09bf \u0995\u09a4 \u09a6\u09be\u09ae\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac?<\/strong><\/h4>\n<p data-start=\"1492\" data-end=\"1817\">\u0986\u09aa\u09a8\u09be\u09b0 \u09af\u09a6\u09bf \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3 \u09a5\u09be\u0995\u09c7, \u09a4\u09be\u09b9\u09b2\u09c7 \u09e7,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09aa\u09a8\u09bf \u09af\u09c7 \u09a7\u09b0\u09a8\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8, \u09a4\u09be\u09b0 \u09a6\u09be\u09ae \u0995\u09ae\u09c7 \u09af\u09be\u09ac\u09c7\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c\u09c7\u09b0 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09af\u09bc\u09c7\u09b0 \u09e8\u09ee-\u09e9\u09e6% \u098f\u09b0 \u09ac\u09c7\u09b6\u09bf \u09b9\u0993\u09af\u09bc\u09be \u0989\u099a\u09bf\u09a4 \u09a8\u09af\u09bc, \u09a4\u09be\u0987 \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3\u09c7\u09b0 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf\u09b8\u09b9 \u09e7,\u09e6\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf\u09b0 \u09a6\u09be\u09ae \u09e9,\u09e6\u09e6,\u09e6\u09e6\u09e6\u2013\u09ea,\u09eb\u09e6,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0\u09c7 \u09b8\u09c0\u09ae\u09be\u09ac\u09a6\u09cd\u09a7 \u09a5\u09be\u0995\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7, \u09af\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u099b\u09be\u09a4\u09cd\u09b0 \u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09c7\u0964<\/p>\n<hr data-start=\"1819\" data-end=\"1822\" \/>\n<h4 data-start=\"1824\" data-end=\"1877\"><strong data-start=\"1829\" data-end=\"1877\">\u09eb. \u09a1\u09c7\u09ad \u09b0\u200d\u09cd\u09af\u09be\u09ae\u099c\u09bf: \u0986\u09ae\u09bf \u0995\u09a4 \u09a6\u09be\u09ae\u09c7\u09b0 \u09ac\u09be\u09a1\u09bc\u09bf \u0995\u09bf\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac?<\/strong><\/h4>\n<p data-start=\"1878\" data-end=\"2231\">\u09a1\u09c7\u09ad \u09b0\u200d\u09cd\u09af\u09be\u09ae\u099c\u09bf\u09b0 \u09aa\u09b0\u09be\u09ae\u09b0\u09cd\u09b6 \u09b9\u09b2\u09cb, \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09b0\u09cd\u099f\u0997\u09c7\u099c\u09c7\u09b0 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09ae\u09be\u09b8\u09bf\u0995 \u09b9\u09be\u09a4\u09c7 \u09aa\u09be\u0993\u09af\u09bc\u09be \u0986\u09af\u09bc\u09c7\u09b0 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