{"id":106,"date":"2025-03-01T11:00:57","date_gmt":"2025-03-01T07:00:57","guid":{"rendered":"https:\/\/nexuslawblog.com\/?p=106"},"modified":"2025-07-26T12:49:42","modified_gmt":"2025-07-26T08:49:42","slug":"fizikuri-piris-dakrediteba","status":"publish","type":"post","link":"https:\/\/nexuslawblog.com\/en\/2025\/03\/01\/fizikuri-piris-dakrediteba\/","title":{"rendered":"\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10d8\u10dc\u10ea\u10d8\u10de\u10d4\u10d1\u10d8"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u201e\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u201c<sup data-fn=\"30721c33-5970-4212-89fe-5d04edeba47b\" class=\"fn\"><a href=\"#30721c33-5970-4212-89fe-5d04edeba47b\" id=\"30721c33-5970-4212-89fe-5d04edeba47b-link\">1<\/a><\/sup> 2020 \u10ec\u10da\u10d8\u10e1 15 \u10d0\u10de\u10e0\u10d8\u10da\u10d8\u10d3\u10d0\u10dc \u10d0\u10ee\u10d0\u10da\u10d8 \u10e0\u10d4\u10d3\u10d0\u10e5\u10ea\u10d8\u10d8\u10d7 \u10d0\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d3\u10d0. \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10d7\u10d0\u10e0\u10d8\u10e6\u10d8\u10d3\u10d0\u10dc \u10eb\u10d0\u10da\u10d0\u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10e3\u10da\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10ea\u10ee\u10d0\u10d3\u10d3\u10d0 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10dc\u10d0\u10db\u10d3\u10d4 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d8 \u10e0\u10d4\u10d3\u10d0\u10e5\u10ea\u10d8\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10eb\u10d0\u10da\u10d0\u10e8\u10d8 2019 \u10ec\u10da\u10d8\u10e1 01 \u10d8\u10d0\u10dc\u10d5\u10e0\u10d8\u10d3\u10d0\u10dc \u10e8\u10d4\u10d5\u10d8\u10d3\u10d0. \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d8\u10e7\u10dd \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e0\u10d8\u10d2\u10d8 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10ec\u10d8\u10da\u10d0\u10d3 \u10e8\u10d4\u10e0\u10d1\u10d8\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d0\u10e8\u10d8 \u10db\u10dd\u10e7\u10d5\u10d0\u10dc\u10d8\u10e1 \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10d7, \u10e0\u10d0\u10ea, \u10e1\u10d0\u10d1\u10dd\u10da\u10dd\u10dd \u10ef\u10d0\u10db\u10e8\u10d8, \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10d8 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d6\u10d4 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10d0\u10e1 \u10d8\u10e1\u10d0\u10ee\u10d0\u10d5\u10e1 \u10db\u10d8\u10d6\u10dc\u10d0\u10d3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10ec\u10d8\u10dc\u10d0\u10db\u10d3\u10d4\u10d1\u10d0\u10e0\u10d4 \u10d1\u10da\u10dd\u10d2\u10d8 \u10d4\u10eb\u10e6\u10d5\u10dc\u10d4\u10d1\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10d8\u10dc\u10ea\u10d8\u10de\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10db \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10d9\u10da\u10d4\u10d3 \u10db\u10d8\u10db\u10dd\u10ee\u10d8\u10da\u10d5\u10d0\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10db\u10d0\u10e1 \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10eb\u10d5\u10d4\u10da\u10d8 \u10e0\u10d4\u10d3\u10d0\u10e5\u10ea\u10d8\u10d8\u10e1\u10d0\u10d2\u10d0\u10dc \u10d2\u10d0\u10dc\u10d0\u10e1\u10ee\u10d5\u10d0\u10d5\u10d4\u10d1\u10e1.<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-medium-font-size\">\u10e0\u10d0 \u10db\u10d8\u10d6\u10d0\u10dc\u10e1 \u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">2019 \u10ec\u10da\u10d8\u10e1 01 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(\u10d7\u10d0\u10d5\u10d3\u10d4\u10d1\u10dd\u10d1\u10d0, \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10d0) \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1, \u10d7\u10d0\u10dc\u10d0\u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10db\u10ec\u10dd\u10d3\u10d4\u10d1\u10da\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8\u10e1 (\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d7\u10d0\u10dc\u10d0\u10d3\u10dd \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10e1) \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d1\u10e0\u10eb\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d0\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10d0\u10db\u10d3\u10d4 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10d0\u10e8\u10d8 \u10ee\u10e8\u10d8\u10e0\u10d8 \u10d8\u10e7\u10dd \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d4\u10d1\u10d8, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10e1\u10d0\u10ea\u10d4\u10db\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d8\u10e1\u10d0\u10e1 \u10d2\u10d0\u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10dd\u10d3\u10d0 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\u10d3\u10dd\u10d9\u10e3\u10db\u10d4\u10dc\u10e2\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10d3\u10d0\u10db\u10dd\u10ec\u10db\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d0\u10dc \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10d0\u10e2\u10d0\u10e0\u10d4\u10d1\u10d3\u10d0 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e4\u10dd\u10e0\u10db\u10d0\u10da\u10e3\u10e0 \u10ee\u10d0\u10e1\u10d8\u10d0\u10d7\u10e1. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d0\u10ee\u10d0\u10da\u10d8 \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d0, \u10d4\u10e0\u10d7\u10d8 \u10db\u10ee\u10e0\u10d8\u10d5, \u10db\u10d8\u10d6\u10dc\u10d0\u10d3 \u10d8\u10e1\u10d0\u10ee\u10d0\u10d5\u10e1 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0\u10e1 \u10ed\u10d0\u10e0\u10d1\u10d5\u10d0\u10da\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d5\u10d0\u10da\u10d0\u10e3\u10d5\u10d0\u10da\u10dd\u10d1\u10d8\u10e1\u10d0\u10d2\u10d0\u10dc (\u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d0, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10de\u10d8\u10e0\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e1\u10d8\u10e0\u10d7\u10e3\u10da\u10d4\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd \u10d0\u10e6\u10d0\u10e0 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0) \u10ee\u10dd\u10da\u10dd, \u10db\u10d4\u10dd\u10e0\u10d4 \u10db\u10ee\u10e0\u10d8\u10d5, \u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0 \u10e1\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10d8 \u10d3\u10d0 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10dd\u10dc\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10ee\u10d4\u10da\u10e8\u10d4\u10ec\u10e7\u10dd\u10d1\u10d0\u10e1.<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-medium-font-size\">\u10e0\u10d0\u10e1 \u10d2\u10e3\u10da\u10d8\u10e1\u10ee\u10db\u10dd\u10d1\u10e1 \u10de\u10d0\u10e1\u10e3\u10ee\u10d8\u10e1\u10db\u10d2\u10d4\u10d1\u10da\u10d8\u10d0\u10dc\u10d8 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d0?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10ee\u10db\u10d0\u10d3, \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db\u10db\u10d0 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10db\u10d0 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d4\u10da \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0 \u10de\u10d8\u10e0\u10d4\u10d1\u10d6\u10d4, \u10db\u10d0\u10d7 \u10e8\u10dd\u10e0\u10d8\u10e1, \u10d8\u10dc\u10d3\u10d8\u10d5\u10d8\u10d3\u10e3\u10d0\u10da\u10e3\u10e0 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10d4\u10d1\u10d6\u10d4 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d8\u10e1\u10d0\u10e1, \u10d0\u10d2\u10e0\u10d4\u10d7\u10d5\u10d4 \u10de\u10d8\u10e0\u10d8\u10e1\u10d0\u10d2\u10d0\u10dc \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d8\u10e1\u10d0\u10e1 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10ee\u10d4\u10da\u10db\u10eb\u10e6\u10d5\u10d0\u10dc\u10d4\u10da\u10dd\u10dc \u201e\u10de\u10d0\u10e1\u10e3\u10ee\u10d8\u10e1\u10db\u10d2\u10d4\u10d1\u10da\u10d8\u10d0\u10dc\u10d8 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10d8\u10dc\u10ea\u10d8\u10de\u10d8\u10d7\u201c (responsible lending), \u10d9\u10d4\u10e0\u10eb\u10dd\u10d3, \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10dd\u10dc \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e4\u10e3\u10eb\u10d5\u10da\u10d8\u10d0\u10dc\u10d8 \u10e8\u10d4\u10e1\u10ec\u10d0\u10d5\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2 \u10d3\u10d0 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8 \u10d2\u10d0\u10e1\u10ea\u10d4\u10dc \u10d8\u10db \u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d8\u10d7, \u10e0\u10d8\u10e1\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e3\u10dc\u10d0\u10e0\u10d8\u10ea \u10e0\u10d4\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10e8\u10d4\u10e1\u10ec\u10d4\u10d5\u10e1 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d4\u10da\u10e1\/\u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10db\u10ec\u10dd\u10d3\u10d4\u10d1\u10d4\u10da\u10e1<sup data-fn=\"d263e9a3-5ad2-490d-94c2-c8f15a5e49bf\" class=\"fn\"><a href=\"#d263e9a3-5ad2-490d-94c2-c8f15a5e49bf\" id=\"d263e9a3-5ad2-490d-94c2-c8f15a5e49bf-link\">2<\/a><\/sup>. \u10e1\u10ee\u10d5\u10d0 \u10e1\u10d8\u10e2\u10e7\u10d5\u10d4\u10d1\u10d8\u10d7 \u10e0\u10dd\u10db \u10d5\u10d7\u10e5\u10d5\u10d0\u10d7, \u10de\u10d8\u10e0\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e2\u10d5\u10d8\u10e0\u10d7\u10d8 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e7\u10dd\u10e1 \u10db\u10d8\u10e1\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10de\u10dd\u10d6\u10d8\u10ea\u10d8\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10d6\u10dd\u10db\u10d8\u10d4\u10e0\u10d8.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10ec\u10d4\u10e1\u10d8 \u10d5\u10e0\u10ea\u10d4\u10da\u10d3\u10d4\u10d1\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d6\u10d4, \u10d8\u10e1\u10d4 \u10db\u10d8\u10d9\u10e0\u10dd\u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d6\u10d4, \u10db\u10d8\u10d9\u10e0\u10dd\u10e1\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10dd \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10d6\u10d4, \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10d6\u10d4, \u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10dd \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u201e\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db \u10e1\u10e3\u10d1\u10d8\u10d4\u10e5\u10e2\u10d4\u10d1\u10d6\u10d4\u201c, \u10e0\u10d0\u10ea, \u10d7\u10d0\u10d5\u10d8\u10e1 \u10db\u10ee\u10e0\u10d8\u10d5, \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10de\u10d8\u10e0\u10e1 \u10d0\u10dc \u10de\u10d8\u10e0\u10d7\u10d0 \u10ef\u10d2\u10e3\u10e4\u10e1, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10d0\u10ea \u10d4\u10e0\u10d7\u10d3\u10e0\u10dd\u10e3\u10da\u10d0\u10d3 20-\u10d6\u10d4 \u10db\u10d4\u10e2 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0 \u10de\u10d8\u10e0\u10e1 (\u10db\u10d0\u10d7 \u10e8\u10dd\u10e0\u10d8\u10e1, \u10d8\u10dc\u10d3\u10d8\u10d5\u10d8\u10d3\u10e3\u10d0\u10da\u10e3\u10e0 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10e1) \u10d0\u10e5\u10d5\u10e1 \u10e1\u10d0\u10e1\u10d4\u10e1\u10ee\u10dd\/\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4-3 \u10db\u10e3\u10ee\u10da\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d6\u10d4\u10db\u10dd\u10e9\u10d0\u10db\u10dd\u10d7\u10d5\u10da\u10d8\u10da \u10e1\u10e3\u10d1\u10d8\u10d4\u10e5\u10e2\u10d7\u10d0 \u10de\u10d0\u10e1\u10e3\u10ee\u10d8\u10e1\u10db\u10d2\u10d4\u10d1\u10da\u10d8\u10d0\u10dc\u10d8 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10d8\u10dc\u10ea\u10d8\u10de\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1 \u10e5\u10ea\u10d4\u10d5\u10d8\u10e1 \u10ec\u10d4\u10e1\u10d4\u10d1\u10e1 \u10d0\u10d3\u10d2\u10d4\u10dc\u10e1, \u10d8\u10e3\u10ec\u10e7\u10d4\u10d1\u10d0, \u10e0\u10dd\u10db \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e7\u10dd\u10e1 \u201e\u10d3\u10d4\u10e2\u10d0\u10da\u10e3\u10e0\u10d8\u201c \u10d3\u10d0 \u201e\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d8\u10e1 \u10d7\u10d0\u10dd\u10d1\u10d0\u10d6\u10d4 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d0 \u10d0\u10e0 \u10e3\u10dc\u10d3\u10d0 \u10d4\u10e4\u10e3\u10eb\u10dc\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d8\u10db \u10e4\u10d0\u10e5\u10e2\u10e1, \u10e0\u10dd\u10db \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10d0\u10e5\u10e2\u10d8\u10d5\u10d8\u10e1 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0 \u10d0\u10e6\u10d4\u10db\u10d0\u10e2\u10d4\u10d1\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0\u10e1.\u201c <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d7\u10e3 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d0 \u10db\u10dd\u10ee\u10d3\u10d0 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 (\u10d8\u10ee. \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 1-\u10da\u10d8 \u10db\u10e3\u10ee\u10da\u10d8\u10e1 \u10db\u10d4-4 \u10de\u10e3\u10dc\u10e5\u10e2\u10d8 \u10d3\u10d0 \u10db\u10d4-9 \u10de\u10e3\u10dc\u10e5\u10e2\u10d8\u10e1 \u201e\u10d1\u201c \u10e5\u10d5\u10d4\u10de\u10e3\u10dc\u10e5\u10e2\u10d8), \u10d3\u10d4\u10e4\u10dd\u10da\u10e2\u10d8\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d0 \u10d3\u10d0\u10d8\u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10dd\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10d7 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10d8\u10e1 \u10e1\u10d0\u10d2\u10dc\u10d8\u10e1 \u10e0\u10d4\u10d0\u10da\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10d7 \u10d0\u10dc \u10d3\u10d0\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10d8\u10d7). \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10e1\u10ee\u10d5\u10d0 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0\u10d6\u10d4 \u10d8\u10d2\u10d8 \u10d0\u10e6\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d0\u10e1 \u10d5\u10d4\u10e0 \u10db\u10d8\u10d0\u10e5\u10ea\u10d4\u10d5\u10e1. \u10d2\u10d0\u10db\u10dd\u10dc\u10d0\u10d9\u10da\u10d8\u10e1\u10d8\u10d0 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e0\u10d4\u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\/\u10e0\u10d4\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e0\u10d4\u10d1\u10d0, \u10e0\u10d0 \u10d3\u10e0\u10dd\u10e1\u10d0\u10ea \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d8 \u10e1\u10d0\u10ee\u10d4\u10da\u10e8\u10d4\u10d9\u10e0\u10e3\u10da\u10d4\u10d1\u10dd \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8 \u10e3\u10ea\u10d5\u10da\u10d4\u10da\u10d8 \u10e0\u10e9\u10d4\u10d1\u10d0.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d0\u10e1\u10d4\u10d5\u10d4 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10d3\u10d0\u10dc\u10d0\u10ec\u10d4\u10e1\u10d8 \u10d8\u10db\u10d8\u10e1 \u10d7\u10d0\u10dd\u10d1\u10d0\u10d6\u10d4, \u10e0\u10dd\u10db \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e0\u10d4\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e0\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10e0\u10d4\u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e0\u10d4\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8\/\u10e0\u10d4\u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d8\u10d6\u10d4\u10d1\u10e3\u10da\u10d8 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e4\u10d0\u10e0\u10d5\u10d0\u10e1 \u10d3\u10d0 \u10d0\u10e0\u10d0 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10ef\u10d0\u10db\u10e3\u10e0\u10d8 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d0\u10e1.<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-medium-font-size\">\u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10d5\u10d0\u10d3\u10d0?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10e2\u10d8\u10de\u10d8\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8, \u10e1\u10d0\u10e2\u10e0\u10d0\u10dc\u10e1\u10de\u10dd\u10e0\u10e2\u10dd, \u201e\u10e9\u10d5\u10d4\u10e3\u10da\u10d4\u10d1\u10e0\u10d8\u10d5\u10d8\u201c \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd) \u10d3\u10d0\u10ec\u10d4\u10e1\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10ee\u10d0\u10dc\u10d2\u10e0\u10eb\u10da\u10d8\u10d5\u10dd\u10d1\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea 4-\u10d3\u10d0\u10dc 20 \u10ec\u10da\u10d0\u10db\u10d3\u10d4 \u10db\u10d4\u10e0\u10e7\u10d4\u10dd\u10d1\u10e1. \u10e3\u10e4\u10e0\u10dd \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d0\u10d3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u10da\u10d0\u10e0\u10e8\u10d8 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8<sup data-fn=\"0530214a-44df-4388-8f6e-479781d5460a\" class=\"fn\"><a href=\"#0530214a-44df-4388-8f6e-479781d5460a\" id=\"0530214a-44df-4388-8f6e-479781d5460a-link\">3<\/a><\/sup> \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8 \u2013 20 \u10ec\u10d4\u10da\u10d8;<\/li>\n\n\n\n<li>\u10e3\u10ea\u10ee\u10dd\u10e3\u10e0\u10d8 \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10d7 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8, \u10d7\u10e3 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10e8\u10d4\u10dc\u10d0\u10e2\u10d0\u10dc\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10db\u10d0\u10d5\u10d4 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10e4\u10d0\u10e0\u10d3\u10dd\u10d1\u10d8\u10d7 \u10d0\u10e0 \u10d8\u10e0\u10e6\u10d5\u10d4\u10d5\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8 (\u10d8\u10ee. \u10e5\u10d5\u10d4\u10db\u10dd\u10d7) \u2013 20 \u10ec\u10d4\u10da\u10d8; <\/li>\n\n\n\n<li>\u10e3\u10ea\u10ee\u10dd\u10e3\u10e0\u10d8 \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10d7 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8, \u10d7\u10e3 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10d3\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8\u10d0 \u2013 10 \u10ec\u10d4\u10da\u10d8;<\/li>\n\n\n\n<li>\u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10da\u10d8\u10d0 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10d7 \u2013 10 \u10ec\u10d4\u10da\u10d8;<\/li>\n\n\n\n<li>\u10d0\u10e0\u10d0\u10e1\u10d0\u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10dd \u10db\u10d8\u10d6\u10dc\u10dd\u10d1\u10e0\u10d8\u10dd\u10d1\u10d8\u10d7 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d0\u10e2\u10e0\u10d0\u10dc\u10e1\u10de\u10dd\u10e0\u10e2\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8 \u2013 6 \u10ec\u10d4\u10da\u10d8; <\/li>\n\n\n\n<li>\u10e1\u10ee\u10d5\u10d0 \u10e2\u10d8\u10de\u10d8\u10e1 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8 \u2013 4 \u10ec\u10d4\u10da\u10d8.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading has-medium-font-size\">\u10e0\u10d0 \u10d0\u10e0\u10d8\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3 \u10e0\u10dd\u10db \u10d5\u10d7\u10e5\u10d5\u10d0\u10d7, \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8\u10d7 (Payment-to-income ratio, \u10d8\u10d2\u10d8\u10d5\u10d4 PTI \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8) \u10d3\u10d2\u10d8\u10dc\u10d3\u10d4\u10d1\u10d0 \u10d8\u10db \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d6\u10d4\u10d3\u10d0 \u10d6\u10e6\u10d5\u10d0\u10e0\u10d8, \u10e0\u10d0\u10ea \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d0\u10d3 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e5\u10dc\u10d4\u10e1 \u10e1\u10d0\u10e1\u10d4\u10e1\u10ee\u10dd \u10d3\u10d0\u10d5\u10d0\u10da\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10e4\u10d0\u10e0\u10d0\u10d3 (\u10d0\u10dc\u10e3 \u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10e8\u10d4\u10dc\u10d0\u10e2\u10d0\u10dc\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0) \u10d3\u10d0 \u10d2\u10d0\u10db\u10dd\u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d3\u10d4\u10d1\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e1\u10d4\u10e1\u10ee\u10d6\u10d4 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d3\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e0\u10d3\u10d4\u10d1\u10d0 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d7\u10d0\u10dc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10ee\u10db\u10d0\u10d3, \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10e1 \u10d4\u10d9\u10e0\u10eb\u10d0\u10da\u10d4\u10d1\u10d0 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d0 \u10d0\u10dc \u10db\u10d8\u10e1\u10d2\u10d0\u10dc \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0, \u10d7\u10e3 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8 \u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8, \u10d9\u10d4\u10e0\u10eb\u10dd\u10d3:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 (\u10da\u10d0\u10e0\u10e8\u10d8 \u10d0\u10dc \u10db\u10d8\u10e1 \u10d4\u10d9\u10d5\u10d8\u10d5\u10d0\u10da\u10d4\u10dc\u10e2 \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8)<\/td><td>\u10e1\u10d4\u10e1\u10ee\u10d8 \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 (\u10d2\u10d0\u10e0\u10d3\u10d0 \u10d8\u10db \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d8\u10e1\u10d0, \u10e0\u10dd\u10ea\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8\u10ea \u10d8\u10db\u10d0\u10d5\u10d4 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8\u10d0)<\/td><td>\u10e1\u10d4\u10e1\u10ee\u10d8 \u10da\u10d0\u10e0\u10e8\u10d8 (\u10d0\u10dc \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8, \u10d7\u10e3 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10d8\u10db\u10d0\u10d5\u10d4 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8\u10d0)<\/td><\/tr><tr><td>&lt;1,500<\/td><td>20%<\/td><td>25%<\/td><\/tr><tr><td>&gt;=1,500<\/td><td>30%<\/td><td>50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d7\u10e3 \u10de\u10d8\u10e0\u10d8\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 3,000 \u10da\u10d0\u10e0\u10d8\u10d0, \u10e1\u10d4\u10e1\u10ee\u10d8 \u10d9\u10d8 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d0\u10e5\u10d5\u10e1 \u10d0\u10e6\u10d4\u10d1\u10e3\u10da\u10d8, \u10db\u10d0\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10e1\u10d4\u10e1\u10ee\u10e1 \u10d7\u10d5\u10d8\u10e3\u10e0\u10d0\u10d3 \u201e\u10db\u10dd\u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10dd\u10e1\u201c \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10e3\u10db 1,500 \u10da\u10d0\u10e0\u10d8\u10e1 (3,000-\u10d8\u10e1 50%) \u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d8\u10d7, \u10ee\u10dd\u10da\u10dd \u10d7\u10e3 \u10e1\u10d4\u10e1\u10ee\u10d8 \u10d0\u10e8\u10e8 \u10d3\u10dd\u10da\u10d0\u10e0\u10e8\u10d8\u10d0 \u2013 900 \u10da\u10d0\u10e0\u10d8\u10e1 (3,000-\u10d8\u10e1 30%) \u10e4\u10d0\u10e0\u10d2\u10da\u10d4\u10d1\u10e8\u10d8.&nbsp;&nbsp;<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-medium-font-size\">\u10e0\u10d0 \u10d0\u10e0\u10d8\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8\u10d7 (Loan-to-value ratio, \u10d8\u10d2\u10d8\u10d5\u10d4 LTV \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8) \u10d3\u10d2\u10d8\u10dc\u10d3\u10d4\u10d1\u10d0 \u10d2\u10d0\u10e1\u10d0\u10ea\u10d4\u10db\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0 \u10db\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e1\u10d0\u10e7\u10dd\u10e4\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10e1\u10d0\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d1\u10d0\u10d6\u10e0\u10dd \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d8\u10d7 (\u10d4.\u10d8. \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8 \u10e3\u10d9\u10d0\u10dc\u10d0\u10e1\u10d9\u10dc\u10d4\u10da\u10d8\u10e1 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10e1 \u10d0\u10e0 \u10e3\u10dc\u10d3\u10d0 \u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10d3\u10d4\u10e1) \u10d3\u10d0 \u10d2\u10d0\u10db\u10dd\u10d8\u10d7\u10d5\u10da\u10d4\u10d1\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10e4\u10d0\u10e0\u10d3\u10dd\u10d1\u10d0 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d1\u10d0\u10d6\u10e0\u10dd \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e1\u10d7\u10d0\u10dc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0 \u10de\u10d8\u10e0\u10d6\u10d4 \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d0 \u10d3\u10d0\u10e1\u10d0\u10e8\u10d5\u10d4\u10d1\u10d8\u10d0 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e5\u10d5\u10d4\u10db\u10dd\u10ec\u10d0\u10e0\u10db\u10dd\u10d3\u10d2\u10d4\u10dc\u10d8\u10da\u10d8 LTV \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d8\u10e1 \u10de\u10d8\u10e0\u10dd\u10d1\u10d8\u10d7. \u10d0\u10dc\u10d0\u10da\u10dd\u10d2\u10d8\u10e3\u10e0\u10d8 \u10e8\u10d4\u10d6\u10e6\u10e3\u10d3\u10d5\u10d0 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10e1 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10d7 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10da\u10d8 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7, \u10d7\u10e3 \u10db\u10d8\u10e1\u10d8 \u10d5\u10d0\u10d3\u10d0 4 \u10ec\u10d4\u10da\u10e1 \u10d0\u10e6\u10d4\u10db\u10d0\u10e2\u10d4\u10d1\u10d0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8\u10e1<\/strong><strong> (LTV)<\/strong><strong> \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8<\/strong><strong><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u10da\u10d0\u10e0\u10e8\u10d8 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1<\/td><td class=\"has-text-align-center\" data-align=\"center\">90%<\/td><\/tr><tr><td>\u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1<\/td><td class=\"has-text-align-center\" data-align=\"center\">70%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, 100,000 \u10da\u10d0\u10e0\u10d8\u10e1 \u10e1\u10d0\u10d1\u10d0\u10d6\u10e0\u10dd \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10e5\u10dd\u10dc\u10d4 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10d4\u10dc\u10d0\u10d3 \u10e8\u10d4\u10eb\u10da\u10d4\u10d1\u10d7 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10e3\u10db 90,000 \u10da\u10d0\u10e0\u10d8\u10e1 (100,000-\u10d8\u10e1 90%) \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d0\u10e6\u10d4\u10d1\u10d0\u10e1. &nbsp;&nbsp;<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-medium-font-size\">\u10e0\u10d8\u10d7 \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d3\u10d4\u10d1\u10d0 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0 \u10db\u10d0\u10dc\u10d0\u10db\u10d3\u10d4 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d8 \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10e1\u10d2\u10d0\u10dc?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u10de\u10d8\u10e0\u10d5\u10d4\u10da \u10e0\u10d8\u10d2\u10e8\u10d8 \u10d0\u10e6\u10e1\u10d0\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10d8\u10d0, \u10e0\u10dd\u10db \u201e\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1\u201c 2020 \u10ec\u10da\u10d8\u10e1 13 \u10db\u10d0\u10e0\u10e2\u10d8\u10e1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10d0\u10ee\u10da\u10d4\u10d1\u10e3\u10e0\u10d0\u10d3 \u10d2\u10d0\u10dc\u10d8\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 (PTI) \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8, \u10db\u10d0\u10d7 \u10e8\u10dd\u10e0\u10d8\u10e1, \u10d9\u10d0\u10e2\u10d4\u10d2\u10dd\u10e0\u10d8\u10d4\u10d1\u10d8 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d3\u10d0 \u10dd\u10d7\u10ee\u10d8\u10d3\u10d0\u10dc \u10dd\u10e0\u10d0\u10db\u10d3\u10d4, \u10d0\u10d2\u10e0\u10d4\u10d7\u10d5\u10d4 \u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d3\u10d0 \u10db\u10d0\u10d7\u10d8 \u10d2\u10d0\u10db\u10dd\u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d4\u10e1\u10d8.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d8\u10e1\u10d8\u10ea \u10e1\u10d0\u10d2\u10e3\u10da\u10d8\u10e1\u10ee\u10db\u10dd\u10d0, \u10e0\u10dd\u10db \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10e1 \u10e1\u10d0\u10d6\u10e6\u10d5\u10d0\u10e0\u10d2\u10d0\u10e0\u10d4\u10d7 \u10d8\u10e6\u10d4\u10d1\u10d4\u10dc, \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8\u10e1 (LTV) \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0 60%-\u10d3\u10d0\u10dc 70%-\u10db\u10d3\u10d4 (\u10d0\u10db\u10df\u10d0\u10db\u10d0\u10d3 \u2013 80%), \u10e0\u10d0\u10ea \u10d8\u10db\u10d0\u10e1 \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1, \u10e0\u10dd\u10db \u10d8\u10db\u10d0\u10d5\u10d4 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10dc\u10d8\u10d5\u10d7\u10dd \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10d7 (\u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10d7) \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2\u10d8 \u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d0\u10d0 \u10dc\u10d4\u10d1\u10d0\u10d3\u10d0\u10e0\u10d7\u10e3\u10da\u10d8.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10ee\u10d0\u10dc\u10d2\u10e0\u10eb\u10da\u10d8\u10d5\u10dd\u10d1\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10e2\u10d8\u10de\u10d6\u10d4 \u10d3\u10d0 4-\u10d3\u10d0\u10dc 20 \u10ec\u10da\u10d0\u10db\u10d3\u10d4 \u10db\u10d4\u10e0\u10e7\u10d4\u10dd\u10d1\u10e1 (\u10dc\u10d0\u10ea\u10d5\u10da\u10d0\u10d3 15-\u10d8\u10e1\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d4\u10e1 \u10eb\u10d5\u10d4\u10da \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d0\u10e8\u10d8 \u10d8\u10e7\u10dd).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d0\u10db\u10d0\u10e1\u10d7\u10d0\u10dc, \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10d7\u10d5\u10da\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10e8\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db \u10e1\u10e3\u10d1\u10d8\u10d4\u10e5\u10e2\u10d4\u10d1\u10e1 \u10e3\u10e4\u10da\u10d4\u10d1\u10d0 \u10d4\u10dc\u10d8\u10ed\u10d4\u10d1\u10d0\u10d7, \u10e8\u10d4\u10d8\u10db\u10e3\u10e8\u10d0\u10dd\u10dc \u10d3\u10d0 \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10d4\u10dc\u10dd\u10dc \u10d0\u10d3\u10d4\u10d9\u10d5\u10d0\u10e2\u10e3\u10e0\u10d8 \u10e8\u10d8\u10d3\u10d0 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10d0-\u10de\u10e0\u10dd\u10ea\u10d4\u10d3\u10e3\u10e0\u10d4\u10d1\u10d8 \u10d8\u10db \u10de\u10d8\u10e0\u10d7\u10d0 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10d7\u10d5\u10da\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10e1 \u10d0\u10e0\u10d0\u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10e0\u10e3\u10da\u10d8 (\u201e\u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8\u10e1\u10d2\u10d0\u10dc \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d4\u10d1\u10e3\u10da\u10d8\u201c) \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e3\u10da\u10dd\u10d1\u10d8\u10d7 \u10d8\u10e6\u10d4\u10d1\u10d4\u10dc. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d2\u10d0\u10e0\u10d3\u10d0 \u10d0\u10db\u10d8\u10e1\u10d0, \u10d7\u10e3 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10d3\u10d0\u10d3\u10d0\u10e1\u10e2\u10e3\u10e0\u10d4\u10d1\u10d0 \u10e8\u10d4\u10e3\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8\u10d3\u10d0\u10dc \u10e1\u10d0\u10ee\u10d4\u10da\u10e4\u10d0\u10e1\u10dd \u10d0\u10db\u10dd\u10dc\u10d0\u10ec\u10d4\u10e0\u10d8\u10d7 \u10d0\u10dc \u10e1\u10e1\u10d8\u10de \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10ea\u10dc\u10dd\u10d1\u10d8\u10d7 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10de\u10d8\u10e0\u10d8 \u10ee\u10d4\u10da\u10e4\u10d0\u10e1\u10e1 \u201e\u10e5\u10d4\u10e8\u10d8\u10e1\u201c \u10e1\u10d0\u10ee\u10d8\u10d7 \u10d8\u10e6\u10d4\u10d1\u10e1), \u10db\u10d8\u10e1\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8\u10e1 \u10e9\u10d0\u10e2\u10d0\u10e0\u10d4\u10d1\u10d0 \u10d3\u10d0\u10e1\u10d0\u10e8\u10d5\u10d4\u10d1\u10d8 \u10ee\u10d3\u10d4\u10d1\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d6\u10d4 \u10d3\u10d0\u10e4\u10e3\u10eb\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10e0\u10d8\u10d5\u10d8\/\u10e1\u10e2\u10d0\u10e2\u10d8\u10e1\u10e2\u10d8\u10d9\u10e3\u10e0\u10d8) \u10db\u10dd\u10d3\u10d4\u10da\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10d7, \u10d8\u10e1\u10d4\u10d5\u10d4 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e1\u10e4\u10d4\u10e0\u10dd\u10e1\u10d0 \u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10d3\u10d2\u10d4\u10dc\u10d0\u10d3 \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d8 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 (\u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d0\u10d3\u10d2\u10d8\u10da\u10d6\u10d4 \u10d5\u10d8\u10d6\u10d8\u10e2\u10d8, \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d0 \u10d0\u10e0\u10d0\u10de\u10d8\u10e0\u10d3\u10d0\u10de\u10d8\u10e0\u10d8 \u10db\u10d4\u10d7\u10dd\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10d7, \u10d0.\u10e8.) \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d8\u10d7, \u10e0\u10d0\u10ea \u10d0\u10d2\u10e0\u10d4\u10d7\u10d5\u10d4 \u10d0\u10e1\u10d0\u10ee\u10e3\u10da\u10d8 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e7\u10dd\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db\u10d8 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1 \u10e8\u10d8\u10d3\u10d0 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10d0-\u10de\u10e0\u10dd\u10ea\u10d4\u10d3\u10e3\u10e0\u10d4\u10d1\u10e8\u10d8. \u10db\u10d8\u10d7\u10d8\u10d7\u10d4\u10d1\u10e3\u10da\u10d8 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8, \u10e0\u10d0 \u10e1\u10d0\u10d9\u10d5\u10d8\u10e0\u10d5\u10d4\u10da\u10d8\u10d0, \u10de\u10d0\u10e1\u10e3\u10ee\u10d8\u10e1\u10db\u10d2\u10d4\u10d1\u10d4\u10da\u10d8 \u10e0\u10e9\u10d4\u10d1\u10d8\u10d0\u10dc \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7\u10d8 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10d0-\u10de\u10e0\u10dd\u10ea\u10d4\u10d3\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d0\u10d6\u10d4. \u10ec\u10d8\u10dc\u10d0\u10d0\u10e6\u10db\u10d3\u10d4\u10d2 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10db\u10d0\u10d7 \u10db\u10d8\u10db\u10d0\u10e0\u10d7 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10dd\u10d0 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10e3\u10da \u10d8\u10e5\u10dc\u10d4\u10e1 \u10d9\u10d0\u10dc\u10dd\u10dc\u10db\u10d3\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10d7 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10e3\u10da\u10d8 \u10e1\u10d0\u10dc\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8 (\u10e4\u10e3\u10da\u10d0\u10d3\u10d8 \u10ef\u10d0\u10e0\u10d8\u10db\u10d0). &nbsp;<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-medium-font-size\">\u10d5\u10d8\u10e1\u10d6\u10d4 \u10d0\u10e0 \u10d5\u10e0\u10ea\u10d4\u10da\u10d3\u10d4\u10d1\u10d0 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0 (PTI) \u10d3\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 (LTV) \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8 <em>\u10d0\u10e0 \u10d2\u10d0\u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d0<\/em> \u10e1\u10d0\u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10dd \u10db\u10d8\u10d6\u10dc\u10dd\u10d1\u10e0\u10d8\u10dd\u10d1\u10d8\u10d7 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d8\u10e1\u10d0\u10e1, \u10d0\u10d2\u10e0\u10d4\u10d7\u10d5\u10d4 \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7, \u10d7\u10e3 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d4\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10e1 \u10e1\u10d0\u10d6\u10e6\u10d5\u10d0\u10e0\u10d2\u10d0\u10e0\u10d4\u10d7 \u10d8\u10e6\u10d4\u10d1\u10e1 \u10d3\u10d0 LTV \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d8\u10e1 80%-\u10d8\u10d0\u10dc\u10d8 \u10da\u10d8\u10db\u10d8\u10e2\u10d8 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8\u10d0 \u10e4\u10e3\u10da\u10d0\u10d3\u10d8 \u10e1\u10d0\u10ee\u10e1\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d8\u10d7 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d7\u10d0\u10dc\u10d0\u10db\u10dd\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10dd\u10d1\u10d8\u10d7.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d2\u10d0\u10e0\u10d3\u10d0 \u10d0\u10db\u10d8\u10e1\u10d0, \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0 \u10d0\u10e0 \u10d5\u10e0\u10ea\u10d4\u10da\u10d3\u10d4\u10d1\u10d0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0 \u10de\u10d8\u10e0\u10d6\u10d4, \u10d7\u10e3 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3 \u10db\u10d8\u10e1\u10d8 \u10e1\u10d0\u10e1\u10d4\u10e1\u10ee\u10dd \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10ef\u10d0\u10db\u10d8 1,000,000 \u10da\u10d0\u10e0\u10e1 (\u10d0\u10dc \u10d4\u10d9\u10d5\u10d8\u10d5\u10d0\u10da\u10d4\u10dc\u10e2\u10e1 \u10e1\u10ee\u10d5\u10d0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8) \u10d2\u10d0\u10d3\u10d0\u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10e1;<\/li>\n\n\n\n<li>\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10e1\u10d7\u10d0\u10dc \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e0\u10d4\u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10d6\u10d4, \u10d7\u10e3 \u10d0\u10db\u10d8\u10d7 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 \u10d0\u10e0 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d0;<\/li>\n\n\n\n<li>\u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da \u10d8\u10e1\u10d4\u10d7 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d6\u10d4, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e1\u10e0\u10e3\u10da\u10d0\u10d3\u10d0\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10da\u10d8 \u10db\u10dd\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10d7 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10da\u10dd\u10db\u10d1\u10d0\u10e0\u10d3\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8);<\/li>\n\n\n\n<li>2019 \u10ec\u10da\u10d8\u10e1 1 \u10d8\u10d0\u10dc\u10d5\u10e0\u10d0\u10db\u10d3\u10d4 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10db\u10ea\u10d4\u10db \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10e1\u10d7\u10d0\u10dc \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10d0\u10e1\u10d4\u10e1\u10ee\u10dd \u10dc\u10d0\u10e8\u10d7\u10d4\u10d1\u10d8\u10e1 \u10e0\u10d4\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e0\u10d4\u10d1\u10d0\u10d6\u10d4;<\/li>\n\n\n\n<li>\u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10db\u10ec\u10dd\u10d3\u10d4\u10d1\u10d4\u10da\u10d6\u10d4, \u10d7\u10e3:\n<ul class=\"wp-block-list\">\n<li>\u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10d8\u10d7 \u10d8\u10e2\u10d5\u10d8\u10e0\u10d7\u10d4\u10d1\u10d0 \u10d0\u10e0\u10d0\u10e1\u10d0\u10ea\u10ee\u10dd\u10d5\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10d3\u10d0\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10db\u10d8\u10ec\u10d0 \u10d0\u10dc \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10e4\u10d0\u10e0\u10d7\u10d8);<\/li>\n\n\n\n<li>\u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10d8\u10e1 \u10e1\u10d0\u10d2\u10d0\u10dc\u10d8\u10d0 \u10e1\u10d0\u10ea\u10ee\u10dd\u10d5\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d1\u10d8\u10dc\u10d0 \u10d0\u10dc \u10d8\u10dc\u10d3\u10d8\u10d5\u10d8\u10d3\u10e3\u10d0\u10da\u10e3\u10e0\u10d8 \u10e1\u10d0\u10ea\u10ee\u10dd\u10d5\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10e1\u10d0\u10ee\u10da\u10d8), \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8\u10d0 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d0\u10d7\u10d0 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d0\u10d3 \u10d3\u10d0 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d8\u10e1 \u10d0\u10dc \u10db\u10d8\u10e1\u10d8 \u10dd\u10ef\u10d0\u10ee\u10d8\u10e1 \u10ec\u10d4\u10d5\u10e0\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10d0\u10e8\u10d8 \u10e1\u10e3\u10da \u10db\u10ea\u10d8\u10e0\u10d4 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10d4\u10e0\u10d7\u10d8 \u10e1\u10d0\u10ea\u10ee\u10dd\u10d5\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0 \u10d8\u10e0\u10d8\u10ea\u10ee\u10d4\u10d1\u10d0;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0 \u10de\u10d8\u10e0\u10d6\u10d4, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d0\u10db\u10d3\u10d4 \u10d8\u10db \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4 \u10d8\u10e7\u10dd, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10e8\u10d4\u10eb\u10d4\u10dc\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10dd\u10d1\u10e0\u10d8\u10dd\u10d1\u10d8\u10d7\u10d0\u10ea \u10ee\u10d3\u10d4\u10d1\u10d0 \u10db\u10d8\u10e1\u10d8 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d0;<\/li>\n\n\n\n<li>\u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10e3\u10e0 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d6\u10d4, \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10d8 \u10ec\u10d8\u10dc\u10d0\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10d8\u10e1\u10d0\u10e1. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d3\u10d0\u10d3\u10d2\u10d4\u10dc\u10d8\u10da\u10d8\u10d0 \u10e1\u10ee\u10d5\u10d0 \u10d2\u10d0\u10db\u10dd\u10dc\u10d0\u10d9\u10da\u10d8\u10e1\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10ec\u10d8\u10dc\u10d0\u10db\u10d3\u10d4\u10d1\u10d0\u10e0\u10d4 \u10e1\u10e2\u10d0\u10e2\u10d8\u10d0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10ee\u10d8\u10da\u10e3\u10da\u10d8 \u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u10d0\u10db \u10d3\u10d0 \u10e1\u10ee\u10d5\u10d0 \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d4\u10d1\u10d6\u10d4 \u10d3\u10d4\u10e2\u10d0\u10da\u10e3\u10e0\u10d8 \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d8\u10e1\u10d0\u10e6\u10d4\u10d1\u10d0\u10d3 \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0\u10d7 \u10d2\u10d0\u10d4\u10ea\u10dc\u10dd\u10d7 \u201e\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10db\u10e2\u10d9\u10d8\u10ea\u10d4\u10d1\u10d8\u10e1 \u10d7\u10d0\u10dd\u10d1\u10d0\u10d6\u10d4\u201c \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10de\u10e0\u10d4\u10d6\u10d8\u10d3\u10d4\u10dc\u10e2\u10d8\u10e1 2020 \u10ec\u10da\u10d8\u10e1 13 \u10db\u10d0\u10e0\u10e2\u10d8\u10e1 \u211644\/04 \u10d1\u10e0\u10eb\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e2\u10d4\u10e5\u10e1\u10e2\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10e1\u10d0\u10d9\u10d0\u10dc\u10dd\u10dc\u10db\u10d3\u10d4\u10d1\u10da\u10dd \u10db\u10d0\u10ea\u10dc\u10d4\u10e1 <a href=\"https:\/\/matsne.gov.ge\/ka\/document\/view\/4822603\">\u10d5\u10d4\u10d1\u10d2\u10d5\u10d4\u10e0\u10d3\u10d6\u10d4<\/a> \u10d0\u10dc \u10d4\u10ec\u10d5\u10d8\u10dd\u10d7 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10d5\u10d4\u10d1\u10e1\u10d0\u10d8\u10e2\u10e1 \u10db\u10d8\u10e1\u10d0\u10db\u10d0\u10e0\u10d7\u10d6\u10d4 <a href=\"https:\/\/www.nbg.gov.ge\/\"><em>https:\/\/www.nbg.gov.ge\/<\/em><\/a><em>.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n<ol class=\"wp-block-footnotes\"><li id=\"30721c33-5970-4212-89fe-5d04edeba47b\">\u10d3\u10d0\u10db\u10e2\u10d9\u10d8\u10ea\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10de\u10e0\u10d4\u10d6\u10d8\u10d3\u10d4\u10dc\u10e2\u10d8\u10e1 2020 \u10ec\u10da\u10d8\u10e1 13 \u10db\u10d0\u10e0\u10e2\u10d8\u10e1 \u211644\/04 \u10d1\u10e0\u10eb\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7 \u201e\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10db\u10e2\u10d9\u10d8\u10ea\u10d4\u10d1\u10d8\u10e1 \u10d7\u10d0\u10dd\u10d1\u10d0\u10d6\u10d4\u201c. <a href=\"#30721c33-5970-4212-89fe-5d04edeba47b-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><li id=\"d263e9a3-5ad2-490d-94c2-c8f15a5e49bf\">\u10d8\u10d2\u10e3\u10da\u10d8\u10e1\u10ee\u10db\u10d4\u10d1\u10d0 \u10e1\u10ee\u10d5\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10d6\u10d4 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10e1\u10d0\u10dc\u10d8\u10d5\u10d7\u10dd (\u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10d0) \u10d0\u10dc \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10d7\u10d8 (\u10d7\u10d0\u10d5\u10d3\u10d4\u10d1\u10dd\u10d1\u10d0) \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d0. <a href=\"#d263e9a3-5ad2-490d-94c2-c8f15a5e49bf-link\" aria-label=\"Jump to footnote reference 2\">\u21a9\ufe0e<\/a><\/li><li id=\"0530214a-44df-4388-8f6e-479781d5460a\">\u10d4.\u10d8. \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10d7 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d2\u10d0\u10d8\u10ea\u10d0 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10eb\u10d4\u10dc\u10d0\/\u10db\u10e8\u10d4\u10dc\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\/\u10e0\u10d4\u10db\u10dd\u10dc\u10e2\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10dd\u10d1\u10e0\u10d8\u10dd\u10d1\u10d8\u10d7. <a href=\"#0530214a-44df-4388-8f6e-479781d5460a-link\" aria-label=\"Jump to footnote reference 3\">\u21a9\ufe0e<\/a><\/li><\/ol>\n\n\n<p class=\"has-text-align-right wp-block-paragraph\"><strong>\u00a9 2025 Nexus LLC<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\"><strong><strong><strong>Nexus Law Firm<\/strong><\/strong><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\">For additional information on legal matters that may be of interest to you, please visit our <em>Facebook <\/em>page at <em><a href=\"https:\/\/www.facebook.com\/Nexuslawgroupllc\/\">https:\/\/www.facebook.com\/Nexuslawgroupllc\/<\/a><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\u201e\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u201c 2020 \u10ec\u10da\u10d8\u10e1 15 \u10d0\u10de\u10e0\u10d8\u10da\u10d8\u10d3\u10d0\u10dc \u10d0\u10ee\u10d0\u10da\u10d8 \u10e0\u10d4\u10d3\u10d0\u10e5\u10ea\u10d8\u10d8\u10d7 \u10d0\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d3\u10d0. \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10d7\u10d0\u10e0\u10d8\u10e6\u10d8\u10d3\u10d0\u10dc \u10eb\u10d0\u10da\u10d0\u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10e3\u10da\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10ea\u10ee\u10d0\u10d3\u10d3\u10d0 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10dc\u10d0\u10db\u10d3\u10d4 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d8 \u10e0\u10d4\u10d3\u10d0\u10e5\u10ea\u10d8\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10eb\u10d0\u10da\u10d0\u10e8\u10d8 2019 \u10ec\u10da\u10d8\u10e1 01 \u10d8\u10d0\u10dc\u10d5\u10e0\u10d8\u10d3\u10d0\u10dc \u10e8\u10d4\u10d5\u10d8\u10d3\u10d0. \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d8\u10e7\u10dd \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e0\u10d8\u10d2\u10d8 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10ec\u10d8\u10da\u10d0\u10d3 \u10e8\u10d4\u10e0\u10d1\u10d8\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d0\u10e8\u10d8 \u10db\u10dd\u10e7\u10d5\u10d0\u10dc\u10d8\u10e1 \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10d7, \u10e0\u10d0\u10ea, \u10e1\u10d0\u10d1\u10dd\u10da\u10dd\u10dd \u10ef\u10d0\u10db\u10e8\u10d8, \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10d8 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d6\u10d4 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10d0\u10e1 \u10d8\u10e1\u10d0\u10ee\u10d0\u10d5\u10e1 \u10db\u10d8\u10d6\u10dc\u10d0\u10d3. \u10ec\u10d8\u10dc\u10d0\u10db\u10d3\u10d4\u10d1\u10d0\u10e0\u10d4 \u10d1\u10da\u10dd\u10d2\u10d8 \u10d4\u10eb\u10e6\u10d5\u10dc\u10d4\u10d1\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8<a class=\"more-link\" href=\"https:\/\/nexuslawblog.com\/en\/2025\/03\/01\/fizikuri-piris-dakrediteba\/\">Continue reading <span class=\"screen-reader-text\">&#8220;\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10d8\u10dc\u10ea\u10d8\u10de\u10d4\u10d1\u10d8&#8221;<\/span><\/a><\/p>","protected":false},"author":182710216,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"[{\"id\":\"30721c33-5970-4212-89fe-5d04edeba47b\",\"content\":\"\\u10d3\\u10d0\\u10db\\u10e2\\u10d9\\u10d8\\u10ea\\u10d4\\u10d1\\u10e3\\u10da\\u10d8\\u10d0 \\u10e1\\u10d0\\u10e5\\u10d0\\u10e0\\u10d7\\u10d5\\u10d4\\u10da\\u10dd\\u10e1 \\u10d4\\u10e0\\u10dd\\u10d5\\u10dc\\u10e3\\u10da\\u10d8 \\u10d1\\u10d0\\u10dc\\u10d9\\u10d8\\u10e1 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content=\"\u201e\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u201c 2020 \u10ec\u10da\u10d8\u10e1 15 \u10d0\u10de\u10e0\u10d8\u10da\u10d8\u10d3\u10d0\u10dc \u10d0\u10ee\u10d0\u10da\u10d8 \u10e0\u10d4\u10d3\u10d0\u10e5\u10ea\u10d8\u10d8\u10d7 \u10d0\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d3\u10d0. \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10d7\u10d0\u10e0\u10d8\u10e6\u10d8\u10d3\u10d0\u10dc \u10eb\u10d0\u10da\u10d0\u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10e3\u10da\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10ea\u10ee\u10d0\u10d3\u10d3\u10d0 \u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10dc\u10d0\u10db\u10d3\u10d4 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d8 \u10e0\u10d4\u10d3\u10d0\u10e5\u10ea\u10d8\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10eb\u10d0\u10da\u10d0\u10e8\u10d8 2019 \u10ec\u10da\u10d8\u10e1 01 \u10d8\u10d0\u10dc\u10d5\u10e0\u10d8\u10d3\u10d0\u10dc \u10e8\u10d4\u10d5\u10d8\u10d3\u10d0. \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d8\u10e7\u10dd \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e0\u10d8\u10d2\u10d8 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10ec\u10d8\u10da\u10d0\u10d3 \u10e8\u10d4\u10e0\u10d1\u10d8\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d0\u10e8\u10d8 \u10db\u10dd\u10e7\u10d5\u10d0\u10dc\u10d8\u10e1 \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10d7, \u10e0\u10d0\u10ea, \u10e1\u10d0\u10d1\u10dd\u10da\u10dd\u10dd \u10ef\u10d0\u10db\u10e8\u10d8, \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10d8 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d6\u10d4 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10d0\u10e1 \u10d8\u10e1\u10d0\u10ee\u10d0\u10d5\u10e1 \u10db\u10d8\u10d6\u10dc\u10d0\u10d3. \u10ec\u10d8\u10dc\u10d0\u10db\u10d3\u10d4\u10d1\u10d0\u10e0\u10d4 \u10d1\u10da\u10dd\u10d2\u10d8 \u10d4\u10eb\u10e6\u10d5\u10dc\u10d4\u10d1\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8Continue reading &quot;\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10d8\u10dc\u10ea\u10d8\u10de\u10d4\u10d1\u10d8&quot;\" \/>\n<meta property=\"og:url\" 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\u10eb\u10d0\u10da\u10d0\u10e8\u10d8 2019 \u10ec\u10da\u10d8\u10e1 01 \u10d8\u10d0\u10dc\u10d5\u10e0\u10d8\u10d3\u10d0\u10dc \u10e8\u10d4\u10d5\u10d8\u10d3\u10d0. \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d8\u10e7\u10dd \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e0\u10d8\u10d2\u10d8 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10ec\u10d8\u10da\u10d0\u10d3 \u10e8\u10d4\u10e0\u10d1\u10d8\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d0\u10e8\u10d8 \u10db\u10dd\u10e7\u10d5\u10d0\u10dc\u10d8\u10e1 \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10d7, \u10e0\u10d0\u10ea, \u10e1\u10d0\u10d1\u10dd\u10da\u10dd\u10dd \u10ef\u10d0\u10db\u10e8\u10d8, \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10d8 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d6\u10d4 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10d0\u10e1 \u10d8\u10e1\u10d0\u10ee\u10d0\u10d5\u10e1 \u10db\u10d8\u10d6\u10dc\u10d0\u10d3. \u10ec\u10d8\u10dc\u10d0\u10db\u10d3\u10d4\u10d1\u10d0\u10e0\u10d4 \u10d1\u10da\u10dd\u10d2\u10d8 \u10d4\u10eb\u10e6\u10d5\u10dc\u10d4\u10d1\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8Continue reading \"\u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 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