{"id":549,"date":"2025-10-27T17:43:18","date_gmt":"2025-10-27T14:43:18","guid":{"rendered":"https:\/\/investopedia.su\/ru\/?p=549"},"modified":"2025-10-28T16:56:31","modified_gmt":"2025-10-28T13:56:31","slug":"financial-rent","status":"publish","type":"post","link":"https:\/\/investopedia.su\/hi\/financial-rent\/","title":{"rendered":"\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940"},"content":{"rendered":"\n<figure class=\"wp-block-pullquote\"><blockquote><p><strong>\u090f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 (\u092f\u093e \u090f\u0928\u094d\u092f\u0941\u0907\u091f\u0940) \u0938\u092e\u093e\u0928 \u0938\u092e\u092f \u0905\u0902\u0924\u0930\u093e\u0932 \u092a\u0930 \u0915\u093f\u090f \u0917\u090f \u0938\u092e\u093e\u0928 \u092d\u0941\u0917\u0924\u093e\u0928\u094b\u0902 \u0915\u093e \u090f\u0915 \u0915\u094d\u0930\u092e \u0939\u0948\u0964 \u0907\u0938 \u0936\u092c\u094d\u0926 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u090b\u0923 \u091a\u0941\u0915\u094c\u0924\u0940 \u092f\u093e \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924\u093f \u091c\u0948\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u093e\u0927\u0928\u094b\u0902 \u0915\u093e \u0935\u0930\u094d\u0923\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939 \u092d\u0941\u0917\u0924\u093e\u0928\u094b\u0902 \u0915\u0947 \u0909\u0938 \u092a\u094d\u0930\u0935\u093e\u0939 \u0915\u093e \u0935\u0930\u094d\u0923\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u0915\u0940 \u0930\u093e\u0936\u093f \u0914\u0930 \u0906\u0935\u0943\u0924\u094d\u0924\u093f \u0938\u092e\u093e\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0915\u0947 \u092e\u0941\u0916\u094d\u092f \u092e\u093e\u092a\u0926\u0902\u0921\u094b\u0902 \u092e\u0947\u0902 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f (\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0938\u0926\u0938\u094d\u092f), \u092d\u0941\u0917\u0924\u093e\u0928\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0915\u093e \u0905\u0902\u0924\u0930\u093e\u0932 (\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0905\u0935\u0927\u093f) \u0914\u0930 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0915\u0940 \u0915\u0941\u0932 \u0905\u0935\u0927\u093f \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/strong><\/p><\/blockquote><\/figure>\n\n\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092d\u0941\u0917\u0924\u093e\u0928<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 (\u092b\u094d\u0930\u0947\u0902\u091a&nbsp;<em>annuit\u00e9<\/em>, \u0932\u0948\u091f\u093f\u0928&nbsp;<em>annuus<\/em>&nbsp;\u2014 \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0938\u0947) \u090f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0936\u092c\u094d\u0926 \u0939\u0948 \u091c\u094b \u0915\u093f\u0938\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u093e\u0927\u0928 (\u091c\u0948\u0938\u0947, \u090b\u0923 \u092f\u093e \u0915\u0930\u094d\u091c) \u0915\u094b \u0938\u092e\u093e\u0928 \u0905\u0902\u0924\u0930\u093e\u0932 \u092a\u0930 (\u091c\u0948\u0938\u0947, \u092e\u093e\u0938\u093f\u0915 \u092f\u093e \u0924\u094d\u0930\u0948\u092e\u093e\u0938\u093f\u0915) \u0938\u092e\u093e\u0928 \u0930\u093e\u0936\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0940 \u090f\u0915 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948\u0964 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092d\u0941\u0917\u0924\u093e\u0928 \u092e\u0947\u0902 \u092e\u0942\u0932\u0927\u0928 \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e \u0914\u0930 \u0909\u092a\u093e\u0930\u094d\u091c\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0935\u094d\u092f\u093e\u092a\u0915 \u0905\u0930\u094d\u0925 \u092e\u0947\u0902, \u090f\u0915 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u090f\u0915 \u0905\u0935\u0927\u093f \u0938\u0930\u0915\u093e\u0930\u0940 \u090b\u0923, \u091c\u093f\u0938\u092e\u0947\u0902 \u092a\u094d\u0930\u0924\u093f\u0935\u0930\u094d\u0937 \u090b\u0923 \u0915\u0947 \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u0947 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u090b\u0923 \u092f\u093e \u0915\u0930\u094d\u091c \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092e\u093e\u0928 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u092d\u0941\u0917\u0924\u093e\u0928\u0964<\/li>\n\n\n\n<li>\u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e \u092e\u0947\u0902 \u2014 \u090f\u0915 \u0905\u0928\u0941\u092c\u0902\u0927 \u091c\u094b \u0938\u0939\u092e\u0924 \u0930\u093e\u0936\u093f\u092f\u094b\u0902 \u0915\u094b \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u0905\u0927\u093f\u0915\u093e\u0930 \u0926\u0947\u0924\u093e \u0939\u0948, \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f \u092a\u0930\u0964<\/li>\n\n\n\n<li>\u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u092c\u0940\u092e\u093e \u092d\u0941\u0917\u0924\u093e\u0928\u094b\u0902 \u0915\u0940 \u0936\u094d\u0930\u0943\u0902\u0916\u0932\u093e \u0915\u093e \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0942\u0932\u094d\u092f\u0964<\/li>\n\n\n\n<li>\u090f\u0915 \u0938\u0902\u091a\u092f \u092f\u094b\u091c\u0928\u093e \u091c\u0939\u093e\u0901 \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0938\u092e\u092f \u0924\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0932\u0915\u094d\u0937\u094d\u092f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0938\u092e\u093e\u0928 \u0930\u093e\u0936\u093f\u092f\u093e\u0901 \u091c\u092e\u093e \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u092e\u092f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092a\u094b\u0938\u094d\u091f\u0928\u094d\u092f\u0942\u092e\u0947\u0930\u0948\u0902\u0921\u094b (\u0938\u093e\u0927\u093e\u0930\u0923 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940)<\/strong>\u00a0\u2014 \u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0905\u0935\u0927\u093f (\u092e\u0939\u0940\u0928\u093e, \u0924\u093f\u092e\u093e\u0939\u0940) \u0915\u0947 \u0905\u0902\u0924 \u092e\u0947\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u090b\u0923\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0906\u092e \u092f\u094b\u091c\u0928\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092a\u094d\u0930\u0940\u0928\u094d\u092f\u0942\u092e\u0947\u0930\u0948\u0902\u0921\u094b (\u0905\u0926\u093e \u0915\u0940 \u0917\u0908 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940)<\/strong>\u00a0\u2014 \u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0905\u0935\u0927\u093f \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0915\u093e\u0930\u0915<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0915\u093e\u0930\u0915 (K) \u090f\u0915 \u092e\u093e\u0928 \u0939\u0948 \u091c\u094b \u090b\u0923 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0927\u093f\u0915 \u0938\u092e\u093e\u0928 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0947 \u0906\u0915\u093e\u0930 \u0915\u094b \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0938\u0942\u0924\u094d\u0930 (\u092a\u094b\u0938\u094d\u091f\u0928\u094d\u092f\u0942\u092e\u0947\u0930\u0948\u0902\u0921\u094b \u092d\u0941\u0917\u0924\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f) \u0939\u0948:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K = [ i * (1 + i)^n ] \/ [ (1 + i)^n \u2013 1 ]\n\n\n\n<p class=\"wp-block-paragraph\">\u091c\u0939\u093e\u0901:<br>i \u2014 \u092a\u094d\u0930\u0924\u093f \u0905\u0935\u0927\u093f \u092c\u094d\u092f\u093e\u091c \u0926\u0930 (\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u092e\u093e\u0938\u093f\u0915),<br>n \u2014 \u0905\u0935\u0927\u093f\u092f\u094b\u0902 \u0915\u0940 \u0915\u0941\u0932 \u0938\u0902\u0916\u094d\u092f\u093e (\u092d\u0941\u0917\u0924\u093e\u0928)\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0906\u0935\u0927\u093f\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 (A) \u0915\u093e \u0906\u0915\u093e\u0930 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0917\u0923\u0928\u093e \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948: A = K * S, \u091c\u0939\u093e\u0901 S \u090b\u0923 \u0915\u0940 \u092a\u094d\u0930\u093e\u0930\u0902\u092d\u093f\u0915 \u0930\u093e\u0936\u093f \u0939\u0948\u0964<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092d\u0941\u0917\u0924\u093e\u0928 \u0935\u093e\u0932\u093e \u090b\u0923 (Loan with Annuity Payments)<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u090b\u0923 \u091a\u0941\u0915\u094c\u0924\u0940 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924, \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u092a\u0942\u0930\u0940 \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u0938\u092e\u093e\u0928 \u0930\u093e\u0936\u093f \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u0924\u093e \u092f\u0939 \u0939\u0948 \u0915\u093f \u090b\u0923 \u0905\u0935\u0927\u093f \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902, \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093e \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0939\u093f\u0938\u094d\u0938\u093e \u092c\u094d\u092f\u093e\u091c \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u091a\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0914\u0930 \u090f\u0915 \u091b\u094b\u091f\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u092e\u0942\u0932\u0927\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902\u0964 \u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925, \u092f\u0939 \u0905\u0928\u0941\u092a\u093e\u0924 \u092e\u0942\u0932\u0927\u0928 \u0915\u0947 \u092a\u0915\u094d\u0937 \u092e\u0947\u0902 \u092c\u0926\u0932 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092d\u0941\u0917\u0924\u093e\u0928\u094b\u0902 \u0915\u093e \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0942\u0932\u094d\u092f (Future Value of Annuity Payments)<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0939 \u0905\u0935\u0927\u093e\u0930\u0923\u093e \u0909\u0938 \u0930\u093e\u0936\u093f \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948 \u091c\u094b \u091c\u092e\u093e \u0939\u094b\u0917\u0940 \u092f\u0926\u093f \u092c\u094d\u092f\u093e\u091c \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0947 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0938\u092e\u093e\u0928 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093f\u090f \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u092e\u0942\u0932\u094d\u092f (FV) \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0938\u0942\u0924\u094d\u0930 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0939\u0948:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FV = X * [ (1 + r)^n \u2013 1 ] \/ r<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u091c\u0939\u093e\u0901:<br>X \u2014 \u0928\u093f\u092f\u092e\u093f\u0924 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f,<br>r \u2014 \u092a\u094d\u0930\u0924\u093f \u0905\u0935\u0927\u093f \u092c\u094d\u092f\u093e\u091c \u0926\u0930,<br>n \u2014 \u0905\u0935\u0927\u093f\u092f\u094b\u0902 \u0915\u0940 \u0938\u0902\u0916\u094d\u092f\u093e\u0964<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>&#8220;\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940&#8221; \u0915\u0940 \u0926\u094b\u0928\u094b\u0902 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u092e\u0947\u0902 \u0915\u094d\u092f\u093e \u0905\u0902\u0924\u0930 \u0939\u0948?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u090a\u092a\u0930 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u092a\u093e\u0920 \u0914\u0930 \u092a\u0939\u0932\u0947 \u0932\u093f\u0916\u093e \u0917\u092f\u093e \u0932\u0947\u0916 &#8220;\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u0915\u094d\u092f\u093e \u0939\u0948?&#8221; \u0926\u094b \u0905\u0932\u0917-\u0905\u0932\u0917 \u0932\u0947\u0915\u093f\u0928 \u0906\u092a\u0938 \u092e\u0947\u0902 \u091c\u0941\u0921\u093c\u0940 \u0939\u0941\u0908 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u0915\u093e \u0935\u0930\u094d\u0923\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u092d\u094d\u0930\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092e\u0941\u0916\u094d\u092f \u0905\u0902\u0924\u0930&nbsp;<strong>\u0905\u0935\u0927\u093e\u0930\u0923\u093e \u0915\u0940 \u0935\u094d\u092f\u093e\u092a\u0915\u0924\u093e<\/strong>&nbsp;\u0914\u0930&nbsp;<strong>\u0905\u0928\u0941\u092a\u094d\u0930\u092f\u094b\u0917 \u0915\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930<\/strong>&nbsp;\u092e\u0947\u0902 \u0928\u093f\u0939\u093f\u0924 \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0935\u093f\u0927\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940<\/strong>&nbsp;(\u0907\u0938 \u092a\u093e\u0920 \u0938\u0947):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0938\u093e\u0930:<\/strong>\u00a0\u092f\u0939, \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947, \u090f\u0915\u00a0<strong>\u0917\u0923\u093f\u0924\u0940\u092f \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092e\u0949\u0921\u0932<\/strong>\u00a0\u0939\u0948 \u2014 \u090f\u0915 \u091a\u0941\u0915\u094c\u0924\u0940 \u0905\u0928\u0941\u0938\u0942\u091a\u0940 \u091c\u093f\u0938\u092e\u0947\u0902 \u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u092e\u093e\u0928 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0905\u0928\u0941\u092a\u094d\u0930\u092f\u094b\u0917 \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930:<\/strong>\u00a0<strong>\u090b\u0923\u0926\u093e\u0928<\/strong>\u00a0(\u092c\u0902\u0927\u0915, \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u090b\u0923)\u0964 \u092f\u0939\u093e\u0901, \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0930\u0928\u0947 \u0915\u0940 \u090f\u0915 \u0935\u093f\u0927\u093f \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u092c\u094d\u092f\u093e\u091c \u0914\u0930 \u092e\u0942\u0932\u0927\u0928 \u0926\u094b\u0928\u094b\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092e\u0941\u0916\u094d\u092f \u092a\u094d\u0930\u0936\u094d\u0928:<\/strong>\u00a0&#8220;\u092e\u0948\u0902 \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u093e \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0948\u0938\u0947 \u0917\u0923\u0928\u093e \u0915\u0930\u0942\u0902?&#8221;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u0924\u094d\u092a\u093e\u0926 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940<\/strong>&nbsp;(\u092a\u0939\u0932\u0947 \u0932\u0947\u0916 \u0938\u0947):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0938\u093e\u0930:<\/strong>\u00a0\u092f\u0939 \u090f\u0915\u00a0<strong>\u0935\u093f\u0936\u093f\u0937\u094d\u091f \u092c\u0940\u092e\u093e \u092f\u093e \u0928\u093f\u0935\u0947\u0936 \u0909\u0924\u094d\u092a\u093e\u0926<\/strong>\u00a0\u0939\u0948 \u091c\u094b \u090f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0938\u0947 \u0916\u0930\u0940\u0926\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0905\u0928\u0941\u092a\u094d\u0930\u092f\u094b\u0917 \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930:<\/strong>\u00a0<strong>\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0914\u0930 \u092c\u0940\u092e\u093e<\/strong>\u0964 \u092f\u0939\u093e\u0901, \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u090f\u0915 \u0905\u0928\u0941\u092c\u0902\u0927 \u0939\u0948 \u091c\u093f\u0938\u0915\u0947 \u0924\u0939\u0924 \u0906\u092a \u090f\u0915\u092e\u0941\u0936\u094d\u0924 \u092d\u0941\u0917\u0924\u093e\u0928 \u092f\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0940 \u090f\u0915 \u0936\u094d\u0930\u0943\u0902\u0916\u0932\u093e \u0915\u0947 \u092c\u0926\u0932\u0947 \u092e\u0947\u0902 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f (\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0906\u091c\u0940\u0935\u0928 \u092a\u0947\u0902\u0936\u0928) \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092e\u0941\u0916\u094d\u092f \u092a\u094d\u0930\u0936\u094d\u0928:<\/strong>\u00a0&#8220;\u092e\u0948\u0902 \u092c\u0941\u0922\u093c\u093e\u092a\u0947 \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 \u0906\u092f \u0915\u0940 \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0948\u0938\u0947 \u0932\u0917\u093e\u090a\u0902?&#8221;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u090f\u0915 \u0938\u0930\u0932 \u0938\u093e\u0926\u0943\u0936\u094d\u092f:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940-\u092d\u0941\u0917\u0924\u093e\u0928<\/strong>\u00a0<strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0947 \u090f\u0915 \u0930\u0942\u092a<\/strong>\u00a0(\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u092b\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092e\u093e\u0938\u093f\u0915 \u0938\u0926\u0938\u094d\u092f\u0924\u093e \u0936\u0941\u0932\u094d\u0915) \u0915\u0940 \u0924\u0930\u0939 \u0939\u0948\u0964 \u092f\u0939 \u092a\u0948\u0938\u0947 \u0926\u0947\u0928\u0947 \u0915\u093e \u090f\u0915 \u0924\u0930\u0940\u0915\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940-\u0909\u0924\u094d\u092a\u093e\u0926<\/strong>\u00a0<strong>\u0938\u0947\u0935\u093e \u0939\u0940<\/strong>\u00a0(\u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u090f\u0915\u094d\u0938\u0947\u0938, \u092e\u093f\u0928\u091f, \u0917\u0940\u0917\u093e\u092c\u093e\u0907\u091f) \u0915\u0940 \u0924\u0930\u0939 \u0939\u0948\u0964 \u092f\u0939 \u0935\u0939 \u0939\u0948 \u091c\u094b \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0947 \u092a\u0948\u0938\u0947 \u0915\u0947 \u092c\u0926\u0932\u0947 \u092e\u0947\u0902 \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930, \u0905\u0902\u0924\u0930 \u092e\u094c\u0932\u093f\u0915 \u0939\u0948:<br>\u092a\u0939\u0932\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902, \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092a\u0948\u0938\u0947&nbsp;<strong>\u0926\u0947\u0928\u0947<\/strong>&nbsp;\u0915\u093e \u090f\u0915 \u0924\u0930\u0940\u0915\u093e \u0939\u0948 (\u090b\u0923 \u0915\u0947 \u0932\u093f\u090f)\u0964 \u0926\u0942\u0938\u0930\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902, \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092a\u0948\u0938\u0947&nbsp;<strong>\u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947<\/strong>&nbsp;\u0915\u093e \u090f\u0915 \u0924\u0930\u0940\u0915\u093e \u0939\u0948 (\u092a\u0947\u0902\u0936\u0928 \u092f\u093e \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902)\u0964 \u0926\u094b\u0928\u094b\u0902 \u0938\u092e\u093e\u0928 \u092d\u0941\u0917\u0924\u093e\u0928\u094b\u0902 \u0915\u0947 \u090f\u0915 \u0939\u0940 \u0917\u0923\u093f\u0924\u0940\u092f \u092e\u0949\u0921\u0932 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0935\u093f\u092a\u0930\u0940\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<div class=\"pld-like-dislike-wrap pld-template-1\">\r\n    <div class=\"pld-like-wrap  pld-common-wrap\">\r\n    <a href=\"javascript:void(0)\" class=\"pld-like-trigger pld-like-dislike-trigger  \" title=\"\" data-post-id=\"549\" data-trigger-type=\"like\" data-restriction=\"cookie\" data-already-liked=\"0\">\r\n                        <i class=\"fas fa-thumbs-up\"><\/i>\r\n                <\/a>\r\n    <span class=\"pld-like-count-wrap pld-count-wrap\">    <\/span>\r\n<\/div><div class=\"pld-dislike-wrap  pld-common-wrap\">\r\n    <a href=\"javascript:void(0)\" class=\"pld-dislike-trigger pld-like-dislike-trigger  \" title=\"\" data-post-id=\"549\" data-trigger-type=\"dislike\" data-restriction=\"cookie\" data-already-liked=\"0\">\r\n                        <i class=\"fas fa-thumbs-down\"><\/i>\r\n                <\/a>\r\n    <span class=\"pld-dislike-count-wrap pld-count-wrap\"><\/span>\r\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 \u092d\u0941\u0917\u0924\u093e\u0928 \u090f\u0915 \u0938\u092e\u093e\u0928 \u0930\u093e\u0936\u093f \u0939\u0948 \u091c\u094b \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0926\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 \u092e\u0942\u0932\u0927\u0928 \u0914\u0930 \u0905\u0930\u094d\u091c\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u093e 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