{"id":41928,"date":"2026-09-23T17:24:52","date_gmt":"2026-09-23T17:24:52","guid":{"rendered":"https:\/\/arr.pt\/?page_id=41928"},"modified":"2026-09-26T10:31:13","modified_gmt":"2026-09-26T10:31:13","slug":"mortgage","status":"publish","type":"page","link":"https:\/\/arr.pt\/en\/mortgage\/","title":{"rendered":"\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"41928\" class=\"elementor elementor-41928\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f3c921 e-con-full e-flex e-con e-parent\" data-id=\"a6f3c921\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9c833d5 e-con-full e-flex e-con e-child\" data-id=\"9c833d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2664409 elementor-widget 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#arr-mortgage-budget{--form-ink:#24313d;--form-line:rgba(36,49,61,.30);--form-field-ink:rgba(36,49,61,.74);--form-placeholder:rgba(36,49,61,.68);--form-fill:#edf3f9;--form-note:#64717d;--form-focus:#0b45b5;--form-button:#0b45b5;--form-button-ink:#fff;--form-button-hover:#07378d;--form-error:#b42318;color-scheme:light}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card{padding:0;background:transparent;color:var(--form-ink)}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card h3{color:var(--form-ink)}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .wpcf7-form>p{gap:14px}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .wpcf7-form-control-wrap{margin-bottom:0}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card input:not([type=hidden]):not([type=checkbox]):not([type=radio]):not([type=submit]),.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card select{min-height:50px;padding:10px 2px;border:0!important;border-bottom:.5px solid var(--form-line)!important;background:transparent!important;color:var(--form-field-ink)!important;font-size:15px;box-shadow:none!important}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) input::placeholder{color:var(--form-placeholder);opacity:1}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card select option{background:var(--form-fill);color:var(--form-ink)}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card :is(input,select):focus-visible{outline:2px solid var(--form-focus);outline-offset:5px}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card input[type=submit]:not([type=hidden]):not([type=checkbox]):not([type=radio]){margin-top:10px;background:var(--form-button)!important;color:var(--form-button-ink)!important;border:1px solid var(--form-button)!important;min-height:52px}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card input[type=submit]:not([type=hidden]):not([type=checkbox]):not([type=radio]):hover{background:var(--form-button-hover)!important;border-color:var(--form-button-hover)!important}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .arr-lead-card .privacy{color:var(--form-note)}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .privacy a{color:var(--form-ink);text-underline-offset:3px}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .wpcf7-not-valid-tip{color:var(--form-error)}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) .wpcf7-response-output{color:var(--form-ink)}\n.arr-mortgage6 :is(#arr-mortgage-apply,#arr-mortgage-budget,#arr-mortgage-contact) input:autofill{box-shadow:0 0 0 1000px var(--form-fill) inset!important;-webkit-text-fill-color:var(--form-ink)!important;caret-color:var(--form-ink)}\n\n\n\/* Small, language-neutral horizontal-scroll cue. *\/\n.arr-mortgage6 .arr-case-scroll-cue{display:none}\n@media(max-width:950px){.arr-mortgage6 .arr-case-scroll-cue{display:flex;justify-content:flex-end;margin:22px 0 8px;color:var(--blue);font-size:19px;line-height:1;font-weight:400}.arr-mortgage6 .arr-case-scroll-cue+.arr-case-table-wrap{margin-top:0}}\n\n\/* ARR test6 mobile case label width 2026-09-24 *\/\n@media(max-width:600px){.arr-mortgage6 .arr-case-table thead th:first-child{width:128px}.arr-mortgage6 .arr-case-table thead th:first-child,.arr-mortgage6 .arr-case-table tbody th{padding:13px 10px;overflow-wrap:anywhere}}\n.arr-mortgage6 .arr-keyfacts{padding-top:72px;padding-bottom:68px}.arr-mortgage6 .arr-keyfacts h2{font-size:28px;letter-spacing:0;text-transform:uppercase}.arr-mortgage6 .arr-keyfacts ol{margin:28px 0 0;padding:0;list-style:none;counter-reset:fact}.arr-mortgage6 .arr-keyfacts li{display:grid;grid-template-columns:32px minmax(0,1fr);gap:14px;align-items:start;margin:0 0 10px;font-size:16px;line-height:1.55;counter-increment:fact}.arr-mortgage6 .arr-keyfacts li:before{content:counter(fact);display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:#123e91;color:#fff;font-weight:700;line-height:1}.arr-mortgage6 .arr-keyfacts .fine{max-width:900px;margin-top:24px}.arr-mortgage6 .arr-faq-intro{max-width:850px;color:var(--muted)}\n@media(max-width:600px){.arr-mortgage6 .arr-keyfacts{padding-top:58px;padding-bottom:54px}.arr-mortgage6 .arr-keyfacts h2{font-size:24px}.arr-mortgage6 .arr-keyfacts li{font-size:14px;gap:12px}.arr-mortgage6 .hero h1{font-size:34px}}\nbody.page-id-41928 .elementor-element-9c833d5{padding:0!important}\n\n\/* Key mortgage facts: actual HTML values remain visible in every language. *\/\n.arr-mortgage6 .arr-keyfacts h2{font-size:36px;letter-spacing:-.035em;text-transform:none}\n.arr-mortgage6 .arr-keyfacts ol{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:30px 0 0;padding:0;list-style:none}\n.arr-mortgage6 .arr-keyfacts li{display:flex;flex-direction:column;gap:0;align-items:stretch;min-height:190px;margin:0;padding:27px;border:1px solid var(--line);background:#fff;font-size:16px;line-height:1.5}\n.arr-mortgage6 .arr-keyfacts li::before{display:none;content:none}\n.arr-mortgage6 .arr-keyfacts .arr-keyfact-value{display:block;margin:0 0 15px;color:var(--blue);font-size:30px;font-weight:500;line-height:1.1;letter-spacing:-.04em}\n.arr-mortgage6 .arr-keyfacts .arr-keyfact-index{color:#90a5c0;font-size:22px}\n.arr-mortgage6 .arr-keyfacts .arr-keyfact-long{font-size:26px}\n.arr-mortgage6 .arr-keyfacts .arr-keyfact-en{display:none}\nhtml[lang^='en'] .arr-mortgage6 .arr-keyfacts .arr-keyfact-local{display:none}\nhtml[lang^='en'] .arr-mortgage6 .arr-keyfacts .arr-keyfact-en{display:inline}\n.arr-mortgage6 .arr-keyfacts .fine{max-width:900px;margin-top:24px}\n@media(max-width:900px){.arr-mortgage6 .arr-keyfacts ol{grid-template-columns:repeat(2,minmax(0,1fr))}}\n@media(max-width:600px){.arr-mortgage6 .arr-keyfacts h2{font-size:28px}.arr-mortgage6 .arr-keyfacts ol{grid-template-columns:1fr;gap:12px;margin-top:25px}.arr-mortgage6 .arr-keyfacts li{min-height:0;padding:22px;font-size:15px}.arr-mortgage6 .arr-keyfacts .arr-keyfact-value{margin-bottom:11px;font-size:28px}.arr-mortgage6 .arr-keyfacts .arr-keyfact-index{font-size:22px}.arr-mortgage6 .arr-keyfacts .arr-keyfact-long{font-size:25px}}\n\n\/* Keep the key-fact cards focused on figures, without decorative SVGs or tiny item numbers. *\/\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts li{display:flex!important;flex-direction:column!important;gap:0!important;align-items:stretch!important}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts li::before,body.page-id-41928 .arr-mortgage6 .arr-keyfacts li::after{content:none!important;display:none!important;background:none!important}\n\n\/* Four connected milestones instead of service cards. *\/\n.arr-mortgage6 .service-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;margin-top:44px;border:0}\n.arr-mortgage6 .service{position:relative;min-width:0;min-height:0;padding:0 8px 0 0;border:0;background:transparent}\n.arr-mortgage6 .service:not(:last-child)::after{content:'';position:absolute;left:46px;right:-24px;top:22px;height:1px;background:#b8cadb}\n.arr-mortgage6 .service small{position:relative;z-index:1;display:grid;place-items:center;width:46px;height:46px;border:1px solid var(--blue);border-radius:50%;background:var(--pale);color:var(--blue);font-size:13px;font-weight:600;line-height:1;letter-spacing:0}\n.arr-mortgage6 .service h3{max-width:245px;margin:22px 0 10px;font-size:18px;line-height:1.32}\n.arr-mortgage6 .service p{max-width:270px;margin:0;color:var(--muted);font-size:14px;line-height:1.6}\n@media(max-width:1024px){.arr-mortgage6 .service-grid{grid-template-columns:1fr;gap:0;margin-top:36px}.arr-mortgage6 .service{display:grid;grid-template-columns:46px minmax(0,1fr);grid-template-rows:auto auto;column-gap:24px;min-height:0;padding:0 0 32px}.arr-mortgage6 .service:last-child{padding-bottom:0}.arr-mortgage6 .service:not(:last-child)::after{left:22px;right:auto;top:46px;bottom:0;width:1px;height:auto}.arr-mortgage6 .service small{grid-column:1;grid-row:1 \/ span 2}.arr-mortgage6 .service h3{grid-column:2;grid-row:1;max-width:none;margin:1px 0 8px}.arr-mortgage6 .service p{grid-column:2;grid-row:2;max-width:650px}}\n@media(max-width:600px){.arr-mortgage6 .service-grid{margin-top:32px}.arr-mortgage6 .service{grid-template-columns:40px minmax(0,1fr);column-gap:16px;padding-bottom:29px}.arr-mortgage6 .service small{width:40px;height:40px;font-size:12px}.arr-mortgage6 .service:not(:last-child)::after{left:19px;top:40px}.arr-mortgage6 .service h3{font-size:18px;margin:0 0 7px}.arr-mortgage6 .service p{font-size:14px}}\n\n\/* Test mortgage page: avoid untranslated FAQ tail and mobile CTA obstruction. *\/\nhtml[lang^='en'] body.page-id-41928 .arr-faq-ru-only,html[lang^='pt'] body.page-id-41928 .arr-faq-ru-only{display:none!important}\n@media(max-width:600px){body.page-id-41928 .joinchat{display:none!important}}\n<\/style>\n<script>\n(function(){\n  function upgradeMortgageFields(){\n    var forms=document.querySelectorAll('body.page-id-41928 .arr-mortgage6 .wpcf7');\n    forms.forEach(function(form){\n      var email=form.querySelector('input[name=\"your-email\"]');\n      var phone=form.querySelector('input[name=\"your-phone\"]');\n      var contact=form.querySelector('select[name=\"your-call\"]');\n      if(contact&&contact.options.length){contact.options[0].value=String.fromCharCode(1047,1074,1086,1085,1086,1082)}\n      if(email){email.setAttribute('type','email');email.setAttribute('inputmode','email');if(!email.getAttribute('aria-label'))email.setAttribute('aria-label',email.getAttribute('placeholder')||'Email')}\n      if(phone){phone.setAttribute('type','tel');phone.setAttribute('inputmode','tel');if(!phone.getAttribute('aria-label'))phone.setAttribute('aria-label',phone.getAttribute('placeholder')||'Telephone')}\n    });\n  }\n  upgradeMortgageFields();\n  document.addEventListener('DOMContentLoaded',upgradeMortgageFields,{once:true});\n  window.addEventListener('load',upgradeMortgageFields,{once:true});\n  document.addEventListener('wpcf7init',upgradeMortgageFields);\n  var mortgageMessages={\n    ru:{mail_sent:'\u0421\u043f\u0430\u0441\u0438\u0431\u043e \u0437\u0430 \u0432\u0430\u0448\u0435 \u0441\u043e\u043e\u0431\u0449\u0435\u043d\u0438\u0435. \u041e\u043d\u043e \u0443\u0441\u043f\u0435\u0448\u043d\u043e \u043e\u0442\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u043e.',validation_failed:'\u041f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u043e\u0442\u043c\u0435\u0447\u0435\u043d\u043d\u044b\u0435 \u043f\u043e\u043b\u044f \u0438 \u043f\u043e\u043f\u0440\u043e\u0431\u0443\u0439\u0442\u0435 \u0435\u0449\u0451 \u0440\u0430\u0437.',spam:'\u041d\u0435 \u0443\u0434\u0430\u043b\u043e\u0441\u044c \u043e\u0442\u043f\u0440\u0430\u0432\u0438\u0442\u044c \u0437\u0430\u044f\u0432\u043a\u0443. \u041f\u043e\u043f\u0440\u043e\u0431\u0443\u0439\u0442\u0435 \u043f\u043e\u0437\u0436\u0435.',mail_failed:'\u041d\u0435 \u0443\u0434\u0430\u043b\u043e\u0441\u044c \u043e\u0442\u043f\u0440\u0430\u0432\u0438\u0442\u044c \u0437\u0430\u044f\u0432\u043a\u0443. \u041f\u043e\u043f\u0440\u043e\u0431\u0443\u0439\u0442\u0435 \u043f\u043e\u0437\u0436\u0435.',aborted:'\u041d\u0435 \u0443\u0434\u0430\u043b\u043e\u0441\u044c \u043e\u0442\u043f\u0440\u0430\u0432\u0438\u0442\u044c \u0437\u0430\u044f\u0432\u043a\u0443. \u041f\u043e\u043f\u0440\u043e\u0431\u0443\u0439\u0442\u0435 \u043f\u043e\u0437\u0436\u0435.'},\n    en:{mail_sent:'Thanks for your message. It has been sent successfully.',validation_failed:'One or more fields contain errors. Please check and try again.',spam:'Your message could not be sent. Please try again later.',mail_failed:'Your message could not be sent. Please try again later.',aborted:'Your message could not be sent. Please try again later.'},\n    pt:{mail_sent:'Obrigado pela sua mensagem. Foi enviada com sucesso.',validation_failed:'Um ou mais campos cont\u00eam erros. Verifique-os e tente novamente.',spam:'N\u00e3o foi poss\u00edvel enviar a sua mensagem. Tente novamente mais tarde.',mail_failed:'N\u00e3o foi poss\u00edvel enviar a sua mensagem. Tente novamente mais tarde.',aborted:'N\u00e3o foi poss\u00edvel enviar a sua mensagem. Tente novamente mais tarde.'}\n  };\n  document.addEventListener('wpcf7submit',function(event){\n    var lang=(document.documentElement.lang||'').slice(0,2);\n    var root=event.target.closest('.arr-mortgage6 .wpcf7');\n    var localized=mortgageMessages[lang]&&mortgageMessages[lang][event.detail&&event.detail.status];\n    if(root&&localized){setTimeout(function(){\n      var output=root.querySelector('.wpcf7-response-output');\n      if(output)output.textContent=localized;\n      var reader=root.querySelector('.screen-reader-response p[role=\"status\"]');\n      if(reader)reader.textContent=localized;\n      root.querySelectorAll('.wpcf7-not-valid-tip').forEach(function(tip){\n        var wrap=tip.closest('.wpcf7-form-control-wrap');\n        var field=wrap&&wrap.getAttribute('data-name');\n        if(lang==='ru')tip.textContent=field==='your-email'?'\u0412\u0432\u0435\u0434\u0438\u0442\u0435 \u043a\u043e\u0440\u0440\u0435\u043a\u0442\u043d\u044b\u0439 Email.':field==='your-call'?'\u0412\u044b\u0431\u0435\u0440\u0438\u0442\u0435 \u0441\u043f\u043e\u0441\u043e\u0431 \u0441\u0432\u044f\u0437\u0438.':field==='your-phone'?'\u0412\u0432\u0435\u0434\u0438\u0442\u0435 \u043d\u043e\u043c\u0435\u0440 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430.':'\u0417\u0430\u043f\u043e\u043b\u043d\u0438\u0442\u0435 \u044d\u0442\u043e \u043f\u043e\u043b\u0435.';\n        if(lang==='en')tip.textContent=field==='your-email'?'Please enter a valid email address.':field==='your-call'?'Please choose a contact method.':'Please complete this field.';\n        if(lang==='pt')tip.textContent=field==='your-email'?'Introduza um endere\u00e7o de e-mail v\u00e1lido.':field==='your-call'?'Escolha uma forma de contacto.':'Preencha este campo.';\n      });\n      root.querySelectorAll('.screen-reader-response li').forEach(function(item){\n        var field=item.id.split('-ve-').pop();\n        if(lang==='ru')item.textContent=field==='your-email'?'\u0412\u0432\u0435\u0434\u0438\u0442\u0435 \u043a\u043e\u0440\u0440\u0435\u043a\u0442\u043d\u044b\u0439 Email.':field==='your-call'?'\u0412\u044b\u0431\u0435\u0440\u0438\u0442\u0435 \u0441\u043f\u043e\u0441\u043e\u0431 \u0441\u0432\u044f\u0437\u0438.':field==='your-phone'?'\u0412\u0432\u0435\u0434\u0438\u0442\u0435 \u043d\u043e\u043c\u0435\u0440 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430.':'\u0417\u0430\u043f\u043e\u043b\u043d\u0438\u0442\u0435 \u044d\u0442\u043e \u043f\u043e\u043b\u0435.';\n        if(lang==='en')item.textContent=field==='your-email'?'Please enter a valid email address.':field==='your-call'?'Please choose a contact method.':'Please complete this field.';\n        if(lang==='pt')item.textContent=field==='your-email'?'Introduza um endere\u00e7o de e-mail v\u00e1lido.':field==='your-call'?'Escolha uma forma de contacto.':'Preencha este campo.';\n      });\n    },0)}\n  });\n})();\n<\/script>\n<div class=\"arr-mortgage6\"><section class=\"hero\">\n    <img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2020\/04\/VarandaParallax_Desktop.jpg\" alt=\"\u0421\u0432\u0435\u0442\u043b\u0430\u044f \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0430 \u0441 \u0442\u0435\u0440\u0440\u0430\u0441\u043e\u0439 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438\" width=\"1600\" height=\"960\" fetchpriority=\"high\">\n    <div class=\"wrap\">\n      <p class=\"eyebrow\">\u0418\u041f\u041e\u0422\u0415\u041a\u0410 \u0412 \u041f\u041e\u0420\u0422\u0423\u0413\u0410\u041b\u0418\u0418<\/p>\n      <h1>\u041a\u0432\u0430\u0440\u0442\u0438\u0440\u0430 \u043c\u0435\u0447\u0442\u044b \u0431\u043b\u0438\u0436\u0435 \u0447\u0435\u043c \u043a\u0430\u0436\u0435\u0442\u0441\u044f<\/h1>\n      <p class=\"lead\">\u0421\u043e\u043f\u0440\u043e\u0432\u043e\u0436\u0434\u0430\u0435\u043c \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u0438\u0435 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0434\u043b\u044f \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432.<br>\u041e\u0434\u043d\u0430 \u0437\u0430\u044f\u0432\u043a\u0430 \u2014 \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0431\u0430\u043d\u043a\u043e\u0432-\u043f\u0430\u0440\u0442\u043d\u0451\u0440\u043e\u0432. \u0421\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u043d\u043e \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e.<\/p>\n      <div class=\"actions\"><a class=\"btn\" href=\"#arr-mortgage-apply\">\u041f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u044e<\/a><a class=\"btn ghost\" href=\"#arr-mortgage-process\">\u041a\u0430\u043a \u043f\u0440\u043e\u0445\u043e\u0434\u0438\u0442 \u043f\u0440\u043e\u0446\u0435\u0441\u0441<\/a><\/div>\n      <div class=\"hero-meta\"><span>\u0423\u0441\u043b\u0443\u0433\u0438 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430 \u2014 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0434\u043b\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u0430<\/span><span>\u0420\u0430\u0431\u043e\u0442\u0430\u0435\u043c \u0441 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0430\u043c\u0438<\/span><span>\u041f\u043e \u0432\u0441\u0435\u0439 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438<\/span><\/div>\n    <\/div>\n  <\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-230137c elementor-widget elementor-widget-html\" data-id=\"230137c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><aside class=\"license\"><div class=\"wrap\"><div><strong>Segredos Pr\u00f3speros, Unipessoal Lda<\/strong><span>\u0421\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a Banco de Portugal \u2116 0009825<\/span><\/div><a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\">\u041f\u0440\u043e\u0432\u0435\u0440\u0438\u0442\u044c \u0432 \u0440\u0435\u0435\u0441\u0442\u0440\u0435 \u2197<\/a><\/div><\/aside><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36a7657 elementor-widget elementor-widget-html\" data-id=\"36a7657\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\/* ARR mortgage facts: light cards on desktop, quiet rows on phones *\/\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows{background:#fff!important;padding:62px 0 58px}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows ol{display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:14px!important;margin:26px 0 0!important;padding:0!important;border:0!important;list-style:none!important}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows li{display:flex!important;flex-direction:column!important;align-items:flex-start!important;gap:0!important;min-width:0;min-height:150px!important;margin:0!important;padding:19px 21px!important;border:1px solid #dce5ec!important;border-radius:0!important;background:#fff!important;box-shadow:none!important;color:#344b59!important;list-style:none!important}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows li:last-child{grid-column:auto!important}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-value{display:block!important;min-width:0;margin:0!important;color:#1b4c9b!important;font:600 25px\/1.15 Roboto,Arial,sans-serif!important;letter-spacing:-.025em!important;white-space:nowrap}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-textual{font-size:21px!important;letter-spacing:-.015em!important}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-long{font-size:21px!important}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-copy{display:block;min-width:0;margin-top:11px;padding:0;border:0;color:#3b4b59;font:400 14.5px\/1.43 Roboto,Arial,sans-serif}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .fine{max-width:none;margin-top:22px}\nbody.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .fact-lang-en,body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .fact-lang-pt{display:none}\nhtml[lang^='en'] body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .fact-lang-ru,html[lang^='pt'] body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .fact-lang-ru{display:none}\nhtml[lang^='en'] body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .fact-lang-en,html[lang^='pt'] body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .fact-lang-pt{display:inline}\n@media(max-width:1100px) and (min-width:768px){body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows ol{grid-template-columns:repeat(2,minmax(0,1fr))!important}}\n@media(max-width:767px){body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows ol{display:block!important;grid-template-columns:none!important;gap:0!important;border-top:1px solid #dce5ec!important}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows li{display:grid!important;grid-template-columns:205px minmax(0,1fr)!important;align-items:center!important;gap:16px!important;min-height:64px!important;padding:13px 3px!important;border:0!important;border-bottom:1px solid #dce5ec!important;border-radius:0!important;background:transparent!important;box-shadow:none!important}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-value{font-size:21px!important}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-textual,body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-long{font-size:19px!important}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-copy{margin:0;padding-left:16px;border-left:1px solid #dce5ec;font-size:14px}}\n@media(max-width:600px){body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows{padding:52px 0 48px}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows ol{margin-top:22px!important}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows li{display:block!important;min-height:0!important;padding:14px 0!important;line-height:1.55!important}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-value{display:inline!important;margin:0 9px 0 0!important;font-size:19px!important;white-space:normal}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-textual,body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-long{font-size:18px!important}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-copy{display:inline;padding:0;border:0;font-size:14px;line-height:1.5}body.page-id-41928 .arr-mortgage6 .arr-keyfacts.arr-facts-rows .arr-keyfact-value:after{content:'\u00b7';margin-left:9px;color:#b5c4d3;font-weight:400}}\n<\/style>\n\n<div class=\"arr-mortgage6\"><section class=\"section arr-keyfacts arr-facts-rows\"><div class=\"wrap\"><p class=\"eyebrow\">\u0421\u041d\u0410\u0427\u0410\u041b\u0410 \u2014 \u0426\u0418\u0424\u0420\u042b<\/p><h2>\u0413\u043b\u0430\u0432\u043d\u043e\u0435 \u043e\u0431 \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 \u0432 2026<\/h2><ol>\n<li><b class=\"arr-keyfact-value arr-keyfact-textual\" aria-hidden=\"true\"><span class=\"fact-lang-ru\">\u0411\u0435\u0437 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0439<\/span><span class=\"fact-lang-en\" lang=\"en\">No restrictions<\/span><span class=\"fact-lang-pt\" lang=\"pt\">Sem restri\u00e7\u00f5es<\/span><\/b><span class=\"arr-keyfact-copy\">\u0412 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 \u043d\u0435\u0442 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0439 \u043d\u0430 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0434\u043b\u044f \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432.<\/span><\/li>\n<li><b class=\"arr-keyfact-value\" aria-hidden=\"true\">70\u201380%<\/b><span class=\"arr-keyfact-copy\">\u0420\u0430\u0437\u043c\u0435\u0440 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u043e\u0442 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u2013 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0430\u043c: 70\u201380%.<\/span><\/li>\n<li><b class=\"arr-keyfact-value\" aria-hidden=\"true\"><span class=\"arr-keyfact-local\">2,93%<\/span><span class=\"arr-keyfact-en\">2.93%<\/span><\/b><span class=\"arr-keyfact-copy\">\u0412 \u0438\u044e\u043d\u0435 2026 \u0433\u043e\u0434\u0430 \u0441\u0440\u0435\u0434\u043d\u044f\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u043f\u043e \u043d\u043e\u0432\u044b\u043c \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430\u043c \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u043b\u0430 2,93%.<\/span><\/li>\n<li><b class=\"arr-keyfact-value\" aria-hidden=\"true\"><span class=\"fact-lang-ru\">35\u201340 \u043b\u0435\u0442<\/span><span class=\"fact-lang-en\" lang=\"en\">35\u201340 years<\/span><span class=\"fact-lang-pt\" lang=\"pt\">35\u201340 anos<\/span><\/b><span class=\"arr-keyfact-copy\">\u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f 35-40 \u043b\u0435\u0442.<\/span><\/li>\n<li><b class=\"arr-keyfact-value\" aria-hidden=\"true\"><span class=\"fact-lang-ru\">75 \u043b\u0435\u0442<\/span><span class=\"fact-lang-en\" lang=\"en\">75 years<\/span><span class=\"fact-lang-pt\" lang=\"pt\">75 anos<\/span><\/b><span class=\"arr-keyfact-copy\">\u041c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430 \u043a \u043a\u043e\u043d\u0446\u0443 \u0441\u0440\u043e\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f 75 \u043b\u0435\u0442.<\/span><\/li>\n<li><b class=\"arr-keyfact-value\" aria-hidden=\"true\">45%<\/b><span class=\"arr-keyfact-copy\">\u041f\u043b\u0430\u0442\u0435\u0436\u0438 \u043f\u043e \u0432\u0441\u0435\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c \u043d\u0435 \u0434\u043e\u043b\u0436\u043d\u044b \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u0442\u044c 45% \u0447\u0438\u0441\u0442\u043e\u0433\u043e \u0434\u043e\u0445\u043e\u0434\u0430.<\/span><\/li>\n<li><b class=\"arr-keyfact-value arr-keyfact-long\" aria-hidden=\"true\"><span class=\"arr-keyfact-local\">\u20ac1 660 + 0,6%<\/span><span class=\"arr-keyfact-en\">\u20ac1,660 + 0.6%<\/span><\/b><span class=\"arr-keyfact-copy\">\u0414\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u0438 \u043d\u0430\u043b\u043e\u0433\u0438 \u20ac1 660 + 0,6% \u043e\u0442 \u0441\u0443\u043c\u043c\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u0430.<\/span><\/li>\n<li><b class=\"arr-keyfact-value arr-keyfact-textual\" aria-hidden=\"true\"><span class=\"fact-lang-ru\">\u0418\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u043e<\/span><span class=\"fact-lang-en\" lang=\"en\">Case by case<\/span><span class=\"fact-lang-pt\" lang=\"pt\">Caso a caso<\/span><\/b><span class=\"arr-keyfact-copy\">\u041c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0439 \u043e\u0441\u0442\u0430\u0442\u043e\u043a \u0434\u043e\u0445\u043e\u0434\u0430 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0435\u0442\u0441\u044f \u0431\u0430\u043d\u043a\u043e\u043c \u0438\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u043e.<\/span><\/li>\n<li><b class=\"arr-keyfact-value\" aria-hidden=\"true\"><span class=\"fact-lang-ru\">5\u201310 \u043d\u0435\u0434\u0435\u043b\u044c<\/span><span class=\"fact-lang-en\" lang=\"en\">5\u201310 weeks<\/span><span class=\"fact-lang-pt\" lang=\"pt\">5\u201310 semanas<\/span><\/b><span class=\"arr-keyfact-copy\">\u0421\u0440\u043e\u043a \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0438 5-10 \u043d\u0435\u0434\u0435\u043b\u044c \u0441 \u043c\u043e\u043c\u0435\u043d\u0442\u0430 \u043f\u043e\u0434\u0430\u0447\u0438 \u0437\u0430\u044f\u0432\u043a\u0438.<\/span><\/li>\n<\/ol><p class=\"fine\">\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u044b \u043d\u0430 2026 \u0433\u043e\u0434. \u0418\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f, \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u0437\u0430\u0432\u0438\u0441\u044f\u0442 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430, \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430 \u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430; \u043e\u043a\u043e\u043d\u0447\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u0446\u0438\u0444\u0440\u044b \u0443\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442\u0441\u044f \u0432 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0441\u0438\u043c\u0443\u043b\u044f\u0446\u0438\u0438 \u0438 FINE.<\/p><\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a07b74 elementor-widget elementor-widget-html\" data-id=\"3a07b74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-calc\" id=\"arr-calc\">\n  <div class=\"arr-calc-head\"><span class=\"arr-calc-kicker\">\u0412\u0410\u0428 \u041f\u0420\u0415\u0414\u0412\u0410\u0420\u0418\u0422\u0415\u041b\u042c\u041d\u042b\u0419 \u0420\u0410\u0421\u0427\u0401\u0422<\/span><h2>\u0420\u0430\u0441\u0441\u0447\u0438\u0442\u0430\u0439\u0442\u0435 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435<\/h2><p>\u041d\u0430\u0447\u043d\u0438\u0442\u0435 \u0441 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0433\u043e \u0431\u044e\u0434\u0436\u0435\u0442\u0430 \u0438\u043b\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u043f\u043b\u0430\u0442\u0451\u0436 \u043f\u043e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u043c\u0443 \u043e\u0431\u044a\u0435\u043a\u0442\u0443. \u0420\u0430\u0441\u0447\u0451\u0442 \u043f\u043e\u043a\u0430\u0436\u0435\u0442 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440; \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0431\u0430\u043d\u043a\u0430 \u0443\u0442\u043e\u0447\u043d\u0438\u043c \u043f\u043e \u0432\u0430\u0448\u0435\u0439 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438.<\/p><\/div>\n  <div class=\"arr-calc-box\">\n    <div class=\"arr-calc-tabs\" role=\"tablist\" aria-label=\"\u0420\u0435\u0436\u0438\u043c \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440\u0430\"><button type=\"button\" class=\"is-active\" data-mode=\"budget\" role=\"tab\" aria-selected=\"true\"><span class=\"arr-calc-tabnum\">01<\/span>\u0414\u043e\u0441\u0442\u0443\u043f\u043d\u044b\u0439 \u0431\u044e\u0434\u0436\u0435\u0442<\/button><button type=\"button\" data-mode=\"payment\" role=\"tab\" aria-selected=\"false\"><span class=\"arr-calc-tabnum\">02<\/span>\u041f\u043b\u0430\u0442\u0451\u0436 \u043f\u043e \u043e\u0431\u044a\u0435\u043a\u0442\u0443<\/button><\/div>\n    <div class=\"arr-calc-grid\">\n      <div class=\"arr-calc-fields\">\n        <div class=\"arr-calc-intro\" data-panel=\"payment\" hidden><h3>\u0421\u043a\u043e\u043b\u044c\u043a\u043e \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u0432 \u043c\u0435\u0441\u044f\u0446?<\/h3><p>\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0438 \u0441\u0443\u043c\u043c\u0443, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u0433\u043e\u0442\u043e\u0432\u044b \u0432\u043d\u0435\u0441\u0442\u0438 \u0441\u0430\u043c\u0438.<\/p><\/div>\n        <div class=\"arr-calc-intro\" data-panel=\"budget\"><h3>\u041d\u0430 \u043a\u0430\u043a\u0443\u044e \u043f\u043e\u043a\u0443\u043f\u043a\u0443 \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c?<\/h3><p>\u041e\u0446\u0435\u043d\u0438\u043c \u0431\u044e\u0434\u0436\u0435\u0442 \u043f\u043e \u0434\u043e\u0445\u043e\u0434\u0443, \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u044f\u043c \u0438 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u044b\u043c \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u0430\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430.<\/p><\/div>\n        <div data-panel=\"payment\" class=\"arr-calc-fieldset\" hidden><label>\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438, \u20ac<input id=\"arr-price\" type=\"number\" inputmode=\"decimal\" min=\"1\" step=\"1000\" value=\"350000\"><\/label><label>\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u20ac<input id=\"arr-down\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1000\" value=\"105000\"><\/label><\/div>\n        <div data-panel=\"budget\" class=\"arr-calc-fieldset\"><label>\u0427\u0438\u0441\u0442\u044b\u0439 \u0434\u043e\u0445\u043e\u0434 \u0441\u0435\u043c\u044c\u0438 \u0432 \u043c\u0435\u0441\u044f\u0446, \u20ac<input id=\"arr-income\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"100\" value=\"5000\"><\/label><label>\u0421\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430 \u043f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u20ac<input id=\"arr-savings\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1000\" value=\"100000\"><\/label><\/div>\n        <div class=\"arr-calc-common\"><label>\u0412\u043e\u0437\u0440\u0430\u0441\u0442 \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430<input id=\"arr-age\" type=\"number\" inputmode=\"numeric\" min=\"18\" max=\"74\" step=\"1\" value=\"40\"><\/label><\/div><details class=\"arr-calc-details\"><summary>\u041a\u0430\u043a \u043f\u043e\u0441\u0447\u0438\u0442\u0430\u043d\u043e <span aria-hidden=\"true\">+<\/span><\/summary><div class=\"arr-calc-details-body\"><p>\u0421\u0440\u043e\u043a \u043f\u043e \u0443\u043c\u043e\u043b\u0447\u0430\u043d\u0438\u044e \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u043e\u0442 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430: \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0435 \u043a 75 \u0433\u043e\u0434\u0430\u043c. \u0417\u0434\u0435\u0441\u044c \u043c\u043e\u0436\u043d\u043e \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c \u0441\u0440\u043e\u043a, \u0441\u0442\u0430\u0432\u043a\u0443 \u0438 \u0434\u0440\u0443\u0433\u0438\u0435 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u044f; \u044d\u0442\u043e \u043d\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0438\u043b\u0438 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u0430.<\/p><div class=\"arr-calc-settings\"><label>\u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u043b\u0435\u0442<small>\u0414\u043b\u044f \u0432\u0430\u0448\u0435\u0433\u043e \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u043d\u0435 \u0431\u043e\u043b\u0435\u0435 <span id=\"arr-max-years\">35 \u043b\u0435\u0442<\/span><\/small><input id=\"arr-years\" type=\"number\" inputmode=\"numeric\" min=\"1\" max=\"35\" step=\"1\" value=\"35\"><\/label><label>\u0413\u043e\u0434\u043e\u0432\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 TAN, %<small>3,5% \u2014 \u043f\u0440\u0438\u043c\u0435\u0440 \u0434\u043b\u044f \u0440\u0430\u0441\u0447\u0451\u0442\u0430<\/small><input id=\"arr-rate\" type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"25\" step=\"0.05\" value=\"3.5\"><\/label><label>\u0414\u043e\u043b\u044f \u0434\u043e\u0445\u043e\u0434\u0430 \u043d\u0430 \u0432\u0441\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b, %<small>\u0420\u0430\u0431\u043e\u0447\u0435\u0435 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u0435, \u043d\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f<\/small><input id=\"arr-ratio\" type=\"number\" inputmode=\"decimal\" min=\"1\" max=\"45\" step=\"1\" value=\"35\"><\/label><label>\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432 \u0446\u0435\u043d\u0435 \u043e\u0431\u044a\u0435\u043a\u0442\u0430, %<small>\u041f\u0440\u0435\u0434\u043f\u043e\u043b\u0430\u0433\u0430\u0435\u043c\u0430\u044f \u0434\u043e\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f<\/small><input id=\"arr-ltv\" type=\"number\" inputmode=\"decimal\" min=\"1\" max=\"90\" step=\"1\" value=\"75\"><\/label><\/div><p class=\"arr-calc-details-note\">\u0420\u0430\u0441\u0447\u0451\u0442 \u0442\u0430\u043a\u0436\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0438\u0432\u0430\u0435\u0442 \u0441\u0440\u043e\u043a \u043a\u043e\u043d\u0441\u0435\u0440\u0432\u0430\u0442\u0438\u0432\u043d\u044b\u043c \u043f\u0440\u0435\u0434\u0435\u043b\u043e\u043c 40 \/ 37 \/ 35 \u043b\u0435\u0442 \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u0438 \u043f\u0440\u0435\u0434\u043f\u043e\u043b\u0430\u0433\u0430\u0435\u0442 \u043e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u0434\u0440\u0443\u0433\u0438\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439. \u0411\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0438\u0442\u044c \u0431\u043e\u043b\u0435\u0435 \u043a\u043e\u0440\u043e\u0442\u043a\u0438\u0439 \u0441\u0440\u043e\u043a; \u043e\u0446\u0435\u043d\u043a\u0430 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0438 \u043f\u0440\u043e\u0444\u0438\u043b\u044c \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430 \u0442\u043e\u0436\u0435 \u0432\u043b\u0438\u044f\u044e\u0442 \u043d\u0430 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442.<\/p><\/div><\/details>\n      <\/div>\n      <div class=\"arr-calc-results\" aria-live=\"polite\"><span class=\"arr-calc-eyebrow\" id=\"arr-result-label\">\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0431\u044e\u0434\u0436\u0435\u0442\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438<\/span><strong class=\"arr-calc-main\" id=\"arr-result-main\">\u2014<\/strong><span class=\"arr-calc-unit\" id=\"arr-result-unit\">\u0432 \u043c\u0435\u0441\u044f\u0446<\/span><div class=\"arr-calc-result-list\"><div><span id=\"arr-detail-1-label\">\u0421\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/span><b id=\"arr-detail-1\">\u2014<\/b><\/div><div><span id=\"arr-detail-2-label\">\u0421\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430<\/span><b id=\"arr-detail-2\">\u2014<\/b><\/div><div><span id=\"arr-detail-3-label\">\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432 \u0446\u0435\u043d\u0435<\/span><b id=\"arr-detail-3\">\u2014<\/b><\/div><\/div><p class=\"arr-calc-message\" id=\"arr-message\"><\/p><a href=\"\/mortgage\/#arr-mortgage-budget\" class=\"arr-calc-link\">\u041e\u0411\u0421\u0423\u0414\u0418\u0422\u042c \u0420\u0410\u0421\u0427\u0401\u0422 \u0421 ARR <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div>\n    <\/div>\n    <p class=\"arr-calc-disclaimer\">\u0420\u0430\u0441\u0447\u0451\u0442 \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0438 \u043d\u0435 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435\u043c \u0438\u043b\u0438 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435\u043c. \u0421\u0442\u0430\u0432\u043a\u0430, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0430, \u0434\u043e\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0438 \u0441\u0440\u043e\u043a \u2014 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u044f, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0436\u043d\u043e \u043f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0438 \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c \u0432 \u0431\u043b\u043e\u043a\u0435 \u00ab\u041a\u0430\u043a \u043f\u043e\u0441\u0447\u0438\u0442\u0430\u043d\u043e\u00bb. \u0417\u0434\u0435\u0441\u044c \u043d\u0435 \u0432\u043a\u043b\u044e\u0447\u0435\u043d\u044b \u043d\u0430\u043b\u043e\u0433\u0438 \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0435, \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0438; \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u0437\u0430\u0432\u0438\u0441\u044f\u0442 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430, \u043e\u0446\u0435\u043d\u043a\u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0438 \u043f\u0440\u043e\u0444\u0438\u043b\u044f \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432.<\/p>\n  <\/div>\n<\/div>\n<style>\n.arr-calc{--navy:#173248;--blue:#24518d;--ink:#24313d;--muted:#5d6973;--line:#d8e0e3;max-width:1120px;margin:0 auto;padding:76px 0 84px;font:400 16px\/1.55 Roboto,Arial,sans-serif;color:var(--ink)}\n.arr-calc *{box-sizing:border-box}.arr-calc-head{max-width:780px;margin:0 0 34px}.arr-calc-kicker{display:block;color:var(--blue);font-size:13px;font-weight:700;letter-spacing:.13em;line-height:1.3;margin:0 0 25px}.arr-calc-kicker:after{content:\"\";display:block;width:40px;border-bottom:1px solid #cdd9e2;margin-top:16px}.arr-calc h2,.arr-calc h3{font-family:Roboto,Arial,sans-serif;color:var(--ink);letter-spacing:-.018em}.arr-calc h2{font-size:clamp(29px,3vw,36px);line-height:1.24;font-weight:600;margin:0 0 18px}.arr-calc-head p{font-size:16px;line-height:1.65;color:var(--muted);margin:0}.arr-calc-box{background:#fff;border:1px solid var(--line);box-shadow:none;border-radius:0;overflow:hidden}.arr-calc-tabs{display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid var(--line);background:#f8f8f5;padding:0 36px}.arr-calc-tabs button{appearance:none;display:flex;align-items:center;gap:16px;text-align:left;border:0;border-bottom:2px solid transparent;margin-bottom:-1px;background:transparent;color:#61707c;font:600 17px\/1.35 Roboto,Arial,sans-serif;padding:24px 12px 22px;cursor:pointer}.arr-calc-tabs button.is-active{color:var(--blue);border-color:var(--blue)}.arr-calc-tabnum{font-size:12px;font-weight:700;letter-spacing:.08em;opacity:.72}.arr-calc-tabs button:focus-visible,.arr-calc-link:focus-visible{outline:2px solid #457bc3;outline-offset:2px}.arr-calc input:focus-visible{outline:none;box-shadow:none}.arr-calc-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(320px,.88fr)}.arr-calc-fields{padding:38px 40px 44px}.arr-calc-intro h3{font-size:24px;line-height:1.3;font-weight:600;margin:0 0 8px}.arr-calc-intro p{font-size:15px;line-height:1.55;color:var(--muted);margin:0 0 28px}.arr-calc-fieldset,.arr-calc-common{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:24px;row-gap:22px}.arr-calc-common{border-top:1px solid var(--line);margin-top:28px;padding-top:22px}.arr-calc label{display:block;font-size:13px;line-height:1.35;font-weight:600;color:var(--ink)}.arr-calc label small{display:block;color:#78848e;font-size:11px;font-weight:400;line-height:1.35;margin-top:3px;min-height:28px}.arr-calc input{display:block;width:100%;height:42px!important;margin:4px 0 0!important;padding:8px 0 6px!important;background:transparent!important;color:var(--ink)!important;border:0!important;border-bottom:1px solid #a9b9c3!important;border-radius:0!important;box-shadow:none!important;font:400 17px Roboto,Arial,sans-serif!important}.arr-calc input:focus{border-bottom-color:var(--blue)!important}.arr-calc-results{background:var(--navy);color:#fff;display:flex;flex-direction:column;align-items:flex-start;padding:42px 42px 40px;min-height:450px}.arr-calc-eyebrow{font-size:12px;font-weight:700;line-height:1.4;letter-spacing:.12em;text-transform:uppercase;color:#c3d2df}.arr-calc-main{display:block;margin:19px 0 0;color:#fff;font:600 clamp(40px,4.5vw,54px)\/1.12 Roboto,Arial,sans-serif;letter-spacing:-.025em;word-break:break-word}.arr-calc-unit{font-size:14px;color:#d4dee7;margin:7px 0 32px}.arr-calc-result-list{width:100%;border-top:1px solid rgba(255,255,255,.24)}.arr-calc-result-list div{display:flex;justify-content:space-between;gap:14px;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.24);font-size:14px;line-height:1.35}.arr-calc-result-list span{color:#d6e1e9}.arr-calc-result-list b{font-weight:600;color:#fff;text-align:right;white-space:nowrap}.arr-calc-message{font-size:12px;line-height:1.5;color:#ffdfb3;min-height:18px;margin:14px 0 0}.arr-calc-link{display:inline-flex;align-items:center;justify-content:space-between;gap:16px;margin-top:auto;padding:14px 17px;min-height:48px;background:#fff;color:var(--navy)!important;font:700 12px\/1.2 Roboto,Arial,sans-serif;letter-spacing:.04em;text-decoration:none!important;border:1px solid #fff}.arr-calc-link:hover{background:#e7eef5}.arr-calc-disclaimer{border-top:1px solid var(--line);background:#f8f8f5;padding:20px 36px 22px;margin:0;color:#68757f;font-size:12px;line-height:1.6}.arr-calc [hidden]{display:none!important}\n@media(max-width:900px){.arr-calc{padding:58px 18px 66px}.arr-calc-grid{grid-template-columns:1fr}.arr-calc-results{min-height:0}.arr-calc-link{margin-top:22px}}\n@media(max-width:600px){.arr-calc{padding:48px 15px 58px}.arr-calc-head{margin-bottom:26px}.arr-calc-kicker{font-size:11px;margin-bottom:19px}.arr-calc-kicker:after{margin-top:12px}.arr-calc h2{font-size:29px}.arr-calc-head p{font-size:15px}.arr-calc-tabs{padding:0 14px}.arr-calc-tabs button{gap:7px;align-items:flex-start;flex-direction:column;font-size:13px;min-height:73px;padding:14px 8px 13px}.arr-calc-tabnum{font-size:10px}.arr-calc-fields{padding:27px 22px 31px}.arr-calc-intro h3{font-size:21px}.arr-calc-intro p{font-size:14px;margin-bottom:23px}.arr-calc-fieldset,.arr-calc-common{grid-template-columns:1fr;row-gap:18px}.arr-calc-common{margin-top:23px;padding-top:20px}.arr-calc label small{min-height:0}.arr-calc-results{padding:30px 22px 32px}.arr-calc-main{font-size:42px}.arr-calc-unit{margin-bottom:24px}.arr-calc-disclaimer{padding:18px 22px}}\n\n.arr-calc-details{border-top:1px solid var(--line);margin-top:25px;padding-top:15px}.arr-calc-details summary{display:flex;align-items:center;justify-content:space-between;gap:12px;cursor:pointer;list-style:none;color:var(--blue);font-size:13px;font-weight:700;letter-spacing:.01em}.arr-calc-details summary::-webkit-details-marker{display:none}.arr-calc-details summary span{font-size:20px;font-weight:400;line-height:1}.arr-calc-details[open] summary span{transform:rotate(45deg)}.arr-calc-details-body{padding-top:17px}.arr-calc-details-body p{font-size:12px;line-height:1.55;color:var(--muted);margin:0 0 16px}.arr-calc-settings{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:19px 24px}.arr-calc-details-body .arr-calc-details-note{margin:19px 0 0;font-size:11px;color:#78848e}\n@media(max-width:600px){.arr-calc-common{align-items:start}.arr-calc-settings{grid-template-columns:1fr;gap:18px}.arr-calc-fieldset label:last-child{grid-column:auto}}\n\n.arr-calc{padding:48px 0 54px}.arr-calc-head{margin-bottom:24px}.arr-calc-tabs{padding:0 28px}.arr-calc-tabs button{padding:16px 12px 15px}.arr-calc-fields{padding:28px 34px 30px}.arr-calc-intro p{margin-bottom:20px}.arr-calc-common{display:block;max-width:calc(50% - 12px);border:0;margin-top:14px;padding:0}.arr-calc-details{margin-top:18px;padding-top:12px}.arr-calc-results{padding:32px 34px;min-height:0}.arr-calc-main{margin-top:12px}.arr-calc-unit{margin-bottom:20px}.arr-calc-result-list div{padding:12px 0}.arr-calc-link{margin-top:24px}\n@media(max-width:900px){.arr-calc{padding:48px 18px 54px}}\n@media(max-width:600px){.arr-calc{padding:38px 15px 46px}.arr-calc-tabs{padding:0 12px}.arr-calc-tabs button{min-height:62px;padding:12px 8px}.arr-calc-fields{padding:22px 20px 24px}.arr-calc-common{max-width:none;margin-top:14px}.arr-calc-results{padding:26px 20px 28px}.arr-calc-intro p{margin-bottom:18px}}\n<\/style>\n<script>\n(function(){\n  const root=document.getElementById('arr-calc');\n  if(!root)return;\n  const locale=\/^pt\/i.test(document.documentElement.lang)?'pt':\/^en\/i.test(document.documentElement.lang)?'en':'ru';\n  const translations={\"en\":{\"\u0412\u0410\u0428 \u041f\u0420\u0415\u0414\u0412\u0410\u0420\u0418\u0422\u0415\u041b\u042c\u041d\u042b\u0419 \u0420\u0410\u0421\u0427\u0401\u0422\":\"YOUR PRELIMINARY ESTIMATE\",\"\u0420\u0430\u0441\u0441\u0447\u0438\u0442\u0430\u0439\u0442\u0435 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435\":\"Estimate your mortgage\",\"\u041d\u0430\u0447\u043d\u0438\u0442\u0435 \u0441 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0433\u043e \u0431\u044e\u0434\u0436\u0435\u0442\u0430 \u0438\u043b\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u043f\u043b\u0430\u0442\u0451\u0436 \u043f\u043e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u043c\u0443 \u043e\u0431\u044a\u0435\u043a\u0442\u0443. \u0420\u0430\u0441\u0447\u0451\u0442 \u043f\u043e\u043a\u0430\u0436\u0435\u0442 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440; \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0431\u0430\u043d\u043a\u0430 \u0443\u0442\u043e\u0447\u043d\u0438\u043c \u043f\u043e \u0432\u0430\u0448\u0435\u0439 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438.\":\"Start with your available budget or estimate the payment for a specific property. These are indicative figures; we will confirm bank terms for your situation.\",\"\u0414\u043e\u0441\u0442\u0443\u043f\u043d\u044b\u0439 \u0431\u044e\u0434\u0436\u0435\u0442\":\"Available budget\",\"\u041f\u043b\u0430\u0442\u0451\u0436 \u043f\u043e \u043e\u0431\u044a\u0435\u043a\u0442\u0443\":\"Payment for a property\",\"\u0421\u043a\u043e\u043b\u044c\u043a\u043e \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u0432 \u043c\u0435\u0441\u044f\u0446?\":\"How much per month?\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0438 \u0441\u0443\u043c\u043c\u0443, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u0433\u043e\u0442\u043e\u0432\u044b \u0432\u043d\u0435\u0441\u0442\u0438 \u0441\u0430\u043c\u0438.\":\"Enter the property price and the amount you can contribute.\",\"\u041d\u0430 \u043a\u0430\u043a\u0443\u044e \u043f\u043e\u043a\u0443\u043f\u043a\u0443 \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c?\":\"What purchase price could you consider?\",\"\u041e\u0446\u0435\u043d\u0438\u043c \u0431\u044e\u0434\u0436\u0435\u0442 \u043f\u043e \u0434\u043e\u0445\u043e\u0434\u0443, \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u044f\u043c \u0438 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u044b\u043c \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u0430\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430.\":\"Estimate your budget from income, savings and the selected loan assumptions.\",\"\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438, \u20ac\":\"Property price, \u20ac\",\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u20ac\":\"Down payment, \u20ac\",\"\u0427\u0438\u0441\u0442\u044b\u0439 \u0434\u043e\u0445\u043e\u0434 \u0441\u0435\u043c\u044c\u0438 \u0432 \u043c\u0435\u0441\u044f\u0446, \u20ac\":\"Household net monthly income, \u20ac\",\"\u0421\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430 \u043f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u20ac\":\"Funds available for the down payment, \u20ac\",\"\u0412\u043e\u0437\u0440\u0430\u0441\u0442 \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430\":\"Age of the older borrower\",\"\u041a\u0430\u043a \u043f\u043e\u0441\u0447\u0438\u0442\u0430\u043d\u043e\":\"How it is calculated\",\"\u0421\u0440\u043e\u043a \u043f\u043e \u0443\u043c\u043e\u043b\u0447\u0430\u043d\u0438\u044e \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u043e\u0442 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430: \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0435 \u043a 75 \u0433\u043e\u0434\u0430\u043c. \u0417\u0434\u0435\u0441\u044c \u043c\u043e\u0436\u043d\u043e \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c \u0441\u0440\u043e\u043a, \u0441\u0442\u0430\u0432\u043a\u0443 \u0438 \u0434\u0440\u0443\u0433\u0438\u0435 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u044f; \u044d\u0442\u043e \u043d\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0438\u043b\u0438 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u0430.\":\"The default term depends on the older borrower\u2019s age and assumes repayment by age 75. You can change the term, rate and other assumptions here; these are not bank terms or approval.\",\"\u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u043b\u0435\u0442\":\"Loan term, years\",\"\u0414\u043b\u044f \u0432\u0430\u0448\u0435\u0433\u043e \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u043d\u0435 \u0431\u043e\u043b\u0435\u0435\":\"For your age, the indicative maximum is\",\"35 \u043b\u0435\u0442\":\"35 years\",\"\u0413\u043e\u0434\u043e\u0432\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 TAN, %\":\"Annual interest rate (TAN), %\",\"3,5% \u2014 \u043f\u0440\u0438\u043c\u0435\u0440 \u0434\u043b\u044f \u0440\u0430\u0441\u0447\u0451\u0442\u0430\":\"3.5% is an example for calculation\",\"\u0414\u043e\u043b\u044f \u0434\u043e\u0445\u043e\u0434\u0430 \u043d\u0430 \u0432\u0441\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b, %\":\"Share of income for all loans, %\",\"\u0420\u0430\u0431\u043e\u0447\u0435\u0435 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u0435, \u043d\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f\":\"A working assumption, not an approval rule\",\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432 \u0446\u0435\u043d\u0435 \u043e\u0431\u044a\u0435\u043a\u0442\u0430, %\":\"Loan-to-value ratio, %\",\"\u041f\u0440\u0435\u0434\u043f\u043e\u043b\u0430\u0433\u0430\u0435\u043c\u0430\u044f \u0434\u043e\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f\":\"Assumed financing ratio\",\"\u0420\u0430\u0441\u0447\u0451\u0442 \u0442\u0430\u043a\u0436\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0438\u0432\u0430\u0435\u0442 \u0441\u0440\u043e\u043a \u043a\u043e\u043d\u0441\u0435\u0440\u0432\u0430\u0442\u0438\u0432\u043d\u044b\u043c \u043f\u0440\u0435\u0434\u0435\u043b\u043e\u043c 40 \/ 37 \/ 35 \u043b\u0435\u0442 \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u0438 \u043f\u0440\u0435\u0434\u043f\u043e\u043b\u0430\u0433\u0430\u0435\u0442 \u043e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u0434\u0440\u0443\u0433\u0438\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439. \u0411\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0438\u0442\u044c \u0431\u043e\u043b\u0435\u0435 \u043a\u043e\u0440\u043e\u0442\u043a\u0438\u0439 \u0441\u0440\u043e\u043a; \u043e\u0446\u0435\u043d\u043a\u0430 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0438 \u043f\u0440\u043e\u0444\u0438\u043b\u044c \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430 \u0442\u043e\u0436\u0435 \u0432\u043b\u0438\u044f\u044e\u0442 \u043d\u0430 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442.\":\"The estimate also applies a conservative 40 \/ 37 \/ 35-year limit depending on age and assumes no other loan payments. A bank may set a shorter term; the property valuation and borrower profile also affect the result.\",\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0431\u044e\u0434\u0436\u0435\u0442\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438\":\"Indicative purchase budget\",\"\u0432 \u043c\u0435\u0441\u044f\u0446\":\"per month\",\"\u0421\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430\":\"Loan amount\",\"\u0421\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430\":\"Your funds\",\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432 \u0446\u0435\u043d\u0435\":\"Loan-to-value ratio\",\"\u041e\u0411\u0421\u0423\u0414\u0418\u0422\u042c \u0420\u0410\u0421\u0427\u0401\u0422 \u0421 ARR\":\"DISCUSS YOUR ESTIMATE WITH ARR\",\"\u0420\u0430\u0441\u0447\u0451\u0442 \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0438 \u043d\u0435 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435\u043c \u0438\u043b\u0438 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435\u043c. \u0421\u0442\u0430\u0432\u043a\u0430, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0430, \u0434\u043e\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0438 \u0441\u0440\u043e\u043a \u2014 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u044f, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0436\u043d\u043e \u043f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0438 \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c \u0432 \u0431\u043b\u043e\u043a\u0435 \u00ab\u041a\u0430\u043a \u043f\u043e\u0441\u0447\u0438\u0442\u0430\u043d\u043e\u00bb. \u0417\u0434\u0435\u0441\u044c \u043d\u0435 \u0432\u043a\u043b\u044e\u0447\u0435\u043d\u044b \u043d\u0430\u043b\u043e\u0433\u0438 \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0435, \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0438; \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u0437\u0430\u0432\u0438\u0441\u044f\u0442 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430, \u043e\u0446\u0435\u043d\u043a\u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0438 \u043f\u0440\u043e\u0444\u0438\u043b\u044f \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432.\":\"This preliminary estimate is not a bank offer or approval. The rate, debt-service ratio, loan-to-value ratio and term are assumptions you can review and change under \u201cHow it is calculated\u201d. Purchase taxes, fees and insurance are excluded. Actual credit costs and the available amount depend on the bank, property valuation and borrower profile.\",\"\u0420\u0435\u0436\u0438\u043c \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440\u0430\":\"Calculator mode\",\"\u043b\u0435\u0442\":\"years\",\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 \u0431\u043e\u043b\u044c\u0448\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u2014 \u043f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u0441\u0443\u043c\u043c\u0443.\":\"The down payment exceeds the property price. Please check the amount.\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438.\":\"Enter the property price.\",\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432\u044b\u0448\u0435 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0433\u043e \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f; \u0431\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0437\u0430\u043f\u0440\u043e\u0441\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0438\u0439 \u0432\u0437\u043d\u043e\u0441.\":\"The loan-to-value ratio exceeds the selected assumption; the bank may require a larger down payment.\",\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430\":\"Indicative monthly payment\",\"\u0432 \u043c\u0435\u0441\u044f\u0446 \u00b7 \u0442\u043e\u043b\u044c\u043a\u043e \u0442\u0435\u043b\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b\":\"per month \u00b7 principal and interest only\",\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0441\u0443\u043c\u043c\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u0430\":\"Indicative loan amount\",\"\u0420\u0430\u0441\u0447\u0451\u0442\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0451\u0436 \u0432 \u043c\u0435\u0441\u044f\u0446\":\"Estimated monthly payment\",\"\u0431\u0435\u0437 \u043d\u0430\u043b\u043e\u0433\u043e\u0432 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432 \u043d\u0430 \u0441\u0434\u0435\u043b\u043a\u0443\":\"excluding purchase taxes and transaction costs\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0447\u0438\u0441\u0442\u044b\u0439 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u0434\u043e\u0445\u043e\u0434.\":\"Enter your net monthly income.\",\"\u0414\u043b\u044f \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0439 \u0434\u043e\u043b\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0443\u0436\u043d\u044b \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430 \u043f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441.\":\"The selected financing ratio requires funds for a down payment.\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u043e\u0442 18 \u0434\u043e 74 \u043b\u0435\u0442; \u0441 75 \u043b\u0435\u0442 \u043d\u0443\u0436\u0435\u043d \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0440\u0430\u0441\u0447\u0451\u0442.\":\"Enter an age from 18 to 74; from age 75, a personal assessment is needed.\",\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441\":\"Down payment\",\" \u043b\u0435\u0442\":\" years\"},\"pt\":{\"\u0412\u0410\u0428 \u041f\u0420\u0415\u0414\u0412\u0410\u0420\u0418\u0422\u0415\u041b\u042c\u041d\u042b\u0419 \u0420\u0410\u0421\u0427\u0401\u0422\":\"A SUA ESTIMATIVA PRELIMINAR\",\"\u0420\u0430\u0441\u0441\u0447\u0438\u0442\u0430\u0439\u0442\u0435 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435\":\"Estime o seu cr\u00e9dito habita\u00e7\u00e3o\",\"\u041d\u0430\u0447\u043d\u0438\u0442\u0435 \u0441 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0433\u043e \u0431\u044e\u0434\u0436\u0435\u0442\u0430 \u0438\u043b\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u043f\u043b\u0430\u0442\u0451\u0436 \u043f\u043e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u043c\u0443 \u043e\u0431\u044a\u0435\u043a\u0442\u0443. \u0420\u0430\u0441\u0447\u0451\u0442 \u043f\u043e\u043a\u0430\u0436\u0435\u0442 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440; \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0431\u0430\u043d\u043a\u0430 \u0443\u0442\u043e\u0447\u043d\u0438\u043c \u043f\u043e \u0432\u0430\u0448\u0435\u0439 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438.\":\"Comece pelo or\u00e7amento dispon\u00edvel ou estime a presta\u00e7\u00e3o para um im\u00f3vel espec\u00edfico. Estes valores s\u00e3o indicativos; confirmaremos as condi\u00e7\u00f5es banc\u00e1rias para o seu caso.\",\"\u0414\u043e\u0441\u0442\u0443\u043f\u043d\u044b\u0439 \u0431\u044e\u0434\u0436\u0435\u0442\":\"Or\u00e7amento dispon\u00edvel\",\"\u041f\u043b\u0430\u0442\u0451\u0436 \u043f\u043e \u043e\u0431\u044a\u0435\u043a\u0442\u0443\":\"Presta\u00e7\u00e3o para o im\u00f3vel\",\"\u0421\u043a\u043e\u043b\u044c\u043a\u043e \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u0432 \u043c\u0435\u0441\u044f\u0446?\":\"Qual ser\u00e1 a presta\u00e7\u00e3o mensal?\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0438 \u0441\u0443\u043c\u043c\u0443, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u0433\u043e\u0442\u043e\u0432\u044b \u0432\u043d\u0435\u0441\u0442\u0438 \u0441\u0430\u043c\u0438.\":\"Indique o pre\u00e7o do im\u00f3vel e o montante que pode dar de entrada.\",\"\u041d\u0430 \u043a\u0430\u043a\u0443\u044e \u043f\u043e\u043a\u0443\u043f\u043a\u0443 \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c?\":\"Qual o pre\u00e7o de compra poss\u00edvel?\",\"\u041e\u0446\u0435\u043d\u0438\u043c \u0431\u044e\u0434\u0436\u0435\u0442 \u043f\u043e \u0434\u043e\u0445\u043e\u0434\u0443, \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u044f\u043c \u0438 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u044b\u043c \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u0430\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430.\":\"Estime o or\u00e7amento com base nos rendimentos, poupan\u00e7as e pressupostos do cr\u00e9dito.\",\"\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438, \u20ac\":\"Pre\u00e7o do im\u00f3vel, \u20ac\",\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u20ac\":\"Entrada inicial, \u20ac\",\"\u0427\u0438\u0441\u0442\u044b\u0439 \u0434\u043e\u0445\u043e\u0434 \u0441\u0435\u043c\u044c\u0438 \u0432 \u043c\u0435\u0441\u044f\u0446, \u20ac\":\"Rendimento l\u00edquido mensal do agregado, \u20ac\",\"\u0421\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430 \u043f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u20ac\":\"Capitais dispon\u00edveis para a entrada, \u20ac\",\"\u0412\u043e\u0437\u0440\u0430\u0441\u0442 \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430\":\"Idade do mutu\u00e1rio mais velho\",\"\u041a\u0430\u043a \u043f\u043e\u0441\u0447\u0438\u0442\u0430\u043d\u043e\":\"Como \u00e9 calculado\",\"\u0421\u0440\u043e\u043a \u043f\u043e \u0443\u043c\u043e\u043b\u0447\u0430\u043d\u0438\u044e \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u043e\u0442 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430: \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0435 \u043a 75 \u0433\u043e\u0434\u0430\u043c. \u0417\u0434\u0435\u0441\u044c \u043c\u043e\u0436\u043d\u043e \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c \u0441\u0440\u043e\u043a, \u0441\u0442\u0430\u0432\u043a\u0443 \u0438 \u0434\u0440\u0443\u0433\u0438\u0435 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u044f; \u044d\u0442\u043e \u043d\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0438\u043b\u0438 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u0430.\":\"O prazo inicial depende da idade do mutu\u00e1rio mais velho e pressup\u00f5e o reembolso at\u00e9 aos 75 anos. Pode alterar aqui o prazo, a taxa e outros pressupostos; n\u00e3o s\u00e3o condi\u00e7\u00f5es nem aprova\u00e7\u00e3o do banco.\",\"\u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u043b\u0435\u0442\":\"Prazo do cr\u00e9dito, anos\",\"\u0414\u043b\u044f \u0432\u0430\u0448\u0435\u0433\u043e \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u043d\u0435 \u0431\u043e\u043b\u0435\u0435\":\"Para a sua idade, o m\u00e1ximo indicativo \u00e9\",\"35 \u043b\u0435\u0442\":\"35 anos\",\"\u0413\u043e\u0434\u043e\u0432\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 TAN, %\":\"Taxa de juro anual (TAN), %\",\"3,5% \u2014 \u043f\u0440\u0438\u043c\u0435\u0440 \u0434\u043b\u044f \u0440\u0430\u0441\u0447\u0451\u0442\u0430\":\"3,5% \u00e9 um exemplo para o c\u00e1lculo\",\"\u0414\u043e\u043b\u044f \u0434\u043e\u0445\u043e\u0434\u0430 \u043d\u0430 \u0432\u0441\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b, %\":\"Percentagem do rendimento para todos os cr\u00e9ditos, %\",\"\u0420\u0430\u0431\u043e\u0447\u0435\u0435 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u0435, \u043d\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f\":\"Pressuposto de c\u00e1lculo, n\u00e3o uma regra de aprova\u00e7\u00e3o\",\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432 \u0446\u0435\u043d\u0435 \u043e\u0431\u044a\u0435\u043a\u0442\u0430, %\":\"R\u00e1cio financiamento\/valor do im\u00f3vel, %\",\"\u041f\u0440\u0435\u0434\u043f\u043e\u043b\u0430\u0433\u0430\u0435\u043c\u0430\u044f \u0434\u043e\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f\":\"Percentagem de financiamento assumida\",\"\u0420\u0430\u0441\u0447\u0451\u0442 \u0442\u0430\u043a\u0436\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0438\u0432\u0430\u0435\u0442 \u0441\u0440\u043e\u043a \u043a\u043e\u043d\u0441\u0435\u0440\u0432\u0430\u0442\u0438\u0432\u043d\u044b\u043c \u043f\u0440\u0435\u0434\u0435\u043b\u043e\u043c 40 \/ 37 \/ 35 \u043b\u0435\u0442 \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u0438 \u043f\u0440\u0435\u0434\u043f\u043e\u043b\u0430\u0433\u0430\u0435\u0442 \u043e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u0434\u0440\u0443\u0433\u0438\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439. \u0411\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0438\u0442\u044c \u0431\u043e\u043b\u0435\u0435 \u043a\u043e\u0440\u043e\u0442\u043a\u0438\u0439 \u0441\u0440\u043e\u043a; \u043e\u0446\u0435\u043d\u043a\u0430 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0438 \u043f\u0440\u043e\u0444\u0438\u043b\u044c \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430 \u0442\u043e\u0436\u0435 \u0432\u043b\u0438\u044f\u044e\u0442 \u043d\u0430 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442.\":\"A estimativa aplica ainda um limite conservador de 40 \/ 37 \/ 35 anos consoante a idade e pressup\u00f5e a aus\u00eancia de outras presta\u00e7\u00f5es de cr\u00e9dito. O banco pode definir um prazo inferior; a avalia\u00e7\u00e3o do im\u00f3vel e o perfil dos mutu\u00e1rios tamb\u00e9m influenciam o resultado.\",\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0431\u044e\u0434\u0436\u0435\u0442\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438\":\"Or\u00e7amento de compra indicativo\",\"\u0432 \u043c\u0435\u0441\u044f\u0446\":\"por m\u00eas\",\"\u0421\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430\":\"Montante do cr\u00e9dito\",\"\u0421\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430\":\"Capitais pr\u00f3prios\",\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432 \u0446\u0435\u043d\u0435\":\"R\u00e1cio financiamento\/valor\",\"\u041e\u0411\u0421\u0423\u0414\u0418\u0422\u042c \u0420\u0410\u0421\u0427\u0401\u0422 \u0421 ARR\":\"FALAR SOBRE A ESTIMATIVA COM A ARR\",\"\u0420\u0430\u0441\u0447\u0451\u0442 \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0438 \u043d\u0435 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435\u043c \u0438\u043b\u0438 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435\u043c. \u0421\u0442\u0430\u0432\u043a\u0430, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0430, \u0434\u043e\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0438 \u0441\u0440\u043e\u043a \u2014 \u0434\u043e\u043f\u0443\u0449\u0435\u043d\u0438\u044f, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0436\u043d\u043e \u043f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0438 \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c \u0432 \u0431\u043b\u043e\u043a\u0435 \u00ab\u041a\u0430\u043a \u043f\u043e\u0441\u0447\u0438\u0442\u0430\u043d\u043e\u00bb. \u0417\u0434\u0435\u0441\u044c \u043d\u0435 \u0432\u043a\u043b\u044e\u0447\u0435\u043d\u044b \u043d\u0430\u043b\u043e\u0433\u0438 \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0435, \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0438; \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u0437\u0430\u0432\u0438\u0441\u044f\u0442 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430, \u043e\u0446\u0435\u043d\u043a\u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0438 \u043f\u0440\u043e\u0444\u0438\u043b\u044f \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432.\":\"Esta estimativa preliminar n\u00e3o constitui proposta nem aprova\u00e7\u00e3o banc\u00e1ria. A taxa, o esfor\u00e7o financeiro, o r\u00e1cio de financiamento e o prazo s\u00e3o pressupostos que pode consultar e alterar em \u00abComo \u00e9 calculado\u00bb. N\u00e3o inclui impostos da compra, comiss\u00f5es nem seguros. O custo efetivo do cr\u00e9dito e o montante dispon\u00edvel dependem do banco, da avalia\u00e7\u00e3o do im\u00f3vel e do perfil dos mutu\u00e1rios.\",\"\u0420\u0435\u0436\u0438\u043c \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440\u0430\":\"Modo da calculadora\",\"\u043b\u0435\u0442\":\"anos\",\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 \u0431\u043e\u043b\u044c\u0448\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u2014 \u043f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u0441\u0443\u043c\u043c\u0443.\":\"A entrada excede o pre\u00e7o do im\u00f3vel. Verifique o montante.\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438.\":\"Indique o pre\u00e7o do im\u00f3vel.\",\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432\u044b\u0448\u0435 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0433\u043e \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f; \u0431\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0437\u0430\u043f\u0440\u043e\u0441\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0438\u0439 \u0432\u0437\u043d\u043e\u0441.\":\"O r\u00e1cio de financiamento excede o pressuposto escolhido; o banco poder\u00e1 exigir uma entrada maior.\",\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430\":\"Presta\u00e7\u00e3o mensal indicativa\",\"\u0432 \u043c\u0435\u0441\u044f\u0446 \u00b7 \u0442\u043e\u043b\u044c\u043a\u043e \u0442\u0435\u043b\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b\":\"por m\u00eas \u00b7 apenas capital e juros\",\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0441\u0443\u043c\u043c\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u0430\":\"Montante de cr\u00e9dito indicativo\",\"\u0420\u0430\u0441\u0447\u0451\u0442\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0451\u0436 \u0432 \u043c\u0435\u0441\u044f\u0446\":\"Presta\u00e7\u00e3o mensal estimada\",\"\u0431\u0435\u0437 \u043d\u0430\u043b\u043e\u0433\u043e\u0432 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432 \u043d\u0430 \u0441\u0434\u0435\u043b\u043a\u0443\":\"sem impostos e despesas da compra\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0447\u0438\u0441\u0442\u044b\u0439 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u0434\u043e\u0445\u043e\u0434.\":\"Indique o rendimento l\u00edquido mensal.\",\"\u0414\u043b\u044f \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0439 \u0434\u043e\u043b\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0443\u0436\u043d\u044b \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430 \u043f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441.\":\"O r\u00e1cio de financiamento escolhido exige fundos para a entrada.\",\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u043e\u0442 18 \u0434\u043e 74 \u043b\u0435\u0442; \u0441 75 \u043b\u0435\u0442 \u043d\u0443\u0436\u0435\u043d \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0440\u0430\u0441\u0447\u0451\u0442.\":\"Indique uma idade entre 18 e 74 anos; a partir dos 75 \u00e9 necess\u00e1ria uma avalia\u00e7\u00e3o individual.\",\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441\":\"Entrada inicial\",\" \u043b\u0435\u0442\":\" anos\"}};\n  const dict=translations[locale]||{};\n  const t=s=>dict[s]||s;\n  if(locale!=='ru'){\n    const walker=document.createTreeWalker(root,NodeFilter.SHOW_TEXT);\n    while(walker.nextNode()){const node=walker.currentNode;const match=node.nodeValue.match(\/^(\\s*)([\\s\\S]*?)(\\s*)$\/);if(match){const translated=t(match[2]);if(translated!==match[2])node.nodeValue=match[1]+translated+match[3]}}\n    root.querySelector('.arr-calc-tabs').setAttribute('aria-label',t('\u0420\u0435\u0436\u0438\u043c \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440\u0430'));\n    root.querySelector('.arr-calc-link').href=locale==='pt'?'\/pt\/hipoteca\/#arr-mortgage-budget':'\/en\/mortgage\/#arr-mortgage-budget';\n  }\n\n  const $=id=>root.querySelector('#'+id);\n  const num=id=>Math.max(0,Number($(id).value)||0);\n  const money=n=>new Intl.NumberFormat(locale==='pt'?'pt-PT':locale==='en'?'en-GB':'ru-RU',{style:'currency',currency:'EUR',maximumFractionDigits:0}).format(Math.round(n));\n  const payment=(sum,years,rate)=>{const n=years*12,r=rate\/1200;return n<=0?0:r===0?sum\/n:sum*r\/(1-Math.pow(1+r,-n))};\n  const principal=(monthly,years,rate)=>{const n=years*12,r=rate\/1200;return n<=0?0:r===0?monthly*n:monthly*(1-Math.pow(1+r,-n))\/r};\n  const ageCap=age=>{if(!Number.isFinite(age)||age<18||age>=75)return 0;const policy=age<=30?40:age<=35?37:35;return Math.max(0,Math.min(75-age,policy))};\n  let mode='budget';\n  function update(){\n    const age=Math.floor(Number($('arr-age').value));\n    const maxYears=ageCap(age);\n    $('arr-years').max=String(maxYears||1);\n    const rawYears=Math.floor(Number($('arr-years').value));\n    const years=maxYears?(rawYears>0?Math.min(maxYears,rawYears):maxYears):0;\n    $('arr-max-years').textContent=maxYears?maxYears+t(\" \u043b\u0435\u0442\"):'\u2014';\n    const rate=Math.min(25,num('arr-rate'));\n    let message='';\n    if(mode==='payment'){\n      const price=num('arr-price'),down=num('arr-down'),loan=Math.max(0,price-down);\n      const ltv=Math.min(90,Math.max(1,num('arr-ltv')))\/100;\n      if(down>price)message=t(\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 \u0431\u043e\u043b\u044c\u0448\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u2014 \u043f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u0441\u0443\u043c\u043c\u0443.\");\n      else if(price<=0)message=t(\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438.\");\n      else if(loan\/price>ltv)message=t(\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432\u044b\u0448\u0435 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0433\u043e \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f; \u0431\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0437\u0430\u043f\u0440\u043e\u0441\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0438\u0439 \u0432\u0437\u043d\u043e\u0441.\");\n      $('arr-result-label').textContent=t(\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430\");\n      $('arr-result-main').textContent=years?money(payment(loan,years,rate)):'\u2014';\n      $('arr-result-unit').textContent=t(\"\u0432 \u043c\u0435\u0441\u044f\u0446 \u00b7 \u0442\u043e\u043b\u044c\u043a\u043e \u0442\u0435\u043b\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b\");\n      $('arr-detail-1-label').textContent=t(\"\u0421\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430\");\n      $('arr-detail-1').textContent=money(loan);\n      $('arr-detail-2-label').textContent=t(\"\u041f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441\");\n      $('arr-detail-2').textContent=money(Math.min(down,price));\n      $('arr-detail-3-label').textContent=t(\"\u0414\u043e\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432 \u0446\u0435\u043d\u0435\");\n      $('arr-detail-3').textContent=price>0?Math.round(loan\/price*100)+'%':'\u2014';\n    }else{\n      const income=num('arr-income'),savings=num('arr-savings');\n      const ratio=Math.min(45,Math.max(1,num('arr-ratio')))\/100,ltv=Math.min(90,Math.max(1,num('arr-ltv')))\/100;\n      const limit=Math.max(0,income*ratio),loanLimit=principal(limit,years,rate);\n      const budget=Math.max(0,Math.min(savings+loanLimit,savings\/(1-ltv)));\n      const loan=Math.max(0,budget-savings),monthly=payment(loan,years,rate);\n      if(income<=0)message=t(\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0447\u0438\u0441\u0442\u044b\u0439 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u0434\u043e\u0445\u043e\u0434.\");\n      else if(savings<=0)message=t(\"\u0414\u043b\u044f \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0439 \u0434\u043e\u043b\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0443\u0436\u043d\u044b \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430 \u043f\u0435\u0440\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441.\");\n      $('arr-result-label').textContent=t(\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0431\u044e\u0434\u0436\u0435\u0442\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438\");\n      $('arr-result-main').textContent=years?money(budget):'\u2014';\n      $('arr-result-unit').textContent=t(\"\u0431\u0435\u0437 \u043d\u0430\u043b\u043e\u0433\u043e\u0432 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432 \u043d\u0430 \u0441\u0434\u0435\u043b\u043a\u0443\");\n      $('arr-detail-1-label').textContent=t(\"\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0441\u0443\u043c\u043c\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u0430\");\n      $('arr-detail-1').textContent=money(loan);\n      $('arr-detail-2-label').textContent=t(\"\u0421\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430\");\n      $('arr-detail-2').textContent=money(savings);\n      $('arr-detail-3-label').textContent=t(\"\u0420\u0430\u0441\u0447\u0451\u0442\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0451\u0436 \u0432 \u043c\u0435\u0441\u044f\u0446\");\n      $('arr-detail-3').textContent=years?money(monthly):'\u2014';\n    }\n    if(!maxYears)message=t(\"\u0423\u043a\u0430\u0436\u0438\u0442\u0435 \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u043e\u0442 18 \u0434\u043e 74 \u043b\u0435\u0442; \u0441 75 \u043b\u0435\u0442 \u043d\u0443\u0436\u0435\u043d \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0440\u0430\u0441\u0447\u0451\u0442.\");\n    $('arr-message').textContent=message;\n  }\n  root.querySelectorAll('.arr-calc-tabs button').forEach(btn=>btn.addEventListener('click',()=>{\n    mode=btn.dataset.mode;\n    root.querySelectorAll('.arr-calc-tabs button').forEach(b=>{const active=b===btn;b.classList.toggle('is-active',active);b.setAttribute('aria-selected',String(active))});\n    root.querySelectorAll('[data-panel]').forEach(p=>p.hidden=p.dataset.panel!==mode);\n    update();\n  }));\n  root.querySelectorAll('input').forEach(input=>input.addEventListener('input',()=>{\n    if(input.id==='arr-age'){const cap=ageCap(Math.floor(Number(input.value)));$('arr-years').value=cap?String(cap):'';}\n    update();\n  }));\n  $('arr-years').addEventListener('blur',()=>{const cap=ageCap(Math.floor(Number($('arr-age').value)));const y=Math.floor(Number($('arr-years').value));$('arr-years').value=cap?String(Math.min(cap,Math.max(1,y||cap))):'';update()});\n  update();\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16dda3f elementor-widget elementor-widget-html\" data-id=\"16dda3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.arr-mortgage6 .arr-budget-photo{width:100%!important;overflow:visible!important}\n.arr-mortgage6 .arr-process-photo{overflow:visible!important}\n.arr-mortgage6 .arr-budget-photo img,.arr-mortgage6 .arr-process-photo img{display:block;width:100%!important;height:auto!important;max-height:none!important;object-fit:contain!important}\n.arr-mortgage6 .arr-budget-photo img{aspect-ratio:3\/2!important}\n.arr-mortgage6 .arr-process-photo img{aspect-ratio:2\/3!important}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc7860b elementor-widget elementor-widget-html\" data-id=\"bc7860b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section\"><div class=\"wrap\">\n    <div class=\"intro\"><div><h2>\u041f\u043e\u043d\u0438\u043c\u0430\u0435\u043c \u0432\u0430\u0448 \u0431\u044e\u0434\u0436\u0435\u0442 \u0434\u043e \u0442\u043e\u0433\u043e, \u043a\u0430\u043a \u0432\u044b \u0432\u044b\u0431\u0440\u0430\u043b\u0438 \u043e\u0431\u044a\u0435\u043a\u0442<\/h2><p class=\"lead\">\u0411\u0430\u043d\u043a \u043e\u0446\u0435\u043d\u0438\u0432\u0430\u0435\u0442 \u043d\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438, \u043d\u043e \u0438 \u0434\u043e\u0445\u043e\u0434, \u0435\u0433\u043e \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a, \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432, \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0438 \u0440\u0430\u0437\u043c\u0435\u0440 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432. \u041c\u044b \u0441\u043e\u0431\u0438\u0440\u0430\u0435\u043c \u0434\u0430\u043d\u043d\u044b\u0435 \u043e\u0434\u0438\u043d \u0440\u0430\u0437 \u0438 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u043c \u0437\u0430\u044f\u0432\u043a\u0443 \u0432 \u043f\u043e\u0434\u0445\u043e\u0434\u044f\u0449\u0438\u0435 \u0431\u0430\u043d\u043a\u0438.<\/p><\/div><div class=\"intro-note\"><strong>\u041f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u043e\u0446\u0435\u043d\u043a\u0430 \u043d\u0435 \u043e\u0431\u044f\u0437\u044b\u0432\u0430\u0435\u0442 \u0431\u0440\u0430\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442.<\/strong>\u041e\u043d\u0430 \u043f\u043e\u043c\u043e\u0433\u0430\u0435\u0442 \u043f\u043e\u043d\u044f\u0442\u044c \u0440\u0435\u0430\u043b\u0438\u0441\u0442\u0438\u0447\u043d\u044b\u0439 \u0434\u0438\u0430\u043f\u0430\u0437\u043e\u043d \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0438 \u0441\u0440\u0430\u0432\u043d\u0438\u0442\u044c \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0434\u043e \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u043d\u0430 \u043e\u0431\u044a\u0435\u043a\u0442.<figure class=\"arr-budget-photo\" style=\"margin:24px 0 0;width:100%\"><img loading=\"lazy\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2026\/09\/arr-mortgage-tour-plans-1200.webp\" alt=\"\u0423\u0447\u0430\u0441\u0442\u043d\u0438\u043a\u0438 \u044d\u043a\u0441\u043a\u0443\u0440\u0441\u0438\u0438 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442 \u043f\u043b\u0430\u043d \u0436\u0438\u043b\u043e\u0433\u043e \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u0430\" width=\"1200\" height=\"800\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;height:auto\"><\/figure><\/div><\/div>\n  <\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47eead4 elementor-widget elementor-widget-html\" data-id=\"47eead4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section soft\"><div class=\"wrap\"><p class=\"eyebrow\">\u0427\u0422\u041e \u041c\u042b \u0411\u0415\u0420\u0401\u041c \u041d\u0410 \u0421\u0415\u0411\u042f<\/p><h2>\u041e\u0434\u043d\u0430 \u0442\u043e\u0447\u043a\u0430 \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u0430 \u0432\u043c\u0435\u0441\u0442\u043e \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432<\/h2><p class=\"lead\">\u0412\u044b \u0432\u0438\u0434\u0438\u0442\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0440\u044f\u0434\u043e\u043c \u0438 \u043f\u043e\u043d\u0438\u043c\u0430\u0435\u0442\u0435, \u0447\u0442\u043e \u0432\u043b\u0438\u044f\u0435\u0442 \u043d\u0430 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u2014 \u0431\u0435\u0437 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438 \u0437\u0430\u043d\u043e\u0432\u043e \u043e\u0431\u044a\u044f\u0441\u043d\u044f\u0442\u044c \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044e \u043a\u0430\u0436\u0434\u043e\u043c\u0443 \u0431\u0430\u043d\u043a\u0443.<\/p>\n    <div class=\"service-grid\">\n      <article class=\"service\"><small>01<\/small><h3>\u041f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c \u0438\u0441\u0445\u043e\u0434\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435<\/h3><p>\u0414\u043e\u0445\u043e\u0434\u044b, \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u043e\u0435 \u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0441\u0442\u0432\u043e, \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430, \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0438 \u0436\u0435\u043b\u0430\u0435\u043c\u044b\u0439 \u0431\u044e\u0434\u0436\u0435\u0442.<\/p><\/article>\n      <article class=\"service\"><small>02<\/small><h3>\u0421\u043e\u0431\u0438\u0440\u0430\u0435\u043c \u043f\u0430\u043a\u0435\u0442 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432<\/h3><p>\u0414\u0430\u0435\u043c \u0442\u043e\u0447\u043d\u044b\u0439 \u0441\u043f\u0438\u0441\u043e\u043a \u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0442\u043d\u043e\u0441\u0442\u044c \u0434\u043e \u043e\u0442\u043f\u0440\u0430\u0432\u043a\u0438, \u0447\u0442\u043e\u0431\u044b \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u043b\u0438\u0448\u043d\u0438\u0445 \u043f\u0430\u0443\u0437.<\/p><\/article>\n      <article class=\"service\"><small>03<\/small><h3>\u0421\u043e\u043f\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u043c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f<\/h3><p>\u0421\u043c\u043e\u0442\u0440\u0438\u043c \u043d\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0443, \u043d\u043e \u0438 \u043d\u0430 TAEG, \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0438, \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438, \u0441\u0440\u043e\u043a \u0438 \u043e\u0431\u0449\u0443\u044e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u0430.<\/p><\/article>\n      <article class=\"service\"><small>04<\/small><h3>\u041a\u043e\u043e\u0440\u0434\u0438\u043d\u0438\u0440\u0443\u0435\u043c \u0434\u043e \u0441\u0434\u0435\u043b\u043a\u0438<\/h3><p>\u0421\u0432\u044f\u0437\u044b\u0432\u0430\u0435\u043c \u0431\u0430\u043d\u043a, \u043e\u0446\u0435\u043d\u0449\u0438\u043a\u0430, \u0430\u0433\u0435\u043d\u0442\u0430 \u0438 \u043d\u043e\u0442\u0430\u0440\u0438\u0443\u0441\u0430, \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u0438\u0440\u0443\u044f \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0439 \u0448\u0430\u0433 \u0438 \u0441\u0440\u043e\u043a\u0438.<\/p><\/article>\n    <\/div>\n  <\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cd2771 elementor-widget elementor-widget-html\" data-id=\"2cd2771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section arr-lead-section\" id=\"arr-mortgage-apply\"><div class=\"wrap arr-lead-grid arr-lead-expert\"><div class=\"arr-expert-profile\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2026\/08\/website-portrait-centered-780x780.png\" alt=\"\u0421\u0432\u0435\u0442\u043b\u0430\u043d\u0430 \u0411\u0435\u0441\u0442\u0443\u0436\u0435\u0432\u0430 \u2014 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442 \u043f\u043e \u0441\u043e\u043f\u0440\u043e\u0432\u043e\u0436\u0434\u0435\u043d\u0438\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0438\" width=\"780\" height=\"780\" loading=\"lazy\"><h3>\u0421\u0432\u0435\u0442\u043b\u0430\u043d\u0430 \u0411\u0435\u0441\u0442\u0443\u0436\u0435\u0432\u0430<\/h3><p class=\"arr-expert-role\">\u0421\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442 \u043f\u043e \u0441\u043e\u043f\u0440\u043e\u0432\u043e\u0436\u0434\u0435\u043d\u0438\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0438<\/p><blockquote>\u00ab\u041f\u043e\u043c\u043e\u0433\u0443 \u0441\u043e\u0431\u0440\u0430\u0442\u044c \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b, \u043f\u043e\u043d\u044f\u0442\u044c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432 \u0438 \u043f\u0440\u043e\u0439\u0442\u0438 \u0432\u0435\u0441\u044c \u043f\u0443\u0442\u044c \u0434\u043e \u0441\u0434\u0435\u043b\u043a\u0438. \u041c\u043e\u044f \u0437\u0430\u0434\u0430\u0447\u0430 \u2014 \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u043f\u043e\u043d\u044f\u0442\u043d\u044b\u043c\u0438 \u0438 \u0431\u044b\u0442\u044c \u0440\u044f\u0434\u043e\u043c \u043d\u0430 \u043a\u0430\u0436\u0434\u043e\u043c \u044d\u0442\u0430\u043f\u0435\u00bb.<\/blockquote><\/div><div><p class=\"eyebrow\">\u041e\u0422 \u0412\u041e\u041f\u0420\u041e\u0421\u041e\u0412 \u2014 \u041a \u0417\u0410\u042f\u0412\u041a\u0415<\/p><h2>\u0413\u043e\u0442\u043e\u0432\u044b \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0439 \u0448\u0430\u0433?<\/h2><p class=\"lead\">\u041e\u0441\u0442\u0430\u0432\u044c\u0442\u0435 \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u044b \u2014 \u043e\u0442\u0432\u0435\u0447\u0443 \u043d\u0430 \u0432\u0430\u0448\u0438 \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u0438 \u043f\u043e\u0434\u0441\u043a\u0430\u0436\u0443, \u043a\u0430\u043a\u0438\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u043f\u043e\u043d\u0430\u0434\u043e\u0431\u044f\u0442\u0441\u044f \u0438\u043c\u0435\u043d\u043d\u043e \u0432\u0430\u043c.<\/p><div class=\"arr-lead-card\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f42035-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"42035\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/41928#wpcf7-f42035-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"42035\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f42035-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"\u0418\u043c\u044f\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" autocomplete=\"tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"\u0422\u0435\u043b\u0435\u0444\u043e\u043d\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-call\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"your-call\"><option value=\"\u0417\u0432\u043e\u043d\u043e\u043a\">\u0417\u0432\u043e\u043d\u043e\u043a<\/option><option value=\"WhatsApp\">WhatsApp<\/option><option value=\"Telegram\">Telegram<\/option><\/select><\/span><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"\u041f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u044e\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<p class=\"privacy\">\u041d\u0430\u0436\u0438\u043c\u0430\u044f \u043a\u043d\u043e\u043f\u043a\u0443, \u0432\u044b \u0441\u043e\u0433\u043b\u0430\u0448\u0430\u0435\u0442\u0435\u0441\u044c \u0441 <a href=\"https:\/\/arr.pt\/privacy\/\">\u043f\u043e\u043b\u0438\u0442\u0438\u043a\u043e\u0439 \u043a\u043e\u043d\u0444\u0438\u0434\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438<\/a>.<\/p><\/div><\/div><\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0645b93 elementor-widget elementor-widget-html\" data-id=\"0645b93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section\"><div class=\"wrap\"><p class=\"eyebrow\">\u041d\u0415\u0414\u0410\u0412\u041d\u0418\u0415 \u0421\u0418\u041c\u0423\u041b\u042f\u0426\u0418\u0418 \u00b7 2026<\/p><h2>\u041a\u0430\u043a \u043c\u043e\u0433\u0443\u0442 \u0432\u044b\u0433\u043b\u044f\u0434\u0435\u0442\u044c \u0440\u0430\u0441\u0447\u0451\u0442\u044b<\/h2><p class=\"lead\">\u0422\u0440\u0438 \u043f\u0440\u0438\u043c\u0435\u0440\u0430 \u0438\u0437 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0438 \u043f\u043e\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442 \u0434\u0438\u0430\u043f\u0430\u0437\u043e\u043d \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u043e\u0432. \u042d\u0442\u043e \u043d\u0435 \u043f\u0443\u0431\u043b\u0438\u0447\u043d\u0430\u044f \u043e\u0444\u0435\u0440\u0442\u0430: \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0431\u0430\u043d\u043a \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0430\u0435\u0442 \u0432 \u0441\u0438\u043c\u0443\u043b\u044f\u0446\u0438\u0438 \u0438 FINE.<\/p>\n    <div class=\"arr-case-scroll-cue\" aria-hidden=\"true\">&#8596;<\/div><div class=\"arr-case-table-wrap\" role=\"region\" aria-label=\"\u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u043a\u0435\u0439\u0441\u043e\u0432\" tabindex=\"0\"><table class=\"arr-case-table\"><thead><tr><th scope=\"col\">\u041f\u0430\u0440\u0430\u043c\u0435\u0442\u0440<\/th><th scope=\"col\">\u041a\u0435\u0439\u0441 01<\/th><th scope=\"col\">\u041a\u0435\u0439\u0441 02*<\/th><th scope=\"col\">\u041a\u0435\u0439\u0441 03<\/th><\/tr><\/thead><tbody>\n      <tr><th scope=\"row\">\u0413\u043e\u0434\u043e\u0432\u043e\u0439 \u0434\u043e\u0445\u043e\u0434 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430<\/th><td>\u20ac15 000<\/td><td>\u20ac72 000<\/td><td>\u20ac36 000<\/td><\/tr>\n      <tr><th scope=\"row\">\u0426\u0435\u043d\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438<\/th><td>\u20ac278 500<\/td><td>\u20ac450 000<\/td><td>\u20ac400 000<\/td><\/tr>\n      <tr><th scope=\"row\">\u041f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441<\/th><td>30%<\/td><td>0%*<\/td><td>30%<\/td><\/tr>\n      <tr><th scope=\"row\">\u0421\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/th><td>\u20ac195 000<\/td><td>\u20ac450 000<\/td><td>\u20ac265 000<\/td><\/tr>\n      <tr><th scope=\"row\">\u0412\u043e\u0437\u0440\u0430\u0441\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430<\/th><td>37 + 31<\/td><td>34 + 34<\/td><td>36<\/td><\/tr>\n      <tr><th scope=\"row\">\u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/th><td>360 \u043c\u0435\u0441.<\/td><td>396 \u043c\u0435\u0441.<\/td><td>420 \u043c\u0435\u0441.<\/td><\/tr>\n      <tr><th scope=\"row\">\u042d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430<\/th><td>5,1%<\/td><td>4,4%<\/td><td>5,4%<\/td><\/tr>\n      <tr><th scope=\"row\">\u0415\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0451\u0436<\/th><td>\u20ac853<\/td><td>\u20ac1 700<\/td><td>\u20ac1 036<\/td><\/tr>\n      <tr><th scope=\"row\">\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/th><td>\u20ac378 335<\/td><td>\u20ac853 953<\/td><td>\u20ac594 728<\/td><\/tr>\n    <\/tbody><\/table><\/div><p class=\"fine\">* \u0418\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u044b\u0439 \u0440\u0430\u0441\u0447\u0451\u0442 \u0441 \u043e\u0441\u043e\u0431\u044b\u043c\u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u043c\u0438. \u0412\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u0435\u0437 \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0437\u043d\u043e\u0441\u0430 \u043d\u0435 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u043e\u0439 \u0438 \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u043e\u0442 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0439 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b \u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u0430.<\/p>\n  <\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6feb835 elementor-widget elementor-widget-html\" data-id=\"6feb835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section arr-lead-section arr-lead-budget\" id=\"arr-mortgage-budget\"><div class=\"wrap arr-lead-grid\"><div><p class=\"eyebrow\">\u0412\u0410\u0428 \u041f\u0415\u0420\u0421\u041e\u041d\u0410\u041b\u042c\u041d\u042b\u0419 \u0420\u0410\u0421\u0427\u0401\u0422<\/p><h2>\u0425\u043e\u0442\u0438\u0442\u0435 \u0443\u0437\u043d\u0430\u0442\u044c, \u043a\u0430\u043a\u0443\u044e \u0441\u0443\u043c\u043c\u0443 \u0431\u0430\u043d\u043a \u043e\u0434\u043e\u0431\u0440\u0438\u0442 \u0434\u043b\u044f \u0432\u0430\u0441?<\/h2><p class=\"lead\">\u041f\u0440\u043e\u0441\u0442\u043e \u043e\u0441\u0442\u0430\u0432\u044c\u0442\u0435 \u0437\u0430\u044f\u0432\u043a\u0443. \u0423\u0442\u043e\u0447\u043d\u0438\u043c \u0434\u043e\u0445\u043e\u0434\u044b, \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0438 \u043f\u043b\u0430\u043d\u044b \u043d\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0443, \u0447\u0442\u043e\u0431\u044b \u043d\u0430\u0447\u0430\u0442\u044c \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u0443\u044e \u043e\u0446\u0435\u043d\u043a\u0443. \u041e\u043a\u043e\u043d\u0447\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0435\u0442 \u0431\u0430\u043d\u043a.<\/p><\/div><div class=\"arr-lead-card\"><h3>\u041e\u0431\u0441\u0443\u0434\u0438\u0442\u044c \u043c\u043e\u0439 \u0431\u044e\u0434\u0436\u0435\u0442<\/h3>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f42035-o2\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"42035\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/41928#wpcf7-f42035-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"42035\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f42035-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"\u0418\u043c\u044f\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" autocomplete=\"tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"\u0422\u0435\u043b\u0435\u0444\u043e\u043d\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-call\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"your-call\"><option value=\"\u0417\u0432\u043e\u043d\u043e\u043a\">\u0417\u0432\u043e\u043d\u043e\u043a<\/option><option value=\"WhatsApp\">WhatsApp<\/option><option value=\"Telegram\">Telegram<\/option><\/select><\/span><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"\u041f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u044e\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<p class=\"privacy\">\u041d\u0430\u0436\u0438\u043c\u0430\u044f \u043a\u043d\u043e\u043f\u043a\u0443, \u0432\u044b \u0441\u043e\u0433\u043b\u0430\u0448\u0430\u0435\u0442\u0435\u0441\u044c \u0441 <a href=\"https:\/\/arr.pt\/privacy\/\">\u043f\u043e\u043b\u0438\u0442\u0438\u043a\u043e\u0439 \u043a\u043e\u043d\u0444\u0438\u0434\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438<\/a>.<\/p><\/div><\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0aa35e elementor-widget elementor-widget-html\" data-id=\"f0aa35e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section soft\" id=\"arr-mortgage-process\"><div class=\"wrap process\"><div class=\"process-copy\"><p class=\"eyebrow\">\u041f\u0423\u0422\u042c \u041a \u0421\u0414\u0415\u041b\u041a\u0415<\/p><h2>\u0427\u0442\u043e \u043f\u0440\u043e\u0438\u0441\u0445\u043e\u0434\u0438\u0442 \u043f\u043e\u0441\u043b\u0435 \u0437\u0430\u044f\u0432\u043a\u0438<\/h2><p class=\"lead\">\u041e\u0442 \u043f\u0435\u0440\u0432\u043e\u0433\u043e \u043f\u0430\u043a\u0435\u0442\u0430 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0434\u043e \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u2014 \u0441 \u043f\u043e\u043d\u044f\u0442\u043d\u044b\u043c \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u043e\u043c \u043a\u0430\u0436\u0434\u043e\u0433\u043e \u044d\u0442\u0430\u043f\u0430. \u0421\u0440\u043e\u043a\u0438 \u0438 \u043f\u043e\u0440\u044f\u0434\u043e\u043a \u043e\u0442\u0434\u0435\u043b\u044c\u043d\u044b\u0445 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0439 \u0437\u0430\u0432\u0438\u0441\u044f\u0442 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430, \u0433\u043e\u0442\u043e\u0432\u043d\u043e\u0441\u0442\u0438 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0438 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0433\u043e \u043e\u0431\u044a\u0435\u043a\u0442\u0430; \u0447\u0430\u0441\u0442\u044c \u0448\u0430\u0433\u043e\u0432 \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u043e\u0445\u043e\u0434\u0438\u0442\u044c \u043f\u0430\u0440\u0430\u043b\u043b\u0435\u043b\u044c\u043d\u043e.<\/p><p class=\"fine\">\u041f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430 \u0435\u0449\u0451 \u043d\u0435 \u043e\u0437\u043d\u0430\u0447\u0430\u0435\u0442 \u043e\u043a\u043e\u043d\u0447\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u043d\u0430 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u0443\u044e \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c.<\/p><figure class=\"arr-process-photo\" style=\"margin:28px 0 0\"><img loading=\"lazy\" src=\"https:\/\/arr.pt\/wp-content\/uploads\/2026\/09\/arr-mortgage-interior-1200.webp\" alt=\"\u041e\u0431\u0435\u0434\u0435\u043d\u043d\u0430\u044f \u0437\u043e\u043d\u0430 \u0432 \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0435, \u043f\u043e\u043a\u0430\u0437\u0430\u043d\u043d\u043e\u0439 \u043d\u0430 \u044d\u043a\u0441\u043a\u0443\u0440\u0441\u0438\u0438 ARR\" width=\"800\" height=\"1200\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;height:auto\"><\/figure><\/div><div class=\"arr-process-list\">\n    <div class=\"arr-process-step\"><b>\u042d\u0422\u0410\u041f 01<\/b><div><strong>\u0414\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0438 \u0437\u0430\u044f\u0432\u043a\u0430<\/strong><p>\u0423\u0442\u043e\u0447\u043d\u044f\u0435\u043c \u0434\u043e\u0445\u043e\u0434\u044b, \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0438 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430. \u041f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0442 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0438 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u043c \u0437\u0430\u044f\u0432\u043a\u0443 \u0432 \u0431\u0430\u043d\u043a\u0438-\u043f\u0430\u0440\u0442\u043d\u0451\u0440\u044b.<\/p><p class=\"arr-process-result\"><span>\u041d\u0430 \u0432\u044b\u0445\u043e\u0434\u0435:<\/span> \u0437\u0430\u044f\u0432\u043a\u0430 \u043f\u0440\u0438\u043d\u044f\u0442\u0430 \u043a \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u044e, \u043f\u043e\u043d\u044f\u0442\u043d\u044b \u043d\u0435\u0434\u043e\u0441\u0442\u0430\u044e\u0449\u0438\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b.<\/p><\/div><\/div>\n    <div class=\"arr-process-step\"><b>\u042d\u0422\u0410\u041f 02<\/b><div><strong>\u0421\u0438\u043c\u0443\u043b\u044f\u0446\u0438\u0438 \u0438 \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0435<\/strong><p>\u0421\u0440\u0430\u0432\u043d\u0438\u0432\u0430\u0435\u043c \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0438 \u043f\u043e\u043b\u0443\u0447\u0430\u0435\u043c \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u043f\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0443. \u041e\u0431\u044a\u044f\u0441\u043d\u044f\u0435\u043c \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0438 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u044f \u043a\u0430\u0436\u0434\u043e\u0433\u043e \u0432\u0430\u0440\u0438\u0430\u043d\u0442\u0430.<\/p><p class=\"arr-process-result\"><span>\u041d\u0430 \u0432\u044b\u0445\u043e\u0434\u0435:<\/span> \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0431\u044e\u0434\u0436\u0435\u0442 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u044f, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u043e\u0438\u0442 \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0434\u0438\u0442\u044c.<\/p><\/div><\/div>\n    <div class=\"arr-process-step\"><b>\u042d\u0422\u0410\u041f 03<\/b><div><strong>\u0421\u0447\u0451\u0442 \u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430<\/strong><p>\u0421\u043e\u0433\u043b\u0430\u0441\u0443\u0435\u043c \u0441 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u044b\u043c \u0431\u0430\u043d\u043a\u043e\u043c \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u0441\u0447\u0451\u0442\u0443, \u0438\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 \u0438 \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u044e \u043f\u0440\u043e\u0438\u0441\u0445\u043e\u0436\u0434\u0435\u043d\u0438\u044f \u0441\u0440\u0435\u0434\u0441\u0442\u0432. \u041f\u0440\u0438 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438 \u044d\u0442\u043e\u0442 \u0448\u0430\u0433 \u043d\u0430\u0447\u0438\u043d\u0430\u0435\u0442\u0441\u044f \u0440\u0430\u043d\u044c\u0448\u0435.<\/p><p class=\"arr-process-result\"><span>\u041d\u0430 \u0432\u044b\u0445\u043e\u0434\u0435:<\/span> \u0432\u044b\u043f\u043e\u043b\u043d\u0435\u043d\u044b \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u0430 \u043a \u0441\u0447\u0451\u0442\u0443 \u0438 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0430\u043c \u043a\u043b\u0438\u0435\u043d\u0442\u0430.<\/p><\/div><\/div>\n    <div class=\"arr-process-step\"><b>\u042d\u0422\u0410\u041f 04<\/b><div><strong>\u0412\u044b\u0431\u043e\u0440 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0438 CPCV<\/strong><p>\u0421\u043e\u043f\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u043c \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u0443\u044e \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c \u0441 \u0431\u044e\u0434\u0436\u0435\u0442\u043e\u043c. \u0414\u043e \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u0438\u044f \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u043a\u0443\u043f\u043b\u0438-\u043f\u0440\u043e\u0434\u0430\u0436\u0438 (CPCV) \u0441\u043e\u0433\u043b\u0430\u0441\u0443\u0435\u043c \u0441\u0440\u043e\u043a\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f; \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0437\u0430\u0434\u0430\u0442\u043a\u0430 \u0438 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u044c \u0441\u0434\u0435\u043b\u043a\u0438 \u043e\u0442 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u0430 \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u044e\u0442\u0441\u044f \u0441 \u044e\u0440\u0438\u0441\u0442\u043e\u043c.<\/p><p class=\"arr-process-result\"><span>\u041d\u0430 \u0432\u044b\u0445\u043e\u0434\u0435:<\/span> \u0432\u044b\u0431\u0440\u0430\u043d \u043e\u0431\u044a\u0435\u043a\u0442, \u043f\u043e\u043d\u044f\u0442\u043d\u044b \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0438 \u0441\u0440\u043e\u043a\u0438 \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430.<\/p><\/div><\/div>\n    <div class=\"arr-process-step\"><b>\u042d\u0422\u0410\u041f 05<\/b><div><strong>\u041f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u0438 \u043e\u0446\u0435\u043d\u043a\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438<\/strong><p>\u041f\u0435\u0440\u0435\u0434\u0430\u0451\u043c \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u043f\u043e \u043e\u0431\u044a\u0435\u043a\u0442\u0443. \u0411\u0430\u043d\u043a \u043f\u0440\u043e\u0432\u043e\u0434\u0438\u0442 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0443 \u0438 \u0437\u0430\u043a\u0430\u0437\u044b\u0432\u0430\u0435\u0442 \u043e\u0446\u0435\u043d\u043a\u0443, \u043e\u0442 \u043a\u043e\u0442\u043e\u0440\u043e\u0439 \u0442\u0430\u043a\u0436\u0435 \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430.<\/p><p class=\"arr-process-result\"><span>\u041d\u0430 \u0432\u044b\u0445\u043e\u0434\u0435:<\/span> \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442 \u043e\u0446\u0435\u043d\u043a\u0438 \u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u0430 \u043f\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0433\u043e \u043e\u0431\u044a\u0435\u043a\u0442\u0430.<\/p><\/div><\/div>\n    <div class=\"arr-process-step\"><b>\u042d\u0422\u0410\u041f 06<\/b><div><strong>\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0438 \u0438 \u0444\u0438\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f<\/strong><p>\u0421\u0440\u0430\u0432\u043d\u0438\u0432\u0430\u0435\u043c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0435 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435, \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0438 \u0432\u043b\u0438\u044f\u043d\u0438\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u043a \u043d\u0430 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430. \u041f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c FINE \u2014 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442 \u0441 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u043d\u044b\u043c\u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u043c\u0438 \u2014 \u0438 \u043f\u0440\u043e\u0435\u043a\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430.<\/p><p class=\"arr-process-result\"><span>\u041d\u0430 \u0432\u044b\u0445\u043e\u0434\u0435:<\/span> \u0441\u043e\u0433\u043b\u0430\u0441\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0438, \u043f\u043e\u043d\u044f\u0442\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0451\u0436 \u0438 \u043f\u0435\u0440\u0435\u0447\u0435\u043d\u044c \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432.<\/p><\/div><\/div>\n    <div class=\"arr-process-step\"><b>\u042d\u0422\u0410\u041f 07<\/b><div><strong>\u041f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u0438\u0435 \u0438 \u0441\u0434\u0435\u043b\u043a\u0430<\/strong><p>\u041f\u043e\u0441\u043b\u0435 \u043f\u0440\u0435\u0434\u0443\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u043d\u043e\u0433\u043e \u043f\u0435\u0440\u0438\u043e\u0434\u0430 \u043e\u0431\u0434\u0443\u043c\u044b\u0432\u0430\u043d\u0438\u044f \u043a\u043e\u043e\u0440\u0434\u0438\u043d\u0438\u0440\u0443\u0435\u043c \u0431\u0430\u043d\u043a \u0438 \u0443\u0447\u0430\u0441\u0442\u043d\u0438\u043a\u043e\u0432 \u0441\u0434\u0435\u043b\u043a\u0438, \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c \u0433\u043e\u0442\u043e\u0432\u043d\u043e\u0441\u0442\u044c \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0438 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u043a \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u0438\u044e.<\/p><p class=\"arr-process-result\"><span>\u041d\u0430 \u0432\u044b\u0445\u043e\u0434\u0435:<\/span> \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u044b \u043a\u0440\u0435\u0434\u0438\u0442 \u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438.<\/p><\/div><\/div>\n  <\/div><\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0cda19 elementor-widget elementor-widget-html\" data-id=\"b0cda19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section\" id=\"arr-mortgage-documents\"><div class=\"wrap\"><p class=\"eyebrow\">\u0413\u041e\u0422\u041e\u0412\u0418\u041c\u0421\u042f \u041a \u0417\u0410\u042f\u0412\u041a\u0415<\/p><h2>\u041a\u0430\u043a\u0438\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u043d\u0443\u0436\u043d\u044b \u0432 \u0432\u0430\u0448\u0435\u0439 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438<\/h2><p class=\"lead\">\u041d\u0430\u0447\u043d\u0438\u0442\u0435 \u0441 \u043e\u0431\u0449\u0435\u0433\u043e \u043d\u0430\u0431\u043e\u0440\u0430, \u0437\u0430\u0442\u0435\u043c \u0432\u044b\u0431\u0435\u0440\u0438\u0442\u0435 \u0441\u0432\u043e\u0439 \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a \u0434\u043e\u0445\u043e\u0434\u0430. \u042d\u0442\u043e \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u0434\u043b\u044f \u043f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u043a\u0438: \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0441\u043f\u0438\u0441\u043e\u043a \u0441\u043e\u0433\u043b\u0430\u0441\u0443\u0435\u043c \u0441 \u0431\u0430\u043d\u043a\u043e\u043c \u0441 \u0443\u0447\u0451\u0442\u043e\u043c \u0441\u0442\u0440\u0430\u043d\u044b \u0434\u043e\u0445\u043e\u0434\u0430 \u0438 \u0432\u0430\u0448\u0435\u0433\u043e \u0441\u0442\u0430\u0442\u0443\u0441\u0430.<\/p><div class=\"arr-docs-grid\">\n    <div class=\"arr-docs-common\"><h3>\u041e\u0431\u0449\u0438\u0439 \u043d\u0430\u0431\u043e\u0440 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432<\/h3><ul class=\"arr-docs-list\"><li>\u041f\u0430\u0441\u043f\u043e\u0440\u0442 \u0438\u043b\u0438 \u0434\u0440\u0443\u0433\u043e\u0439 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442 \u043b\u0438\u0447\u043d\u043e\u0441\u0442\u0438, NIF \u0438 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u043e \u0441\u0442\u0430\u0442\u0443\u0441\u0435 \u043f\u0440\u043e\u0436\u0438\u0432\u0430\u043d\u0438\u044f, \u0435\u0441\u043b\u0438 \u043f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u043e.<\/li><li>\u041f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u0435 \u0442\u0435\u043a\u0443\u0449\u0435\u0433\u043e \u0430\u0434\u0440\u0435\u0441\u0430 \u043f\u0440\u043e\u0436\u0438\u0432\u0430\u043d\u0438\u044f.<\/li><li>\u041d\u0430\u043b\u043e\u0433\u043e\u0432\u0430\u044f \u0434\u0435\u043a\u043b\u0430\u0440\u0430\u0446\u0438\u044f \u0438 \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u0435 \u0435\u0451 \u0440\u0430\u0441\u0447\u0451\u0442\u0430 \u043b\u0438\u0431\u043e \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0441\u0442\u0440\u0430\u043d\u044b \u043d\u0430\u043b\u043e\u0433\u043e\u043e\u0431\u043b\u043e\u0436\u0435\u043d\u0438\u044f.<\/li><li>\u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u0432\u044b\u043f\u0438\u0441\u043a\u0438 \u0438 \u0441\u0432\u0435\u0434\u0435\u043d\u0438\u044f \u043e \u0434\u0435\u0439\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430\u0445.<\/li><li>\u041f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u0435 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u043d\u0430 \u0432\u0437\u043d\u043e\u0441 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u0441\u0434\u0435\u043b\u043a\u0438, \u0430 \u043f\u0440\u0438 \u0437\u0430\u043f\u0440\u043e\u0441\u0435 \u0431\u0430\u043d\u043a\u0430 \u2014 \u0438\u0445 \u043f\u0440\u043e\u0438\u0441\u0445\u043e\u0436\u0434\u0435\u043d\u0438\u044f.<\/li><\/ul><\/div>\n    <div class=\"arr-docs-options\"><details><summary>\u0420\u0430\u0431\u043e\u0442\u0430\u044e \u043f\u043e \u043d\u0430\u0439\u043c\u0443<\/summary><div><ul class=\"arr-docs-list\"><li>\u0422\u0440\u0443\u0434\u043e\u0432\u043e\u0439 \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u0438\u043b\u0438 \u0441\u043f\u0440\u0430\u0432\u043a\u0430 \u0440\u0430\u0431\u043e\u0442\u043e\u0434\u0430\u0442\u0435\u043b\u044f \u0441 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u043c\u0438 \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u0438.<\/li><li>\u0420\u0430\u0441\u0447\u0451\u0442\u043d\u044b\u0435 \u043b\u0438\u0441\u0442\u043a\u0438 \u043f\u043e \u0437\u0430\u0440\u043f\u043b\u0430\u0442\u0435 \u0437\u0430 \u0437\u0430\u043f\u0440\u043e\u0448\u0435\u043d\u043d\u044b\u0439 \u0431\u0430\u043d\u043a\u043e\u043c \u043f\u0435\u0440\u0438\u043e\u0434.<\/li><li>\u0412\u044b\u043f\u0438\u0441\u043a\u0438 \u043f\u043e \u0441\u0447\u0451\u0442\u0443, \u043d\u0430 \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u043f\u043e\u0441\u0442\u0443\u043f\u0430\u0435\u0442 \u0437\u0430\u0440\u043f\u043b\u0430\u0442\u0430.<\/li><\/ul><p>\u0422\u0438\u043f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430, \u0441\u0442\u0430\u0436 \u0438 \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u0434\u043e\u0445\u043e\u0434\u0430 \u0431\u0430\u043d\u043a \u043e\u0446\u0435\u043d\u0438\u0432\u0430\u0435\u0442 \u0432\u043c\u0435\u0441\u0442\u0435 \u0441 \u043e\u0441\u0442\u0430\u043b\u044c\u043d\u044b\u043c\u0438 \u0434\u0430\u043d\u043d\u044b\u043c\u0438 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430.<\/p><\/div><\/details>\n    <details><summary>\u0418\u041f \u0438\u043b\u0438 \u0441\u0430\u043c\u043e\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c<\/summary><div><ul class=\"arr-docs-list\"><li>\u041f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u0435 \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u0438 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438: \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, in\u00edcio de atividade \u0438\u043b\u0438 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442 \u0438\u0437 \u0434\u0440\u0443\u0433\u043e\u0439 \u0441\u0442\u0440\u0430\u043d\u044b.<\/li><li>\u041d\u0430\u043b\u043e\u0433\u043e\u0432\u0430\u044f \u043e\u0442\u0447\u0451\u0442\u043d\u043e\u0441\u0442\u044c, \u0438\u043d\u0432\u043e\u0439\u0441\u044b \u0438\u043b\u0438 recibos verdes.<\/li><li>\u0414\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u0441 \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u043c\u0438 \u0438 \u0432\u044b\u043f\u0438\u0441\u043a\u0438 \u0441 \u043f\u043e\u0441\u0442\u0443\u043f\u043b\u0435\u043d\u0438\u044f\u043c\u0438 \u0434\u043e\u0445\u043e\u0434\u043e\u0432.<\/li><li>\u041f\u0440\u0438 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438 \u2014 \u0441\u0432\u043e\u0434\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u043e\u0431 \u043e\u0431\u043e\u0440\u043e\u0442\u0435 \u0438 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u043e\u0442\u0447\u0451\u0442\u043d\u043e\u0441\u0442\u044c.<\/li><\/ul><p>\u041f\u0435\u0440\u0438\u043e\u0434 \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u044f \u0434\u043e\u0445\u043e\u0434\u043e\u0432 \u0438 \u0441\u043e\u0441\u0442\u0430\u0432 \u043e\u0442\u0447\u0451\u0442\u043d\u043e\u0441\u0442\u0438 \u0437\u0430\u0432\u0438\u0441\u044f\u0442 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430 \u0438 \u0444\u043e\u0440\u043c\u044b \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438.<\/p><\/div><\/details>\n    <details><summary>\u0414\u043e\u0445\u043e\u0434\u044b \u043e\u0442 \u0430\u0440\u0435\u043d\u0434\u044b \u0438\u043b\u0438 \u0434\u0438\u0432\u0438\u0434\u0435\u043d\u0434\u043e\u0432<\/summary><div><ul class=\"arr-docs-list\"><li>\u0414\u043b\u044f \u0430\u0440\u0435\u043d\u0434\u044b: \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b, \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u044b\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0438 \u0432\u044b\u043f\u0438\u0441\u043a\u0438, \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0430\u044e\u0449\u0438\u0435 \u043f\u043e\u0441\u0442\u0443\u043f\u043b\u0435\u043d\u0438\u0435 \u0430\u0440\u0435\u043d\u0434\u043d\u043e\u0439 \u043f\u043b\u0430\u0442\u044b.<\/li><li>\u0414\u043b\u044f \u0434\u0438\u0432\u0438\u0434\u0435\u043d\u0434\u043e\u0432: \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u043e \u0432\u044b\u043f\u043b\u0430\u0442\u0430\u0445, \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u044b\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u0432\u044b\u043f\u0438\u0441\u043a\u0438.<\/li><\/ul><p>\u0422\u0430\u043a\u0438\u0435 \u0434\u043e\u0445\u043e\u0434\u044b \u043c\u043e\u0433\u0443\u0442 \u0443\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c\u0441\u044f \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u043e; \u0438\u0445 \u043f\u0440\u0438\u0435\u043c\u043b\u0435\u043c\u043e\u0441\u0442\u044c \u0438 \u0434\u043e\u043b\u044e \u0432 \u0440\u0430\u0441\u0447\u0451\u0442\u0435 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0435\u0442 \u0431\u0430\u043d\u043a.<\/p><\/div><\/details><\/div>\n  <\/div><p class=\"arr-docs-note\">\u0414\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0441\u043e\u0431\u0438\u0440\u0430\u044e\u0442\u0441\u044f \u043f\u043e \u043a\u0430\u0436\u0434\u043e\u043c\u0443 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0443. \u0421\u0432\u0435\u0434\u0435\u043d\u0438\u044f \u043e \u0431\u0440\u0430\u043a\u0435 \u0438 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0441\u0443\u043f\u0440\u0443\u0433\u0430 \u043c\u043e\u0433\u0443\u0442 \u043f\u043e\u0442\u0440\u0435\u0431\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438. \u0422\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u044f\u0437\u044b\u043a\u0443, \u0437\u0430\u0432\u0435\u0440\u0435\u043d\u0438\u044e \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0430 \u0438 \u043f\u0435\u0440\u0438\u043e\u0434\u0443 \u0432\u044b\u043f\u0438\u0441\u043e\u043a \u0443\u0442\u043e\u0447\u043d\u044f\u0435\u043c \u0434\u043e \u043f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u043a\u0438 \u043f\u0430\u043a\u0435\u0442\u0430 \u2014 \u0431\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0437\u0430\u043f\u0440\u043e\u0441\u0438\u0442\u044c \u0434\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f.<\/p><a class=\"btn arr-docs-cta\" href=\"#arr-mortgage-contact\">\u041f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0441\u043f\u0438\u0441\u043e\u043a \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0434\u043b\u044f \u043c\u043e\u0435\u0439 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438<\/a><\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b005b62 elementor-widget elementor-widget-html\" data-id=\"b005b62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section soft\"><div class=\"wrap\"><p class=\"eyebrow\">\u0412\u041e\u041f\u0420\u041e\u0421\u042b \u0418 \u041e\u0422\u0412\u0415\u0422\u042b<\/p><h2>\u0427\u0430\u0441\u0442\u043e \u0437\u0430\u0434\u0430\u0432\u0430\u0435\u043c\u044b\u0435 \u0432\u043e\u043f\u0440\u043e\u0441\u044b<\/h2><p class=\"arr-faq-intro\">\u0415\u0441\u043b\u0438 \u0432\u044b \u043d\u0435 \u043d\u0430\u0448\u043b\u0438 \u043e\u0442\u0432\u0435\u0442 \u043d\u0430 \u0432\u0430\u0448 \u0432\u043e\u043f\u0440\u043e\u0441 \u2014 \u0441\u0432\u044f\u0436\u0438\u0442\u0435\u0441\u044c \u0441 \u043d\u0430\u043c\u0438. \u0411\u0443\u0434\u0435\u043c \u0440\u0430\u0434\u044b \u043e\u0442\u0432\u0435\u0442\u0438\u0442\u044c \u043d\u0430 \u0432\u0441\u0435 \u0432\u0430\u0448\u0438 \u0432\u043e\u043f\u0440\u043e\u0441\u044b.<\/p><div class=\"faq\">\n    <details><summary>\u041c\u043e\u0436\u043d\u043e \u043b\u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438, \u0431\u0443\u0434\u0443\u0447\u0438 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u043c?<\/summary><p>\u0414\u0430. \u0412\u0430\u0448 \u043b\u0435\u0433\u0430\u043b\u044c\u043d\u044b\u0439 \u0441\u0442\u0430\u0442\u0443\u0441 \u0432 \u0441\u0442\u0440\u0430\u043d\u0435 \u043d\u0435 \u0432\u043b\u0438\u044f\u0435\u0442 \u043d\u0430\u043f\u0440\u044f\u043c\u0443\u044e \u043d\u0430 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u0430. \u0420\u0435\u0448\u0430\u044e\u0449\u0435\u0435 \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u0431\u0430\u043d\u043a\u0430 \u0438\u043c\u0435\u044e\u0442 \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a \u043f\u0440\u043e\u0438\u0441\u0445\u043e\u0436\u0434\u0435\u043d\u0438\u044f \u0432\u0430\u0448\u0438\u0445 \u0434\u043e\u0445\u043e\u0434\u043e\u0432 \u0438 \u0438\u0445 \u0440\u0430\u0437\u043c\u0435\u0440. \u0414\u043e\u0445\u043e\u0434\u044b \u0432 \u0420\u0424, \u0420\u0411 \u0438 \u0423\u043a\u0440\u0430\u0438\u043d\u0435 \u043d\u0435 \u043f\u043e\u0434\u0445\u043e\u0434\u044f\u0442 \u0434\u043b\u044f \u0446\u0435\u043b\u0435\u0439 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0438.<\/p><\/details>\n    <details><summary>\u0423\u0441\u043b\u043e\u0432\u0438\u044f \u0434\u043b\u044f \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0443<\/summary><p>\u0414\u043b\u044f \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432 \u0431\u0430\u043d\u043a\u0438 \u043f\u0440\u0435\u0434\u044a\u044f\u0432\u043b\u044f\u044e\u0442 \u0431\u043e\u043b\u0435\u0435 \u0441\u0442\u0440\u043e\u0433\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u043f\u0435\u0440\u0432\u043e\u043c\u0443 \u0432\u0437\u043d\u043e\u0441\u0443. \u0416\u0435\u043b\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u0438\u043c\u0435\u0442\u044c \u043c\u0438\u043d\u0438\u043c\u0443\u043c 20% \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432, \u0430 \u043b\u0443\u0447\u0448\u0435 25\u201330%. \u0421\u0442\u0430\u0432\u043a\u0438 \u0434\u043b\u044f \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432 \u0432\u044b\u0448\u0435, \u043d\u043e \u043d\u0435\u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e.<\/p><\/details>\n    <details><summary>\u041a\u0430\u043a\u0438\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u043d\u0443\u0436\u043d\u044b \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0443 \u0434\u043b\u044f \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438?<\/summary><p>\u0414\u043b\u044f \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f: \u043f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u044c\u0441\u043a\u0438\u0439 \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u044b\u0439 \u043d\u043e\u043c\u0435\u0440 NIF (\u043e\u0444\u043e\u0440\u043c\u043b\u044f\u0435\u0442\u0441\u044f \u043e\u043d\u043b\u0430\u0439\u043d), \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u0430\u044f \u0434\u0435\u043a\u043b\u0430\u0440\u0430\u0446\u0438\u044f \u0437\u0430 \u043f\u0440\u043e\u0448\u043b\u044b\u0439 \u0433\u043e\u0434 (\u0441 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u043c \u043d\u0430 \u0430\u043d\u0433\u043b\u0438\u0439\u0441\u043a\u0438\u0439 \u0438\u043b\u0438 \u043f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u044c\u0441\u043a\u0438\u0439), \u0448\u0435\u0441\u0442\u044c \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0445 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0432\u044b\u043f\u0438\u0441\u043e\u043a \u0438 \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u0435 \u0434\u043e\u0445\u043e\u0434\u043e\u0432 \u0437\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u043f\u043e\u043b\u0433\u043e\u0434\u0430. \u0412 \u0434\u0430\u043b\u044c\u043d\u0435\u0439\u0448\u0435\u043c \u0431\u0430\u043d\u043a\u0438 \u043c\u043e\u0433\u0443\u0442 \u0437\u0430\u043f\u0440\u043e\u0441\u0438\u0442\u044c \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b.<\/p><\/details>\n    <details><summary>\u0421\u043a\u043e\u043b\u044c\u043a\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0437\u0430\u043d\u0438\u043c\u0430\u0435\u0442 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438?<\/summary><p>\u041e\u0431\u044b\u0447\u043d\u043e \u0432\u0435\u0441\u044c \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u043e\u0442 \u043f\u043e\u0434\u0430\u0447\u0438 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0434\u043e \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u0438\u044f \u0441\u0434\u0435\u043b\u043a\u0438 \u0437\u0430\u043d\u0438\u043c\u0430\u0435\u0442 1\u20132 \u043c\u0435\u0441\u044f\u0446\u0430.<\/p><\/details>\n    <details><summary>\u0414\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043d\u0430 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438.<\/summary><p>\u0412\u0441\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438, \u043f\u043e\u0448\u043b\u0438\u043d\u044b \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0438 \u0431\u0430\u043d\u043a \u0434\u0435\u0442\u0430\u043b\u044c\u043d\u043e \u0440\u0430\u0441\u043f\u0438\u0441\u044b\u0432\u0430\u0435\u0442 \u0432 \u0441\u0438\u043c\u0443\u043b\u044f\u0446\u0438\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u0430. \u0423\u0441\u043b\u043e\u0432\u0438\u044f \u0432\u0430\u0440\u044c\u0438\u0440\u0443\u044e\u0442\u0441\u044f \u043e\u0442 \u0431\u0430\u043d\u043a\u0430 \u043a \u0431\u0430\u043d\u043a\u0443. \u0413\u0435\u0440\u0431\u043e\u0432\u044b\u0439 \u0441\u0431\u043e\u0440 \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 0,6% \u043e\u0442 \u0441\u0443\u043c\u043c\u044b \u0437\u0430\u0451\u043c\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432. \u041f\u0440\u0438 \u0432\u044b\u0434\u0430\u0447\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 (\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u20ac1 000\u20131 500) \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043d\u0430 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 (\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440 \u2014 \u043e\u043a\u043e\u043b\u043e \u20ac150 \u0432 \u043c\u0435\u0441\u044f\u0446 \u043d\u0430 \u0434\u0432\u043e\u0438\u0445 \u0438\u043b\u0438 \u20ac100 \u0432 \u043c\u0435\u0441\u044f\u0446 \u043d\u0430 \u043e\u0434\u043d\u043e\u0433\u043e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430).<\/p><\/details>\n    <details><summary>\u041a\u0430\u043a\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 \u0432 2026?<\/summary><p>\u041f\u043e \u0434\u0430\u043d\u043d\u044b\u043c INE, \u043b\u0435\u0442\u043e\u043c 2026 \u0433\u043e\u0434\u0430 \u0441\u0440\u0435\u0434\u043d\u044f\u044f \u043f\u043e\u0434\u0440\u0430\u0437\u0443\u043c\u0435\u0432\u0430\u0435\u043c\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u043f\u043e \u043d\u0435\u0434\u0430\u0432\u043d\u043e \u0437\u0430\u043a\u043b\u044e\u0447\u0451\u043d\u043d\u044b\u043c \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430\u043c \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u043b\u0430 \u043e\u043a\u043e\u043b\u043e 2,9%. \u042d\u0442\u043e \u0440\u044b\u043d\u043e\u0447\u043d\u0430\u044f \u0441\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u043a\u0430, \u0430 \u043d\u0435 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u0438 \u043d\u0435 TAEG. \u0418\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0443\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442\u0441\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u043c \u0432 \u0441\u0438\u043c\u0443\u043b\u044f\u0446\u0438\u0438 \u0438 FINE.<\/p><\/details>\n    <details><summary>\u0414\u0430\u044e\u0442 \u043b\u0438 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0431\u0435\u0437 \u043f\u0435\u0440\u0432\u043e\u0433\u043e \u0432\u0437\u043d\u043e\u0441\u0430?<\/summary><p>\u0412 2024 \u0433\u043e\u0434\u0443 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 \u0431\u044b\u043b \u0432\u0432\u0435\u0434\u0451\u043d \u0440\u0435\u0436\u0438\u043c \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0439 \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u0438 \u043f\u043e \u0436\u0438\u043b\u0438\u0449\u043d\u044b\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c \u0434\u043b\u044f \u043c\u043e\u043b\u043e\u0434\u044b\u0445 \u043b\u044e\u0434\u0435\u0439 \u0432 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0435 \u043e\u0442 18 \u0434\u043e 35 \u043b\u0435\u0442, \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0430\u044e\u0449\u0438\u0445 \u043f\u0435\u0440\u0432\u043e\u0435 \u043f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u043e\u0435 \u0436\u0438\u043b\u044c\u0451 \u0438 \u043e\u0442\u0432\u0435\u0447\u0430\u044e\u0449\u0438\u0445 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u043d\u044b\u043c \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c. \u0413\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u043e \u043c\u043e\u0436\u0435\u0442 \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0434\u043e 15% \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u043e\u0439 \u0441\u0443\u043c\u043c\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u0447\u0442\u043e \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u0431\u0430\u043d\u043a\u0443 \u043f\u0440\u043e\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u043e\u0442 85% \u0434\u043e 100% \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u0441\u0434\u0435\u043b\u043a\u0438. \u041a \u043a\u043e\u043d\u0446\u0443 \u0438\u044e\u043d\u044f 2026 \u0433\u043e\u0434\u0430 \u0441 \u043c\u043e\u043c\u0435\u043d\u0442\u0430 \u0437\u0430\u043f\u0443\u0441\u043a\u0430 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b \u0431\u044b\u043b\u043e \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u043e 40,1 \u0442\u044b\u0441. \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432 \u043d\u0430 \u20ac8,3 \u043c\u043b\u0440\u0434.<span class=\"arr-faq-ru-only\"><br>\u0423\u0447\u0430\u0441\u0442\u0438\u0435 \u0432 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0435 \u043d\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u043e \u0433\u0440\u0430\u0436\u0434\u0430\u043d\u0441\u0442\u0432\u043e\u043c: \u043e\u0434\u043d\u0438\u043c \u0438\u0437 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u043e\u0435 \u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0441\u0442\u0432\u043e \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438.<\/span><\/p><\/details>\n    <details><summary>\u041a\u0430\u043a \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432 \u0432\u043b\u0438\u044f\u0435\u0442 \u043d\u0430 \u0441\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430?<\/summary><p>\u0412\u043e\u0437\u0440\u0430\u0441\u0442 \u0432\u043b\u0438\u044f\u0435\u0442 \u043d\u0430 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u044b\u0439 \u0441\u0440\u043e\u043a: \u0431\u0430\u043d\u043a \u0443\u0447\u0438\u0442\u044b\u0432\u0430\u0435\u0442 \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u043f\u0440\u0438 \u043f\u043e\u0434\u0430\u0447\u0435 \u0437\u0430\u044f\u0432\u043a\u0438 \u0438 \u043a \u043c\u043e\u043c\u0435\u043d\u0442\u0443 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u044f. \u0414\u043b\u044f \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u0438\u0445 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432 \u0432\u0430\u0436\u0435\u043d \u0432\u043e\u0437\u0440\u0430\u0441\u0442 \u043a\u0430\u0436\u0434\u043e\u0433\u043e \u0438 \u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0432\u044b\u0431\u0440\u0430\u043d\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430. \u0411\u043e\u043b\u0435\u0435 \u043a\u043e\u0440\u043e\u0442\u043a\u0438\u0439 \u0441\u0440\u043e\u043a \u043f\u0440\u0438 \u043f\u0440\u043e\u0447\u0438\u0445 \u0440\u0430\u0432\u043d\u044b\u0445 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0432\u0430\u0435\u0442 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0451\u0436, \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u0441\u0440\u043e\u043a \u043f\u043e\u0434\u0431\u0438\u0440\u0430\u0435\u043c \u0432\u043c\u0435\u0441\u0442\u0435 \u0441 \u0441\u0443\u043c\u043c\u043e\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u0434\u043e\u043f\u0443\u0441\u0442\u0438\u043c\u043e\u0439 \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u043e\u0439.<\/p><\/details>\n    <details><summary>\u0427\u0442\u043e \u0443\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c, \u0435\u0441\u043b\u0438 \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u044e \u043f\u0440\u043e\u0434\u0430\u0442\u044c \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c \u0438\u043b\u0438 \u043f\u043e\u0433\u0430\u0441\u0438\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442 \u0440\u0430\u043d\u044c\u0448\u0435?<\/summary><p>\u0421\u043e\u043e\u0431\u0449\u0438\u0442\u0435 \u043e\u0431 \u044d\u0442\u0438\u0445 \u043f\u043b\u0430\u043d\u0430\u0445 \u0434\u043e \u0432\u044b\u0431\u043e\u0440\u0430 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f. \u041f\u0440\u043e\u0432\u0435\u0440\u0438\u043c \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0447\u0430\u0441\u0442\u0438\u0447\u043d\u043e\u0433\u043e \u0438 \u043f\u043e\u043b\u043d\u043e\u0433\u043e \u0434\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0433\u043e \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u044f, \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u0443\u044e \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044e, \u0441\u0440\u043e\u043a\u0438 \u0443\u0432\u0435\u0434\u043e\u043c\u043b\u0435\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u0430 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043f\u0440\u0438 \u0437\u0430\u043a\u0440\u044b\u0442\u0438\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u0430. \u041f\u0440\u0438 \u0441\u043c\u0435\u0448\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u043c\u043e\u0433\u0443\u0442 \u0440\u0430\u0437\u043b\u0438\u0447\u0430\u0442\u044c\u0441\u044f \u0432 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u0438 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0438\u0439 \u043f\u0435\u0440\u0438\u043e\u0434\u044b. \u041f\u0435\u0440\u0435\u0434 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0435\u043c \u0437\u0430\u043f\u0440\u043e\u0441\u0438\u043c \u0443 \u0431\u0430\u043d\u043a\u0430 \u0440\u0430\u0441\u0447\u0451\u0442 \u043d\u0430 \u043d\u0443\u0436\u043d\u0443\u044e \u0434\u0430\u0442\u0443; \u043f\u0440\u043e\u0434\u0430\u0436\u0443 \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u0441\u043e\u0433\u043b\u0430\u0441\u0443\u0435\u043c \u0441 \u043f\u0440\u043e\u0446\u0435\u0434\u0443\u0440\u043e\u0439 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u0441\u043d\u044f\u0442\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0438.<\/p><\/details>\n    <details><summary>\u0421\u043a\u043e\u043b\u044c\u043a\u043e \u0441\u0442\u043e\u044f\u0442 \u0443\u0441\u043b\u0443\u0433\u0438 ARR \u043a\u0430\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430?<\/summary><p>\u0414\u043b\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u0430 \u0443\u0441\u043b\u0443\u0433\u0438 \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430 ARR \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b. \u0412\u043e\u0437\u043d\u0430\u0433\u0440\u0430\u0436\u0434\u0435\u043d\u0438\u0435 \u0432\u044b\u043f\u043b\u0430\u0447\u0438\u0432\u0430\u0435\u0442 \u0431\u0430\u043d\u043a-\u043f\u0430\u0440\u0442\u043d\u0451\u0440; \u044d\u0442\u043e \u043d\u0435 \u043e\u0442\u043c\u0435\u043d\u044f\u0435\u0442 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0438 \u0434\u0440\u0443\u0433\u0438\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443.<\/p><\/details>\n  <\/div><\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1bcc11 elementor-widget elementor-widget-html\" data-id=\"b1bcc11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"arr-mortgage6\"><section class=\"section arr-lead-section\" id=\"arr-mortgage-contact\"><div class=\"wrap arr-lead-grid\"><div><p class=\"eyebrow\">\u041d\u0410\u0427\u041d\u0401\u041c \u0421 \u0412\u0410\u0428\u0415\u0419 \u0421\u0418\u0422\u0423\u0410\u0426\u0418\u0418<\/p><h2>\u0425\u043e\u0442\u0438\u0442\u0435 \u043f\u043e\u0434\u0430\u0442\u044c \u0437\u0430\u044f\u0432\u043a\u0443 \u043d\u0430 \u0438\u043f\u043e\u0442\u0435\u043a\u0443?<\/h2><p class=\"lead\">\u042d\u0442\u043e \u0441\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u043d\u043e \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0438 \u043d\u0438 \u043a \u0447\u0435\u043c\u0443 \u043d\u0435 \u043e\u0431\u044f\u0437\u044b\u0432\u0430\u0435\u0442. \u041e\u0441\u0442\u0430\u0432\u044c\u0442\u0435 \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u044b \u2014 \u043e\u0431\u0441\u0443\u0434\u0438\u043c \u0432\u0430\u0448\u0443 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044e \u0438 \u043f\u043e\u0434\u0441\u043a\u0430\u0436\u0435\u043c, \u0441 \u0447\u0435\u0433\u043e \u043d\u0430\u0447\u0430\u0442\u044c.<\/p><\/div><div class=\"arr-lead-card\"><h3>\u041e\u0441\u0442\u0430\u0432\u0438\u0442\u044c \u0437\u0430\u044f\u0432\u043a\u0443<\/h3>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f42035-o3\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"42035\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/41928#wpcf7-f42035-o3\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"42035\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f42035-o3\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"\u0418\u043c\u044f\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" autocomplete=\"tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"\u0422\u0435\u043b\u0435\u0444\u043e\u043d\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-call\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"your-call\"><option value=\"\u0417\u0432\u043e\u043d\u043e\u043a\">\u0417\u0432\u043e\u043d\u043e\u043a<\/option><option value=\"WhatsApp\">WhatsApp<\/option><option value=\"Telegram\">Telegram<\/option><\/select><\/span><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"\u041f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u044e\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<p class=\"privacy\">\u041d\u0430\u0436\u0438\u043c\u0430\u044f \u043a\u043d\u043e\u043f\u043a\u0443, \u0432\u044b \u0441\u043e\u0433\u043b\u0430\u0448\u0430\u0435\u0442\u0435\u0441\u044c \u0441 <a href=\"https:\/\/arr.pt\/privacy\/\">\u043f\u043e\u043b\u0438\u0442\u0438\u043a\u043e\u0439 \u043a\u043e\u043d\u0444\u0438\u0434\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438<\/a>.<\/p><\/div><\/div><\/section><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0418\u041f\u041e\u0422\u0415\u041a\u0410 \u0412 \u041f\u041e\u0420\u0422\u0423\u0413\u0410\u041b\u0418\u0418 \u041a\u0432\u0430\u0440\u0442\u0438\u0440\u0430 \u043c\u0435\u0447\u0442\u044b \u0431\u043b\u0438\u0436\u0435 \u0447\u0435\u043c \u043a\u0430\u0436\u0435\u0442\u0441\u044f \u0421\u043e\u043f\u0440\u043e\u0432\u043e\u0436\u0434\u0430\u0435\u043c \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u0438\u0435 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\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0430\u043c\u0438\u041f\u043e \u0432\u0441\u0435\u0439 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 Segredos Pr\u00f3speros, Unipessoal Lda\u0421\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a Banco de Portugal \u2116 0009825\u041f\u0440\u043e\u0432\u0435\u0440\u0438\u0442\u044c \u0432 \u0440\u0435\u0435\u0441\u0442\u0440\u0435 \u2197 \u0421\u041d\u0410\u0427\u0410\u041b\u0410 \u2014 \u0426\u0418\u0424\u0420\u042b \u0413\u043b\u0430\u0432\u043d\u043e\u0435 \u043e\u0431 \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438 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