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

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

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

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

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