{"id":6,"date":"2026-07-30T12:50:12","date_gmt":"2026-07-30T12:50:12","guid":{"rendered":"https:\/\/zakfond.com\/?page_id=6"},"modified":"2026-08-19T12:23:19","modified_gmt":"2026-08-19T12:23:19","slug":"blog","status":"publish","type":"page","link":"https:\/\/zakfond.com\/?page_id=6","title":{"rendered":"\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0438\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<!-- \u0417\u0430\u0431\u043e\u0440\u043e\u043d\u044f\u0454\u043c\u043e \u043c\u043e\u0431\u0456\u043b\u044c\u043d\u0438\u043c \u0431\u0440\u0430\u0443\u0437\u0435\u0440\u0430\u043c (Safari\/Chrome) \u043f\u0435\u0440\u0435\u0442\u0432\u043e\u0440\u044e\u0432\u0430\u0442\u0438 \u0446\u0438\u0444\u0440\u0438 \u043d\u0430 \u043f\u043e\u0441\u0438\u043b\u0430\u043d\u043d\u044f -->\n<meta name=\"format-detection\" content=\"telephone=no, date=no, address=no, email=no\">\n<title>\u041f\u043e\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u0435 \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f<\/title>\n<!-- \u041f\u0456\u0434\u043a\u043b\u044e\u0447\u0430\u0454\u043c\u043e \u0431\u0456\u0431\u043b\u0456\u043e\u0442\u0435\u043a\u0443 html2pdf.js -->\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/html2pdf.js\/0.10.1\/html2pdf.bundle.min.js\"><\/script>\n<style>\n    * {\n        box-sizing: border-box;\n        font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;\n    }\n    body {\n        background-color: #f4f6f9;\n        padding: 20px;\n        margin: 0;\n        color: #333;\n    }\n    .calculator-card {\n        max-width: 1000px;\n        margin: 0 auto;\n        background: #ffffff;\n        border-radius: 12px;\n        box-shadow: 0 4px 20px rgba(0,0,0,0.08);\n        padding: 30px;\n    }\n    h2, h3 {\n        margin-top: 0;\n        color: #1a365d;\n        text-align: center;\n    }\n    h2 { margin-bottom: 25px; }\n    .form-grid {\n        display: grid;\n        grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));\n        gap: 20px;\n        margin-bottom: 25px;\n    }\n    .form-group {\n        display: flex;\n        flex-direction: column;\n    }\n    label {\n        font-weight: 600;\n        font-size: 0.9rem;\n        margin-bottom: 8px;\n        color: #4a5568;\n    }\n    input {\n        padding: 10px 14px;\n        border: 1px solid #cbd5e0;\n        border-radius: 6px;\n        font-size: 1rem;\n        outline: none;\n        transition: border-color 0.2s;\n    }\n    input:focus {\n        border-color: #3182ce;\n    }\n    .btn-group {\n        display: flex;\n        gap: 15px;\n        margin-bottom: 25px;\n    }\n    button {\n        flex: 1;\n        padding: 12px;\n        border: none;\n        border-radius: 6px;\n        font-size: 1rem;\n        font-weight: 600;\n        color: #ffffff !important;\n        cursor: pointer;\n        transition: all 0.3s ease;\n    }\n    button:hover {\n        text-shadow: 0 0 8px rgba(255, 255, 255, 0.8), 0 0 12px rgba(255, 255, 255, 0.5);\n    }\n    .btn-calc {\n        background-color: #3182ce;\n        color: #ffffff !important;\n    }\n    .btn-calc:hover {\n        background-color: #2b6cb0;\n    }\n    .btn-pdf {\n        background-color: #38a169;\n        color: #ffffff !important;\n    }\n    .btn-pdf:hover {\n        background-color: #2f855a;\n    }\n\n    .summary-cards {\n        display: grid;\n        grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));\n        gap: 12px;\n        margin: 10px 0 15px 0;\n    }\n    .summary-card {\n        background-color: #ebf8ff;\n        border-left: 4px solid #3182ce;\n        padding: 10px 12px;\n        border-radius: 4px;\n    }\n    .summary-card div:first-child {\n        font-size: 0.85rem;\n        color: #4a5568;\n    }\n    .summary-card div:last-child {\n        font-size: 1.15rem;\n        font-weight: 700;\n        color: #2b6cb0 !important;\n        margin-top: 4px;\n    }\n    .table-wrapper {\n        overflow-x: auto;\n        margin-top: 10px;\n    }\n    table {\n        width: 100%;\n        border-collapse: collapse;\n        text-align: left;\n        font-size: 0.88rem;\n        color: #333333 !important;\n    }\n    th, td {\n        padding: 8px 10px;\n        border: 1px solid #e2e8f0;\n        color: inherit !important;\n        white-space: nowrap;\n    }\n    th {\n        background-color: #f7fafc;\n        color: #4a5568 !important;\n        font-weight: 600;\n        text-align: center;\n        vertical-align: middle;\n    }\n    \/* \u0414\u043e\u0437\u0432\u043e\u043b\u044f\u0454\u043c\u043e \u043f\u0435\u0440\u0435\u043d\u043e\u0441 \u0442\u0435\u043a\u0441\u0442\u0443 \u043b\u0438\u0448\u0435 \u0434\u043b\u044f \u0434\u0430\u043d\u043e\u0433\u043e \u0437\u0430\u0433\u043e\u043b\u043e\u0432\u043a\u0430 *\/\n    th.col-total-payment {\n        white-space: normal !important;\n        line-height: 1.2;\n        min-width: 110px;\n    }\n    tr {\n        page-break-inside: avoid !important;\n        break-inside: avoid !important;\n    }\n    tbody tr:hover {\n        background-color: #f8fafc;\n    }\n    .hidden {\n        display: none;\n    }\n    #pdf-content {\n        padding: 0;\n        background: white;\n    }\n    a[href^=\"tel\"], a[href^=\"sms\"], #pdf-content a {\n        color: inherit !important;\n        text-decoration: none !important;\n    }\n\n    \/* \u0421\u0442\u0438\u043b\u0456 \u0434\u043b\u044f \u0444\u043e\u0440\u043c\u0443\u0432\u0430\u043d\u043d\u044f PDF *\/\n    .pdf-export-mode table {\n        font-size: 0.75rem !important;\n    }\n    .pdf-export-mode th, .pdf-export-mode td {\n        padding: 4px 6px !important;\n    }\n    .pdf-export-mode .q-gt-9 td {\n        font-size: 0.7rem !important;\n    }\n<\/style>\n\n<div class=\"calculator-card\">\n    <h2>\u0420\u043e\u0437\u0440\u0430\u0445\u0443\u043d\u043e\u043a \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443 (\u0449\u043e\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u0435 \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f)<\/h2>\n    \n    <div class=\"form-grid\">\n        <div class=\"form-group\">\n            <label for=\"amount\">\u0421\u0443\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0443 (\u0433\u0440\u043d)<\/label>\n            <input type=\"number\" id=\"amount\" placeholder=\"\u041d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434: 100000\" value=\"100000\" min=\"1\" step=\"any\">\n        <\/div>\n        <div class=\"form-group\">\n            <label for=\"rate\">\u0420\u0456\u0447\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 (3% \u043d\u0430 \u0437\u0430\u043b\u0438\u0448\u043e\u043a)<\/label>\n            <input type=\"number\" id=\"rate\" placeholder=\"\u041d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434: 3\" value=\"3\" min=\"0\" step=\"0.1\">\n        <\/div>\n        <div class=\"form-group\">\n            <label for=\"commissionRate\">\u0420\u0456\u0447\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430: 2% \u0444\u0456\u043a\u0441\u043e\u0432\u0430\u043d\u043e<\/label>\n            <input type=\"number\" id=\"commissionRate\" placeholder=\"\u041d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434: 2\" value=\"2\" min=\"0\" step=\"0.01\">\n        <\/div>\n        <div class=\"form-group\">\n            <label for=\"years\">\u0422\u0435\u0440\u043c\u0456\u043d \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f (\u0440\u043e\u043a\u0456\u0432)<\/label>\n            <input type=\"number\" id=\"years\" placeholder=\"\u041d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434: 5\" value=\"5\" min=\"1\" step=\"1\">\n        <\/div>\n    <\/div>\n\n    <div class=\"btn-group\">\n        <button class=\"btn-calc\" onclick=\"calculateCredit()\">\u0420\u043e\u0437\u0440\u0430\u0445\u0443\u0432\u0430\u0442\u0438 \u0433\u0440\u0430\u0444\u0456\u043a<\/button>\n        <button id=\"pdfBtn\" class=\"btn-pdf hidden\" onclick=\"exportToPDF()\">\u0417\u0430\u0432\u0430\u043d\u0442\u0430\u0436\u0438\u0442\u0438 \u0432 PDF<\/button>\n    <\/div>\n\n    <!-- \u0411\u043b\u043e\u043a \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0456\u0432 -->\n    <div id=\"results\" class=\"hidden\">\n        <div id=\"pdf-content\">\n            <h3 style=\"margin-top: 0; margin-bottom: 10px;\">\u041f\u043e\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u0438\u0439 \u0433\u0440\u0430\u0444\u0456\u043a \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432<\/h3>\n            \n            <div class=\"summary-cards\">\n                <div class=\"summary-card\">\n                    <div>\u041e\u0441\u043d\u043e\u0432\u043d\u0438\u0439 \u0431\u043e\u0440\u0433<\/div>\n                    <div id=\"sumPrincipal\">0 \u0433\u0440\u043d<\/div>\n                <\/div>\n                <div class=\"summary-card\">\n                    <div>\u0412\u0441\u044c\u043e\u0433\u043e \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u0456\u0432<\/div>\n                    <div id=\"sumInterest\">0 \u0433\u0440\u043d<\/div>\n                <\/div>\n                <div class=\"summary-card\">\n                    <div>\u0412\u0456\u0434\u0441\u043e\u0442\u043a\u0438 \u0437\u0430 \u043e\u0431\u0441\u043b\u0443\u0433\u043e\u0432\u0443\u0432\u0430\u043d\u043d\u044f<\/div>\n                    <div id=\"sumCommission\">0 \u0433\u0440\u043d<\/div>\n                <\/div>\n                <div class=\"summary-card\">\n                    <div>\u0417\u0430\u0433\u0430\u043b\u044c\u043d\u0430 \u0432\u0438\u043f\u043b\u0430\u0442\u0430<\/div>\n                    <div id=\"sumTotal\">0 \u0433\u0440\u043d<\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"table-wrapper\">\n                <table>\n                    <thead>\n                        <tr>\n                            <th rowspan=\"2\">\u041a\u0432\u0430\u0440\u0442\u0430\u043b<\/th>\n                            <th rowspan=\"2\">\u0411\u043e\u0440\u0433 \u043d\u0430 \u043f\u043e\u0447\u0430\u0442\u043e\u043a<\/th>\n                            <th rowspan=\"2\" class=\"col-total-payment\">\u0422\u0456\u043b\u043e<br>\u043a\u0440\u0435\u0434\u0438\u0442\u0443<\/th>\n                            <th \n                            <th colspan=\"2\">\u0412\u0456\u0434\u0441\u043e\u0442\u043a\u0438 \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443*<\/th>\n                            <th rowspan=\"2\" class=\"col-total-payment\">\u0417\u0430\u0433\u0430\u043b\u044c\u043d\u0438\u0439<br>\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u0438\u0439<br>\u043f\u043b\u0430\u0442\u0456\u0436<\/th>\n                            <th rowspan=\"2\">\u0411\u043e\u0440\u0433 \u043d\u0430 \u043a\u0456\u043d\u0435\u0446\u044c<\/th>\n                        <\/tr>\n                        <tr>\n                            <th>3%<\/th>\n                            <th>2%<\/th>\n                        <\/tr>\n                    <\/thead>\n                    <tbody id=\"scheduleBody\"><\/tbody>\n                <\/table>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<script>\n    function calculateCredit() {\n        const amount = parseFloat(document.getElementById('amount').value);\n        const rate = parseFloat(document.getElementById('rate').value);\n        const commissionRateInput = parseFloat(document.getElementById('commissionRate').value);\n        const years = parseInt(document.getElementById('years').value);\n\n        if (isNaN(amount) || isNaN(rate) || isNaN(commissionRateInput) || isNaN(years) || amount <= 0 || years <= 0) {\n            alert('\u0411\u0443\u0434\u044c \u043b\u0430\u0441\u043a\u0430, \u0432\u0432\u0435\u0434\u0456\u0442\u044c \u043a\u043e\u0440\u0435\u043a\u0442\u043d\u0456 \u0437\u043d\u0430\u0447\u0435\u043d\u043d\u044f \u0443 \u0432\u0441\u0456 \u043f\u043e\u043b\u044f.');\n            return;\n        }\n\n        const totalQuarters = years * 4;\n        const quarterlyPrincipal = amount \/ totalQuarters;\n        \n        \/\/ \u041a\u0456\u043b\u044c\u043a\u0456\u0441\u0442\u044c \u0434\u043d\u0456\u0432 \u043f\u043e \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0430\u0445: 1-\u0439 \u2014 90, 2-\u0439 \u2014 91, 3-\u0439 \u2014 92, 4-\u0439 \u2014 92\n        const daysInQuarters = [90, 91, 92, 92];\n        \n        \/\/ \u0420\u043e\u0437\u0440\u0430\u0445\u0443\u043d\u043e\u043a \u043f\u043e\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u043e\u0457 \u043a\u043e\u043c\u0456\u0441\u0456\u0457\n        const commissionRate = commissionRateInput \/ 100;\n        const quarterlyCommission = (amount * commissionRate * years) \/ totalQuarters;\n\n        let remainingBalance = amount;\n        let totalInterestPaid = 0;\n        let totalCommissionPaid = 0;\n        let tableHtml = '';\n\n        for (let q = 1; q <= totalQuarters; q++) {\n            const startBalance = remainingBalance;\n            \n            \/\/ \u0412\u0438\u0437\u043d\u0430\u0447\u0430\u0454\u043c\u043e \u043a\u0456\u043b\u044c\u043a\u0456\u0441\u0442\u044c \u0434\u043d\u0456\u0432 \u0443 \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0456 \u0434\u043b\u044f \u0440\u043e\u0437\u0440\u0430\u0445\u0443\u043d\u043a\u0443\n            const quarterDays = daysInQuarters[(q - 1) % 4];\n            \n            \/\/ \u0424\u043e\u0440\u043c\u0443\u043b\u0430 \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u0456\u0432: (\u0417\u0430\u043b\u0438\u0448\u043e\u043a * \u0420\u0456\u0447\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 \/ 100 \/ 365) * \u0414\u043d\u0456 \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0443\n            const interestPayment = (startBalance * (rate \/ 100) \/ 365) * quarterDays;\n            \n            const totalQuarterlyPayment = quarterlyPrincipal + interestPayment + quarterlyCommission;\n            \n            remainingBalance -= quarterlyPrincipal;\n            if (q === totalQuarters) remainingBalance = 0;\n\n            totalInterestPaid += interestPayment;\n            totalCommissionPaid += quarterlyCommission;\n\n            const rowClass = q >= 10 ? 'class=\"q-gt-9\"' : '';\n\n            tableHtml += `\n                <tr ${rowClass}>\n                    <td><strong>\u041a\u0432\u0430\u0440\u0442\u0430\u043b ${q}<\/strong><\/td>\n                    <td>${startBalance.toFixed(0)} \u0433\u0440\u043d<\/td>\n                    <td>${quarterlyPrincipal.toFixed(0)} \u0433\u0440\u043d<\/td>\n                    <td>${interestPayment.toFixed(0)} \u0433\u0440\u043d<\/td>\n                    <td>${quarterlyCommission.toFixed(0)} \u0433\u0440\u043d<\/td>\n                    <td><strong>${totalQuarterlyPayment.toFixed(0)} \u0433\u0440\u043d<\/strong><\/td>\n                    <td>${remainingBalance.toFixed(0)} \u0433\u0440\u043d<\/td>\n                <\/tr>\n            `;\n        }\n\n        \/\/ \u0412\u0456\u0434\u043e\u0431\u0440\u0430\u0436\u0435\u043d\u043d\u044f \u043f\u0456\u0434\u0441\u0443\u043c\u043a\u043e\u0432\u0438\u0445 \u0434\u0430\u043d\u0438\u0445\n        document.getElementById('sumPrincipal').textContent = amount.toLocaleString('uk-UA', { minimumFractionDigits: 2, maximumFractionDigits: 2 }) + ' \u0433\u0440\u043d';\n        document.getElementById('sumInterest').textContent = totalInterestPaid.toLocaleString('uk-UA', { minimumFractionDigits: 2, maximumFractionDigits: 2 }) + ' \u0433\u0440\u043d';\n        document.getElementById('sumCommission').textContent = totalCommissionPaid.toLocaleString('uk-UA', { minimumFractionDigits: 2, maximumFractionDigits: 2 }) + ' \u0433\u0440\u043d';\n        \n        const totalAmount = amount + totalInterestPaid + totalCommissionPaid;\n        document.getElementById('sumTotal').textContent = totalAmount.toLocaleString('uk-UA', { minimumFractionDigits: 2, maximumFractionDigits: 2 }) + ' \u0433\u0440\u043d';\n\n        document.getElementById('scheduleBody').innerHTML = tableHtml;\n        \n        \/\/ \u041f\u043e\u043a\u0430\u0437\u0443\u0454\u043c\u043e \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0438 \u0442\u0430 \u043a\u043d\u043e\u043f\u043a\u0443 \u0437\u0430\u0432\u0430\u043d\u0442\u0430\u0436\u0435\u043d\u043d\u044f PDF\n        document.getElementById('results').classList.remove('hidden');\n        document.getElementById('pdfBtn').classList.remove('hidden');\n    }\n\n    function exportToPDF() {\n        const element = document.getElementById('pdf-content');\n        \n        \/\/ \u0414\u043e\u0434\u0430\u0454\u043c\u043e \u0442\u0438\u043c\u0447\u0430\u0441\u043e\u0432\u0438\u0439 \u043a\u043b\u0430\u0441 \u043a\u043e\u043c\u043f\u0430\u043a\u0442\u043d\u043e\u0441\u0442\u0456 \u043f\u0435\u0440\u0435\u0434 \u0440\u0435\u043d\u0434\u0435\u0440\u043e\u043c\n        element.classList.add('pdf-export-mode');\n\n        const options = {\n            margin:       [8, 8, 8, 8],\n            filename:     'Kredytnyy_Hrafik.pdf',\n            image:        { type: 'jpeg', quality: 0.98 },\n            html2canvas:  { \n                scale: 2, \n                scrollY: 0, \n                scrollX: 0, \n                useCORS: true \n            },\n            jsPDF:        { unit: 'mm', format: 'a4', orientation: 'landscape' },\n            pagebreak:    { mode: ['css'] }\n        };\n\n        html2pdf().set(options).from(element).save().then(() => {\n            \/\/ \u041f\u0440\u0438\u0431\u0438\u0440\u0430\u0454\u043c\u043e \u043a\u043b\u0430\u0441 \u043a\u043e\u043c\u043f\u0430\u043a\u0442\u043d\u043e\u0441\u0442\u0456 \u043f\u0456\u0441\u043b\u044f \u0437\u0430\u0432\u0430\u043d\u0442\u0430\u0436\u0435\u043d\u043d\u044f\n            element.classList.remove('pdf-export-mode');\n        });\n    }\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*\u041f\u0420\u0418\u041c\u0406\u0422\u041a\u0410:<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">\u2013&nbsp;<strong>\u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 <\/strong><strong>3+2<\/strong><strong> % <\/strong>(3% \u0440\u0456\u0447\u043d\u0438\u0445, \u0449\u043e \u043d\u0430\u0440\u0430\u0445\u043e\u0432\u0443\u044e\u0442\u044c\u0441\u044f \u043d\u0430 \u0444\u0430\u043a\u0442\u0438\u0447\u043d\u0438\u0439 \u0437\u0430\u043b\u0438\u0448\u043e\u043a \u0437\u0430\u0431\u043e\u0440\u0433\u043e\u0432\u0430\u043d\u043e\u0441\u0442\u0456 \u0437\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u043c \u0442\u0430 2% \u0440\u0456\u0447\u043d\u0438\u0445 \u0444\u0456\u043a\u0441\u043e\u0432\u0430\u043d\u043e, \u0449\u043e \u043d\u0430\u0440\u0430\u0445\u043e\u0432\u0443\u044e\u0442\u044c\u0441\u044f \u043d\u0430 \u0441\u0443\u043c\u0443 \u043d\u0430\u0434\u0430\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443)<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">\u2013&nbsp;<strong>\u043f\u0456\u043b\u044c\u0433\u043e\u0432\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 2 %<\/strong>&nbsp;(0% \u0440\u0456\u0447\u043d\u0438\u0445 \u043d\u0430 \u0444\u0430\u043a\u0442\u0438\u0447\u043d\u0438\u0439 \u0437\u0430\u043b\u0438\u0448\u043e\u043a \u0437\u0430\u0431\u043e\u0440\u0433\u043e\u0432\u0430\u043d\u043e\u0441\u0442\u0456 \u0437\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u043c \u0442\u0430 2% \u0440\u0456\u0447\u043d\u0438\u0445 \u0444\u0456\u043a\u0441\u043e\u0432\u0430\u043d\u043e, \u0449\u043e \u043d\u0430\u0440\u0430\u0445\u043e\u0432\u0443\u044e\u0442\u044c\u0441\u044f \u043d\u0430 \u0441\u0443\u043c\u0443 \u043d\u0430\u0434\u0430\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443).<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">\u041f\u0456\u043b\u044c\u0433\u043e\u0432\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 \u043c\u043e\u0436\u0435 \u0431\u0443\u0442\u0438 \u0432\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0430 \u0442\u0430\u043a\u0438\u043c \u043a\u0430\u0442\u0435\u0433\u043e\u0440\u0456\u044f\u043c \u0433\u0440\u043e\u043c\u0430\u0434\u044f\u043d:<br>\u2013 \u0432\u0435\u0442\u0435\u0440\u0430\u043d\u0430\u043c \u0432\u0456\u0439\u043d\u0438 (\u0443\u0447\u0430\u0441\u043d\u0438\u043a\u0430\u043c \u0431\u043e\u0439\u043e\u0432\u0438\u0445 \u0434\u0456\u0439, \u043e\u0441\u043e\u0431\u0430\u043c \u0437 \u0456\u043d\u0432\u0430\u043b\u0456\u0434\u043d\u0456\u0441\u0442\u044e \u0432\u043d\u0430\u0441\u043b\u0456\u0434\u043e\u043a \u0432\u0456\u0439\u043d\u0438, \u0443\u0447\u0430\u0441\u043d\u0438\u043a\u0430\u043c \u0432\u0456\u0439\u043d\u0438), \u0457\u0445 \u0447\u043e\u043b\u043e\u0432\u0456\u043a\u0430\u043c\/\u0434\u0440\u0443\u0436\u0438\u043d\u0430\u043c;<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">\u2013 \u0447\u043b\u0435\u043d\u0443 \u0441\u0456\u043c\u2019\u0457 \u0437\u0430\u0433\u0438\u0431\u043b\u043e\u0433\u043e (\u043f\u043e\u043c\u0435\u0440\u043b\u043e\u0433\u043e) \u0432\u0435\u0442\u0435\u0440\u0430\u043d\u0430 \u0432\u0456\u0439\u043d\u0438;<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">\u2013 \u043f\u043e\u0437\u0438\u0447\u0430\u043b\u044c\u043d\u0438\u043a\u0430\u043c, \u044f\u043a\u0456 \u043c\u0430\u044e\u0442\u044c \u0442\u0440\u044c\u043e\u0445 \u0456 \u0431\u0456\u043b\u044c\u0448\u0435 \u043d\u0435\u043f\u043e\u0432\u043d\u043e\u043b\u0456\u0442\u043d\u0456\u0445 \u0434\u0456\u0442\u0435\u0439;<\/p>\n\n\n\n<p class=\"has-text-align-justify wp-block-paragraph\">\u2013 \u0432\u0456\u0439\u0441\u044c\u043a\u043e\u0432\u043e\u0441\u043b\u0443\u0436\u0431\u043e\u0432\u0446\u044f\u043c, \u043f\u043e\u0434\u0440\u0443\u0436\u0436\u044e, \u0443 \u044f\u043a\u043e\u043c\u0443 \u0447\u043e\u043b\u043e\u0432\u0456\u043a \u0430\u0431\u043e \u0434\u0440\u0443\u0436\u0438\u043d\u0430 \u0454 \u0432\u0456\u0439\u0441\u044c\u043a\u043e\u0432\u043e\u0441\u043b\u0443\u0436\u0431\u043e\u0432\u0446\u0435\u043c.<br><br><br><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u041f\u043e\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u0435 \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f \u0420\u043e\u0437\u0440\u0430\u0445\u0443\u043d\u043e\u043a \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443 (\u0449\u043e\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u0435 \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f) \u0421\u0443\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0443 (\u0433\u0440\u043d) \u0420\u0456\u0447\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 (3% \u043d\u0430 \u0437\u0430\u043b\u0438\u0448\u043e\u043a) \u0420\u0456\u0447\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430: 2% \u0444\u0456\u043a\u0441\u043e\u0432\u0430\u043d\u043e \u0422\u0435\u0440\u043c\u0456\u043d \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f (\u0440\u043e\u043a\u0456\u0432) \u0420\u043e\u0437\u0440\u0430\u0445\u0443\u0432\u0430\u0442\u0438 \u0433\u0440\u0430\u0444\u0456\u043a \u0417\u0430\u0432\u0430\u043d\u0442\u0430\u0436\u0438\u0442\u0438 \u0432 PDF \u041f\u043e\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u0438\u0439 \u0433\u0440\u0430\u0444\u0456\u043a \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432 \u041e\u0441\u043d\u043e\u0432\u043d\u0438\u0439 \u0431\u043e\u0440\u0433 0 \u0433\u0440\u043d \u0412\u0441\u044c\u043e\u0433\u043e \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u0456\u0432 0 \u0433\u0440\u043d \u0412\u0456\u0434\u0441\u043e\u0442\u043a\u0438 \u0437\u0430 \u043e\u0431\u0441\u043b\u0443\u0433\u043e\u0432\u0443\u0432\u0430\u043d\u043d\u044f 0 \u0433\u0440\u043d \u0417\u0430\u0433\u0430\u043b\u044c\u043d\u0430 \u0432\u0438\u043f\u043b\u0430\u0442\u0430 0 \u0433\u0440\u043d \u041a\u0432\u0430\u0440\u0442\u0430\u043b \u0411\u043e\u0440\u0433 \u043d\u0430 \u043f\u043e\u0447\u0430\u0442\u043e\u043a \u0422\u0456\u043b\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0443<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0,"footnotes":""},"class_list":["post-6","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0438\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 - \u0424\u043e\u043d\u0434 \u0456\u043d\u0432\u0435\u0441\u0442\u0443\u0432\u0430\u043d\u043d\u044f &quot;\u0412\u041b\u0410\u0421\u041d\u0418\u0419 \u0414\u0406\u041c&quot;<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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