PDT 621 Igv Renta Mensual

 

Ce`uftej jk @nkg`nes Klprksernefks PNPZKLEP @MGZEHFKP NN

_JZ 385 NBS XKGZE LKGP[EF

Jm`kgtk1 _eufe Såsqukz Ernes ule-pvesqukzOdmtlenf.`ml

 

½Uuî eprkgjnlms kg fe sksnðg egtkrnmr=

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ZKLEP JK FE PKPNÐG

5._JZ 5. _JZ 385 NBS XKGZE XKGZE LKGP[EF 8. Xkbìlkgks 8.Xkbìlkg ks Zrnhuternms Zrnhuternms 0.Kaklpfm jk jk`fere`nmgks :.@esm :. @esm prå`tn` prå`tn`m m

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_JZ 385 NBS N BS XKGZE LKGP[EF

Jnrnb Jnrnbnj njm m e fm fmss `m `mgt gtrn rnhu huyk ykgt gtks ks eck` eck`tm tmss ef NBS NBS k Nlpukstm e fe Xkgte jk Zkr`kre @etkbmrìe (Xîbnlkg Bkgk Bk gkre ref,f, Xî Xîbn bnlk lkg g L^ L^_K _K Zrn rnhu hute tern rnm, m, Xî Xîbn bnlk lkgg Kspk` Ksp k`ne neff jk Xk Xkgt gte, e, Elez Elezmg mgìe ìe Qmge Qmge jk Pk Pkfv fvee y Crmgtkre, Xîbnlkg @mgvkgnm jk Kstehnfnjej). Kg fm quk rkspk`te e fe jk`fere`nðg jkf Nlpukstm Bkgk Bk gkre reff e fe fess Skg kgte tes, s, kf ffkg ffkgej ejm m jk jkff _J _JZ Z NBS NBSXKGZE - Cmrlufernm Snrtuef 385, nlpfn`e gm smfm fe rkvnsnðg prkvne jk fe ngcmrle`nðg e jk`ferer, sngm te telh lhnî nîg g kf `m `mgm gm`n `nln lnkg kgtm tm jk espk espk`t `tms ms tkðr tkðrn` n`ms ms pr prkv kvns nstm tmss kg fes fes gmrl gmrles es trn rnhu hute tern rnes es jkf jkf `n `nte tejm jm nlpukstm y fms ef`eg`ks mpkretnvms quk sk lukstreg kg fe eyuje jkf _JZ _JZ..

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SKGZEAEP SKGZEAEP ^ CE@NFNJEJKP

❓  Xkju`k

fms krrmrks y snlpfn snlpfncn`e cn`e fe prkskgt prkskgte`nðg e`nðg jk fe Jk`fere`nðg Jk`fere`nðg,, ef prmpmr`nm prmpmr`nmger ger uge Jk`fere` Jk`f ere`nðg nðg prk prkkfeh kfehmrej mreje e hes heseje eje kg fe ngcm ngcmrle rle`nðg `nðg quk sk `mg `mgsnbg snbgð ð jk legk legkre re kfk`trðgn`e jkf Xkbnstrm jk Skgtes k Ngbrksms y jkf Xkbnstrm jk @mlpres, prkskgtejms prkvnelkgtk. ❓  Esnl  Esnlnslm, nslm, `ef`ufe kf lmgtm e peber pmr kf NBS y Xkgte, jk `mrr `mrrkspmgjkr. kspmgjkr. ❓  Fe ngcmrle`nðg jk fe Jk`fere`nðg prk-kfehmreje pmjrå skr lmjncn`eje jnrk`telkgtk kg kstk cmrlufernm. ❓   Ks ug lkjnm eftkrgetnvm, sn jk`fere NBS - Xkgte Lkgsuef y prkskgte jk legkre kfk`trðgn`e kf Xkbnstrm jk Skgtes k Ngbrksms y kf Xkbnstrm jk @mlpres. ❓   Fe Jk Jk`f `fer ere` e`nðg nðg qu quk k prk prksk skgt gtkk `m `mgg kstk kstk gu gukv kvmm cm cmrl rlufe ufern rnmm pu pukj kjkk skr sust sustntntun unje je m rk`tncn`eje lkjnegtk kf lnslm lnsl m cmrlufernm m `mg kf _JZ _JZ.. kf `mgtrmf jk fe P[GEZ, ef jktkrlngersk kf sefjm jkujmr m e cevmr vefnjejm ef lmlkgtm jk fe jk`fere`nðg.

❓  Lkamrer

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JNCKXKG@NEP KGZXK JK@FEXE JK@FEXE@NMGKP @NMGKP

Zmjes fes klprkses lkgsueflkgtk tnkgkg quk `ulpfnr `mg prkskgter su jk`fere`nðg lkgsuef jk nlpukstms ½Uuî pese sn lk mfvnjm jk`ferer=½Uuî pese sn jk`ferm pesejm fe ck`de jkf vkg`nlnkgtm=½Uuî pese sn prkskgtm egtks jk fe ck`de jk vkg`nlnkgtm= ½@uågtes vk`ks pukjm prkskgter uge jk`fere`nðg=

Jk`fere Jk `fere`nðg `nðg sustntutmrn e

Jk`fere`nðg Xk`tncn`etmrne

Ks equkffe quk sk prkskgte egtks jk fe ck`d ck`de e jk vkg vkg`n `nln lnkg kgtm tm,, y sk puk pukjk jkgg

Ks equkffe quk sk prkskgte peseje fe ck`de jk vkg`nlnkgtm, tkgkr kg `ukgte

prkskgter   ‖g“  vk`ks, gm dey lufte pmr  prkskgter lås jk 5 vkz.

quk e pertnr jk fe skbugje rk`tncn`e`nðg sk ng`urrk kg cefte (bkgkre uge lufte)

Kg `mg` `mg`fu fusnð snðg g skr skrå å ug ugee jk jk`fe `fere re`n `nðg ðg su sust stntntut utmr mrne ne sn pr prks kskgt kgtee eg egtk tkss jk fe ck ck`d `dee jk vkg`nlnkgtm m kf lnslm jìe y skrå uge jk`fere`nðg rk`tncn`etmrìe sn prkskgte pmstkrnmr e fe

ck`de jk vkg`nlnkgtm. Lb. _eufe Såsqukz Ernes

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XÎBNLKG KP_K@NEF JK XKGZE

Ks ug rîbnlkg trnhuternm jnrnbnjm e pkrsmges geturefks y  aurìjn`es, su`ksnmgks ngjnvnses y sm`nkjejks `mgyubefks jmln`nfnejes kg kf peìs quk mhtkgbeg rkgtes jk tkr`kre `etkbmrìe, ks jk`nr rkgtes jk geturefkze klprksernef m jk gkbm` gkb m`nm nm pr prmv mvkg kgnkg nkgtk tkss jk fe fess sn snbun bunkg kgtk tkss e`tnv e`tnvnj njejk ejks, s, quk pmjr pmjråg åg skrr rk sk rkef efnz nzej ejes es kg cm cmrl rlee `mgau `mgaugt gte1 e1 ❓ Kxt Kxtre re`tn `tnves ves11 Lngkrì Lngkrìee y _k _ksqu squkrì krìe. e. ❓ Ngju Ngjustr strnef nefks1 ks1 tregs tregscm cmrle rle`nð `nðg g jk prmju` prmju`tms tms prnlern prnlernms. ms. ❓ @mlkr`nm1 `mlpre y vkgte jk hnkgks quk ejqunkreg, ❓ ❓

prmjuz`e prmjuz `eg g m leguce leguce`tu `turkg rkg.. Pk Pkrv rvn` n`nm nms1 s1 `u `uef efqu qunk nkrr mt mtrre e`tn e`tnvn vnje jej j gm sk skõe õefe feje je kg fm fmss ru ruhr hrms ms egtkrnmrks. Eb Ebrm rmpk pk`u `uer erne nes1 s1 ng`f ng`fuy uykg kg `rìe `rìe jk egnl egnlef efks ks y `uftn `uftnvm vm jk pfeg pfegte tes. s.

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XÎBNLKG KP_K@NEF JK XKGZE

JK@FEXE@N JK@FEX E@NÐG ÐG ^ _EBMP EBMP Jkhkg hkg `ulpfn fnrr `mg jk` jk`ferer y pebe eber lkgsueflkgtk kf Nlpuks puksttm e fe Xkgte, tese e `ef` f`u ufe ferr ks kf 5.; .;% % sm smhr hrkk fm fmss Ng Ngbr brks ksms ms Gktm Gktmss y kf Nlpu Nlpuks kstm tm Bkgk Bkgkrref e fe fess Skg kgte tess (NBS (NBS)) fe te tese se ks jk 54% 54% jk jkff Sef efmr mr jk Skg kgte te.. Pk kg`u kg`ukg kgtr treg eg kx`k kx`kpt ptue uejm jmss jk fe prks prkskg kgte te`n `nðg ðg jk fe Jk Jk`f `fer ere` e`nð nðg g Eg Egue ueff jkf jkf Nl Nlpu puks kstm tm e fe Xk Xkgt gte. e.

@ML_X @ML _XMHE MHEGZK JKtrkb _EBM EB Ef vkgj vkgjkr kr pukj puGZKP kjkkPkgtr kg kber erM`uef `uefqu qunk nkrr `m `mlp lprm rmhe hegt gtks ks jk pebm pebm eu eutm tmrn rnze zejm jm pmr pmr P[GE P[GEZZ. ✐

Gm ks mhfn mhfnbe betm tmrn rnm m klntn klntnrr hmfk hmfkte tess jk vkgt vkgtee m tn`i tn`ikts kts pmr pmr vkgt vkgtes es lkg lkgmr mrks ks e P/ ;, sefvm sefvm quk quk kf `mlp `mlpre rejm jmrr fm kxna kxnae. e. Kg kstm kstmss `e `esm sms, s, ef cn cnge geff jkf jkf jì jìe, e, jkhk jkhk klntn klntnrr ug ugee hm hmfk fkte te jk vk vkgt gtee qu qukk `m `mlp lprrkg kgje je kf tmte tmteff jk su suss vk vkgt gtes es lkgm lkgmrrks e P/ ;, pm pmrr fes fes qu qukk gm sk du duhn hnkr kree kl klnt ntnj njm m hm hmfk fkte te,, `m `mgs gskr krvvegjm egjm kf mrnb mrnbng ngef ef y fe `m `mpn pnee pere pere kf `mg `mgtr trmf mf jk fe P[GE P[GEZ.

FNHXMP M XKBNP FNHXMP XKBNPZXM ZXMPP @MGZ @MGZEHFKP EHFKP Pm Pmfm fm ks kstå tåg g mhfnb mhfnbej ejms ms e ffffkv kver er Xkbn Xkbnst strm rm jk @m @mlp lpre ress y Xk Xkbn bnst strm rm jk Skg kgte tes. s. 8?85-5 Pklege ?>

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XÎBNLKG L^_K ZXNH[ZEXNM

Kstk rîbnlkg `mlprkgjk e pkrsmges geturefks y aurìjn`es, su`ksnmgks ngjnvnses y sm`nkjejks `mgyubefks, fes esm`ne`nmgks jk dk`dm jk prmcksnmgefks y snlnferks quk mhtkgbeg rkgtes jk tkr`kre `etkbmrìe, jmln`nfnejes kg kf peìs `uyms ngbrksms gktms gm supkrkg fes 5 2?? [NZ kg kf kakr`n`nm brevehfk. 5. _ebms e `ukgte jkf Nlpukstm e fe Xkgte sk peberåg jk fe snbunkgtk legkre1 ❓ @mgtrnhuykgtks

`uyms ngbrksms gktms eguefks jkf kakr`n`nm gm supkrkg fes 0?? [NZ1 ugm pmr  `nkgtm (5,?%) e fms ngbrksms gktms mhtkgnjms kg kf lks. ❓ @mgtrnhuykgtks jkf XLZ quk kg `uefqunkr lks jkf kakr`n`nm supkrkg fes 0?? [NZ1 `mgcmrlk e fes rkbfes jkf Xîbnlkg Bkgkref, `ef`ufer kf @mkcn`nkgtk m fe tese jkf 5.;%.

8. Nlpukstm Bkgkref e fes Skgtes (NBS) fe tese ks jk 54% jkf Sefmr jk Skgte. 0. Jk`fere`nðg Aureje Eguef1 jktkrlnger fe rkgte gkte jk e`ukrjm e fes jnspmsn`nmgks jkf Xîbnlkg Bkgkref. XKGZE GKZE EG[EF

ZEPEP

Deste 5; [NZ

5?%

Lås jk 5; [NZ

8>.;?%

8?85 5 Pklege ?>

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XÎBNLKG BKGKXEF JK XKGZE

❓ ❓

❓

Ks ug rîbnl bnlkg trn rnh hutern rnm m quk quk `mlprkgjk kgjk fes pkr pkrsmges getu turrefks fks y aur aurìj ìjnn`es quk quk bkgkr gkreg rk rkg gtes jk tkr`kre tkr` kre `etkbmrì `etkbmrìe. e. Bre Breve fe rk rkg gte mh mhtk tkgn gnje je pm pmrr fe rkef rkefnz nze` e`nð nðg g jk e`tn e`tnvn vnje jejk jkss klpr klprks kser erne nefk fkss qu qukk jk jkse serr rrmf mffe feg g fe fess pk pkrs rsmg mges es getur ureefk fkss y aurìj ìjn` n`ees. Bkgk Bkgkrreflkgtk kstes rkgt kgtes sk prmju` ju`kg pmr fe pertn`n `np pe`nð nðg g `mgaugt ugte jk fe ngvk ngvkrs rsnðg nðg jkf jkf `epn `epnte teff y kf tr treh ehea eam. m. Jkgt Jkgtrm rm jk fes fes `mg `ere `egre`t `tkr krìs ìstn tn`e `es s tm prng prng`n s ejk kstk tkfnje rî rîbn bnlk lkg tk tkgk gklm lms1 `m ug nlpu nl puks kstm quk qu`npe kpefk brev brfks eve fe fessks utnfn utn jejk jks1 s1gjn jnck ckrk rkg` g`ne nes1kgtr kgtrkk ngbr ngbrks ksms ms y be best stms ms e` e`kp kpte tejm jms. s.

✐Ks rî rîbn bnlk lkg g

✐Ks cu cukg kgtk tk bk bkgk gkre rejm jmre re jk rk rkgt gte1 e1 @e @epn pnte teff

y Zre rehe heam am..

✐Pk tnk tnkgk gk quk quk

su sust stkg kgte terr sus sus be best stms ms.. ✐Pk jk jkhk hk rkef rkefnz nzer er pe pebbms e `ukg `ukgte te lkgs lkgsue uefk fkss pm pmrr kf Nlpu Nlpuks kstm tm e fe Xk Xkgt gte. e. ✐Pk prkskg prkskgte te Jk`fer Jk`fere`n e`nðg ðg Eguef. Eguef. ❓

Kstk Xîbnlk Kstk Xîbnlkg g `mlprk `mlprkgjk gjk fms snb snbunk unkgt gtks ks nlpuks nlpukstms tms11 ✐NB NBS S jk vkgt vkgtes es lkgs lkgsue uefk fkss `m `mg g jk jkrk rk`d `dm m e jkju jkju`n `nrr kf nl nlpu puks kstm tm pe pebbejm ejm kg `m `mlp lprres es.. ✐Nl Nlpu puks kstm tm e fe Xkgt Xkgte. e. ✐Zklpm klpmre reff e fms E`tn E`tnvm vmss Gktm Gktmss (N (NZZEG). EG). ✐

Nlpuks ukstm tm emgks fessZere regse gse``n ``nmgk mgks s Cngeg` Cngeg`nkr nkres es ✐Nlp @mgtrnh @mg trnhu`n u`nmgk KPPEF KPP EF[J1 [J1 >%

-NZC

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XÎBNLKG BKGKXEF JK XKGZE @ML_XMHE @ML_X MHEGZK GZKPP JK _EBM EBM Kg kstk rîbn bnl lkg kste eu euttmrnzejm e klntn tnrr `ue `uefq fqu unk nkrr tnp npm m jk `mlp `mlprm rmhe hegt gtkk jk pebm pebm.. ✐

G¿

Gm ks mh mhfnb fnbetm etmrnmklnt rnmklntnr nr hmfkt hmfktes es jk vkg vkgte te m tn`ikt tn`iktss pmr pmr vkg vkgteslkgm teslkgmrkse rkse P/ ;, sefvm sefvm qukkf `m `mlp lpre rejm jmrr fm kxna kxnae. e. Kg kstm kstmss `esm `esms, s, ef cnge cngeff jk jkff jìe, jìe, jk jkhk hk kl klnt ntnr nr ug ugee hm hmfkt fktee jk vkgt vkgtee qu qukk `m `mlp lprk rkgj gjee kf tm tmte teff jk sus sus vk vkgt gtes es lk lkgm gmrk rkss e P/ ;, pm pmrr fes fes qu qukk gm sk du duhn hnkr kree kl klnt ntnj njm m hm hmfkt fkte, e, `mg `mgskr skrveg vegjmkf jmkf mrn mrnbng bngef ef y fe `mp `mpne ne pere pere kf `mgt `mgtrmfjk rmfjk fe P[GEZ P[GEZ.. JKP@XN_@NÐG

FNHXMP FNH XKB @MG EHF J khXMP kg ^ffkXKBNP ver NPZX `ZXMP mgMP teh@MGZ nfnjeZjEHFKP `mKP lpfkte, smg jk kxnbkg`ne kxnb kg`ne mhfnbetmr mhfnbetmrne. ne.

@ÐJNBM

GMLHXK M JKP@XN_@NÐG

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Mtrms Ce`ture Hmfkte j k S kkg gte Fn Fnqu qunj nje` e`nð nðgjk`ml gjk`mlpr pree Hmf Hmfktmjk ktmjk `mlpeõ `mlpeõìejk ìejk evne`n evne`nðg`mlkr ðg`mlkr`ne `nefpmr fpmr kf skrvn skrvn`nmjk `nmjk tre tregsp gspmrt mrtkk eîr eîrkmjk kmjk peseak peseakrms rms @e @ert rtee jkpmr jkpmrtkeîr tkeîrkmpmrkf kmpmrkf skrv skrvn` n`nmjk nmjk treg tregsp spmr mrtkjk tkjk `e `erb rbee eîrk eîrkee Gmte j k ` rrîîjntm Gmte j k j îîh hntm Buìejkrk Buìejkrkln lnsn snðg-Xkl ðg-Xklnt ntkg kgtk tk Xk Xk`nh `nhmpmrErrk mpmrErrkgj gjel elnk nkgt gtm m _ðf _ðfnzeklnt nzeklntnjepmrfes njepmrfes Hmf Hmfsesjk sesjk Sef Sefmrk mrkss y mtreseutmr mtreseutmrnze nzejespmr@MGE jespmr@MGEPKS PKS Zn Zn`i `iktm ktm `ng `ngtekln teklntn tnjmpmrlåq jmpmrlåqun ungerkb gerkbns nstr trej ejmr mree Jm` Jm`ulk ulkgtmklnt gtmklntnjmpmrheg`m njmpmrheg`ms,ngstn s,ngstntu` tu`nmg nmgkscnge kscngeg`n g`nkre kres,`rkj s,`rkjntn ntn`nesy `nesy jk skbur skburms ms heam heam `mgtrm `mgtrmff jk PHP Xk` Xk`nhmpmrskrvn nhmpmrskrvn`nm `nmspñhfn` spñhfn`msjk msjk sul sulngn ngnstr strm m jkkgkrb jkkgkrbìekfî`t ìekfî`trn` rn`e,ebue e,ebue,, tkf tkfîcm îcmgm,tkfk gm,tkfkxx y tkf tkfkbr kbråcn åcn`msy `msy mtrms mtrms Hmf Hmfktmklnt ktmklntnjmpmr njmpmr fesklpr fesklprkse ksess jk tre tregsp gspmrt mrtkk pñhfn`murh pñhfn`murhegmjk egmjk peseak peseakrms rms Hmf Hmfktmjk ktmjk vne vneakklntnj akklntnjm m pmrfes klp klprks rksesjk esjk tre tregs gspmr pmrtkpñhfn` tkpñhfn`m m ngt ngtkrp krprmv rmvng` ng`nefjk nefjk peseak peseakrmsjkgt rmsjkgtrm rm jkfpeìs Jm` Jm`ulk ulkgtmklnt gtmklntnjmpmrfe njmpmrfe Nbfksn Nbfksnee @e @etðf tðfn`epmr n`epmr kf err errkgj kgjeln elnkgt kgtmjk mjk hnk hnkgksnglu gksnglukhf khfks ks Jm` Jm`ulk ulkgtmklnt gtmklntnjmpmrfes njmpmrfes Ejlngns Ejlngnstre trejmr jmres_rnv es_rnveje ejesjk sjk Cmgjm Cmgjm jk_kgsn jk_kgsnmgk mgkss Hmf Hmfktmm ktmm kgtrej kgtrejee pmretre pmretre``nm ``nmgksy gksy kspk` kspk`tå` tå`ufm ufmspñhfn spñhfn`ms `ms

5 8 0 : ; 3 2 4 > 5? 55 58 50 5: 5; 53 52 54 83

FN H HX XM @EAE ^ HEG@MP FNHX FNHXM M JK NGBX NGBXKP KPMP MP ^ BEP BEPZM ZMPP FNHX FNHXM M JK JK NGSK NGSKGZ GZEX EXNM NMPP ^ H HEF EFEG EG@K @KPP FNHXM FNHXM J JKK XKZ XKZKG@ KG@NMG NMGKP KP NG@ NG@NPM NPMPP K) ^ C) JKF EXZ EXZN@[ N@[FM FM 0: 0:¿ FK^ NL_[KPZM E FE XKGZE FNHXM JNEXNM FNHXM LE^MX X KB KB NP NP ZZX X MJK E@ E@ZNS ZNS MP MP C NAM NAMPP XK BN BNPZXM J K @ML_XEP XKBN XKBNPZ PZXM XM JK @MGP @MGPNB NBGE GE@N @NMG MGKP KP X KB KB NP NP ZZX X MJK @M PZM PZMPP X KB KB NP NP ZZX X MJK D[ D[ÎP ÎP_ _ KJK KJKPP XKBNPZX XKBNPZXM M JK NGS NGSKGZ KGZEXN EXNM M _KXL _KXLEGK EGKGZK GZK KKG G [GNJEJ [GNJEJKP KP CÌP CÌPN@E N@EPP XKBNPZX XKBNPZXM M JK NGS NGSKGZ KGZEXN EXNM M _KXLE _KXLEGKG GKGZK ZK S SEFM EFMXNQ XNQEJM EJM XKBNP XKBNPZX ZXM M JK SKGZE SKGZEPP K NGBX NGBXKP KPMP MP XKBNP XKBNPZX ZXM M JK SKGZE SKGZEPP K NGBX NGBXKP KPMP MP ‐  EXZ. 80¿ XKP.P[_. G¿ 833-8??:/P[GEZ XKBNP XKBNPZX ZXM M JKF JKF XÎB XÎBNL NLKG KG J JKK _KX@K _KX@K_@ _@NM NMGK GKPP XKBNP XKBNPZX ZXM M JK JKFF XÎB XÎBNL NLKG KG JK XK XKZK ZKG@ G@NM NMGK GKPP XKBNPZXM NSE_ XKBNPZX XKBNPZXM M JK XKZ XKZKG@ KG@NMG NMGKP KP EX EXZÌ@ ZÌ@[FM [FM 2 22-E 2-E FK FK^^ JKF NL_ NL_[KP [KPZM ZM E FE XKG XKGZE ZE

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@mlpr @mlprmhegt mhegtkk jk Xktkg Xktkg`nðg `nðg @mg @mgm`nl m`nlnkg nkgtmjk tmjk klh klherq erqukpmr ukpmr kf skr skrvn` vn`nmjk nmjk tregsp tregspmrt mrtkk jk`erbelerìt jk`erbelerìtnle nle @ml @mlprm prmheg hegtkpmr tkpmr Mpkre` Mpkre`nmg nmgksGm ksGm Dehntu Dehntuefk efkss @k @krtn rtncn` cn`ejmjk ejmjk peb pebm m jk rkbefì rkbefìesklntn esklntnjespmr_KX[_ jespmr_KX[_KZX KZXMP.E MP.E

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FNHXM JK E@ E@ZEP ZEP JK JK FE KL_XKP KL_XKPE E NGJNSNJ[ NGJNSNJ[EF EF JK XKP_MGPE XKP_MGPEHNFNJE HNFNJEJ J FFNLNZE NLNZEJE JE FNHXM FNHXM JK E E@Z @ZEP EP JK FE FE A[ A[GZE GZE BKGKX BKGKXEF EF JK E@ E@@NM @NMGNP GNPZEP ZEP FNH FNHXM XM JK E@ E@ZE ZEPP J JKF KF JNX JNXK@ K@ZM ZMXN XNM M FNH FNHXM XM JK L LEZ EZXÌ XÌ@[ @[FE FE JK E@@ E@@NM NMGK GKPP

05

F NH NH XM XM JK _ FE FEGN FF FF EP EP

 

XÎBNLKG BKGKXEF JK XKGZE

Kståg `mlprkgjnjes equkffes pkrsmges quk rkefn`kg e`tnvnjejks klprksernefks m jk gkbm`nms, kgtrk kffes1 pkrsmges geturefks, pkrsmges aurìjn`es, su`ksnmgks ngjnvnses, sm`nkjejks `mgyubefks quk mptkg trnhuter `mlm tef y fes esm`ne`nmgks jk dk`dm jk prmcksnmgefks y snlnferks. Ks epfn`ehfk e `uefqunkr tnpm jk `mgtrnhuykgtk quk bkgkrk rkgtes jk tkr`kre `etkbmrìe.

Fe tese e trnhuter snbunkgtks pesms1 ks jkf 8>.;% smhrk fe Xkgte Gkte. Fms pebms e `ukgte sk jktkrlngeg `mg fms T @mkcn`nkgtk Ng`nsm e)

_EBM E @[KGZ LMGZM  E

Ngbrksms Gktms jkf lks

@mkcn`nkgtk < @mkcn`nkgtk KGK KGK - CKH CKH

eff egtkrnmr  Nlpuk Nlpukstm stm `e `ef`ufejm f`ufejm jkf kakr`n`nm prk`kjkgtk e Ngbrk Ngbrksms sms gktms jkf kak kakr`n`nm r`n`nm prk`k prk`kjkgtk jkgtk ef egtkrnmr  egtkrnmr 

@mkcn`nkgtk @mk cn`nkgtk < LEX - JN LEX JN@ @

 akr `n `n m eg tkr nmr  Nlpuk Nlpukstm stm `e `ef`ufejm f`ufejm jkf k akr`n Ngb Ngbrks rksms ms gk gktms tms jkf jkf ka kakr` kr`n`nm n`nm egtkrn egtkrnmr  mr 

LE^MX

T 5.;% Ng`nsm h)

Pk epfn`e kg fms `esms jk gm kxnstnr nlpukstm `ef`ufejm `mg kf kakr`n`nm egtkrnmr m kg kf prk`kjkgtk ef egtkrnmr. egtkrnmr.

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XÎBNLKG JK ELEQMGÌE

@mlprk @mlp rkgj gjnj njes es fe fess pk pkrs rsmg mges es ge getu ture refk fkss m aurì aurìjn jn`e `ess qu quk k rkef rkefn` n`kg kg e`tn e`tnvn vnje jejk jkss k`mg k`mgðl ðln` n`es es11 ebrmpk`uerne, e`un`ufture, pks`e, turnslm, esì `mlm fes e`tnvnjejks leguce`turkres vng`ufejes ef prm`kse prm` kselnkg lnkgtm, tm, tre tregsc gscmrl mrle`n e`nðg ðg y `mlk `mlkr`n r`nefn efnze` ze`nðg nðg jk prm prmju`t ju`tms ms prnlern prnlernms ms prmvkg prmvkgnkg nkgtks tks jk fes e`tnvnjejks egtks ngjn`ejes y fe tregscmrle`nðg cmrkstef, snklprk quk skeg prmju`njms kg fe zmge jk Elezmgìe. @ehk skõefer quk fe zmge  ‖Elezmgìe“ sk kg`ukgtre jkfnlnteje kg kf ertì`ufm 0¿ jk fe Fky jk _rmlm`nðg jk fe Ngvkrsnðg kg fe Elezmgìe mgìe (Fky 82?02 y lmjncn`etmrnes). Kste Fky y su rkbfelkgtm skõefeg uge skrnk jk rkqunsntms Elez quk fms `mgtrnhuykgtks jkhkg jk `ulpfnr e cng jk pmjkr  e`mbkrsk e kstk hkgkcn`nm. @ehk skõefer quk kstk rîbnlkg `mlprkgjk kf `ulpfnlnkgtm jk jms nlpukstms, kf nlpukstm e fe Xkgte y kf Nlpukstm Bkgkref e fes Skgtes. ❓  Nlpukstm e fe rkgte1 Fms `mgtrnhuykgtks uhn`ejms kg fe Elezmgìe, jkjn`ejms prng`npeflkgtk e fes e`tnvnjejks `mlprkgjnjes kg kf pårrecm egtkrnmr, esì `mlm e fes e`tnvnjejks jk kxtre``nðg cmrkstef epfn`eråg pere kck`tms jkf Nlpukstm e fe Xkgte `mrrkspmgjnkgtk e rkgtes jk tkr`kre `etkbmrìe, uge tese jk 5?% (jnkz pmr `nkgtm). @ehk skõefer quk fe Fky skõefe mtres teses tkgnkgjm kg `ukgte kf tnpm jk `uftnvm, fe e`tnvnjej `mlkr`nef, kt`. (Fky jk _rmlm`nðg jk fe Ngvkrsnðg Ngvkrsn ðg kg fe Elezmgìe. Elezmgìe.)) ❓   Nlpukstm Bkgkref jk fes Skgtes 1 Fms `mgtrnhuykgtks uhn`ejms kg fe Elezmgìe bmzeg jk

kxmgkre`nðg prkskgtk nlpukstm pmr fes mpkre`nmgks skõefejes kg fe Fky jk _rmlm`nðg jk fe Ngvkrsnðg Ngvkrsn ðg kg jkf fe Elezmgìe.

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MZXMP XÎBNLKGKP

XÎBNLK XÎB NLKG G JK CX CXMGZ MGZKXE KXE Ks ug rîbnlkg pertn`ufer quk hkgkcn`ne e fes klprkses uhn`ejes kg fe zmge jk crmgtkre jkf peìs. Fes klprkses uhn`ejes kg zmge jk crmgtkre `mlprkgjnjes jkgtrm jk fms ef`eg`ks jk fe Fky G¿ 80:?2, quk sk jkjnqukg ef prm`kselnkgtm, tregscmrle`nðg m leguce`ture jk rk`ursms geturefks jk mrnbkg ebrmpk`uernm m pksqukrm prmvkgnkgtks jk jn`de zmge y quk juregtk kf kakr`n`nm 5>>4 duhnkreg bmzejm jk fe kxmgkre`nðg jkf Nlpukstm e fe Xkgte, epfn`eråg pere kck`tm jk jn`dm Nlpukstm fe tese jkf 5?%. 5?%.

@MGSKGNM @MGS KGNM JK KPZ KPZEHNF EHNFNJ NJEJ EJ Ks ug rîbnlkg rîbnlkg pertn`ufer pertn`ufer quk pkrlntk pkrlntk e fms hkgkcn`nernms hkgkcn`nernms kstehnfnze kstehnfnzerr kf rîbnlkg tr trnhuter nhuternm nm vnbkgt vnbkgtk k e fe ck`de jk sus`rnp`nðg jkf `mgvkgnm. Kste mp`nðg jkhk ler`ersk sn kf `mgtrnhuykgtk `ukgte `mg ug @mgvkgnm @mgv kgnm cnrlejm cnrlejm `mg kf Kstejm, Kstejm, vnbkgt vnbkgtk k e fe cck`de k`de jk fe jk`fere jk`fere`nðg. `nðg. [g `mgtretm jk kstehnfnjej aurìjn`e y trnhuterne pkrlntk e uge klprkse legtkgkr kg kf tnklpm fes rkbfes jk aukbm `mg fes quk ngn`nð ug prm`ksm jk ngvkrsnðg, jegjm prkjn`tnhnfnjej e sus prm`ksms, kståg mhfnbejms mhfnbejms e peber peber 8% lås pmr `mg`kptm `mg`kptm jk Nlpuks Nlpukstm tm e fe Xkgte (NX).

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XÎBNLKG ZXNH[ZEXNM @MG@K_ZMP _krsmge Geturef _krsmge Aurìjn`e Fìlntk jk ngbrksms Fìlntk jk `mlpres @mlprmhegtks quk pukjkg klntnr

XKX

X LZ

XB

Pì Gm

Pì Pì

Pì Pì

Deste P/ >3,??? eguefks u P/ 4,??? lkgsuefks.

Deste P/ ;8;,??? eguefks.

Pì Pì Ngbrksms gktms quk gm supkrkg 52?? [NZ kg kf kakr`n`nm brevehfk (prmyk`tejm m jkf kakr`n`nm egtkrnmr).

Deste P/ >3,??? eguefks u P/ 4,??? lkgsuefks. Hmfkte jk vkgte y tn`ikts quk gm jeg jkrk`dm e `rîjntm cns`ef. Gm ffkveg rkbnstrms `mgtehfks.

Xkbnstrms @mgtehfks JA Eguef - Xkgte

Jk`fere`nðg Lkgsuef,

GX[P

_ebm jk

Deste P/ ;8;,??? eguefks. Ce`ture, hmfkte y tmjms fms

Gm

jklås pkrlntnjms. Xkbnstrm jk @mlpres y Xkbnstrm jk Skgtes Gm

_ebm lìgnlm P/ 8? (Ngbrksms m @mlpres P/ ;,???.??) y låxnlm P/ ;? (Ngbrksms m @mlpres P/ 4,???)

Xkgte1 @umte jk 5.;% jk ngbrksms gktms lkgsuefks (@eg`kfetmrnm).

trnhutms lkgsuefks Kf NBS kstå ng`funjm kg fe ñgn`e `umte NBS1 54% 54% (ng`fuyk kf nnlpukstm lpukstm quk sk pebe kg îstk rîbnlkg. jk prmlm`nðg lugn`npef). Xkstrn``nðg pmr tnpm e`tnvnjej Zreheaejmrks

Sefmr jk e`tnvms cnams _msnhnfnjej jk jkju`nr bestms

Png fìlntk Ce`ture, hmfkte y tmjms fms jklås pkrlntnjms. p krlntnjms. Xkbnstrm jk Skgte, Xkbnstrm jk @mlpres y Fnhrm Jnernm Cmrletm Pnlpfncn`ejm. Pì

   

Png fìlntk Png fìlntk Ce`ture, hmfkte y tmjms fms jklås pkrlntnjms. @mgtehnfnjej `mlpfkte Pì

 

Xkgte1 Pn gm supkreg fes 0?? [NZ jk j k ngbrksms gktms Xkgte1 _ebm e `ukgte eguefks1 peberåg kf 5% jk fms ngbrksms gktms lkgsuef. Kf quk rksuftk `mlm lkgsuefks. Pn kg `uefqunkr lks supkreg sup kreg fes 0?? `mkcn`nkgtk `mkcn`nkgt k m kf 5.;% skbñg fe [NZ jk ngbrksms gktms eguefks peberåg 5.;% m `mkcn`nkgtk.

Fky jkf Nlpukstm e fe Xkgte.

NBS1 54% (ng`fuyk kf nlpukst nlpukstm m jk prmlm`nðg lugn`npef).

NBS1 54% (ng`fuyk kf nlpukstm nlp ukstm jk prmlm`nðg lugn`npef).

Pn tnkgk Png fìlntk P/ 2?,???.??

Pn tnkgk 5? pmr turgm P/ 583,???.??

Gm tnkgk Png fìlntk

Gm tnkgk Png fìlntk

@mg kx`kp`nðg jk fms prkjnms y vkdì`ufms

@mg kx`kp`nðg jk fms prkjnms y vkdì`ufms.

Png fìlntk

Png fìlntk

Gm tnkgk

Gm tnkgk

Pn tnkgk

Pn tnkgk

Lb. _eufe E`mbnlnkgtm

Såsqukz ErnesPðfm `mg fe eck`te`nðg ef lmlkgtm jk fe ngs`rnp`nðg.*

@mg fe jk`fere`nðg y pebm lkgsuef.

@mg fe jk`fere`nðg lkgsuef ef ngn`nm jk e`tnvnjejks.*

 

_JZ 385 NBS  ‐  XKGZE LKGP[EF

Pðfm `mg fe jk`fere`nðg 8?85-5 Pklege ?0 lkgsuef.

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5. [hn`er [hn`er kf gñlk gñlkrm rm jk X[@ jkf jk`feregtk. 8. Ngjn`er Ngjn`er kf _krn _krnmjm mjm.. 0. Ngjn`e Ngjn`err sn fe jk`fere`nðg jk`fere`nð g rk`tncn`e m sustntuyk. :. Znpm Znpm jk Xîb Xîbnlkg nlkg jkf jk`feregtk.

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JK@FEXE@NÐG PNG LMSNLNKGZMP

Jk`fere`nðg kg `krm kg _JZ 385, sng lmvnlnkgtms. Pk epfn`e kstk kakl kaklpf pfmm pe pere re klp lprk rkse sess quk kg ug pk pkrrnm nmjm jm gm vkg kgjn jnk krmg rmg gn `mlprermg. KL_XKPE X[@

1 GMLHXK ^ E_KFFNJMP JKF EF[LGM 1 5? + ‖# JK JGN“ + JNBNZM EJN@NMGEF JKF JGN

XKBNLKG 1 KGKXM XKBNLKG KP_K@NEF _KXNMJM 8?8? SEFMX JK @ML_XE < ?.?? SEFMX JK SKGZE < ?.??

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JK@FEXE@NÐG PNG LMSNLNKGZMP Ngjn`er kg vkgtes ? Ngjn`er kg `mlpres ?

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JK@FEXE@NÐG PNG LMSNLNKGZMP   Ngjn`er kg Xkgte Hesk ? •   Jktkrlnge`n Jktkrlnge`nðg ðg jk fe Jkuje

•

•

  Ngjn`er Cmrle jk _ebm < kck`tnvm

• •

  @fn`i SEFNJEX   @fn`i BXEHEX

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JK@FEXE@NÐG PNG LMSNLNKGZMP   Skrncn`er quk kf cmrlufernm kste `mlpfktm •   BKGKXEX EX@DNSM _JZ •   Ejlngnstrejmr jk kgvìms •

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JK@FEXE@NÐG PNG LMSNLNKGZMP

Ngtkrgkt Puget Mpkre`nmgks kg Fìgke

Fms _JZ `mg nlpmrtk e peber @KXM jkhkg skr prkskgtejms smfm e trevîs jk fe Ngtkrgkt.

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JK@FEXE@NÐG @MG @ML_XEP ^ SKGZEP

Jk`fere`nðg kg _JZ 385, `mg lmvnlnkgtms. Pk epfn`e kstk kaklpfm pere klprkses quk kg ug pkrnmjm rkefnzeg `mlpres y vkgtes.

KL_XKPE 1 GMLHXK ^ E_KFFNJMP JKF EF[LGM 1 5? + ‖# JK JGN“ + JNBNZM EJN@NMGEF JKF JGN X[@ XKBNLKG 1 XKBNLKG KP_K@NEF _KXNMJM 1 CKHXKXM 8?8? SEFMX JK @ML_XE < P/ :,???.?? SEFMX JK SKGZE SKGZE < P/ ;,;??.??

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JK@FEXE@NÐG @MG @XÎJNZM CNP@EF

Jk`fere`nðg kg kf _JZ 385 errestregjm kf `rîjntm cns`ef jk ug pkrnmjm egtkrnmr. KL_XKPE X[@

1 GMLHXK ^ E_KFFNJMP JKF EF[LGM 1 5? + ‖# JK JGN“ + JNBNZM EJN@NMGEF JKF JGN

XKBNLKG XKBNLKG KP_K@NEF _KXNMJM 1 LEXQM 8?8? SEFMX JK @ML_XE < P/ 4??.?? SEFMX JK SKGZE SKGZE < P/ 5,8??.?? @XÎJNZM CNP@EF < P/ 0?.?? (lks egtkrnmr)

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JK@FEXE@NÐG XK@ZNCN@EZMXNE

Jk`fere`nðg kg kf _JZ 385 Xk`tncn`etmrne jk `mlpres y vkgtes

KL_XKPE X[@

1 GMLHXK ^ E_KFFNJMP JKF EF[LGM 1 5? + ‖# JK JGN“ + JNBNZM EJN@NMGEF JKF JGN

XKBNLKG 1 XKBNLKG KP_K@NEF _KXNMJM 1 KGKXM 8?8? SEFMX JK @ML_XE < P/ 5??.?? SEFMX JK SKGZE SKGZE < P/ 0??.??

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JK@FEXE@NÐG XK@ZNCN@EZMXNE

5. Ngjn`er [hn`er jk`fere`nð jk`fere`nðg qukk velms e rk`tncn`er rk`tncn`er.. 8. Ngjn `er fe lmjncn`er lmjn cn`er.. g qu 0. Mp`nðg Mp`nðg Xk` Xk`tncn`e tncn`etmrne tmrne ngjn ngjn`er `er PN pere pere dehn dehnfnter  fnter  fms `mg`kptms e lmjncn`er.

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JK@FEXE@NÐG XK@ZNCN@EZMXNE

5. Kfkbnr fms `mg`kptms e lmjncn`er1fms NBS ymrtks XKGZE 8. Ngbrkser nlp nlpmrtks y jktkrlnger fe jkuje. 0. Breher, vefnjer y sefnr. :. Bkgkrer kf _JZ _JZ.. ;. Xkefnze Xkefnzerr kf pebm ppmr mr fe M_@NÐG @FESK PMF

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_XÅ@ZN@E PKLEGE ?>

❓

_rkperer Xkbnstrm jk `mlpre y

❓

Xkbns kbnstr trm m jk vkgte kgtes. s. Xkbnstrer kg kf _JZ 385 y jktkrlnger fms nlpukstms e peber

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ZKLEP PNB[NKGZK PKPNÐG

❓

_JZ 385 Xîbnlkg Lypk Zrnhuternm.

❓

@ere`tkrìstn`es jk Lypk Zrnhuternm. Zrnhuternm.

Mhfnbe`nmgks trnhuternes. ❓ @esm prå`tn`m. ❓

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Ce`uftej jk @nkg`nes Klprksernefks PNPZKLEP @MGZEHFKP NN

NBS XKGZE LKGP[EF _JZ 385 FN@KG@NEJE _MX Jm`kgtk1 _eufe Såsqukz Ernes