\u0627\u0644\u062d\u0644 \u0628\u0643\u0644 \u0628\u0633\u0627\u0637\u0629: \u0634\u0648\u0628 \u0643\u0627\u0634<\/a>!<\/p>\n\n\n\n \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643 \u0627\u0644\u0632\u0627\u064a\u062f \u0641\u064a \u062a\u062e\u0641\u064a\u0636\u0627\u062a \u0623\u0645\u0627\u0632\u0648\u0646 \u0627\u0644\u062c\u0645\u0639\u0629 \u0627\u0644\u0628\u064a\u0636\u0627\u0621 \u0645\u0633\u062a\u0645\u0631 \u0645\u0646 20 \u0646\u0648\u0641\u0645\u0628\u0631 \u0625\u0644\u0649 30 \u0646\u0648\u0641\u0645\u0628\u0631\u060c \u064a\u0639\u0646\u064a 10 \u0623\u064a\u0627\u0645 \u0641\u064a\u0647\u0627 \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643 \u0623\u0631\u0628\u0639 \u0623\u0636\u0639\u0627\u0641!<\/p>\n\n\n\n \u0631\u0627\u062d \u062a\u062d\u0635\u0644 \u0641\u064a \u0639\u0631\u0648\u0636 \u0627\u0644\u062c\u0645\u0639\u0629 \u0627\u0644\u0628\u064a\u0636\u0627\u0621 \u0639\u0644\u064a \u062a\u062e\u0641\u064a\u0636\u0627\u062a \u0639\u0644\u0649 \u0643\u0644 \u0634\u064a\u0621 \u062a\u0642\u0631\u064a\u0628\u064b\u0627\u060c \u0645\u0646\u0647\u0627:<\/p>\n\n\n\n \u0639\u0631\u0648\u0636 \u0627\u0644\u062c\u0645\u0639\u0629 \u0627\u0644\u0628\u064a\u0636\u0627\u0621 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646 \u0628\u062a\u0634\u0645\u0644 \u0645\u0627\u0631\u0643\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0645\u062b\u0644 \u062f\u0627\u0648\u0646\u064a\u060c \u0646\u064a\u0641\u064a\u0627\u060c \u0641\u0627\u064a\u0646\u060c \u0644\u0648\u0631\u064a\u0627\u0644\u060c \u0648\u0623\u0643\u0633\u060c \u0648\u0623\u062f\u064a\u062f\u0627\u0633\u060c \u0648\u0628\u0644\u0627\u0643 \u062f\u064a\u0643\u0631\u060c \u0648\u0623\u0628\u0644\u060c \u0648\u063a\u064a\u0631\u0647\u0645 \u0643\u062b\u064a\u0631 \u2013 \u0645\u0639 \u0634\u062d\u0646 \u0645\u062c\u0627\u0646\u064a \u0639\u0644\u064a \u0628\u0639\u0636 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u0634\u062d\u0646\u0647\u0627 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646!<\/p>\n\n\n\n \u0648\u0627\u0644\u0623\u062d\u0644\u0649\u061f \u062a\u0642\u062f\u0631 \u062a\u0636\u0627\u0639\u0641 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0648\u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0643\u0627\u0634 \u0628\u0627\u0643 \u064a\u0648\u0635\u0644 \u0644\u064024.3% \u0645\u0646 \u062e\u0644\u0627\u0644 \u0634\u0648\u0628 \u0643\u0627\u0634<\/a> \u0644\u0648\u0642\u062a \u0645\u062d\u062f\u0648\u062f!<\/p>\n\n\n\n \u0648\u062f\u0643 \u062a\u0648\u0641\u0631 \u0648\u062a\u0623\u062e\u0630 \u0643\u0627\u0634 \u0628\u0627\u0643 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/a>\u061f \u0628\u0633\u064a\u0637\u0629!<\/p>\n\n\n\n \u0628\u0645\u062c\u0631\u062f \u0645\u0627 \u062a\u0648\u0635\u0644\u0643 \u0627\u0644\u0637\u0644\u0628\u064a\u0629\u060c \u0631\u0627\u062d \u062a\u0634\u0648\u0641 \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643 \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u0643 \u062e\u0644\u0627\u0644 30 \u064a\u0648\u0645 \u0641\u0642\u0637. \u0628\u0639\u062f\u0647\u0627 \u062a\u0642\u062f\u0631 \u062a\u0633\u062d\u0628 \u0627\u0644\u0645\u0628\u0644\u063a \u0648\u062a\u0643\u0645\u0651\u0644 \u062a\u0648\u0641\u064a\u0631\u0643!<\/p>\n\n\n\n \u0633\u0647\u0644 \u0645\u0631\u0647\u060c \u0635\u062d\u061f \u0627\u0628\u062f\u0623 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0645\u0646 \u0627\u0644\u064a\u0648\u0645 \u0639\u0644\u0649 \u0643\u0644 \u0637\u0644\u0628\u0627\u062a\u0643 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0634\u0648\u0628 \u0643\u0627\u0634! \u0623\u0641\u0636\u0644 \u0639\u0631\u0648\u0636 \u0627\u0644\u0643\u0627\u0634 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0639\u0644\u064a \u0634\u0648\u0628 \u0643\u0627\u0634 \u0627\u0644\u062d\u064a\u0646<\/strong> \u0627\u0644\u0639\u0631\u0636: 13.5% \u0643\u0627\u0634 \u0628\u0627\u0643 – \u062a\u0646\u0628\u064a\u0647:<\/strong> \u0627\u0644\u0643\u0648\u0628\u0648\u0646\u0627\u062a \u062a\u0646\u0637\u0628\u0642 \u0641\u0642\u0637 \u0639\u0644\u0649 \u0645\u0646\u062a\u062c\u0627\u062a \u0628\u0627\u0632\u0627\u0631 \u0623\u0645\u0627\u0632\u0648\u0646.<\/p>\n<\/blockquote>\n\n\n\n \u0644\u0627 \u062a\u0643\u062a\u0641\u064a \u0628\u062a\u0648\u0641\u064a\u0631\u0643 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u0639\u0631\u0648\u0636 \u0628\u0633\u060c \u062a\u0642\u062f\u0631 \u062a\u0648\u0641\u0651\u0631 \u0639\u0644\u0649 \u0628\u0627\u0642\u064a \u0645\u0634\u062a\u0631\u064a\u0627\u062a\u0643 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646 \u0637\u0648\u0644 \u0627\u0644\u0633\u0646\u0629 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0634\u0648\u0628 \u0643\u0627\u0634<\/a>!<\/p>\n\n\n\n \u0625\u0630\u0627 \u0646\u0627\u0648\u064a \u062a\u0648\u0641\u0631 \u0639\u0644\u0649 \u0645\u0634\u062a\u0631\u064a\u0627\u062a\u0643 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646\u060c \u0648\u0645\u0639\u0647\u0627 \u0643\u0648\u0628\u0648\u0646\u0627\u062a \u0648\u0643\u0627\u0634 \u0628\u0627\u0643 \u0645\u0646 \u0628\u0631\u0627\u0646\u062f\u0627\u062a\u0643 \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u2013 \u0641\u0640 \u0634\u0648\u0628 \u0643\u0627\u0634 <\/a>\u0647\u0648 \u0627\u0644\u062d\u0644 \u0627\u0644\u0623\u0630\u0643\u0649.<\/p>\n\n\n\n !\u0645\u0639 \u0634\u0648\u0628 \u0643\u0627\u0634 \u0643\u0644 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0625\u0644\u0644\u064a \u062a\u062d\u0628\u0647\u0627 \u0645\u062b\u0644 \u0639\u0644\u064a \u0623\u0643\u0633\u0628\u0631\u0633<\/a>\u060c \u0623\u0645\u0627\u0632\u0648\u0646<\/a>\u060c \u0646\u0648\u0646<\/a>\u060c \u0639\u0644\u064a \u0628\u0627\u0628\u0627<\/a>\u060c \u0634\u064a \u0625\u0646<\/a>\u060c \u0648\u063a\u064a\u0631\u0647\u0627 \u0645\u0648\u062c\u0648\u062f\u0629 \u0648\u0628\u0623\u0639\u0644\u064a \u0643\u0627\u0634 \u0628\u0627\u0643<\/p>\n\n\n\n \u062a\u0633\u0648\u0642\u0648\u0627 \u0648\u0623\u0646\u062a\u0645 \u0645\u0631\u0648\u0651\u0642\u064a\u0646! 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![\"\"](\"https:\/\/shopcash.blog\/wp-content\/uploads\/2025\/11\/Untitled-design-51-1024x1024.png\")
<\/figure>\n\n\n\n\n
\u0643\u064a\u0641 \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0643\u0627\u0634 \u0628\u0627\u0643 \u0645\u0646 \u0623\u0645\u0627\u0632\u0648\u0646 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0634\u0648\u0628 \u0643\u0627\u0634\u061f<\/h1>\n\n\n\n
![\"ShopCash](\"https:\/\/assets.wego.com\/images\/w_1024,h_683,c_scale\/v1747563353\/Untitled-design-17_12657cdec4\/Untitled-design-17_12657cdec4.jpg?_i=AA\")
<\/figure>\n\n\n\n\n
<\/p>\n\n\n\n
\n\n\n\n
1. \u0627\u0644\u0645\u0646\u0632\u0644 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u0646\u0632\u0644\u064a\u0629 (4 \u0623\u0636\u0639\u0627\u0641 \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643)<\/strong><\/p>\n\n\n\n\u0643\u0627\u0646 3.2%<\/s> + \u062e\u0635\u0645 \u062d\u062a\u064a 70%
2. \u0627\u0644\u0645\u0642\u0627\u0636\u064a (4 \u0623\u0636\u0639\u0627\u0641 \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643)
<\/strong>\u0627\u0644\u0639\u0631\u0636: 13.5% \u0643\u0627\u0634 \u0628\u0627\u0643 – \u0643\u0627\u0646 3.2%<\/s> + \u062e\u0635\u0645 \u062d\u062a\u064a 40%
3. \u0627\u0644\u0635\u062d\u0629 \u0648\u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 (4 \u0623\u0636\u0639\u0627\u0641 \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643)
<\/strong>\u0627\u0644\u0639\u0631\u0636: \u0643\u0627\u0634 \u0628\u0627\u0643 18.9% – \u0643\u0627\u0646 3%<\/s> + \u062e\u0635\u0645 \u062d\u062a\u064a 70%
4.<\/strong> \u0627\u0644\u0645\u0648\u0636\u0629 (3 \u0623\u0636\u0639\u0627\u0641 \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643)<\/strong>
\u0627\u0644\u0639\u0631\u0636: 24.3% \u0643\u0627\u0634 \u0628\u0627\u0643 – \u0643\u0627\u0646 7.2%<\/s> + \u062e\u0635\u0645 \u062d\u062a\u064a 60%<\/p>\n\n\n\n
\n\n\n\n
\u0623\u0643\u0648\u0627\u062f \u062e\u0635\u0645 \u0623\u0645\u0627\u0632\u0648\u0646 (\u0633\u0627\u0631\u064a\u0629 \u0645\u0646 20 \u062d\u062a\u064a 30 \u0646\u0648\u0641\u0645\u0628\u0631)<\/strong><\/p>\n\n\n\n\n
\n
BZR50<\/code><\/li>\n\n\n\nNTB10<\/code><\/li>\n\n\n\nGCWFS25<\/code><\/li>\n<\/ul>\n\n\n\n\u062e\u0644\u0627\u0635\u0629 \u0627\u0644\u0643\u0644\u0627\u0645<\/h2>\n\n\n\n