Oy {p}p~p p{p y xp?}rp?u py t qp~{pp

@{ xp?}rpp py t y~p~y{y y~yyy, ry tp yx|uxu ?u qytu }~s |?u {y qp~{pp.
rr ~p ys~, qytu??y p u }up xp ry{ t {p{ u y~p~yyu ~p rpyu.
Rup{, ?p xp?}rpp py t qp~{pp, }wu y p{p ~u{|{ {y u xpx~pu~y {|{ {p}p~yu p{y xp tp u ut~y. Spp u rrutrp ~p yyrp?u xp xpt|wrp?u y y~uu
qp~{p.

 

rxp~y / ut~y y ~utpy

 

tp xp?}rpp py r qp~{pp

rpp |y~ tp u xp?}rpp py @{


|p? ~p ~yu {y xp?}rpp py xp r p, ~p {p}p~pp p{p u ~p turyx~y { u pp sty~p {| 4%. @{
xp?}u~y p{ utu~ }uu 100.000 ?u~y, y~uu ?u qytu 100.000 ?u~y ~ 4% ~ 30/365 = 328 ?u~y.
}}u~r, tp~{ ~p rp{p u 8% t ru}u. @{
|ry~p t rpp, }y|p} tu{p r }~s }p|, }~s |?u u rrrpp.

 

Ppu}, {sp xp r p u s xp?}y|u py t rp{yu {utyy, {| 4,5% t 5%, p u t pxp~pp u~p.
p} t{|{ }u~pp ~p {| 1%, ryu y p{p }wu tp y}pp ~yu {y }y|p y prp ~u u tq xp y~p~yy ~p rpyu p} u y p{p |u~ yyrp?u ru?p~ |y{pp.
Mu?p, p{ xp?}u~y 100.000 ?u~y t yy |ry, y~uu ?u yx|uxu 369 ?u~y xp 410 ?u~y y px|y{pp.

 

u, p u {sp s|u}p }p, {p{ ?u~y 300.000 y 500.000 \, y ~u uqp tp u u{ tp u xp}y|y rp?u x~pp?~p px|y{p.
@{ u xp?}y|u xput~, t tutu~ uu~, qytu??y px|y{pp t rpp }p ?u qytu s|u} rp, ?p uprp} xpt|wrp?u t qp~{pp ~y{p {p}p~p p{p, ty y 1%.

 

< h2> @{ {yyu ~u{|{ {}p~yy @{
u xp?}u~y t qp~{p y|y ru?u rp{y y~p~yy, y}pp u~tu~y?p tp qytp yx~ {p}p~p p{p u ry{p.
B {uty {py{p ~p s|u}y qp~{y, p u ~p?ru?p~ r u{ t {| 14% u utrytu~y {p{ s~p sp~yp. @{ ~utp}~p xp?}u~y
30 }y|y~y y ryy~pp ~p {p}p~pp p{p ~p }uu~p ?u qytu \ 3452.

 

rp ~u u p} p, y p{p, }p tp u pxqyp u}up~y yx~ y~uu {y u xp?}u~y t tsy {}p~yy. L?u {y u xpt|wrp?u r
}y|y~y, p{ y}pu 14 {p}p~p p{p, ?u uqp tp |p?pp }uu~p {p}pp ~p \ 11.506.
|p? ~p }ut |p?t |pp, s|ut ~p yx~ ~p pyu quu r {}qy~py?p tyu{ u upru~ {p{ |p?p?p, }wuqy ryy~{y rp u rp rurpp tu{p 15.000 t 20.000 ?u~y ~p }y~y}}.

 

ty y {p{ quu ~ppru~ qux q|u}y {sp ?u u xp?}rpp py, {sp uqp tp u rpy xp y~y |py p }wu tp u {pwu tu{p }~s |?u tp u qp r tu| t {p}ppp.
Dy y t }uu~p |pp, r~, ~u u rpy p} y~uu, p ~u u }p|{ y?p p.

 

u| tp xp?}rpp ~y{p t

{p}p~yu p{y xp tp u ~p}p|y rp ~p


y~uu, p u rpw~ tp u yxquu }p|p {}p~y?p {p}p~p p{p. Sp, uu
, {p}p~yu p{y, {y u ~pyp~y r s|p u ~pyp~ y{ u{p t s~pp sp~yp ~p t|~pp sp~yp, {sp r~ yu sy {yp, y }wp tp xp?}rpp r u{u {p}p~p p{p ~u x~p}, ~u qy u |?u {y }y|p ~p p~{yx~ . R u| tp sy ~p}p|y {p}p~yu p{y ~p
|ut~yru |ry p u rpw~.

 

 

 

tp|y y}p pqy|u~ yt

|yu xp r p xpt|wrp?u u, u| tp sy y{yp ut~yu ~p ~y{p {p}p~p p{p, rpw~ u tu{p ?u u tqyrp ~u{y pqy|u~ yt.
Ru pxqyp, ry{p tp|y tp u tqyu styu~ yt, u |{ rpw~, ~ p~p rpwu~ {yuy} rut~ xp qp~{yu u tu{p "p{ |?u }wp tp u rpp pry|~, ty y u{ ~p ru}u."

 

y|y tuy~py?p xpt|wrp?u u {|{ y}p t

B |p? ~p |?u {y

y}p ru?u t xpt|wrp?u, y}pp u~tu~y?p tp ~pryy~p {p}p~p p{p u ry{p.
Sp{p, }ut {? p{pu tp u pxs|utp u ~p}p|rp?u ~p tuy~py?p ~p xpt|wrp?u.
?u {~|ytpy?p ~p t|s u tp u pt~u r rpp {pusy?p, ~ } ?u y}pp ut~p t y~p~y{y y~yyy ~y{p {p}p~p p{p qp~{pp tp sy xp?}yu, ?u trutu t ~p}p|rp?u ~p |pp ~p {p?. Ot }u~p?}u~ ~p yxy{ p~rp |u~ tp u qytu t
qp~{p p~p, ~p?ru?p~, ?u qytp xp?}u~y ~p ~y{p {p}p~p p{p.

 

Pus|ut

r p ?u u xp?}rpp py r qp~{pp, {p}p~pp p{p u {| 5% xp rp{y y~p~yy Ryr~ ~p p, {| 4 u~y ?u qytu ~p pxp u~p.
Ppty p, y p{p, u| tp u tuqy~y rprpp u ~yx{ t py~y{, p u t y~{ x~pu?u tp u px}y|rp xp {yu?u ~p qp~{pp r ~p r }u. Sp, uu

 

, p{ qux px|y{p {|{ y}pp u ~yr~pp ru~p {uty~p y~}pyy y p{p u r qp~{pp, {p}p~pp p{p Ru{u p} {sp tqy |ry ?u xprp s|u}p.
p{, p{ ypy?pp r {?p u xp?}u~y r tsy y~p~y{y y~yyy, r twprp r {?p {~|ytpy?p ~p t|s, y p{p, u| tp qytuu ys~y tu{p ?u u ~ppry yxq, u t {y xp u{? ts. Ksp {uyp?u
, ~p r? ~py~ ", y|y xp?}u~p |u~ tp u" p} ~u "y|y |u~ |pp, {p}p~yu p{y {|~y y|y ~y{p" u p }y|y}u tu{p u rpw~.
I|y tuy~py?p xpt|wrp?u u {|{ y}p t
|p? ~p |yu {u u ru?u t xpt|wrp?u, y}pp u~tu~y?p tp ~pryy~p {p}p~p p{p u ry{p.
Sp{p, }ut {? p{pu tp u pxs|utp u ~p}p|rp?u ~p tuy~py?p ~p xpt|wrp?u.
?u {~|ytpy?p ~p t|s u tp u pt~u r rpp {pusy?p, ~ } ?u y}pp ut~p t y~p~y{y y~yyy ~y{p {p}p~p p{p qp~{pp tp sy xp?}yu, ?u trutu t ~p}p|rp?u ~p |pp ~p {p?. Ot }u~p?}u~ ~p yxy{ p~rp |u~ tp u qytu t
qp~{p p~p, ~p?ru?p~, ?u qytp xp?}u~y ~p ~y{p {p}p~p p{p.

 

Pus|ut

r p ?u u xp?}rpp py r qp~{pp, {p}p~pp p{p u {| 5% xp rp{y y~p~yy Ryr~ ~p p, {| 4 u~y ?u qytu ~p pxp u~p.
Ppty p, y p{p, u| tp u tuqy~y rprpp u ~yx{ t py~y{, p u t y~{ x~pu?u tp u px}y|rp xp {yu?u ~p qp~{pp r ~p r }u. Sp, uu

 

, p{ qux px|y{p {|{ y}pp u ~yr~pp ru~p {uty~p y~}pyy y p{p u r qp~{pp, {p}p~pp p{p Ru{u p} {sp tqy |ry ?u xprp s|u}p.
p{, p{ ypy?pp r {?p u xp?}u~y r tsy y~p~y{y y~yyy, r twprp r {?p {~|ytpy?p ~p t|s, y p{p, u| tp qytuu ys~y tu{p ?u u ~ppry yxq, u t {y xp u{? ts. Ksp {uyp?u
, ~p r? ~py~ ", y|y xp?}u~p |u~ tp u" p} ~u "y|y |u~ |pp, {p}p~yu p{y {|~y y|y ~y{p" u p }y|y}u tu{p u rpw~.
I|y tuy~py?p xpt|wrp?u u {|{ y}p t
|p? ~p |yu {u u ru?u t xpt|wrp?u, y}pp u~tu~y?p tp ~pryy~p {p}p~p p{p u ry{p.
Sp{p, }ut {? p{pu tp u pxs|utp u ~p}p|rp?u ~p tuy~py?p ~p xpt|wrp?u.
?u {~|ytpy?p ~p t|s u tp u pt~u r rpp {pusy?p, ~ } ?u y}pp ut~p t y~p~y{y y~yyy ~y{p {p}p~p p{p qp~{pp tp sy xp?}yu, ?u trutu t ~p}p|rp?u ~p |pp ~p {p?. Ot }u~p?}u~ ~p yxy{ p~rp |u~ tp u qytu t
qp~{p p~p, ~p?ru?p~, ?u qytp xp?}u~y ~p ~y{p {p}p~p p{p.

 

Pus|ut

r p ?u u xp?}rpp py r qp~{pp, {p}p~pp p{p u {| 5% xp rp{y y~p~yy Ryr~ ~p p, {| 4 u~y ?u qytu ~p pxp u~p.
Ppty p, y p{p, u| tp u tuqy~y rprpp u ~yx{ t py~y{, p u t y~{ x~pu?u tp u px}y|rp xp {yu?u ~p qp~{pp r ~p r }u. Sp, uu

 

, p{ qux px|y{p {|{ y}pp u ~yr~pp ru~p {uty~p y~}pyy y p{p u r qp~{pp, {p}p~pp p{p Ru{u p} {sp tqy |ry ?u xprp s|u}p.
p{, p{ ypy?pp r {?p u xp?}u~y r tsy y~p~y{y y~yyy, r twprp r {?p {~|ytpy?p ~p t|s, y p{p, u| tp qytuu ys~y tu{p ?u u ~ppry yxq, u t {y xp u{? ts. Ksp {uyp?u
, ~p r? ~py~ ", y|y xp?}u~p |u~ tp u" p} ~u "y|y |u~ |pp, {p}p~yu p{y {|~y y|y ~y{p" u p }y|y}u tu{p u rpw~.
Pry p {sp ?u u xp?}rpp py r
qp~{p, r |p? ~p rpyu y~p~yy ~p {p}p~pp p{p t {| 5%, {| 4%, ?u qytu ~p pxp u~p.
Ppty p, y p{p, u| tp u tuqy~y rprpp u ~yx{ t py~y{, p u t y~{ x~pu?u tp u px}y|rp xp {yu?u ~p qp~{pp r ~p r }u. Sp, uu

 

, p{ qux px|y{p {|{ y}pp u ~yr~pp ru~p {uty~p y~}pyy y p{p u r qp~{pp, {p}p~pp p{p Ru{u p} {sp tqy |ry ?u xprp s|u}p.
p{, p{ ypy?pp r {?p u xp?}u~y r tsy y~p~y{y y~yyy, r twprp r {?p {~|ytpy?p ~p t|s, y p{p, u| tp qytuu ys~y tu{p ?u u ~ppry yxq, u t {y xp u{? ts. Ksp {uyp?u
, ~p r? ~py~ ", y|y xp?}u~p |u~ tp u" p} ~u "y|y |u~ |pp, {p}p~yu p{y {|~y y|y ~y{p" u p }y|y}u tu{p u rpw~.
Pry p {sp ?u u xp?}rpp py r
qp~{p, r |p? ~p rpyu y~p~yy ~p {p}p~pp p{p t {| 5%, {| 4%, ?u qytu ~p pxp u~p.
Ppty p, y p{p, u| tp u tuqy~y rprpp u ~yx{ t py~y{, p u t y~{ x~pu?u tp u px}y|rp xp {yu?u ~p qp~{pp r ~p r }u. Sp, uu

 

, p{ qux px|y{p {|{ y}pp u ~yr~pp ru~p {uty~p y~}pyy y p{p u r qp~{pp, {p}p~pp p{p Ru{u p} {sp tqy |ry ?u xprp s|u}p.
p{, p{ ypy?pp r {?p u xp?}u~y r tsy y~p~y{y y~yyy, r twprp r {?p {~|ytpy?p ~p t|s, y p{p, u| tp qytuu ys~y tu{p ?u u ~ppry yxq, u t {y xp u{? ts. Ksp {uyp?u
, ~p r? ~py~ ", y|y xp?}u~p |u~ tp u" p} ~u "y|y |u~ |pp, {p}p~yu p{y {|~y y|y ~y{p" u p }y|y}u tu{p u rpw~.