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\u0644\u0644\u0645\u0642\u064a\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u064a\u0632\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 <em>\u062d\u0642 \u0627\u0644\u0627\u0646\u062a\u0641\u0627\u0639<\/em> \u062d\u0642\u0648\u0642 (\u0625\u064a\u062c\u0627\u0631) \u0644\u0645\u062f\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 99 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0645\u0642\u062f\u0633\u0629.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0645\u0633\u0627\u0631 \u062c: \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0624\u0633\u0633\u064a<\/h3>\n\n\n\n<p>\u064a\u0645\u0643\u0646 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629 \u0623\u064a\u0636\u064b\u0627 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0625\u0630\u0627 \u0643\u0627\u0646 \u0630\u0644\u0643 \u0645\u0637\u0644\u0648\u0628\u064b\u0627 \u0644\u0623\u0646\u0634\u0637\u062a\u0647\u0627 \u0627\u0644\u0645\u0647\u0646\u064a\u0629 (\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0627\u0644\u0645\u0633\u0627\u0643\u0646 \u0623\u0648 \u0627\u0644\u0645\u0642\u0631 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0644\u0644\u0634\u0631\u0643\u0629)\u060c \u0628\u0634\u0631\u0637 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0647\u0627 \u062a\u0631\u062e\u064a\u0635 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0645\u0646 MISA.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u0645\u0645\u064a\u0632\u0629: \u0637\u0631\u064a\u0642\u0643 \u0625\u0644\u0649 \u0627\u0644\u062b\u0631\u0627\u0621<\/h2>\n\n\n\n<p>\u0641\u064a \u0639\u0627\u0645 \u0662\u0660\u0662\u0664\u060c \u0648\u0633\u0651\u0639\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u0645\u0645\u064a\u0632\u0629 \u0644\u064a\u0634\u0645\u0644 \u062e\u0645\u0633 \u0641\u0626\u0627\u062a \u062c\u062f\u064a\u062f\u0629. \u0627\u0644\u0623\u0643\u062b\u0631 \u0645\u0644\u0627\u0621\u0645\u0629 \u0644\u0639\u0645\u0644\u0627\u0626\u0646\u0627 \u0641\u064a <strong>\u0623\u0628\u0631\u0627\u062c \u0627\u0644\u0645\u0644\u0627\u0643<\/strong> \u0647\u0648 <strong>\u0625\u0642\u0627\u0645\u0629 \u0645\u0627\u0644\u0643 \u0627\u0644\u0639\u0642\u0627\u0631<\/strong>.<\/p>\n\n\n\n<p><strong>\u0627\u0644\u0635\u0641\u0642\u0629:<\/strong> \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u0634\u0631\u0627\u0621 \u0639\u0642\u0627\u0631 \u0628\u0642\u064a\u0645\u0629 <strong>4 \u0645\u0644\u064a\u0648\u0646 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a<\/strong> (\u062d\u0648\u0627\u0644\u064a 1.06 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a) \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0641\u0623\u0646\u062a \u0645\u0624\u0647\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u0645\u0645\u064a\u0632\u0629 \u0627\u0644\u062f\u0627\u0626\u0645\u0629.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0641\u0627\u0626\u062f\u0629:<\/strong> \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u062f\u0627\u0626\u0645\u0629 \u0644\u0646\u0641\u0633\u0643 \u0648\u0644\u0639\u0627\u0626\u0644\u062a\u0643\u060c \u0648\u0627\u0644\u062d\u0642 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u060c \u0648\u0627\u0644\u062d\u0642 \u0641\u064a \u0645\u0645\u0627\u0631\u0633\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0648\u0627\u0644\u062d\u0642 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 (\u062a\u062f\u0627\u0648\u0644) \u0643\u0645\u0642\u064a\u0645.<\/li>\n<\/ul>\n\n\n\n<p>\u064a\u062a\u0648\u0641\u0631 \u0623\u064a\u0636\u064b\u0627 \u062e\u064a\u0627\u0631 \u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u0645\u062a\u062c\u062f\u062f\u0629 \u0644\u062d\u062f\u0648\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0623\u0642\u0644 (\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062d\u0627\u0644\u064a\u0629). \u064a\u0631\u0628\u0637 \u0647\u0630\u0627 \u0627\u0644\u0628\u0631\u0646\u0627\u0645\u062c \u0648\u0636\u0639\u0643 \u0627\u0644\u0647\u062c\u0631\u064a \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0628\u0623\u0635\u0648\u0644\u0643\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644 \u0645\u0646\u0632\u0644\u0643 \u0628\u0645\u062b\u0627\u0628\u0629 \u062a\u0623\u0634\u064a\u0631\u0629.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u0663. \u0644\u0645\u0627\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u061f (\u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u062f\u0628\u064a\u060c \u0644\u0646\u062f\u0646\u060c \u0623\u0648 \u0627\u0644\u0645\u0646\u0632\u0644)<\/h2>\n\n\n\n<p>\u0644\u0645\u0627\u0630\u0627 \u064a\u0646\u0628\u063a\u064a \u0644\u0644\u0623\u062c\u0646\u0628\u064a \u0623\u0646 \u064a\u0633\u062a\u062b\u0645\u0631 \u0623\u0645\u0648\u0627\u0644\u0647 \u0627\u0644\u062a\u064a \u0643\u0633\u0628\u0647\u0627 \u0628\u0634\u0642 \u0627\u0644\u0623\u0646\u0641\u0633 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0631\u064a\u0627\u0636 \u0644\u0644\u062e\u0631\u0633\u0627\u0646\u0629 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0647\u0627 \u0641\u064a \u0628\u0648\u0631\u0635\u0629 \u0644\u0646\u062f\u0646 \u0623\u0648 \u0634\u0642\u0629 \u0641\u064a \u062f\u0628\u064a\u061f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u0645\u0633\u0627\u0631 \u0627\u0644\u0646\u0645\u0648<\/h3>\n\n\n\n<p>\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0647\u064a &quot;\u0633\u0648\u0642 \u0646\u0627\u0634\u0626\u0629&quot; \u0630\u0627\u062a \u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 &quot;\u0633\u0648\u0642 \u0645\u062a\u0642\u062f\u0645\u0629&quot;.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u062f\u0628\u064a<\/strong> \u0648\u0647\u064a \u0633\u0648\u0642 \u0646\u0627\u0636\u062c\u0629\u060c \u062d\u064a\u062b \u0648\u0635\u0644\u062a \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0625\u0644\u0649 \u0630\u0631\u0648\u062a\u0647\u0627 \u0628\u0627\u0644\u0641\u0639\u0644 \u0641\u064a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0646\u0627\u0637\u0642.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0631\u064a\u0627\u0636<\/strong> \u0641\u064a \u0627\u0644\u0645\u0631\u0627\u062d\u0644 \u0627\u0644\u0623\u0648\u0644\u0649 \u0645\u0646 \u0637\u0641\u0631\u0629 \u0647\u0627\u0626\u0644\u0629. \u0645\u0639 \u062a\u0636\u0627\u0639\u0641 \u0639\u062f\u062f \u0627\u0644\u0633\u0643\u0627\u0646 \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 \u0662\u0660\u0663\u0660\u060c \u0633\u064a\u0643\u0648\u0646 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0627\u0643\u0646 \u0647\u064a\u0643\u0644\u064a\u064b\u0627 \u0648\u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u062f\u060c \u0648\u0644\u064a\u0633 \u0645\u0636\u0627\u0631\u0628\u064a\u064b\u0627. \u0623\u0646\u062a \u062a\u0634\u062a\u0631\u064a \u0628\u0633\u0639\u0631 <em>\u0628\u062f\u0627\u064a\u0629<\/em> \u0645\u0646 \u0627\u0644\u0645\u0646\u062d\u0646\u0649.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628<\/h3>\n\n\n\n<p>\u0648\u062a\u0638\u0644 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0645\u0644\u0627\u0630\u064b\u0627 \u0636\u0631\u064a\u0628\u064a\u064b\u0627 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u063a\u0631\u0628.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0644\u0627 \u064a\u0648\u062c\u062f \u0636\u0631\u064a\u0628\u0629 \u062f\u062e\u0644 \u0634\u062e\u0635\u064a\u0629:<\/strong> \u0644\u0627 \u064a\u062a\u0645 \u0641\u0631\u0636 \u0636\u0631\u0627\u0626\u0628 \u0639\u0644\u0649 \u062f\u062e\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u062f\u062e\u0644\u0627\u064b \u0634\u062e\u0635\u064a\u064b\u0627 (\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u0647\u064a\u0627\u0643\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629).<\/li>\n\n\n\n<li><strong>\u0644\u0627 \u062a\u0648\u062c\u062f \u0636\u0631\u064a\u0628\u0629 \u0639\u0642\u0627\u0631\u064a\u0629 \u0633\u0646\u0648\u064a\u0629:<\/strong> \u0644\u0627 \u062a\u0648\u062c\u062f \u0636\u0631\u064a\u0628\u0629 \u0645\u062c\u0644\u0633 \u0623\u0648 \u0636\u0631\u064a\u0628\u0629 \u0639\u0642\u0627\u0631\u064a\u0629 \u062f\u0648\u0631\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645\u0629. \u062a\u062f\u0641\u0639 \u0644\u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u0642\u0637. <strong>\u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 (RETT)<\/strong> \u0645\u0646 5% \u0639\u0646\u062f \u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0648\u0647\u0630\u0627 \u0643\u0644 \u0634\u064a\u0621.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0639\u0645\u0644\u0629<\/h3>\n\n\n\n<p>\u0627\u0644\u0631\u064a\u0627\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a (SAR) \u0645\u0631\u0628\u0648\u0637 \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a (3.75 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a = 1 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a). \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644 \u0630\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u0644\u0628\u0629 (\u0645\u062b\u0644 \u0627\u0644\u0647\u0646\u062f \u0648\u0628\u0627\u0643\u0633\u062a\u0627\u0646 \u0648\u0645\u0635\u0631 \u0648\u062a\u0631\u0643\u064a\u0627)\u060c \u064a\u064f\u0639\u062f\u0651 \u0627\u0645\u062a\u0644\u0627\u0643 \u0623\u0635\u0648\u0644 \u0641\u064a \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u062a\u062d\u0648\u0651\u0637\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u0636\u062e\u0645. \u0641\u0647\u0648 \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639 \u0623\u0635\u0644 \u0645\u0642\u0648\u0651\u0645 \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u0639\u0627\u0626\u062f\u0627\u062a \u0625\u064a\u062c\u0627\u0631\u064a\u0629 \u0639\u0627\u0644\u064a\u0629<\/h3>\n\n\n\n<p>\u0641\u064a \u0645\u062f\u0646 \u0645\u062b\u0644 \u0644\u0646\u062f\u0646 \u0648\u0646\u064a\u0648\u064a\u0648\u0631\u0643\u060c \u064a\u064f\u0639\u062f\u0651 \u0639\u0627\u0626\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 3% \u062c\u064a\u062f\u064b\u0627. \u0623\u0645\u0627 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062a\u062d\u062f\u064a\u062f\u064b\u0627 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0630\u0627\u062a \u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u0631\u062a\u0641\u0639 \u0645\u062b\u0644 \u0634\u0645\u0627\u0644 \u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0641\u064a\u0631\u0649 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 <strong>\u0627\u0644\u0639\u0627\u0626\u062f\u0627\u062a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0645\u0646 6% \u0625\u0644\u0649 9%<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u0623\u064a\u0646 \u064a\u0646\u0628\u063a\u064a \u0644\u0644\u0623\u062c\u0627\u0646\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061f<\/h2>\n\n\n\n<p>\u0641\u064a <strong>\u0623\u0628\u0631\u0627\u062c \u0627\u0644\u0645\u0644\u0627\u0643<\/strong>, \u0646\u0646\u0635\u062d \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0628\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0630\u0627\u062a &quot;\u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u0645\u062a\u0627\u0632&quot; - \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u062a\u064a \u062a\u062a\u0645\u062a\u0639 \u0628\u0633\u064a\u0648\u0644\u0629 \u0639\u0627\u0644\u064a\u0629 \u0648\u0637\u0644\u0628 \u062b\u0627\u0628\u062a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0631\u064a\u0627\u0636: \u0627\u0644\u0631\u0647\u0627\u0646 \u0627\u0644\u0622\u0645\u0646<\/h3>\n\n\n\n<p>\u0627\u0644\u0631\u064a\u0627\u0636 \u0647\u064a \u0627\u0644\u0639\u0627\u0635\u0645\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u062d\u064a\u062b \u062a\u062a\u0648\u0627\u0641\u0631 \u0641\u0631\u0635 \u0627\u0644\u0639\u0645\u0644.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0634\u0645\u0627\u0644 \u0627\u0644\u0631\u064a\u0627\u0636 (\u0627\u0644\u0645\u0644\u0642\u0627\u060c \u0627\u0644\u0646\u0631\u062c\u0633):<\/strong> \u0627\u0644\u0623\u0641\u0636\u0644 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0633\u0643\u0646\u064a\u0629 \u0627\u0644\u0641\u0627\u062e\u0631\u0629. \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0639\u0627\u0644\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0639\u0644\u064a\u0627 \/ \u0648\u0633\u0637 \u0627\u0644\u0645\u062f\u064a\u0646\u0629:<\/strong> \u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0627\u062d\u0627\u062a \u0627\u0644\u0645\u0643\u062a\u0628\u064a\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0633\u0628\u0628 \u0628\u0631\u0646\u0627\u0645\u062c RHQ.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u062c\u062f\u0629: \u0645\u0633\u0631\u062d\u064a\u0629 \u0627\u0644\u0633\u064a\u0627\u062d\u0629<\/h3>\n\n\n\n<p>\u062c\u062f\u0629 \u0647\u064a \u0628\u0648\u0627\u0628\u0629 \u0645\u0643\u0629 \u0627\u0644\u0645\u0643\u0631\u0645\u0629 \u0648\u0627\u0644\u0628\u062d\u0631 \u0627\u0644\u0623\u062d\u0645\u0631. \u0645\u0639 \u0645\u0634\u0631\u0648\u0639 &quot;\u062c\u062f\u0629 \u0633\u0646\u062a\u0631\u0627\u0644&quot; \u0627\u0644\u0636\u062e\u0645\u060c \u062a\u064f\u0639\u064a\u062f \u0627\u0644\u0645\u062f\u064a\u0646\u0629 \u0627\u0628\u062a\u0643\u0627\u0631 \u0646\u0641\u0633\u0647\u0627\u060c \u062d\u064a\u062b \u062a\u0648\u0641\u0631 \u0623\u0633\u0644\u0648\u0628 \u062d\u064a\u0627\u0629 \u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u0631\u062e\u0627\u0621\u064b\u060c \u0648\u062a\u0634\u062a\u0647\u0631 \u0628\u0625\u064a\u062c\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0637\u0644\u0627\u062a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u062f\u0645\u0627\u0645\/\u0627\u0644\u062e\u0628\u0631: \u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u0635\u0646\u0627\u0639\u064a<\/h3>\n\n\n\n<p>\u062a\u064f\u0639\u062f\u0651 \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642\u064a\u0629 \u0642\u0644\u0628 \u0623\u0631\u0627\u0645\u0643\u0648 \u0648\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0628\u062a\u0631\u0648\u0643\u064a\u0645\u0627\u0648\u064a\u0627\u062a. \u0641\u0647\u064a \u062a\u064f\u0648\u0641\u0651\u0631 \u0639\u0648\u0627\u0626\u062f \u0625\u064a\u062c\u0627\u0631\u064a\u0629 \u062b\u0627\u0628\u062a\u0629 \u0648\u0645\u062a\u0633\u0642\u0629 \u0645\u0646 \u0642\u0648\u0649 \u0627\u0644\u0639\u0645\u0644 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u0646\u0641\u0637 \u0648\u0627\u0644\u063a\u0627\u0632\u060c \u0645\u0639 \u0623\u0646 \u0646\u0645\u0648 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u0643\u0648\u0646 \u0623\u0628\u0637\u0623 \u0645\u0646 \u0627\u0644\u0631\u064a\u0627\u0636.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u062e\u0637\u0648\u0629 \u0628\u062e\u0637\u0648\u0629: \u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0643\u0623\u062c\u0646\u0628\u064a<\/h2>\n\n\n\n<p>\u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0647\u0646\u0627 \u064a\u062e\u062a\u0644\u0641 \u0639\u0646 \u0623\u0648\u0631\u0648\u0628\u0627 \u0623\u0648 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629. \u0625\u0644\u064a\u0643 \u062e\u0631\u064a\u0637\u0629 \u0627\u0644\u0637\u0631\u064a\u0642 <strong>\u0623\u0628\u0631\u0627\u062c \u0627\u0644\u0645\u0644\u0627\u0643<\/strong> \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a \u0644\u0639\u0645\u0644\u0627\u0626\u0646\u0627 \u0627\u0644\u062f\u0648\u0644\u064a\u064a\u0646:<\/p>\n\n\n\n<p><strong>\u0627\u0644\u062e\u0637\u0648\u0629 1: \u0627\u0644\u0628\u062d\u062b<\/strong> \u062d\u062f\u062f \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0648\u0647\u062f\u0641\u0643 (\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0634\u062e\u0635\u064a). \u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627 \u0644\u0639\u0631\u0636 \u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u064a \u062a\u0646\u0627\u0633\u0628 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643. <em>\u062a\u062d\u0630\u064a\u0631: \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0642\u062f\u064a\u0645\u0629. \u0623\u0646\u062a \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0648\u0633\u064a\u0637 \u0639\u0642\u0627\u0631\u064a \u064a\u062a\u0645\u062a\u0639 \u0628\u0648\u0635\u0648\u0644 \u0641\u0648\u0631\u064a \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642.<\/em><\/p>\n\n\n\n<p><strong>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629: \u0627\u0644\u062a\u0641\u0627\u0648\u0636<\/strong> \u0628\u0645\u062c\u0631\u062f \u0627\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0627\u0644\u0639\u0642\u0627\u0631 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u060c \u0646\u062a\u0641\u0627\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u0633\u0639\u0631. \u0641\u064a \u0627\u0644\u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0627\u0644\u062a\u0641\u0627\u0648\u0636 \u0623\u0645\u0631\u064c \u0645\u062a\u0648\u0642\u0651\u0639. \u0646\u062a\u0648\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631 \u0644\u0636\u0645\u0627\u0646 \u0639\u062f\u0645 \u062f\u0641\u0639\u0643 &quot;\u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u0644\u0644\u0623\u062c\u0627\u0646\u0628&quot;.\u201c<\/p>\n\n\n\n<p><strong>\u0627\u0644\u062e\u0637\u0648\u0629 3: \u0627\u0644\u0634\u064a\u0643<\/strong> \u0646\u062d\u0646 \u0646\u062a\u062d\u0642\u0642 \u0645\u0646 <strong>\u0633\u0646\u062f \u0627\u0644\u0645\u0644\u0643\u064a\u0629 (\u0627\u0644\u0635\u0643\u0648\u0643)<\/strong>. \u0623\u0635\u0628\u062d \u0627\u0644\u0639\u0642\u0627\u0631 \u0627\u0644\u0622\u0646 \u0631\u0642\u0645\u064a\u064b\u0627\u060c \u0645\u0645\u0627 \u064a\u0636\u0645\u0646 \u0648\u0636\u0648\u062d\u064b\u0627 \u062a\u0627\u0645\u064b\u0627 \u0628\u0634\u0623\u0646 \u0627\u0644\u0645\u0644\u0643\u064a\u0629. \u0643\u0645\u0627 \u0646\u062a\u062d\u0642\u0642 \u0645\u0646 \u0623\u064a \u0631\u0647\u0648\u0646 \u0639\u0642\u0627\u0631\u064a\u0629 \u0623\u0648 \u0631\u0647\u0646 \u0639\u0642\u0627\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u0639\u0642\u0627\u0631.<\/p>\n\n\n\n<p><strong>\u0627\u0644\u062e\u0637\u0648\u0629 4: \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 (\u0644\u0644\u0645\u0642\u064a\u0645\u064a\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0645\u064a\u0632\u064a\u0646)<\/strong> \u0646\u0633\u0627\u0639\u062f\u0643 \u0641\u064a \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0639\u0644\u0649 \u0631\u062e\u0635\u0629 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0639\u0628\u0631 \u0645\u0646\u0635\u0629 \u0623\u0628\u0634\u0631. \u064a\u062a\u0637\u0644\u0628 \u0630\u0644\u0643 \u062a\u0642\u062f\u064a\u0645 \u0634\u0647\u0627\u062f\u0629 \u0631\u0627\u062a\u0628\u0643 \u0648\u0643\u0634\u0648\u0641\u0627\u062a \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0628\u0646\u0643\u064a\u0629.<\/p>\n\n\n\n<p><strong>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062e\u0627\u0645\u0633\u0629: \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 (\u0627\u0644\u0648\u0641\u064a\/\u0627\u0644\u0625\u0641\u0631\u0627\u062c)<\/strong> \u062a\u062a\u0645 \u0639\u0645\u0644\u064a\u0629 \u0646\u0642\u0644 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0631\u0642\u0645\u064a\u064b\u0627 \u0639\u0628\u0631 \u0645\u0646\u0635\u0627\u062a \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0639\u062f\u0644. \u062a\u062f\u0641\u0639 \u0627\u0644\u062b\u0645\u0646 \u0639\u0628\u0631 \u0634\u064a\u0643 \u0645\u0635\u0631\u0641\u064a \u0645\u0635\u062f\u0642 \u0623\u0648 \u062d\u0648\u0627\u0644\u0629 \u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0648\u062a\u062f\u0641\u0639 \u0631\u0633\u0645 5% RETT\u060c \u0648\u064a\u064f\u0646\u0642\u0644 \u0635\u0643 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0641\u0648\u0631\u064b\u0627 \u0625\u0644\u0649 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0644\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646: \u0647\u0644 \u064a\u0645\u0643\u0646\u0646\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a\u061f<\/h2>\n\n\n\n<p>\u0646\u0639\u0645\u060c \u0641\u062a\u062d\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0644\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0634\u0631\u0648\u0637:<\/strong> \u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c \u062a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u062a\u0645\u0648\u064a\u0644 \u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 70-80% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0642\u0627\u0631 \u0644\u0644\u0645\u0642\u064a\u0645\u064a\u0646.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a:<\/strong> \u0639\u0627\u062f\u0629 \u0645\u0627 \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0643 \u062a\u062d\u0648\u064a\u0644 \u0631\u0627\u062a\u0628\u0643 \u0625\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0648\u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0648\u0638\u0641\u064b\u0627 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0644\u0645\u062f\u0629 1-2 \u0633\u0646\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644.<\/li>\n\n\n\n<li><strong>\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629:<\/strong> \u062a\u0631\u062a\u0628\u0637 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0628\u0645\u0639\u062f\u0644 \u0633\u0627\u064a\u0628\u0648\u0631 (\u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629). \u0648\u0642\u062f \u0634\u0647\u062f\u062a \u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u062a\u0642\u0644\u0628\u0627\u062a \u0645\u0624\u062e\u0631\u064b\u0627\u060c \u0644\u0630\u0627 \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0628\u062f\u0627\u0626\u0644. <strong>\u0623\u0628\u0631\u0627\u062c 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class=\"wp-block-heading\">\u0627\u0644\u062e\u0644\u0627\u0635\u0629: \u0623\u0635\u0648\u0644\u0643 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u0627\u0646\u062a\u0638\u0627\u0631\u0643<\/h2>\n\n\n\n<p>\u062a\u062a\u0636\u0627\u0621\u0644 \u0641\u0631\u0635 \u062f\u062e\u0648\u0644 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0628\u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0639\u0627\u0631. \u0648\u0645\u0639 \u0628\u062f\u0621 \u062a\u0634\u063a\u064a\u0644 \u0645\u0634\u0627\u0631\u064a\u0639 \u0639\u0627\u0645 \u0662\u0660\u0663\u0660 \u0627\u0644\u0636\u062e\u0645\u0629 \u0648\u062a\u0648\u0627\u0641\u062f \u0627\u0644\u0639\u0627\u0644\u0645 \u0639\u0644\u0649 \u0627\u0644\u0631\u064a\u0627\u0636 \u0644\u062d\u0636\u0648\u0631 \u0645\u0639\u0631\u0636 \u0625\u0643\u0633\u0628\u0648 \u0648\u0643\u0623\u0633 \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 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\u0627\u0644\u062c\u062f\u064a\u062f.<\/p>\n\n\n\n<p><strong>\u0647\u0644 \u0623\u0646\u062a \u0645\u0633\u062a\u0639\u062f \u0644\u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0645\u0639 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u061f<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u062a\u0635\u0644 \u0628\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646<\/h3>\n\n\n\n<p>\u062f\u0639\u0646\u0627 \u0646\u0633\u0627\u0639\u062f\u0643 \u0641\u064a \u0627\u0644\u062a\u0646\u0642\u0644 \u0628\u064a\u0646 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0623\u0641\u0636\u0644 \u0627\u0644\u0641\u0631\u0635 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0647\u0627\u062a\u0641 \/ \u0627\u0644\u0648\u0627\u062a\u0633\u0627\u0628:<\/strong> +966 53 323 5231<\/li>\n\n\n\n<li><strong>\u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a:<\/strong> youremails@gmail.com<\/li>\n\n\n\n<li><strong>\u0645\u0648\u0642\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a:<\/strong> <a href=\"https:\/\/abrajalmullak.com\/ar\/\" target=\"_blank\" rel=\"noreferrer noopener\">abrajalmullak.com<\/a><\/li>\n\n\n\n<li><strong>\u0639\u0646\u0648\u0627\u0646:<\/strong> \u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0623\u0628\u0631\u0627\u062c \u0627\u0644\u0645\u0644\u0627\u0643: \u0628\u0648\u0627\u0628\u062a\u0643 \u0625\u0644\u0649 \u0639\u0627\u0644\u0645 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction: The Doors Are Open For decades, the Saudi Arabian real estate market was a fortress\u2014exclusive, private, and closed off to the outside world. Expatriates, who helped build the nation&#8217;s infrastructure, hospitals, and schools, were perennial renters, sending their savings abroad to buy homes in their countries of origin. But 2025 is a different era. Under the visionary leadership driving Vision 2030, the Kingdom &#8230;<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20545","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/posts\/20545","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/comments?post=20545"}],"version-history":[{"count":1,"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/posts\/20545\/revisions"}],"predecessor-version":[{"id":20554,"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/posts\/20545\/revisions\/20554"}],"wp:attachment":[{"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/media?parent=20545"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/categories?post=20545"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/abrajalmullak.com\/ar\/wp-json\/wp\/v2\/tags?post=20545"}],"curies":[{"name":"\u0648\u0648\u0631\u062f\u0628\u0631\u064a\u0633","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}