\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0628\u0627\u0631\u064a<\/strong>: \u064a\u0634\u0645\u0644 \u062a\u0623\u0645\u064a\u0646\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u062d\u064a\u0627\u0629 \u0623\u0648 \u0636\u062f \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0639\u062c\u0632.<\/p>\n<\/li>\n<\/ul>\n\u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0642\u062f \u064a\u0639\u0646\u064a \u0622\u0644\u0627\u0641 \u0627\u0644\u062c\u0646\u064a\u0647\u0627\u062a \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0633\u062f\u0627\u062f.<\/p>\n
3. \u0627\u0641\u0647\u0645 \u0628\u0646\u0648\u062f \u0627\u0644\u0639\u0642\u062f \u0628\u062f\u0642\u0629 \u2013 \u0644\u0627 \u062a\u062a\u0631\u0643 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0644\u0644\u0645\u0641\u0627\u062c\u0622\u062a:<\/strong>
\u0639\u0642\u062f \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0648\u062b\u064a\u0642\u0629 \u0645\u0644\u0632\u0645\u0629 \u0642\u0627\u0646\u0648\u0646\u064b\u0627\u060c \u0648\u0641\u0647\u0645\u0643 \u0644\u0647\u0627 \u064a\u062d\u0645\u064a\u0643 \u0645\u0646 \u0627\u0644\u0645\u0641\u0627\u062c\u0622\u062a. \u064a\u062c\u0628 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649:<\/p>\n\n- \n
\u0634\u0631\u0648\u0637 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629<\/strong>: \u0645\u0627 \u0647\u0648 \u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u0645\u0639\u062a\u0645\u062f \u0644\u062a\u0639\u062f\u064a\u0644\u0647\u0627 (\u0645\u062b\u0644 \u0633\u0639\u0631 \u0627\u0644\u0643\u0648\u0631\u064a\u062f\u0648\u0631 \u0627\u0644\u0635\u0627\u062f\u0631 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a)\u061f<\/p>\n<\/li>\n- \n
\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0639\u062b\u0631<\/strong>: \u0645\u0627 \u0627\u0644\u0639\u0648\u0627\u0642\u0628 \u0641\u064a \u062d\u0627\u0644 \u062a\u0623\u062e\u0631\u062a \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f\u061f \u0647\u0644 \u0647\u0646\u0627\u0643 \u062c\u062f\u0648\u0644 \u0632\u0645\u0646\u064a \u0644\u0644\u0625\u0646\u0630\u0627\u0631\u0627\u062a\u061f<\/p>\n<\/li>\n- \n
\u0627\u0644\u063a\u0631\u0627\u0645\u0627\u062a<\/strong>: \u0643\u0645 \u062a\u0628\u0644\u063a \u063a\u0631\u0627\u0645\u0629 \u0627\u0644\u062a\u0623\u062e\u064a\u0631\u061f \u0648\u0647\u0644 \u0647\u0646\u0627\u0643 \u0631\u0633\u0648\u0645 \u0644\u062c\u062f\u0648\u0644\u0629 \u0627\u0644\u0642\u0631\u0636\u061f<\/p>\n<\/li>\n- \n
\u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0639\u062c\u0644<\/strong>: \u0647\u0644 \u064a\u064f\u0633\u0645\u062d \u0644\u0643 \u0628\u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636 \u0642\u0628\u0644 \u0645\u0648\u0639\u062f\u0647\u061f \u0648\u0643\u0645 \u062a\u0628\u0644\u063a \u0646\u0633\u0628\u0629 \u0627\u0644\u062e\u0635\u0645 \u0623\u0648 \u0627\u0644\u063a\u0631\u0627\u0645\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629\u061f<\/p>\n<\/li>\n<\/ul>\n4. \u0643\u0646 \u0645\u0633\u062a\u0639\u062f\u064b\u0627 \u0644\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u063a\u064a\u0631 \u0627\u0644\u0645\u0639\u0644\u0646\u0629:<\/strong>
\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0644\u0627 \u064a\u062a\u0648\u0642\u0641 \u0639\u0646\u062f \u0627\u0644\u0645\u0642\u062f\u0645 \u0627\u0644\u0634\u0647\u0631\u064a \u0641\u0642\u0637. \u0647\u0646\u0627\u0643 \u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0623\u062e\u0631\u0649 \u064a\u062c\u0628 \u0648\u0636\u0639\u0647\u0627 \u0641\u064a \u0627\u0644\u062d\u0633\u0628\u0627\u0646 \u0639\u0646\u062f \u062a\u0642\u062f\u064a\u0631 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629\u060c \u0645\u062b\u0644:<\/p>\n\n- \n
\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0639\u0642\u0627\u0631\u064a<\/strong>: \u062d\u064a\u062b \u064a\u064f\u0634\u062a\u0631\u0637 \u0623\u0646 \u062a\u064f\u0642\u064a\u0651\u0645 \u0627\u0644\u0648\u062d\u062f\u0629 \u0645\u0646 \u062c\u0647\u0629 \u0645\u0639\u062a\u0645\u062f\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643\u060c \u0648\u062a\u064f\u0636\u0627\u0641 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644.<\/p>\n<\/li>\n- \n
\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0625\u062c\u0628\u0627\u0631\u064a<\/strong>: \u064a\u0634\u062a\u0631\u0637\u0647 \u0627\u0644\u0628\u0646\u0643 \u0644\u0636\u0645\u0627\u0646 \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u0648\u0641\u0627\u0629 \u0623\u0648 \u0627\u0644\u0639\u062c\u0632 \u0627\u0644\u0643\u0644\u064a.<\/p>\n<\/li>\n- \n
\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062f\u0645\u063a\u0629 \u0648\u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0639\u0642\u0648\u062f<\/strong><\/p>\n<\/li>\n- \n
\u0631\u0633\u0648\u0645 \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0623\u0648 \u0635\u062d\u0629 \u0627\u0644\u062a\u0648\u0642\u064a\u0639<\/strong><\/p>\n<\/li>\n- \n
\u0631\u0633\u0648\u0645 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a (I-Score)<\/strong><\/p>\n<\/li>\n<\/ul>\n\u0647\u0630\u0647 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0642\u062f \u062a\u0631\u0641\u0639 \u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0646\u0633\u0628\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 3 \u0625\u0644\u0649 5% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636.<\/p>\n
\u0647\u0644 \u062a\u0648\u062c\u062f \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u062d\u0643\u0648\u0645\u064a\u0629 \u062a\u064f\u0633\u0647\u0651\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0645\u0635\u0631\u061f<\/strong><\/p>\n\u0646\u0639\u0645\u060c \u0648\u0641\u0651\u0631\u062a \u0627\u0644\u062f\u0648\u0644\u0629 \u0627\u0644\u0645\u0635\u0631\u064a\u0629 \u0628\u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0639\u062f\u0629 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0644\u062a\u064a\u0633\u064a\u0631 \u0627\u0644\u062a\u0645\u0644\u0643 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u062e\u0627\u0635\u0629 \u0644\u0644\u0641\u0626\u0627\u062a \u0645\u062a\u0648\u0633\u0637\u0629 \u0648\u0645\u062d\u062f\u0648\u062f\u0629 \u0627\u0644\u062f\u062e\u0644. \u0645\u0646 \u0623\u0628\u0631\u0632 \u0647\u0630\u0647 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a:<\/p>\n
1. \u0645\u0628\u0627\u062f\u0631\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0628\u0641\u0627\u0626\u062f\u0629 3%:<\/strong>
\u0623\u064f\u0637\u0644\u0642\u062a \u0639\u0627\u0645 2021 \u0648\u062a\u064f\u0639\u062f \u0645\u0646 \u0623\u0643\u062b\u0631 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u062c\u0627\u0630\u0628\u064a\u0629. \u062a\u0634\u0645\u0644:<\/p>\n\n- \n
\u0633\u0639\u0631 \u0641\u0627\u0626\u062f\u0629 \u0633\u0646\u0648\u064a \u0645\u062a\u0646\u0627\u0642\u0635 3%<\/p>\n<\/li>\n
- \n
\u0645\u062f\u0629 \u0633\u062f\u0627\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 30 \u0639\u0627\u0645\u064b\u0627<\/p>\n<\/li>\n
- \n
\u064a\u0634\u062a\u0631\u0637 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0637\u0627\u0644\u0628 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0645\u062d\u062f\u0648\u062f\u064a \u0623\u0648 \u0645\u062a\u0648\u0633\u0637\u064a \u0627\u0644\u062f\u062e\u0644<\/p>\n<\/li>\n
- \n
\u0623\u0644\u0627 \u062a\u0632\u064a\u062f \u0642\u064a\u0645\u0629 \u0627\u0644\u0648\u062d\u062f\u0629 \u0639\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u062d\u062f\u062f \u0644\u0643\u0644 \u0641\u0626\u0629<\/p>\n<\/li>\n
- \n
\u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0648\u062d\u062f\u0629 \u0628\u063a\u0631\u0636 \u0627\u0644\u0633\u0643\u0646 \u0627\u0644\u062f\u0627\u0626\u0645 \u0648\u0644\u064a\u0633 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0648 \u0627\u0644\u062a\u0623\u062c\u064a\u0631<\/p>\n<\/li>\n<\/ul>\n
2. \u0645\u0628\u0627\u062f\u0631\u0629 8% \u0645\u062a\u0646\u0627\u0642\u0635\u0629 \u0644\u0645\u062a\u0648\u0633\u0637\u064a \u0627\u0644\u062f\u062e\u0644:<\/strong>
\u062a\u064f\u063a\u0637\u064a \u0634\u0631\u064a\u062d\u0629 \u062f\u062e\u0644 \u0623\u0648\u0633\u0639 \u0646\u0633\u0628\u064a\u064b\u0627\u060c \u0648\u062a\u0633\u0645\u062d \u0628\u062a\u0645\u0648\u064a\u0644 \u0648\u062d\u062f\u0627\u062a \u0623\u0639\u0644\u0649 \u0633\u0639\u0631\u064b\u0627 \u0628\u0634\u0631\u0648\u0637 \u0623\u0643\u062b\u0631 \u0645\u0631\u0648\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0648\u062a\u0628\u0644\u063a \u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u062d\u062a\u0649 20 \u0639\u0627\u0645\u064b\u0627.<\/p>\n\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u0647\u0627\u0645\u0629 \u062d\u0648\u0644 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a:<\/strong><\/p>\n\n- \n
\u064a\u0634\u062a\u0631\u0637 \u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u062f\u0627\u0626\u0645\u0629 \u0641\u064a \u0627\u0644\u0648\u062d\u062f\u0629 \u0648\u0639\u062f\u0645 \u0628\u064a\u0639\u0647\u0627 \u0623\u0648 \u062a\u0623\u062c\u064a\u0631\u0647\u0627 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644.<\/p>\n<\/li>\n
- \n
\u064a\u062c\u0628 \u0623\u0644\u0627 \u064a\u0643\u0648\u0646 \u0644\u0637\u0627\u0644\u0628 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u062d\u062f\u0629 \u0633\u0643\u0646\u064a\u0629 \u062a\u0645 \u062a\u0645\u0648\u064a\u0644\u0647\u0627 \u0633\u0627\u0628\u0642\u064b\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a.<\/p>\n<\/li>\n
- \n
\u064a\u062c\u0628 \u0633\u062f\u0627\u062f 10% \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0643\u0645\u0642\u062f\u0645 (20% \u0644\u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a).<\/p>\n<\/li>\n
- \n
\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u064a\u062a\u0645 \u0641\u0642\u0637 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0648\u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0636\u0645\u0646 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0629.<\/p>\n<\/li>\n<\/ul>\n
\u0645\u0627 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0635\u0631\u064a\u061f<\/strong><\/p>\n\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0645\u0635\u0631 \u064a\u062a\u0646\u0648\u0639 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0645\u0629 \u0644\u0647:<\/p>\n
1. \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629:<\/strong>
\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0635\u0631\u064a\u0629 \u0645\u062b\u0644 \u0628\u0646\u0643 \u0645\u0635\u0631\u060c \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0623\u0647\u0644\u064a \u0627\u0644\u0645\u0635\u0631\u064a\u060c CIB\u060c QNB \u0648\u063a\u064a\u0631\u0647\u0627\u060c \u062a\u0642\u062f\u0645 \u0628\u0631\u0627\u0645\u062c \u0645\u062a\u0646\u0648\u0639\u0629 \u0628\u0641\u0648\u0627\u0626\u062f \u062b\u0627\u0628\u062a\u0629 \u0623\u0648 \u0645\u062a\u063a\u064a\u0631\u0629. \u0647\u0630\u0647 \u0627\u0644\u0628\u0631\u0627\u0645\u062c \u0642\u062f \u062a\u0643\u0648\u0646 \u0636\u0645\u0646 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0623\u0648 \u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644. \u0648\u0647\u064a \u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a \u0648\u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u062c\u064a\u062f.<\/p>\n2. \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u062e\u0627\u0635\u0629:<\/strong>
\u0645\u062b\u0644 “\u0628\u062f\u0627\u064a\u0629”\u060c “\u062a\u0645\u0648\u064a\u0644\u064a”\u060c \u0648”\u0627\u0644\u062a\u0639\u0645\u064a\u0631 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a”. \u062a\u062a\u0645\u064a\u0632 \u0628\u0645\u0631\u0648\u0646\u0629 \u0623\u0643\u0628\u0631 \u0641\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0644\u0643\u0646\u0647\u0627 \u0639\u0627\u062f\u0629 \u0628\u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649 \u0642\u0644\u064a\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0648\u062a\u062e\u0636\u0639 \u0644\u0631\u0642\u0627\u0628\u0629 \u0647\u064a\u0626\u0629 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n3. \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0627\u0644\u0645\u0637\u0648\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0645\u0628\u0627\u0634\u0631\u0629 (Direct Developer Finance):<\/strong>
\u062a\u064f\u0642\u062f\u0651\u0645 \u0628\u0639\u0636 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0628\u0631\u0627\u0645\u062c \u062a\u0642\u0633\u064a\u0637 \u0645\u0628\u0627\u0634\u0631\u0629 \u0628\u062f\u0648\u0646 \u0628\u0646\u0648\u0643\u060c \u0648\u062a\u0643\u0648\u0646 \u0639\u0627\u062f\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 (5 \u2013 10 \u0633\u0646\u0648\u0627\u062a). \u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u0644\u0643\u0646 \u063a\u0627\u0644\u0628\u064b\u0627 \u062a\u062a\u0637\u0644\u0628 \u0645\u0642\u062f\u0645\u064b\u0627 \u0623\u0639\u0644\u0649 (25 \u2013 50%) \u0648\u064a\u064f\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0644\u0635\u0627\u0644\u062d \u0627\u0644\u0645\u0637\u0648\u0631 \u062d\u062a\u0649 \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u0623\u0642\u0633\u0627\u0637.<\/p>\n4. \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a (\u0645\u0631\u0627\u0628\u062d\u0629 \u2013 \u0625\u064a\u062c\u0627\u0631\u0629):<\/strong>
\u062a\u0642\u062f\u0645\u0647 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0645\u062b\u0644 \u0628\u0646\u0643 \u0641\u064a\u0635\u0644\u060c \u0627\u0644\u0628\u0631\u0643\u0629\u060c \u0623\u0648 \u0623\u0628\u0648 \u0638\u0628\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u060c \u0648\u064a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u062a\u062e\u062a\u0644\u0641 \u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0645\u0631\u0627\u0628\u062d\u0629 (\u0634\u0631\u0627\u0621 \u0627\u0644\u0628\u0646\u0643 \u0644\u0644\u0648\u062d\u062f\u0629 \u0648\u0628\u064a\u0639\u0647\u0627 \u0644\u0643 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637) \u0623\u0648 \u0625\u064a\u062c\u0627\u0631\u0629 \u0645\u0646\u062a\u0647\u064a\u0629 \u0628\u0627\u0644\u062a\u0645\u0644\u064a\u0643.<\/p>\n\u0643\u0645 \u062a\u0628\u0644\u063a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0642\u062f\u0645 \u0648\u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0633\u062f\u0627\u062f\u061f<\/strong><\/p>\n\u063a\u0627\u0644\u0628\u064b\u0627 \u064a\u064f\u0637\u0644\u0628 \u062f\u0641\u0639 \u0645\u0642\u062f\u0645 \u0628\u064a\u0646 10% \u0625\u0644\u0649 30% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u060c \u0648\u0627\u0644\u0628\u0627\u0642\u064a \u064a\u064f\u0642\u0633\u0637 \u0639\u0644\u0649 \u0641\u062a\u0631\u0627\u062a \u0642\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 20 \u0623\u0648 30 \u0633\u0646\u0629. \u0643\u0644\u0645\u0627 \u0632\u0627\u062f \u0627\u0644\u0645\u0642\u062f\u0645 \u0648\u0642\u0644\u0651\u062a \u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0627\u0646\u062e\u0641\u0636\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0628\u0639\u064a\u062f.<\/p>\n
\u0647\u0644 \u062a\u0648\u062c\u062f \u0645\u0635\u0627\u0631\u064a\u0641 \u0625\u0636\u0627\u0641\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\u061f<\/strong>
\u0646\u0639\u0645\u060c \u0639\u0644\u064a\u0643 \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647 \u0644\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n\n- \n
\u0645\u0635\u0627\u0631\u064a\u0641 \u0625\u062f\u0627\u0631\u064a\u0629 (\u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 1% \u0625\u0644\u0649 2.5% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0642\u0631\u0636)<\/p>\n<\/li>\n
- \n
\u062a\u0623\u0645\u064a\u0646 \u0625\u062c\u0628\u0627\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u062d\u064a\u0627\u0629 \u0623\u0648 \u0639\u0644\u0649 \u0627\u0644\u0639\u0642\u0627\u0631<\/p>\n<\/li>\n
- \n
\u0631\u0633\u0648\u0645 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0648\u062d\u062f\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629<\/p>\n<\/li>\n
- \n
\u0631\u0633\u0648\u0645 \u0641\u062a\u062d \u0645\u0644\u0641 \u0648\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629
\u0644\u0630\u0644\u0643\u060c \u0644\u0627 \u062a\u0646\u0638\u0631 \u0641\u0642\u0637 \u0625\u0644\u0649 \u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0628\u0644 \u0627\u062c\u0645\u0639 \u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0644\u062a\u0639\u0631\u0641 \u0625\u062c\u0645\u0627\u0644\u064a \u0645\u0627 \u0633\u062a\u062f\u0641\u0639\u0647.<\/p>\n<\/li>\n<\/ul>\n
\u0647\u0644 \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0639\u0644\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 \u062c\u0647\u0629 \u062a\u0645\u0648\u064a\u0644 \u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0648\u0642\u062a\u061f<\/strong>
\u0646\u0639\u0645\u060c \u064a\u064f\u0646\u0635\u062d \u0628\u0630\u0644\u0643\u060c \u0644\u0643\u0646 \u0628\u0634\u0631\u0637 \u0623\u0644\u0627 \u062a\u064f\u0648\u0642\u0639 \u0639\u0642\u0648\u062f\u064b\u0627 \u0645\u062a\u0632\u0627\u0645\u0646\u0629\u060c \u062d\u062a\u0649 \u0644\u0627 \u062a\u062a\u0639\u0631\u0636 \u0644\u0645\u0633\u0627\u0626\u0644\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629. \u0642\u0627\u0631\u0646 \u0628\u064a\u0646 \u0627\u0644\u0639\u0631\u0648\u0636 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649:<\/p>\n\n- \n
\u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/p>\n<\/li>\n
- \n
\u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f<\/p>\n<\/li>\n
- \n
\u0633\u0631\u0639\u0629 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629<\/p>\n<\/li>\n
- \n
\u0645\u0631\u0648\u0646\u0629 \u0634\u0631\u0648\u0637 \u0627\u0644\u0633\u062f\u0627\u062f<\/p>\n<\/li>\n
- \n
\u0627\u0644\u0633\u0645\u0639\u0629 \u0648\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0639\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644<\/p>\n<\/li>\n<\/ul>\n
\u0647\u0644 \u0644\u0627 \u062a\u0632\u0627\u0644 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0642\u0627\u0626\u0645\u0629\u061f<\/strong>
\u0628\u0639\u0636 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u062a\u0645 \u062a\u062c\u0645\u064a\u062f\u0647\u0627 \u0623\u0648 \u062a\u0639\u062f\u064a\u0644\u0647\u0627 \u0645\u0624\u062e\u0631\u064b\u0627 \u062d\u0633\u0628 \u062a\u0648\u062c\u0647\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0647\u0646\u0627\u0643 \u062f\u0627\u0626\u0645\u064b\u0627 \u0628\u0631\u0627\u0645\u062c \u062c\u062f\u064a\u062f\u0629 \u062a\u0638\u0647\u0631\u060c \u0644\u0630\u0627 \u062a\u0627\u0628\u0639 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0643\u0628\u0631\u0649 \u0644\u0645\u0639\u0631\u0641\u0629 \u0622\u062e\u0631 \u0627\u0644\u0645\u0633\u062a\u062c\u062f\u0627\u062a.<\/p>\n\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0648\u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629\u061f<\/strong><\/p>\n\n- \n
\u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u062b\u0627\u0628\u062a\u0629<\/strong> \u062a\u0638\u0644 \u0643\u0645\u0627 \u0647\u064a \u0637\u0648\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0648\u0647\u064a \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0645\u0646 \u064a\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a<\/p>\n<\/li>\n- \n
\u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629<\/strong> \u062a\u0631\u062a\u0628\u0637 \u0628\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642\u060c \u0648\u0642\u062f \u062a\u0631\u062a\u0641\u0639 \u0623\u0648 \u062a\u0646\u062e\u0641\u0636\u060c \u0645\u0627 \u064a\u0639\u0646\u064a \u062a\u0642\u0644\u0628\u064b\u0627 \u0641\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0642\u0633\u0637<\/p>\n<\/li>\n<\/ul>\n\u0647\u0644 \u0647\u0646\u0627\u0643 \u0639\u0642\u0648\u0628\u0627\u062a \u0641\u064a \u062d\u0627\u0644 \u0627\u0644\u062a\u0623\u062e\u0631 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f\u061f<\/strong>
\u0646\u0639\u0645\u060c \u062a\u062e\u062a\u0644\u0641 \u062d\u0633\u0628 \u0627\u0644\u0628\u0646\u0643 \u0644\u0643\u0646\u0647\u0627 \u063a\u0627\u0644\u0628\u064b\u0627 \u062a\u0634\u0645\u0644:<\/p>\n\n- \n
\u063a\u0631\u0627\u0645\u0627\u062a \u062a\u0623\u062e\u064a\u0631 \u0642\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 2% \u0623\u0648 \u0623\u0643\u062b\u0631<\/p>\n<\/li>\n
- \n
\u0625\u062f\u0631\u0627\u062c \u0627\u0644\u0639\u0645\u064a\u0644 \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0645\u062a\u0639\u062b\u0631\u064a\u0646<\/p>\n<\/li>\n
- \n
\u0627\u062a\u062e\u0627\u0630 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0639\u0642\u0627\u0631<\/p>\n<\/li>\n<\/ul>\n
\u0643\u064a\u0641 \u062a\u062a\u0623\u0643\u062f \u0645\u0646 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0643\u061f<\/strong>
\u0627\u0633\u0623\u0644 \u0646\u0641\u0633\u0643:<\/p>\n\n- \n
\u0647\u0644 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0634\u0647\u0631\u064a \u0645\u0646\u0627\u0633\u0628 \u0644\u062f\u062e\u0644\u064a \u062f\u0648\u0646 \u0636\u063a\u0637\u061f<\/p>\n<\/li>\n
- \n
\u0647\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u063a\u064a\u0631\u0647\u0627\u061f<\/p>\n<\/li>\n
- \n
\u0647\u0644 \u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0639\u0627\u0642\u062f \u0648\u0627\u0636\u062d\u0629 \u0648\u0645\u0641\u0647\u0648\u0645\u0629\u061f<\/p>\n<\/li>\n
- \n
\u0647\u0644 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0645\u0648\u0644\u0629 \u0645\u0631\u0646\u0629 \u0648\u062a\u0642\u062f\u0645 \u062f\u0639\u0645\u064b\u0627 \u062c\u064a\u062f\u064b\u0627\u061f
\u062b\u0645 \u0627\u0633\u062a\u0639\u0646 \u0628\u0645\u0633\u062a\u0634\u0627\u0631 \u0645\u0627\u0644\u064a \u0623\u0648 \u0645\u062d\u0627\u0645\u064d \u0625\u0646 \u0644\u0632\u0645 \u0627\u0644\u0623\u0645\u0631.<\/p>\n<\/li>\n<\/ul>\n","excerpt":"
\u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644 \u0641\u064a \u0645\u0635\u0631 \u0644\u0645 \u064a\u0639\u062f \u0645\u062c\u0631\u062f \u062d\u0644\u0645 \u0645\u0624\u062c\u0644 \u0623\u0648 \u0623\u0645\u0646\u064a\u0629 \u0635\u0639\u0628\u0629 \u0627\u0644\u0645\u0646\u0627\u0644\u060c \u0628\u0644 \u0628\u0627\u062a \u0627\u0644\u064a\u0648\u0645 \u0623\u0642\u0631\u0628 \u0645\u0646 \u0623\u064a \u0648\u0642\u062a \u0645\u0636\u0649\u060c \u0648\u0627\u0644\u0633\u0628\u0628 \u064a\u0639\u0648\u062f \u0625\u0644\u0649 \u062a\u0637\u0648\u0631 \u0646\u0638\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0648\u062a\u0646\u0648\u0639 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u0623\u0641\u0631\u0627\u062f. \u0644\u0643\u0646 \u0643\u064a\u0641 \u062a\u0628\u062f\u0623\u061f \u0645\u0646 \u0623\u064a\u0646 \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u061f \u0648\u0645\u0627 \u0647\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u062a\u062d\u0642\u0642\u061f \u0648\u0627\u0644\u0623\u0647\u0645: \u0643\u064a\u0641 \u062a\u0636\u0645\u0646 \u0623\u0646\u0643 \u0644\u0627 \u062a\u0642\u0639 \u0641\u0631\u064a\u0633\u0629 […]<\/p>\n","acf":{"featured":false},"date":"2025-08-05T20:23:10","date_gmt":"2025-08-05T20:23:10","modified":"2025-08-05T20:23:10","modified_gmt":"2025-08-05T20:23:10","_embedded":null,"_links":{"self":[{"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/posts\/82498","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/comments?post=82498"}],"version-history":[{"count":1,"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/posts\/82498\/revisions"}],"predecessor-version":[{"id":82534,"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/posts\/82498\/revisions\/82534"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/media\/82532"}],"wp:attachment":[{"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/media?parent=82498"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/categories?post=82498"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.realestate.gov.eg\/ar\/wp-json\/wp\/v2\/tags?post=82498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}