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

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

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