? ?? ????????? ?? ?? ??? ????? ??????? ???? ????? ??. ????????????? ???????? ????? ??????????? ????? ??? ??????? ??, ??? ????? ??? ???? ???????? ??????? ????, ????? ? ???? ???? ????????????? ????? ???? ????-?????????? ??????? ?????? ??.

??????? ????????? ??? ? ??? ??. ????? ???? ?????? ??? ??? ???, ??? ??? ??????? ??? ????? ?????? ?????. ??? ???? ???? ??? ?? ????? ???? ??? ?? ??? ????? ????? ??????? ?? ??. ?? ????????? ???? ???? ?? ??? ???????? ????-????? ???? ??, ?? ???, ?????, ????? ??? ????? ??? ???? ????????? ??????? ???? ?????? ??? ??. ??? ?????? ????? ??? ??????? ????????? ???? ??? ??? ????? ?????? ??????????? ??????????? ????? ??.

??????? ???????????? ?????????? ?????? ?? ?? ???? ??????? ?? ????? ???? ?????? ???????? ???? ????? ?????? ??. ????? ???? ??????? ??????? ????? ?? ????????? ??? ??, ?? ???? ????????? ???? ?????? ???? ??? ??, ??????? ???????????, ?????? ?????? ??, ??? ?????? ??? ???? ???. DTI ?????? ???????? ??? ????? ???????? ??????? ?????? ?????? ???? 80% ??, ??? ???? ????????? ???????? ????? ???????? ??????? ???? ??????? ????? ????? ???????? ?????? ??????????? ???? ??? ????????? ???? ???? ?????? ??, ?? ??????? ???? ?????? ???? ????????? (TDHT) ????? ??.

?. ??????? ?????? ???? ?????? ????? ??????????? ????? ???????? ?????????? ???????? ??????????? ????? ???? ???? ?????? ???? ??????? ??? ??, ????? ??????? ???? ?????? ????? ?????? ??????? ?????????? ??????????, ???? ?????? ?? ??? ??? ??. ??? ?????? ??????? ????????? ??? ??. 2. ????? ??????????? ?????? ??????? ????? ??? ??????? ???????????? ????? ????? ??? ?????? ????? ???????? ???? ????. ??????????????? ??????? ??? ????? ???? ????????? ?????? ??? ???????? ????? ???? ????? ??. ???? ??????? ??? ???? ???? ??????? ????? ????? ??????, ????? ??????????? ???????? ??????? ??????? 40 ?????? ??? ? ???? ????. 3. ????? ??????????? ???????? ??????? ???, ??????? ????????? ???????? ????? ??????????? ?????-??????? ???????? ?????? ???? ?????? ??. 4. ????? ??????????? ???????? ??????? ???, ??????? ?????? ???? ????? ??????? ????? ????.

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