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\u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u041c\u0424\u041e \u2014 \u0434\u043e 12\u201324 \u043c\u0435\u0441\u044f\u0446\u0435\u0432, \u0435\u0441\u043b\u0438 \u044d\u0442\u043e \u00ab\u0437\u0430\u0439\u043c\u044b \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443\u00bb.<\/p><p><br><\/p><h4 data-start=\"486\" data-end=\"570\">\u041c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u0430\u044f \u0433\u043e\u0434\u043e\u0432\u0430\u044f \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 (\u041f\u0421\u041a \u2014 \u043f\u043e\u043b\u043d\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u0430)\n\n\n\u0421\u0442\u0430\u0432\u043a\u0430 \u0432\u044b\u0440\u0430\u0436\u0430\u0435\u0442\u0441\u044f \u043a\u0430\u043a \u0413\u043e\u0434\u043e\u0432\u0430\u044f \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 (APR \/ \u041f\u0421\u041a).\n\n\n\u041f\u043e \u0437\u0430\u043a\u043e\u043d\u0443 \u0426\u0411 \u0420\u0424 (\u0424\u0417-353 \u00ab\u041e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0435\u00bb \u0438 \u0440\u0435\u0433\u043b\u0430\u043c\u0435\u043d\u0442\u044b \u0411\u0430\u043d\u043a\u0430 \u0420\u043e\u0441\u0441\u0438\u0438):\n\n\n\u041c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u0432\u044b\u043f\u043b\u0430\u0442 \u043f\u043e \u0437\u0430\u0439\u043c\u0443 (\u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b + \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 + \u0448\u0442\u0440\u0430\u0444\u044b) \u043d\u0435 \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u0442\u044c 1,5\u00d7 \u043e\u0442 \u0441\u0443\u043c\u043c\u044b \u0437\u0430\u0439\u043c\u0430.\n\n\n\u042d\u0442\u043e \u0437\u043d\u0430\u0447\u0438\u0442: \u0435\u0441\u043b\u0438 \u0432\u0437\u044f\u043b 10 000 \u20bd \u2014 \u0432\u0435\u0440\u043d\u0443\u0442\u044c \u043c\u0430\u043a\u0441\u0438\u043c\u0443\u043c 25 000 \u20bd (10 000 \u0442\u0435\u043b\u043e + 15 000 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b\/\u0448\u0442\u0440\u0430\u0444\u044b).\n\n\n\n\n\u041c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u2014 \u0434\u043e 292% \u0433\u043e\u0434\u043e\u0432\u044b\u0445 (\u041f\u0421\u041a)\u00bb.<\/h4><br><p><strong>\u0423\u0441\u043b\u043e\u0432\u0438\u044f \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0437\u0430\u0439\u043c\u0430:<\/strong><\/p><br><p>\u041f\u0435\u0440\u0432\u044b\u0439 \u0437\u0430\u0451\u043c \u0434\u043e 30 000 \u0440\u0443\u0431 \u0432\u044b\u0434\u0430\u0435\u0442\u0441\u044f \u043f\u043e \u0441\u0442\u0430\u0432\u043a\u0435 0,01% \u0432 \u0441\u043b\u0443\u0447\u0430\u0435 \u0441\u0432\u043e\u0435\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e\u0433\u043e \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u044f; \u041f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u043f\u043e \u0437\u0430\u0439\u043c\u0430\u043c \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u043e\u0442 28 \u0434\u043e 365% \u0433\u043e\u0434\u043e\u0432\u044b\u0445. \u0412 \u0441\u043b\u0443\u0447\u0430\u0435 \u043d\u0430\u0440\u0443\u0448\u0435\u043d\u0438\u044f \u0443\u0441\u043b\u043e\u0432\u0438\u0439 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u044f, \u0440\u0430\u0437\u043c\u0435\u0440 \u043f\u0435\u043d\u0438 \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u0442 0,10% \u043e\u0442 \u0441\u0443\u043c\u043c\u044b \u043f\u0440\u043e\u0441\u0440\u043e\u0447\u043a\u0438 \u0432 \u0434\u0435\u043d\u044c, \u043d\u043e \u043d\u0435 \u0431\u043e\u043b\u0435\u0435 10% \u043e\u0442 \u0441\u0443\u043c\u043c\u044b \u0437\u0430\u0439\u043c\u0430; \u0412 \u0441\u043b\u0443\u0447\u0430\u0435 \u0434\u043b\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0439 \u0437\u0430\u0434\u0435\u0440\u0436\u043a\u0438 \u0432\u044b\u043f\u043b\u0430\u0442\u044b \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0431\u0443\u0434\u0435\u0442 \u043f\u0435\u0440\u0435\u0434\u0430\u043d\u0430 \u0432 \u0411\u041a\u0418<\/p><br><br><p><strong>\u041f\u043e\u043b\u043d\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0437\u0430\u0439\u043c\u0430 \u0438 \u043f\u0440\u0438\u043c\u0435\u0440\u044b \u0440\u0430\u0441\u0447\u0435\u0442\u0430:<\/strong><\/p><br><p>\u041a \u043f\u0440\u0438\u043c\u0435\u0440\u0443, \u0437\u0430\u0439\u043c \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 10 000 \u0440\u0443\u0431 \u0432\u044b\u0434\u0430\u043d \u043d\u0430 61 \u0434\u043d\u0435\u0439 \u0441 \u043f\u0440\u043e\u043b\u043e\u043d\u0433\u0430\u0446\u0438\u0435\u0439. \u0412 \u0433\u043e\u0434\u0443 365 \u0434\u043d\u0435\u0439, \u043f\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0443 \u0441\u0442\u0430\u0432\u043a\u0430 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 1% \u0432 \u0434\u0435\u043d\u044c (\u0433\u043e\u0434\u043e\u0432\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430, \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0435\u043d\u043d\u043e \u0431\u0443\u0434\u0435\u0442 \u0440\u0430\u0432\u043d\u0430 365%). \u0421\u0443\u043c\u043c\u0430 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432 \u0437\u0430 \u0433\u043e\u0434 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 36 500 \u0440\u0443\u0431 (10 000*365% = 36 500), \u0437\u0430 1 \u0434\u0435\u043d\u044c 100 \u0440\u0443\u0431 (36 500\/365 = 100), \u0437\u0430 61 \u0434\u043d\u0435\u0439 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0435\u043d\u043d\u043e 6 100 \u0440\u0443\u0431. (100*61 = 6100). \u041e\u0431\u0449\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0430 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 16 100 \u0440\u0443\u0431. (10 000 \u0440\u0443\u0431. \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u0439 \u0434\u043e\u043b\u0433 + 6 100 \u0440\u0443\u0431. \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b). \u041f\u0421\u0417 (\u043f\u043e\u043b\u043d\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0437\u0430\u0439\u043c\u0430) \u0432 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u0430\u0445 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 365% \u0433\u043e\u0434\u043e\u0432\u044b\u0445.<\/p><br><br><p>\u041f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f \u043d\u0435\u0432\u044b\u043f\u043b\u0430\u0442\u044b \u0437\u0430\u0451\u043c\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432:<\/p><br><p>\u0412 \u0441\u043b\u0443\u0447\u0430\u0435 \u043d\u0435\u0432\u044b\u043f\u043b\u0430\u0442\u044b \u0432 \u0443\u0441\u043b\u043e\u0432\u043b\u0435\u043d\u043d\u044b\u0439 \u0441\u0440\u043e\u043a \u0441\u0443\u043c\u043c\u044b \u0437\u0430\u0439\u043c\u0430 \u0438\u043b\u0438 \u0441\u0443\u043c\u043c\u044b \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432 \u0437\u0430 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0437\u0430\u0451\u043c\u043d\u044b\u043c\u0438 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430\u043c\u0438 \u0437\u0430\u0435\u043c\u0449\u0438\u043a \u0432\u044b\u043d\u0443\u0436\u0434\u0435\u043d\u043e \u043d\u0430\u0447\u0438\u0441\u043b\u0438\u0442 \u0448\u0442\u0440\u0430\u0444 \u0437\u0430 \u043f\u0440\u043e\u0441\u0440\u043e\u0447\u043a\u0443 \u043f\u043b\u0430\u0442\u0435\u0436\u0430. \u0411\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u043e \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u0438\u0434\u0443\u0442 \u043d\u0430 \u0443\u0441\u0442\u0443\u043f\u043a\u0438 \u0438 \u0434\u0430\u044e\u0442 5 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0440\u0430\u0431\u043e\u0447\u0438\u0445 \u0434\u043d\u0435\u0439 \u0434\u043b\u044f \u043e\u043f\u043b\u0430\u0442\u044b. \u041e\u043d\u0438 \u043f\u0440\u0435\u0434\u0443\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u044b \u043d\u0430 \u0441\u043b\u0443\u0447\u0430\u0439, \u043a \u043f\u0440\u0438\u043c\u0435\u0440\u0443, \u0435\u0441\u043b\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0439 \u043f\u0435\u0440\u0435\u0432\u043e\u0434 \u0437\u0430\u043d\u044f\u043b \u0431\u043e\u043b\u044c\u0448\u0435 \u0432\u0440\u0435\u043c\u0435\u043d\u0438, \u0447\u0435\u043c \u043e\u0431\u044b\u0447\u043d\u043e. \u041e\u0434\u043d\u0430\u043a\u043e, \u0432 \u0441\u043b\u0443\u0447\u0430\u0435 \u043d\u0435\u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u043e\u0442 \u0412\u0430\u0441 \u043a\u0430\u043a\u043e\u0439-\u043b\u0438\u0431\u043e \u0440\u0435\u0430\u043a\u0446\u0438\u0438 \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e 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