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

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

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

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

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